davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (GA)

Fraud has been committed on my Consumer Report which violates the FCRA and FDCPA. CREDENCE RESOURCE MANAGEMENT , LLC is using extortion means to collect an alleged that I do not owe that resulted from extension of credit which violates Title 18 United States code 892-894 and constitutes racketeering activities and extortion. This is a notice sent per the Fair Debt Collection Practices Act the ( F.D.C.P.A. ) 15 U.S.C. 1692 ( G ) section 809 ( B ). This notice states that your claim is disputed and the validation of the account is required *purchase agreement* Evidence that you are a licenseded debt collector *Chain of Title* Proof your are license to collect a United states debt and enjoy it *A requested copy of your XXXX XXXX XXXX XXXX XXXX XXXX XXXX  . THIS IS A REQUEST FOR A COUNTY REQUEST REGARDING THE LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C $ 9-210 This authenticated record must include all tax filings ( including all 1099s 1096s and 1098s ) any and all trades or investment and/or interest is associated with this account of which I am alleged to be a party. I have a right to this information as it's directly associated with the reporting activities. please settle the account immediately and cease all Communications activities and have the tradeline line deleted from my Consumer Report. Also see attached letter
Consumer complaint received 2024-05-17
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (NY)

NetCredit has been erroneously charging me 26 statements/fees a year, instead of 24. Their agreement states that if you are paid bi-weekly, you get charged 26/year, and 24/year. I am paid bi-weekly and I have that in my profile so I should charged 24/statements ( FEES ) a year, not 26. I asked them numerous times to update this, as recently as filing a formal compliant on XX/XX/XXXX, and they've failed to do so. I've also asked that they refund me the fees for the extra billing cycles they've charged me, and they've failed to do so. 

This is my last step to try to resolve this before I go on XXXX and other social media sites and post my experience, and then refer this to my attorney to file a lawsuit against NetCredit.
Consumer complaint received 2020-10-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2020 XXXX came to my home to perform a {$99.00} air duct cleaning of my mobile home. While at the house, the technicians told me my home was in danger and I could get sick because of build up and mold in the duct system and that I needed a full fogging of my home. They also told me the unit needed to be cleaned to prevent any future problems and a special UV light should be installed to warn me against possible build up and problems in the future. I'm XXXX and panicked. I trusted the technicians because of the name XXXX. They had me sit outside of the house on my porch and proceeded. At the end, they gave me a bill for {$1700.00}. I am on a fixed income and don't have that kind of cash so I put it on my credit card. 
Once they left my air conditioner never worked well. It would go on and off and on and off. At this point I called XXXX of my sons who had an air XXXX come in. He said that the last people in the unit left a piece of metal casing touching the inside power supply causing constant shorts and could have started a fire. 
I am awfully embarrassed that I was taken advantage of. I asked my son for help and he wrote to XXXX two or three times and called them many more. They have never ever responded. We called my credit card company who were very kind and upset at what happened to me. Unfortunately, they said that it was too long ago for them to chargeback and they suggested I write to you and ask your help.
Consumer complaint received 2019-11-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I received a wire transfer from my job of {$6100.00} and {$400.00} was my commission and on XX/XX/XXXX i received another wire of {$5200.00} and {$300.00} was my commission. The same day i deposited the money to my company i get a call from my bank saying they are closing my account because the bank was recalling the money wired to my account. I tried to get a confirmation for the bank but no luck. I filed a police report to see if that would help but still no luck.
Consumer complaint received 2021-02-23
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)

SEE FTC AND EQUIFAX REPORT : ERRORS SEE ATTACHMENTS : XXXX XXXX XXXX XXXX WRONG XXXX XXXX XXXX WRONG Social Security Number xxxxx XXXX CORRECT Age or Date of Birth XX/XX/XXXX XXXX  CORRECT XXXX XXXX XXXX XXXX hippa VIOALTIONS. 
MORE WRONG INFORMATION WILL UPLOAD IN ATTACHMENTS FOR ALL PROOF XXXX XXXX  XXXX XXXX XXXX  DATA BREACH OR FCRA VIOLATIONS I'M NOT THE EXPERT YOU TELL ME
Consumer complaint received 2021-05-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (SC)

I never get a payment is due notice to my email. This feature is turned on in my account. I also only request electronic mail. After I paid my minimum due payment early and then I checked my account it showed {$0.00} due payment. Target then deducted an additional {$35.00} from autopay without my knowledge. Because there was not enough money in the bank I was charged XXXX overdraft fee. All my bills this month were paid thats why I was stunned to see this. All I got from target was an apology. This is not the first time this has happened. Also some of their employees give out wrong information regarding this problem. When I pay the minimum due early I am paid until next billing cycle.
Consumer complaint received 2019-11-04
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: AMERICAN EXPRESS COMPANY (LA)

Please see my attached letter case # XXXX. 

Please do not publish this request if American Express and merchant or manufacturer accepts their mistakes and send me a replacement of delivered defective/irregular/damage furniture with the exact furniture that they specified on their schematic, advertised and guaranteed in their catalog/website. People makes mistakes but has to accept their mistakes and handle the customer fairly.
Consumer complaint received 2019-11-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (NV)

I fell behind on my mortgage after my business failed. I have been building my business back up after the crash and I am now able to make payments on my mortgage. I have applied for assistance with my mortgage company and I am asking them to post phone my foreclosure sale date in order to review me for assistance. I have submitted by fax a complete financial assistance package / loan modification request. I wish to save my home.
Consumer complaint received 2020-05-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (MA)

We lost our home to a fire in XX/XX/XXXX. With the initial insurance proceeds we paid off our existing mortgage with a different mortgage company, liquidated the majority of our funds in an IRA account, and rebuilt our home. The construction was complete, all contractors paid, and we moved back in XX/XX/XXXX. We had no General Contractor, and everyone who worked on the rebuild was paid as agreed, but we did not obtain official " pain in full '' invoices. 
We closed on our mortgage with Flagstar in XX/XX/XXXX. 
In XX/XX/XXXX our insurance company released the final holdback funds in the amount of {$46000.00}, and because Flagstar is now a lienholder on the property they need to endorse the check. 
Every interaction I have had with Flagstar 's Loss Draft department has resulted in a different set of requirements to release the funds. We have had an additional inspection with pictures, produces invoices we had, and instructed our Adjuster to submit all documentation we had provided ( including cancelled checks and original contracts ), that was submitted to the insurance company to prove they were paid. 
On XXXX I was told by Flagstar ( XXXX ) that I would need the Conditional Waivers of Lien completed, and that would satisfy the requirement. 
On XX/XX/XXXX I was told by XXXX the same. 
on XXXX I was told by XXXX that 3 of the Conditional Waivers needed to be amended to include the contractors ' Tax ID numbers, and an assertion that all work was completed per the estimate. This was submitted. 
On XX/XX/XXXX ( a State Holiday ) at XXXX I missed a call from XXXX and she left a message that they had tried to reach out to one of the contractors to have him submit a paid invoice. 
On XX/XX/XXXX I spoke with someone at Loss Draft who told me that I need to get official paid invoices from ALL of the contractors. 

We are getting frustrated with the continuously moving requirements, and the contractors are long past frustrated with the constant requests for additional documentation.
Consumer complaint received 2020-10-12
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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Dear Manager Capital One ; Hi & How are you doing? Im a little confused about how the late payments are reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 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, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. 

What I am disputing : The late payments you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Consumer complaint received 2020-10-12
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)

TransUnion is reporting the following items inaccurately. Can someone please look into this. Thank You ACCOUNTS DEPTEDXXXX   XXXX inaccurate DEPTEDXXXX XXXX inaccurate DEPTEDXXXX XXXX inaccurate DEPTEDXXXX   XXXX inaccurate DEPTEDXXXX XXXX inaccurate DEPTEDXXXX  XXXX inaccurate DEPTEDXXXX   XXXX inaccurate DEPTEDXXXX XXXX inaccurate DEPTEDXXXX XXXX inaccurate XXXX XXXX inaccurate US DEPT ED XXXX inaccurate US DEPT ED XXXX inaccurate US DEPT ED XXXX inaccurate US DEPT ED XXXX inaccurate US DEPT ED XXXX inaccurate US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX inaccurate US DEPT ED XXXX inaccurate US DEPT ED XXXX inaccurate XXXX XXXX XXXX inaccurate
Consumer complaint received 2017-08-11
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: EQUIFAX, INC. (MA)

XXXX. XXXX has incorrect hard inquiries on my Equifax, XXXX, and XXXX credit report. They are showing inquires from XX/XX/16. Inquiries that I did not authorize I do not know what XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquires from my Equifax, XXXX, and XXXX report. The inquiry date is XX/XX/16. I would like this inquiry removed immediately as I did not authorize it.
Consumer complaint received 2020-10-12
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. (KY)

This letter is in response to your recent claim regarding account [ ItemNameAccountList ], which you claim. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 

Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 

As per FTC opinion letter from Attorney XXXX XXXX, you should be aware that a print out of a bell or itemized document does not constitute verification. 

I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. 
I further remind you that you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claim action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : - Defamation - Negligent Enablement of Identity Fraud -Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) - Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I was shocked when I received my credit report and found a late payment on the date below.
Creditor : XXXX Account # : XXXX I was never late 30 days in XXXX 2015. I am not sure how this happened. I have always made my payments on time. My only thought is that there was a billing error with my statement.
Consumer complaint received 2019-11-04
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have been trying and have been unsuccessful to correct items on my capital one account ending in XXXX. They are stating I was late on this account on several occasions, which is not true. They show a late payment XX/XX/XXXX and for XXXX and XXXX of XXXX. This information is incorrect and has never been late, but yet they still show on my report as late. I was told by the Capital One customer representative at the time that there was an issue with the system and that may have caused these to show late during the XXXX  year. I didn't think these items would show on my account. I don't believe I should be punished for the mistake of capital one. These mistakes have caused me issues when attempting to purchase a house and it's taking a financial toll on my life as well as my family 's life. Please correct these late payments to show in good standing and show I paid on time. Thank you XXXX XXXX
Consumer complaint received 2023-04-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

I was the victim of a scam on XX/XX/2023, as a result of which I made ( under fraud ) 3 transactions totaling {$1000.00}. I called Venmo immediately, even before the money was deducted. They refused to take any action immediately, pushing it off up to 2 weeks. As a result, instead of canceling the transactions and saving me from being a victim of a scam, they let it process and allowed for the deduction. They then wrongfully denied my claim, without any follow up questions or requesting proof. I managed to stop the payments from my bank, but venmo is now holding my account hostage until I pay the full amount ( they also took my venmo balance hostage ). All of this could have been avoided if they took action as soon as I reported it and stopped the money transfer, which is reported within minutes. 
Venmo basically allows scammers to commit fraud, and let 's their customers be taken advantage of. Instead of taking action, they state they will investigate within the next 2 weeks. They could have immediately frozen the scammers account and prevented any loss. They also denied my claim of fraud without a proper investigation. They now hold mt account in arrears and threaten to go to collections, because of their inaction.
Consumer complaint received 2020-10-12
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. (NV)

There are some medical debts that are listed on my credit reports that are not mine. I have provided my personal information to show that I am a real person, and that I am not a credit repair or mortgage company. Please remove these debts that are not mine. Thank you.
Consumer complaint received 2019-11-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

I recently reported fraud with my checking account. I am waiting for the bank to credit my account. In the meantime, I have contacted all my lenders and credit card companies. All except Navient are willing to work with me. 

My other student loan company offered the option of deferring my loan. Navient just calls almost everyday. The phone calls also included robocalls. Today l received seven calls. I was at work and spoke to someone at the end of my work day. I explained the situation again. They have called me 32 times since XX/XX/XXXX. 

Here is a brief overview of dates and number of times Navient has called me per day : XXXX 2 calls XXXX 3 calls I explained the situation XXXX 3 calls I explained the situation XXXX 3 calls XXXX 1 call XXXX 1 call and I explained that I was still waiting for the fraud investigation to end and for the bank to credit my account. The Navient representative basically told me " That won't stop the phone calls. '' XXXX 4 calls XXXX 4 calls XXXX 2 calls XXXX 2 calls XXXX 1 call XXXX- 7 calls I received all the calls while I was at work and answered the last one at the end of my work day. The representative gave me the option to opt of of robocalls and texts only after I said I would contact the Federal Trade Commission. I explained that I am still waiting for the fraud investigation to finish and for the bank to credit my account. 

I feel that this is harassment and Navient needs to give borrowers options in this type of situation. It is already stressful enough.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (VA)

Lexis Nexis is reporting a huge amount of errors they are as follows : Lexis Nexis Consumer # XXXX Wrong Name I have never used this name nor do I accept anything in anothers name Records 18-20 Wrong Name I have never used this name nor do I accept anything in anothers name Records 25-27,37,41,57 Record 1-4 not my email address Record 5-8 I never had these email Insurance Policy Records Record 1 I have never had this insurance company and I have never had a return check Record 3 I have never had a drivers license in new York Record 4 they never reimbursed me for a rental I was not at fault I was not the one involved the person committed insurance fraud there was absolutely no damage to the XXXX XXXX Section 10 Records 2-5 I have only had/have a license for the state of Virginia and international drivers permit Alleged DL violation details Records 1-3, 5-8 ALL THESE FRADULANT CHARGES WERE NOL PROCESSED, NOT A CONVICTION Record 4 I have never been convicted or cited for driving under suspension or revoke Record 13-15 ALL OF THESE CHARGES WERE DROPPED THERE WAS AND IS NO CONVICTION Records in the CLUE section Record 1 CLUE File # XXXX I have never had a policy with XXXX XXXX XXXX XXXX CLUE File # XXXX, # XXXX, XXXX I have never had a policy with XXXX , I have never had a policy with XXXX XXXX, I am not XXXX XXXX. 
Addresses : Address ID # XXXX this is a nonmailable address, this is an address that is over XXXX years old # XXXX this is not an address I have ever lived at it is a nonmailable address You must remove ALL the listed addresses on the report ALL of them are nonmailable, ALL of them are over XXXX years old. Please update your records with the proper mailing address : XXXX XXXX XXXX XXXX VA XXXX Additionally, without providing a valid contract binding me with any alleged " creditor '' and/or arbitrary verification pursuant to said contracts, they must be removed from showing anything negative in their reporting.