davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
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: EQUIFAX, INC. (GA)

I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.
Consumer complaint received 2021-03-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC. (OR)

I'm getting threatening letters from Midland Credit Management there going to have the sheriff or police put me in jail.To personally file a lawsuit. I've been XXXX by the federal government since 2014 and still XXXX
Consumer complaint received 2020-05-06
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

I ran my credit once in XXXX and recently in XXXX in XXXX XXXX XXXX auto and I recently checked my report and I have companys running my credit that I never heard of or gave my social security number out for no reason what so ever. My credit has dropped and I just want to remove the unapproved one one by one
Consumer complaint received 2019-10-29
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. (LA)

I mailed in several documents about identity theft and inaccurate information being reported to all the bureaus XXXX, Experian, and XXXX. All companies have not fully complied with the Fair Credit Reporting Act and it is disturbing me that I have requested verification and validation of whom the reporting agent is to the fraudulent accounts. Student loans accounts totaling up to $ XXXX do not belong to me as I have not had any financial obligation to a loan from any school whatsoever. I mailed in documents identity theft affidavits, other agencies that made claims of a debt that I have not saw any validation from the bureaus to confirm anything attaching me to a contract or a actual debt I owe. I began disputing this information in 2017 and still have not had success clearing up this fraud that is giving me nothing but problems. I have faxed over documents to XXXX several times within the last 5 months. The only company that has almost complied is XXXX, every other company has not done there job to report information accurately.
Consumer complaint received 2016-10-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Capital Accounts, LLC (FL)

On XX/XX/2016, I received a debt collection letter from a company called Capital Accounts in the amount of {$310.00}. The only information provided was the name of the person retained by them, XXXX XXXX XXXX. On XX/XX/2016, in a written letter, I requested proof of the debt, the amount, date and time when incurred pursuant to the Fair Debt Collection Practices Act. On XXXX, I received a XXXX debt collection letter from Capital Accounts, ignoring my request for more information as outlined in my XX/XX/2016. In this XXXX letter the amount went from {$310.00} to {$310.00}, no explanation for the increase. Also there was included in the letter XXXX sentence that was threatening and very ominous sounding, " Do not ignore this letter. '' I am not sure what is meant by that sentence but it does have the effect of scaring me. I want proof of the debt and to date I have not received any proof despite requesting it. Capital Accounts should comply with the law when it attempts to collect a debt.
Consumer complaint received 2020-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to  receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF EDUCATION/XXXX  XXXX this account payment history is incorrect. The account reflect three 120 late 's XXXX and two 120 dates consecutively in XXXX, An account can not have the same amount of days outstanding consecutively every month. This account has never been late. Please update DEPT OF EDUCATION/XXXX  XXXX this account payment is incorrect. The account reflect three 120 late 's XXXX and two 120 dates consecutively in XXXX, An account can not have the same amount of days outstanding consecutively every month. This account has never been late. Please update. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2017-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

On XXXX XXXX, XXXX, I realized that Experian placed an account back on my credit report that had been previously deleted. I have contacted them by phone and letter to remove the account. However, on XXXX XXXX, XXXX, the XXXX XXXX XXXX account was updated. On XXXX XXXX, XXXX, I contacted Experian regarding the account again. I indicated that the account has been placed back on my credit report after being deleted. I also indicated that the account was updated. The representative stated that no information was updated on the account but the creditor just did not state to remove it. I asked for validation of the account and was told that Experian is not required to receive any documentation from the creditor. I asked for a phone number and address for XXXX XXXX XXXX. I was given the following information : XXXX. I was told to ask for their address when I contact them. I called the number and reached a debt collection agency by another name. I called Experian back. I was provided the same phone number and no address. I indicated that the number given is not correct information. I proceeded by asking the question : How are you as a credit reporting agency stating that you are reporting correct information and taking the word of some company when you have not truly verified that validity of the company ( name, address, phone number )? Also, Why is it that every time I call and state that the account was previously deleted and asked for you all to go back in your records to verify that it was previously deleted no one can seem to research and answer my question? The representative indicated that the contact information may be incorrect and I should research the web to find the correct information. I responded by stating, " I did before calling you all back this last time and will just forward my concerns to CFPB. ''
Consumer complaint received 2023-03-09
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: Experian Information Solutions Inc. (TX)

I am writing in regard to the above-referenced accounts and transactions. This vehicle was repossessed by in the State of GA on or about, XXXX, and resold on or about XXXX. Under the laws of the State of GA UCC and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. There was no full investigation of reasonable procedures for my dispute requests NOR was my DEMAND for validation through documentary material met. I was only given an updated report, that showed no updates.. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void and any continued collection activities, or continued reporting of this invalid claim on my credit reports, will be considered a violation of the FDCPA and FCRA.
Consumer complaint received 2019-10-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

Back on XX/XX/XXXX I filed a complaint against this XXXX/Loan Care company because I felt was very unfair I would be penalized to pay an extra {$10.00} for online payment. 
On XX/XX/XXXX a rep from Loan Care called me, said they would do a one time courtesy refund for the first 2 {$10.00} taken and advice that if I set payment to process as auto draft I would be waived the {$10.00} every month. I was only refunded {$10.00}, never {$20.00}. 
I did so, setup auto draft, but due to their system take 2 month almost to process, I was forced to call in XXXX because I got a letter stating my first auto draft would be XX/XX/XXXX, I called to let them know I did as told and set it up for XXXX ( ya-ri-ya-ri-ya ... explaining ), spoke with XXXX on XXXX at XXXX XXXX, he apologized and said as ( again ) one time courtesy, seem all they do is first times, he would take the payment over the phone with out fee and confirmed next pymt would be auto drafted ( XX/XX/XXXX w/o fee - which happened ). Now I am getting a statement in which they added that fee that XXXX clearly said would be waived. Once again had to called Loan Care, spoke with XXXX today XXXX at XXXX XXXX, he read out the notes. He confirmed the XX/XX/XXXX conversation, saw notes about refunding my {$20.00}, I told him only got one and also read the XX/XX/XXXX notes which I paid w/o fee bc was waived. Now they want those {$10.00}. Clearly this company can not be trusted, each rep gives you a different story, no management comes to the line or supervisor to speak with.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2019-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Nelnet, Inc. (GA)

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX. 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 2017-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (MA)

In XX/XX/XXXX we received a letter from our mortgage company stating that our mortgage was going up from XXXX to XXXX because of our future tax bills. ( Projected taxes XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX ) I understood why this was happening it was due to a past due water bill that was assessed our taxes last year and we have since paid off. We spoke to the mortgage company last Friday and they said all we would need would be a letter starting our estimated takes for next year. So that is what I got. The person at the town hall said they can not give actual bills for XX/XX/XXXX and XX/XX/XXXX because the do not exists yet and will not exists till XX/XX/XXXX. I called the mortgage company today to see what my new bill would be and they said they can not make any changes because they " can not make changes on estimated amounts '' yet the amount the are charging us is in fact an estimated amount. What can I do. We really ca n't afford this XXXX more a month and the mortgage company does n't seam to want to work with us. Please help
Consumer complaint received 2016-07-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TRANSUNION REPORTS XXXX, XXXX XXXX XXXX, ACCT. XXXX ON MY CREDIT REPORT.ON XXXX/XXXX/2016 THE ACCT WAS SETTLED FOR MORE THAN THE XXXX REPORTING ( SEE BANK STATEMENT ATTATCHED ) .SO A FEE WAS ADDED BY XXXX.THE AMT. AND DATE PAID ARE NOT LISTED ON THE CREDIT REPORT.IN CALIFORNIA ANY FEE IN EXCESS OF THE COLLECTION AMOUNT MUST HAVE BEEN LISTED ON THE ORIGINAL CONTRACT ; OTHERWISE IN CALIFORNIA, AS IN THE CASE HERE, THE FEE CHARGED ON XXXX/XXXX/2016 WAS ILLEGAL.IF THE CREDITOR THINKS ITS LEGAL PUT THE TOTAL AMT PAID AND DATE PD ON THE CREDIT REPORT
Consumer complaint received 2017-06-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CONDOR CAPITAL CORP (NC)

In XXXX, I was made aware that Condor Capital had been forced to close their offices in XXXX due to predatory loaning practices. I then received a bill from Condor Securitization Trust, and was told to make my payments to them. In XXXX I began to suffer financial hardship as I found myself homeless due to unforeseen circumstances and began falling behind on payments. In XXXX I decided to move out of state and voluntary-surrendered my vehicle and this is where all of the frustrations began. After surrendering my car on XX/XX/XXXX, the company could not tell me the status of my vehicle. I requested further information on the location of my vehicle and never got one. They could never provide me with further information and every time I called I was n't given proper information. My car was auctioned off and I did not receive a notice of sale until after the sale was made in the amount of {$2500.00}, leaving me with a balance of about {$11000.00}. After covering the repossession fees only {$1500.00} of the sale was put toward my loan. I finally found work and wanted to begin making payments toward my loan. Since I had n't heard from the company I decided to reach out to them to try and work out a payment arrangement that was less than {$380.00} as I 've just started working and took a reasonable pay cut because of the area I moved to. They proceeded to tell me there was nothing they could do. I asked to be transferred to a legal department or collections department and was told they could n't do that. I was told I could make payments online and that my account was fine. When I went online, and tried to make a payment the site said I could not make a payment with a credit or debit card and needed to call them back. So I immediately call them right back and was transferred to this woman who claimed that my account had miraculously been transferred to the escalation department ( in the matter of 10 mins. ) and that i could only make payments via XXXX XXXX or XXXX XXXX. Then as I reviewed my account it says that my last statement created was inXX/XX/XXXX, but they claim they 've tried to get a hold of me to make payments, but I updated my account information with them when I moved and never received anything from them. Then the website says the last payment made on the account was onXX/XX/XXXX, but they claim I am 108 days late on making a payment. I am frustrated and feel as though something sketchy or unfair is taking place because the company can never give me a straight answer.
Consumer complaint received 2020-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Comerica (MD)

XX/XX/2020 - {$200.00} - unauthorized amount was removed from card {$100.00} -Unauthorized amount was removed from card Between XX/XX/2020 to XX/XX/2020 - I contacted the company to resolve the issue of the unauthorized withdrawals and nothing was done. 

A claim was not completed by the company until XX/XX/2020 by that date a total of {$1300.00} in unauthorized payments were withdrawn from my account. 

I have not been refunded any of this money despite my consistent calls and efforts. 

The only thing that the company did was to issue me a new card. 

The Company name is Direct Express I am a senior living on a fixed income and this is money from my monthly social security. 

The only thing that Direct Express advised me to do was to start an investigation by completing paperwork that they mailed out which I did. I sat on the phone for hours 1 to 2 during each call which was over 3 calls. They mailed a letter stating that they could not determine fraud occurred even though the unauthorized purchased appeared for the same location and a location that I do not attend. 

I also have a police report for this matter that has been reported to my local police department dated XX/XX/2020.
Consumer complaint received 2017-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Bank of America reordered transactions so my paycheck deposit came after two debits and cost me {$70.00} in overdraft fees. The debits were not on my account the day before and then at XXXX appeared on my account along with the paycheck deposit.
Consumer complaint received 2024-02-29
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I have tried to submit a dispute with Experian over fraudulent information reporting on my file. I have submitted all documentation to have the fraudulent information blocked yet Experian keeps responding with a false response saying : 1. One copy of a government issued identification card, such as a drivers license, state ID card, etc. 
One copy of a utility bill, bank or insurance statement, etc. 
2. Specific dates such as when the loss or theft of personal information occurred or when the fraud ( s ) occurred, How you discovered or learned of the theft, Any known information about the perpetrator, The names of creditors and account numbers involved in the theft ; Name and/or badge number of the law enforcement personnel who processed the report, The filing date and case number. 
3. It was not filed with a law enforcement agency which subjects the person filing the report to criminal penalties relating to the filing of false information. 

This is false as I will attach the exact documentation that I sent to Experian over 50 times. These accounts are fraud.
Consumer complaint received 2017-08-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (TX)

In submitted a written request for debt validation, on XX/XX/XXXX, to NCB Management Services. This letter was sent certified mail and was delivered and signed for, on XX/XX/XXXX. Under Texas Finance Code Section 392.202, NCB was to provide information that this debt was owed by me, how they calculated the amount owed, and that they were licensed to collect debt, in the state of Texas. According to that statute, if the debt was not validated within 30 days, NCB must cease all collection efforts and send notices to me and all credit reporting agencies that this account should be removed. I waited almost 45 days, without one word of response from the collection agency. On XX/XX/XXXX, I sent another certified letter, which was delivered, as of XX/XX/XXXX. Yesterday, I received a letter from NCB Management Services that I did not provide sufficient information, for their investigation. If memory serves me correctly, I requested for them to validate the debt that they claim is mine. I was asking them for information, which they did not provide. I sent copies of the original letter and the certified receipt, which they did not speak to or address. How can they get away with not doing their jobs? This place is putting stuff on my report that they ca n't even prove is mine. It 's not fair. I 'm trying to follow the proper channels, but this is frustrating.