davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

I have been disputing inaccurate information with XXXX, Equifax and XXXX over the past few months. I have been told they would not investigate and also that they have verified the information was accurate. 

I am disputing the following inaccurate information : XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXX XXXXXXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX  XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX XXXXXXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX XXXXXXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX  XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX  XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor
Consumer complaint received 2023-04-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Cash Express, LLC (KY)

I have disputed this loan with cash express as a precaution as I had a couple other payday loans that were taking out in my name, and I just want to verify that this was indeed me as a safety precaution. I requested on XX/XX/XXXX for information to be mailed to my address of XXXX XXXX XXXX XXXX XXXX KY XXXX. Which has been my address since XX/XX/XXXX. Instead of mailing me the information, I received notifications from lawyers that cash express filed a lawsuit against me, Under an address that I have notified cash express that I do not live at. Disclosing information to a family member. I then called cash express at the end of XXXX and they told me that they supposedly emailed me the information i requested however i have search and chatted with XXXX and they are not showing that an email was sent to my email of XXXX. I then spoke to XXXX in compliance who told me that he would Mail me out the information that I requested. Instead I got a letter today that tells me that I need to file a police report and provide them with my identification before they provide me with any of the requested information, why would I file a police report on something I am trying to verify before I verify it. They also told me that they will not update my address until i do so as well, which means that information will continue to be sent to a third parties house that I do not authorize. I have never had an experience like this in my life. This situation has caused me serious stress and frustration. At this point I do not believe cash express is exercising my rights as a consumer and clearly has something to hide as they will not release the validations of debt to me.
Consumer complaint received 2019-06-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTRON, INC. (GA)

On XX/XX/18, I was contacted by someone who later claimed to be " Mrs. XXXX '' at Collectron. She said that I owed $ 500+ for medical bills with XXXX XXXX XXXX They are a very large local company and cover a range of services. The date was from my XXXX on XX/XX/18. Previously, scammers have contacted me by phone and then emailed falsified insurance documents, from this same XXXX. The amounts, times and companies are not related, and I do not believe these cases to be related aside from perhaps a breach of my medical records at this time. 

I asked Mrs XXXX for mailed proof of the debt. She refused and then became hostile. I did quick research while on the phone and found that she was breaking the law with her refusal. I brought this up. She became more hostile. I told her to have a good day and goodbye. 

While this is most likely a non-existent debt, there's a rare chance that this is an employee who just doesn't know what she's doing. If that's the case. I do not want my credit to be harmed. I'm actively looking to purchase a new home in the next two months. 

In trying to take this up with the company, I found the CEO 's name and email online and emailed him the following : Good Afternoon XXXX, A person calling herself Mrs. XXXX just called me to collect a debt and said that she is from your company, Collectron. I  recognize the name of the company that she says I owe, but do not recall receiving bills from them. Rather than give payment to someone over the phone who could easily be a scammer, I asked her to send proof of the debt owed, which is my legal right. She refused and was extremely rude. This is a formal request for mailed proof of any debt that may be on file in my name at your company. If there is no debt, this is a formal request to receive written notification of a lack of debt. 

Thank you,
Consumer complaint received 2019-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK (VA)

I enrolled with Freedom Debt Relief XX/XX/2018. They made extensive promises to settle my debts within 6 months. After just one year, they only settled one debt, and I have been taken to court three times by creditors. Each time Federal Debt Relief said there was nothing they could do, even though I also purchased their legal services. My credit score has dropped by over 100 points, my debts are behind, but the company has charged me a myriad of fees. It has been a complete nightmare.
Consumer complaint received 2022-08-17
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-12-14
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. (AL)

I am submitting this without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE Please help me block and delete these inquiries and accounts immediately!
Consumer complaint received 2018-01-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (IL)

XXXX. In XX/XX/ I notice that someone had done several withdrawals from my checking account funds were missing I call to make a compliant spoke to XXXX from chase bank in XXXX then received a letter that no errors had occurred I request that my funds be restored ... thank you. Date XXXX ... XXXX XXXX XXXX
Consumer complaint received 2020-11-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (NY)

On XX/XX/2020 LVNV FUNDING LLC had someone pounding on my door like the cops when i answered the door the guy handed me papers saying I was being sued for a debt in the amount of {$5000.00} for an old XXXX account that I had. I asked him how they had a right to sue over an old debt that has been cleared off my credit report to which I was told XXXX  like you deserve what you get. This company has put the debt back onto my credit report claiming it is brand new debt to which it is not. I didn't sign for the paperwork he just forced me to take it. The original date of the filing was XXXX, we are in XXXX, I don't see how they have the right to do this.
Consumer complaint received 2023-04-10
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. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2020-11-09
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (PA)

I spoke with Navient employee and XXXX Supervisor MrXXXX XXXX and requested the debt be validated on XX/XX/2020. The Supervisor also agreed not to vaildate the debt. The debt letter sent to me with the account number XXXX is not valid and does not display a valid OMB number which is required to collect a debt under the paper reduction act. I also requested to cease and decease billing.
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In XX/XX/XXXX, I logged into my Capital One account to check when my promotional period was over for a promotion I had signed up for sometime in XX/XX/XXXX. No where in my account statement or in my online portal did I see a date for when the promotional period expired and therefore would start to charge interest on my account. Capital One previously advertised a promotional period of 15 months, so I went off of only that, which was only mentioned to me before I opened the account. I did not receive notice of when the promotion would end or given a specific date on any of my statements. Therefore, since I more or less knew the promotion would expire at the end of XXXX, I went ahead and scheduled a balance transfer to transfer my balance to another credit card and avoid interest. I have over 5 credit cards where I have participated in these promotions ( e.g., XXXX, XXXX XXXX, XXXX XXXX ) and each card has provided me this information on my account statements. Now, XX/XX/XXXX, I notice an interest charge on my account and call Capital One to see if they can waive it, given the fact that I've made all my payments on time since I opened the card, and multiple banks also give a one-time waiver for such miscommunication errors. Capital One did not offer any help and although they knew the date my promotion expired, they could not point me to a place on the account statement that showed when the promotional period expired. In comparing to all the bank accounts I've had for over 10 years and related credit cards, I have never seen a statement so misleading and deceptive. If this is happening to someone like me, who is a licensed attorney, I can not imagine how much money Capital One makes doing this to other loyal customers. Therefore, although the charge I am complaining about is only about {$25.00}, this is about much more than that : deceiving loyal customers.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion is violating my rights according to 15 U.S. Code 1681e ( b ) by continuing to report inaccurate, incomplete and unverifiable information to my credit report.Under the stipulations of 15 US Code 1681i ( 6 ) ( B ) ( iii ), it is mandated that consumer reporting agencies are required to furnish a written notification to a consumer ( in this case, myself ), upon request, detailing the methodology employed to verify the accuracy and completeness of the information on record.This includes providing the name and address of any information provider contacted during the verification process, along with their contact number.Over 30 days ago, I solicited documentation to substaintiate these accounts, yet I have received no such documentation.Without legitimate proof backing these accounts, it has no basis to be included in my credit report.Please DELETE these items immediately.I have attached the most recent credit report from TransUnion showing the inaccurate, incomplete and unverifiable accounts still reporting on my credit report.
Consumer complaint received 2023-04-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-10
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-04-23
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MD)

I filed chapter XXXX bankruptcy in XXXX it was discharged in XXXX. My car nor my mortgage were included in the bankruptcy. My payments to both have and continue to be in full and on time. Yet on my credit report it reflects included in bankruptcy and they are not reporting my payments so my credit is getting worse not better. 

Account Name Account Number Account Type XXXX - Bureau Account Designator Date Open High Limit Monthly Payment Account Balance Last Reported Account Status Amount Past Due XXXX Individual XX/XX/XXXX - - - XX/XX/XXXX INCLUDED IN BANKRUPTCY - Comments BANKRUPTCY CHAPTER XXXX, BANKRUPTCY DISCHARGED, FIXED RATE,
Consumer complaint received 2020-11-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

A company called Lonecare, LLC has sent me 2 letters demanding I send them documentation of supplemental tax payment. I have never entered into any contract or agreement with them to supply them any information on my loan status with XXXX, who I send my mortgage payment to. Lonecare is asking for information that was resolved on XX/XX/2020 by XXXX. If they have an agreement with XXXX, I would expect them to follow up with them. I will NOT be sending any information to them. By virtue of their own actions they are at least neglecant of handling my account information or anyone else 's. They should have knowledge that the issue was resolved from XXXX and XXXX should have already confirmed this with Lonecare with documentation they require.
Consumer complaint received 2018-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (FL)

In XX/XX/XXXX, I was forced to declare Chapter XXXX due to some extreme circumstances in my personal life. At the time, I had a Citibank card with a balance of {$20000.00} that was included in the bankruptcy. In XX/XX/XXXX, I had the Chapter XXXX bankruptcy dismissed. 

I contacted all the credit card companies I owed money to and negotiated a settlement amount with them directly. Citibank was the only creditor still showing my bankruptcy as " active '' for 8 months after the dismissal. I took me the next 8 months and many phone calls to finally resolve that. Finally in XX/XX/XXXX I was told by Citibank to contact XXXX XXXX XXXX XXXX XXXX to arrange a settlement amount. 

I did this and on XX/XX/XXXX I received an email from XXXX with the agreed upon settlement amount that we had discussed over the phone. I paid that amount, {$6100.00}, to XXXX XXXX XXXX on XX/XX/XXXX and have a receipt from them for that payment. 

Citibank is still showing on my XXXX credit report that I owe {$20000.00}. The payment has NEVER been accurately reflected on my XXXX  report. 

In XX/XX/XXXX, I submitted an online dispute to XXXX about this matter. On XX/XX/XXXX, I received a letter in response from XXXX stating that the Citibank information was " Verified as accurate ''. 

I had seen an increase in my XXXX credit score when the amount was paid to XXXX and at that time XXXX  was reporting that it was Paid/Charge Off with a XXXX balance. Within the past couple of weeks, I got an alert from XXXX that XXXX had reported negative information to them and now that Citbank account is showing up as " Charged Off '' with a balance of {$20000.00} on my XXXX   credit report. My XXXX credit score plummeted over 50 points because of this. 

This erroneous reporting of information has negatively affected my creditworthiness. 

I met with a mortgage lender back in XX/XX/XXXX and was planning to purchase a home in XX/XX/XXXX. This false reporting is causing great damage to me. I no longer qualify for a loan because of this. I will be unable to buy a home/obtain a mortgage because of this. I am unable to qualify for ANY credit because of this. I am requesting that this Citibank account be COMPLETELY removed from my report with ALL credit reporting agencies. 

If I am unable to have this request met by Citibank, I have been advised to seek out the help of an attorney that specializes in such matters and pursue damages. I am not a litigious person and would prefer not to do that if I can just get this resolved and get this off my credit once and for all. 

I am providing proof that this amount was paid to XXXX as per Citibank 's instructions.
Consumer complaint received 2018-04-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NC)

I am trying to make additional payments against the principal on my mortgage with Freedom Mortgage, the servicing company. This is a new mortgage ( XX/XX/XXXX ). I make the normal monthly payment directly to them via EFT from my bank. This monthly payment is for servicing the principal, interest and escrow. 

I tried to make an additional payment directly against the principal by sending a check. The check was notated to indicate I wanted it applied to the principal. I sent the check with a letter of explanation that the payment was for servicing the principal only. 

After Freedom Mortgage received the letter of explanation with the payment, they recorded it as " unapplied funds. '' Unapplied funds are held until there is enough to submit a regular payment to service the principal and interest. When I saw this on my statement, I called to request an explanation. 

I was told that in order to make a payment against the principal I would either have to use their web application and provide payment method information or call every time I sent a check and request verbally that the payment is to be applied to the principal only. The representative that relayed this information was XXXX, ID # XXXX. The date and time of the call was XX/XX/XXXX at XXXX. 

The online web application does not allow principal payments only. Rather you have to use their application to submit a principal payment together with the regular payment. To do so one must provide payment method information ( bank account, credit card, etc ). As I stated, I service the mortgage via EFT from my bank account. 

This business practice seems to intentionally make it difficult for a consumer to make a payment against the outstanding principal balance. This is evident in their web application intentionally omitting functionality that would allow a consumer to make a principal payment only. The other issue I have is that they do not openly disclose this, rather the consumer has to proactively engage the company to discover this practice. Because of not applying the amount to the principal as I instructed in writing, I incurred additional interest on an outstanding balance that should have been reduced by my payment. 

Is this behavior from freedom Mortgage compliant with the existing consumer protection laws?