davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (TX)

I started a VA refinance loan. The agent XXXX XXXX XXXX XXXX told me to complete an appraisal the same day I started an application. After sending to the actuary, the agent informed me I would need to complete a conventional loan. After purchasing the appraisal, the appraisal company informed me an appraisal was not needed and if I purchased, it would be refunded at closing. I contacted the Cardinal ( from whom I purchased the appraisal ) and they informed me it would be refunded pending " project manager approval ''. The project manager is the supervisor of the agent XXXX named XXXX XXXX. 1 ) XXXX and Cardinal violated Equal Credit Opportunity Act, Reg B by failing to provide a copy of the appraisal. 2 XXXX XXXX and Cardinal also violated Truth in Lending Act, Reg Z by failing to disclose costs ahead of making changes to terms. 3 XXXX XXXX and Cardinal further violated Truth in Lending Act, Reg Z by failing to inform in a timely manner the type of loan and costs associated. 4 ) XXXX violated the Real Estate Settlement Procedures Act through the use of a kickback by allowing the borrow to prematurely purchase an appraisal, fully knowing Cardinal will not release funds without a supervisor 's approval.
Consumer complaint received 2021-01-08
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. (LA)

On XXXX I've sent disputes regarding to those unknown and inaccurate account I found on my credit report. but, It's 60 Days now I haven't received any response. I'm a victim of Equifax Data Breach. I demand to DELETE immediately those accounts or I will file a litigation.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

This is my first 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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Consumer complaint received 2023-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (WA)

I received this SMS message on XXXX at XXXX PT for a credit card collection that I have never had. The sender 's phone number is XXXX _______________________________________ This message is from Spring Oaks Capital , LLC. 

We have options available to help you pay off the debt on your account. Pay off the balance of your account with payments of {$71.00} per month for 9 months. 

To set up a payment plan, visit XXXX. Have questions? Reply to this text or call XXXX. We have agents ready to respond during normal business hours. 

This message is regarding your XXXX XXXXXXXX account originated by XXXX Bank, which is now owned by Spring Oaks Capital SPV , LLC. 

We are a debt collector. Click here for important disclosures https : XXXX. Reply STOP to opt out.
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX should not be reporting to XXXX and Experian a chargeoff in the amount of {$1100.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had XXXX  insurance at the time and the claim was paid in full. There is no outstanding balance due and therefore there is no collection/chargeoff to report. ( I have attached a copy of the check from XXXX for {$6100.00} dated XXXX along with a letter confirming the payment from XXXX XXXX dated XXXX. ) This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX as well as the bureaus to fix this however, I have not been successful.
Consumer complaint received 2023-06-22
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have 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 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681S-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

Santander should not be reporting to XXXX and XXXX a chargeoff in the amount of {$1100.00} on the SANTANDER CONSUMER USA partial account number XXXX. ( Please see page attached from my credit report. ) I had XXXX insurance at the time and the claim was paid in full. There is no outstanding balance due and therefore there is no collection/chargeoff to report. ( I have attached a copy of the check from XXXX for {$6100.00} dated XXXX along with a letter confirming the payment from XXXX XXXX dated XXXX. ) This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted Santander as well as the bureaus to fix this however, I have not been successful.
Consumer complaint received 2021-01-08
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC (OH)

National Credit Adjusters has been calling me daily at work and hangs up everytime I answer the phone. They never leave a message when I don't answer just silence and then disconnects each time I do answer. This is also a debt included in a class action lawsuit against them that is being finalized and supposed to be removed.
Consumer complaint received 2021-01-08
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)

I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 


REMOVE FRAUD ACCOUNT ASAP. THIS IS UNACCEPTABLE!
Consumer complaint received 2023-03-02
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 — Was not notified of investigation status or results
Company: W&A Intermediate Co., LLC (WA)

In XXXX, I received a notification from my credit monitoring app indicating the closure of a credit card account due to my low credit score. Upon reviewing my credit report, I discovered a substantial drop in my credit score and an unfamiliar account in collections. The collection agency involved is WAKEFIELD AND ASSOCIATES, INC, acting on behalf of XXXX XXXX XXXX XXXX. WAKEFIELD AND ASSOCIATES XXXX INC was assigned the account on XX/XX/XXXX, and the Date of First Delinquency is XX/XX/XXXX. 

Despite making several attempts to reach out to XXXX XXXXXXXX XXXX XXXX, I have not received any response. At the time of the alleged incident and currently, I possess health insurance to cover any emergency care expenses. I have no recollection of receiving a bill from XXXX XXXX XXXX XXXX, nor do I recall receiving treatment at an emergency room affiliated with them. Even if I had used their services, my insurance would have covered all relevant expenses. 

To address this issue, I sought legal advice and had a letter requesting debt verification drafted by my attorney. This letter was mailed on XX/XX/XXXX. Unfortunately, I have not received any communication from either XXXX XXXXXXXX XXXX XXXX  or WAKEFIELD AND ASSOCIATES, INC, despite more than 30 days elapsing since the letter was mailed. However, my credit reports now indicate that the debt is in dispute and meets FCRA requirements, indicating that the letter was received.
Consumer complaint received 2021-01-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

CORRECTION TO PRIOR COMPLAINT. 

On XX/XX/XXXX I mailed a 3rd dispute to Experian that had supporting documentation proving the collections that they inaccurately and illegally placed on my credit report were unverified and not valid. On XX/XX/XXXX, using tracking with this USPS, my documents and dispute were delivered to Experian. After realizing that my disputes were not being processed ( didnt get a notification from through their app, which I always do XXXX, I called on XX/XX/XXXX to verify if they received the documents. I spoke to a Representative whose name is XXXX, he stated that Experian received the documents on XX/XX/XXXX but they are not being processed. I asked why werent they being processed and he could not give me an answer. I then asked to speak with a supervisor. The next person I spoke with, assuming it was supervisor because XXXX placed me hold after I requested to speak with one, also stated that my dispute and attached documents were received on XX/XX/XXXX but were not being processed. He then stated that Experian has 3-5 business days to process disputes. I mentioned that the 5th business day would have been XX/XX/XXXX and asked why wasnt my dispute being processed. He then told me that was in their mail processing department. I asked when would my disputes be processed and he stated he has no control mail processing. Now, on XX/XX/XXXX, I called Experian again, this time speaking with a representative named XXXX about my disputes. XXXX then put my on hold to check the status of the disputes. She then arrived back to the phone and stated that Experian does not have the dispute. I then told her about my conversations yesterday with other representatives to which she stated I dont understand why they would tell you that because we have not received any documentation from you. I then asked if those representatives ( the rep and the supervisor ) were giving me the runaround then which she stated yes. XXXX then confirmed that Experian never had my 3rd dispute and that the previous representatives I spoke with LIED to me. I know my dispute was delivered because I have tracking. Also, I know Experian records all conversations so my complaint will be validated. Experian is refusing to investigate my dispute.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-05-26
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: Experian Information Solutions Inc. (TX)

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$4900.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1900.00} XXXX XXXX ( Original Creditor : APP XXXX ) XXXX Balance : {$1300.00}
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been sending multiple written requests but the accounts that are listed below are still showing on my Credit Report in violation of Federal Law. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

1. XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} 2. XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$1100.00}
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

I submitted a {$340.00} payment to XXXX, XXXXXXXX XXXX on XX/XX/2022. The merchant booked a hotel I was not expecting to stay. With days of no response, I submitted a dispute, got the credit but then I got a call from the merchant with an updated reservation. Immediately in good faith, I cancelled the dispute and authorized a rebill. The new charge {$340.00} was posted on XX/XX/2022. After a month on XX/XX/2022, my reservation was cancelled. The drama began. 

The merchant insisted that there was no rebill. My bank Chase, declined my dispute three times. They refused to credit me the {$340.00}, three months after the initial charge.
Consumer complaint received 2021-01-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

AGAIN, XXXX XXXX XXXX XXXX just labeled the following complaint as duplicate -- -- -- -- -- " How can every complaint and request sent to XXXX XXXX Auto Finance be labeled " duplicate '' when not one request or complaint has yet to be answered? I want XXXX XXXX XXXX XXXX to explain. XXXX  XXXX XXXX XXXX can call me and explain their position instead of just ignoring and playing games labeling all complaints are duplicates. I want XXXX XXXX XXXX XXXX, Transunion, and XXXX to explain why every complaint and request sent to XXXX XXXX XXXX XXXX is labeled " duplicate '' when they have yet to answer one. '' Amazing!!! XXXX XXXX XXXX XXXX is making a mockery of America Laws and government. In addition to labeling everything as " duplicate '', they have yet to send copy of the dated credit report that will prove they did not have permissible purpose to pull my credit in 2017 that led to a fraudulent auto loan.
Consumer complaint received 2021-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (MA)

I opened a TD Beyond Checking account on XX/XX/XXXX, in conjunction with the terms of the attached offer. The relevant details on the offer are as follows : CHECKING OFFER is available to new personal checking customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months and complete the required qualifying criteria. I did have a previous TD checking account in XXXX, well outside of the requirements for this offer. The previous account was closed XX/XX/XXXX. 

I met the required criteria on XX/XX/XXXX of {$2500.00} in employer or government direct deposit ( within 60 days ). Bonus should have been paid at least 140 days after account opening ( XX/XX/XXXX ). 

I confirmed I met the requirements by phone on XX/XX/XXXX with a rep named XXXX. On XX/XX/XXXX, I called again, and was told I should still be eligible, and that the promotions team will respond within 2 days. I did not received a response. On XX/XX/XXXX, I called again, and was told I was ineligible because of the previous XXXX checking account, regardless of what the terms say. I spoke with XXXX and XXXX - both very helpful. XXXX even waived 3 of my $ XXXX monthly fees.
Consumer complaint received 2021-01-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

In XX/XX/XXXX I purchased my home with a FHA mortgage from XXXX XXXX. It was a fixed rate 30 year loan. I was to be done with payments by XX/XX/XXXX. My loan has been sold at least two times since XX/XX/XXXX, once to I believe XXXX and then to Select Portfolio Services. I recently attempted to refinance my mortgage. I found out that the terms changed to something I believe the officer told me was a balloon payment that was a 46 year term. I never signed paper work to have the terms of my loan changed and I am concerned that I have been mislead in some way.
Consumer complaint received 2023-02-27
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: Experian Information Solutions Inc. (DE)

This is my 6th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance - XXXX  XXXX XXXX XXXX Balance - XXXX  XXXX XXXX  XXXX XXXX Balance {$36000.00} XXXX XXXX XXXX XXXX XXXX {$46000.00} XXXX XXXX  XXXX Balance {$46000.00} XXXX XXXX XXXX XXXX XXXX Balance {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX Inquired on XX/XX/2022 XXXX XXXX  XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/2022 2022
Consumer complaint received 2021-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TN)

I recently filed a complaint but I do believe it was not explained correctly. XXXX XXXX is claiming that I owe a debt and I have reached out to provide proof of the debt. In the initial complaint, they responded by saying they sent the first collection letter in XXXX to the last known address. I have the same XXXX XXXX XXXX address on file for the last 10 years and never received any letter that I owe a collection. I only received a copy of the contract after I just submitted a complaint. The contract shows two names and I do not know the other person on the contract. Also how can I owe a debt when I never lived in XXXX until XXXX. The address that is on the contract have never been on my credit file. If I owe XXXX lakes a debt I am sure that the address will be on file and yet it isnt. I only have had a Georgia address on file until I moved to XXXX in XXXX. I see the names but I need adequate proof that I owe a collection. I would like to see my actual social security number that ties me to the collection and not just my name cause Im not the only one with that name Also a legit signed contract and not a computerized signature my actual signature and social security number. This debt is every detrimental to my credit and again I am asking that it is removed from my credit before further action is taken.