davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-12
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. (MO)

My identity has been compromised and reported. The aftermath of this has left me with unknown and unauthorized accounts reporting to my credit file. I've previously requested a Method of Verification and physical documentation for these accounts but never received anything. Again I'm demanding that these unauthorized accounts be removed and blocked from my credit file. 

1 ) XXXX {$1100.00} 2 ) XXXX XXXX XXXX XXXX {$420.00} 3 ) XXXX XXXX  XXXX {$240.00} 4 ) US Dept of Education {$4300.00} 5 ) US Dept of Education {$7500.00} 6 ) US Dept of Education {$0.00} 7 ) US Dept of Education {$0.00} 8 ) XXXX XXXX   XXXX XXXX {$21000.00} 9 ) XXXX Formerly XXXX
Consumer complaint received 2020-04-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (TX)

Governor XXXX has declared a state of disaster in all 254 counties in the State of Texas in response to the imminent threat of the COVID-19 pandemic. This order is issued pursuant to Section 22.0035 ( b ) of the Texas Government Code.

2. This Order supplements and does not replace or amend the earlier Emergency Orders Regarding the COVID-19 State of Disaster.

3. In any action to collect consumer debt as defined by Texas Finance Code Section 392.001 ( 2 ) : a. A writ of garnishment under Rule 658 of the Texas Rules of Civil Procedure may issue, but service of the writ of garnishment may not occur until after  XX/XX/2020 ; b. Receivers appointed under Chapter 31 of the Texas Civil Practice & Remedies Code may remain active but must not freeze any accounts at financial institutions as defined by Texas Finance Code Section 59.001 ( 5 ) while this Order remains in effect ; c. For any accounts that are currently garnished, the parties are strongly encouraged to reach an agreement on the garnishment, and courts are encouraged to aid and facilitate a quick adjudication ; d. A request for default judgment may be filed, but no hearings shall be set and the time to respond or file an answer will be tolled until XX/XX/2020; and e. No court shall dismiss a case for want of prosecution while this Order remains in effect.

4. A case covered by Paragraph 3 may nevertheless proceed if, but only if, the court determines that the facts and grounds show that the actions of the judgment defendant pose an imminent threat of fraudulently concealing or absconding with funds. 
5. This Order is effective immediately and expires XX/XX/2020except for paragraph 3 ( a ), which expires on XX/XX/2020unless extended by the Chief Justice of the Supreme Court.

Westlake Financial services are ignoring the recent declaration of emergency for the the state of Texas. I have been laid off from my XXXX XXXX at XXXX XXXX XXXX and now I am now unable to sustain my obligations at this time to pay dues. They fail to hear my cry for help and have not only threaten me and garnishing my car but also submitted a remark on my credit report. I am a mother of XXXX  and unfortunately forced to be the Sole proprietor for my XXXX  children due to fathers death I can barley put food on the table during these times. With the unemployment service being occupied due to many others loosing their jobs I am not able to obtain financial help at this time. I have yet to receive my tax return and the irs is closed for live phone call request. Now Im overly stressed because of this situation on top of what I have been facing these past days. I have not been able to sleep and focus on helping my children in complying with their education needs due to them transitioning into vertical classroom due to the Covid-19. This is truly heart breaking and it literally leaves me in an unhealthy state of mind. All I ask is for a little help but it hopeless
Consumer complaint received 2020-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Vehicle Solutions Corp (NV)

I took out a car loan back in XX/XX/XXXX. I called the loan place towards the ending of XX/XX/XXXX letting them know I would no longer able to make payments due to me losing my job an they needed to come pick up the car. I moved away in XX/XX/XXXX to XXXX XXXX NV. They took a whole six months to come pick up the car because I had to call them back again in XXXX of XXXX to asked them why havent picked up the car yet so like a week later they came an got it. While me living in XXXX XXXX for the year of XXXX they had my account active and open charging me late payments for the whole year of XXXX as if I still had the car in my possession. I disputed it with XXXX credit union an they closed the account but still charging me those late payments with The same amount loan but the car has been resold for less the amount they are charging me. Also I wrote them a letter stating the same issues asking why are they still charging me an I give them 30days to respond if not this was my official request to have the loan deleted off my credit report. I sent the letter off as certified mail an it was delivered to them XX/XX/XXXX way before the whole Covid 19 took place. Also it has passed the 30 days since they received it an have not responded to my letter
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2020-06-12
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items 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. 
XXXX {$1800.00} XXXX {$20000.00} XXXX {$11000.00} XXXX {$17000.00} XXXX {$3900.00}
Consumer complaint received 2021-08-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OH)

paypal close my account for not reason after i received my XXXX dollar. 
they told me that they will made my money avalible for XX/XX/XXXX but, i call them and they dont want release my money. 
i want my money back now, i waited to much. 


my email is XXXX XXXX
Consumer complaint received 2020-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

Because of the coronavirus crisis I can't work and asked Mr.Cooper to postpone my mortgage payments for 6 months. I thought that the {$2.00} trillions stimulus package will allow me and any other homeowner hurt by the health crisis to postpone payment. But Mr. Cooper has different opinion. Thanks for such a heip. Nobody needs that. ( See documents attached )
Consumer complaint received 2020-04-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Crown Asset Management, LLC, Duluth, GA Branch (MI)

I am being sued by XXXX XXXX XXXX. 
I have called them many times since XX/XX/2020 to reach a payment agreement. They are suing for an amount that I don't remember owing. I am trying to come to an agreement for a smaller amount, but they refuse each time and say that they will see me in court to get paid. 
They also violated The Fair Debt Collection Act MCL 600.2145 They never notified me about the debt, not even once per mail or phone call. 
They just serve me the summons for a law suit against me and also fail to show proof of such a debt.
Consumer complaint received 2023-07-13
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. (AZ)

I am submitting this complaint today to inform you that I have been a victim of identity theft. I conducted research on how to remove fraudulent accounts and information from my credit report, and I discovered that I need to visit the Federal Trade Commission ( FTC ) or https : //www.ftc.gov to file a report. According to Section 605b of the Fair Credit Reporting Act ( FCRA ), Credit Reporting Agencies are obligated to remove and block any items listed on an identity theft report. Please find the attached documents that will assist in blocking the erroneous information that is being posted on my report. Here is a list of items that do not belong to me or were opened without my permission XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX. According to Section 605B ( a ) of the FCRA, Credit Reporting Agencies are required to block any information in the file of a consumer that the consumer identifies as resulting from alleged identity theft within four business days of receiving the information.
Consumer complaint received 2020-04-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

On XX/XX/XXXX Opened Kohl 's card at store to receive advertised discount on purchase. Paid in full by due date on XX/XX/XXXX ( Sunday ). They posted the payment on XX/XX/XXXX Kohl 's charged late fee without notification. On XX/XX/XXXX I received a recorded message on my cell phone " Call Kohl 's at XXXX ''. I called right then and spoke to a representative that claimed I made a late payment and a late fee was due. He looked at my account and determined I paid my payment on XX/XX/XXXX ( Sunday ) an hour after their " due time '' therefore they applied it to the day after. I was NOT made aware of a due time, only due date when I opened this card. I looked through the bill and it does not stipulate a time of day the payment is due on the due date. Per the Credit Card Accountability Responsibility And Disclosure Act of 2009, Sec.202 Requirements Relating to Late Payment Deadlines & Penalties Section 127 ( b ) 12 ( A ) Kohl 's does not adhere to the Late Payment Deadline Required To Be Disclosed section on their account statements. 

The representative reversed the late fees/interest on XXXX, XXXX A few weeks later I went to refinance my home and my mortgage representative said Kohl 's reported me 30 days late in XX/XX/XXXX due to the late fees they added to my account. I tried numerous times to speak to a Kohl 's representative to have this error fixed, they have refused to assist me in getting this resolved. Kohl 's reversed the fee/interest, but refuses to accurately report the correction to the three major credit bureaus.
Consumer complaint received 2023-02-18
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. (OH)

I disputed this account inaccurate account with XXXX XXXX and Equifax and after their re-investigation they marked the account as accurate even though there is a different persons name associated with the account and the name does not match the social security number associated with the account.
Consumer complaint received 2020-04-12
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-04-12
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-04-12
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-04-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I have had four NSF fees of {$29.00} charged to my account. Two on XXXX, the third on XXXX and the fourth on XXXX. All of these fees were from my account going into overdraft ; however, poor money management and budgeting were not the reason why. All four of these fees were from my account going into overdraft because of other, outside companies, incorrectly charging me. My bank, USAA, will not return the fees and refuse to do anything about the situation even though their fees were often the cause of the overdraft etc.
Consumer complaint received 2020-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

XX/XX/20 I'm using Capital One Credit Card and I pay my bill with this accounts on instalment bases monthly by Phone.When my payment was due, I called the Capital One company so many times trying to pay my bill because I didn't want to go late payment and nobody answered the Phone .I decided to call the following day and make my payment but so amazingly when I went into my Bank Accounts this Credit Card Company had gone into my Personal Bank Accounts and retrieved all the money in it.I have some other bills to pay like my Rent, Auto Loans are still increasing with interests and late payments .I called them and they told me they were going to deposit the money back into my accounts since last week but up to date it hasn't been deposited My accounts is showing Negative .I don't see the reason why this Capital One Company could go into my accounts without my authorization.
Consumer complaint received 2020-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (GA)

This is my 2nd time reaching out to XXXX XXXX XXXX XXXX XXXX XXXX ( the address attached to the company is Midwest Recovery Systems ) in reference to them incorrectly reporting a debt that is not mine. XXXX XXXX XXXX XXXX XXXX XXXX ( Midwest Recovery Systems is reporting a fraudulent collection account on my XXXX  report and it is effecting my negatively and it needs to be removed ASAP. I have requested that they provide me with information that they have that connects me with this debt and they have ignored me. I am requesting that XXXX XXXX XXXX XXXX XXXX XXXX ( Midwest Recover Systems ) properly and legally VALIDATE this debt and show proof that it is my debt. I am requesting the following information : Please provide me with the following : What the money you say I owe is for : Please provide a copy of the signed contract Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service
Consumer complaint received 2020-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (GA)

This is my 2nd time reaching out to XXXX XXXX XXXX XXXX XXXX  ( the address attached to the company is Transworld Systems INC ) in reference to them incorrectly reporting a debt that is not mine. XXXX XXXX XXXX XXXX XXXX  ( Transworld Systems INC ) is reporting a fraudulent collection account on my Transunion report and it is effecting my negatively and it needs to be removed ASAP. I have requested that they provide me with information that they have that connects me with this debt and they have ignored me. I am requesting that XXXX XXXX XXXX XXXX XXXX ( Transworld Systems INC ) properly and legally VALIDATE this debt and show proof that it is my debt. I am requesting the following information : Please provide me with the following : What the money you say I owe is for : Please provide a copy of the signed contract Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service
Consumer complaint received 2020-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KY)

I have 2 friends that created their own training company. I want to purchase their 1 year annual reoccurring membership. XXXX and USAA and the federal government have tagged my account to be unable to participate in lawful training. This is a violation of the first amendment for association. Violates my rights to educate myself and stay current in my profession. Im a currently serving honorable serving XXXX. This is a violation of my rights to due process! I havent been convicted of any crime. I want to receive damages for the violation of my rights! The Constitutional rights is being violated. I have other knowledge from XXXX XXXX  from a similar training company.
Consumer complaint received 2020-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PA)

At the very end of XXXX ( exact date unsure ) I contacted Shellpoint via phone call to specifially discuss new Covid-19 guidelines XXXX XXXX issued that directly pertains to my XXXX XXXX mortgage. In a recorded phone call, the agent ASSURED me Shellpoint would be following those guidelines for Forbearance, specifically no late credit reporting and would not require all payments plus late fees at the end of the forbearance. I have reduced income due to covid. 

I expressed GREAT XXXX that these conditions would not be met by Shellpoint but was ASSURED they will be. With no other choice and flimsy details, I missed my XXXX payment with only assurance by an agent on a phone call to go by. 

Over the course of two weeks, I repeatedly attempted to make contact with my point of contact XXXX XXXX at Shellpoint via phone. I wanted DETAILS and assurance. 
His voicemail was full and not accepting messages. I wrote three emails that were unreturned. I could not get thru to anyone at Shellpoint. I received NO correspondence from Shellpoint via the US mail, email or phone detailing the forbearance until Saturday XX/XX/XXXX. I received a threatening form letter. 

The correspondence stated 1. NEGATIVE CREDIT REPORTING WILL OCCUR 2. Indicates ALL payments CAN be due at end of The forbearance unless they deem to do OTHERWISE and that an application for working the repayment would need to be applied for at the END of the three months and that they can DENY the application and demand all payments at once. This is contrary to XXXX XXXX guidelines and exactly what the agent said would NOT happen. 

This.is Exactly. What.I.Specifically. Asked. The. Agent. About. In. XXXX. 
In a phone call on Saturday, XX/XX/, after receiving the letter, I was able to speak with an agent who assured me my letter was wrong, differed from what she was seeing, and she was putting in a request for a manager to contact me. I do not have any faith in this process now.
Consumer complaint received 2020-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CO)

I sold my house on XX/XX/XXXX. Freedom Mortgage says they have sent two checks to my new address but they have been returned. According to Freedom the USPS can not find the address. The USPS has delivered many pieces of mail and packages to me at the new address. It is now XX/XX/XXXX and Freedom wants another 8 - 10 days to write me another check. They say they can not transfer the funds straight to my checking account but they were happy to withdraw payments from my checking account for the past 3 years. This all sounds like an excuse to sit on my money without paying me interest or late fees for another couple of months.