davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NY)

This is so annoying & frustrating. Ive sent Equifax multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Equifax 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}, and XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$1500.00}. Please delete these accounts ASAP.
Consumer complaint received 2019-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I filed a CFPB Case : XXXX XXXX Capital One Case :  XXXX. Capital One one is playing a game, they are still charging me for the fraudulent charges on my account. They also have left a number to call which I have called over 27 times now with no response.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX is the agent handling my case. I have been calling from ( XXXX ) XXXX and she never picks up the phone or responds to any of my messages. Capital One is refusing to help me with these fraudulent charges and their billing department calls me everyday to tell me to pay for these fraudulent charges!
Consumer complaint received 2019-05-01
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. (NV)

Hello. My name is XXXX. I happened to check out what was going on with my credit report. I noticed several collection items placed on my report that do not belong to me. Please remove them from my report today I appreciate the help. Thanks so much.
Consumer complaint received 2019-02-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TN)

Through a credit monitoring service, I noticed collection accounts on my credit reports from Resurgent/LVNV Funding. I began disputing this information with the three major Credit Bureaus in XX/XX/XXXX. I asked for validation, but instead received updated copies of credit reports that simply cited verified. I even received letters that reported this information would not be investigated again. While I awaited the results of my continued disputes with the three major Credit Bureaus in XX/XX/XXXX, I received letters from the Debt Collector, that did not contain the Validation I requested from the Credit Bureaus. In early XX/XX/XXXX, I mailed out another round of requests for validation, this time to the Collection Agency. These requests were sent certified, so I am positive that they were received. To this date, Resurgent Capital Services/ LVNV Funding LLC has failed to provide me with the validation for this debt but has refused to remove these items from my Consumer Credit Report.
Consumer complaint received 2017-10-01
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. (NV)

I have a XXXX XXXX through XXXX XXXX ( XXXX XXXX ). There was a data breach at the company that caused them to want the card frozen. Unfortunately, and through no fault of my own, their computers never shut the card down and I was able to continue making purchases on it. One day, after checking my account details, I noticed purchases having been reversed. In addition, there was a 60-day delinquency being reported. 
I called Customer Service with regard to the matter, and a manager named " XXXX '' called me back the next day. He explained that, in their error, the card was never shut down as they wanted it to be. A new card had been sent to my old address and returned to them as undeliverable. XXXX assured me that all would be taken care of. They would send me a new card, to my current address, and would also remove any and all derogatory information sent to the credit bureaus. This was in XXXX. 
Last week, around XXXX XXXX, my credit monitoring notified me of another 60-day delinquent notice that had been sent to the credit bureaus. In addition, an " over the limit '' indicator was there. This, combined, caused a XXXXpoint decrease in my score. 
I called Customer Service and they reiterated the conversation I had with XXXX in XXXX. It was confirmed that I had faxed in the necessary information to have the new card sent. However, I was told that they would need to confer with XXXX related to any reversal of late fees and also any removal of negative information to the credit bureaus. 
I was told XXXX would call me " right away '' but no word from him at this point. XXXX XXXX indicated this was their error and they would be happy to fix it.
Consumer complaint received 2019-04-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (GA)

The FDCPA has been violated by XXXX and the Parent company. I've repeatedly requested that this be removed from my credit report as well as requested information validating the debt and your company has refuses. On XX/XX/2014, my son XXXX XXXX was treated for a XXXX at XXXX XXXX. The insurance provider, XXXX paid the medical provider {$820.00} at discounted rate according to the XXXX XXXX XXXX network Agreement.  However, the medical provider group for physicians sent my information to a collection agency and I informed them about the issue to remove it from my credit report and they refused to remove it or validate the debt, if any owed on the account. The account need to be removed immediately.
Consumer complaint received 2019-09-24
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LD Holdings Group, LLC (FL)

In XX/XX/2019 I talked to our mortgage company, Loandepot, about how we were going to be late on our payment and that I was worried about credit reporting. During the week of XX/XX/2019, Loandepot called me and we discussed how they don't report to the Credit Reporting Bureaus that the payment was late until 40 days. With that assurance, we made sure to pay within that window. 

Fast forward to end of XXXX of XX/XX/2019, and my wife and I are being turned down credit, severely limiting our purchase power. And we're also trying to re-finance our FHA loan. Come to find out that Loandepot had marked us as late payment even after they said we wouldn't be marked - so now our credit is being affected. 

I called Loandepot to clear this up and get that removed from our reports. They said they don't do that over the phone and to write them instead. So I did that and they replied to that email that I needed to call up the Credit Bureau 's myself and dispute it. But that's taking forever. We're trying to close on our re-finance of our home, but the lender can't go forward with this mistake on our credit reports. Please help!!
Consumer complaint received 2019-05-01
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)

Greetings, I have been fighting all three reporting bureaus in regards to them reporting on my credit file three accounts that has nothing to do with me whatsoever. They are reporting two accounts with first premier bank credit card, which I never applied for and also XXXX XXXX  which was discharged in my bankruptcy in XX/XX/2013. I was not living in the country and I have submitted proof of my passport with visas stamped showing the month and year out of the country and returning in the country as well. This is getting very frustrated and unjust in the part of these reporting agencies that are abusing citizens. They are the main one allowing for customers to be scammed, being taken advantages of by selling our information and not protecting men and women. They also are reporting a bunch of inquiries on my account, however I was able to remove all from XXXX  but Transunion and XXXX are the worst reporting inquiries that are fraudulent and when again I was not in the country for several years due to medical issues. I need your help please, even on making an action lawsuit against these companies please.
Consumer complaint received 2019-09-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION (TX)

My account was {$69.00} to the good when bbva decided to first hit me with overdraft fees of {$38.00} each. I had a {$4.00} charge, a {$16.00} charge, another {$4.00} charge, and a {$15.00} charge. That adds up to {$39.00}. None of these fees should of been charged. The way the put it through was to make sure they got {$150.00} from me. This is bogus and I need all 4 fees refunded.
Consumer complaint received 2019-10-01
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: EQUIFAX, INC. (LA)

Dispute with Equifax, stated several times they have a bankruptcy in my file. When asked where the information was provided, XXXX, a request from XXXX XXXX   started NO information regarding bankruptcy. Have sent this file. Its been over 30 days the incorrect info is still on file. They have violation of credit reporting act.
Consumer complaint received 2019-09-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Statebridge Company (NY)

In XXXX my mortgage company XXXX filed bankruptcy I continued to make my payments until they returned my last 2 payments in XXXX of XXXX in XXXX I received a letter from XXXX XXXX XXXX  stating that they are the servicers of my loan and they are foreclosing on my home on behalf of XXXX XXXXXXXX XXXX XXXX because payments were not being made I explained that I never received any further notice from XXXX or any correspondence from XXXX XXXXXXXX XXXX I applied for a modification with them but they turned me down I attended several foreclosure conferences until my case was transferred to the Supreme court I also contacted the XXXX  XXXX XXXX XXXX who sent me an email stating that after researching their database they found no records of my property and they are not my trustee I also hired an attorney who got the same response in XXXX of XXXX I received a check from NY Dept.of Financial Services with a letter attached stating that I'm receiving a payment due to a lawsuit against XXXX then in XXXX I got a mail from XXXX XXXX XXXX stating that they are a debt collector collecting a debt for XXXX someone I never heard of and they never stated what the debt was for so I filed a chapter XXXX and XXXX XXXX  XXXX was discharged but I still got a notice of foreclosure from them so my attorney filed a motion to show cause we had a hearing for XX/XX/XXXX and the representative for XXXX XXXX XXXX came to the court with nothing but the bankruptcy that I filed so a new date was set for XX/XX/XXXX but the judge did not grant us a chance to speak he made a decision granting foreclosure to XXXX XXXX XXXX even though they never submitted any documents to show cause to my attorney or the court which was a prejudice act on behalf of the judge I have had 3 counseling sessions with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  when my counselor called FHA she was told that my loan was owed by state bridge now that has me confused since judgement was given to XXXX when XXXX returned my payments and I received that check from XXXX I thought that my mortgage was discharged please let me know as soon as possible what can be done at this point thank you
Consumer complaint received 2019-01-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: New Century Financial Services, Inc. (NJ)

On XX/XX/19 my XXXX XXXX  account was frozen because of a court judgement from XXXX XXXX XXXX. I have never heard of this company and I no idea why I would have been sued by them. There must be a mistake that I am being blamed for. I am currently unemployed and looking for a new job. The money what was frozen in my account was to provide diapers and food for my XXXX small children, both under XXXX years old. I need to have this addressed as soon as possible. Please let me know how I can have this resolved.
Consumer complaint received 2019-09-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: College Ave Student Loan Servicing, LLC (MS)

Hello I had a private loan with College Ave student loans in the amount of XXXX dollars. I had made payments towards it until XXXX 2019 and XX/XX/2019 for XXXX. I am continuing making payments towards XXXX XXXX XXXX.. The problem that was happening I got a letter recently from XXXX XXXX, inc about making a balance of XXXX. This company called me and harass me about making a payment to them when I already had made payments XXXX dollars. I am filing a complaint against this company because I found out this is a scam. Thank you
Consumer complaint received 2017-10-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

My wife and I listed our home for sale to avoid foreclosure. Our agent secured a buyer but our mortgage company took too long to approve the short sale and our agent lost the buyer. Our agent worked with our mortgage company to postpone the sale date and secured another buyer. Our mortgage company ordered a value check and our agent let them in our home. The value check proved the offer we had was good and we were on the way to our short sale. Weeks went by while waiting for the final approval. Our agent called and was told to get one or two updated or new items. Our agent emailed in the items and was told the value check was old and another value check had to be done. The appraiser called and by this time our agent simply asked if it could be a drive by value instead of an interior as the interior has not changed since the last FOUR interior inspections. The appraiser agree but said he needed to check with our lender. HE NEVER  DID. Our agent followed up with him several times giving him a chance to answer his phone or return her calls. Finally, our agent sent an email to our mortgage company around the XX/XX/XXXX about the appraiser not contacting her back.. With no contact ( our mortgage company does not email, call or anything they only require website contact ) our agent contacted SPS and they said they cancelled our short sale just a few days prior to her call. She asked why and they said the appraiser could not get in! Now we are going to have a foreclosure and a deficient amount and we are a young family looking for help! We live in a two bedroom condo with a boy and a girl and need your help to stop the sale and allow our short sale to go through promptly, so we can get back on our feet. The offer we have we were told was in the range to be accepted and the time frame has been way more than should be allowable. How hard is it to accept an offer which was with in range and valid? We just want to move on with our lives and this has been a nightmare. PLEASE HELP
Consumer complaint received 2019-05-07
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. (MI)

I contacted Transunion several times regarding duplicate inquires on my credit report. Let me first start off by saying that I completely understand that inquires are a part of factual data and I am not disputing the fact that these inquiries were put on my credit report due to fraud or identity theft. However, I contacted each of the following companies XXXX XXXX, XXXX XXXX, XXXX  Card and XXXX Bank asking if they would remove the inquiries from my credit report and they agreed. I then sent these letters to Transunion showing that the original creditor has agreed to remove the following inquiries from my credit file and I asked for Transunion to open a dispute to remove them. All 3 times I disputed these inquires Transunion responded that inquiries are a part of factual data They did remove the inquiries from my credit report nor did they open an investigation to dispute with the original creditor regarding the inquiries. This is why I am filing a complaint against Transunion. Transunion has failed to conduct a reasonable investigation regarding the matter which is in violations of the FCRA. I am requesting that Transunion remove the following inquiries from my credit report ; XXXX XXXX XX/XX/2018, XXXX XXXX  XX/XX/2018 and XX/XX/2018, XXXX Card XX/XX/2018 and XXXX XXXX XXXX   XX/XX/2018.
Consumer complaint received 2019-05-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Delta Management Associates, Inc. (AL)

XXXX XXXX began calling me and threating to contact my new Employer with Wage Garnishments! He said they would begin if I did not immediately. I told him I just got this job and he said that he had a program for me, he lied claiming to represent The Government had me sign up for some bogus service he led me to called XXXX   XXXX XXXX, I cant get him on the phone, this is racism! I had to spend money to print pay stubs and forms then he told i could upload them.
Consumer complaint received 2019-09-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (FL)

Once again I recently filed a disputed I have been a chase customer had a checking account for 10 years plus. Never had any major issues. I had transferred money through checks through my other account 3 were returned because the transfer on other end got delayed but tried to rectify immediately with a cash deposit. Chase wrote a letter XX/XX/XXXX saying closing my account without even giving me a chance to fix same day other then that no notice given and again customer for years. I then call bank immediately where I am told they closed my account but again assured this will be fixed. i find out now Chase has closed that account and I can not open a new one after being told before I could. Its frustrating again a loyal customer had a checking account for over 10 years, my husband has personal and business accounts there. I I would think after having an account that long being a good customer and wanting to keep my business with them they would look out better for their customers especially after I was told on 2 occasions and assured my account wouldnt close and after it did that I could open a new one. The banker at the local branch who helped me was awesome. She went above and beyond even called the department I guess that closed it or would have had info and demanded they fix and even said you have a recording of where you told her to open a new account. I love everything about chase up until now and really want to keep my checking account with them. Hoping by getting to tell my side maybe someone high enough up in chase will care about its customers even the small ones to keep them and reopen account. I shouldnt be penalized for others mistakes. 
I have since this complaint done everything bank required deposited cash Thursday XX/XX/XXXX after infant was hospitalized or would have been there Wednesday it is now Tuesday XX/XX/XXXX and cash still hasnt posted after countless phone calls telling me account would stay open and restrictions lifted if I deposited cash here we go they said this morning closing account. I want fixed as promised and account ending in XXXX reopened and debit card reactivated. We have our kids school coming out XX/XX/XXXX everything is linked to this account
Consumer complaint received 2023-03-27
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. (VA)

Please be formally inform of the wrongly reported accounts I have indicated below. These accounts and inquiries are destroying my credit reputation. The account listed below are not mine. I have no idea why they were listed to my credit report. I surely believe that this is a FRAUD or either somebody with the similar name. This is my FTC Report Number : XXXX