davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgence Legal Group, PC (CA)

On XX/XX/2019 XXXX XXXX the title processor for XXXX XXXX   XXXX XXXX  XXXX  # XXXX, that I am working with to Refi my home loan contacted XXXX XXXX XXXX  for a pay off amount and letter in regard to a lien on my property. He was told at this time the lien on my title and judgement was expired and the owed amount is {$0.00} due to California 's statue of limitations and was directed by the customer service personnel to the lawyer 's direct line ( XXXX XXXX ( not sure about the spelling of his last name ) XXXX ext. XXXX ) where he was forced to leave a message. 

Multiple calls from XXXX XXXX XXXX  and myself have been made to this company and all have been redirected to the lawyer 's voice mail. No messages have received a return call. 

The original debt was from XXXX XXXX, they were called as well, directed XXXX to call XXXX XXXX XXXX. 

XXXX has been also reaching out to XXXX XXXX XXXX ( XXXX ), they are the attorneys office that initially handled the judgment. The contact info for them is XXXX XXXX and XXXX XXXX, unfortunately he has not received any type of response from either of them. Their phone systems are not good, he kept getting hung up on during the transfer and they finally sent an instant message to XXXX XXXX XXXX Sounds like she is the boss ). He reached back out to XXXX XXXX   XXXX  on XX/XX/XXXX as well ( XXXX ) ( They took over the judgment from XXXX XXXX XXXX XXXX ), I was told the judgment was cancelled with them and became invalid but the initial attorneys office will need to provide information as they are no longer involved. 

XXXX XXXX XXXX has had this request for 2 months and has not even bothered to call back. I am not unable to move forward with my refi due to their incompetence.
Consumer complaint received 2018-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

I OWED XXXX XXXX {$140.00} I PAID {$150.00} TO THEM ON XX/XX/2018 WHICH WAS THE FINAL PAYMENT. THEY CLAIM I DID NOT PAY AND WAS TO DATE OWING. I HAVE SENT PROOF OF PAYMENT 3 TIMES TO EXPERIAN AND XXXX TO THEIR TX ADDRESS. I HAVE SENT COPIES OF MY BANK STATEMENTS SHOWING PAYMENTS THEM. THEY STILL CLAIM I DID NOT PAY AND IT IS NOW 6 MONTHS LATER. I HAVE ASKED THEM WHAT THEY DID TO THE PAYMENT I SENT IN XXXX WITH NO RESPONSE FROM THEM. THEY HAVE CAUSED MY GOOD CREDIT SCORE TO FALL DRASTICALLY.
Consumer complaint received 2022-07-11
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. (PA)

To : Transunion XXXX XXXX XXXX  XXXX, PA XXXX CC : Attorney General XXXX XXXX XXXXXXXX XXXXr, XXXX XXXX XXXX, PA XXXX CC : XXXX XXXX XXXX United States Attorney General U.S. Department of Justice XXXX XXXX XXXX, XXXX XXXX , DC XXXX TIME SENSITIVE MATTER! 
Dear Transunion, I, the consumer and natural man, was denied housing and transportation by several companies due to the inaccurate and unverified information you, Transunion, are furnishing onto my credit report. You are in direct violation of 15 USC 1681 ( b ). The law clearly states that you are required to have permission and written instructions from the consumer before you can furnish anything. Per Congress, there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Transunion acted impartially towards me because you furnished inaccurate information, defaming my character and reputation, with no proof. In addition, you are in major violation of my rights to privacy. You are frivolously reporting unverified information which is directly affecting my creditworthiness and reputation. I am exactly XXXX weeks from having my very first child and havent been able to secure myself due to your inaccurate and false information as it relates to me. This is fraudulent activity. Congress establishes that the purpose of the Fair Credit Reporting Act requires consumer reporting agencies to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer. Late payments being reflected on my consumer report is neither fair nor equitable to me. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report within ten ( 10 ) days, and I demand that you provide me with concrete evidence proof that I have given permission for these items to be reported on my behalf as well as proof from the creditor. Proof should be signed and in affidavit form delivered by certified mail. 
Your failure to comply will result in civil liability Pursuant to 15 USC1681 ( n ). Also, your failure to comply will result in me pursuing civil for damages action pursuant to 15 USC 1692 ( k ) and 15 USC 1640 If you are unable to provide me with the above request within ten ( 10 ) days, Please Delete The following accounts from my consumer credit Report 1. XXXX XXXX  XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX Please send an updated copy of my credit report reflecting the requested changes. 
Best Regards, XXXX XXXX XXXX Without Recourse UCC 3-415, Without Prejudice All Natural Inalienable Rights Reserved
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

There is an incorrect banking account reporting on my consumer report. Bright star is reporting a {$480.00} balance monthly on a closed account. I have disputed this inaccurate information three times with no response or validation. The debit was closed out in XXXX. I have submitted a XXXX form to get proof XXXX charged this debt off and received a write off for it. Yet they are still negatively reporting monthly on my behalf.
Consumer complaint received 2019-05-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (TX)

Dear sir or madam to whom it may concern. 
I filled for Chapter XXXX bankruptcy and received my court ordered discharge on XX/XX/2019 I have told NAVIENT many times to please stop harassing me and calling to collect. 
I filled for Chapter XXXX bankruptcy because I have no money to pay them, by law I am not to be contacted for debt collection for a period of 5 years to my understanding as told by my attorney. I have IRS tax debt also in part because of my Student Debt and I can not handle any more financial hardship. 

I can not get them to stop calling me every day.
Consumer complaint received 2018-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (NE)

I have had a credit card with Wells Fargo since approx XXXX. Sometime in XXXX I was attempting to add an authorized user to the card. I went to remove this secondary individual and was advised by Wells Fargo that I could not do so without closing the card. I never added the person as a secondary card holder - only as an authorized user. I have been contacting Wells Fargo about this issue since XX/XX/XXXX. I was assigned a case manager XXXX and she was suppose to follow up. I haven't heard from her in over a month. I have asked over 15 times to be provided copies of documents that prove that I added the person as a secondary card holder - not just as an authorized user and I have been told on many occasions that the documents will be sent to me. They have never sent me any records. I just recently THIS week received a letter from Wells Fargo advising that they identified that the secondary card holder was not enrolled in the rewards program and they were going to add the person. The other person never made a single transaction on the account. The card/account were solely used by myself. I am taking full responsibility for the balance and Wells Fargo refuses to remove the other person despite not showing me any proof that they should continue to exist on the account in the first place. I contacted Wells Fargo through XXXX on XX/XX/XXXX. They called me today and the person that called said they would need to get the credit card executive team on the line and to please hold for 1-2 mins. I stayed on hold for over 20 mins before hanging up in frustration. This is not the first issue I have had with Wells Fargo yet I continue to try to give them the benefit. I am done trying. I have no reason to believe that they didn't add the person as a secondary fraudulently to boost their sales numbers as I know they have received previous allegations of.
Consumer complaint received 2018-10-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (CA)

I received a letter from Citibank that they have sold my mortgage to XXXX - however they FAILED to include information as to EXACTLY what information I needed to change in the Citibank Online Banking Payment System - in other words they FAILED to include information on how to change the PAYEE information. I have tried to call Citibank 8 times, I tried to chat with them - and have included note from that chat for your review. I called XXXX they had no answers and told me I had to talk with Citibank. So far Citibank has FAILED to give me this very simple answer. I do not know what to do now? I need the name & correct address that Citibank wants me to change on the PAYEE FORM so that my mortgage payments are sent to the correct PAYEE & ADDRESS - i am  SHOCKED this has been this hard to get???
Consumer complaint received 2018-10-26
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. (HI)

" " '' I have disputed this Charge Off on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2017-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (IN)

I file chpt XXXX bk back in XXXX XXXX, reaffirmed the debt in XXXX XXXX, recently in XXXX XXXX credit reporting STOPPED ... .do n't know why but it did ... .called them SEVERLA TIMES, allowed then ample opportunity to fix it. Here it is XXXX XXXX, XXXX and NOTHING has been done ... ..so it looks like I have 13 missed payments on my credit report. As a result, I lost an approval for a home loan, as well as seeing my credit score drop over XXXX points ....
Consumer complaint received 2018-10-23
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. (FL)

XXXX XXXX XXXX is reporting an unpaid loan on my credit report. This particular loan is the sole responsibility of my ex-husband, XXXX XXXX XXXX. I have disputed this account several times, but XXXX XXXX XXXX refuses to take it off my credit report. I am attaching documentation that proves that this account is his sole responsibility.
Consumer complaint received 2018-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

From : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, VA XXXX COVER LETTER FOR CAPITAL ONE 's REQUESTED INFO on- RE : CARD NUMBER -- XXXX Virginias SCC case number, NUMBER -- XXXX We are protected under Virginia Law and By the State Corporation Commission , as Insurance Agents and Brokers are licensed with the Authority to have the Fiduciary Responsibility for handling " Their client 's money '' and it looks like this insurance company is deceptive, and therefore we need your help! 

RE : Payment for $ XXXX- Made to XXXX XXXX XXXX ON XX/XX/XXXX, a COMMERCIAL INSURANCE POLICY WAS NOT APPROVED BY UNDERWRITING. 

The insurance company asked for A CANCEL AT INCEPTION LETTER, to protect them from claims. They have NO LEGAL reason to keep any premium for NO INSURANCE POLICY WRITTEN. 

AND This insurance company is being INVESTIGATED BY VIRGINIAS SCC BECAUSE THEY DID NOT OFFER MY COMPANY THE CORRECT POLICY AND THAT IS WHY THEY CANCELLED BOTH POLICIES AND LEFT US UNINSURED. 
WE HAVE MOVED ON TO ANOTHER INSURANCE AND THE INSURANCE POLICY REFUND OF OVER {$2300.00} WAS NEEDED TO SECURE NEW COVERAGE WITH XXXX XXXX!!! 

We are shocked that after notifying us in writing in XX/XX/XXXX that our insurance was not approved by underwriting, that the Insurance company has ignored ( 2 ) Requests by Certified Mail, with no response, including our Attorney 's Letter ( Attached ) on USPS tracking number- XXXX, which shows that the Attorney 's Letter and the request for a refund was received on XX/XX/XXXX with no response. 

We are shocked that we received a call today that Capital One, is forcing a re-bill to our card that ends in - XXXX for the {$2300.00} for the cancelled policy. The SCC has asked the Insurance agent to provide us with their Errors and Omissions Insurance information, because the policy taken in XX/XX/XXXX with XXXX XXXX XXXX- XXXX XXXX  XXXX was not the correct coverage for our business. That is what XXXX XXXX, Insurance Agent at the XXXX XXXX   XXXX XXXX XXXX wrote in her letter cancelling our policy ( Referenced above ) on or about XX/XX/XXXX. 

We used the refund on our card in XX/XX/XXXX for {$2300.00} to purchase a NEW Insurance Policy that was the correct policy and with the correct coverage needed. 

Although XXXX XXXX has a NO-Loss Letter from XX/XX/XXXX so that the insurance policy can be cancelled to inception, with no claims that they would ever pay, and with their agent 's notification on XX/XX/XXXX that we had no insurance, we had to receive a refund, the agent at XXXX XXXX  XXXX is insisting that he would keep our money. So that Is why we reported the agent to The SCC, the regulatory Body for insurance agents in Virginia.
Consumer complaint received 2018-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (NC)

I recently pulled my credit reports and discovered that I had a collection on there from Credit Management LP and the date the debt was assigned was XX/XX/2017. On the report it states that I had an original balance of {$80.00} and that my current balance was {$0.00}. After doing some research on what and where this debt could have came from, I discovered that it was from when I stayed in an apartment where cable was provided. I turned in all the equipment that was issued to me and now I am wondering why is this particular debt on ALL three of my credit reports. I did not have any knowledge of this debt and it is not fair for this to be reporting negative on my reports hindering me. If I do not owe anything then why are they reporting negative against me.
Consumer complaint received 2018-10-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (TX)

On the afternoon of XX/XX/XXXX my mortgage lender and title company, while preparing documents for converting my new home construction loan into a permanent mortgage, informed me that on XX/XX/2018 my neighbor had taken out a {$200000.00} home equity loan on my property which I bought a year prior to this fraud occurring. Somehow his title company included my 1.123 acres as collateral on his loan without my knowledge, consent, or signature. I only discovered this had occurred because I was set to close on my new construction home in less than a week when my title company discovered the lean. This illegal lean on my property is essentially a theft of my land and house. If my neighbors title company can not correct the mistake before Monday the XX/XX/XXXX I will lose my locked in interest rate thus costing me thousands of dollars in higher interest costs, and if the problem is not corrected before mid-XX/XX/XXXX, my construction loan matures and I will potentially be foreclosed on by my construction lender. I contacted my neighbors lender, and they would not speak to me. On XX/XX/2018, I contacted the law-firm who reviewed the loan and they advised they could not provide me the name of the title company that my neighbor used as it would violate privacy laws. He did give me a name and contact number for an individual at my neighbors lender and advised me I needed to have my neighbor call him, as they would not speak with me since I have no account with this company. The lender contact did not answer when my neighbor and I called him. My neighbor then contacted his title company who promptly picked up the phone and advised they were aware of the problem and working on it. As of XX/XX/2018, I still have not heard or received anything from anybody regarding this fraud despite the title company stating I would have correcting documents before XXXX XXXX   Central Standard time on XX/XX/2018.
Consumer complaint received 2018-10-26
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. (HI)

" " '' I have disputed this Charge Off on thisXX/XX/XXXX XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

The FCRA requires you to verify the validity of the item within 30 days. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I am not requesting the itemized bill, I am requesting an instrument bearing my signature. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. 

By law, if you have charged off a debt, the consumer no longer owe it. You have accused me of owing this debt yet you have had personal gain by writing it off. You continue to report a balance to the bureaus which is inaccurate. In fact, I have no personal gain from this alleged account since it is reporting as closed. You have no right to continue to damage my credit over an alleged debt that you have received gain from the government. " I received your letter & I am the one inputting this dispute. My last one was closed for no reason ''.
Consumer complaint received 2022-07-11
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. (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 an account without my written instructions
Consumer complaint received 2022-02-17
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. (AZ)

Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Experian Bureau for them to verified and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports :XX/XX/XXXX
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

An account with XXXX XXXX XXXX XXXX  XXXX XXXX for XXXX XXXX is still showing on my credit report as delinquent although it was paid in full in XXXX of 2019. I submitted a dispute via equifax and it still has not been updated over a month later. I paid {$350.00} on XX/XX/2019. This information is affecting my ability to purchase a home and open a line of credit. The collections account # is XXXX the customer # is XXXX. The representative that took payment was XXXX XXXX and I called verified this information with XXXX at extension XXXX. This exact amount was deducted from my bank account. Lastly all of the previously delinquent accounts on my report have been paid in full. Both XXXX  and XXXX   have updated and removed my old delinquencies ( except the balance of XXXX ) and notated it as paid in full and or deleted.