davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-20
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: Experian Information Solutions Inc. (VA)

Despite multiple requests, the unverified item with XXXX, inaccurate late payments status, still remains on my credit report in violation of Federal Law. I have contacted XXXX via mail and have returned undelivered mail with inaccurate address on file, and via phone XXXX has told me I never had account with them. Required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct which they deny that they dont have to have documentation on file. In the results of your previous investigation and subsequent re-investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law, I'm a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2018-10-20
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: EQUIFAX, INC. (VA)

Despite multiple requests, the unverified item with XXXX, inaccurate late payments status, still remains on my credit report in violation of Federal Law. I have contacted XXXX via mail and have returned undelivered mail with inaccurate address on file, and via phone XXXX has told me I never had account with them. Required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct which they deny that they dont have to have documentation on file. In the results of your previous investigation and subsequent re-investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law, I'm a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2018-08-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IN)

I have been paying ahead on my loan sending in additional money writing on the money order and sending a letter with each additional payment that these were principle only additional payments. I called on XX/XX/18 for a pay off and to inform them that they other money I sent in was for principle only. They informed me it would take 3-4 days to fix the payments and then another 3-4 days to give me a pay off. I informed them that this was unacceptable. I would be paying interest for almost 2 more weeks because they can not figure a pay off. I want a pay off so the interest is stopped. Please help! The so called expert that has been helping me can be reached at XXXX push 1 ext XXXX.
Consumer complaint received 2018-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (UT)

Hi! Ive disputed inaccurate information several times with Experian related to a a student loan that was never late. Most recently in XX/XX/2018 I provided letters from XXXX stating the XXXX of XXXX XXXX accounts reported as 60 days late last year were not late in the months the report claims ( or ever ), and after another long reinvestigation period, the error still has not been corrected. XXXX states unequivocally the account was never late. I dont know what else to do after providing proof on the companys own letterhead and still getting no result. Its been almost a year Ive been trying to get this fixed with no results.
Consumer complaint received 2022-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (WI)

I was a customer of XXXX for over 15 years. I purchased my own phones outright. I transferred my service to XXXX XXXX in XXXX of XXXX. I paid the final T-Mobile bill and did not receive any additional mail, calls, or email from XXXX. 

In XXXX of XXXX, Receivables XXXX filed a collection account in the amount of {$270.00} on my credit report without contacting me. I sent the attached letter to Receivables XXXX and they did not respond. 

XX/XX/XXXX Credence Resource Management reported the debt to the credit bureau without any previous notification. 

Both Credence Resource Management and Receivables XXXX are debt collectors from XXXX. I wrote XXXX on XX/XX/XXXX and have not received a response. The letter to T-Mobile is attached. 

I am in financial services and this collection account has caused damage to me for a recent job offer. 

T-Mobile, Receivables XXXX, and Credence Resource Management has not responded to any of my letters. I do not owe XXXX any amount. I am requesting immediate removal of the collection account from all reporting credit bureaus.
Consumer complaint received 2019-05-07
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: EQUIFAX, INC. (FL)

1 ) The first issue is that I was NOT properly notified of my dispute results! I received an email from Equifax stating my dispute results were ready. First off, my dispute results were supposed to be MAILED TO ME. Second, after I logged in to see the results online, there is a column with " view '' there. It was not hyperlinked! There was NOTHING TO VIEW. 2 ) The second issue is that I called today, XX/XX/2019 and spoke with rep XXXX at around XXXX and he told me that the illegal XXXX  account STILL REMAINS after dispute! The collection account reports a " past due '', of which collection accounts ARE NOT SUPPOSED TO DO. By default, a collection account IS ALREADY PAST DUE. They are in violation and this account must be deleted immediately. However, Equifax -- in particular, whoever entered my dispute -- took it upon themselves to submit my dispute with XXXX as " updating the balance ''! That IS NOT what I was disputing! I very CLEARLY STATED that the problem with the account is that it illegally reports a " past due '', violating the FCRA! Representative XXXX is the one who told me that " updating the balance '' is what " I was disputing '' when that is FAR from the truth. Equifax wasted not only 30 days of my time, but really a whole year of disputing this illegal account. My next step will be filing a claim against Equifax of at least {$1000.00} for damages if this account remains. In fact, there's nothing to dispute ; no dispute is needed -- this account needs to be DELETED IMMEDIATELY! I have attached what I sent to them in XXXX for my dispute, which CLEARLY does not say ANYTHING about disputing a balance! I state that the 'account must be immediately deleted for the FCRA violation of reporting a past due as a collection account '. ACCOUNTS THAT VIOLATE THE FCRA ARE SUPPOSED TO BE DELETED IMMEDIATELY!
Consumer complaint received 2018-08-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TD BANK US HOLDING COMPANY (CA)

My vehicle sustained minor cosmetic damage and the insurance released a check to myself and TD Auto Finance as the payee. I forwarded the check for endorsement to TD Auto but they refuse to send the check back saying the repairs must be completed. The purpose of the check is to pay for the repairs which makes this request ridiculous. I have forwarded a written request to them and since I have made every payment on time I want either the check released right away or a payoff statement so that I can end doing business with them forever. 

Holding the check is harmful to consumers and most likely used by them to float their account.
Consumer complaint received 2022-03-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Stilt Inc (CA)

Both the mobile application and website are full of bugs and issues that need to be fixed as they cause issues with making payments. 

- In order to add a payment method on the website, you need to use a service called Plaid. The issue is that the service seems to never work and the payment method never adds.

- There is only one way to pay and that is online. No mailing address or payments through your banks bill pay.

- Their customer services takes long to respond to inquiries- Due to the fact that their website and app contains bugs, it doesn't accurately display the amount due. My complaint stems from the following : 1 ) I had a payment due of {$250.00} on XX/XX/2022. On XX/XX/2022, I logged in and made a payment of {$250.00}. Additionally, I made a payment of {$140.00} to go towards principal so a total of {$400.00} was made. 

2 ) These payments cleared my bank account on XX/XX/2022. 

3 ) On XX/XX/2022, I logged into XXXX to see if they posted my payments to my account only to see that I am now delinquent and owe XXXX cents. Mind you, I made the exact payment that they said I owed through the website and even made an additional payment. I immediately made the XXXX cent payment and this was withdrawn on XX/XX/XXXX. 

4 ) XX/XX/2022, I receive two back to back robo-dialed calls from XXXX informing me that I am delinquent XXXX cents and need to pay immediately. I then received a text informing me the same. I called them and they confirmed that there is a mistake in their system and to please disregard. Although FDCPA does not state the amount of times they can call, this can be considered " unreasonable ''
Consumer complaint received 2019-05-07
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Maury Cobb, Attorney at Law, LLC (CA)

When they call they dont answer the call and they call all day long. I havent sign any contact with this company I never had any comunicacin with agency! I never sign any contract or made any commitment with Maury Cobb & Associates! As a consumer by the law on the credit company if I did not sign any contact with this collect this need to be removed from my XXXX report!
Consumer complaint received 2019-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (NY)

Today, XX/XX/2019, I spoke to both, chat reps and phone reps to Discover credit card. I do love their services and features. I did get to transfer my balance with their awesome balance transfer feature and promotional APR of 0 % for 18 months. However, I figured Discover would allow more funds at different times to be transferred from other creditors which was my plan from the beginning. I wasn't aware that I needed another promotional offer to do multiple balance transfers on the same credit card. I never saw any rules or terms for that. I figured all creditors have the feature to perform balance transfer as long as its from other creditors and not within the same creditors. So the reps told me that I can not perform anymore balance transfers without a promotional offer from them. What's worse is that all reps confirmed that they do not know when the next promotional offer will show up in my account. They don't know and can't give a time frame. It's at random times, which is not clear. What criteria would I need to get another promotional offer? I feel that, they don't want customers to fully take advantage of their 18 month 0 % APR promotional offer which does help customers who want to be responsible for their debt. I was very disappointed with an ambiguous, arbitrary gray answer and ultimately I feel that Discover is more likely trying to burn off some time in months before allowing me to have this feature again so I can stay as their customer past their 18 month offer with the availability to transfer more funds halfway or later through the promotional timing.
Consumer complaint received 2022-03-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I ordered 6 hoodies in total from the clothing company XXXX, however I have not received them. I ordered 4 on XX/XX/XXXX for a total of {$180.00} and then ordered 2 more on XX/XX/XXXX for a total of {$150.00}. The money was taken out of my account the day after I purchased the items but the products never came. I've tried emailing and messaging the owner of the business but he has not been responding to anything I sent. On XX/XX/XXXX I filed a dispute with capital one so that they would return my money which was a total of {$340.00} whoever, they told me I waited to late to file the dispute so they could not do as I requested. The website of the company has changed since the purchase XXXX  and XXXX
Consumer complaint received 2019-05-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, I entered into a Loan modification with Wells Fargo, it was for 3 months no missed payments to re-do loan and lower payment. In XX/XX/XXXX they ( Wells Fargo ) started the process over and In paid through XX/XX/XXXX. The loan Modification I received is not the terms we agreed to. They extended my loan to 50 more years the payment stayed the same and after 11 years of paying the montage Ive only paid {$22000.00} to total balance? 

During my dispute dated XX/XX/XXXX, certified mail on XX/XX/XXXX wells Fargo dinged my credit 27 points for 60 days late. ( I am not 60 days late ) They and XXXX have been working together to keep my public records inaccurate. They have defrauded me by reporting most of XX/XX/XXXX incorrectly. 

Please see attached for letter I sent them. I requested a WRITTEN REQUEST, COMPLAINT, DISPUTE OF DEBT & VALIDATION OF DEBT LETTER, TILA REQUEST This letter is a qualified written request in compliance with and under the Real Estate Settlement Procedures Act, 12 U.S.C. Section 2605 ( e ), 15 U.S.C. 1692 ET SEQ and Regulation X at 24 C.F.R. 3500, and The Gramm Leach Bliley Act. 

I am asking for a proof of this debt is valid, according to the laws. I can not believe the current loan is at {$220000.00} The responded to me with a 60 day late and a loan pay off total.
Consumer complaint received 2018-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP (CA)

This account was paid off In XX/XX/2017. Since then I have been contacted by Three different collection agencies regarding this bill. I do not owe this, I've been asked to provide proof, but in the last 3 years I have had someone stolen my identity and no longer keep personal information on hand. Since then I have had them contact me and then they started calling my mother who had nothing to do with this account. I felt violated and embarrassed that my family was now involved in a matter that is wrong. They have contacted her more then once and I finally called them back to stop calling her, when I spoke to her she started getting rude and telling me to pay up. I do not owe this amount and I wish they would correct this. Since my identity has been compromised in the past I feel that is is going to reoccur since my information is being bounce from company to company on a debt that I do not owe. I've been contacted by the following companies over a bill I do not owe. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Written 2 validation letters and sent certified mail to TransUnion & XXXX regarding incorrect accounts ( XXXX, XXXX XXXX, XXXX ) reporting on my credit and never received anything back except my credit report. It has been more than 90 days.
Consumer complaint received 2018-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP (KY)

I called U.S. Bank ( where I have several bank accounts ) and applied for a Credit card with 0 % balance transfer for 20 months. I spoke with a teller named XXXX at the U.S. Bank in XXXX, KY. I gave her the account information for the 2 credit account balances I wanted transferred to the U.S. Bank credit card. On XX/XX/XXXX, I saw new credit card had a balance so I assumed the credit accounts I wanted paid were. I found out that U.S. Bank paid the wrong credit agency the amount that was to be paid to my Visa XXXX credit card. I called the XXXX branch and explained the sutuation. They they will have to research the issue and that I will be liable for the debt on my US Bank credit card, even though the bank paid the wrong creditor. They also said this issue can take up to 90 days to resolve. I know show I owe twice as much credit card debt then I really do. US Bank has acknowledged their error, but has not fixed it.
Consumer complaint received 2015-11-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NJ)

I have a judgment on my credit file with Equifax. I filed a motion with the XXXX Court in XXXX XXXX, NJ to vacate the judgment. The motion was granted by the Court. 
I submitted copy of the final judgment to Equifax , so they could properly report it on my credit report. They sent me something that I believe they did n't bother to investigate with a final investigation result, when all they had to had to do with the copy I submitted was to contact the Court as to whether or not the court document submitted truly came from there. 
They simply concluded that the judgment shall remain in my file, when it has been vacated by the court in an oral argument in front of a judge. 
I want Equifax to respect court documents, when its people claim to be investigating a dispute, they have to do just that. I also want my credit file not to have a judgment, because it has been vacated by XXXX Court XXXX XXXX XXXX.
Consumer complaint received 2018-08-25
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. (OH)

I was going to buy a car and I pulled up my XXXX XXXX, Trans Union,  XXXX and XXXX credit report found XXXX XXXX #  XXXX, XXXX XXXX # XXXX, XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Fraud Student Loans that were not open by me nor did I give anyone permission to use my name to take out a loan. I found addresses that do not belong to me as well on my credit reports. 
XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2022-03-11
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: Experian Information Solutions Inc. (CA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-08-25
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Thaxton Investment Corporation (TN)

On XX/XX/2018, I revived a call from Southern Finance ( XXXX XXXX   ) in XXXX, TN, stating that my lawyer spoke with them stating that Im not fully retained with my bankruptcy and they will continue to do phone calls as they see fit. They first called my place of employment, which is totally uncalled for. Secondly, they tried to get me to come in for an office visit, and thirdly, the manager there was EXTREMELY rude, balatant, and trying to threaten me into paying. Im currently in the process of paying my lawyer fees for the chapter XXXX bankruptcy, but they absolutely refuse to take no for an answer! My lawyer has stated to me to not pay them, to pay him instead. Which is what Ive been doing. The least they can do is cooperate with my wishes and stop using tactics to scare me into paying a debt that is not legally secured. Secondly, they need to stop harrassing me with phone calls and visits after Ive repeatedly told them to stop, because legally, if I tell them not to call me, theyre not supposed to. I just want this resolved and for anyone trying to better your situations, to be aware that these people are predators and will do anything to get your money and meet their quotas!
Consumer complaint received 2018-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX was garnishing my check for 8 months with consent and still reported negatively on report and still does to date. School shut down without knowledge and embezzled millions from it students. I am a veteran and at the time was utilizing my GI bill and XXXX to pay for school and feel the collector to be fraudulently collecting and once told collections stoppeybut report from company continues.