davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

CAPITAL ONE AUTO FINANCE XXXX XXXX # XXXX CAPITAL ONE AUTO FINANCE sent a letter titled : NOTICE OF NO LIABILITY and NOTICE OF RIGHT TO CURE AND NOTICE OF INTENT TO REPOSSESS ( SEE ATTACHED ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX should the voluntary payment of {$11000.00} not be paid on XX/XX/XXXX. CAPITAL ONE AUTO FINANCE is attempting to defraud and illegally repossess XXXX XXXX ' property, as CAPITAL ONE AUTO FINANCE XXXX XXXX XXXX XXXX XXXXas been XXXX in XXXX XXXX XXXX  ( see attached documents for reference ) in case no. XXXX
Consumer complaint received 2020-04-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AXOS FINANCIAL, INC. (CA)

I have a mortgage with Axos Bank. As a result of COVID19 and mandatory order to stay home, I am unable to generate income and asked the bank to provide me with a mortgage forbearance for six month. I made this request in XXXX and was provided one month forbearance for the month of XXXX. I repeatedly asked them to extend the period and via email was told to look into refinance, the CARES ACT does not apply to them and ignored me. I also noticed today my FICO was dropped by 60 70 point by XXXX. 

I told them issue is that Im unable to generate income as a result of uncontrolled mandatory requirement by government to stay home. Im unable to make income and they are asking me to refinance. 

I have sent them numerous emails and yet to hear from them.
Consumer complaint received 2021-10-14
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. (NJ)

XXXX XXXX XXXX XXXX XXXX is currently listing a Foreclosure on my Credit report incorrectly. 
I attempted to have them remove but they refuse saying that I am not the owner and can not provide me with the account information, yes that is their response. I have attempted to dispute via Credit bureaus with mixed results, XXXX removed but TransUnion will not based on XXXX XXXX non response. I had a mortgage in good standing with them and was paid in full, this gave them my information. They attached a second mortgage to my name and refuse to provide me information on the loan so I can dispute. I am in the process of purchasing a property and this error is keeping me from securing a mortgage.
Consumer complaint received 2020-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

I have opted out of everything possible with Capital One credit card. However several months ago I was notified that my rewards dollars were now linked to my XXXX account without my permission. I believe that knowing the cash back terms of the account and tracking the dollar amounts each month provides way too much information about my finances ( spending habits, income range, etc. ) for me to be comfortable. So I called Capital One to better understand why they would share my personal financial information with a third party without my permission, and they told me that cash back was not financial information ( cash is not financial? My credit card spending each month is not financial information?! ). So I asked them again to stop sharing my financial information with third parties and that I still wanted to opt out of everything possible, and they assured me that they would comply. Yesterday I received an email from XXXX that my cash back from my Capital One credit card could now be used for XXXX transactions. Clearly Capital One ignored my wishes, and if they are sharing things I explicitly asked them to not share ( and received assurances ), opt out settings/privacy settings are clearly ignored. With all of the identity theft, etc. that is going on, this adds to the consumer 's risk. Laws need to be adjusted such that the default is no information sharing unless explicit permissions are granted, and that these permissions are not a function of service. Financial institutions, social media companies, etc. are out of control, and are putting consumers at greater risk for their profit. And to my knowledge, there are no repercussions for bad behavior. For these practices to become the norm, all it takes are a few good people to do nothing.
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (SC)

I have been actively working on our credit as we are trying to purchase a new home and I have two charged off accounts on my credit report. My scores have been rising as i've been paying things off and they've been removed from my credit report and i got to a point where there wasn't really much more to do but my score had reached an acceptable level. However out of the blue i got notification that my score had dropped 40 points so i immediately got a new report. Nothing had changed on my credit report except for the fact that the charged off accounts ( that have not been paid off ) had changed the " date of last action '' to reflect that it was a new derogatory account. However the account has been closed and no new information had been reported so they can't change the date of last action and make it a new derogatory account. Because of the fact that is showed that it was new it dropped my score because newer accounts hurt more then older ones obviously. I have been unable to correct the account with the credit bureaus and the company refuses to help us. Please help me.
Consumer complaint received 2020-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

Hello my name is XXXX XXXX and I was currently a home owner of my house in XXXX XXXX XXXX XXXX XXXX fl XXXX. I was on a mortgage with XXXX XXXX and they sold to a company called RUSH MOORE I was giving my payments every month and apparently they didnt receive the payments but I have proof of the payments as well as my bank is doing an investigation and found an off shore account, please help up investigate the company and ask them to reopen cases to stop the sale of the home that they are trying to sell now. 
We been living in a hotel for 9 months with no one to help us.
Consumer complaint received 2023-03-25
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: EQUIFAX, INC. (MI)

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. 

Account name : # XXXX  XXXX, Account name : 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 2020-08-29
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. (ID)

I have submitted letters in writing, over the internet and through apps to have inaccurate and false information removed from my records. Some have been removed, others have failed to reply, some information is still showing despite being proven invalid.
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (NY)

I received a letter from Radius Global Solutions for a {$1400.00} debt that does not belong to me ( reference number XXXX ), related to an XXXX XXXX XXXX account XXXX that does not belong to me, without providing any further details/information. I sent them an email and a letter by mail. Your help is greatly appreciated. This situation has caused a lot of distress in my life.
Consumer complaint received 2021-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (FL)

BULLCITY FINANCIAL SOL Contact  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NCXXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$330.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2021-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

LVNV FUNDING LLC

Contact XXXX XXXX XXXX XXXX, SCXXXX
(XXXX XXXX

HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF $XXXX  THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2020-04-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SYNCHRONY FINANCIAL (IN)

I took out a loan in XX/XX/2015 with XXXX/Synchrony Bank, I set up auto payments for the loan for the XX/XX/XXXX of each month. Now that the loan is almost done I get informed that almost every payment ( 33 ) total were late because the bank did not get them until the XX/XX/XXXX and late fees were assessed. 

When I called to ask if the loan was paid in full so I can get the title, I was told that the pay off is {$1500.00} all late fees. I have never dealt with a bank that didn't have a grace period but was told by customer service rep that " If I would have read the contract and paid more attention to the monthly statements I would have known '', and it is not their responsibility to let borrowers know they are delinquent. 

I believe this practice is wrong and I have been unfairly charged along with anyone else dealing with this bank.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to dispute the presence of the hard inquiries on my credit report as listed below. These inquiries was made without my knowledge or consent, and I request it's immediate removal from my credit file.
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Personal information was recently stolden in conjunction with vehicle theft. 
In attempting to creat online accounts to monitor and freeze credit, signed Transunion, and the other two. 
Other two companies offered free accounts, and verified personal info in various ways incl. birthday or credit card. 
Transunion asked for credit card information. 

After signing up for the account, turns out Transunion is the only one that charges a monthly charge for the online account, without telling you during the sign up page ( who charges you for something they don't tell you about!? ) When calling, I was told it was part of the terms of service that I didn't read carefully enough. 

Every. Other. Website has a shopping cart with price info if they are going to do something like this. 
How is a company that's making money off me already by my information billing me in the sneakiest way possible, and then making it my fault that they bury a price in a document that I'm sure their own employees don't even read?
Consumer complaint received 2020-10-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (VA)

My Navy federal Bank checking account is in a negative of {$20000.00} due to someone depositing false checks into my account and my bank charged {$990.00} on my account 4times everyday until it got all the way too XXXX  so I filed for a fraud claim and they did a terrible job at helping and said I am responsible for the debt when I never deposited these false checks. Someone basically scammed me
Consumer complaint received 2020-10-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (OK)

My loan thru XXXX XXXX was closed and marked paid in full on my credit report two months latter a company call Jefferson purchased this loan and imidiantly put it on my credit report and a collection I filed a dispute and it was removed. Today two months latter it has been re added with a start date of today. I have never received notification of Jefferson on this and have never done business with them. I am trying to refi my home and this most likely will get that denied because of this. As a XXXX veteran it is tough enough to survive but this is has became a direct violation of the law and my rights
Consumer complaint received 2020-04-30
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. (NC)

I have two accounts that both have wrong credit card balances : XXXX XXXX XXXX  credit card and XXXX XXXX XXXX. The XXXX XXXX balance is {$0.00} since XX/XX/XXXX. I will show proof that I requested a statement. The XXXX card balance shows {$1000.00} on the XXXX XXXX website. The actual balance is {$1000.00}. I will show proof of payments from my bill pay ( from XXXX  XXXX XXXX ). Please assist.
Consumer complaint received 2020-04-30
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 pulled my credit to myself for the first time in 6 years and seen many accounts that were not mine. i never applied nor seen any of these accounts.These accounts need be removed. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. There are also some inquiries that I'm not aware of XXXX  XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX I have contacted the FTC and my local police.
Consumer complaint received 2020-04-30
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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$120.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXX   XXXX {$450.00} XXXX  XXXX {$12000.00}
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (OH)

I am trying to finance a vehicle through XXXX XXXX XXXX. My XXXX  credit report still shows a fraud alert that I have requested to have removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX OH XXXX My DOB XXXX SS XXXX is my info. Please REMOVE/DELETE the PHONE NUMBER XXXX .... MY CURRENT AND ONLY NUMBER IS XXXX.
Consumer complaint received 2020-10-29
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. (IA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.
Consumer complaint received 2017-09-25
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. (CA)

this account from XXXX XXXX does not and should not have any delinquencies, i have already submitted the letter from the creditor itself to all three major credit bureaus, experian and XXXX have not removed this inaccuracy yet, please find attached the creditors letter for which they have approved of doing so. 
thank you
Consumer complaint received 2021-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

I called National Credit Systems on XX/XX/2021 to discuss a collection account on my credit for XXXX XXXX. After speaking with XXXX ( a Supervisor ), he stated he was not going to budge on the account and that he was working on behalf of the apartment complex. He stated he had no decision capability and that it was up to XXXX XXXX. So I called XXXX XXXX  and spoke with XXXX on XX/XX/2021, the property manager, and she stated that there is no record of me, or of an outstanding balance. In the attached letter, you will see the property complex was sold, and along with any outstanding debts would have been included. Therefore, the collection account that is reported by National Credit Systems needs to be removed and all collection activity needs to cease as the letter from XXXX XXXX  states I have no outstanding balance.
Consumer complaint received 2020-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
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 (TX)

I filed a dispute with capital one/Walmart on XXXX.i informed capital one/Walmart that I am disputing their claim.moreover I requested that capital one/Walmart supply me with copy of the contract with my authentic signature.capital one/Walmart never provided a copy of contract with my authentic signature and continue to report this account to the credit reporting agency.this account should have been deleted off the CRA files.further more the fair credit reporting act regulates how creditors handle consumers dispute.the statue states that when a consumer disputes any item the creditor should conduct a reasonable investigation within 30 days to determine if the challenge item is correct.after 30 days have expired if creditor have not completed the investigation the disputed item must be deleted.finally capital one/Walmart failed to report the dispute to the CRA which is a violation of the FCRA section 623 and carries a find of XXXX dollars
Consumer complaint received 2024-03-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (NJ)

On XX/XX/2023 I mailed off a " Request for VALIDATION, NOT Verification '' letter to " Transworld Systems XXXX XXXX '' The company received my letter on XX/XX/2023 and someone from the company signed for it. Within my letter I provided my name, address, and account number to help the company look up my account. Also, within the letter I was giving the company 30 days to provide me proof. I know that the debt collector has 30 days to respond to the debt validation. What I was asking for is proof that I actually owe the debt. As well as proof that they have the legal right to collect the debt. They must also prove that they are licensed to collect debts in my state. Also, they need to provide the original contract I signed with the original creditor, or at least credit card receipts that I signed. After 30 days I mailed another letter asking for a request validation of the debt they say I owe. I have given them 30 days to remedy the situation, which is a very reasonable period. I have received no reply from them, though I did receive confirmation via mail that they did receive my letter.