davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-24
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I Purchased a car XXXX/XXXX/XXXX for {$15000.00} under a not " as is '' sale from XXXX XXXX XXXX After XXXX/XXXX/XXXX notice the car had issue windows, radio and other electrical issues not working properly, so I contacted the company I purchased the car from. The store I originally purchased the car was no longer in business so I was informed to go to another store. I went to the new location and met XXXX XXXX the GM, he offered me to trade the car but add the old car balance to the new car balance. I did not agree with it that solution.I tried to trade it in at another location on my own. The salesmen did a car report on the car, only to find the car was in 4 accidents, the battery had previously exploded in this car before I purchased it. So I continued to try numerous times to contact the company for help. This went on for a year or so and eventually the car caught a fire and finally the engine blew.I have been renting cars since XXXX and paying the car note to keep my family a float. I contacted the XXXX and they contacted XXXX XXXX only for them to lie again and try to get away.
Consumer complaint received 2017-10-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC (MD)

This my response to a complaint ( XXXX ) I submitted XXXX against GC Services! 

GC Services, responded to my complaint ( XXXX ) XXXX! However, this response is not acceptable, because they did n't give an explanation to the charge I made of presenting me with XXXX different letters which contradict each others : XXXX XXXX, XXXX letter showed a balance of XXXX XXXX XXXX compared to the other letter dated XXXX XXXX, XXXX had a balance of XXXX XXXX XXXX Since I paid the money to GC Services, I believe an explanation should be their responsibility to explain the differences! 

Thanks in advance, XXXX XXXX
Consumer complaint received 2022-07-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (CT)

I deactivated my Zelle account used with XXXX today, XXXX, by mistake. When I attempted to reactivate/sign up, the error message states the phone number as well as email can not be used with Zelle even though account was just recently deactivated.. Email used is XXXX. The Zelle rep stated the number, XXXX, was blocked due to service violation and did not disclose what the violation is, referred me to a Zelle site which lists various reasons, nothing specific to myself or my account... Needless to say, this is a mere run around, appears to be a bogus answer... I believe bogus because the account was used with no issues in the past, sent money to several people, not used fraudulently, was just active several hours prior...
Consumer complaint received 2017-10-24
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: K. HOVNANIAN AMERICAN MORTGAGE, LLC (NJ)

I Applied for a VA mortgage through XXXX Mortgage. A credit report was pulled on XXXX XXXX, again on XXXX XXXX and again later that month. I emailed and had a phone conversation with the person in charge of my file and told him to not run my credit report again- he told me by email he would not. However, it 's now XXXX and again my credit report was pulled without my prior knowledge. I fired off a email to him and his superiors and received a call that these reports should not have been pulled. I was told that 500.00 would be taken off my closing costs. I was also told that another report would have to be pulled prior to closing which is XXXX XXXX 2017- This is a VA loan and 5 credit runs in a 6 month build new home process is wrong and damages my credit. I was also emailed that these credit pulls hard not soft does not effect my score which is totally false. I am not satisfied with the explanation and told them that I plan to dispute with the FCRA.
Consumer complaint received 2017-10-24
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: EQUIFAX, INC. (GA)

Illegal inquiries has been reported on all three reporting agencies. I disputed this with Equifax, XXXX and XXXX and requested removal and none has provided validation of request for credit and i contatced each inquiry and none has validated request for credit. 

I asked for all 3 credit agencies to remove inquiries until validation of request is complete and none have done so after more than 60 days ago.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (MA)

Mr. Cooper home loans reported to credit bureau that my mortgage was 30 days late in XX/XX/2023. My mortgage payment was 28 days late and should not have been reported. Attempted to file a dispute but was not resolved
Consumer complaint received 2022-03-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

This is the second complaint against this company. What is being conducted is this Company is asking for new documents even though the same documents were emailed to this company and they received them. This is a continued and direct process to not do a loan modification. This company is continuing to conduct a REPEAT CYCLE of asking for the SAME DOCUMENTS they already have in their possession. Now this is what this company is doing in an effort to deceive and lie and continue to REFUSE to give me a LOAN MODIFICATION. But the unbelievable part is how their employees are scripted to try and get you to state you need to go into a fore bearance. I applied for a Loan Modification. This is their REPEAT CYCLE now : 1. Sending notification that ALL DOCUMENTS were received and it will take up to 30 days to make a decision. 2. Having strange people taking pictures of your house, over and over and when questioning the person as to why they taking pictures again, the answer is I dont know why the Mortgage Company is taking so many pictures. This is straight up harassment. 3. I get a notification with pictures of other homes with what the prices are in comparison to my home. Cycle starting over again- now asking for repeat documentation that was ALREADY accepted, now wants new updated. 4. And now a new one : Documentation that my Husbands Social Security is being deposited, although this was sent on XX/XX/21. And the cycle continues over and over. I will continue to pay my mortgage although late. What they gon na ask for next that they already have? This is the 19th repeat cycle this company has conducted. As you can see the 30 DAYS STARTS OVER FROM DATE THEY SEND ANEW MISSING DOCUMENTS NOTIFICATION.
Consumer complaint received 2017-07-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc. (FL)

NCB Management Service hounded me for months from XX/XX/XXXX to XX/XX/XXXX to pay an auto debt I defaulted on. After numerous attempts by NCB to collect the debt, I caved in and settled the debt for ~ {$1900.00} on XX/XX/XXXX under the impression they delete the negative trade line from my credit reports. I called and sent letters to them to remove the negative trade line from my credit reports with no luck. I spoke with an account manager and he wanted me to pay an additional {$700.00} for them to delete the information from my credit reports. I told the supervisor I 'm currently out of work and I could n't afford to pay more money.
Consumer complaint received 2017-10-24
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: CITIBANK, N.A. (CA)

I 've received several hard inquiries that I do n't recognize. XXXX is from XXXX XXXX on XXXX XXXX, XXXX. I called XXXX and they reported there is no record of my name anywhere in their system. There are XXXX other hard inquiries from Citibank XXXX XXXX XXXX on XXXX XXXX, XXXX and XXXX XXXX XXXX when I 've only applied XXXX time to XXXX. Also for XXXX XXXX there are XXXX inquiries on XXXX XXXX XXXX and XXXX XXXX XXXX when I only applied XXXX time on XXXX.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

4 credit cards have been paid off and personal loan, excellent payment history. Oldest account is XXXX credit established 2013. XXXX in XXXX. XXXX  XXXX $ paid off, as well. Score didn't increase as with other 2 agencies. Usage below 1 %. Please correct paid account and revise score for Experian. 
XXXX and XXXX both have 2 hard inquiries more than 2 yrs old. Should only be 1 hard inquiry.
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

In XXXX XXXX i disputed with creditor over falsely claiming to report to the XXXX major credit bureaus after acount had been open more than 6 months. I requested to have account cancelled and pay of the remaining balance without further interest accumulating. After agreeing verbally by phone the account immeadiately went to a collections account, XXXX managment services, with full interest. The XXXX XXXX account then shows up only on my transunion report as a charge - off which i find completely un acceptable to the terms agreed to especially after falsely advertising their product
Consumer complaint received 2017-10-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

On XXXX/XXXX/XXXX i started a XXXX purchase with Coinbase. They cancelled my order on XXXX/XXXX/XXXX. They notified me saying i would get a refund to my bank account and it has been XXXX days. But i have not received the refund. I think they may have scammed me. 
I have sent them multiple emails and clearly stating my situation and i even tried contacting them on twitter with no luck.
Consumer complaint received 2023-01-28
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: EQUIFAX, INC. (CA)

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/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
Consumer complaint received 2022-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

This account is apart of the Capital One XXXX XXXX. I am a party of the settlement. This information was obtained in the course of the Data Breach by XXXX XXXX. XXXX XXXX is reporting and falsely claiming this credit transaction is a debt due. XXXX XXXX XXXX has provided documentation it may have obtained in the Capital One Data Breach. As this was a Secured Credit Transaction the amount claimed as owed is inaccurate and false. A deposit was required to obtain a extension of credit which was expressed that it covered any failed payments. In light of Capital One 's error to inform me, I made a uniformed decision on when I entered this consumer credit transaction. There is no evidence of indebtedness the only evidence of indebtedness was by way of the agreement but because of the uniformed decision that agreement is null and void. It is null and void because I made a uniformed decision, I did not understand its meaning, and it was not clear and conspicuous. Capital One and XXXX XXXX XXXX are in violation of Title 15 Chapter 41, 15 USC 1602.
Consumer complaint received 2017-10-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (FL)

Sustained property damages bathroom pipe bursed, filed claim with my insurance company and received XXXX payment of $ XXXX. 

80 % of work is now completed an requested inspection per bank instructions. appointment for inspection was scheduled forXX/XX/XXXX at XXXX. I stayed home all day and no one showed up or called. 

Called the bank the same day and spoke to several representative ( XXXX and XXXX ) at XXXX and XXXX and XXXX on XX/XX/XXXX ,XXXX XXXX. 

I have been trying to schedule an inspection since XXXX XXXX and only getting the run around and not able to transfer me to a supervisor.
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I have tried to temporarily unfreeze my frozen credit file at Experian online and on the phone. Their systems do not work. I tried multiple browsers and repeatedly tried their idiotic phone system. You can not get to speak to someone. It took me less than 2 minutes to unfreeze at XXXX  & XXXX  but the Experian systems are intentionally horribly unhelpful and unuseful. It's time this company gets some overdue attention from you. 

A recording saying you can unfreeze it by mail is completely unacceptable. This process is supposed to be user friendly so people can easily and timely manage their credit freeze. Experian is a horrible company.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (IN)

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2020-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (PA)

XXXX XXXX Comenity Capital Bank XXXX. XXXX XXXX XXXX Ohio XXXX Acct # XXXX {$1100.00} This Debt is not mine. I have written to this company and XXXX and I am only asking for a contract between me and them with my signature on it, thats it. Ive recieved nothing from them or from any of the 3 credit agencies. Attached is my all 3 credit report and Certified Mail Receipt from XX/XX/2020 asking for this. This is the 15th letter to them. Either give me the contract or remove this from my credit report immediatly
Consumer complaint received 2018-05-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

I bought a Digital Product with a scammer by using Paypal invoice.When i paid, the seller did not send me anything about what i bought.then I reported it to paypal and Unauthorized it, Paypal just auto canceled my open case, that's can not do again. I need my money back, I did not get anything.I have everything communication record with the seller to prove he is scammer.
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I have reviewed my credit report from the three major bureaus and discovered several errors with the reporting by XXXXXXXX XXXX XXXX XXXXXXXX. 

The XXXXXXXX XXXX XXXX XXXXXXXX tradeline shows several late payments across the three major bureaus. The alleged late payment dates are listed in Exhibit B. These alleged late payments are invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not been authenticated as required by the FCRA. 

XXXXXXXX XXXX XXXX XXXXXXXX is damaging my character, creditworthiness, and wellbeing by falsely reporting those non-compliant unverifiable late payments on my credit report. 

Under the FCRA, a consumer has the right to request certified proof of any information reported to the credit bureau by a data furnisher ( XXXX XXXX XXXX XXXX ). I hereby request that XXXXXXXX XXXX XXXX XXXXXXXX provide me with certified proof to justify your reporting these several alleged late payments. 

I am specifically requesting for certified proof that your company complied with the FCRA and all its mandated rules when it comes to reporting accurately. 

If XXXXXXXX XXXX XXXX XXXXXXXX does not or can not provide this required proof, I demand that the Alleged late payments listed in Exhibit B be DELETED from my credit report immediately. ( Copied from attached affidavit ) ****
Consumer complaint received 2017-07-03
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. (GA)

Transunion is reporting that I have a collection account. They are reporting the company " XXXX XXXX XXXX ''. They added the company to my credit file on X/XX/2017. <P/>I have no contract with such company. <P/>XXXX XXXX Reported : XXXX. XXXX, 2017
Consumer complaint received 2017-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (OH)

On XX/XX/XXXX I faxed a cease and desist letter to Diversified Consultants @ XXXX. The letter also states if any negative information is placed on my credit bureau reports by their agency after receipt of this notice, that this will cause me to file a lawsuit against Diversified Consultants. I requested that Diversified Consultant send me all the information I requested to validate this debt and they failed to do so. I requested quite a few things from Diversified Consultants and they failed to do so. There is 2 accounts that this collection agency is harassing me about REF # XXXX. 

Public Laws 95-109 and 99-361, also known as the FAIR DEBT COLLECTION PRACTICES ACT, that there services are no longer desired. 

I need signed documentation with my signature on it.
Consumer complaint received 2023-03-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

Enhanced Recovery is stating I opened an account with XXXX XXXX XXXX in XXXX of 2022  and I never opened an account with XXXX XXXX XXXX in XXXX of 2022. I want this deleted from any credit report this affects because it is incorrect and the allegation is false. 

I, XXXX XXXX, a consumer, am notifying you that I dispute the debt pursuant to 15 USC 1692g. The one listed on my credit profile states it was opened XX/XX/2022 and the amount says {$1100.00} with a contact address of XXXX XXXX XXXX XXXX, FL. XXXX. It is alleging I opened an account with XXXX XXXX XXXX in XXXX of XX/XX/XXXXand I need you to provide me the notarized contract proving this and as you know, it must include my wet signature. 
I do not recognize how this account is reporting on my credit report. I do not recognize the account number ; I do not recognize the account status. I also do not recognize the account high balances, nor the late payments associated with this alleged debt. I REQUEST THAT YOU PROVIDE TO ME VALIDATION OF THE ALLEGED DEBTS. VALIDATION CONSISTS OF FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND IT MUST BE NOTARIZED. IT ALSO MUST HAVE A COPY OF MY WET SIGNATURE. 
Since this alleged debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of these alleged debts which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. 
I hereby inform you that you do not have my consent to communicate with me through any medium whatsoever. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 
You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802.

I request that you provide me the Aggravated Value of Purchase showing how much you were paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY MONEY FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND IS FALSE AND MISLEADING. 
THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASSE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered an issue with my credit report back on XXXX. I have called TransUnion over 7 times since then and have spoken with ( XXXX, XXXX, XXXX, XXXX, XXXX, and a few others whose names I did not get. TransUnion had hung up on me multiple times with no real help. TransUnion is the only credit bureau to claim I owe {$1700.00} in student loans. When I contacted DEPT OF ED / XXXX to inquire if there were any loans in my name they assured me back on XXXX that was not true. According to the DEPT OF ED / XXXX my account was reported closed ( PAID IN FULL ) on XX/XX/2017. Not only had DEPT OF ED / XXXX assured me that my account was closed but that they had not received anything from TransUnion in regards to a dispute or anything. On XXXX at XXXX XXXX  DEPT OF ED / XXXX said that since they had not received anything but they would send something to TransUnion letting them know that I was paid in full as of XX/XX/2017 and it should be taken care of by that FridayXXXX at XXXX I checked my credit score and nothing had changed, when I called TransUnion I got no more information. XXXX ( the last person I spoke to ) could only tell me that they had sent a dispute to DEPT OF ED / XXXX and they are waiting for them to reply. When I had informed him that on XXXX at XXXX XXXX the DEPT OF ED / XXXX had sent them a dispute on my behalf XXXX proceded to only tell me they sent a dispute to DEPT OF ED / XXXX and they were waiting for them to respond.