davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc. (GA)

I had a loan with Consumer Portfolio Services for a XX/XX/XXXX XXXX XXXX. I lost my job and the car was repossed on XX/XX/XXXX. The car was sold at the auction for {$7700.00}, and the balance of {$7000.00} was applied to the balance of the car. 
It is showing on my credit report as I owe {$14000.00}, and that I am passed due {$6300.00}. I have called and was told that the payments continued to calculate even after the car was picked up and sold. I have asked that this be removed and that we work out a payment plan for the {$14000.00} and get no response
Consumer complaint received 2016-10-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (CO)

My mortgage is serviced by Caliber Home Loans. On dozens of occasions I have received email and mail marketing solicitations from their originations unit, encouraging me to refinance. On at least five occasions, I requested to be removed from their marketing list electronically, to no avail. I then called a representative and asked to be removed, again to no avail. Finally, in XX/XX/XXXX, I emailed XXXX XXXX, Caliber 's SVP of Strategic Growth whose signature graces every solicitation. I received a letter back on XX/XX/XXXX apologizing and confirming that I had been removed from the marketing list, and cautioning that I may receive one more mailing. Over the past few weeks, I have since received multiple additional letters in the mail. Today, I received a letter dated XX/XX/XXXX, weeks after I received written confirmation that these annoying letters would stop. 

My right to opt out is guaranteed by the Gramm-Leach-Bliley Act. Either Caliber 's process is unable to comply with my request, or they are willfully ignoring my request. Either way, it 's time the federal government knew about it.
Consumer complaint received 2021-06-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (OH)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2019-06-23
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BBVA FINANCIAL CORPORATION (CA)

Compass Bank in XXXX XXXX, CA has reported to all the major credit agencies that we have been delinquent on multiple occasions. The bank has admitted fault due to human error. Apparently, the funds were deposited into the incorrect accounts and automatic withdrawals could not be made, leading to late payments. Despite admitting these mistakes, the credit agencies have not been notified and my credit rating has been substantially impacted. Investigations are pending with all three agencies. The bank should be investigated for questionable standards and practices.
Consumer complaint received 2019-06-22
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. (AR)

I HAVE REQUESTED ON NUMEROUS OCCASIONS A PHYSICAL VERIFICATION OF THE ORGINALSIGNED CONSUMER CONTRACT. I HAVE DEALT WITH RUDE AGENTS AND BEING PLACED ON HOLD FOR INORDINATE AMOUNTS OF TIME. UNDER THE FCRA ACT SECTION 609 ( a ) ( 1 ) ( A ), YOUR .COMPANY IS REQUIRED BY FEDERAL LAW TO VERIFY THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT. I DEMANDED TO SEE A COPY OF THE ORIGINAL CONTRACT WITH A WET INK SIGNATURE ON IT. COPIES OF COPIES ARE NOT VALIDATION AND ARE NOT CONSIDERED PROOF THAT YOU HAVE ON FILE. UNDER THE FCRA LAWS UNVERIFIED INVALID ACCOUNT MUST BE REMOVED. XXXX, TRANSUNION, XXXX HAVE NOT GIVEN ME VALID PROOF AS INSTRUCTED. AS RESULT OF THIS CONTINUOUS REPORTING OF FRAUDUELT UNVERIFIED ACCOUNTS. THESE ACCOUNTS WERE OPEN BY A THIEF AND NOT ME.
Consumer complaint received 2018-10-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (SC)

I submitted dispute through credit bureaus and they advised the debt was not mine. Then I contacted company via telephone and advised them that the debt was not mine and they advised me to file a police report, verified my address and updated it in there files. Not sure how to file a report on something dated XX/XX/XXXX,XX/XX/XXXX. Then I sent two validation letters to the company requesting validation of debt, one XX/XX/XXXX, one XX/XX/XXXX and I received account summary report which is not validation/proof that I obtained the debt.
Consumer complaint received 2018-02-22
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: Experian Information Solutions Inc. (CA)

I am writing this letter in regards to my account listed above which has been closed for the last 7 months and wanted you to please review and see if it is possible to remove my final payment as a late payment. I understand that i was at fault and am asking you to please review my account as i was in good standing throughout the term of this loan process. I know i made a mistake and processed my final payment a few day after the required date but this was an honest mistake as i was paying early on my loan and thought i had time to pay. I tried to pay early and more than what was expected each month to bring my payments down as well. I was wrong and need you to please consider removing my final payment as a late payment. I hope that you would understand and try to help me out as i am really desperate and need your assistance. 
Thanks in advance for you help
Consumer complaint received 2017-05-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC. (FL)

My checking account with Sun trust Bank went overdraft due to a payment I made to a collection company, I only had available {$77.00} when the {$100.00} payment was withdraw from the account creating an overdraft. Ad ditionally, the bank charged me a {$36.00} overdraft fee for an automatic insurance added by them and  XXXX .. for being extended overdraft. I 'm supposed to deposit {$180.00} for overdraft of which {$140.00} are fees. I called the customer service line, and they declined to make the adjustments even though the valid amount of money I am overdraft is less than  XXXX .. Needless to say, {$140.00} overdraft fees in a week is detriment to the consumer and if do n't have the {$180.00} to deposit now they told me I was going to continue to receive a {$36.00} every 4 days until I covered the overdraft amount. How do you allow a bank to charge those excessive fee 's. I am trying to pay my bill, s to catch up and this crazy overdraft fee policies will impede me from paying, or even buying food for me and my family. I understand I went over for not checking the available balance but a {$140.00} for having less than {$50.00} dollars in my checking account is outrageous.
Consumer complaint received 2023-06-24
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/XXXX I submitted a dispute to equifax confirmation # XXXX to remove my consumer statement of XX/XX/XXXX the statement is misleading the creditors are not on my credit and to update XXXX XXXX account information, last update XX/XX/XXXX. sent statements to show payments on account each payment was paid and not reported on equifax.equifax removed score points from my credit score.Iam reporting XXXX XXXX for not clearing up this matter this was agreed on my account when open.both never replied back I give c.f.p.b. my permission to pull my equifax credit report.all document in this conplaint copies sent to c.f.p.b. by certified mail
Consumer complaint received 2018-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Debt Recovery Solutions, LLC (TX)

XXXX and XXXX are showing a derogatory item on my credit reports that was removed from my credit report in XXXX. Debt Recovery Solutions is now adding this item as a new debt in XXXX. This is a violation of the Fair Credit Reporting Act. 

I am demanding with this account be removed and receipt of punitive damages, as this is hurting my credit score and causing me time to re-dispute items that have already been removed from my credit report.
Consumer complaint received 2018-01-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (LA)

I 've been trying to submit complaints to the credit bureaus. For some reason or another i have n't been too successful. I 'm not sure what the problem is but it is causing me major stress constantly trying to submit the same complaints and getting no responses. So again -XXXX XXXX XXXX I have NEVER done business with this company. Clearly they have made a mistake. I do not owe this debt they claim i owe. 

XXXX XXXX - # XXXX, # XXXX, # XXXX I have never done buisness with this company. I have NEVER given this company access to my personal medical information. Under the HIPPA law my medical records are protected. Please remove these accounts. 

-XXXX XXXX # XXXX I have NEVER done business with this company. Clearly they have made a mistake. 

-XXXX XXXX # XXXX I have NEVER done business with this company nor have i been contacted about this debt. Clearly they have made a mistake. 

-XXXX XXXX XXXX XXXX I 've contacted this company requesting debt validation. They did not respond. I 'm not sure how they can VERIFY something to the credit bureaus but not to me. Who did you speak to about this debt? Can you tell me the date and time you spoke with them also? If not please remove. 

XXXX XXXX XXXX XXXX XXXX This account is inaccurate. I do n't recall having an account with XXXX XXXX. Please remove. 

XXXX XXXX XXXX # XXXX I 've reached out to this company and they sent me some computer generated letter. I 'm not sure how that can substain as debt validation that i requested. Since this company could n't properly furnish me with the requested documentation in a timely manner it should be removed ASAP!!!
Consumer complaint received 2018-01-13
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. (CA)

I received notice from a credit monitoring product that I had an hard inquiry today X/XX/18 on my Trans union credit report. I did not request that any XXXX XXXX companies run my credit.
Consumer complaint received 2019-10-09
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. (CA)

after multiple disputes, at least XXXX, Equifax and their client XXXX XXXX acct. no. XXXX refuse to correct or delete reporting specific inaccurate information on this account. 
this installment loan is reporting 0 for term duration. {$0.00} for the actual monthly payment amount ; {$0.00} for the scheduled payment amount.this account update verification was six days ago on XXXX AND XXXX XXXX OPPRESSIVE BEHAVIOR REGARDING THE BASIC TENETS OF THE FAIR CREDIT REPORTING ACT. 
EQUIFAX IN ADDITION HAS SENT 3 LETTERS saying they refuse to investigate this account which any CFPB credit investigator can see is inaccurate on the face of the record. 
EQUIFAX SHOULD BE PROSECUTED BY THE CFPB AND BOTH XXXX AND EQUIFAX SHOULD FACE THE STATUTORY CIVIL LIABILITY FOR REFUSING TO OBEY THE FCRA AND THERFOR DAMAGE ME.
Consumer complaint received 2021-06-11
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: NAVY FEDERAL CREDIT UNION (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2018-11-18
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: Screening Reports Inc. (AR)

XXXX ONCE AGAIN IS BIAS AND SHOW FAVORITISM WITH INVALIDATED COLLECTION AGENCIES. DELETE THESE ITEMS OR BE SUED IN CLASS ACTION AGAINST XXXX, SCREENING REPORTS AND XXXX XXXX XXXX.
Consumer complaint received 2024-03-29
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

XX/XX/2023 bought about {$500.00} worth of perfumes on Macys credit card which was issued at the store in order to receive 20 % discount, Unknown to all they had an old mailing address and bills were sent there regardless of my requests to change it. It was finally changed and I paid the balance of the merchandise in full when I received the actual bill. They keep adding fees and late charges which is the current {$110.00} charge regardless of numerous letters to them that the late payment was not my fault. I refuse to pay it and refuse to buy anything from Macys ever if this is not rectified immediately. I have a perfect credit score and always pay my bills on time.
Consumer complaint received 2023-01-18
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: Experian Information Solutions Inc. (NJ)

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be updated or deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected immediately : XXXXXXXX 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
Consumer complaint received 2023-04-29
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: Experian Information Solutions Inc. (LA)

See attached Docs stating late payments on accounts that I've never been late on. Remove these late payments from my consumer report as this a violaton of my consumer rights under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. Also Under 15 U.S. Code 1666B states a creditor may not treat a payment on a credit card account under an open consumer credit plan as late FOR ANY PURPOSE. The law is very clear as it pertains to my consumer rights.
Consumer complaint received 2019-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One is showing a 30 day late in XX/XX/2017. I've contacted Capital One via email ( to executives ) and phone ( Executive Resolutions Department twice ) several times. Capital one is acting unreasonable by not deleting the one 30 day late ( it is my only late ever from both of my Capital One cards over the past three years ). 

I am not allowed to purchase a home in Virginia for my family due to this one 30-day late payment. 

Please help me resolve this issue with Capital One so I can purchase a home. 

Thank you.
Consumer complaint received 2023-01-18
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Maximus Federal Services, Inc. (MO)

Aidvantage is in breach of my constitutional and federally protected consumer rights pursuant CFR Part 1006.18 ( b ) ( 2 ) ( i ) which states " ( 2 ) A debt collector must not falsely represent : ( i ) The character, amount, or legal status of any debt. '' Consumer believes the alleged debt is beyond the Missouri legal statute of limitations and unlawful pursuant to the 1787 Constitution for the United States of America article 1 section 10 states " No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; '' Pursuant to CFR 1026.23 Aidvantage has no verified legally binding interest.
Consumer complaint received 2019-06-22
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)

In reference to complaint XXXX-XXXX, the company response, dated XX/XX/2019, stated : " XXXX/Dept. of Ed deleted the first date of delinquency of XX/XX/2019, updated the current balance to reflect {$14000.00} and deleted the instances of the account being 90 days late and change the payment due amount to {$120.00}. '' However, The TransUnion Investigation Results dated XX/XX/19, which I received via USPS on XX/XX/19, still shows a 90 day delinquency on my XXXX account as of XX/XX/2019.
Consumer complaint received 2022-12-14
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)

THE BUREAUS KEEP MARKING THE STUDENT LOANS AND OTHER ACCOUNTS AS VERIFIED AS ACCURATE BUT CAN NEVER SHARE THEIR FINDINGS. I BELIEVE THEY KEEP MARKING IT WITHOUT GIVING ME A PROPER INVESTIGATION. 

In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 1. XXXX XXXX OF XXXX XXXX XXXX {$7600.00} XXXX. XXXX XXXX OF XXXX XXXX XXXX {$4300.00} XXXX. XXXX XXXX OF XXXX XXXX XXXX {$3600.00} XXXX. XXXX XXXX OF XXXX XXXX XXXX {$5300.00} XXXX. XXXX XXXX OF XXXX XXXX XXXX {$4000.00} XXXX. XXXX XXXX OF XXXX XXXX XXXX {$9300.00} XXXX. XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Secllan 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ).

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute.

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

Please reply within 15 days or delete the negative items, as originally requested.
Consumer complaint received 2021-06-11
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. (AR)

Over the past several months I've been in contact with XXXX, Equifax, and XXXX  in regards to a medical collection account reporting under the name of XXXX XXXX  located in massachusettes. This account has been reporting inaccurately due to idenity fraud and or theft. This account has never belonged to me nor have I ever received any medical treatment on during the times the account claims to have been opened. Also I am aware of the Health Insurance Portability and Accountability Act of 1996 in regards of protection and confidential handling of protected health information. In additon, this account has previously been removed from XXXX  and XXXX  reporting consumer reporting agencies.
Consumer complaint received 2018-11-18
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: Rent Recover, LLC (AR)

XXXX ONCE AGAIN IS BIAS AND SHOW FAVORITISM WITH INVALIDATED COLLECTION AGENCIES. DELETE THESE ITEMS OR BE SUED IN CLASS ACTION AGAINST XXXX, XXXX XXXX   AND RENT RECOVER LLC.