davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I am in the process of mailing a notice including this relevant information to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MN XXXX. 

As a summary, the debt collection company is not following debt collection practices in the area of suing me, sending me the wrong information and notices of intent to apply for default judgment when they are disregarding three key Minnesota Court Rules : Minnesota Court Rule 5.02 ( c ) ; Minnesota Court Rule 355.02 Subdivision 2 ; and Minnesota Court Rule 5.04 ( b ) 2020 Amendments.

" This message is to inform you ( any practicing lawyer at that you are not following Minnesota Court Rule 5.02 ( c ). Effective Date Of Service; and Minnesota Court Rule 355.02 Subdivision 2. Service By US Mail. These rules state that service by US Mail, which is how you were served, is completed upon mailing. I have provided copies of my certified delivery receipts and tracking numbers and delivery notifications when entered into the United States Postal Service website, indicating both the date of mailing, XXXX XXXX, 2021, and the tracking numbers indicate receipt upon XXXX XXXX, 2021. Your message, also included, states your affidavit was served on XXXX XXXX, 2021. The mailing date is, therefore, within acceptable delivery timeframe pursuant to your Summons and Complaint. I have enclosed a relevant information page of your request for discovery rules, dated XXXX XXXX, 2021 as proof of your receipt of my Answer as well. XXXX Tracking Numbers XXXX and XXXX. 

You have not complied with Minnesota Court Rule 5.04 ( b ) 2020 Amendments to provide a separate affidavit of service of your Notice Of Intent To Apply For Default Judgment. Failure to send an affidavit in a separate delivery violates this amendment as : Rule 5.04 ( b ) is amended to expressly require that proof of service be provided either by : ( 1 )... or ( 2 ) by filing a separate certificate of service. The amended rule specifies that a certificate of service must be signed under oath or penalty of perjury by the person effecting service. The certificate must also establish the specific time and manner of services, as this information is often required to determine the deadline for response. As this was not properly provided in a separate envelope or other separate mailing package that does not include the form it describes, your Notice Of Intent To Apply For Default Judgment is not valid for your stamped date of XXXX XXXX, 2021 and will not stand contest or appeal in court unless you can supply documentation of a separately mailed Affidavit of Service, typically via certified mail receipt ( s ).

As I have complied with Minnesota Court Rule 5.02 ( c ) and Minnesota Court Rule 355.02 Subdivision 2, the included copy of relevant information from your message noting the intent of obtaining a default judgment, dated XXXX XXXX, 2021, is false. ''
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Medical Data Systems, Inc. (SC)

In accordance with the fair reporting act Convergent Account # XXXX via Medial Data Systems has violated my rights 15 USC 1681 Section 602 States I have the right to Privacy.

15 USC 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit medical collection account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2020-12-04
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. (VA)

I have mailed out a letter and called them Equifax! When i called they said they never got my letter .. when i mailed my letters i never got a response. Ive got letters from XXXX XXXX  inquiry date XX/XX/XXXX stating the inquires should be removed and they still showing, XXXX  XXXX inquire date XX/XX/XXXX the company never replied back to the XXXX  within time and needs to be removed per FCRA, I also got a letter from customer one stating the inquires should be removed and they still reporting it this is a violation per FCRA and should be handled promptly. I FEEL LIKE THE EQUIFAX COMPANY IS BLATANTLY NOT RESPONING TO MY LETTERS AND REQUEST
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (LA)

Wells Fargo auto has violated my rights 15 USC 1681 sections 602 state I have the right to privacy.

15 USC 1681 sections 604 A section 2 : it Als states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit Card account under an open end consumer credit plan as late for And propose.
Consumer complaint received 2021-05-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PENTAGON FEDERAL CREDIT UNION (AZ)

I paid this auto loan off in full & Penfed credit union received payment on XXXX, it is now XXXX, almost 5 months later and they still haven't completed the electronic lien release like they should have done within 1-2 weeks after I paid the loan off. I called them several months back and they were supposed to complete then and follow up and call me back. That never happened, I am now in the process of trying to sell the vehicle XXXX  XXXX XXXX # XXXX. I can't get a title or complete the sale until this is completed and the buyer is getting ready to walk from the sale due to these delays & mistakes by Penfed credit union. I have been on the phone with them again multiple times per day again since Monday XXXX and I requested they complete this several times a day and they still haven't completed the electronic request/lien release with the DMV/department of motor vehicles after 10+ requests at this point as I just went yet again to the local DMV to try and obtain the title to sell the vehicle. PenFed credit union / XXXX / www.penfed.org is responsible & the loan # XXXX, XXXX  XXXX XXXX.
Consumer complaint received 2021-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IL)

I recently checked my Experian report and saw a fraudulent collection from XXXX XXXX XXXX. 
I have never done business with this company I dont know this company this company doesnt have a contract with my signature. 


I reported a fraud report with FTC.gov on this situation.
Consumer complaint received 2020-06-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (IN)

Arvest Central Mortgage began servicing my mortgage on my home in XX/XX/XXXX after the purchase of my home. Since that time, I have paid a bi-weekly payment to Arvest of {$1200.00}, with the last {$1200.00} being paid before the XXXX of each month to ensure the monthly payment is not late. Rather than applying my payments each month to the mortgage, Arvest instead applies the payment to " unapplied payments '' or " principal '', depending on their fancy. Each month, I have had to call and remind them the payment is a half payment and the other payment will be paid before the due date. In XX/XX/XXXX, Arvest reported my XX/XX/XXXX payment as late, causing my credit score to drop by 150 points, although they had received a full month 's payment and simply added the first payment to unapplied funds. 
I reached out to Arvest, the three reporting agencies and indicated there was an error and provided copies of my bank statements to verify the payment of my mortgage in a timely fashion. Despite this, Arvest has refused to update its reporting and has caused me financial harm by erroneously reporting my payment history, and willfully refusing to update it to indicate that it received my mortgage payment in a timely manner. I would greatly appreciate assistance in having my payment history updated to remove this error. 

Thank you, XXXX XXXX, XXXX.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

THE CHAPTER XXXX CASE # XXXX SHOULD NO LONGER REFLECT ON MY CREDIT FILE. XXXX EQUIFAX/ XXXX  HAVE BEEN NOTIFIED THAT THE PUBLIC RECORD SHOULD BE REMOVED AND DELTEED FROM FILE CREDIT FILE DUE TO THE STATUTE OF LIMITATIONS AND I HAVE HAD NO RESPONSE FROM THESE ENTITIES. 

THE CHAPTER XXXX CASE # XXXX SHOULD NO LONGER REFLECT ON MY CREDIT FILE. XXXX EQUIFAX/ XXXX  HAVE BEEN NOTIFIED THAT THE PUBLIC RECORD SHOULD BE REMOVED AND DELTEED FROM FILE CREDIT FILE DUE TO THE STATUTE OF LIMITATIONS AND I HAVE HAD NO RESPONSE FROM THESE ENTITIES.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX  account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-01-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CT)

In XX/XX/2020 I discovered that there is a debt on my account from XXXX XXXX and it doesn't belong to me. It may have belonged to XXXX XXXX XXXX XXXX and he is deceased. I have attached a police report to this complaint and want to have this resolved asap. My identification number is not the same that they have on file. PLEASE LOOK AT MY DRIVERS LICENSE NUMBER!!!!
Consumer complaint received 2020-06-04
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: Experian Information Solutions Inc. (AR)

I was trying to cosign for my cousin a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 
CHAPTERXXXXBANKRUPTCYDISSEDMISSEDXXXX XXXX {$23000.00} XXXX {$1100.00} XXXX {$2700.00} XXXX {$180.00}
Consumer complaint received 2019-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

I filed a claim for unauthorized transactions ( XXXX ) with WELLS FARGO. I have yet to have my funds returned to my account. I demand my stolen funds be returned to my account immediately. We already cancelled the card and the new one has been shipped to me.
Consumer complaint received 2021-04-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center (PA)

In XX/XX/XXXX, I received a bill from XXXX XXXX in the amount of {$35.00}. This was in error. I was owed a refund of {$35.00} from XXXX failure to correctly bill my insurance in XX/XX/XXXX. XXXX failed to include the correct authorization in their submission to my insurance carrier. XXXX confirmed their mistake in a recorded phone call with XXXX XXXX XXXX representative XXXX XXXX, XXXX Representative XXXX, and myself on XX/XX/XXXX and stated that they would resubmit the charge with the correct authorization number and refund the {$35.00} to me within 4 weeks. However, XXXX failed yet again to submit the charge to XXXX XXXX XXXX. I attempted to follow up with XXXX in a phone call in mid-XXXX and was repeatedly hung up on by XXXX customer service. I contacted my credit card company to dispute the {$35.00} charge that XXXX should have already refunded by that time, and on XX/XX/XXXX my credit card company resolved the dispute after giving XXXX the opportunity to challenge the chargeback. 

On XX/XX/XXXX XXXX XXXX XXXX Quality Specialist XXXX XXXX acknowledged in an email to me, XXXX error and confirmed that I no longer owed anything to XXXX and that my account balance would be recalled from collections with no impact to my credit and no balance due. 

On XX/XX/XXXX ARstrat , LLC sent me a collection notice for the erroneous {$35.00} charge that XXXX has previously recalled from collections.
Consumer complaint received 2020-05-29
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (AR)

XXXX i got behind one payment, that was XXXX of XXXX i made my payment up to XX/XX/XXXX but still trying to repayment but was paying extra towards the payment i missed. XXXX i was denied a repayment but put on Forbearance plan over one payment. I had been sending extra so from XXXX and i was XXXX and XXXX i could not be that far behind the payment. But i broke the Forbearance and keep sending payments all the way till XX/XX/XXXX XXXX XXXX, XXXX up to XXXX in XXXX of XXXX they messed my loan up again when i looked i was 3 months behind, i ask what months they said XXXX, XXXX, XXXX i sent proof many times but never got credit and i no they got it. After paying for over year over one payment they sent into HARP, with XXXX balloon payment. I was down to 17 years left on loan. i owed XXXX close, then my loan was sent into HAMP that added XXXX plus what i paid for home XXXX come to XXXX so i lost everything i paid and more added. My XXXX payments are not correct and JP Morgan & Chase bank are aware of it but the loan was sold to XXXX they are debt collector not Mortgage company. J.P. Morgan Chase Bank to honor their written agreements with HARP, they broke the agreement when they sold my loan debt collector, Chase was one to service my loan it was not agreement to be sold debt collocation company in 3 months. JP Morgan was paid by the program it like taking the funds from Government then we keep it and he left XXXX. they get paid XXXX for the modulation and Fee 's by the program. forbearance agreements that violate the HAMP program guidelines ; and ... XXXX XXXX XXXX ) .it not in agreement. So the money for modulation and other Fee 's should be returned. Along with my Fee 's that caused my loan to be lost. over XXXX Corporate fee 's others Fee 's, before the Modification even begin. https : XXXX # XXXXn if you look at payments and i can send bank statements i just don't have them on computer JP Morgan owes me for XXXX. But they never replay or try to fix something they did on loan. it been long time and i am tired of messing with CHASE, i been lied to, and my XXXX payments was applied correctly. Like in XX/XX/XXXX XXXX made payment, called on XXXX for a scheduled payment for next month, they ran it as i was on phone never was payment i already made a payment, the loan in XXXX was XXXX
Consumer complaint received 2021-11-09
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: TRUIST FINANCIAL CORPORATION (GA)

I recently received a copy of my XXXX  report and I noticed some account on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : Suntrust {$570.00} The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act " 15 USC 1681 a 2 b '' ( See below ) Exclusions Except as provided in paragraph 3, the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

The credit issuer or debtor has not issued a 1099C " cancellation of debt '' tax form since the alleged debt has been written off and therefore considered as income for the issuing company. I have not received a 1099C tax form. Since the debt is considered income for tax purposes on the companies end, the debt can not be listed on my consumer report according to the FCRA.
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

This is in regards to XXXX, XXXX and Experian Credit Bureau. I've submitted 4 disputes with these Bureaus about inaccurate data being allowed in my credit report even after disputing. I also included sections of the FCRA citing how they are required to report correct data and to delete inaccurate data. This data has been in my report for years and now XXXX, XXXX and Experian need to comply with the FCRA. 
The accounts are : XXXX. XXXX XXXX XXXX XXXX payments with erroneous rating key. Stating 90 days late for XX/XX/2018 but Ok=current for the three months prior. 
2. XXXX XXXX collections accounts ( 2 ) allowing reporting of a higher balance original than the creditor amount. Having a past due balance and at times a monthly past due as a collection. 
3. XXXX XXXX disguising as a new creditor and reporting an open new account. 
4. XXXX XXXX XXXX XXXX XXXX & # XXXX as open accounts with a past due and monthly past due as a collection. 
5. XXXX reporting a balance 100 % over the original credit limit ; has a past due balance and at times reporting monthly past due. 
XXXX XXXX XXXX XXXX XXXX disguising as a new creditor with an open account. Balance higher than original creditor amount ; past due balance and at times reporting a monthly past due as a collection.

7. To delete all negative remarks- as its not a true reflection on their erroneous reporting.
Consumer complaint received 2021-11-09
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. (AR)

There is an inaccurate account that is reporting to my EXPERIAN and XXXX credit report. I sent a letter via standard shipping on XX/XX/2021, and I have yet to receive any explanation of this unknown account. This agency is in violation of the U.S. Fair Credit Reporting Act by failing to respond within 30 days. I am asking for proof of this debt or remove this account from my report. I also tried to submit a dispute for EXPERIAN online and received an error message being that this dispute is in process. This dispute should be over. Remove the following account Account : XXXX XXXX XXXX Amount : {$360.00}
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I submitted this complaint to update this suspicious information. XXXX and Experian Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX XXXX Balance Owed : {$2900.00}
Consumer complaint received 2020-11-25
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 — Their investigation did not fix an error on your report
Company: Westlake Services, LLC (CA)

Westlake Financial is reporting a repossession on my credit report. I was never properly notified that my car was at risk of repossession. They never served or attempted to contact me. They used this strategy as punishment because I asked them to cease and desist from calling me every day when I'm just one day late. Prior to this, I had long term history-making payments to them and therefore was surprised when I walked outside to discover my car was gone without any notification. As a result, I had to pay to redeem my vehicle and additional fees. I've tried contacting them to correct this to no avail. Their practices were unfair, unscrupulous and they violated my rights by failing to notify me. These kinds of acts should be stopped.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

The company is XXXX XXXX . For months the bank has not reported that I paid this account off. When contacted, they said they held on to the payment without posting it because they do that when there is more than one payment in a period. What is the reason for that? I told them what a hassle they have caused because on a {$300.00} credit limit, a {$290.00} outstanding balance ( false balance ) shows on XXXX that my one credit line is 95 % utilized, thus a negative! A huge negative for someone who needs assistance on her credit score. I asked the company to re-run it or report the accurate information. They did not. Another month has gone by. Now I have to wait 24 days for the inaccurate information to be taken off the XXXX report. I need this company to understand they ruin lives, they dont help lives. Inaccurate reporting hurts consumers and they are not compelled to report accurately.