davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Village Capital & Investment LLC (TX)

Village Capital and Investment Co Is trying to increase my mortgage on my account because of escrow account being low. However, they are using numbers that are not accurate because my mayor of XXXX, TX is suing my County Tax Assessor and her chief appraiser to reduce the taxes because of covid 19. Also according to FHA they are not allowed to do that due to this pandemic as of XX/XX/2020. I am being discriminated against by my mortgage company Village Capital and investments because every year they keep trying to increase my mortgage due to escrow shortages for county taxes. They are trying to increase my mortgage in the middle  of the year. When they all and well know that we dispute our taxes all the time and most likely it will go down as they do every year. My Mortgage company is not willing to work with me to come up with an option that I agree. They only gave me two options that are in their favor and not mine none of which I could afford. They wanted me to due a forberence on the increased mortgage as well which I can't afford so its also not in my favor. I need the mortgage to stay the same at XXXX. That is the only option I can agree with or go down. 

https : XXXX
Consumer complaint received 2020-06-05
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. (NV)

I received a copy of my credit report with Experian. I sent them written proof that the following creditors did not report " dispute in progress '' on my credit report during the time of dispute. The creditors were XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. I sent them certified letters multiple times with the before and after credit reports. I also sent written proof about XXXX XXXX having a non deliverable address which is a violation of the FCRA. None of these above mentioned accounts have reported accurate information. Experian notified me that they would not investigate further and provided no written documentation. Because of that all of these inaccurate accounts should be deleted
Consumer complaint received 2019-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection (IL)

I have sent Identity Theft Reports, a Police Report, two forms of identification, a copy of " Notice To Furnishers of Information Obligation : Obligation of Furnishers Under the Fair Credit Reporting Act ( FRCA ), 15 U.S.C.1687-1681y information and letters to the collection company ( Perfect Collection LL ) and nothing has been done to remove this negative information from my credit report for XXXX. Their claim is that I owe {$4300.00} to a company name XXXX, who sold this debt to Perfect Collection LL. This company has refused to acknowledge that the information they have clearly shows it is not my signature ( or name ) and I did not authorize whatever that company says service was given on my behalf, and I have not authorized anyone to use my information. I also will be reaching out to an attorney if this doesn't get the matter resolved. All the information listed above was sent to the company on XX/XX/2019, and I should have had a response by XX/XX/2019.
Consumer complaint received 2019-03-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

i went to california check cashing store to get get a pay day loan they said could not get one that i had one out already tolled me call XXXX XXXX   i told them i pay my loan on XX/XX/2019 and here is XX/XX/2019 and cant get one, so call the number they said that they didn : t have it call this number XXXX XXXX they said they sold it two another company and told me call XXXX XXXX XXXX i did not i remember getting something in the mail so i call them at XXXX XXXX XXXX which is not check cashing they said i was ok toll me go back to store if have problem have them call us back, then i was told no once more, because of another loan so call back number XXXX XXXX XXXX they because didnt meet criterion you can retry in one mouth, but the guy i talk too before said i would never be allowed to loan with them again, when iam paying mine loans, and how many people have my info what do i do.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-13
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. (CA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX OF XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

To whom it may concern : I am writing to you regarding the following Capital One account : opened date : XX/XX/2018, limit {$2000.00}. 

I am very affected because of this situation, I have XXXX XXXX  and some other damages. Capital One is being unfair, negligent, and they are also committing multiple violations to my rights as a consumer.

Here are some of them : 2. Not being able to obtain loan.

3. XXXX XXXX

4. Unfair business practices.

5. Negligence.

6. Failing to mark account affected by natural disaster.

7. Failing to mark account as disputed. 
etc. 

I am opened to discuss this with Capital One. I have make my research, and created some documents for Capital One. I know these gys will take this seriuosly. They have always been known by their human side and fairness.

Please send to Capital One the documents that I have uploaded.

Thank you.
Consumer complaint received 2018-02-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (NC)

I disputed this company XXXX XXXX in the  beginning of XX/XX/XXXX because I never had an account sigh the company they are trying to collect funds for and they verified it was mines so I did what the XXXX credit bureau agency told me to do and called waypoint XX/XX/XXXX and gave all information needed they stated they have no record of me in their system then all of s sudden had found information and i have them my previous and current address which didnt match their systems being that the address i gave them XXXX XXXX XXXX that i been living at since XX/XX/XXXX and recently moved to North Carolina and they said they couldnt tell me anything about the account because that isnt the right address which I dont know what address they are looking for me to verify and i asked why are they reporting a debt thats not mines on my report and they could not answer at all i also in XX/XX/XXXX sent them a debt validation letter under my fair debt collection reporting act and never got anything in response by law i should be able to get documentation showing me how the debt is mines
Consumer complaint received 2019-11-08
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that WELLS FARGO DLR SVC has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-06-20
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. (VA)

I have been trying for over a year to get the inaccurate information such as addresses and employment information removed off of my consumer reports and these companies are not removing them. In fact they are completely ignoring me and my request. 

Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer report being fair and accurate. My personal information is completely INACCURATE. This is completely unfair to me because I was never even notified when these companies initial investigation begun and that they were going to report this information. This grave error has undermined my confidence in your company 's procedures and as a result, I will NO longer be extending credit and if this information is not removed, I no longer want my information reported in your company 's database.
Consumer complaint received 2018-05-21
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: ENCORE CAPITAL GROUP INC. (CA)

XXXXXXXX XXXX is trying to collect and report on an account that was already removed due to fraud. The original account which was removed was XXXX XXXX which was opened prior to me turning XXXX which was clearly fraud. That has already been determined. This account and nothing associated with it belongs to me.
Consumer complaint received 2019-11-08
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (MD)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SANTANDER has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2023-03-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (FL)

I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and XXXX. Here is my tracking number : XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 


According to the law 15 U.S. Code 1681 - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
Consumer complaint received 2022-03-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCarthy, Burgess & Wolff, Inc. (WA)

I was contacted by someone claiming to be a new service called " XXXXXXXX XXXX '', and that they knew I was having issues with XXXX. Which I was ; as they were sending leads outside of hours I posted. The person made it seem like they were a competitor of XXXX and had better systems. 

I was told I could pay an annual membership to join XXXX XXXX, and they would deal with XXXX for me. 

I advised that I could pay the one time annual fee on a personal card ; but would not be able to set my account up yet, as we were in transition and opening a second location and I would not be able to start taking new clients until that was resolved. 

Multiple documented tragedies and many months later, I am now ready to add another 27 clients this morning and discover that I am being charged XXXX for XXXX  sent to an old number on a " new account '' XXXX XXXX  created from my OLD XXXX XXXX information. 

Not only am I being charged for purchases I never authorized.. I am now in collections as of XX/XX/2022. 

My business number is completely different from the number they sent the referrals to. 
I have no idea what zip codes or services they offered. Nor do they have my business billing information. 

I was trying to finally activate and set up my account on XX/XX/2022 to add the 27 new clients when I learned they had done this AND put me in collections as of XX/XX/2022. 

I tried multiple times to resolve this when I discovered it on XXXX with XXXX XXXX. As well as McCarthy, Burgess & Wolfe their collection agency. 

I didn't buy these leads, I shouldn't have to pay for them. 
It is bad enough my business reputation was maligned by them offering/selling my services to clients that never had a shot of an appointment. 

My business DID NOT receive any business from them. We have not started any new clients, as we have been dealing with treading tragedies in at least 6 months.
Consumer complaint received 2022-03-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (IL)

Frequent calls received from Harris & Harris at my work number. I have called back to the number left on the voicemails but get transferred from person to person and then disconnected. Calls received at the following times and dates : - XX/XX/2022 XXXX XXXX  XXXX - XX/XX/2022 XXXX XXXX  XXXX - XX/XX/2022 XXXX XXXX  XXXX
Consumer complaint received 2019-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am a victim of identity theft and I have credit monitoring since this happened. I am noticing that there are a lot of companies pulling my credit and I have reported to all credit bureaus this matter. they are telling me they can't remove it for 2 years if I am telling you in a dispute that these aren't my credit inquires than you should be removing them.. I am in the process of buying a house and I can't have this happening and especially if no consent is given Transunion, XXXX and XXXX are failing to remove these inquires.
Consumer complaint received 2022-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-05-20
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: Bread Financial Holdings, Inc. (LA)

I have reached out to this company numerous of times about the unauthorized inquiry. I have a security freeze across all 3 credit bureaus. I have called both the creditor and the credit bureaus and they keep telling me to call the other. I have ya to get anywhere with this situation. I am well aware of my rights as a consumer and I cant get a solution. 
Inquiry is from XX/XX/2018 XX/XX/2018
Consumer complaint received 2018-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IL)

In my opinion, Citi/AAdvantage erroneously charged me interest and late fees when they did not provide a bill for a number of months. They converted me to paperless statements, then did not provide the paperless statements for 5 months, while interest and fees accummulated. Because I used this card exclusively for buisness travel, and because I pay my credit card bills in full, it was not unusual for there not to be a bill for a few months. 

I did not discover an issue until I tried to use the card on a business trip in late XXXX. I called the company immediately, asked them to remove all fees and interest, and paid the resulting amount in full. They continued to charge late fees and interest,. 

After numbeous contact via phone, chat, and snail mail, I finally paid the {$120.00} balance, under duress, only to avoid any dings to my credit report.
Consumer complaint received 2022-01-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: DISCOVER BANK (MD)

Discover bank decreasing my credit limit from XXXX to XXXX which I think is totally wrong they use old information that they claim they got from XXXX XXXX Im off of a automatic system that generates the same old incorrect in accurate information uploaded all current information and Discover still refused to place my credit limit back to where it was that they never sent me any notice about it no formal documentation I was told by They were the rep that told me that Discover doesnt have to let you know if they want to decrease your credit limit I pay my credit bills on time every month I have use my Discover card in many ways I was about to use it to expand my business thats when I found out that my balance was decrease I really wan na close my account out with Discover because I just really feel like Im being treated unfairly as a consumer they didnt even come back with her offer a counter offer which I shouldnt even need one because it was nothing wrong with the amount that I had
Consumer complaint received 2019-03-28
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. (MN)

Sent in disputer letter in XX/XX/XXXX, XX/XX/XXXX, and called XX/XX/XXXX. 

XXXX XXXX is incorrectly reporting late payment across all three credit providers. 

XXXX keep saying they investigate this compliant but never updates XXXX   XXXX report with no late payment and Transunion XXXX with no late payment
Consumer complaint received 2018-05-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

The company " Select Portfolio Servicing '' on XX/XX/XXXX statement show the payment for the month of XX/XX/XXXX a payment wasn't applied for {$1900.00}. On XX/XX/XXXX I  made payment for {$1900.00} also in XX/XX/XXXX other payment for XXXX. In XX/XX/XXXX I sent ( 2 ) payments to the company of " Select Portfolio Servicing '' and only one payment paid from my Bank account for the sum of {$1900.00} On my history payments XX/XX/XXXX to  XX/XX/XXXX I paid to them {$15000.00} to " XXXX XXXX loans '' and " Select Portfolio Servicing '' of which is the same account in the mortgage. The company of " Select Portfolio Servicing '' send me In XX/XX/XXXX I paid them only {$5400.00} of which is not the right information
Consumer complaint received 2023-06-13
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. (NY)

This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late or paid/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX