davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-22
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. (GA)

I've submitted dispute letters to Experian, XXXX, XXXX  and I have not received any responses and I am very upset and these items are damaging my score. I also submitted demand to comply letters to the bureaus via certified mail and have heard nothing back. I demand these items be removed from my file because at this point its a violation of the FCRA
Consumer complaint received 2018-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have a CapitalOne credit card that I have saved for emergencies and tried to not use it. I went on my CapitalOne site to pay my other credit card and I saw that CapitalOne closed my account. Apparently in my terms and conditions that I read 3 years ago but don't remember everything that if a card isn't used for a while they could close my account. I understand that this applies but there should've been a notice of closure 30 days prior, therefore I would've used my card to keep it active. When talking to the representative he said that a notice is usually sent out 2-4 weeks after an account closes! This is unprofessional as it gives me and other like me the consumer, no time or knowledge of what is going to happen. Now my credit score plummeted because it was closed by the creditor and now I don't have this emergency card. Their answer to all of this, " I should apply for another card. '' This doesn't work for me, I want my card activated again and my credit score to  go back up but CapitalOne is not being helpful. This is a huge scam!
Consumer complaint received 2022-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX  Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction - You have 100 % left to pay on this collection. 

Balance {$2000.00} Highest Balance {$2000.00} Opened XXXX XXXX, 2021 ( XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX  Closed No Info See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information COLLECTION XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX - You have 100 % left to pay on this collection. 

Balance {$610.00} Highest Balance {$610.00} Opened XXXX XXXX, 2021 ( XXXX yr, XXXX mos ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Consumer disputes this account information Original Creditor Name XXXX Closed No Info You could dispute an error with XXXX SEE AN ERROR? 
We've sent your dispute request to TransUnion, and we'll let you know when it's complete. 

GO TO XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2021-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, 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 COMMONWEALTH FINANCIAL. 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. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2022-09-12
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (NY)

My Debt was paid as I am the original source of the credit and XXXX XXXX so all Debts and Interest belong to me and I conducted XXXX and XXXX business with XXXX XXXX XXXX XXXX not Wells Fargo so any of my Trust self or Estate information sold is breach of contract and credits used also violations against XXXX XXXX and Person.
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2020-03-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (AL)

Cashnet USA claimed that I signed a document that I never seen before. They forged my signature illegally. After paying my first payment, they informed me that none of it went towards the loan and as long as I was paying the minimum, nothing would be payed towards my loan. They claimed that I signed a document agreeing to these terms but I read every document I signed on and never once did I see anything like what they were stating. I told them that I would not pay them another dime because they are not scamming me. I would hire a lawyer before they scam me. The people there were very rude when I questioned them about it and told me that I had no choice but to pay them what they wanted me to pay or my loan will never be paid off. I was paying {$200.00} on a {$1000.00} loan. They are XXXX  and they should be shut down permanently before they scam anybody else!
Consumer complaint received 2018-02-24
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: OLD REPUBLIC TITLE HOLDING COMPANY, INC (CA)

Dear XXXX XXXX, ( XXXX XXXX ) Hoping your doing well. 
I want to make sure that in all benevolent matters are resolved to provide me with clear title upon this request today. 

This was noted : None of the companies is the trustee or beneficiary of the deed of trust encumbering the above referenced property and none of the companies is servicing the loan secured by the deed of trust. XXXX XXXX XXXX XXXXl XXXX XXXX XXXX Now lets begin, please see the provided attachments for review, and 11 years now going through this..Well a whole lots of people are now aware of this. XXXX XXXX   XXXX As you maybe aware that a hard delete of the fraudulent deed of trust furnished with XXXX Grant Deed on Top left hand corner. Grant Deed was in XX/XX/XXXX. 
Closing Agent XXXX XXXX. Many have claimed under different loan numbers as well, there was never one void .... 
Much Gratitude, please provide your email to the email listed on this reply to my email thank you, with love and honor XXXX XXXX & California corp code as pertaining to corp lie in CA Corporation XXXX XXXX XXXX XXXX, XXXX. ( XXXX ) Number : XXXX Date Filed : XX/XX/XXXX Status suspended Jurisdiction : California Address XXXX XXXX XXXX XXXX, CA XXXX Agent for Service of Process XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2018-06-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (GA)

XXXX XXXX have called numerous times in the past few weeks. I have several calls listed on my cell phone and home phone that is related to their company. I can provide date and times if necessary ; I have explained to them that they have the wrong person ; there is more than one person with my name and they keep calling, they wanted by social security number but I refused, I asked them to read off the last four of the SS they have listed and it did not match mine : I instructed them that I am not the person they are looking for and to stop calling. I received two more calls just today ( XX/XX/2018 ) from their listed number and then a hang up.
Consumer complaint received 2021-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (PA)

My creditor Chase has reported 1 late payment on both of my active credit cards with the company. I was told that I missed a payment in XX/XX/XXXX even though my credit report says both payments were missed in XX/XX/XXXX. I have sent letters to the company asking for forgiveness of the late/missed payment and I have called multiple times and have gotten rude responses and people who did not want to help. Both late payments were reported in XX/XX/XXXX. 

I also informed them that I was affected by Covid 19, and they still reported the payments to the bureaus as late payments.
Consumer complaint received 2018-02-20
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Asset Recovery Solutions, LLC (WA)

Asset Recovery Solutions has been told to stop contacting me at my work place and has made additional attempts to contact me at work after they were informed orally by myself that my employer does not allow these type of calls at my work place and to stop calling my work immediately and at any time in the future. 

I was initially contacted at my place of work where they left a message for me with colleagues on XX/XX/XXXX. I returned the call and informed them to stop contacting me at my place of work immediately. I informed them to stop contacting me on XX/XX/XXXX @ XXXX XXXX. Additionally, I informed the that I believe the debt that they were collecting on was outside of the statue of limitations. 

Asset Recovery Solutions called me again at my place of work on XX/XX/XXXX and once again left a message with my colleague, which is in legal violation since they have been notified that my employer does not want these type of calls. The individual that called was named XXXX XXXX ( XXXX extension XXXX ). 

This company is in legal violation of calling me at my place of work after I have already informed them that they are not allowed to contact me at work because my employer does not want these type of calls at my office ( informed on XX/XX/XXXX ).
Consumer complaint received 2020-05-11
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. (GA)

XXXX is showing a high balance of {$8000.00} on my XXXX XXXX credit report. This is impossible, because the account was paid off through a forgiveness program years ago. The account is also past the 7 year statute of limitations, and should have been removed from my credit reports years ago.
Consumer complaint received 2022-09-12
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. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX and TransUnion credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXXDOFED XXXX Date Opened : XX/XX/XXXX Balance : {$7800.00} and XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}.
Consumer complaint received 2020-05-01
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not to be authenticated as per my requirements as you are damaging my character, creditworthiness, and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AR)

The provisions of 15 U.S.C 1681 Section 602 A guarantee my right to privacy.

Furthermore, 15 U.S.C 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish an account without obtaining my written instructions. I request the immediate deletion of this account, unless you wish to be held liable for {$1000.00} per violation.

I expect that this matter will be addressed promptly and that the necessary actions will be taken to rectify the inaccuracies in my credit report. 
SEE ATTACHED
Consumer complaint received 2021-03-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LDF Holdings, LLC (NJ)

On XX/XX/XXXX I received an email stating that I had a payment due on a loan from a company name XXXX, phone number ( XXXX ) -XXXX-XXXX. I did not apply for a loan, saw no Credit Bureau inquiries, no loan is appearing on my Credit Bureau and did not receive any unexpected deposits to any account. I immediately responded to the email notifying the company that I did not apply for the loan and that it was fraud. On XX/XX/XXXX they acknowledged my reply and told me to fill out a Police report and forward it to them. On XX/XX/XXXX I responded that since I have no knowledge of the company, the alleged loan or any other details other than an email requesting payment, I would not be submitting a police report. For all I know the email was a fraud attempt. They have stopped responding via email but are calling me requesting payment. I called and spoke to an associate today XXXX and was again told to fill out a police report. I again told them I don't have any information to put into a police report. They stated the police report was required to proceed. I informed them that I would expect them to file a report since they are the victim who suffered a loss. I offered to sign a document stating I did not apply for a loan. They did not accept that offer and I asked them to stop calling me.
Consumer complaint received 2020-05-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (PA)

Toward the end of last year my escrow changed as typical, and I thought that it changed a month later than did. The mortgage company held my money without applying it to my payment until they received the entire amount. Then they ended up applying it toward principal without my knowledge despite my calls to them to explain the situation. Now they are telling me I am a month late on my mortgage when i have in fact paid them every cent that i was requires. They are telling me that the regulations require them to apply the payment to principal after 60 days. So, that suggests I was over 60 days late getting the balance of the funds to them. That is not possible since I have Made my payments. I have on numerous occasions requested they apply the amount the applied to principal toward the payment as it should have been.
Consumer complaint received 2017-07-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (OR)

My mortgage loan matured on XX/XX/XXXX.
As of XX/XX/XXXX the principal balance was {$180.00}. I made my recurring electronic mortgage payment of {$420.00} in XX/XX/XXXX, but it was refused and returned by CitiMortgage. After calling CitiMortgage, and clarifying the final payoff payment was {$210.00}, I wrote a check for that amount and mailed it in on XX/XX/XXXX.
Subsequently I received a letter dated XX/XX/XXXX stating my account was in default, with a total past due amount of {$840.00}, and that a credit bureau was notified. On review of my latest credit score, it has dropped from XXXX to XXXX. In calling CitiMortgage, they have refused to correct their error in reporting.
Consumer complaint received 2020-05-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (LA)

XX/XX/XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$720.00} XX/XX/XXXX XXXX   XXXX {$710.00} these accounts was an result of identify theft. These companies was requested for deletion. company agreed.
Consumer complaint received 2018-06-20
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. (NY)

See list of inquiries on my credit that I did not authorize and I know nothing about. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Stellar Recovery, Inc. (MN)

Agency- Stellar Recovery My husband and I are the underwriting process of purchasing our new home. on XX/XX/XXXX I received an alert of a new collection account from Stellar Recovery on my credit report. I tried calling the number listed on the credit report but it was not an active working number. I immediately researched agency and sent them an email disputing the collection and filed a complaint with the 3 credit bureaus. I sent two physical letters to two different addresses ( Montana and Florida ) associated with the business. I contacted my bankruptcy attorneys and they sent a letter to the company on my behalf. I left an inquiry on the agency 's website. I 've called the company at other phone numbers I found online 3x but could only leave messages. I then did a search in my spam email and found they emailed me 4x in one day on XX/XX/XXXX before placing this on my credit. ( Three of those emails from the agency were addressed to 3 other individuals providing me with their names and addresses. The email addressed to me never stated who the bill was from, the amount of the bill, or that it was an attempt to collect a debt. The company has not returned any of my calls, emails or inquiries. My credit score has decreased by 30 points due to this and we are still waiting to hear how this may impact our chance of buying a new home.
Consumer complaint received 2021-11-30
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 — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION (FL)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2021-03-01
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2022-04-02
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( XXXX XXXX XXXX ) account # XXXX, XXXX XXXX  ( XXXX XXXX ) account # XXXXXXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-07-16
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. (MD)

Transunion continues to report the following credit inquiries, which I did not initiate or authorize, despite my repeated attempts to bring this to their attention : -- XXXX, XX/XX/XXXX -- XXXX XXXX, XX/XX/XXXX -- XXXX  XXXX, XX/XX/XXXX -- XXXX, XX/XX/XXXX -- XXXX, XX/XX/XXXX