davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-11
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TN)

Conns home plus has been continuously calling me more than 3 times a day from random local numbers. I have given a promise to pay of a certain date and they keep calling. I know calling more than 3 times a day and after a promise to pay was given should not be allowed. They called last night at XXXX this morning at XXXX and then again just now at XXXX I have told them 3 times I would pay it Friday and they continue to call. I have also asked them to please not call me any longer I will pay it when I get paid on Friday.
Consumer complaint received 2022-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

My name is XXXX XXXX, I have a Bank of America Checking account which is a joint account with my ex-spouse XXXX XXXX. We divorced in XX/XX/2021, and BOA requested XXXX XXXX to be physically present at the BOA branch in order to remove him from the joint checking account. I contacted my ex-spouse many times and sent him the required paperwork, but he still did not go to BOA to remove him. I called BOA and the suggestion is to close the joint account and reopen it again. But I don't want to close the existing account.
Consumer complaint received 2020-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I never applied for this companies, i don't have any contracts with my signature, I believe, that i was victim of Identity Theft, somebody stole my personal information and applied for this.
Consumer complaint received 2022-01-26
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: AES/PHEAA (NY)

Never Paid Late. The records reflect a 120 without preceding 30, 60 or 90 days. This is a massive error. Investigate all records closely. Ensure all info is truly accurate including address. Below are the accounts that reporting innacurate : FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$3300.00} ; FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$6200.00} ; FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$50.00} ; FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$4200.00} ; FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$6000.00} ; FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$3300.00} ; FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$2400.00} ;
Consumer complaint received 2020-02-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/XXXX my account was charged XXXX for XXXX XXXX XXXX and XXXX for XXXX and XXXX from a atm, I didn't authorize these charges me and my daughter called the bank Wells Fargo and disputed the transactions than they told me and her that we can not dispute them because they didn't meet certain standards which is crazy because I never went to these stores.
Consumer complaint received 2020-02-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (CA)

Freedom Mortgage LN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX This short sale was started a YEAR ago with Freedom Mortgage. Freedom Mortgage has been defrauding their investor for the last year by continually coming up with excuses as to why their file is not complete. The latest round of delaying tactics is to claim they dont have documents that we not only sent them a year ago, but have sent them multiple times, repeatedly, ever since. Even after we confirm they have one document they will ask for something different on the next phone call, claiming they dont have it even thought it, too, has been sent multiple times. This time they asked for the purchase contract, which we had just sent them ( again ) on  XX/XX/18. 


*********THIS IS NOT ACCEPTABLE*********** Freedom Mortgage is defrauding their investor by delaying the decision on a short sale. 


We have had issues on EVERY SINGLE FILE WE HAVE WITH FREEDOM MORTGAGE AND THIS NEEDS TO STOP.
Consumer complaint received 2022-08-28
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: EQUIFAX, INC. (VA)

I did not authorize the following companies to run my credit. 
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 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 2022-01-26
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc. (MS)

I have filed a dispute with the credit bureau that this is not my account and also have asked for them to send me the result of this dispute or proof showing where I opened this account and nothing has been sent to me, I just keep being ignored
Consumer complaint received 2015-06-18
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (NC)

Got a {$200.00} gift card from XXXX for signing up. Used it XXXX. Then a credit card bill came in the mail from Sears XXXX XXXX for the amount. I did not apply for a credit card at Sears. They refuse to listen to me. They say to pay it. Now they wo n't even talk to me about it because they have turned it over to collection. They are charging me {$50.00} per month for late fees and interest. I do not have a Sears credit card!!! Now my credit is ruined.
Consumer complaint received 2015-10-08
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CASHCALL, INC. (CA)

I took out a loan with Cashcall in 2013 I was later laid off from my job and tried working with Cashcall but they would not work with me. I am now gainfully employed and have contacted all creditors to payoff everyone and make payment arrangements. Cashcall stated they would call back because of the length of time. Weeks later I get a call from an attorney claiming to represent Cashcall, XXXX XXXX XXXX, stating I could make arrangements with his office. My {$2600.00} loan which I made I believe 6 six {$300.00} payments was still at {$2600.00} and due to interest still being charged U owed {$9800.00}. when I stated that was way too much money and I could not afford this, I was told they would seek a judgment and garnish my wages. I am more than willing to payoff a debt that I owe, however the amount being sought after is excessive and I am unable to pay. This should be illegal especially when I contacted them to repay. I had not received any collection efforts from them in over 18 months until I called them
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NY)

I noticed a late reporting on my account with JPM Chase Card account ending in XXXX.I called chase to find out what the negative notation is they sent me a response stating that I was not late in the month I thought they were reporting in XX/XX/XXXX but in fact I was XX/XX/XXXX. Which according to my records all payments were on time. Furthermore when I checked my credit report they are now reporting me late in XX/XX/XXXX which is totally inaccurate. This is inaccurate and false reporting.
Consumer complaint received 2020-02-11
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BTH Management (MO)

Yesterday, I was called from a restricted number and was left a voicemail by " XXXX XXXX ''. I was told that they would come to my house and work and to have my ID ready as I was going to be served paperwork if I didn't hurry up and call back. Today, she called again, 7 times in a row, around XXXX XXXX  CST from the same restricted number and left a voicemail and case number and said that she would show up at my house and work between XXXX-XXXX  XXXX  tomorrow and that my ID should be ready. Today, I called and was told that this company was called " XXXX '', that they were not a debt company, could not take money from me even if they wanted to and when I asked for a validation of debt to be sent me to me, that they couldn't send me one because they " already did ''. I have never received one. Supposedly, the debt is from Cashnet Payday Loan company. I told them that no case has been filed with XXXX County, where I live. They man then called me stupid and said that it would be filed after I was served. I said it doesn't work that way, and that a case must be filed with the court. He said that I was stupid and didn't know anything. I think requested again for a validation of debt. He refused and threatened for my credit to be destroyed with this " debt. The phone number that I was told to call was " ( XXXX ) XXXX. The man that answered the phone wouldn't give me his name and didn't answer the phone with a company name. My case file was XXXX-XXXX.
Consumer complaint received 2020-02-11
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. (IL)

I have repeatedly disputed inaccuracies on my Equifax credit report. Equifax has responded that they verified with the creditors the account information. However that can be true because XXXX  is reporting different account information, such as the high balance, different payment status, last payment date, account type and credit limit amount. According to the FCRA the Equifax is supposed to verify and report accurate information or they must delete. Equifax is violating my rights under the FCRA, which is illegal. Equifax has never sent any method of verification, who they spoke with or how they verified this information. Equifax needs to delete this account since they can not verify and report accurate information.
Consumer complaint received 2019-11-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (CA)

In XX/XX/XXXX, I was contacted by email by the company Credit Acceptance regarding a vehicle purchase from their dealership in Arizona. I responded to the email with inquiry as to how a vehicle was purchased in my name when I don't possess a driver 's license and have never been to the state of Arizona. 
I was sent a packet with the loan details inside with address on the contract as : XXXX XXXX, XXXX XXXX XXXX, XXXX, Arizona XXXX. The seller information as : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Arkansas XXXX. The information on the vehicle as : Used XXXX XXXX XXXX XXXX XXXX - Color ( White ) - VIN - XXXX - Odometer Reading - XXXX. 
The company also sent a fraud packet for me to complete however they need me to provide my identification card and social security card copies because the account could not be pulled up on the automated system by my social security number. Also, the person whose name is on all of the documentation no longer works for the company.
Consumer complaint received 2022-01-26
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. (TX)

I have sent several packages certified mail with the following documentation requesting my credit reporting statutes be enforced. 

My credit report I received from your company. The fraudulent items are circled. 
A copy of my Police Report Identity and FTC Affidavit. Proof of my identity and utility bill.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within 4 business days Experian refused to block fraudulent items from my credit report. I also sent several emails to XXXX. Consumers credit reporting statutes must be enforced if sufficient information is provided. I have attached proof the items were delivered successfully and Experian just refuses to support my credit reporting statutes.
Consumer complaint received 2020-02-11
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$280.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$280.00} -This is not my account.
Consumer complaint received 2020-02-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (TX)

I have called chase more than 4 times and registered my email and phone number with quick pay and they keep giving me this XXXX  XXXX saying the money will be in my account .... 
Im expecting two transfers of {$10.00} and {$50.00} to be in my account which I have not yet got though XXXX XXXX. 
When I called XXXX customer service to speak to someone its jus highly impossible to have some one speak to u over the phone. 
Why open such a XXXX XXXX company when they dont have any people to assist while we like fools use their service!
Consumer complaint received 2020-02-11
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. (VA)

On or about XX/XX/XXXX I forwarded a proof of verification letter to TransUnion requesting information on how 3 debts that they are reporting were investigated. There is a Water Bill for {$130.00} from a house I lived in during XXXX. XXXX XXXX is still reporting negatively even after the statue of limitations has long expired in my home state of Virginia ( 6 years ). I want this account removed from my TransUnion credit report. There are two other negative items being reported XXXX. XXXX and XXXX  XXXX  both collection agencies. I forwarded Validation of debt letters to both of these companies and XXXX XXXX did not respond with a proper and timely response. I am forwarding their response to you, the CFPB, as proof of a poor and incomplete validation of debt procedure. When I wrote TransUnion to get information about what information they were provided by the debt collector they responded with a standard template letter asking me to contact the creditor. Which I have done already about 6 months ago. I want this account deleted from my report for failure to validate debt. XXXX   XXXX  is an account that has been re-aged by the new collection agency. I want this account to be removed for that violation. Enclosed is proof.
Consumer complaint received 2022-08-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: REGIONS FINANCIAL CORPORATION (AL)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, REGIONS BANK failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
REGIONS BANK Account XXXX XXXX XXXX XXXX XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
REGIONS BANK Account XXXX XXXX XXXX XXXX XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXX XXXX, agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Consumer complaint received 2021-04-14
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: NAVY FEDERAL CREDIT UNION (MD)

Remove this from my report it has been more than 30 days an XXXX and XXXX had 30 days to respond and they have not responded please have them remove this
Consumer complaint received 2020-02-11
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (TX)

Took out a Title Loan with Titlemax on XXXX. The loan was for {$1600.00}. I have already paid in {$2800.00}. I called for the payoff and they said it was {$700.00} so I borrowed the amount from my sister ... this did NOT pay off the loan. They kept the money and applied to all their fees instead. They still want {$1700.00} @ 158 % interest. I had no idea what I was getting into ... .I am XXXX years old living on $ XXXX/mo in Social Security and can not afford to give them more money. They call everyday saying they are going to come get my car ... .I am under so much stress because of this, I am having health problems. PLEASE HELP!!!!!
Consumer complaint received 2016-08-20
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (GA)

I reported to Macy 's that they were reporting inaccurate information on my XXXX credit bureaus. 
I am using my XXXX report as an example : On XX/XX/XXXX I received a letter from Macy 's stating that their reporting was accurate. The account was charged off XX/XX/XXXX since me asking for information on my account Macys has been adding additional Charge Off ratings on this closed account. 
XXXX reported on XX/XX/XXXX Charge off marks added by Macy 's for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Then on XX/XX/XXXX XXXX reported additional negative recent CHARGE OFF reporting 's XX/XX/XXXX and XX/XX/XXXX. 
They continue to add negative information to each credit bureau that varies in accuracy. I believe this is violating my Fair Credit Report Act rights and are using deceptive debt collecting practices by continuing to report this inaccurate information on my files. 


This is causing me to be denied for my home loan and I would like this account removed immediately from my credit reports.
Consumer complaint received 2022-01-14
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. (NY)

According to the FCRA, it states Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. The inquiries listed below reporting on my credit file werent authorized by me and are fraudulent. Im requesting they be removed immediately. XXXX XXXX  XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XXXX XX/XX/20 XXXX XXXX XXXX SERVICE XX/XX/20, XXXX BANK XXXX XXXX, XXXX XXXX XX/XX/20 XXXX XXXX FINANCIAL XX/XX/20, XXXX OF XXXX XX/XX/20, XXXX XXXX XXXX XX/XX/20, XXXX XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20.