davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NY)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-03-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: AMERICAN EXPRESS COMPANY (IL)

I filed a complaints with American Express bluebird for not refunding me on a purchase through XXXX and now they purposely over-drafting my account with no proof of new transactions. Its over drawn by {$13.00} on XX/XX/2021 at XXXX
Consumer complaint received 2024-02-28
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: Westlake Services, LLC (CA)

I was able to get the official list of all the companies who received the bid for the Illegal Repossession Order placed past 90 days of the allotted time they had to present the Title and Registration. Here is the information on the parties that were notified improperly.
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

XXXX alerted me that someone made a hard inquiry on my credit report XX/XX/23 through Bank of America. This is identity theft as I do not use that bank and did not make a credit inquiry. XXXX has filled a dispute and I am contacting Bank of America now. I would like my credit files marked as identity theft attempts.
Consumer complaint received 2023-03-06
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: W&A Intermediate Co., LLC (CA)

The reason for the dispute was submitted XX/XX/2023 and why I know the information is incorrect reporting to my credit report. The FCRA firmly sates any Mistakes must be removed once you have reported an error on your credit report or background check, and the reporting agency can not verify that the information they have is correct, they must remove the error within 30 days. They are now in violation of this error and this must be removed immediately from my credit report or I have the right to peruse legal action.
Consumer complaint received 2021-10-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (FL)

I refinanced my mortgage in XX/XX/XXXX with XXXX XXXX XXXX --, That CO. 
sold it to XXXX XXXX XXXX in XXXX who then sold it to Planet Home Lending in XXXX. The monthly payments were {$1700.00}. 
The {$1700.00} was increased by this co. Planet to {$1800.00}. When I enquired I was told by a person in the loan dept. ". XXXX " she would submit a copy of our phone conversation to the right dept and they would take care of it.. It turned out that ther was shortfall of {$340.00} I got another employee on a telephone conversation, " XXXX stated that the increase was due to a shortfall.I paid the shortfall with XXXX payment that evening which was {$2100.00}. hoping to take care of the shortfall and the mortgage payment foe XX/XX/2021. The XXXX mortgage payment had not returned to {$1700.00}. 
I also sent {$1000.00} to principal only, they ignored my request and placed the cashier 's cheque in some place called " other '' .I sent my usual payment and added {$790.00} which would be two payments in XXXX one to principal only and the other the regular mgt.fee. 
XXXX statement has arrived with no explanation of the extra payments I have been making. It still says {$1800.00}. What are my options. I need help with this matter.
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

I would like Navy Federal to provide me with their policy for deferments which are offered to members who experience hardship allowing them three months of relief. In particular I would like Navy Federal to provide me with their policy on credit reporting in terms of deferments because I have 3 errors on my credit report for XXXX, XXXX, and XX/XX/2019 which are impacting my credit score. I was not provided with any documentation or notified how these policies would impact my credit reports with the bureaus.
Consumer complaint received 2020-07-10
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Consumer Adjustment Company Incorporated (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud  where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2021-01-06
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. (TX)

On XX/XX/2020 I initially sent a letter to the bureaus letting them know that these accounts are fraudulent and should be deleted from my credit reports. I never heard anything from them. XX/XX/2020 I sent another letter letting them I never received a response or an update about the disputes. As of today, I still have not received anything and it is frustrating. I am also a victim of the Equifax data breach and this means my information could be in the hands of everybody. I am getting so frustrated at this point. It seems like the credit bureaus are ignoring me on purpose. I was always under the impression that the credit bureaus had 30 days to complete an investigation or the accounts had to be deleted. 611 ( a ). Well it has been over 90 days in my case and I havent received results, updated that an investigation had been started. Nothing. Please delete these accounts immediatelely.
Consumer complaint received 2021-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX bank card has been anightmare. I was in the hospital for a week in XXXX recovering from an XXXX XXXX. I was obviously preoccupied and my autopay used the wrong debit card. My minimum payment was only {$45.00} and I could easily pay that. ( I am a XXXX XXXX XXXX XXXX  making about XXXX a month ). Once I was home from the hospital, I saw the payment got returned. So I immediately logged intoXXXX to pay the {$45.00}. 

I could not login. I found out they closed my account! I had never missed a payment with them or any creditors. This was completely unwarranted. Not only that, but they suspended my account access. Without being able to access my account, I couldn't pay them. 

Then they started calling me 10x a day. I was so scared I kept trying to block them but they'd call me from different area codes. I had to block calls on my phone completely. I've missed so many important calls from friends and family because of this. This has gone on for 4 months. 

They now marked me 120 days late so far on mycreditreport. I've never missed a payment from any of my creditors before. Mycreditscore is lowered because of mycreditutilization, but my payment history was always 100 % for my entire 10-year credit history. I have 383/383 on time payments since XXXX ( age XXXX ) to now ( age XXXX ). Now my payment history is ruined over {$45.00} dollars a month and I still can't access my account to pay them. 

Update : A full 4 months later they restored my account access and I made a payment today which will be reflected shortly. 
I now want my credit report updated to show that I never made any late payments considering this was not my fault and there was nothing I could do. I also want all fees and penalties removed from this ordeal. I will only pay the balance that I owed in XX/XX/XXXX before my account was blocked. I am now in contact with a lawyer.
Consumer complaint received 2021-01-06
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. (NC)

I have disputed the addresses and jobs, and names that show on my credit report. 

I was only give one name which is XXXX XXXX. My current address is XXXX XXXX XXXX XXXX, NC XXXX My place of employment is XXXX I have sent in proof multiple times with no update or response.
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I have disputed the addresses and jobs, and names that show on my credit report. 

I was only give one name which is XXXX XXXX. My current address is XXXX XXXX XXXX XXXX, NC XXXX My place of employment is XXXX I have sent in proof multiple times with no update or response.
Consumer complaint received 2021-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I sent a letter on XX/XX/2021 I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall any these accounts.

I need this problem fix ASAP. I should not have to wait another 45 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me.

Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those item from my credit report it has been over 45 days so they should be deleted promptly
Consumer complaint received 2021-10-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This company has violated my rights under the FCRA and the FDCPA. This company has violated my right of privacy under 15 USC 1681 a ( 4 ). This company has continued to report adverse information without my consent and this has violated my right of privacy for them to continue to report information that is private to me and this has caused me great XXXX. This company has also violated statute 15 USC 1692g and has failed to validate this debt in a timely manner as stated by law. I also included in that letter that this company must cease all communication through any medium directly or indirectly with any other company until this debt was validated and they have failed to do that. I am tired of being XXXX  as a consumer and i know my rights. I will not stand for this any longer. I have attached an invoice for every violation that has occurred and i expect to receive compensation.
Consumer complaint received 2021-10-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NM)

On XX/XX/XXXX I noticed that there was a {$300.00} advance taken out of my Wells Fargo home equity line of credit. The description on my on-line statement was Requested Advance. This was done 5 times for a total of {$1500.00}. I called the customer service number to find out who requested the advance and where the money was transferred. After being transferred 3 times and disconnected once I was told this must be fraud and we need to close the account. The could not tell me where the money had been transferred. I was also told I would be contacted within 48 hrs to follow up on the issue. I explained I needed to re-establish the line of credit as soon as possible because I needed the availability for a commitment I needed to fund.

I never heard from anyone at Wells Fargo over the next 4 days. I called back and was again told someone would call me. Nobody did.

Once again, now the third attempt I called Wells Fargo again. I was transferred 9 times and disconnected twice. I was on the call ( calls ) for over 2 1/2 hours. Nobody seemed to know what to do. Nobody could tell me where the money was transferred. Nobody could tell me when I would hear from someone to re-establish the LOC or where my money was transfered.
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

I am unable to access my credit report or any other credit information through Experian. 

The phone number associated with my Experian account is no longer my phone number. In order to log in, Experian is asking me to confirm my identity via the phone number they have, which I do not have access to. I am unable to reset my password to access my report because this process also requires confirmation through the phone number I do not have access to. 

Beginning on XX/XX/XXXX I have attempted to contact Experian 's customer service thirteen times and have only received two automated responses that have not solved the problem. 

As of today ( XX/XX/XXXX ) I am still unable to access my credit information through Experian.
Consumer complaint received 2021-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have reached out to XXXX XXXX ( XXXX ) at least once a month since XX/XX/XXXX to have them report my account as closed and settled. They had misreported my account as delinquent in XXXX and neglected to take action on my requests to report the settled balance. Further, I opened multiple disputes with all three credit bureaus to resolve the issues. The XXXX and Transunion bureaus cleared the delinquent reporting for XXXX but did not correct the account settlement issue. XXXX did not correct any of the reporting. Dispute Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

This complaint has been updated. The account has been reported as paid and closed in XXXX with XXXX and Transunion. XXXX has not updated XXXX 's records and my account is showing delinquent all the way to the present. This is unacceptable and is affecting me negatively.
Consumer complaint received 2021-01-06
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. (NC)

I have disputed the addresses and jobs, and names that show on my credit report. 

I was only give one name which is XXXX XXXX. My current address is XXXX XXXX XXXX XXXX, NC XXXX My place of employment is XXXX I have sent in proof multiple times with no update or response.
Consumer complaint received 2021-10-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP (NY)

On XX/XX/XXXX I received a letter in the mail from HONDA FINANCIAL SERVICES about the unlawful repossession of my vehicle, within the letter it clearly states we have the collateral, and if the vehicle is sold for more I would get the extra money. This letter confirms my CFPB complaint # XXXX made earlier on XX/XX/XXXX this is a fraudulent loan and the XXXX XXXX XXXX has already been paid for as this was apart of a consumer credit transaction pursuant to 15 USC 1602 ( i ) .HONDA FINANCIAL SERVICES is also in receipt of my cease and desist as HONDA FINANCIAL SERVICES hired an unauthorized third party RECOVEY DEPARTMENT ( company name ) who is not a party listed on the contract or a witness to the contract as HONDA FINANCIAL SERVICES has now infringed upon my right to privacy and has organized the theft of my vehicle in which RECOVER DEPARTMENT is in possession of stolen property. This has cause a major inconvenience to my livelihood as Ive had to rent a car in order to continue my normal day to day operations.
Consumer complaint received 2020-09-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (NY)

I received an unsolicited Visa debit card from Netspend/XXXX. I did not apply for this card nor did I want this card. I contacted them and they suggested my identity may have been stolen. I sent them a written notice of the fraud as recommended by IdentifyTheft.gov and did not hear back from them in the required 30 days to indicate that the account has been closed. I therefore do not know the circumstances that let to them opening the account ( the date, method, and what information was provided to them ) nor do I know if the account has been closed.
Consumer complaint received 2021-10-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have contacted all three Credit Bureaus/Agencies ( XXXX , XXXX, TransUnion ) and the Creditors ( XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately
Consumer complaint received 2021-10-10
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2021-01-06
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. (TX)

On XX/XX/2020 I initially sent a letter to the bureaus letting them know that these accounts are fraudulent and should be deleted from my credit reports. I never heard anything from them. XX/XX/2020 I sent another letter letting them I never received a response or an update about the disputes. As of today, I still have not received anything and it is frustrating. I am also a victim of the XXXX data breach and this means my information could be in the hands of everybody. I am getting so frustrated at this point. It seems like the credit bureaus are ignoring me on purpose. I was always under the impression that the credit bureaus had 30 days to complete an investigation or the accounts had to be deleted. 611 ( a ). Well it has been over 90 days in my case and I havent received results, updated that an investigation had been started. Nothing. Please delete these accounts immediatelely.
Consumer complaint received 2021-01-06
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. (OH)

I have hand written and sent via XXXX certified mail to remove companies that have reported misleading information on my credit report i demanded they re-validate this information and i have not recieved any information of these items being deleted under the section act 15 usc section 1681i these items need to be deleted immediatetly i will take legal action for extortion of my character to be able to have lenders extend loans to me and characterize me as not being able to pay back debt. 

I again demand these companies be deleted immediately and inquiries XXXX XXXX # XXXX XXXX  XXXX  # XXXX