davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-10
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC (NV)

I can not get a response from the company that handles my Reverse Mortgage. I have kept up my side of the agreement for over 10 years, I maintain insurance, pay the taxes, maintain the home and I am still alive and living in my home. This company for NO reason turned my account over to HUD with one phone number to call. MY QUESTION is why. I called this number 6 times sitting on hold anywhere from three hours to one and when I finally reach someone they just forward my question on to the company. It's just a huge call center with no information. I received THREATENING Letters that I had thirty days before they wanted a deed-in-lieu-of-forclosure. WHY. I NEVER recieved a call.They sent a response to cfpb saying they had talked to my daughter XXXX. First of all I do not have a daughter named XXXX and there were no missed calls logged on my phone. NONE. 
I feel that these threats must be explained. WHY did this happen? Why was I threatened about being evicted and I need this in writing asap. How can a company be allowed to do do business with no direct phone number?
Consumer complaint received 2019-03-03
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. (SC)

Called and submitted documents via fax and certified mail. I've asked how were these documents verified to be mine and reported correctly. The rep said it wad done electronically with short codes, and there is no such thing as a manually investigation, on top of that the representative wasn't even located in the USA. I'm not understanding how this could be, for one there are so many breaches and hack on the regular, and come to find out, someone outside the country whos not even a citizen has all of my personal information. I received a notice in 2017 from one the credit reporting agencies that all of my personal information that they had on me was exposed to XXXX knows how. I am not at the point of trying to seek legal assistance.
Consumer complaint received 2021-08-10
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. (AL)

Over 45 days ago I sent in a dispute to the 3 consumer reporting agencies for reporting incorrect information on my report. Because of this mistake on my report it has caused me be turned down for employment opportunities. According to what I read on your site it is the responsibility for you to protect the consumer and I dont feel that is happeneing. I ask that you hold the bureaus accountable for ignoring my request and do something to help me. This has caused stress on my marriage because I have to be able to take care of my family and I need this to be corrected as soon as possible. I have waited and waited and all I keep hearing is the 30 days well its past that so now what??
Consumer complaint received 2019-03-03
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. (SC)

Called and submitted documents via fax and certified mail. I've asked how were these documents verified to be mine and reported correctly. The rep said it wad done electronically with short codes, and there is no such thing as a manually investigation, on top of that the representative wasn't even located in the USA. I'm not understanding how this could be, for one there are so many breaches and hack on the regular, and come to find out, someone outside the country whos not even a citizen has all of my personal information. I received a notice in XX/XX/2017 from one the credit reporting agencies that all of my personal information that they had on me was exposed to XXXX  knows how. I am not at the point of trying to seek legal assistance.
Consumer complaint received 2021-08-10
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. (SC)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2019-03-03
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: CNG FINANCIAL CORPORATION (FL)

It's fraud the inaccurate 's on my credit report which are the hard and soft inquires the which are due to my XXXX XXXX adult son had applied for loans and credit cards using my social security number associated with my XXXX XXXX XXXX  credit scores and credit reports my XXXX XXXX adult son and the XXXX XXXX hurts his reasoning and he doesn't know that my social security number and credit scores are my own that s why I haven't pursued criminal charges or law enforcement presents in the fraud situation
Consumer complaint received 2024-04-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Why are credit card companies allowed to charge interest on interest that was accrued? I paid off balance on credit card was charged interest on paid balance. Paid the interest and min. balance for month of XXXX. Paid off full balance in XXXX then was charged interest. Asked if I would be charged interest on balance that was already interest. XXXX ( XXXX ) who is a " Senior Accountant Supervisor '' said interest accues on balance, but balance was already paid off.
Consumer complaint received 2021-08-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

XX/XX/2021 between XXXX and XXXX. Received call from XXXX number after text alerting to suspicious activity on the account. Person said XXXX  transaction had been approved and in order to get it back I would need to send it to myself? Stupid. I was half asleep. Person was polite but definitely coercive. Followed instructions to add myself as recipient. I thought, since this is my name, my number, my account, the money will just go right back into my account. Amount was for {$3200.00}. Person made it sound like no matter what I would be out that money and the only hope I had to keep it was to send myself the . Anyway, I called XXXX immediately after to confirm. They were unable to confirm, said that the scam has been prevalent and I filed a claim with them.
Consumer complaint received 2019-03-03
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: WELLS FARGO & COMPANY (CA)

Dear Sir/Ma'am, Good afternoon! I bought a mattress from XXXX XXXX  in XXXX  XXXX, VA in XX/XX/XXXX and used financing through Wells Fargo to pay it off in installments. Shortly after that, military obligations caused me to move to XXXX XXXX, CA. I had trouble getting auto payments set up after getting calls and calling Wells Fargo several times. I would get calls that the payment was due, I would pay it, and then ask why auto pay was not taking out the payments. After a few months of this happening, I then ended up deploying. When I returned the account had gone to collections and also been charged off. I received no emails about any of this happening. I then settled the entire account balance with Wells Fargo in XX/XX/XXXX. My credit score had been increasing, due to no other negative remarks, and so I decided to send Wells Fargo a letter asking for a possible goodwill adjustment. The request was declined, but then I noticed that I had taken another big hit to my credit score. When I looked, Wells Fargo had updated the date reported on my account to XX/XX/XXXX. I'm not sure if they have the right to do this, but it seems unfair that an old debt could come back and negatively affect me well after it's been paid off and settled. I would just like some clarification as Wells Fargo has been unwilling to help me or give me answers. Thank you very much! 

Regards, XXXX XXXX
Consumer complaint received 2017-01-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: ENCORE CAPITAL GROUP INC. (CA)

This company is in violation of the USA laws. We are currently in active Bankruptcy and they have contacted us instead of our attorney and attempted to collect money. The last executive was rude and disrespectful to my husband and we do n't have to be putting up with this.
Consumer complaint received 2021-08-10
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. (SC)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2019-03-03
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. (MO)

I been dealing with this same issue for months now, and the information I'm requesting is still not being delivered to me as of my rights as a consumer as transcribe within the FCRA laws. Improper information on my report is hindering me from acquiring credit. My identity has been compromised but yet I still feel victimized by the 3 major credit bureaus inwhom investigation does not include blocking these accounts from reporting on my credit report. The accounts I'm disputing are. ( 1 ) XXXX XXXX XXXX {$390.00}, and ( 2 ) XXXX XXXX XXXX {$130.00}. I need every single detail of the Method Of Verification used in your investigation into this matter. Names, titles, times, and physical documentation. This is my consumer rights as stated with the FCRA and backed up by the FTC. And if this is not met then the accounts shall be block immediately.
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

I submitted a letter to the three consumer reporting agencies over 45 days ago and I still have not received a reply back. I dont know if they have just ignored my request but I want this to be taken care of quickly. I'm on the process of getting my first home and this is keeping me from closing on this mortgage. I would hate to lose out on my American dream due to lack of response. I may not know much about certain things but I do know that the website states that I should have had some kind of response within 30days or it is supposed to be deleted. I need this to be done immediately becuase if I lose out on this house me and my XXXX  will have no place to live. So unless you want to provide me with housing and reimburse me for the money I may lose on this closing I would like my request to be processed or I will have to seek litigation for these companies not following the law.
Consumer complaint received 2019-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

I called and submitted numerous letter to correct my personal information to the credit bureaus. I also have certified mail receipts. I have old addresses on my credit report that I never lived at a day in my life. Also my name is not reported correctly and misspelled. I would like all addresses that do not belong to me deleted. I would also like my name reported correctly and all inaccurate names deleted. This is hindering my life in a major way and needs attentions ASAP. Thanks for your cooperation please help!!
Consumer complaint received 2023-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MI)

Each month as I call to make a payment to pay off the entire balance shown on my monthly statement, I want to schedule the payment on the due date and the computer tells me that " due to state law I can only schedule the payment to be taken out of my checking account either several days before the due date or a day after the due date which would then be a late payment and I would be charged a late payment fee. '' My card is a " citi visa card used at Costco. I also use a XXXX XXXX XXXX XXXX from XXXX  XXXX XXXX and a XXXX XXXX XXXX as well as a regular XXXX  XXXX XXXX and none of them ever require a several day in advance of the due date without penalty to schedule a payment. This policy seems unique to the Costco Citi Bank Visa and means they have the use of the funds several days in advance of the due date and saying it could be scheduled after the due date obviously generates a late payment fee for them. I am not aware of any Michigan State Law that says you can't schedule a full payment on the actual due date and would appreciate your help in clarifying this.
Consumer complaint received 2019-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Advantage LNS Inc. (SC)

My identity was stolen in 2017. I submitted dispute letters to this company along with all 3 credit bureaus numerous times. Each time I dispute they verify the account as accurate. Federal Law states I must have a written contract along with all FCRA requirements. Also I filed a police report for my identity theft and had a fraud alert placed on my accounts. 
This letter is regarding account # XXXX, which you claim I have a charge off and I owe {$5100.00} and my account was reported to collections as delinquent for {$5100.00} ]. This is a formal notice that your claim is disputed.I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent and evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation.
Consumer complaint received 2024-02-05
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. (NM)

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2021-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debtsy Holdings, Inc. (TX)

Someone used my information without my knowledge to obtain a signature loan with XXXX XXXX XXXX XXXX XXXX. I have spoken with representatives from XXXX, and have been told there is a bank account and phone number that is not mine attached to the account, and that the account was accessed and payed from out of state. I was told XXXX would be investigating the matter and that they would be in contact with me. XXXX did nothing but continue their attempts to collect the debt and report false information to the credit bureaus. I have sent a letter, supporting documents, and a copy of the FTC Identity theft report to XXXX. Instead of resolving the issue, they have hired a debt collection agency, Debtsy. Debtsy continues attempts to collect a fraudulent debt and send false information to the credit bureaus. I have contacted Debtsy and sent them the FTC report, however they claim the debt is valid. I have never signed anything with XXXX, I have never entered a branch of XXXX, and I have never visited a website belonging too or affiliated with XXXX.
Consumer complaint received 2019-09-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (OR)

Fed Loan Servicing has my student loans. 
For a year, I have been writing letters trying to have this debt dismissed due to all the fraud. 
XXXX XXXX opened unauthorized accounts and is now being sued. 
XXXX XXXX is facing 6 lawsuits. 
How can I be held responsible for a contract riddle with fraud? 
It has been 9 years since my education and I still have yet to benefit from this education. 
I have filled out 6 applications for loan discharge that have all been returned because my situation does not fit into their categories.
Consumer complaint received 2021-08-11
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. (FL)

AFFIDAVIT : In this court of record I, XXXX XXXX XXXX XXXX, a man, swear under oath and penalty of perjury that all herein is true as follows I am a victim of identity theft and fraud and XXXX, Equifax, XXXX  are continuing to report fraudulent accounts on my credit profile after I informed them of the fraudulent accounts in which are causing me harm, injury and damage in the public. 

s : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Weber & Olcese, PLC (MI)

Weber and Olcese, XXXX XXXX XXXX, XXXX MI XXXX ph # XXXX garnished my wages, after payment arrangements were made and agreement was made. They were notified of hardship and then proceeded to garnish 25 % of my wages. When I called to discuss the matter I was told it was too late now and that I never called then to make arrangements when I have record of such arrangement. File # XXXX I have been making {$40.00} payments for XXXX XXXX