davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I've had this credit card since XX/XX/XXXX. And never missed a payment until I was financially distressed in XXXX/XXXX  when I my husband ( XXXX ) was in an accident leaving him in the hospital for 6+ months and not able to work anymore due to waiting for a XXXX XXXX. Once I had used my money in my savings while being off managing all the bills, I started to fall behind And I've had 7 missed payments in XXXX because of me being off work to help my husband. And once I've got back to work ( XX/XX/XXXX ) took off for medical leave, I have not missed a payment since. And have made double and triple payments to pay my balance down in XXXX. While being off from XX/XX/XXXX, to XX/XX/XXXX since my savings ran out I took durasticly measures and widthdrew most of my retirement to pay off medical and other bills for my husband ( mortgage, his credit card with same comsumer ) and I've even made a balloon payment well over the asking monthly minimum due payments ( which was {$5000.00} ), ( my highest balance was XXXX $ ) ( credit limit of XXXX ) made balloon payment in XX/XX/XXXX of 5,000.. which would have could covered previous late payments and even post payments ( my minimum amount due ) until I got back to work, which was in XX/XX/XXXX. And I have been a faithful customer once I was able to resume work, and my balance now is even at 3,000.00 which mean I make double/triple payments above and beyond minimum amount due. Having these late payments on my credit report lowers my score and has even temporary prevented me from housing situations ( I work all over the United States ) I  applied for an apartment for where I am working the next 2 years so I can provide for my family and was denied housing due to missed/late payments on my credit report from this credit card company making me drive 4 hours a day. I ask to remove late payments status so I am eligible for housing when they run a credit check. And that I have been a faithful customer ever since and only missed payments when my husband 's accident occurred.
Consumer complaint received 2022-09-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (NY)

Equifax Credit Reporting Agency has a collection on my credit report stating {$1300.00} is still owed from a collection debt. However, this debt has been paid, settled and resolved yet Equifax is still reporting that a collection debt is owed.
Consumer complaint received 2022-09-02
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. (AZ)

XXXX XXXX is fraudulently reporting on my consumer report without written consent ( signed contract ). XXXX XXXX provided a signed contract that is between XXXX XXXX and XXXX XXXX XXXX XXXX only, which has been settled. There is no signed contract between XXXX XXXX and XXXX XXXX XXXX XXXX Requesting that this information be removed from my consumer report immediately.
Consumer complaint received 2022-09-02
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. (AZ)

XXXX XXXX is fraudulently reporting on my consumer report without written consent ( signed contract ). XXXX XXXX provided a signed contract that is between XXXX XXXX and XXXX XXXX XXXX XXXX only, which has been settled. There is no signed contract between XXXX XXXX and XXXX XXXX XXXX XXXX Requesting that this information be removed from my consumer report immediately.
Consumer complaint received 2023-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (VA)

For the last few months our business account was charged for insufficient fund fees when money was there. Also, we were being charged weeks later for our purchases that the bank showed that we had already been charged prior too. The months that are in question are XXXX, 2022- XXXX, 2022. We have spent countless days and hours disputing our claims and the only response we received was that we should keep track of our money and mobil banking does not do that for you. We also was told that mobile banking does not show the same amount that the banks system show because of the delay from the merchant to authorize the charge or the bank itself who may be understaffed. Whatever to he reason money has been taken out if our account on numerous occasions with no explanation. We were also told that we didn't have to file a complaint about this matter that the bank would send a letter out. We have yet to receive any letter. It's been over a week.
Consumer complaint received 2022-09-02
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. (FL)

I do not recognize, nor authorized these hard inquiries that TransUnion has recorded in my credit report. 

.XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX .XXXXVETERANS XXXX XXXX ( Finance XXXX XX/XX/XXXX In addition , data sets related to inputting of accounts were not XXXX XXXX  Compliant. 
Payment status data listed is mismatched, compared to other credit
Consumer complaint received 2023-01-26
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble getting information about the card
Company: TRUIST FINANCIAL CORPORATION (MI)

XXXX prepaid XXXX will not send a verification code to verify my phone number that is already on file. No one at there office will answer the phone. I was on hold for over an hour. 
And was then disconnected
Consumer complaint received 2019-02-04
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GATEWAY FIRST BANK (TX)

My father passed away on XX/XX/2018 and left behind a new mortgage that hed only lived long enough to make a single payment on. My sister and I have been trying since his death to assume the mortgage, but the mortgage servicer gateway Mortgage Group has been either unwilling or unable to give us a straight answer on what needs to be done or how we can pursue an assumption. They have been giving us the run around for months while charging fees and interest.
Consumer complaint received 2022-02-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MD)

I am writing to dispute an alleged debt with Resurgent/ LVNV Funding, after numerous attempts ( letters sent to debt collector for validation ) they were unable to validate that I owe this alleged debt. How is this possible? Under the laws of the XXXX, these negative items still being reported on my credit report. I have contacted the collection agency for proof ( copies of my signature, original contract with me and debt collector in agreement, original copies of the last statement or actual bill with me and debt collector. No official document or authority the collections agency has, such as a license to collect in my city/ state ) after numerous attempts still unable to get them to verify with any official permissible document that this is indeed my debt. 

I ' ve enclose copies of my requests to the collection agency, asking them to validate this alleged debt, and the receipts showing that I sent these letter certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The XXXX requires you to verify the validity of the item within XXXX days. If the validity can not be verified, debt collectors/ credit bureaus are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge them to remove this item before I am forced to take legal action. 

In the event debt collectors/ credit bureaus can not verify the item pursuant to the XXXX , and continue to list the disputed item on my credit report I will find it necessary to sue for actual damages and declaratory relief under the XXXX . According to this regulation, I may sue in any qualified state or federal court, including small claims court in my area. 

Here is just a few of CFPB debt collectors complaint 's similiar to mines : Resurgent # XXXX, XXXX XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX  # XXXX While I prefer not to litigate, I will use the courts as needed to enforce my rights under the XXXX. 

I look forward to CFPB protection and to enforce the law against all perpetrators in violation of XXXX. CFPB to protect my right to a fair and accurate credit report, also if legal actions taken and CFPB finds such perpetrators negligent against the consumer. CFPB represent as a witness on the consumer behalf.
Consumer complaint received 2017-07-03
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. (TX)

The Collection agencies did not give me a paid in full paper work ; they were acting in good faith on behalf of XXXX XXXX XXXX XXXX XXXX XXXX ; They did not keep calling or writing but the debt was not removed from my credit record ; They single handedly use this one negative report for too many points for to long of time. They claimed no revolving credit or too few revolving account paid on time foe years now. They did not think of Pay Day loan companies was building credit ; they kept listing a Bankruptcy that was Dismissed in 2009 was still used unto this day? They sighted 1 late mortgage account in more than 2 two years was a good reason to deny credit? The Checking account for XXXX was closed and reopened after XXXX did not respond in time with documents used as a attempt to pay -- XXXX XXXX. They added a new never heard of before Collection agency for {$240.00}. XXXX XXXX XXXX 1 call and 1 letter? Contacted XXXX XXXX XXXX of XXXX XXXX Department and fell on deft ears after last payments made. They upheld the XXXX demand for " debt will ; not be released until they could wipe down the inner loins for the innermost place of the port for purging waste was paid ''?
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

I purchased a vehicle new @ XXXX XXXX Nissan, XXXX XX/XX/XXXX. The transmission had to be replaced with mileage less than XXXX in XX/XX/XXXX. This transmission failure left myself and minor child stranded in the middle lane of traffic at one of the busiest intersections in North Texas. ( Nissan Motor Acceptance Corp ) NMAC repossessed the vehicle less than 30 days after the replacement. Sold it at auction for less than % 20 of its value. My credit report shows I owe more than I originally borrowed. My report also reflects payments being made in XXXX, XXXX, XXXX and XX/XX/XXXX. Also, XXXX, XXXX and XX/XX/XXXX which is FALSE. NMAC is dragging my credit score through the mud and the information they are reporting is INACCURATE and Fraudulent! 

Note : I have paid off 3 Nissans prior to this purchase. My previous Nissan, also purchased new, had to have the transmission replaced TWICE! Nissan makes a XXXXXXXX product and expects you to pay for it.
Consumer complaint received 2022-09-02
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  Accounts : XXXX XXXX XXXX XXXX | Account : XXXX XXXX XXXX XXXX  | Account : XXXX XXXX XXXX| Account : XXXX XXXX XXXX XXXX  | Account : XXXX XXXX XXXX XXXX | Account : XXXX XXXX XXXX XXXX | Account : XXXX XXXX XXXX XXXX | Account : XXXX, have 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 2022-09-02
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Accounts : XXXX XXXX XXXX XXXX | Account : XXXX XXXX XXXX XXXX  | Account : XXXX XXXX XXXX| Account : XXXX XXXX XXXX XXXX | Account : XXXX XXXX XXXX XXXX | Account : XXXX XXXX XXXX XXXX  | Account : XXXX XXXX XXXX XXXX | Account : XXXX, have 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 2022-09-02
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, and 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. 

In accordance with the fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report. 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2022-09-02
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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 2022-09-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica (TX)

Direct Express issued me a new debit card through Comerica Bank in XXXX, 2022. I received the new card because {$310.00} was taken from the account without my consent or knowledge. I have now not been able to receive deposit information for the SSI payment processed to be made monthly to the card. The social security administration has verified that the direct deposit information does not match a Direct Express account. I have tried to contact a live agent with Direct Express for 4 calendar days and I have not been able to get through their system. Their line disconnects because they have an overload of calls. I have also been locked out of my online account and I can't get through to their technical support either.
Consumer complaint received 2017-07-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Professional Bureau, Inc. (TX)

It 's been well over a year now, and I 'm still battling with Merchants  & Professional  remove a fraudulent medical account. After reading their website, the FTC internet site, and justice departments website I gained the instructions to fix your credit when identity theft happens. All required documents have been submitted, and these companies wo n't comply with the FACTA and I 'm suffering the consequences of this identity theft.
Consumer complaint received 2020-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX is reporting 3 student loan accounts with incorrect original delinquency dates, which is preventing them from aging off of my credit report. All of these accounts went into repayment per the promissory notes in XX/XX/XXXX, and they have never been brought current. However, XXXX re-aged them in XX/XX/XXXX after my chapter XXXX bankruptcy plan was completed, and is reporting them with an original delinquency date of XX/XX/XXXX. They are scheduled to be removed in XX/XX/XXXX, but they should be deleted due to their age. 

I have attached the complete account history for all 3 loans and they show the 1st late fees charged on XX/XX/XXXX, which is the true original delinquency date. There have been some payments made to the accounts, but they were made involuntarily by my bankruptcy trustee during my chapter XXXX bankruptcy, which was from XX/XX/XXXX-XX/XX/XXXX, & the amounts the trustee paid were not enough to bring any of the accounts current. 

I notified the creditor in writing with no response after 90 days, then reported to credit bureaus and have received no resolution after 30 days. I do not agree that I owe these debts, the accounts are over the statute of limitations in my state, and the accounts have been reported as delinquent on my credit report over the maximum reportable time per the FCRA.
Consumer complaint received 2022-09-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: U.S. BANCORP (IA)

My husband and I were selling a puppy. We were contacted by a person who said they were interested in purchasing him on XX/XX/XXXX. He was out of state, but was going to use a shipper vet he had used in the past for his daughter to bring him home. He would send us a check via certified mail. When he messaged us to let us know the check was on it's way, he said his financial person had made a mistake and wrote a single check for {$2700.00} and " hoped we would do the right thing. '' We were asking {$1100.00} for the dog ; the rest was for the shipper. We received the check on XX/XX/XXXX and deposited it. The bank cleared it on XX/XX/XXXX. Once it cleared we contacted the buyer and coordinated when the shipper would pick him up. They planned on the next day. The shipper asked to be paid prior to pickup and my husband sent him the {$1600.00} via XXXX on XX/XX/XXXX. On XXXX I saw that the check had been listed as a returned item and we were now negative in that account. I knew immediately what had happened and realized we were scammed.
Consumer complaint received 2017-07-03
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SMITH, ROUCHON & ASSOCIATES, INC. (AL)

I have an old medical bill that was sent to collection that I normally pay on my next  Doctor  visit. I have n't been in so it was sent to collections in which I did n't know of. Did n't receive no letter stating debt and when I did receive a phone call the representative was very rude and threatening. Had a harsh tone and told me that if I did n't pay in a week I would be sued. The representative would n't even work out a payment plan for the debt of {$150.00}. So know it 's on my credit report damaging my credit.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

Hello my name is XXXX XXXX XXXX I am having problems with Items appearing on my credit report which I have filed a police report indicating this problem. I am also having problems with inconsistency with all three credit bureaus concerning slow credit. I feel myself and my husband have been targeted as minorities and discriminated against. No matter what we do it our credit is slow to move. It took so much for us to buy our house in XXXX, we did what credit experts said to do and still no movement. Actually, it goes back way in XXXX our credit has consistently stayed low. This has had a tremendous negative effect on our ability to obtain credit for our business which we badly needed especially during the pandemic. If not for our XXXX XXXX we would have lost everything. Please look into all three credit bureaus ( Equifax, XXXX and XXXX ) for myself and husband XXXX XXXX. 
XXXX XXXX XXXX ss # XXXX XXXX XXXX ss # XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Caliber Home Loans, Inc. (MO)

I have a mortgage where the servicing transferred from Caliber Home Loans ( NMLS # XXXX, loan # XXXX ) to XXXX XXXX  ( NMLS # XXXX, loan # XXXX ) on XX/XX/year>. The PMI was removed in XX/XX/year> with Caliber Home Loans and my autopay amount went down {$95.00} ( from {$1200.00} to {$1100.00} ) for my XXXX payment ( which the autopay process was automatically transferred to XXXX ). My autopay amount stayed the same until my XXXX payment which went up to {$1300.00}. I logged in to my XXXX account to check this and found that they have been taking PMI out of my escrow account starting XX/XX/year>. 

I have reached out to XXXX XXXX  via secure message and they say I need to provide proof from Caliber. This notice of PMI cancellation was in my loan document portal with Caliber, and now that is not accessible because my loan transferred. I have tried reaching out to Caliber and their phone system hangs up on me because I do not have an active loan with them. They do not have a secure message or email contact option that I can find. 

I have attached all of my statements with XXXX mortgage