davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (WA)

I 'm having problems with Equifax not correcting info on XXXX public records they have listed. I disputed with XXXX & XXXX 30+ days ago & they deleted XXXX of them & corrected the info on a XXXX. This is the 2nd time I 've disputed with Equifax & both times they came back " completed '' in just a few short hours. The other XXXX CRA 's took almost the 30 days allowed to delete/correct the info. The fact that 1 ) it took Equifax a couple hours to " complete '' this " investigation '' & 2 ) they state the info is correct when it absolutely is not correct, tells me they are n't even attempting to verify & correct this information on my credit report with them. I have been to the courthouse in person & have seen the correct info, and the other XXXX CRA 's have actually investigated these listings like they are supposed to, and already deleted/corrected the wrong listings. If a CRA is going to take the time to include public records which is EASY to verify if they actually did it, then they need to take the time to make sure this info is correct. This is my credit report & is very important, and as such it needs to contain correct info, not junk they just throw on there, without making sure everything is kosher first. This affects my life to a huge degree in every way imaginable, from getting credit to getting a job. As I stated, this is my 2nd attempt to get this info fixed with them, and both times they were negligent ( in my opinion ) in fullfilling their purpose & duties as a Credit Reporting Agency. They most obviously are n't actually investigating these incorrect listings when the info listed is STILL wrong, and the other XXXX CRA 's already actually investigated these and found them to be incorrect & deleted XXXX that are due to fall off soon, and updated the newest one with the correct info. As such, I would like Equifax to completely delete all XXXX of my paid medical judgements they have listed, since they are obviously not interested in displaying the correct info & just want to show whatever they feel like without regard to the very real problems that an incorrect credit report causes in peoples ' lives. And for the record, Equifax 's online dispute system is complete rubbish compared to the others '. Half the time you get errors when answering the questions that identify you, or it states your answers are incorrect, when in fact they are correct. Also, Equifax 's dispute system does n't allow for any notes to be added to the dispute like you can with XXXX 's & XXXX 's. That is just plain stupid, but does n't surprise me considering they do n't seem interested in making sure peoples ' reports are accurate & just spit back " completed '' investigations, when none ever actually took place.
Consumer complaint received 2016-01-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

Original dispute case number XXXX, XXXX Attorney General reports false data to my credit report on Equifax and it is reported twice as a duplicate.. below is the history of the report, i have never been late, and should not have been reported, also date of late payments keeps changing to favor the grantor, shows late 150 day between XXXX & XXXX XXXX, XXXX to XXXX do n't have 150 days. this is wrong and false i have never been late. 

this report should be deleted in accordance with FTC rules for fair credit reporting same account being reported twice & is duplicated Confirmation # Status Dispute Date Completion Date Results XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX N/A XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Viewed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired
Consumer complaint received 2022-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONGRESS COLLECTION CORP (MI)

I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, still reporting on my credit report in violation of Federal Law. The XXXX is failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681 within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2019-02-27
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)

I submitted a dispute with XXXX, TransUnion and XXXX  concerning a collection account they are reporting under XXXX XXXX XXXX {$570.00} ( XXXX XXXX XXXX XXXX  ) This account is not verifiable and inaccurate and should be removed. 

I have enclosed a letter by the original debtor sent through CFPB showing proof of documents they sent stating the debt amount is not valid- XXXX XXXX XXXX  was purchased by XXXX  and here is their notice sent to me. 

I would like this removed and deleted as they clearly show that the amount listed {$570.00} is not accurate and this is fraud by XXXX  and XXXX XXXX by reporting this other wise with out any documentation
Consumer complaint received 2016-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CA)

I have applied for several loans for my XXXX sons ' college education. 
All of them - except one - had interest accrue only after them left college, and payments were to slated to begin until after that time. 
After my youngest son completed college, I expected to start repaying the loan from Navient, and upon receiving invoices I noticed that the total due was about {$5000.00} more than the actual loan of $ XXXX. 
It was only then that I noticed the paperwork was different from all the other loans I had secured. 
This does not seem correct, especially as I was unemployed when I had secured this loan. 
I wrote to Navient several months ago, and never received a reply and there is no record of my sending the message in my account file. 
I am wondering if this is the " alleged mistreatment of borrowers '' that your department is investigating within this company.
Consumer complaint received 2017-03-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC (RI)

My city sent me a legal notice stating my taxes were delinquent and there would be a tax sale. When I contacted the city they stated my taxes had not been paid all year. I contacted the mortgage company and they started there research XX/XX/XXXX. I called back two weeks later they stated a resolution date of XX/XX/XXXX. I called XX/XX/XXXX they said to call back XX/XX/XXXX. Today is XX/XX/XXXX I called the city and they said they have still not received any payments and no one has been in contact with them.
Consumer complaint received 2019-02-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc. (WV)

I had a medical imaging  bill sent to collection that i thought shouldve been taken care of by my insurance provider. Im trying to fix my credit and now to try and buy a home. I called the the collection agency to resolve this by paying it but they told me they were not authorized to take this off my credit report. I did not pay it because i was told my my loan adviser not to pay if they could not get it off my report because it wouldnt do us any good. The date off the collection was on XX/XX/2013.
Consumer complaint received 2017-02-22
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (MD)

My wellsfargo card was lost and/or stolen. I reported, and received a new card. Before, my card was lost or stolen, my boyfriend and I had previosly purchased some items with XXXX. On XXXX/XXXX/XXXX, two payments were made to XXXX. However, I did not provide my new card number to XXXX. On XXXX/XXXX/XXXX, XXXX charged my new bank card XXXX seperate charge amounts. They informed me that I called and told them my new card number on XXXX/XXXX/XXXX at XXXX.However, I did not provide them this information. When I called Wells Fargo to dispute these charges, they denied me the dispute. They stated that my new card number was provided to the merchant, " XXXX '', by XXXX XXXX. Basically, I did not provide authorazation for these payments, I want my money back. How can a merchant retrieve my personal information without first contacting me. How can my bank provide my personal information without first contacting me. The merchant account is not even in my name, it is in the name of my boyfriend. Their has been a breach of privacy.
Consumer complaint received 2015-09-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (IL)

I purchased renters insurance from XXXX, policy # XXXX earlier this year. I could not afford to make the monthly payments and allowed the policy to lapse. I just received a notice today from Credit Collection Services ( XXXX ) XXXX file # XXXX XXXX XXXX stating that I owed a payment of {$29.00} for XXXX. I asked why I received this and was told I was covered up until that time even though I have not made a payment in months. I pulled out my policy, contacted XXXX ( XXXX ) XXXX asked if they could direct me to where it states if I discontinue payments they could expect payment and/or collections for non payment. I was told it is not in their policy.
Consumer complaint received 2023-08-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (VA)

My identity was stolen by this company. They are attempting to collect a debt and I have no legal written or binding contract with this company. 

Consumer law code 15 USC 1681 ( Q ) and 15 USC 1681 ( A ) ( 2 ) If any person uses my information without permission that is identity theft. There must be permissible purpose. I did not give permission to report this or any account on my consumer credit report, therefore, this is identity theft as XXXX XXXX XXXX used my information and publicized it.
Consumer complaint received 2015-04-13
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: USA DISCOUNTERS LTD (OK)

In XX/XX/XXXX I purchased a TV on contract from USA Discounters, I was laid off a few weeks later. I was unable to meet the agreement and defaulted. USA Discounters began to harass me thru phone, email, and third party contact. I mailed a cease and desist letter in XX/XX/XXXX as well emailed and verbally informed then of the XXXX XXXX XXXX. Then then Sued me in XXXX a state that I have never lived in nor been to. For the last 5 years now they continue to harass me, friends and family in a attempt to have me pay for the loan. Today XX/XX/XXXX XXXX XXXX with USA Discounters / USA Living. called a third party friend to reach me, also back in XX/XX/XXXX they called the same third party and openly discussed the account with him. I called today XX/XX/XXXX USA Living to discusss why they continue to not fallow the XXXX XXXX XXXX order, I spoke to XXXX XXXX. He claimed there was no XXXX & XXXX on file but did acknowledge the emailed XXXX & XXXX as well as the verbal XXXX & XXXX back from XX/XX/XXXX as well as USA Discounters releasing private account information to the same third arty they called in XX/XX/XXXX he said it on in the notes in the file. I again claims that they will not call me or any third parties again, but I have been told that over XXXX times and it continues to happen.
Consumer complaint received 2024-03-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc. (MS)

Tower Loan has been demonstrated to violate federal law 15 U.S. Code 1692d - Harassment or abuse since taking this loan in XX/XX/XXXX. I have received multiple calls daily over the past few months. This company will call me an average of 4 times daily on different numbers. On XXXX XXXX, a tower loan rep, called me at XXXX XXXX I informed him to cease all communication, and he noted he would put this on my file. I continue to get calls. Tower Loan has also called my aunt, who lives out of state, multiple times, looking for me. She was reprimanded on XX/XX/XXXX for taking this call on her job. She thought it was an important call from a Mississippi number. These calls have become a form of harassment, as I work full-time and can't always answer my phone. XXXX called me today at XXXX XXXX, asking when I would make a payment. She failed to see in the file that a payment was scheduled before calling me. I have included screenshots of calls that have been made over the course of time.
Consumer complaint received 2015-08-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Capital One Bank, USA refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( 10 ) ten business days, via certified mail Number : XXXX, on XX/XX/2015 for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.
Consumer complaint received 2016-10-14
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CT)

Institution ( USAA Federal Savings Bank ) does not want to allow me access to websites and account information regarding an unsecured " personal '' loan that was used for business purposes. Originally I had access to this information but now the company is denying me access to any documents that reference or state the amount they approved of {$50000.00} and any history relating to it. ; This documentation is needed for financial reporting and records. They also canceled my automobile insurance which stayed up to date and other accounts I had with them and restricted online and mobile account access for quite some time due to this unsecured loan being charged off as of XX/XX/XXXX-XX/XX/XXXX. I contacted the company over the phone and in writing on several occasions and the company barely helped if any and the employees did n't even have the clearance or knowledge as to what was going on.
Consumer complaint received 2024-03-05
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions (TX)

I was living in apartment with my mother she put me on the lease with her letting me know dhe would pay the bills while knowing i was in school and couldnt afford the rent causing me to get and eviction on my credit report when i wasnt financially able to since i was in high school paying to get to school and paying to keep things for school and while keeping food for myself and was XXXX working part time XXXX fast food restaurant and while my mother sat home not even trying to pay the bills snd never informing me on the bills not being paid
Consumer complaint received 2017-03-22
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX 2012 30 days past due as of XXXX 2012, XXXX 2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2023-04-16
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: Experian Information Solutions Inc. (TX)

I am a victim if the XXXX data breach there is a Charge off account XXXX XXXX Account # XXXX reporting on my Experian and XXXX credit reports. Both Experian and XXXX have not been able to provide a copy of the 1099-c form or any other documents to verify and validate this account.I am afraid this is a result of the XXXX data breach.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2022-02-28
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Mendelson Law Firm (FL)

ON XX/XX/XXXX XXXX XXXX XXXX MENDELSON LAW FIRM SENT MY EMPLOYER A NOTIFICATION OF GARNISHMENT FOR A DEBT THAT I WAS NEVER NOTIFIED OF NOR SERVED WITH A NOTICE OF A CIVIL CASE ( ATTACHED ). 

From : XXXX XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX PM To : XXXX XXXX XXXX Subject : RE : XXXX Attached is a served copy of the garnishment. Please let me know if you need anything else. 

Thanks, XXXX XXXX | Attorney at Law XXXX Physical Address : XXXX Estate Place | XXXX, Tennessee XXXX XXXX Address : XXXX XXXX XXXX XXXX | XXXX, Tennessee XXXX XXXX Address : www.mendelsonfirm.com Toll Free Telephone : XXXX Telephone : XXXX ext. XXXX XXXX : XXXX This communication is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose. 

NOTICE : The information contained in this electronic mail transmission ( " e-mail '' ) is intended by Mendelson Law Firm for the use of the named individual or entity to which it is directed and may contain information that is privileged or otherwise confidential. It is not intended for transmission to, or receipt by, anyone other than the named addressee ( or a person authorized to deliver it to the named addressee ). It should not be copied or forwarded to any unauthorized persons. If you have received this e-mail in error, please delete it from your system without copying or forwarding it, and notify the sender of the error by reply e-mail or by calling Mendelson Law Firm at ( XXXX ) XXXX so that our address record can be corrected. 

IRS Circular 230 Disclosure : To ensure compliance with requirements imposed by the IRS, we inform you that any tax advice contained in this communication ( including any attachments ) was not intended or written to be used, and can not be used, for the purpose of ( i ) avoiding penalties under the Internal Revenue Code or ( ii ) promoting, marketing, or recommending to another party any transaction or matter addressed herein. 

A CHECK IN THE AMOUNT OF {$2400.00} WAS SENT TO XXXX XXXX XXXX XXXX XXXX CLERK XXXX XXXX XXXX XXXX, XXXX, TN. XXXX XXXX ON XX/XX/XXXX AND A CHECK IN THE AMOUNT OF {$2400.00} WAS DELIVERED TO SAME ADDRESS AND PERSON ON XX/XX/XXXX. 

THE XXXX CHECK WAS RETURNED TO MY EMPLOYER ALONG WITH A " RELEASE OF GRANISHMENT '' FROM XXXX XXXX CIVIL COURT XXXX XXXX XXXX, TENNESSEE FOR CASE NUMBER XXXX ON XX/XX/XXXX. 

I CONSIDERED THIS MATTER RESOLVED AND EXPECTED THE RETURN OF THE FUNDS SENT BY MY EMPLOYER TO XXXX XXXX XXXX XXXX XXXX CLERK XXXX XXXX XXXX XXXX, XXXX, TN. XXXX XXXX. TO DATE I HAVE NOT RECEIVED THE REFUND. 

ON XX/XX/XXXX, MY EMPLOYER RECEIVED ANOTHER GARNISHMENT OF WAGES FROM THE SAME LAW FIRM, WITH THE SAME CASE/DOCKET NO XXXX XXXX THAT I WAS RELEASED FROM ON XX/XX/XXXX ( SEE ATTACHED ). 

I WAS NEVER SERVED NOR NOTIFIED OF THIS JUDGEMENT OR CASE. 

THIS IS HARASSMENT AND POTENTIAL ENDANGERING MY EMPLOYMENT.
Consumer complaint received 2024-03-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I invested into to Capital One Auto Finance XX/XX/year>. ( acct # XXXX ) The means of investment was an extension of credit. The instrument that was used to extend me credit was an application. That application that I filled out and provided to them was a SECURITY. Per their Prospectus report, filed wit the SEC, they stated that they transferred and securitized my security, which is COMMINGLING and SECURITY FRAUD! The {$10000.00} balance posted on my consumer report is INTEREST OWED TO ME!!! I sent them MULTIPLE LETTERS REVOKING THEIR POWER OF ATTORNEY, and didn't get a response. The information posted on my consumer report is FALSE and MISLEADING. Due to this FALSE and MISLEADING information, it shows that you are not properly performing the duties quoted in your indenture, thus you are BREACHING YOUR COVENANT and FAILING TO PERFORM YOUR FIDUCIARY DUTY. The Indenture Trustee and Issuer are required to perform as specified within the Indenture. Capital One Auto Finance also stated that they wouldn't list notes on any exchange, However this is more FALSE and MISLEADING information. I have gotten a CERTIFIED FINANCIAL SECURITIZATION AUDIT done on my account and I PROOF that they are trading on the SECONDARY MARKET!! I have gathered ALL of the Necessary information to pursue Litigation.