davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-25
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: Experian Information Solutions Inc. (AZ)

i have disputed this account and inquires experian tells me it came back verified and haven't seen any proof of validation just there word and a computer response i have called XXXX XXXX  and they told me to talk to Original creditor XXXX XXXX XXXX i did call them and they have nothing showing i owe anything this needs to be removed ASAP experian did remove it once then sent me a letter like 60 days after they removed it saying it was getting put back on Account name XXXX XXXX Account number XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX
Consumer complaint received 2021-12-10
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 (NJ)

Paid off my entire closed credit card bill, yet over a week later was charged interest on paid off amount. Called to resolve issue with capital one, yet the representative was extremely XXXX and hung up on me after I requested to speak with another XXXX. Now I am being charged late fees and Capital one is threatening to ruin my credit.
Consumer complaint received 2018-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I made a deposit of XXXX $ to Bank of America account XXXX on Friday XX/XX/XXXX via mobile app. The check was from a major insurance company. I looked at it and it was processing and then within two minutes a hold was put on it until XX/XX/XXXX because I never make large deposits ( although I regularly put 10-15k monthly in my three other accounts ) I use this account to pay my mortgage ONLY which incidentally is XX/XX/15, so consequently I only have deposits of 2 or 3K monthly. 

I spoke to a representative XXXX in Texas who said that her hands were tied. 

Incidentally, while I was waiting for XXXX XXXX minutes there were numerous go rounds of an ad which invited me to transfer money from my credit card to my low balance account. 

This whole scenario seems highly inappropriate at best, and in actuality a racket.
Consumer complaint received 2019-08-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (VA)

I have been making monthly payments for my installment loan from Net Credit. I am not behind on any payments. For the month of XXXX I was deducted two separate transactions of {$120.00} for XXXX onXX/XX/XXXX. I have been calling Net Credit since Saturday, XX/XX/XXXX with no avail. I have stayed on hold for over an hour and then call will then just drop off. No one ever picks us the telephone and I call multiple times a day. I have also sent an email to XXXX with no response. I call the customer service number XXXX as well as the collections number XXXX. I need to know why my account was deducted twice for the exact same amount and can not get any type of customer service response.
Consumer complaint received 2019-08-05
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Madison Management Services, LLC (MD)

Some company purchased note of my property of second lien. 
I had struggled financially and could not paid equity line and the note after almost a seven eight years was purchased by some one. 
They started threatening me to foreclose my property. Last year i have complained about them. They told me to apply for modification and they have added {$5300.00} of accrued interest and {$1400.00} in unpaid charges. making my principal go from {$47000.00} to {$54000.00} I have agreed to it thinking now i will have to pay $ XXXX monthly and they will be back off. 
Surprisingly, they came after me again after a year stating that forbearance agreement was only for a year and started threatening me again. Why i have agreed to pay them almost {$7000.00} in additionally. 
This is nothing but scam. This kind of practice must been stopped or looked. 
i am ready to pay whatever i have agreed to of {$250.00} a month for rest of life.
Consumer complaint received 2019-06-27
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: Consumer Portfolio Services, Inc. (PA)

I was lulled into a car dealership with a preapproved offer of a car loan. Eventually I was denied the loan but after checking my report I've noticed a barrage of inquiries from different finance companies that weren't authorized by me.
Consumer complaint received 2022-03-26
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. (RI)

In accordance with the Fair Credit Reporting act XXXX ( Original Creditor : XXXX XXXX ) # 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 2018-07-07
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (FL)

After Hurricane Irma we applied for disaster-relief mortgage forbearance with our Loan Servicer, XXXX XXXXXXXX XXXX. This was approved in XXXX and we had an agreement where we would make 3 payments for XXXX, XXXX and XXXX and they would process a loan modification. 

In XX/XX/XXXX the servicing of our loan transferred to Shellpoint Mortgage Servicing and I was told by both XXXX and Shellpoint that the terms of the forbearance agreement would be honored and that no negative information would be sent to credit bureaus for 90 days while the loan was being transferred. It has taken a long time, but I was told last week that Shellpoint finally had the information that they needed. I have been receiving Default Notices and was told by Shellpoint that  these were automated, don't worry as we're still in that 90-day window and this will all get resolved shortly, I've continued to make all the payments as agreed previously each month. 

I checked my credit report yesterday and Shellpoint has been reporting since XXXX that I am over 6 months behind on my payments causing a XXXX-point drop on my score and my wife 's score. My wife is going to College for a XXXX degree and we can't get a loan because of this mistake. I called Shellpoint yesterday and was told that I'm late and I owe the money. I tried for 30 minutes to explain the situation but the agent I spoke to just didn't want to listen and wasn't concerned. The call ended with her telling me I can try to escalate, but I need to repay the money because I'm behind. I am NOT behind, I am in deferment as agreed and I need this resolving ASAP. 

What worries me greatly too is I was told by my single point of contact that I'm not the only person who's in a deferment and had their loan servicing transferred. That means there are other people out here who are having their lives destroyed by having derogatory information incorrectly posted to their credit report.
Consumer complaint received 2021-08-25
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. (FL)

Under Florida law a company has to be licensed in the state of Florida to collect a debt from a Florida resident. Title XXX111 Chapter 559. 553 ( See attached documents of Florida Statues ). This applies to all consumer debt collection agencies. ( It is a felony for a consumer collection agency to try to collect a debt from a Florida resident if that agency is not licensed in Florida to collect debts. Title XXX111 Chapter 559. 565 ( see attached documents ). Transunion and XXXX  are complacent in this felony by allowing XXXX XXXX XXXX to report their trade line on my credit report. XXXX XXXX is not licensed in Florida as a consumer collection agency. XXXX XXXX is engaging in a felony by trying to collect this debt from me and Transunion and XXXX  are allowing LVNV Funding to commit this fraud there by making both Transunion and XXXX  guilty of conspiracy to commit fraud. I have filed a complaint with the Florida Attorney Generals office against XXXX XXXX XXXX. I have informed them in my complaint that Transunion and XXXX  are both aware that XXXX XXXX is committing a felony and are allowing this felony to continue. XXXX XXXX XXXX does not have a legal right to collect this debt or attempt to collect this debt according to Florida law. I want Transunion and XXXX  to supply me with proof that XXXX XXXX XXXX has a legal right to collect this debt under Florida law ( I live in Florida ). Transunion and XXXX  both know that this company XXXX XXXX XXXX is currently under investigation with the SC Attorney Generals office as well as the Florida Attorney Generals office for committing fraud and violating Florida law on debt collection. Yet despite knowing all this Transunion and XXXX  are still allowing this illegal and fraudulent debt to be reported on my credit reports. Under the FCRA a credit reporting agency has to verify the accuracy of information that a company reports and has to verify the debt exist. The fact that XXXX XXXX is commiting a felony under Florida law by attempting to collect this debt make the debt an illegal debt and therefore can not be verified to be accurate. Once again Transunion and XXXX  are knowingly allowing companies to commit fraud and violate state laws.. Let this complaint serve as official notice to Transunion and XXXX  that they are violating the FCRA by not validating the authenticity and legality of this debt. I do plan to use this complaint as evidence in court when I file a lawsuit against XXXX  and Transunion.
Consumer complaint received 2021-12-10
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. (TX)

CFPB Complaint letter So, on XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 40 days later I have not received a response. It appears that me exercising my right to address my credit is being ignored or perhaps I'm being taken advantage of. Section 611 ( a ) plainly states that failure to investigate these items within 30 days is a reason is a reason to immediately remove those items from my credit report. it has been over 40 days so I'm assuming they will be deleted promptly. I am requesting these items be removed posthaste or I will be filing litigation due to the undue stress this matter is causing me in my financial life. I am positive that my information was also impacted by the XXXX data breach possibly gotten into the wrong hands of someone who is not me! 



This is not a regular dispute, I have filed a complaint with the FTC and the XXXX if I recollect correctly none of these items are mine. According to section 611 ( a ) states failure to investigate these items gives just cause to remove from my report within 30 days. 
So far it has been 40 days. Please help me rectify this at once! Id like to see this removed at once.
Consumer complaint received 2022-03-26
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. (RI)

In accordance with the Fair Credit Reporting act XXXX ( Original Creditor : XXXX XXXX ) # 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 2018-07-07
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: EQUIFAX, INC. (NY)

I have a car lease with XXXX XXXX XXXX XXXX. I called in to make a payment over the phone and the representative inserted my account number incorrectly. They have a recording of the call that shows it was her error.
Consumer complaint received 2021-12-10
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 — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P. (CA)

Someone opened a XXXX XXXX credit card in my name. I tried to reach out to the company and have emails stating that it was not me that opened the account. The card went to a address I had never heard of let alone been associated with. They did NOTHING to help me fix it! Now I have disputed it and it just came back the information is correct and it stays. Only after they removed it once and than turned around and stuck it right back on for a longer period of time!! They are XXXX XXXX!!
Consumer complaint received 2018-07-07
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. (NY)

I have a car lease with XXXX XXXX XXXX XXXX. I called in to make a payment over the phone and the representative inserted my account number incorrectly. They have a recording of the call that shows it was her error.
Consumer complaint received 2016-02-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I am trying to stop hard copy statements for my mortgage loan. My mortgage servicer is telling me that they can not stop them, as CFPB and " the law '' require them. I have no doubt that this is true, but I do think it is stupid. Is this actually required by the law, or was it just included in one of the implementing regulations? Can you give me any insight as to why the Government regulations are requiring the waste of paper and the increased costs of printing, postage, and distribution of something I do n't need or want?
Consumer complaint received 2021-04-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

This is a Neiman Marcus store card held through CapitalOne Bank XXXXXXXX XXXX. The account is only a few years old. In 2017 I was behind on the monthly payment and CapitalOne would not assist in bringing account current so have late fees and compounding interest. As a result, over 24-months, I have paid {$15000.00} in interest and fees to CapitalOne Bank against a {$20000.00} Neiman Marcus store account ( principal amount owed to NM is unchanged ). Even after I closed my XXXX and wired CapitalOne the money, the bank did not help. Once current, I can afford the XXXX XXXX monthly payment. Again, today, I requested help to bring the account current and was told that no help is available. Even after I explained that I had income loss, they did not assist. Each time I sacrifice, CapitalOne pockets the money. There must be an agreement that can be reached to that I can continue to move forward.
Consumer complaint received 2021-12-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EMCC Holdings, LLC (TX)

EQUIANT FINANCIAL SVCS XXXX - I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my consent. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes & sent out disputes/validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Consumer complaint received 2022-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2022. JP Morgan Chase cash an altered ck # XXXX. I contacted them on XX/XX/XXXX, and submitted a Declaration of Unauthorized Endorsement or Altered item on XX/XX/XXXX as requested by JP Morgan. I called a few days later and the representative confirmed that they received the paperwork and submitted it to XXXX XXXX XXXXXXXX. I called back JP Morgan later to check on the status and they claimed that they did not received the paperwork. I went back to the branch on XX/XX/XXXX and requested that they faxed the information again and include additional information such as police report, and letter from the Office of the Receiver of taxes because the check in question was for my property taxes and it was payable to XXXX XXXX XXXX who is the Receiver of Taxes. On XX/XX/XXXX, they still claim that do not have the information. Again, the information was faxed by my banker on XX/XX/XXXX. JP Morgan is negligent in cashing a check that is clearly altered, and is refusing to give me back my money. I filed a complaint with XXXX  and they referred me to you the federally chartered institution that has jurisdiction over JP Morgan Chase. Please help me to resolve this urgent matter.
Consumer complaint received 2022-03-26
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. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2019-08-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (IN)

On XX/XX/2019, we received a notice from Ditech, stating our escrow had a shortage of {$430.00}. Then, on XX/XX/2019, we received a very similar notice from Ditech, but not they stated that we had a {$1300.00} shortage, but not explaining how that changed. I carefully studied our escrow account, and created my own spreadsheet, to project the escrow balance moving forward, based on information obtained on our account on Ditech 's website. 
I was able to see that what Ditech was claiming as a shortfall in escrow was completely false, and simply fabricated. In fact, if the escrow amount remained at the then-current {$360.00}, the escrow balance would still not fall below {$440.00}, and I walked them through the math of each month, in my 3rd phone conversation with them. 
The 1st representative I spoke with ( in XXXX ), XXXX, was very rude, and argumentative, saying they were right in their assessment. The 2nd rep I spoke with ( in XXXX ), XXXX, stated a supervisor ( XXXX ) was not available, but she would contact me within a week. It never happened, and no changes were made to our account. The 3rd representative I spoke with ( on XX/XX/2019 ), XXXX, said she did not dispute the escrow balance information I gave her, and that my escrow could never be in the negative, as the claimed. Specifically, Ditech 's XX/XX/2019 statement claimed that on XX/XX/2019, our escrow was project to have a balance of - {$140.00}. Even XXXX admitted to me on the phone, that in actuality, on XX/XX/2019, our escrow balance was {$910.00}. Yet, she would not resolve the situation, and stated that the only thing she could do is request a re-evaluation of our escrow, which would take 8 business days. Now it is XX/XX/2019, and there are no changes to our online escrow balance, or billing amounts. Ditech began applying the incorrect, increased escrow amount of {$450.00} on our mortgage payment of XX/XX/2019. And since we are paying extra toward our principal  every month so we can slowly pay the mortgage of quicker, Ditech is actually robbing our principal payment by {$1000.00} annually, and causing us to pay undue interest, and prolong our payoff period. This is just not right.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX