davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Mortgage company notified of adverse information in credit report from 5 years ago in the form of unpaid debt of roughly {$100.00} in former home electricity account, contacted XXXX Texas by phone who informed they don't see a debt, per own records account was paid and closed in 2016, was able to file dispute with XXXX only, dispute with TransUnion online service did not go through after 10 attempts, XXXX online service did not allow access to online service and dispute.
Consumer complaint received 2021-11-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (FL)

A few years ago I was a victim of identity theft which led me to make a feredal report and collect all the evidence of a bank account opened in my name and tax reported to the IRS under my social. At the beginning of 2021 I received a debt from the IRS which I did not recognize and requested an investigation which was to my credit. I have many fraudulent accounts in my credit report, some have already been eliminated but there is one that continues to report negative I have had several disputes and I have communicated with the company but I have not been able to resolve the case. I have sent them the proof of identity theft and even so they have stopped reporting in collection. Since XX/XX/2021 I am trying to solve this problem without satisfactory answer.
Consumer complaint received 2019-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NIC, Inc. (TX)

My fiance 's parents received what appears to be a collection notice from an organization called Nemo 's Investigations and Collections ( NIC ) for a debt of {$90.00} plus interest, dated XXXX/2019, via USPS at their residence. The date of receipt is uncertain ; this notice was delivered sometime before XXXX/2019. 

While I do stay there with my partner and our XXXX son on occasion, I do not receive mail there nor have I counted it as a residence at any time. 

The notice contains no mention of the original creditor or any other identifying information that correlates it with any money I may actually know. Moreover, I was out of state on a work assignment during the time and, so far as I know, did not incur any debts on my trip. 

The notice does, however, contain a message from an individual named XXXX XXXX. 

Today, I received a call on my cell phone from the number listed on the notice, wherein a person identifying himself as XXXX XXXX requested a callback, without identifying himself as a debt collector or the call itself as an attempt to collect a debt, in violation of 15 USC 1692b rule 6 : ( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity.
Consumer complaint received 2021-11-15
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: EQUIFAX, INC. (ID)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply 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. Below are the lists of the erroneous inquiry reporting on my Credit Report : XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX # XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2015-07-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One Auto Finance holds the title to our XXXX Subaru Forrester which has XXXX miles and needs $ XXXX costs of engine repair. We are trying to get a new car, but CapOne claims we owe close to {$5000.00}. We do not agree and have an on-line statement showing a XXXX XXXX balance. About 15-18 months ago we contacted XXXX XXXX at CapOne who became our customer advocate to stop credit and collection calls that we were getting XXXX times a dayXXXX days a week. His number XXXX, ext XXXX ... he has stopped returning our calls since he placed a " cease and desist '' order on our account. A CapOne rep recently told us their policy was that no one could communicate, send emails or statements, or have any contact unless we lifted the order or got an attorney. We are basically hostages because every credit report shows an open balance for over 500+ days
Consumer complaint received 2019-02-01
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: EQUIFAX, INC. (FL)

Both Equifax and XXXX  are dropping my credit score for no apparent reason that can affect an auto purchase at 0 % financing if I choose to buy a new car. They need to stop.
Consumer complaint received 2021-11-15
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: EQUIFAX, INC. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. 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. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ;
Consumer complaint received 2021-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (TX)

XXXX XXXX referred my account to a collections agency. I have contacted them multiple times asking for a copy of the contract I signed saying I would repay them for a free phone that was offered to us if we changed providers. I have no record of it and XXXX has been unwilling to provide a copy of the signed contract. This is now the second collections agency involved. The first one stopped after I asked them to validate the debt. They said they were no longer involved and used that as their excuse for not responding. XXXX, as a cell phone provided is not regulated by CFPB but their collections agency is. XXXX, and now RPM, can not provide evidence of a signed contract. They only offer was bill but that does not validate a agreement or contract, only an attempt to collect on that agreement. I have spent hours of wasted time on the phone with XXXX and got hung up on five times this morning in trying to contact RPM. I was going to pay them just to make this go away because of the amount of time and energy I have wasted trying to get the to prove I signed the contract. After the countless lost hours I want this debt eliminated, not just put to a different collection agency.
Consumer complaint received 2021-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (VA)

On XX/XX/2021 my XXXX XXXX savings account was hacked. The hacker used the savings account to access my checking account. The hacker performed XXXX transfers to multiple accounts within the same bank. A total of {$9000.00} where removed from my checking account. The bank stopped a XXXX transaction of and additional {$3000.00} that the hacker was trying to remove from my account. I realized this happened on XXXX, when I placed the fraud call to the bank. I was told the bank would start an investigation and that it would take XXXX business days to resolve. on the XXXX days I called the bank and was told that there was no information on my case and that the XXXX department was very backed up and that it can some times take 15 days. On the 15 day of my claim, I called the bank again and was told that there was no updates on my account. and that they would send a message to the fraud department and that someone will call me back with XXXX hrs. No one called. I called the bank again and was told that there was a {$2000.00} credit coming to my account and that the rest of the money would soon follow. I waited a few days and called the bank again. I was told that there was no more updates on my account and that they would have someone called me back with in XXXX hours. 
It has been almost a month, and the bank has failed to return my money or give me any explanations as to what happened or how they got my {$2000.00} back. They lied and said the investigation would take XXXX business days, and then changed it to 15 days because they were behind. The bank also promised to have someone from their security/fraud department would return my call within XXXX. and no one ever called me back.
Consumer complaint received 2022-05-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MS)

We made payments to the original lender, XXXX XXXX XXXX XXXX XXXX XXXX from XXXX until it sold to XXXX XXXX XXXX XXXX XXXX and finally to Specialized Loan Servicing LLC XXXX XX/XX/XXXX. XXXX still holds XXXX Deed of trust on our house. Our first payment to Specialized Loan Servicing ( SLS ) was XX/XX/XXXX. No payments were missed. I called SLS XX/XX/XXXX to confirm payoff and maturity date as we were close to paying off. They gave me an amount of {$8600.00}. According to information I have it should have been around {$2500.00}. ( There have been some paymts deferred but not $ XXXX ). I have send them proof of payments from the bank from XX/XX/XXXX to XX/XX/XXXX. I have also emailed the prior lender who has advised me they have send all information including payment history to the new lender. SLS will not concede that all payments have been made. They tell me that I've made late payments and interest has incurred. They have told me I couldn't have paid that amount off in 15 years. None of this makes sense. I have been in conversation with a local banker and he has looked at my paperwork. It's a simple interest loan and there is no way I still owe them according to last matured loan full payment due notice showing {$7200.00}. I just want them to prove to me what they are saying and I don't believe they can because anyone would have foreclosed had we been that far behind on a loan. I have several documents to prove this point. You can even find complaints on a website : XXXX XXXX.
Consumer complaint received 2021-11-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

After i sent a dispute, debt validation letter certified mail, exercising my consumer rights under FDCPA and FCRA laws. The company failed to give notice to credit reporting agencies that the debt was disputed. I told them that they couldn't report to my consumer report without giving information that i requested to validate the debt. I sent a cease and desist letter, they responded saying they have processed my cease and desist and they still posted on my consumer report after i enforced my consumer right. The company went and stole my personal property and i filed a federal laws suit against the company. Due to the litigation i need the inaccurate information to be removed from my consumer report. XXXX XXXX  DBA OF XXXX, XXXX XXXX listed on my consumer report, must be removed due to me having full evidence of notice and never giving written permission for information to be posted to my consumer report.
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have reached out to all three credit bureaus via certified mail on several occasions in reference to my personal information being updated. Each month I check my reports I see that they updated my employer information but the not the rest of the information per my request.
Consumer complaint received 2023-02-21
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)

XXXX XXXX  is reporting multiple cards that are not mine. Multiple account numbers, with delinquent statuses. 

I have tried to dispute this with the credit reporting agencies, but there has not been any changes. I am hoping that this submission will get me the results that I am expecting. 

I am a XXXX XXXX XXXX XXXX  and I am trying to move forward in life, but theses inaccurate accounts are holding me back. I just want this remove so I no longer experience embarrassment and anguish when looking to apply for a new car/home.
Consumer complaint received 2024-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2021-11-15
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: Bread Financial Holdings, Inc. (NV)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

XXXX XXXX XXXX Balance {$0.00}
Consumer complaint received 2021-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (LA)

On or about XX/XX/2021, I closed on a refinance of my home mortgage with XXXX XXXXXXXX XXXX, XXXX. At that time, even though my home is not in a flood zone, I was required to pay {$510.00} to be deposited in escrow for payment of my flood insurance premium. Immediately after closing on the refinance, my loan was sold to Suntrust Bank. Suntrust, showed the escrow for the flood insurance and began collecting $ 43/mo for flood insurance escrow. At some point, they sent me a letter saying that flood insurance escrow wasn't required and they would no longer collect escrow, but they kept collecting it. My flood insurance was scheduled for renewal on XX/XX/XXXX. At least 2 - 3 weeks prior to this date, I began calling Suntrust to inquire about my flood insurance payment, since they were still holding the escrow. I was on the phone for hours trying to resolve this. First I was told that they would submit the payment. I checked back the week before the payment was due and they still had my money and hadn't paid the premium. One of the many people I spoke to said that they didn't have the invoice, so they couldn't pay it. I offered to send the invoice. One each call, and there were several different people I spoke to, I requested that they send me my money back so I could pay the premium myself. On one call, the person I spoke to said that if they couldn't pay it, they would expedite the payment to me so I could pay it. When I called back, another woman insisted that I wait until XXXX to get my money back. 
In my opinion, this is an unfair business practice. They put me in the position of either having my flood insurance lapse or taking funds from my savings to pay for something that I had already paid once. I live in XXXX XXXX and although I do not live in a flood zone, I always maintain my flood insurance policy. I paid the policy from other funds. 
To date, I still have not received payment from Suntrust ( aka Truist ). Meanwhile, they have access to my money and get to earn interest while I will have to pay interest on the credit card I had to use to pay this premium. I feel like I should be made whole by having them not only return my money, but also pay me interest at a rate of 21 %. Isn't that what they get to charge us for borrowing money? Fair is fair, after all.
Consumer complaint received 2024-04-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NJ)

I lost my Wells Fargo debit card and I some one use it and do transactions of total {$9500.00} and i did file claim with the bank and they are saying I did authorize XXXX out of XXXX transactions whichs I didnt and I called the merchant also they didnt give me any information they were trying to collect information from me like my driver license and pictures I dont even have account with them the merchant name XXXX XXXX Also I had another fraud transaction on XXXX of my credit card I guess some one hacked my phone I had my card stored on XXXX XXXX
Consumer complaint received 2021-11-15
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: Credit Karma (MO)

Credit Karma obtained my CREDIT BUREAU consumer report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX without my permission, or without a permissible purpose by law, they are in violation of the fair credit act FCRA codified at 15 U.S.C sub section : 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with Credit Karma, Furthermore, I do not have an account as defined under 15 U.S.C 1693 ( a ) ( 2 ) with Credit Karma for review or collection.

Pursuant to 15 U.S.C sub section : 1681n ( a ) Any person knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be find under title 18, Imprisonment for not more than 2 years, or both. 

BY WILLFULLY VIOLATING THE FCRA, I am willing to settle the civil liability damages that I have suffered as a result of Credit Karmas violation, for {$4000.00} ( reported 4x- x {$1000.00} ) Pursuant to FCRA, sub section : 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C sub section : 1681n ]. Should they fail to refuse to settle the matter by tendering payment in the amount of {$4000.00} within ten calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00} per violation.
Consumer complaint received 2021-11-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2017-01-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX SUPERIOR COURT DOES NOT HELP RESOLVING THIS ISSUE. I 'VE TRIED SEVERAL TIMES IN THE PAST YEAR AND A JUDGEMENT REMAINS ON MY CREDIT REPORT ERRONEOUSLY. XXXX IS THE NAME OF INDIVIDUAL THAT PLACED THIS ON MY REPORT. PLEASE REMOVE THIS FROM MY CREDIT REPORT. THANK YOU The piece of information that is wrong that is showing is the name XXXX.
Consumer complaint received 2021-11-15
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.