davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-06
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: Experian Information Solutions Inc. (FL)

identity theft inquiries XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX  XXXX XXXX,
Consumer complaint received 2019-04-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Supreme Lending (GA)

The following letter was provided to me by the buyer as they made an offer on my home only two weeks after this letter was written. The lender notified the buyer that they were in fact not approved and caused the buyer to unilaterally cancel the purchase. 

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Reference : Interested Loan Program : Pre-Approved Loan Amount : 2nd Loan Amount : Sales Price : Property Address : Mortgage Pre-Approval Request 30 Year Fixed - Conventional {$320000.00} {$00.00} {$400000.00} XXXX XXXX XXXX, GA XXXX Pursuant to information you provided, including authorization to run a credit report, I have reviewed your Pre-Qualification request. Based on the information submitted, I am pleased to inform you that you are " Pre-Approved '' for a mortgage loan. 
Your information has not been submitted for formal processing and underwriting that normally occurs when an application is submitted. Based on my preliminary review of data provided, you would likely qualify for a loan under our normal operating standards. When you are ready to submit a formal loan application, I am available to assist you with this step at your convenience. 
If you desire that a copy of this letter be sent to another party, please sign and date the enclosed Applicant Credit Acknowledgement form and return to me. Upon receipt of the executed form, I will gladly share this information as you have designated. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Senior Mortgage Consultant XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX ( Fax ) ( XXXX ) XXXX ( Cell ) NMLS # XXXX XXXX cc : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: DailyPay, Inc (GA)

The company DailyPay services the company XXXX that pays those working with XXXX. They advertise that you get paid daily, but this is never the case. I work every day, but I'm only paid 2 or 3 times a week. I have called and emailed many times with complaints and questions ; receiving varying answers every time. I work the same hours approximately, but when I am paid the pay doesn't appear to reflect it. 
I even tried the autonow and autonext features to see if I would get my pay accordingly. The supervisors at my company and our HR says that the issues aren't due to anything on XXXX 's end. The agents at daily pay are rude and do not offer much information or clear explanations in regard to their services.
Consumer complaint received 2018-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX account Loan # XXXX Showing on my credit report as being late payments incorrectly. XXXX made errors when adding my bank account for automatic payments and accepted fault. They 're negatively reporting on an account that is current.
Consumer complaint received 2022-09-16
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. (CO)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-04-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TN)

I have tried to contact them on several occasions in the last few weeks and have spent over an hour on hold on the phone, and still have yet to speak to anyone about the escrow acct shortage which they manage, and now they are trying to make me pay for there mismanagement. I never had this problem when XXXX held the loan and had reserve left over when XXXX held the loan and the payment never increased. Now they are trying to increase my mortgage payment to make up the difference that is they're responsibility. If I pay the amount the mortgage payment still increases if I don't pay it goes up almost 100.00 is XXXX. They need to fix this and not at my expense.
Consumer complaint received 2019-04-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I opened a capital one 360 in XXXX and after few days I received a wire transfer in XX/XX/2018 and the last wire transfer i recived was XX/XX/2018, amount {$3300.00}. I withdraw first via ACH payment because they have no capital one branch in the state where i live and then i requested for a debit card and they told me they dont issue debit card to savings account holder except is a checking account and i tried to open a checking account i was not approved, so i tried to withdraw again then account on hold for no reason and i have been calling them to return all money back to the sender of wire transfer.i have been calling capital one to return money back and they agree to after few weeks i called and i realised they did nothing and i told the sender all that happened and he promised he will call and after several calls he realised they are not read to release fund.i have been calling capital one almost every day in XXXX i had to slow down when they told me they are returning money back and uptil now they didnt return it,
Consumer complaint received 2019-04-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

XX/XX/2019 Experian received a formal Dispute Letter via certified mail from me requesting they validate all of the attached accounts per the criteria of the Fair Credit Reporting Act. Where in which I also requested proof of their methods of Investigation, which they did not provide. No proper verification was made. No Contracts, recordings, e-signatures or anything was provided.
Consumer complaint received 2018-04-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: VELO LAW OFFICE (MI)

XX/XX/XXXX debt collector tried to claim I owed over {$3000.00} when the debt was {$1700.00}. Refused to accept payment plan and/or tax return despite ( his ) lawyer saying ok to it. 
XX/XX/XXXX debt paid in full XX/XX/XXXX-XX/XX/XXXX more debt added to accound despite being paid in full. Also paid new amount in full. 
XX/XX/XXXX funds siezed from bank despite account being paid in full. 
To date no letter stating debt was paid has been recieved dispite state law requiring one within 21 days, and they will not return additional funds siezed above amount due and paid in full.
Consumer complaint received 2022-08-12
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. (GA)

This is my multiple attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX XXXX XXXX Balance : {$6400.00}
Consumer complaint received 2021-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CA)

Discover Card asked me to pay credit card debt that I do not own. The card was created with identity theft, without my consent, shown on statement credit card created in XXXX. I did not ever involved in any transaction with Discover Card. I report the issue to the police on XX/XX/2020 after I received notification from Discover Card asking me to pay off their credit profile. I believe I should not be responsible for any transaction I did not authorize. However, Discover Card declined to take off the record after I contact Discover Card, for many times over the phone and mail.
Consumer complaint received 2019-04-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc. (OH)

I was going over my credit file and seen a unverified account from CHOICE RECOVERY! I don't recall even doing business with this company. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am unaware of the amount due and your bill does not include a breakdown of any fees. I need to see a copy of a contract and a release form of HIPPA.
Consumer complaint received 2019-04-06
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. (KS)

My XXXX/XXXX credit account is showing 30-60 days delinquent which is not true. I had credit protection and have filed a claim with them on several occasion. Their incorrect reporting is both negligent and fraudulent. I am pursuing civil litigation on this matter.
Consumer complaint received 2018-01-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants and Professional Bureau, Inc. (TX)

MERCHANTS AND PROFESSIONALS, XXXX XXXX XXXX, President XXXX The basis for my dispute was required to notify me prior to XXXX/XXXX/XXXX, or no later than 30 days after MERCHANTS AND PROFESSIONALS, XXXX XXXX XXXX, Presidentfailed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative  derogatory information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC? 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. 
Also, MERCHANTS AND PROFESSIONALS, XXXX XXXX XXXX, President '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA? 809, which is {$1000.00} per violation and the state of TX allows treble damages. 
Under? 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) MERCHANTS AND PROFESSIONALS, XXXX XXXX XXXX, President failed to send me my initial communication before placing this alleged derogatorystatus on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 
I attached a copy of the law and the actual document from the federal reserve MERCHANTS AND PROFESSIONALS, XXXX XXXX XXXX, President is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX ( Tex.App-XXXX XXXX XX/XX/XXXX XXXX. ) citing XXXX v. XXXX XXXX XXXX XXXX ( Tex.App-XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX )
Consumer complaint received 2019-04-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC. (UT)

This company IQ Data international inc. violated my rights by placing a debt on my credit report and I was never notified by this company due to the fact that I never lived at my apt in two years. I called an was told that, I owe {$680.00} dollars. I told them that they didn't have the right to put this on my credit without proper notice I was told they tried to contact me at my address. I asked what address an they gave me the same address that I never lived at for two years and I was told they had proof I gave my notice an also pictures of the apt they said I left damaged behind. I informed them that, I have pictures of proof that I left a clean apt . When asked them to send me proof I was told no! This company lied an didn't provide be proof. My next move is court with my lawyer this was not handle professional by this company. The Fair Credit Reporting Act requires certain lenders to send a notice before reporting negative information to credit reporting agencies. The FCRA says this notice shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency. I was never notified when I moved out my apt at all. This was placed on my credit report XXXX I moved out in XXXX. This company needs to remove this from my credit report due the fact I was never given a notice at all to dispute these false debts. I'm requesting that they show me they contacted me with the correct address an not a 2yr address with proof of damages.
Consumer complaint received 2023-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/2019 I received a letter from bank of america stating that my automatic payment had been revoked, and was charged a fee of XXXX, so my new balance was {$40.00}. 

The reason the automatic payment was cancelled was because of following reasons such as no longer wanted to participate in the program, information from my bank account was incorrect, etc. I have called bank of america several times spending at least 2 hours in hold waiting for a response. I have talked with numerous representatives giving the same story. 
I have been with bank of america for 2 years, and it those 2 years I have never missed a payment and I have always been enrolled in auto payment. When I got the letter I was shocked since I have never removed myself and I knew the consequences of missing a payment. I told the representatives that my payment activity has always been auto pay with the same chase checking 's account. I have always been a loyal customer, when this happened I never received an email nor a notification in both my mobile or computer. Even the representatives didn't want to do since it showed that everything was good in my end where my bank account never changed and I never stopped the auto pay. I even called my checking 's account, and they even stated that I have always had the sufficient funding to pay my bills. I can show proof of my balance to show that I always maintained enough money for the bills.
Consumer complaint received 2015-08-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

I filed Chapter XXXX in XXXX 2015 ; discharge XX/XX/2015. Between XX/XX/2015-XX/XX/2015 I had accounts that were under the Bankruptcy Stay. I disputed XXXX XXXX, XXXX XXXX, XXXX, and XXXX. XXXX, XXXX and XXXX XXXX were all reporting Charge OFf or key derrogatory as the status between XXXX 2015 and XXXX 2015. The account 's coding was never corrected by Experian at all. This is negatively affecting my credit it dropped about XXXX points. They also blocked my ability to dispute which is my right under FCRA. The disputes are not frivolous inasmuch as I have sent documentation each time. They just chose to ignore it and close out the investigation without due diligence of the investigation. I am attaching the negative reporting of XXXX and also the blocked access. I need this corrected. They can not simply ignore the documentation. They must update if I am providing proof. This is my right under FCRA.
Consumer complaint received 2019-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HW Holding, Inc (SC)

I'm requesting we address this first! 


GOT OUR HOMES XXXX XXXX XXXX XXXX Florida XXXX Dear Attorney 's, This company has me at the end of my strings. They owe me on a lease to own at XXXX XXXX XXXX XXXX XXXX ga XXXX. Of which after robbing me ( charging fees and taken money on a monthly basic for maintenance never proformed, withholding XXXX. Down payment and services I had to pay for on the property above our agreement ). Comes to a {$6000.00}. plus total they owe me. 


On top of this they have me in collection with Hunter Warfield XXXX XXXX XXXX XXXX XXXX FL XXXX contact number XXXX, account number XXXX for the sum of XXXX which on XXXX reviews they claim I missed 4 months, XXXX, XXXX, and XXXX XXXX.after a tenent misses the due date, due on or no later than the XXXX they will file evidentiary paperwork by the XXXX. The court stated, I was to move on the XXXX if XX/XX/XXXX I did that an have proved that my beings are in storage with XXXX  the amount is wrong. They also claim I stole something upon existing. I'm not sure what they're talking about but that's false as well. I counter claimed they owe me XXXX, during our meeting with the court mediator The house manager said XXXX XXXX XXXX they don't want anything from me but to get out. '' I did that XX/XX/XXXX. 


Attach is a few paper from the court and Hunter Warfield 's collection bill. I have a file I created for this company. I knew they were going to be a problem. 


They need a class action lawsuit. 


I'm a single XXXX woman who tries to work as well. I was deemed XXXX XXXX. 

I also was in a car accident XX/XX/XXXX where 3 cars ran into me. Which makes it extremely hard to work. 


I was able to keep a home for XXXX kids and XXXX dogs for 12 years. Until I made the great mistake of doing business for 5 years with GOTOURHOMES. 


HOMELESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX
Consumer complaint received 2019-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (TX)

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Consumer complaint received 2018-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD)

I am aware that in recent years XXXX, XXXX and TransUnion announced the National Consumer Assistance Plan to enhance their ability to collect complete and accurate consumer information and provide consumers more transparency when interacting with consumer reporting agencies about their credit reports. The plan was announced after cooperative discussions and an agreement with the Attorneys General of multiple states. 

The agreement provides for updates to mandatory data reporting requirements and data collection procedures. The resulting initiatives will impact Data Furnisher reporting. 
The agreement prohibits : Collection Agencies and Debt Buyers must report the Original Creditor Name and the valid Creditor Classification Code according to the Metro 2 format. These fields are required for each account or item reported. 

Collection Agencies and Debt Buyers will not report debt that did not arise from a contract or agreement to pay All Data Furnishers A new minimum standard has been established to expand the CRAs capabilities to match credit data to the file of the appropriate consumer. Furnishers of newly opened trade and collection data must report the full name ( First, Middle, Last Name and Generation Code/Suffix ), address, full Social Security Number and Date of Birth ( mmddyyyy ). If full Social Security Number is not available, full Date of Birth ( mmddyyyy ) will be required.
Consumer complaint received 2019-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

There are three hard inquiries listed for XXXX XXXX. The dates are : XX/XX/2018 XX/XX/2018 XX/XX/2018 These are all inquiries for a mortgage and should only count as one inquiry.
Consumer complaint received 2021-02-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY (TX)

Got a call from " XXXX XXXX '' XXXX Saying he was employed by " XXXX XXXX '', and was representing " XXXX XXXX XXXX '', he told me there was a law suit against me from wells fargo for an older account from 2008, spoke to wells fargo they told me they have not sold this account to any collections company. He knew my address, name, birth date, and last 4.