davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Dear XXXX XXXX XXXX XXXX XXXX recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information The name and address of the original creditor and the current creditor.

1. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

2. Full complete and correct social security number to help identify me as the correct person you are trying to collect from 3. Documentation o
f all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the se
cured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anythin
g to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported t
his debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute
that I owe this debt to you. Should you transfer this debt to another collector, please in
form them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Consumer complaint received 2020-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CO)

SPS owns our loan. Since they purchased the adjustable mortgage loan they have decided to not a lot the money Ive noted for principal. This has happened in XXXX and XXXX. In XXXX, I sent a separate check notated for principal only for XXXX and a check for XXXX $ for the normal monthly payment. They yet again decided to split the XXXX check into 2 allotments. They notated XXXX of that for the next 2 payments instead of having it go towards principal. I called them and again asked for this to be reversed. When they owned this same loan a few years ago we went through the same issues. I have worked with a lot of loan companies and this is the only one that can not seam to put the principal payments towards principal.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX  ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can & # XXXX ; t be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc. (MO)

Subject : Disputing Information in Credit Report DUE TO : ( 1 ) NO PURCHASES FROM AND ( 2 ) COMPANY OPENING AN ACCOUNT WITHOUT MY KNOWLEDGE. COMPANY NAME IS GINNYS. 

I am writing to dispute the information that is currently affecting my credit history. 

We have been scammed by a company whose name is Ginny 's. They are in XXXX WI XXXX. We have never heard of this company until this issue started. 

We started getting some mail from this company. We thought it was junk mail and threw it away. When I opened one of the mailings recently, it looked like a bill for a purchase they thought I made. The letter looked official and had an account number assigned to me.

Today when I was paying bills, I noticed my credit history had gone down. The company 's name that appeared on the list was Ginny 's and it says I have not paid. I saved some of the recent mailings. I am requesting that Ginnys wrongful credit report be removed AND that my previous credit rating be resumed.
Consumer complaint received 2020-04-02
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. (AR)

I decided to get my credit pulled due to a couple bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00} XXXX XXXX XXXX {$480.00} XXXX  XXXX  XXXX {$510.00} XXXX XXXX XXXX XXXX {$140.00} XXXX   XXXX XXXX {$190.00} XXXX  XXXX {$390.00} XXXX  XXXX {$120.00} XXXX  XXXX XXXX  XXXX {$15000.00} XXXX XXXX {$220.00} XXXX XXXX XXXX/ XXXX {$12000.00}
Consumer complaint received 2020-04-02
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2022-08-17
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: Experian Information Solutions Inc. (NY)

I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2020-03-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I am writing to request your help on my case. PORTFOLIO RECOV ASSOC is reporting false and erroneous information to the credit bureaus. This is affecting me in a huge way. I sent them my dispute notice on XX/XX/XXXX and they did not even mark the account as disputed or run the popper investigation. The accounts I am writing about are the following : This company has been committing multiple violations to the Fair credit reporting act. I am demanding a deletion letter from them. 

1. ) Account PORTFOLIO RECOV ASSOC # XXXXDate Opened XX/XX/XXXX-Original Creditor XXXX XXXX XXXX XXXX XXXX.-Original Balance {$690.00} 2. ) Account PORTFOLIO RECOV ASSOC # XXXXDate Opened XX/XX/XXXX Original Creditor XXXX XXXX XXXX XXXXOriginal Balance {$1300.00} 3. ) Account PORTFOLIO RECOV ASSOC #  XXXXDate Opened XX/XX/XXXX-Original Creditor XXXX XXXX XXXX  -Original Balance {$1500.00}.
Consumer complaint received 2020-04-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Despite numerous attempts to comply with Bank of America and not have our tenant 's security deposit escheated to the State of NJ, the account was escheated to the State of NJ and now we can't find it anywhere.
Consumer complaint received 2020-01-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (OH)

This is not my debt, it belongs to my husband of whom Im separated from. I have told this company a million times to stop calling me all day and allnight while Im at work. I do not know where he is located and they need to call him not me.
Consumer complaint received 2020-04-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

On XX/XX/20 I received a letter from XXXX XXXX  would remove the public record from my file. They provided me with a letter I forward that letter to the Experian and XXXX  which continue to state that the bankruptcy is verified and refuse to remove it
Consumer complaint received 2024-01-24
Product: Credit card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: HUNTINGTON NATIONAL BANK, THE (NY)

I have a credit card with Huntington Bank. I have submitted a request on 2 separate occasions for a credit limit increase ( XXXX & XXXX ). On both occasions, the request was declined due to " No credit score available. '' After the first event, I did not contact the company. After the second event, I contacted Huntington and was informed my information is accurate and being sent to the credit bureau ( s ) accurately. Huntington indicated that there is no hard pull for initial credit limit increases ; however, the soft pull was resulting in " no score. '' Huntington informed me to contact credit bureaus to determine if there is a freeze on my score.

I investigated each of the 3 bureaus and there is no freeze on my score. Also of note, Huntington appears to be the only organization who is not able to retrieve my score so I strongly believe the error is on their end.

This situation is impactful to me in 2 ways : I can not obtain a credit limit increase if I indeed qualify because there is no score obtained. Secondly, my credit card account may be negatively impacted by Regulation Z 1026.59 Reevaluation of rate increases of Huntington is not able to obtain a score.
Consumer complaint received 2020-04-02
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. (AR)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts immediately please. 

XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} DEPTEDXXXX  XXXX {$0.00} XXXX XXXX XXXX {$380.00} DEPTEDXXXX XXXX {$0.00} DEPTEDXXXX  XXXX {$0.00} DEPTEDXXXX XXXX {$0.00} DEPTEDXXXX  XXXX {$0.00} BANKRUPTCY CHAPTER XXXXFILED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}
Consumer complaint received 2020-04-02
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. (AR)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts immediately please. 

XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} DEPTEDXXXX XXXX {$0.00} XXXX XXXX XXXX {$380.00} DEPTEDXXXX XXXX {$0.00} DEPTEDXXXX XXXX {$0.00} DEPTEDXXXX XXXX {$0.00} DEPTEDXXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXXFILED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}
Consumer complaint received 2020-03-24
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. (FL)

I HAVE COME ACROSS SOME NEGATIVE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. I DO NOT KNOW OF ANYONE WHO WOULD HAVE BEEN ABLE TO DO THIS TO MY CREDIT. I AM A VICTIM OF IDENTITY THEFT AND I AM ASKING THAT AN INVESTIGATION TAKES PLACES SO THAT THIS MATTER CAN BE RESOLVED. PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2022-12-28
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Ive been dealing with this issue since the beginning of this year. Capital One continues to state this account is mine when in fact my social security was stolen to create this account. Ive already spoken to representatives and know it was created online. On XX/XX/XXXX I received a letter stating why they believe the account is mine. The first reason was because of the address, Ive already stated to Capital One that my mother took my social and made the account without my knowledge hence why I would be listed at the same place. They also list my phone number and thats extremely fraudulent because I told XXXX of the representatives to contact me when new information about the case arises and I specifically told her NOT to put my number on this account because its not mine. They placed my number on the file without my consent ( this can be found in many recordings stating this especially during XXXX summer ). The last bit of evidence they stated clearly shows what Ive been stating since the beginning that the account isnt mine. Capital One states that on XX/XX/XXXX I had called to get a new card. If the investigators at Capital one did what they were supposed to theyll realize the number is a completely different number and its my mothers number. If they listened to that recording Im sure they can compare it to every phone call Ive made to them about this being fraudulent and realizing its XXXX separate people. I also have evidence to show I was not even in XXXX in XXXX because I moved to XXXX for a short time for school and family ( aunt and uncle who can also be a witness to this ) but moved back due to the pandemic in XXXX. I have paychecks that can confirm I was not at the address at this time again due to abuse at home. Please remove this fraudulent account from my credit report or XXXX have to further this to a judge who will listen. This is tiresome, I just want this issue fixed.
Consumer complaint received 2020-03-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (VA)

There is a collection on my consumer credit reports for {$140.00}, reported on XX/XX/XXXX. The debt is reported by the Collection Agency, Caine & Weiner, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. 

I have contacted them by mail on 3 occasions requesting information pertaining to this debt they are reporting on my consumer credit reports with XXXX, XXXX  and XXXX, that is not my debt. To this date they have not provided any detailed information, and to date have not removed this debt from my consumer reports. 

They are currently violating my rights under the Fair Debt Collection Practices Act and harming my credit rating. Furthermore, they are not responding to my repeated request to provide detailed information regarding the debt noted above. 

I have sent by First Class Mail three letters dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. To this date there has been no response regarding my repeated request.
Consumer complaint received 2022-12-28
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: EQUIFAX, INC. (NY)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-04-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (FL)

I purchased a XXXX  XXXX XXXX XXXX, through XXXX, the loan servicer is Bridgecrest out of XXXX Arizona. 
Basically, they are takign my money and principal reduction payments and applying them toward interest. I have called many times and written in, still they are not applying my principal reduction payments toward principal. 
so, every month i pay XXXX for the car and XXXX toward principal reduction, so i pay {$600.00} total. they keep only processing it as a regular payment. 
Additionally, to PROVE this, i wrote a check with " To be applied to principal reduction ONLY '' on the check, along with a letter explaining the issue and that it should XXXX applied TO PRINCIPAL ONLY ( letter below ) They took this, and also applied it toward interest! 
This company is SCAMMING people on a large scale!! 
I HAVE PAID {$1600.00} this month on a XXXX car payment, and they have me PAST DUE FOR {$29.00}!! 
**I have the check to prove it, the letter i wrote, AND a recorded phone call with bridgecrest showing their tactics ( the go silent on the phone when you call in after making you hold for 30 minutes, then they wont speak, and wait for you to hang up!! ) its deplorable! 
PLEASE stop this company from scamming good people trying to pay off their car! 



MY LETTER THAT WAS ENCLOSED WITH MY CHECK TO BRIDGECREST IS ATTACHED.
Consumer complaint received 2024-01-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

USAa responded to my complaint I had legitimate fraud on my account. They're claiming that they can't cover it because the person who tried to call me had my login information and they're accusing me of transferring money to them even though they saw themselves that the person had access to my account This company needs to cover this is fraud because that's what it is
Consumer complaint received 2022-12-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I was scammed via work email through a XXXX  for an XXXX  XXXX XXXX. I was sent a check to purchase necessary software and instructed to use XXXX to pay the rep. For the software. XXXX check amount XXXXThrough XXXX XXXX XXXX XXXX XXXX XXXX Someone hacked a students email account- so it was a viable account, and no one thought otherwise. Three other students fell for the scam.- I notified our IT and a scam caution email went out XXXX. 
I notified Huntington bank manager and placed a hold on the account XXXX. 
After several strange texts from person- I realized it was a scam and notified Huntington that day. I also went and filed a report with XXXX XXXX XXXX XXXX as instructed. # XXXX. Filed XXXX Im now being told I owe Huntington Bank the amount of XXXX back, that Regulation E does not have anything to do with this fraud draw. I also received a statement from the bank dated- XXXX stating that XXXX would not be available until XXXX? Per our funds availability policy, the reason for the delay is : we need more time to review your deposit to make sure funds will be received from the paying bank. Ref # XXXX XXXX, consumer operations . 
I Spoke to XXXX from Huntington XXXX, that states there was no hold placed on the full amount., and the bank will not pay for the fraud charge, we will. If we dont they will send us to collections.
Consumer complaint received 2020-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (WA)

Citi Cards, XXXX, XXXX. Stopped my bank autopay. I became past due. 90 days with past due of {$140.00}. XX/XX/XXXX I could not access my acct online due to volume virus. Paid {$300.00} by bank bill pay. XX/XX/XXXX received closed acct dated XX/XX/XXXX. I changed password and paid {$2100.00} balance. Filed a feed back form. No response. Phone for 2+ hold then next day 2+hours hold. Today now on hold 1+hr.+. Can get no response. They have my phone, email, banking onfo and filed a negative credit report of 90 days. I have no, none derog/bad credit on my report. I paid as soon as I knew they had stopped my autopay. I have another card XXXX that is auto pay. I paid that acct in full.I would just like the derog credit removed from my file. I am still holding, will all day. Thanks