davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CO)

I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in ; they've also never provided written proof of my signature authorizing these inquriries! On XX/XX/XXXX I decided to give the bureaus another chance and sent another letter to each of them, demanding they delete the inquiries that I did not authorize. Today is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2021-09-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC (PA)

GS services has committed perjury through mail. They have tried to collect an ALLEDGED debt from me and in doing so they claim that XXXX is the ORIGINAL CREDITOR. This is a false representation of a consumer transaction and they are using this lie to try and get me to pay a debt that is not mine and which I do not validate. In any consumer transaction the CONSUMER is the original creditor because they extend their credit and this is defined more in the TRUTH IN LENDING ACT. GS services knows this and decided to lie to collect money from me. They also violated FDCPA law 15 U.S. Code 1692b - Acquisition of location information : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; They sent me mail stating that I owe a debt which is against the law for them to do so. I have attached both pieces of mail, one of them falsely stating that I am not the original creditor and the other of them saying I owe a debt. I demand for this collection to be removed from all of my consumer reports and I demand monetary remedy for violating my consumer rights.
Consumer complaint received 2020-04-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources (NC)

Recently, Firstpoint Collections reported eleven separate medical collections on my credit report. Prior to their appearance, I was not provided with a 30-day notice of my right to dispute. By reporting these collections without giving me the chance to contest them, is a violation of my rights. Additionally, I was requested a verification of debt on each of the eleven collection accounts from Firstpoint Collections. The requests were made by phone and by postal-mail over 30 days ago. Requests for those verifications have also gone ignored, which is also a violation of my rights.
Consumer complaint received 2021-09-01
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. (MO)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2020-04-30
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: Experian Information Solutions Inc. (AL)

In XXXX of 2020 I filed a dispute with the three credit bureau ( XXXX, Experian, and XXXX  ) about an account that was reporting inaccurately on my credit report which was XXXX XXXX  account number XXXX XXX. I asked for methods of Investigation from all three credit bureaus and received nothing from them. But XXXX  removed this inaccurate account on my credit report which was correct to do according to the FCRA. But XXXX  and Experian did not send me any method of Investigation nor any reason why they were leaving it on my account. Which leads me to believe that there was not a full investigation.i sent another dispute in XX/XX/2020 about this account and it came back verified. How is it that XXXX  removed it because of the inaccuracies which is correct according to the Fair Credit Reporting Act, but Experian and XXXX  Deemed this accurate. I'm asking that they remove this account immediately According to the rules of the Fair Credit Reporting
Consumer complaint received 2018-02-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (CO)

XXXX XXXX Please provide me with a contract and my hand written signature showing that I owe you for this debt. If I owe this debt it is with XXXX and not you guys. I demand you to remove this from my credit report or show me a binding contract between you and me with my hand written signature that I have any obligation of paying you for the debt. I also want a hand written signature from XXXX showing that I owe them this debt. If this can't be provided I expect this to be removed from my credit report with in 30 days. A photocopy of a contract will not be substantial evidence as I need the original contract to prove that this debt is mine.
Consumer complaint received 2021-10-05
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. (PA)

I have been having issues with these people for a long time. I own my first home cash and I have a good amount of money saved up. I currently make XXXX dollars per year. I have been having you call them for a long time to avoid a lawsuit but they just did the same thing again. I need to go to XXXX for a job and I want to keep the same quality if life I have.
Consumer complaint received 2021-10-05
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. (GA)

For about 36 months, there was an incorrect reporting of a XXXX XXXX account of mine on my credit report. I had consistently attempted to have this information corrected. Each time I filed a complaint, the credit reporting agencies appeared to have sided with XXXX XXXX. After I filed a complaint against XXXX XXXX through the CFPB, the response received from XXXX XXXX response seems to to blame the credit reporting agencies for the incorrect reporting of my XXXX XXXX account. This inaccurate reporting of my XXXX XXXX account caused great harm to my credit score. This is part of the the statement from XXXX XXXX in their response to me on or about XX/XX/XXXX before their credit collector sued me in court and as such, caused me even more financial harm : " We have received multiple electronic disputes from you through the e-OSCAR electronic dispute portal. e-OSCAR is a web-based system that allows credit reporting agencies to respond to disputes. Data furnishers help the credit reporting agencies respond to disputes that are submitted through e-OSCAR. As a data furnisher, XXXX provided responses to each of your disputes directly to the credit reporting agencies through e-OSCAR. Upon receipt of your complaint, we completed another review of the account information displayed in your credit file for account XXXX found that updates are still required at XXXX, where the high credit/original amount and the charge-off amount are missing, and the payment history still does not match our system of record. At TransUnion, this account is reflecting an incorrect closed date, which should be XX/XX/XXXX, the date of sale. At XXXX, the payment history still shows no data for XXXX & XXXX XXXX, we have requested that XXXX, TransUnion and XXXX make those updates. As a courtesy, XXXX will remove the information on account XXXX. Please allow 30-45 days for the updates and the removal of account XXXX to reflect in reporting ''.
Consumer complaint received 2020-10-19
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. (WA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$170.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$170.00} -This is not my account.
Consumer complaint received 2020-04-29
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. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2018-06-19
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 consistently called these companies during the month of XX/XX/XXXX : XXXX XXXX XXXX Inquiry Date- XX/XX/XXXX XXXX XXXX XXXX Inquiry Date- XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date- XX/XX/XXXX Creditor Name : XXXX/XXXX XXXX   Inquiry Date- XX/XX/XXXX After being ignored by these companies I reached out to Transunion XX/XX/XXXX to have the incorrect information removed from my credit report. 
Transunion has failed to respond to my dispute letter sent on XX/XX/XXXX within 30 days. I have enclosed a copy of the return receipt which Transunion received on XX/XX/XXXX at XXXX. ( Tracking Number :  XXXX ) It appears that my rights have been violated according to the FCRA.
Consumer complaint received 2023-07-25
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Neighborhood Capital Funding, Inc. (FL)

When my home owners insurance went up so did the mortgage. I live on a fixed income, which is SSI money check for {$910.00}. I live alone even though the house is also in my ex wife 's name also. Even though I had to borrow money to pay {$3400.00} that I did not have to pay ahead of time and payed them that money so that they can stop harassing me all the the time, they still did harass me. I thought that with this money I would get them off my back and that I would it would help for me to fix the house. They are not budging and still making me pay more of the mortgage and it's default me because of this. I can not pay them aby more than I have to plus pay my lender of the {$3400.00} back at the same time. I was bot obligated to pay that much ahead of time only did so so that I can pay less by just paying the principal and made a big mistake by giving these people the money ahead of time.
Consumer complaint received 2021-10-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have been a capital one customer for many years. from XX/XX/XXXX through XX/XX/XXXX, I had serious medical issues and was incapable physically of paying my credit card on time. I was in a serious medical crisis in XXXX. I reached out to capital one repeatedly asking for XXXX XXXX with the hopes of removing some of the late payments that appear on my credit reports. I've sent letters, made repeated phone calls, to no avail. I have paid off my credit card debt but the late fees are wrecking havoc on my credit scores. 

I have now been told that Capital One is unable to help resolve any of the late fees because it has been more than six months. 

I have a stable track record of payments up until the time of my near death illness and subsequent recovery. 

I've sent registered letters, I've made phone calls.
Consumer complaint received 2021-02-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates (MD)

I sent a certified letter to LJ Ross on XX/XX/XXXX request validation of a debt they have listed on my credit report. LJ Ross received the letter on XX/XX/XXXX. To this day, I have not received any information validating the debt, and they continue debt collection practices by reporting it on my credit. According to what I read on the CFPB 's website, they should not be reporting anything that they have not validated. Also, it has been longer than 30 days since I requested proof of the debt. I have not received anything. 

This has been very damaging to my credibility and has limited my ability to obtain better financing a terms with other companies. Please investigate to have this information removed and collection actions stopped.
Consumer complaint received 2018-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Diversified Consultants. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
Consumer complaint received 2018-06-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TCF FINANCIAL CORPORATION (MI)

I called to apply for a home mortgage with XXXX XXXX XXXX XXXX mortgage loan officer. i was promised the mortgage over the phone but further interaction proved futile in an attempt to get even a pre approval for a home mortgage. i finally began and finalized a mortgage with another company. very poor service.
Consumer complaint received 2018-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Lock Card function feature do not work as they advertise on their website : " No one can use a card while it is locked, including you. You can turn it back on anytime- When you lock your card, it will instantly prevent new charges on this card. 
All of these charges will be declined : In-store, Online, In-app & Phone Purchases. 
Any cards with the same card number will also be locked '' I made booking reservation with XXXX XXXX XXXX on my trip to XXXX XXXX. When I arrive in XXXX XXXX on XX/XX/, the taxi took me to the wrong XXXX XXXX XXXX. I had a dispute with them. They insisted on charge me one night for no show ( {$110.00} ). So I made an oversea call back to Capital one credit card to lock up my card so that the disputed charge could not go through. When I came back to USA on XXXX, I checked my account website and credit card was still locked. So I locked it up again. 
A couple days later, to my surprise, the disputed charge of {$110.00} went through and charged my credit card. I immediately called the credit card company to complain about this unlocked charge.
Consumer complaint received 2020-10-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lending Club Corp (MD)

I already have made a complaint, on XX/XX/XXXX, against two different Ceditors, Lending Club ( Original ) and XXXX XXXX XXXX ( Current Creditor ). 
The Complaint number, # XXXX. 
You have requested a Feedback on XX/XX/XXXX. 
Feedback was due on XX/XX/XXXX. 
I am sorry and appologize for being unable to make any feed back. 
I have another Threaten made by a Debt collector, " XXXX XXXX XXXX ", who made telephone calls, from # XXXX XXXX, on XX/XX/XXXX and XX/XX/XXXX. I contacted them and explined the Fraudulant account history and my Financial Hardship. 
Tehn, I received another letter from the same debt collector, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX., XXXX. OH XXXX. XXXX XXXX. 

I aleady have submitted the necessary information and documents, against this Faudulant transactions. I do hereby dispute this Credit Balance of {$5000.00}. 
The original creditor has misused my monthly payments made in XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2018-06-19
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CLX Systems/ Westwood Management (TX)

I was attempted to be contacted by a person posing as a process server from a spoofed local area number ( not a working number when called back ) stating that they couldnt contact me so they were going to call my place of employment and supervisor as means to get ahold of me stating there was a location order out for me. They also contacted a friend and family member of mine stating that they were looking for me to serve a subpoena. The RECORDED message on my phone stated that I could stop any legal action by contacting your office at XXXX. 
There is no subpoena on record with the local court in XXXX County and no order of location out for me either ( last I checked those are issued in family court on child custody cases ).
Consumer complaint received 2018-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NC)

I opened a PayPal Extras Mastercard backed by XXXX XXXX   on XX/XX/2017 and pay off the balance every single month prior to the statement closing date but every month, they still assess an interest charge. When I call, I have to be rerouted from a foreign call center to a live person in the United States which takes approx. 10 min. If I reach a person who is more combative than helpful, the call is terminated or escalated and the problem is resolved no less than 1 1/2 - 2 hours later. Each representative that I speak to has a different explanation for why the interest in being assessed on the account. The interest charge has been reversed each month on both mine and my husband 's credit card account but only for our effort. One statement charged interest on a {$1500.00} balance and my balance was never that high so it appears that they are inflating the balance to charge more interest. I reported the problem to PayPal, as well, since they are the owners of the name.
Consumer complaint received 2020-10-18
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. (MO)

I have some inquiries listed on my credit reports that was not authorized by me. I never agreed with the listed companies to obtain any information to my credit profile. 

XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2018-06-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Massachusetts Educational Financing Authority (MA)

After a Leave of Absence ( LoA ) for one semester I am in the process of being re-enrolled for the Summer and am already enrolled for the Fall semester. For some reason XXXX, my loan service through MEFA, is trying to get me to start paying my student loans starting this summer. This is despite the fact that I still have about two more years of school left to complete. I have contacted XXXX and attempted to correct this numerous times but no progress has been made. I had my registrar at my college fax in my enrollment history including next Fall, but I received a letter ( from MEFA ) saying that my loan deferment was declined, supposedly because the documents they received were " illegible ''. XXXX has said that I need to be in classes again by XXXX in order for my loan payments to be deferred until after I graduate again. This is ridiculous because the Fall semester at my school starts a week or so after XXXX 's deadline. I am now waiting to get approved for summer enrollment which they say will enable me to defer payments, however XXXX has refused to give me any slack while I'm awaiting the approval and if the approval from my school comes too late I have to start repayments and I am totally XXXX.
Consumer complaint received 2018-02-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Kabompo Holdings, Ltd. (CA)

Please see the attached complaint made to the NY XXXX  regarding XXXX. After several months delay the issues remain and instead believe this cases handling used to compel XXXX XXXX amidst efforts by those to take advantage of XXXX XXXX   system in takeover attempt of commercial projects. The timing appears connected to a block chain and due to ediscovery innovations linked to my accounts not sure if there are overlapping ip issues beyond the original issues complained about. Not satisfied with the NY XXXX  handling. Shortly after they issued the NY XXXX  issued a message on Virtual Currency 's that was general on fraud and manipulation of virtual currency. Some of the issues extend to blockchain and smart contracts also which XXXX encompasses. However the specific handling of my own matters not appropriate. Please see attachments.