davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions (TX)

I received a letter in the mail dated XX/XX/XXXX from Rent Recovery Solutions Llc stating I owed a debt to an apartment complex XXXX XXXX where I previously lived XX/XX/XXXX. This was the second company contacting me about this debt. The first company sent a letter on XX/XX/XXXX. My attorney called Rent Recovery Solutions to verify what was being collected. The operations manager forwarded a few documents which show to be doctored or fraudulently produced due to my attorney and myself already having the original documents that were sent to us by the original collection company. Also, we verified that Rent Recovery Solutions llc was hired by XXXX XXXX. We explained to them that the debt they were trying to collect on was paid to XXXX XXXX XX/XX/XXXX by XXXX ( XXXX XXXX ) the insurance company and this account has to be recalled ( cancelled ) and further collection is considered fraud. We have made several attempts to reach the operations manager to verify collection on this paid debt has ceased but she has not returned any calls nor has she stopped collection activity. Also, XXXX XXXX did not notify me about anything owed. The first notice I received was from the first collection company XX/XX/XXXX. According to the property code of Tx an itemized notice of debt owed should be sent within 30 days. No such notice was received. A walkthrough was done with the office manager and she declared everything was fine. The Apartment complex submitted a fraudelent claim to the insurance company XXXX and was paid. 
Moved out : XX/XX/XXXX Claim submitted : XX/XX/XXXX Claim Paid : XX/XX/XXXX Insurance Collection : XX/XX/XXXX XXXX XXXX fraudelent debt to RRS llc : XX/XX/XXXX Notice sent XX/XX/XXXX.
Consumer complaint received 2022-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Hello my name is XXXX XXXX, I am writing to delete/remove the following information in my file. The items I need deleted/removed are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted/removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete/remove the items as soon as possible.

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2018-06-27
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 (WI)

My Capital One Card was charged various times by XXXX XXXX XXXX, the payments were placed on hold by Capital One then released and not shown in my available balance. My account was closed. Capital claims that too many returned payments was the reason why. I checked my statements and no payments were returned returned. In fact XXXX Bank confirmed that Capital One returned my electronic payments for {$170.00} and {$90.00}. I spoke with XXXX, a capital one rep, today with a Rep from XXXX on the phone. She confirmed that Capital One had my money on hold for the rental but couldn't explain why my balance was so high. The rep with XXXX confirmed that payments that Capital One received payments from me. My balance is reflecting a positive balance and not a negative one. You call there and get unprofessional agents that aren't based in the united states. XXXX stole money from me and fraudulently closed my account. When I tried to tell them my balance was wrong, instead of admitting that I was right they refunded my money and closed my account. I want my money that they stole from me. I want them to provide proof of returned payments. I have proof no payments they received from me weren't returned. Please listen to all phone conversations from XX/XX/XXXX until XX/XX/XXXX.
Consumer complaint received 2022-01-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-02-11
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. (TX)

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion report . This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2015-04-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NC)

I fell behind on my mortgage by XXXX payments last year and into this. Late last month I called Wells Fargo and agreed to make XXXX payments in bulk, which they accepted. At the time, Wells Fargo wanted to schedule automatic debits to cover XXXX, 2015 and XXXX, 2015 to which I agreed. However, Wells Fargo does not have my bank in their XXXX database and therefore lacks the system functionality to schedule those debits. To which I agreed to make the remaining payments through my online bill pay by XXXX XXXX, 2015 as demanded. 
However, since that time I have been called XXXX daily by Wells Fargo Collections demanding that I schedule automatic debits to bring the loan current. I have explained to the callers at least XXXX times the agreement I have with them to bring the payments current. I have also explained to these callers Wells Fargo lacks the capability to execute the transactions through their own system limitations. Their regular suggestion that I am lying about my intentions is insulting. 
I want to bring my payments current and have done everything in my power to do so. The loan will be current by XXXX/XXXX/15 as promised. And I do appreciate the consideration I have received relative to bringing the account current. But I do n't think I should be subjected to harrasing phone calls because Wells Fargo lacks the capability to do what they are demanding I submit to, and that they can not communicate with themselves. All they need to do is listen to the records of my calls with them.
Consumer complaint received 2022-10-07
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX  XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX  XXXX Reference XXXX
Consumer complaint received 2018-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been a VICTIM of Trans-Union Inquiry Issue. I tried to talk to the Customer Service and the representative refused to take care of the negative inquires reporting to my credit report.
Consumer complaint received 2024-05-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank had forcibly closed my small business account for my business ( XXXX XXXX XXXX XXXX ) account number ending in XXXX. It had been giving me a run around for getting a check mailed to me for the balance for the last 3 months. 

I called their regular customer service, escalated and talked with customer escalation, and visited a branch where they made me spend XXXX hours while they try to figure out what could be done. It has been 3 months and I didn't receive my funds. Frustrated, I finally filed a complaint with XXXX. It has been more than 3 months and I haven't received my funds. 

I finally received a letter dated XX/XX/XXXX, from XXXX XXXX XXXX asking to call XXXX XXXX XXXX at XXXX, and provide them with a substitute mailing address for the check. 

when I called them earlier today and provided them with the new address, I was told I will need to sign an affidavit and get it notarized to get a check for my closing account balance!!! as far as I'm concerned, the check was never mailed in the first place so I do not understand why I need to file an affidavit and spent more time and money. 

it has already been XXXX months and doesn't look like bank has any intention of giving my money back. please help/
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (IL)

I Have Freezes On My Credit Report And So Many Different types of people And Places Looking Up My Credit Reports And Every Time I Applie For Any Type Of Credit Whether It Be Credit For A Car A Credit Card A Mortgage Its Got So Bad That I Can't Even Request Some Of My Own Credit Reports And To Of My Reports Say I Don't Have A SSN And The Other One Says I'm Dead I'm And It Makes No sense Because I'm Pretty Sure My Phone Calls Are Be Redirect I Can't Be Identified And When They Do Pull Up My Reports I'm Pretty Sure I'm Be discriminated against Because It Says On One Of My Reports That I Requested A Summary Be Put Up About Me That I Have A XXXX So Now The Cards That I Did Have Got Close By Grantor I Have Been Trying To Get A Home But There Pulling My Reports And Saying It Cant Be Optain I Feel Like I Stuck In A War Zone I Can't Get A Single Soul To Help Me When I Know Its So Much I'm Entitled To But I'm Tired Of This I'm A XXXX Year Old Man  Living With My Mom With No Car No money no Credit And No One 's Even Giving Me A Chance. Not Even The SSI Payments I Been Waiting A Year To Get The And The Judge That I Have A Civil Suit With Have Not One Time Set A Court Date The Case Is Just Sitting When My Human Rights Was Violated Its Got To The Point I Honestly Feel Like I Have Not A Hand To Be Giving No Matter How Many Phone Calls I Make How Much Time I Spend Trying To Do Everything the right Way This Life Thing Is Seriously Just Getting Harder And Harder With No Help Because I'm A Individual Nobody
Consumer complaint received 2015-03-29
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (MI)

I am working with XXXX XXXX I was told to pay wells Fargo for an appraisal for my lot, it was appraised at XXXX. I signed documents to sell half of it and negotiated XXXX but in order to get the split approved to sell half of my lot Wells Fargo said FHA WANTS all of the XXXX to split the lot. 

Why? in most cases I was informed that XXXX was the pay-down requirement. why is wells Fargo saying FHA demands 100 % of the proceeds to pay-down the mortgage. I understood that XXXX to was the normal pay-down I believe that only 10k should be required as a pay-down since the lot is only valued at 10k and I should be allowed to keep the rest and pay off my personal debt or I will have to foreclose my entire property. 

I need to get FHA to approve the lot split of {$10000.00} not the entire sell or I will only sell it for XXXX because I believe this is a form of discrimination. I have had major difficulty paying my mortgage and I need to pay off debt that is independent of my mortgage, if I am not able to pay off other personal debt and all of the proceeds need to go to the mortgage I will continue to have this other independent debt. 

I have a XXXX student loan I need to pay it off and not just put all the proceeds in XXXX bucket. Who can help me fight this with FHA. 

Paying the mortgage down is unfair if I am required to use the entire proceed. I have recently requested a modification and if I am able to keep 50 % of the proceeds then I can pay my mortgage and the student loan and other debt and still pay down XXXX of the loan. I believe {$10000.00} is fair. 

For FHA to demand the entire amount is UNFAIR AND UNJUSTIFIABLE when compared to the APPRAISAL AND THEREFORE I FIND IT DISCRIMINATORY. 

XXXX told me I can file a complaint. Where do I file this complaint and what is the process? 

{$270000.00} mortgage limits in Michigan FHA
Consumer complaint received 2022-08-28
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: Experian Information Solutions Inc. (GA)

Ive reached out to request that the inquiries that I am unaware of listed in the attachment for the dates that follow. ive reached out and requested that My report relefcts the correct information to reflect accurately. In accordance with the Fair Credit Reporting 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 602 A section 2 : It also states consumer reporting agency can not furnish an account without my written instructions XX/XX/2022 : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX of inquiry XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX of inquiry XX/XX/2022 XX/XX/2XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, MI XXXX XXXX of inquiry XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX Date XXXX XXXX XX/XX/2022
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I Have Freezes On My Credit Report And So Many Different types of people And Places Looking Up My Credit Reports And Every Time I Applie For Any Type Of Credit Whether It Be Credit For A Car A Credit Card A Mortgage Its Got So Bad That I Can't Even Request Some Of My Own Credit Reports And To Of My Reports Say I Don't Have A SSN And The Other One Says I'm Dead I'm And It Makes No sense Because I'm Pretty Sure My Phone Calls Are Be Redirect I Can't Be Identified And When They Do Pull Up My Reports I'm Pretty Sure I'm Be discriminated against Because It Says On One Of My Reports That I Requested A Summary Be Put Up About Me That I Have A XXXX So Now The Cards That I Did Have Got Close By Grantor I Have Been Trying To Get A Home But There Pulling My Reports And Saying It Cant Be Optain I Feel Like I Stuck In A XXXX XXXX I Can't Get A Single Soul To Help Me When I Know Its So Much I'm Entitled To But I'm Tired Of This I'm A XXXX Year Old Man Living With My Mom With No Car No money no Credit And No One 's Even Giving Me A Chance. Not Even The SSI Payments I Been Waiting A Year To Get The And The Judge That I Have A Civil Suit With Have Not One Time Set A Court Date The Case Is Just Sitting When My Human Rights Was Violated Its Got To The Point I Honestly Feel Like I Have Not A Hand To Be Giving No Matter How Many Phone Calls I Make How Much Time I Spend Trying To Do Everything the right Way This Life Thing Is Seriously Just Getting Harder And Harder With No Help Because I'm A Individual Nobody
Consumer complaint received 2020-02-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

*Judgement filed in New Jersey Filing Date XX/XX/XXXX Amount {$2900.00} Case # XXXX Status Updates May Be Present Elsewhere In This Report ; Check The Court For The Current Status Court NJ XXXX * Filing Date XX/XX/XXXX Amount {$2900.00} Case # XXXX Status Updates May Be Present Elsewhere In This Report ; Check The Court For The Current Status Court NJ XXXX *Filing Date XX/XX/XXXX Amount {$3200.00} Case # XXXX Status Updates May Be  Present Elsewhere In This Report ; Check The Court For The Current Status Court NJ XXXX *Filing Date XX/XX/XXXX Amount {$830.00} Case # XXXX Status Updates May Be Present Elsewhere In This Report ; Check The Court For The Current Status Court NJ XXXX *Filing Date XX/XX/XXXX Amount {$1400.00} Case # XXXX Status Updates May Be Present Elsewhere In This Report ; Check The Court For The Current Status Court NJ XXXX Im in the process of re-establishing my credit. I havent had any activity on my credit report since XX/XX/XXXX. I wanted to verify any information associated with my make credit to make sure there arent any judgements associated with my social security number. I noticed multiple judgements were issued to me supposedly back in XX/XX/XXXX. I was never issued a subpoena to appear in court because I no longer living on that address for years. I heard about the judgement when I was issued a wage garnishment ny my employer. ( XXXX ) I contacted the court clerk to inquire about the debt but I was given very little to no information in return.
Consumer complaint received 2020-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (CO)

I woke up Monday the XX/XX/XXXX, the day my direct deposit was supposed to post to my account, to find that my American Express Bluebird card was no where to be found. I didn't think much of it at first, thinking I must've misplaced it and went on about my business. As the day progressed and after a couple of hours searching for it, it didn't turn up. At this time I thought it would be a good idea to check my account with the app that is available for this card. I was shocked to see 4 transactions for withdrawls of a total of XXXX dollars in addition to fees imposed by American Express for the atm transactions. I immediately started the process of canceling the card and ordering a new one in the app. Once that was done I spent a couple of hours trying to figure out who could've stolen my card and gotten my pin. Having no luck with that I decided to call American Express to see if they could help. They informed me that they would begin an I investigation as soon as I returned a signed copy of a document called a " Declaration of fraud " to their fraud dept. I did so as soon as I was able and returned the document via their upload link on Friday the XX/XX/XXXX. They informed me that I had returned the document within the proper amount of time since I had until the XX/XX/XXXX to do so. On Monday the XX/XX/XXXX I called the fraud dept. That afternoon to check on the status. They informed me that they had completed the investigation and denied approving provisional funding to my account because they had determined that the transactions were authorized. I'm absolutely furious that they feel they can make a conclusion like that while I desperately need the money that was stolen from me to pay my rent. I asked that the issue be escalated but after asking for and getting a supervisor on the phone, all they were willing to do is reopen the investigation at this time. Please help me with this issue as I don't know how long I can talk the person whom I pay rent to, into letting me stay while this issue goes unresolved. Thank you.
Consumer complaint received 2018-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One Auto Financing is currently reporting a balance of {$11000.00} on a car that was repossessed years ago. The account was charged off. Therefore, the balance should be {$0.00} not {$11000.00}. 

The incorrect balance is negatively affecting my credit score as it shows a false balance of {$11000.00} in addition to the charge off and repossession.