davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have been disputing the late payments showing on my account for Capital One Bank USA which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Radius Global Solutions LLC (SC)

In accordance with the Fair Credit Reporting Act, Radius Global Solutions, LLC partial account # XXXX or Partial acct # XXXX has violated my consumer rights. I did not give Radius Global Solutions, LLC written permission or instructions to furnish this negative account on my consumer report. 

15 US Code 1681 section 602 A. States that I have the right to privacy.

15 US Code 1681 section 604 A section 2 Also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-01-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lending Club Corp (FL)

This company received proper documentation that they have been submitting request for payment on a fraudulent account. Instead of ceasing and deceasing, they have engaged in very aggressive and harassing collection tactics. They even sold their fraudulent account to a collection company that ended up filing a bogus lawsuit, seeking a quick judgment trough cheating.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Financial Management Solutions, LLC (MD)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX Name of Creditor collection agency : FMS Financial Solution XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX RE : Acct # XXXX To Whom It MAY Concern : On XX/XX/XXXX, I wrote to you requesting validation and an investigation into items that I believed were inaccurate. To date, I have not received any such validation. In my previous request directly to you, I listed my reasons for disputing the information and requested validation. 
Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 
Please note that on XX/XX/XXXX the CFPB released its Fair Debt Collection Practices Act Annual Report and it stated the following : The Bureau notes that one or more debt collectors continued collection activity despite not properly obtaining and mailing debt verification after a consumer exercised his or her 1692g rights. Specifically the Bureau calls out the practice where debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to the consumers. 
Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT ( meaning the collection agency ) obtains verification of the debt and mails it to the consumer. Examinations found that one or more debt collectors routinely failed to mail debt verifications before engaging in further collections activities. 
Instead, one or more debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to consumers and the debt collectors then continued collection activities on accounts in violation of section 809 ( b ) of the FDCPA. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-08-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

Haven't received updated term sheet from Amerisave Mortgage Corporation since XX/XX/XXXX. Lender has had all my documents to close the loan since XX/XX/XXXX and made me pay {$500.00} for an appraisal. They did not rate lock the loan yet and I have requested information on when we should rate lock for the lowest interest rate and in fact asked them to rate lock on XX/XX/XXXX BUT they never did nor sent me confirmation of anything. They have ignored my calls and not called me back since XX/XX/XXXX and every email i write to them seems to get ignored or given a fraudulent reply about them going to send the updated term sheets. The company is MIA it seems and has all of my confidential information with them which makes me very worried.
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (CA)

This lease company is a fraud. The company listed on my credit report is not the company that we did business with. The company leased out a vehicle they new had damage to the parts, they refused to fix it than they received the vehicle back and they are lying and saying they did not receive the vehicle when infact they did. The company that is not listed received over {$8000.00} for a six month lease on a vehicle they received back and that was not in the contract. Now it on my credit report looking like I did the fraud when I did nothing wrong, this the fraudulent dealings of this leasing company that is not even listed on my credit report, the company listed on my credit report is not the company I had contracted with. This entire car/auto loan is not a loan it is a lease and everything listed on my credit report regarding this account is wrong, it is fraud.
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX and I have no acknowledge as to why or how these student loans are on my report let allow reporting as collections.I am reaching out again seeking the deletion of these items from my report i am a victim of identity theft and I did not make these accounts. i ask that these accounts be removed and my privacy to stop being violated. as a human I know things happen but i am here to inform you that my privacy is my right and I have been taken advantage of. As a human being I am protected under 15 USC 1681 ( a ) you are in violation of my right to privacy. the following is infringed upon my rights and misleading by all reporting different dates and lenders.

XXXX  Account Name : US DEPT ED Account Number : XXXX Account was opened:XXXX Account Balance:XXXX Account Name : US DEPT ED Account Number :  XXXX Account was opened:XXXX Account Balance:XXXX Account Name : US DEPT ED Account Number : XXXX Account was opened:XXXX Account Balance:XXXX equifax Account Name : U S DEPT OF ED/XXXX Account Number : XXXX Account was opened : XX/XX/2016 Account Balance : {$18000.00} Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/2016 Account Balance : {$27000.00} Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/2016 Account Balance : {$23000.00} transunion Account Name : U S DEPT OF ED/XXXX Account Number : XXXX Account was opened : XX/XX/2016 Account Balance : {$18000.00} Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/2016 Account Balance : {$27000.00} Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/2016 Account Balance : {$23000.00}
Consumer complaint received 2020-01-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC. (VA)

Suntrust closed my account with XXXX XXXX still in it, since XX/XX/XXXX. I was never told why they were holding XXXX XXXX dollars of my funds but was told I had nothing to worry about I would get it back, then they sent me a notice like I closed the account myself. They gave me a case manager and told me not to come to the local bank again. Its now XX/XX/XXXX and still nothing while I run completely out.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

This what happened i went to a car dealership tying to applied for a car at XXXX, and XXXX say they was going to pull my credit report. When they did they found a phew hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Debt Counselors, LLC (AZ)

I'm a XXXX year old, retired, widow living on social security. In XX/XX/XXXX UDC, LLC sent me a " pink '' misleading threatening letter. Within said letter were references to UDC XXXX  and United Debt Counselors. The letter referred to a credit card debt of {$37000.00}, with an estimated settlement amount of {$16000.00}, current credit card payments of {$1100.00} and new proposed program payment of {$560.00}. Stated I should contact their offices within 10 days of receipt of the letter regarding adjusts of my credit accounts and " failure to make your minimum monthly payments will likely result in interest accruing on your unsecured credit balances at an unreasonable rate. ( In addition, penalties may accrue in the event of unpaid obligations. '' The problem being I've never had credit cards with the financial institutions claimed. 

In XX/XX/XXXX, the Federal Trade Commission entered into a Stipulated Order for Permanent Injunction with United Debt Counselors wherein United Debt was ordered to pay {$9.00} XXXX. In that complaint United Debt misrepresented that consumers had credit card debt and charged advance fees for debt relief. Why is this company still in business?? 

I contacted the company and was told they were not " attempting to collect a debt, '' but were a debt relief company who were offering their services " to alleviate credit card debt. '' Which is a whole lot different that what their " pink '' letter purports. One would read the wording of the letter and assume that if we did not call them within 10 days I wold be subject to interest accruing at a unreasonable rate. 

The Federal Trade Commission or Consumer Financial Protection Agency should prevent companies like United Debt Counselors from pressuring consumers through the use of this type of intimidating, misleading letters which are only meant to coerce consumers to fall into their trap and scam.
Consumer complaint received 2023-09-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (MA)

I have called Marcus twice on XX/XX/23 between XXXX XXXX XXXX, the second representative XXXX XXXXXXXX XXXX told me that my social security number was wrong and was likely the reason for locking of my account, she forwarded me to her manager who told me that she does not have the reason and Marcus reserves the right to close or lock an account anytime. She told me that account was locked on XX/XX/23 ( no email or phone notifications ) and I will get my account reverted back to my XXXX  XXXX XXXX.. She told me that it will take 5-7 business days. She told me that I can never open an account with Marcus again and there was no paperwork I can provide to clarify whatever confusion led to closure or f my account. These are my life savings and I am concerned that I wont ever get them back, my second concern is whether it was because of my name that this account was flagged and blocked and my third concern is why was I not notified, if I wasnt looking I would not have found out about it. As a small customer I hope you can stand up for me and look into this bias where clearly the bank customers dont have any rights. Please HELP
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I submitted via certified mail a police report, identity theft affidavit, proof of ID and proof of address to all 3 bureaus informing them of fraudulent inaccurate information reporting on my consumer report, they did not refrain from reporting or block the information within 4 days of receiving notice. It has no been over 60 days. I would like all negative fraudulent accounts reporting removed from my report indefinitely.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 


15 U.S. C 1681 section 602 A. States I have the right to privacy.

15 U.S. C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Phone XXXX XXXX XXXX  XXXX Date Opened XX/XX/2020 Loan Type XXXX XXXX ACCOUNT Original Creditor XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  Past Due {$520.00} Pay Status >Collection in accordance with the Fair Credit Reporting ACT XXXX ACCOUNT XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (NY)

I have tried repeatedly to get ahold of Edfinancial to pay my student loans which are due soon. I know they have recently changed platforms, but I have made an account on the new platform and its saying there are no loans on record for me and if this is an error to reach out to customer service. Their customer service phone number and chat, no matter what the time of day, never works. Endless loop. I've emailed, and I can't reach out. I'm not getting any information in the mail.
Consumer complaint received 2021-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (SC)

On XXXX XXXX, XXXX, Wells Fargo Bank took online {$680.00} for an appraisal fee from my credit card, then cancelled my XXXX-approved loan based on information unknown to me. 

The XXXX Refund department, which I called, checked my docs and said, " Yes, you are entitled to a full refund- the file says the Appraisal was not done and the loan was cancelled. '' That was supposedly a " recorded '' conversation. 

The friendly loan officer who had approved my loan in early XXXX, now snide and condescending, has said I wouldn't get a full refund- they had expenses to take out. I was set to close until FHA notified me I would have to get into Student Loan Rehab with XXXX. XXXX to not be in Student Loan default after XXXX CARES ended.

Further, new Student Loan Rules as of XXXX XXXX make it for the first time in my life feasible for me to pay back my loan AND have a very humble house, based on my income/debt. My only debt is in fact Student Loans. 

I signed with XXXX XXXXXXXX, gave my credit card as commitment to make payments, and they gave me a letter to satisfy the loan glitch which I sent to my Wells Fargo loan agent. 

The loan agent promised me a call back everyday for two weeks. He not only did not call back, but then went on vacation so no one else could help me. The day before the NEW RULES were effective, I received a letter saying my loan was cancelled for repossession of property, foreclosure. This is contrary to FHA requirements. 

I was never asked to disclose any such thing, but in XXXX, in another state, I was a kid with a private 13.5 % private mortgage and a private second mortgage, trying to have a middle class house. The whole deal lasted two years, and all judgments were immediately satisfied and recorded in the county. Otherwise, I have only spent two years in court beating off slumlords- who LOST their case and paid me {$6000.00} for illegal eviction.

Elsewise, it is I who have not been paid judgments owed to me, and I want Wells Fargo and FHA to produce their DARK information which is being used as a cheap ruse to whittle away a senior citizen 's father 's life insurance mortgage purchase money he left for her security.

Wells Fargo ignored the NEW STUDENT LOAN RULES, strung me along till the day before they went into effect, took the Appraisal Money, did no Appraisal and rejected the loan. FHA left me contact information numbers which did not exist. 

This demonstrates, even for the poorest mice, how we got this way. Wells Fargo dictates to the Government, as did their founders. THEY tell FHA what to do and should be investigated for manipulating their FHA loan servicing privileges. Predatory banks are not supposed to be allowed to work with special needs mortgage assistance programs.
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

Earlier this year, I filed a request for documentation pursuant to Section 609 of the FCRA with Experian, which was delivered to Experian on XX/XX/2021. Experian failed to respond. I also sent a demand letter to Experian, which was received by Experian on XX/XX/2021. Experian has so far failed to respond to all of my inquiries. Their initial failure to respond carries a {$1000.00} civil penalty per undeleted item. At this point, considering the elapsed timeframe of >30 days, Experian is now legally obligated to remove the disputed items off of my credit report. Therefore, I am requesting that they make the corrections requested on my last letter ( copy enclosed ).

Due to prior difficulty when working with Experian via the CFPB portal, I am enclosing a copy of my PA Driver 's License as well.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX Balance : {$2000.00} XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX  XX/XX/XXXX