davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-31
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Can't contact lender or servicer — 
Company: SUN LOAN COMPANY INC. (AL)

I had a loan with sun loan /XXXX XXXX XXXX reporting to all 3 credit  bureaus the amount of XXXX I have a validation letter from sun loan stating company was sold and I don't owe debt
Consumer complaint received 2016-12-30
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (CO)

My bank sent a payoff to my credit card company ( with Home Depot ) on XX/XX/XXXX to an address that the credit card company provided to them. The credit card company cashed the check and it cleared on XX/XX/2016. The check was sent with a letter to payoff and close the account specified on the letter and the check. As of today it has not posted to my credit card and the account is still open. Home Depot can not locate where the payment was applied and has basically refused to work with me or my bank. Copies of the cleared check ( front and back ) has been faxed to them multiple times and they can never locate the fax. Every time I call Home Depot it is a different person I talk to. No notes are ever made from previous calls so I can be certain that no-one there has attempted to address the situation which started early XXXX. I received a call from the collections department today stating that my account is past due and there are late fees and interest that have been applied. The story was explained again and she was unwilling to help in researching where the payoff check went.
Consumer complaint received 2023-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/2023, I paid using Capital One 's mobile app from my checking account on app, my Capital One credit card ending in # XXXX. 

On XX/XX/2023, Capital One lost my payment. 
On XX/XX/2023, Capital One posted my {$100.00} payment as " '' OTHERS ''. 

This is consumer fraud, XXXX. XXXX business practices. 

I faxed XX/XX/2023 Capital One PaymenXXXX Investigations and they continue to lie, steal and cheat consumer.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies Experian, XXXX and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2020-10-19
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: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I have sent several disputes into XX/XX/XXXX requesting for the following collection to be removed XXXX and XXXX XXXX XX/XX/XXXX XXXX however the negative markings are still be reported Monthly.
Consumer complaint received 2016-09-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX Fl XXXX TransUnion LLC XXXX, PA XXXX XXXX Dear Sir or Madam, I am writing in regards XXXX XXXX XXXX and XXXX XXXX account on my credit report. On XXXX/XXXX/XXXX I have file complain to the CFPB I sent a letter explaining the situation. 

All this accounts have been process and closed in XXXX not in to XXXX and the discharge date was XXXX not XXXX. 

In addition it has been 8 years seen this Loan were reported to the Credit Bureau. 

My Understanding was that Art institute took XXXX loans and the XXXX of XXXX Paid and clears this loan in XXXX. However on my credit Report it appears XXXX loans from different agencies. 

I 'm requesting this loan to be remove from my credit report. 

I have enclosed copies of all my records correspondence. 

I look forward to your reply and resolution to my problems. Thank you for the opportunity to clarified this issued. 


XXXX XXXX
Consumer complaint received 2022-09-06
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. (NY)

This is my final attempt before taking this matter to court and suing Equifax for false reporting and false investigating. Because of my most recent complaint and attempt to have the bankruptcy listed on my credit report removed, Equifax sent me a letter " confirming '' their investigation ... again siting XXXX as their source who provided the information. I have been dealing with this since XX/XX/2022. I have now attached the letter Equifax sent me siting XXXX dated XX/XX/2022. I have also attached my COMPLETE XXXX consumer report. Every single page has been attached and you will clearly see that NO bankruptcy is listed. You will see my name, date of birth and last 4 of my social on the XXXX report, I also included my ID as proof of identity along with my social security card. I also singled out page 27, showing you I am clear of judgements, liens and bankruptcy. BUT you still have access to the complete report as well. Again this is the final chance for your company to rectify this mistake before I hire a lawyer and sue for false reporting.
Consumer complaint received 2022-02-11
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: Santander Consumer USA Holdings Inc. (MD)

I am writing to dispute the following credit inquiries on my credit report. These inquiries were not made nor authorized by me. 

The following inquiries/dates listed are fraudulent, unauthorized, and not made by me. I am requesting that each business that retrieved my information to remove this inquiry off my credit report. 

1 ) Santander Consumer USA XX/XX/XXXX 2 ) Santander Consumer USA XX/XX/XXXX 3 ) XXXX XX/XX/XXXX 4 ) XXXX  XX/XX/XXXX 5 ) XXXX XX/XX/XXXX 6 ) XXXX XXXX XXXX XXXX 7 XXXX XXXX XXXXXXXX XX/XX/XXXX 8 ) XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX 9 ) XXXX / XXXX XXXX XX/XX/XXXX 10 ) XXXX XXXX XXXX XX/XX/XXXX 11 ) XXXX XXXX XX/XX/XXXX 12 ) XXXX XXXX XXXX XX/XX/XXXX 13 ) XXXX XXXXXX/XX/XXXX 14 ) XXXX XXXX XXXX XXXXXX/XX/XXXX 15 ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 16 ) XXXX XXXX XXXX XXXXXX/XX/XXXX 17 ) XXXX XXXX XXXX XXXXXX/XX/XXXX 18 ) XXXX XX/XX/XXXX 19 ) XXXX XX/XX/XXXX 20 ) XXXX XXXX XXXX XX/XX/XXXX 21 ) XXXX XXXX XXXXXXXX XX/XX/XXXX 22 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 23 ) XXXX XXXX XXXX XX/XX/XXXX 24 ) XXXX XXXX XXXX XXXXXX/XX/XXXX 25 ) XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX 26 ) XXXX XXXX XX/XX/XXXX 27 ) XXXX XXXX XXXX XX/XX/XXXX 28 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 29 ) XXXX XXXX XXXXXX/XX/XXXX 30 ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 31 XXXX XXXX XXXX XX/XX/XXXX 32 ) XXXX XXXX XXXX XXXX  XX/XX/XXXX 33 XXXX XXXX XXXX XXXXXX/XX/XXXX 34 ) XXXX XXXX XXXXXX/XX/XXXX 35 ) XXXX XXXX XXXX 36 ) XXXX XXXX XXXX XX/XX/XXXX 37 XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc (NV)

Requested to cancel my XXXX  XXXX  membership on XXXX. Informed to cancel through ABC Financial at XXXX Monday through Friday. On XXXX I contacted ABC Financial to request cancellation. XXXX is directing me back to XXXX  XXXX. I want ABC Financial to stop charging my account and cancel my membership as requested.
Consumer complaint received 2015-06-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Student Loan Finance Corporation (MN)

Student Loan Finance Corporation placed my student loan out of deferment illegally and unlawfully, and without sending me any notification. My student loan is not suppose to be out of deferment and I should not have a past due amount because my student loan account should be in deferment.
Consumer complaint received 2015-07-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (WA)

I was trying to pay my mortgage over the phone and the automated system kept telling me that it did n't recognize my account number, when I finally got through and entered my bank account information the payment seemed to go through and I was given a confirmation number. I called and checked on it several days later and it confirmed that my payment was received. When I received my next statement it showed a " payment reversal '' and a late fee charge. When I called to ask why my payment was reversed I was told that I entered my account number wrong. I was charged a {$100.00} late fee. I believe that it was the system 's error that caused this problem.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I submitted a dispute about inquires, false information, and non-mailable addresses that are not mine. I want every inquiry on my report deleted. I didn't authorize them and they can't prove I did. So they are reporting false information that they can't verify. And I have one address, one phone number, and y name is spelled one way. I've provided those items so I want anything other than what is correct to be deleted immediately. And I'm opting out of any reporting without my written consent.
Consumer complaint received 2021-08-04
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. (IL)

I've disputed with Transunion, XXXX, and XXXX  incorrect data that each are reporting on my credit bureau. Each company is reporting that my mortgage with XXXX XXXX  is closed, and auto loan with XXXX XXXX finance is closed and being paid through a chapter XXXX plan agreement. I've submitted to all 3 bureaus schedule C documents showing the 2 accounts were filed as exempt, also my chapter XXXX plan of which I the debtor was paying the accounts directly, and not through a wage payment plan through chapter XXXX. I also submitted bank statements showing proof of those deduction coming from the creditors. I learned from contacting each creditor that they were reporting to the 3 credit bureaus that my account was paid on time, and as agreed. I stated in my dispute that I wanted the incorrect data removed from my account since they are failing to report my account accurately. I notified the 3 credit bureaus that bankruptcy courts does not report to credit agencies and submitted documents supporting my disputes. The inaccurate information is causing severe hardship, and I ask that those companies update my report with accurate reporting, or remove the inaccurate data. ASAP.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

Experian has continually denied that they have received my documents of ID Theft. I have sent them a copy of my Federal ID Theft Complaint, Copy of Police Report, my Drivers License, Birth Certificate, and Social Security Card on XXXX separate occasions from XXXX to XXXX today. My ID was stolen and used by an individual that pled guilty ( XXXX XXXX ) and is currently in prison for same. Experian will not remove a fraudulent charge from a company I have NEVER heard of XXXX XXXX XXXX. The documents produced from said company do NOT have my signature on them, my name is spelled incorrectly, date of birth is incorrect, social security number is incorrect, address is incorrect, employment is incorrect. THIS HAS CAUSED HABITUAL DAMAGE of increased loan fees, increased interest rates for automobile purchases, credit cards, loans, and the lack of home purchase. XXXX XXXX XXXX, Experian, XXXX, and XXXX should be responsible for the CONTINUED DAMAGES as a direct result of their wrongful and continued acts against me. Both Compensatory and Liquidated Damages accrue each and every day against them due to the habitual lack of everyday business practices.
Consumer complaint received 2020-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Sometime In XX/XX/XXXX sentry collections placed a collection on my account for an account with XXXX which I do not own. 
I filed dispute with TransUnion which resulted in the dispute being deleted. 
On XX/XX/XXXX sentry credit in violation of fcra places same collection that was disputed in XX/XX/XXXX as a new account on my credit report. 
TransUnion in clear violation of fcra without evidence supporting the relist of a prior deleted information and notice to inform me within 5 days reported the deleted information on my credit report.
Consumer complaint received 2015-08-27
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (NV)

I have requested several times for Equifax to investigate things appearing on my credit and have yet to receive any response in writing from them. A request for information was mailed to them the following days : XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015, last one mailed XXXX/XXXX/2015. Then contact was attempted via phone only to be told to forward the same documentation that was supplied in each mailed correspondence. I was informed that information would not be released until the documents were forwarded for which I did on XXXX/XXXX/2015. I also called again today and spoke to XXXX.He checked his records and said that everything was okay and that the address was not updated until 5 days ago XXXX/XXXX/2015 and unknown as to why it took so long only to be told it was systems error. I have not had any problems receiving information from XXXX nor XXXX and that includes scores.
Consumer complaint received 2022-09-06
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. (VA)

The problem that I have is according to 15 Usc 1681A ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. They also never had a permissble purpose and I never consent to this in the first place. 15 usc 1681B ( 2 ) Contacted Equifax on XX/XX/2022 again to get theses items that's ALREADY disputed OFF my credit and the rep was very rude.
Consumer complaint received 2021-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP (KS)

Since XX/XX/XXXX, I have been attempting to dispute the BALANCE with US Bank regarding a credit card debt. They blatantly refuse to investigate the individual charges I have stated are the result of identity theft and fraud since the initial disputes because I verified in XX/XX/XXXX that the ACCOUNT was opened by me and was valid. US Bank then proceeded to block access to the account and statements, and refused for over two years to send me the account statements. Only through a dispute with CFPB in XX/XX/XXXX was US Bank finally forced to send me copies of the statements requested. 

On XX/XX/XXXX, I sent a letter to US Bank detailing the charges I have been attempting to dispute as fraud. The letter was sent via USPS Certified Mail with electronic return receipt. Tracking number XXXX XXXX XXXX XXXX XXXX, received on XX/XX/XXXX and signed receipt by XXXX XXXX. 

As of today, XX/XX/XXXX, US Bank has failed to respond to the dispute. I have received copies of each of the three major credit reports between XX/XX/XXXX and XX/XX/XXXX ; none of the credit reporting agencies have the account listed as " in dispute '' and all three credit reporting agencies state in the dispute results that US Bank verified the debt with them. 

US Bank is in violation of FDCPA and FCRA for the following : 1. Failure to respond within 30 days of receiving of dispute letter ; 2. Failure to report the account in dispute with the three major credit bureaus following the receipt of the dispute letter ; 3. Verification of the debt with the three major credit bureaus following receipt of the dispute letter and prior to validation or resolution of the dispute with me. 

Per federal law, creditors are required to respond within 30 days to a dispute. Per federal law, creditors are not allowed to verify an alleged debt with a third party prior to validation or resolution of the dispute with the consumer/disputing party. Finally, per federal law, if an account is under dispute or investigation, the creditor is required to document such status on the account with each of the major credit reporting agencies.
Consumer complaint received 2017-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (FL)

Last   XX/XX/XXXX  / XX/XX/XXXX , I logged on to my husband ' s Amazon account. I applied for an Amazon Credit Card through Chase Bank. I set up the payment method on the Amazon account to the new Chase Card. This  replaced my husband 's    XXXX   XXXX   XXXX   XXXX   as the default payment method. My husband did not realize that I   had done this.   While working out of town my husband ordered items on his  Amazon account. The items ordered were charged to my Chase Card because it was selected as the default payment. When I received my Chase statement, I saw the charges and determined that I did not order them. I then called and disputed th ese charges in  XX/XX/XXXX . After the charges were disputed my husband s Amazon a ccount was suspended until the charges were paid. After we sorted this out, my husband paid for all of the items that were disputed with his   XXXX   XXXX   XXXX   which was on file wi th Amazon. His account was restored. Chase di  d not ask for any proof the charges were paid or by what method. It took two phone cal ls and writing a letter to them to get them to dispute the charges. I do n't believe this was done until  XX/XX/XXXX  time frame.
Consumer complaint received 2017-02-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Services, Inc. (WA)

I filled out a form of cancellation for a XXXX located in XXXX, Washington and they misfiled it back in late-XX/XX/XXXX/early-XX/XX/2016. The debit card connected to membership, around the same time of my membership cancellation, got lost so I cancelled it as well. I did n't inform them of the card cancellation because I thought I had cancelled my membership effectively. They continued trying to charge my cancelled debit card into the coming XX/XX/XXXX before they informed me that the National Credit Services would take on the debt. National Credit Services sent mail to an old address of mine to which I could not retrieve it. They are trying to collect debt from me, but I should not have to pay this debt because the gym themselves misfiled my cancellation. What if they did this on purpose to profit off my cancellation? They claim I need proof that I cancelled but after filling out two cancellation forms ( another one in XX/XX/XXXX to stop further charging to my account ) I was not presented with any certificate of proof.
Consumer complaint received 2016-09-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Revenue Corporation (AZ)

Robocalls from XXXX on XXXX, XXXX, XXXX ( which I answered to let them know they had the wrong person, but was only a robocall, with the message if I was not this XXXX? person, hang up ) and XXXX. They have been looking for this person for a long time. My wife called them in 2014 and told them they have the wrong person and did not have consent to call this cell phone anymore. Two years later, they are ignoring that verbal cease and desist order. Their website is down & I do n't feel the need to spend money to send certified mail or fax when a verbal cease and desist is permissable according to FDCPA & XXXX.
Consumer complaint received 2016-04-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion will not remove this misleading information on my credit report. 
I sent them a identity theft report and they removed a bankruptcy and left XXXX tax leins on my report. But they say they could n't accept the report but the item was removed. They Transunion are just stalling, and causing me financial harm, and stress. My next move will be to sue Transunion for willful noncompliance and {$5000.00} for each item they refuse to correct on my report.
Consumer complaint received 2015-09-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (FL)

Please confirm that you and your current foreclosure retained attorneys are debt collectors in relation to their current collection activities regarding my loan. 
On XXXX XXXX, 2015 and XXXX XXXX, 2015, SETERUS, INC. 's, continued with the foreclosure proceeding by publishing notice of the foreclosure sale through their attorneys. SETERUS, INC. 's actions in publishing the notices of the foreclosure sale while a HAMP or other loss mitigation application was pending, is a direct violation of XXXX and XXXX of the Making Home Affordable Program Handbook and Regulation X, 12 C.F.R. 1024.41 ( g ). I do not believe SETERUS, INC., is taking reasonable steps to avoid an order of sale. SETERUS, INC., has the option of filing a notice of voluntary dismissal to allow the loss mitigation application to be evaluated. SETERUS, INC., was actually forbidden from doing any publications to the foreclosure sale because the publications can cause and can lead directly to a foreclosure sale on XXXX XXXX, 2015. Your foreclosure attorneys have also published the sale of the property on multiple marketing sights like XXXX to insure that the sale of my property occurs which I believe is also an error.