davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-12
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. (CA)

I sent a letter addressed to the Credit Bureaus last XX/XX/XXXX requesting that the Credit Bureaus conduct an investigation and correct the information being reportied by the furnishers. I have also sent letter before the said date and have been waiting for the Credit Bureaus to responf and yet they have sent me nothing. The 3 credit bureaus must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX  XXXX Balance {$1200.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$270.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$1800.00} Date opened XX/XX/XXXX XXXX
Consumer complaint received 2018-04-02
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AES/PHEAA (DC)

American Education Services ( AES ) was the original " gate '' loan provider in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I was provided no option to decrease the payments due monthly so they sent the full loan to a debt collection agency without notifying me of what agency, so that I can start making payments. Instead in XX/XX/XXXX, I began receiving countless harassing calls from XXXX XXXX XXXX. 

I could only presume that this was the group that took over the collection of my payments, and so in turn emailed and called XXXX XXXX XXXX requesting to make payments via their online portal. Without this as proof of payment, I was making payments over the phone without any follow-up proof of payment provided. 

On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX 's XXXX XXXX, stating that my account with them was in fact closed, and returned to AES. This same letter indicated that any mark on my credit score should be deleted from my credit report as I was unable to reach there company to make a payment. 

Since in receipt of this letter in XX/XX/XXXX, I have attempted to make repayments via AES, as indicated in the letter. However, I was not able to do so according to AES representatives and I was provided with no additional information. 

In the past 2 months, I have begun to get new robo-calls from 3 new groups, stating they are now the collectors of my payments of the original gate loans from AES. Those companies are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 

Again, I was never told this by AES, nor was I in receipt of any notice that my collection is now with these companies. I called AES today, XX/XX/XXXX, to get clarity and check on why my credit report indicates there is still an issue of delinquency. 

The employee noted that since XX/XX/XXXX, my loan was now in collection by XXXX XXXX XXXX  ( XXXX ). When I called this number on XX/XX/XXXX, it goes directly to voicemail to a company called XXXX XXXX XXXX XXXX. Online, this company is listed as yet another name -- XXXX XXXX XXXX. 

My complaint is against AES specifically for their mishandling of my gate loans, filing a severally damaging credit report, and the companies AES sends loans to for collection. 

To date, I have no clear indication of the company to which I should be making payments and no statement on the history of the loans -- including payments made over the phone to the original debt collection agency, XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-09-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (MS)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA Date Opened : DATE XX/XX/2020 I don't have contractual relationship with this company. I don't recognize this Collection. Please provide me the name and address of the original creditor.. Account Number XXXX Please correct and update it from my credit report. It is completely a violation in accordance with the FCRA that sates : the ACCOUNT MUST BE COMPLETE, ACCURATE AND VERIFIABLE. Please remove it from my credit
Consumer complaint received 2021-04-30
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch (FL)

The supposed Company is Castle Credit that I did have a loan with almost 9/10 years ago. I have been getting repeated phone calls from different numbers that when I searched these numbers, do not even link to Castle Credit. When I have called these numbers, there isn't even a proper vmail. I feel that this is someone that has gained my identity information trying to get me to pay something that has been charged off years ago. 

They use obscene language with me, threatening tactics & I have repeatedly told them to stop calling me because of this said debt being again, years ago. 

I received a generic type letter in the mail that looks like it was drawn up from someone at their home with weird numbers like XXXX which again, doesnt even belong to Castle Credit & when I DID call Castle Credit directly, they also said that they arent the ones calling me that this debt they have classified it as charged off. 

My Account number XXXX for {$780.00} This account was opened by my now, exwife back in XXXX or XXXX, which since I was in the Military and on assignment, I wasnt even there to sign my own name for this loan for a vacuum cleaner but of course I know that I was married at the time so it becomes my debt but she had put it in my name not hers which she should of done and the company shouldnt of accepted the info from her if i wasnt there to begin with. 

They also included a number in the letter that I received that is a different form of type than the rest of the letter XXXX which Castle Credit does have a XXXX main number but again when I contacted then, they know no such number. 

There are other numbers with the area code XXXX but there are just too many to list. Castle Credit also stated that they have not sold my account to any collection agency. The letter that I received is marked from Castle Credit not a collection agency. 

I want these calls to STOP! Especially not knowing who is contacting me & they dont even want me to pay Castle Credit, they are asking me to give them my card numbers which I KNOW is not right!
Consumer complaint received 2021-09-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (NY)

I, the consumer, natural person, XXXX XXXX entered into a consumer credit transaction with Wells Fargo Auto on XX/XX/2020. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Wells Fargo Auto also took cash. The finance charge is suppose to include insurance, but Wells Fargo Auto made me purchase insurance separately. Wells Fargo Auto did not provide me proper disclosure on my right of rescission pursuant to 15 USC 1635 in which they are criminally liable pursuant to 15 USC 1611. They than began to violate the Fair Debt Collection Practices act by using instrumentality of interstate commerce via mail and said I, the consumer owes an alleged debt. I have attached all proof and exhibits along with my complaint.
Consumer complaint received 2021-04-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

On XX/XX/2021 I submitted a 609 letter to Equifax asking them to respond to my letter and provide information on the accounts that are on my report inaccurate and incorrect. My credit report by the law is supposed to be 100 % accurate and verifiable and it is not. 

They have failed to answer me within the 30-day window.
Consumer complaint received 2023-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MD)

this debt does not belong to me i have already ask them to prove the debt, and the documents that was sent back were not of any proof, please delete this account from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (VA)

Account annual fee for the new membership year billed on XX/XX/XXXX. Per established policy according to the bank, a customer has 30 days from when the annual fee was billed to close the account and get the annual fee refunded. I have some family emergency ( spouse delivering baby in XX/XX/XXXX ) and would like an exception from the bank to refund me the {$400.00} annual fee. I requested the closing the account on XX/XX/XXXX, 31 days from the annual fee billing date ( 32 days if the billing day itself is included ). It is just one or two days off.
Consumer complaint received 2015-05-05
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

My complaint or area of concern involves my mortgage not my lender. I really don ' know who else to tell my story as I 've been fighting this battle for the past five years. My issues particularly lie with XXXX XXXX XXXX XXXX XXXX Court in XXXX, SC. I filed for a divorce in XXXX my ex husband was court order to maintain mortgage payments. That order was never obeyed. He emptied the XXXX account which was under a restraining order and never paid the mortgage. Nearly 1 1/2 years went by, XXXX attorneys and XXXX contempt of court order and still no relief. I was a stay at home mother for nearly 17 years ; me and my XXXX children were still residing in the home. My husband voluntarily left his employment as a XXXX ( earning {$86000.00} ) applied for unemployment and food stamps. Took me to Court ( XXXX ) for a reduction in spousal & child support. Two weeks later relocated gainfully employed as a XXXX again earning a higher salary ( {$91000.00} ). During that time of nearly 4 months not a dime of spousal, child support or mortgage payments. I did an engine search and found out he was employed in XXXX. I borrowed more money from friends & family hired a XXXX attorney. The XXXX Contempt hearing XXXX XXXX XXXX my husband was found to be in willful contempt on multiple counts, namely the mortgage. A few weeks later to escape responsibility ( repayment of mortgage at that time it was in the arrears of more than {$30000.00} ) and penalty ( 30 days in jail ) he filed Chapter XXXX in XXXX, XXXX During the Final hearing process he converted to a Chapter XXXX claiming our XXXX minor children as part of his household. He also lied as respects to what he was paying in spousal & child support. Under our lenders request I did have his name removed from the deed early XXXX. I did get relief from Federal Court lifting the " stay '' to complete the divorce. At the time of the Final Hearing I was still unemployed however the Court awarded me the martial home and my now ex relief from mortgage responsibility. Placing the children in I in danger of becoming homeless. I applied multiple times for HAMP & NACCA programs. Until finally reaching out to CFPB which I most grateful and very happy to say assisted with the process between me and the lender. My issue is now my ex husband is attempting to have his name removed from the FHA mortgage/loan. I 've been paying the mortgage on time, I ca n't assume the loan on my own. My children and I have no where to go because of he non compliance with previous orders not paying the mortgage completely wrecked my credit & ability to rent in a safe decent area. Additionally, at the time our XXXX yr. old son XXXX XXXX in a 4 month time frame. I suggested relocating back home near family. The XXXX recommendation was no more major life changes XXXX. The Family Court system interest does n't appear to be in he best welfare for children and mothers. I am afraid the Court will order side with my ex and force me to take his name off the FHA loan. Please HELP!!!
Consumer complaint received 2019-03-06
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. (TN)

XXXX XXXX has a serious delinquency debt on my credit report for {$6600.00}. I disputed this as I have never had a XXXX XXXX account. It was not removed. I contacted XXXX. They said the decimal is wrong and they have it for {$66.00}. I told them I have never opened an account with them. They told to call a collections number as sent to an attorney. I called the collections 4 different times now. I sent in the fraud paperwork. They will not return my phone calls or resolve issue. My credit shows history that I dont leave Bill 's unpaid and pay timely. I am seeking help and have tried so many different avenues. It is fraud and I have never used XXXX.
Consumer complaint received 2019-03-06
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. (TN)

XXXX XXXX has a serious delinquency debt on my credit report for {$6600.00}. I disputed this as I have never had a XXXX XXXX account. It was not removed. I contacted XXXX. They said the decimal is wrong and they have it for {$66.00}. I told them I have never opened an account with them. They told to call a collections number as sent to an attorney. I called the collections 4 different times now. I sent in the fraud paperwork. They will not return my phone calls or resolve issue. My credit shows history that I dont leave Bill 's unpaid and pay timely. I am seeking help and have tried so many different avenues. It is fraud and I have never used XXXX.
Consumer complaint received 2021-08-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I was looking for a 2bedroom apartment in XXXX XXXX. I was following a XXXX  account called " XXXX XXXX XXXX  '' for the XXXX area. On XX/XX/2021 I contacted them with an apartment I saw advertise on their page. Someone responded by the name XXXX XXXX and asked me " to answer some questions before proceeding with the application '. With a few basic questions answered he said I meet the requirements for this apartment. He then asked for my contact XXXXnformation and asked if I have " XXXX ''. We continue the conversation on XXXX, he sent me the rental application on XX/XX/2021. I filled it out and return it with the application fee through the Chase/XXXX  for {$150.00} X2 for my son and I. In the next 24hours XXXX XXXX stated that the application was approved and the next step was to send a deposit to hold the apartment pending viewing. Also stating that " all fees paid remain refundable until final lease signing. So at this point I jumped at the opportunity and sent the deposit amount of {$1800.00}, through Chase/XXXX. XXXX XXXX confirmed payment, said the apartment has been secured and now only need to pay the brokers fee of {$500.00}. This time I was unable to send this payment through Chase/XXXX  because of a limitation from the Bank. XXXX then suggest that I send payment through XXXX with this phone number XXXX the name attach to this number was XXXX XXXX to try. A scam message showed up, XXXX said that it was because this was my first time sending to that name. That payment failed and he sent me a new number to try XXXX also failed payment, we try one more number through XXXX XXXX name XXXX XXXX this payment was accepted. The next day now the XXXX of XXXX mark asked for the first month rent to proceed with the lease, keys, and move in date. I had asked him about the paperwork for the landlord to fill out for my section 8 voucher, he said to send it to this e-mail XXXX or to XXXX XXXX XXXX was a coworker of his. This was the last time I had heard from him, I have tried all of the numbers and e-mails and still no response. I have contacted Chase about this and they said since I did this transaction with XXXX there is nothing they can do about this. The total of this transaction was {$2600.00}.
Consumer complaint received 2018-10-01
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: Total Card, Inc. (AR)

On XXXX/XXXX/2018, I sent The XXXX XXXX XXXX a Validation Letter asking them to provide documentation. The attached return receipt shows that the letter was received on XXXX/XXXX/2018 and that Sue signed for it. It is now XXXX/XXXX/2018 and I have not received anything from The Bank of XXXX XXXX. It shows 2 separate accounts on my credit report from them. Both accounts are showing a credit limit of {$300.00}. I have never heard of this company and I've never done business with them. In the payment status comments, It shows that the account had been transferred to XXXX XXXX XXXX but, Its listing Bank of XXXX XXXX as the company that is reporting the negative account. Not XXXX XXXX XXXX. I have had someone to steal my identity in the past and these are definitely not my accounts. The address associated with this account is not even the address that I lived at. I will provide a Lease showing the address where I stayed
Consumer complaint received 2020-12-08
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc. (NC)

On XX/XX/XXXX, I filled for bankruptcy in the state of North Carolina. I made my payments faithfully to the trustee. On XX/XX/XXXX, the bankruptcy was dismissed. At that time I notified Chrysler Capital that I would be making regular payments on the account until the monies that I paid into the court were returned to me, then I would pay the full balance to catch the account up to date. I made a payment on XX/XX/XXXX and XX/XX/XXXX, I also made an extra {$100.00} XX/XX/XXXX. I plan to make another payment on XX/XX/XXXX, when I receive my next Social Security XXXX payment. I was advised that it could take up to 60 days for the funds from the bankruptcy court to be returned. My car was repossessed with no notice that they were going to do that. I advised Chrysler Capital 3 times of the situation.
Consumer complaint received 2021-07-01
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am XXXX XXXX XXXX  XXXX. Ordered off line over phone a XXXX XXXX XXXX XXXX XXXX internet ad in XXXX XXXX Library read " Shooter Grade ''. Called XXXX and gave serial number. Was advised not to shoot XXXX XXXX XXXX recalled this XXXX, since had defective firing pin that could break and " slam fire '' and cause bodily injury. Logged out XXXX to local gunsmith for implied warrantee of merchantability or fitness. Filed dispute with Capital One pending. Spoke to store manager, wrote emails. XXXX. On XX/XX/XXXX received via certified mail a NOTICE OF BAN from different store manager of investigations and analytics to cease and desist from any form of communications with that retailer. Wrote to lawyer if my civil rights, ADA violated. ( 42-USC 1983 ). Called Capital One Mastercard today and agreed that card can be used on third party trandactions undet Regulation Z. Pay, charge ok Cap. One! Am XXXX and have registered XXXX XXXX XXXX. Please assit.
Consumer complaint received 2020-12-08
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. (OH)

I have an account from XXXX XXXX # XXXX that is Fraudulent activity on it! I have requested that XXXX XXXX froward me a copy of the contract and Itemized statement. There is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. This is my official Police report on file. 
This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are in compliance with OHIO LAW. The following account are still unverified : VIVE FINANCIALPlease notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts If you do not remove this items in a timely matter I will file a law suit under section 617 under the color of the law. 



My current and only address is XXXX XXXX XXXX , XXXX, OH XXXX Please remove the following addresses they are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX