davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My XXXX  profile is updated with showing my current credit utilization and recent payments for the month of XXXX, but XXXX  and TransUnion is not updating my two open accounts. The information is not changing and only staying the same. 

I am making payment and keeping my utilization low but TransUnion and XXXX  is failing at reporting my currents updates. They are not reporting or updating my profile like they should and how XXXX  is.
Consumer complaint received 2021-08-19
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. (CA)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 US Code 1681 the former was reporting inquiries without my permission and the latter was accuracy and fairness of credit reporting. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2021-04-08
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Account Resolution Corporation (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Consumer complaint received 2020-08-31
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'm unaware of this debt and did not have the opportunity to dispute. Also, please provide Assignment of debt, Method of Verification and Validation of Debt. 

XXXX XXXXXXXX  # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX
Consumer complaint received 2017-12-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I applied for a home equity loan at Huntington National Bank XXXX XXXX XXXX XXXX Ohio XXXX. I am retired so I paid off my bills and I closed my accounts before I retired. I have less than 10,000. In debt. I pay my accounts as agreed. My income is over XXXX. My property value is over XXXX. I am divorce and my exhusband pays the mortgage which is less than 50,000. When I called and asked why the loan was not approved they stated my FICO score was XXXX and I needed at less a 680. I told them my credit score is based on debt. If I had large debt than I would have a higher credit rating. My credit will go lower because I just paid off two more of my accounts. I feel my loan was disapproved because I am a XXXX female. The application name is XXXX XXXX
Consumer complaint received 2021-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In response to CFPB complaint XXXX XXXX XXXX XXXX XXXX a debt buyer, has again resorted to false and deceptive practices in connection with collecting an alleged debt purchased from Capital One N.A. A direct violation of 15 U.S.C 1692e specifically 807 ( 2 ) ( A ). Because XXXX XXXX XXXX does not believe that a consumer can be aware of their rights under federal law they have assumed and falsely claimed attorney retention. At this time I am acting pro se and have enacted my right to refuse to pay this debt buyer. XXXX XXXX XXXX XXXX has been contacted by certified mail ( 3 ) times the last being XX/XX/2021 and have not once provided the information proving I am contracted to pay them an alleged debt of {$1600.00}. AGAIN pursuant 15 U.S.C. 1692 ( c ) ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except : 1. to advise the consumer that the debt collectors further efforts are being terminated ; 2. to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or 3. where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. XXXX XXXX XXXX has complied with none of this statute. AGAIN, under 15 U.S.C. 1681 is the same as it is under 15 U.S.C. 1602 ( I ) which is the term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice congress said ANY card. The credit card is my social security card. This is the credit card I use to originate the consumer credit transaction with Capital One Bank. Capital One Bank illegally gained a loan under my name and borrowed against my open end credit plan using my SS card. Once again I do not owe any alleged debt to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Capital One Bank N.A was NOT given consent to collect, sell or transfer any of this information or alleged debt by me the consumer, a natural person not a corporation. XXXX continues to knowingly and willfully violate my rights as a federally protected consumer. Once again XXXX XXXX XXXX debt claims are refuted.
Consumer complaint received 2021-04-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: P&B Capital Group, LLC (TX)

Discovered this account on my credit report. I have never done business with this company or the company they are allegedly collecting for. I never received any type of communication from them. This account just popped up on my credit report. I sent a debt validation letter. I never received a response to my letter. It has been well over 60 days. How am I supposed to rectify the account if I don't know what it is? I want this account removed immediately from my credit report.
Consumer complaint received 2019-10-31
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (FL)

Phoenix Financial is unlawfully changing the amounts of debts that have been removed from my credit and resold. They are denying that they are inaccurate. I have received two charges of the same debt from them. I called the creditor and the employee told me that XXXX is their client and admittedly verified what I knew. My dispute with the credit reporting agency was denied as well as the my dispute with the company.
Consumer complaint received 2021-04-08
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: FIRST NATIONAL BANK OF OMAHA (TX)

Last year I was furloughed from my job due to the XXXX pandemic. 

I was called back but it was only part-time until XXXX of last year. 

I was also affected by the XXXX storm that hit Texas ( I lost time from work because the business was closed ). 
I am behind on some of my bills, but I have tried to make a payment once a month. Last month I made a payment on my account on XXXX, and on XX/XX/24 I received a call from the business at XXXX calling me about my account, telling me they need another payment even though I had made on jus 5 days earlier.
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I've filed a dispute in regards to the incorrect items on my credit report to XXXX  it has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2017-12-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Marlette Funding, LLC (MD)

I have a loan with a " company '' called XXXX XXXX - which was advised by XXXX XXXX to consolidate my credit cards. I have asked repeatedly to get my statement online - which have not received - have been told by this " company '' that they will send to me in the mail, the mail service here is horrible. Sometimes do n't get mail for 2-3 days - very unreliable. Do not understand how a company can not offer statement online. Also, this company originated in another state and after checking my correspondence from them, there are several companies located in XXXX XXXX, IL, XXXX XXXX, TX and also in Del. I do n't have a very good feeling about this company - since I can not even get a statement on line to know what the balance of my note is - very uncomfortable not knowing who or what I am dealing with. When I made this loan, it was online and approved for over {$7000.00} - have made multiple payments and never received any email or acknowledgement that the payments were received. This was do n't through the mail - at a much earlier time. Please look into this company - I will give you all the background on it I can - they are very secretive about their addresses, just XXXX XXXX. I am a widow and XXXX years old. Please do n't let me be swindled out of what I thought was an honest company and was trying to get my head above water. I see on your site that there have been other complaints about this company. Please investigate this company and it 's affiliates - there seems to be something fishy about them.
Consumer complaint received 2021-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE (NY)

I had a balance of {$15000.00} with Barclays Bank Delaware. This debt was transferred over to XXXX XXXX XXXX in XX/XX/XXXX. I made an agreement with them to settle the total balance for less. The settlement amount was for {$4600.00} in 3 installments of {$1500.00} as follows : due dates : XX/XX/XXXX {$1500.00}, XX/XX/XXXX {$1500.00}, XX/XX/XXXX $ XXXX these were to be AUTOMATICALLY deducted from the bank info I provided them. 
See attached agreement letter and first payment deducted from my bank. 
They deducted the first installment. Mid agreement they sent this debt back to Barclays Bank Delaware. For some unknown reason they refused to deduct the other 2 payments. I contacted Capital and they stated the account was no longer with them and I have to contact Barclays, when I contacted Barclays they gave me the runaround and told me the account was with XXXX XXXX. I had no other choice but to mail Barclays the 2 payments, with a letter of explanation ( see attached ) that they did not deduct, in the hopes that they will accept it. They ended up taking those 2 payments which should've then satisfied the balance as per agreement with XXXX XXXX, yet they still claimed I had an open balance minus the difference of the 3 payments made.
Consumer complaint received 2017-12-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

XXXX Account solutions has been reporting accounts in the total sum of {$3200.00} for four separate accounts. Two of these accounts were also reported by another agency in the same amounts which was inaccurate. I have previously communicated with this creditor in the past requesting validity of this debt and had not received a response. In order to track communication with this creditor so that I can get the information I have been requesting, I sent them a certified letter asking for validity of this debt. I sent this letter via certified mail on XX/XX/XXXX that was delivered on XX/XX/XXXX and received correspondence via letter from this creditor on XX/XX/XXXX. They did not respond to any of my validation requests and have not provided me sufficient information. This information is inaccurate. I have done my due diligence in trying to rectify this situation and they are not willing to work with me or provide me with the necessary information.
Consumer complaint received 2020-11-29
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: CITIBANK, N.A. (CA)

Macy 's account is identity theft. I have sent FTC reports to XXXX, they still will not remove the MACYS/DSNB account. XXXX  is playing dirty games ....
Consumer complaint received 2020-10-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (IN)

I have contacted my mortgage company a few days after my escrow information had come out. i had noticed that they did not adjust my total amount due to accurately reflect my escrow account. they raised my mortgage payment over {$100.00} per month. it was supposed to be fixed by XX/XX/XXXX, XXXX it still had not been fixed as of XX/XX/XXXX, XXXX i have since contacted them 3 times about it and i get no response. now my payment is due and they refuse to do anything about it. i sent them the revised tax bill now 4 times. no response. this company is TERRIBLE.
Consumer complaint received 2018-06-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

I submitted all required documents for an income driven repayment plan by the deadline of XXXX. They received the initial application via the website portal. Since my income had changed from the previous year, I then faxed over my proof of income to their fax number. They did not update my account and did not notify me that they did not have the complete application until XXXX when they stated by IDR was denied and I owed {$1500.00}. I then contacted them and they told me I just needed to upload my proof of income. Since they claimed they did not receive my initial fax, I uploaded a document through the website per their instructions. They then updated my account for the future payments to accurately reflect my income but refused to update it for the month of XXXX and state I still owe them {$1500.00} for that month. My income has not changed at all. I submitted the initial fax by the deadline. They did not inform me they did not receive the complete application. They told me I just needed to upload proof, which I immediately did. Now they will not update my account and are trying to say I did not file within the deadline, except I did. It is not my fault someone in their company did not update my information with the initial fax that I submitted with my application. And now they are refusing to be held accountable and simply update my account. If they are not going to man the fax machine, that should not be an option to submit documents. This was in no way my fault and I have repeatedly explained the situation to them and asked them to update my account, as they are required to do. I have fulfilled my end of the financial agreement. They are not.
Consumer complaint received 2018-02-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Financial Recoveries, Inc. (WI)

I am continuing to receive calls from this company ( as recently as XX/XX/2018 at XXXX/XXXX XXXX  ). My bankruptcy discharge has already been gone through. I'm continuing to have calls ever since a " XXXX '' called XX/XX/2018 at XXXX.
Consumer complaint received 2021-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CO)

NewRez mortgage company has used predatory language and tactics seemingly in an effort to intimidate us and force late payment charges on us. 

On XXXX we contacted NewRez customer service to make the XX/XX/XXXX payment in XX/XX/XXXX. The representative, XXXX informed that he would need to turn off our automatic payment for a few days in order to make the payment early. He said that he would turn automatic payment back on in 4 ( four ) days. 
On XX/XX/XXXX we received an email from NewRez stating that we had missed two payments. That same day we logged on and made the payments. We called customer service and were told by XXXX that because earlier in the year we had responded to multiple NewRez emails regarding 'lowering our interest rate, ' the rep we spoke to, stopped our auto payment. We were told that was because we used the term, " Loan Modification ''. 
Later in XXXX, after we had made our loan current, we received a letter threatening foreclosure. We called ( XXXX ) and the rep was hostile, threatening to collect the debt and foreclose. She informed us that we would be reported to the credit bureaus and our credit would be damaged. It was frustrating, unnecessary and demeaning. We explained what we had been told by XXXX and then were told that a XXXX would get with us within 48 hours. No one called. We called back and the service rep was hostile again, reminding us that we owed a debt and they were collectors of debt! I asked for a XXXX. The XXXXXXXX said they would review the previous calls and I would have to call them back. They have made no effort to help. He also told me that our auto pay was still off even though we had logged in and turned in back on. We called again XX/XX/XXXX and spoke with a supervisor. The supervisor said that they were updating the report to the credit bureau. He also said that our auto payment showed to be 'on ' and working. 
Today, XXXX our payment should have auto paid. We checked and it did not. We called customer service. We were told that they could see that the auto payment was set to on but did not work today. We were also informed of 'past due ' penalties that have been charged for late payments. The late payments happened because NEWREZ is inept or their system does not work or worst of all, they are predatory.

This has been a horrible experience. NewRez has messed up our auto payment system, has treated us like criminals, and now they are charging us late charges. We always pay our mortgage payments. There was no advantage to us to skip or delay a payment.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon checking my Experian credit report I noticed a fraudulent account had recently been placed on my credit report I called XXXX XXXX and the agent could give me any information on the account but only advised me to sign up for a service they offer so they can help my get the fraudulent account removed from my credit report for {$99.00} a month then the agent started asking me personal questions about me what my social security number date of birth and my email and my telephone number made me very uncomfortable after collecting all that information he informed me that he was going to get access to my credit report so he can challenge the fraudulent account for a {$99.00} fee I told him no way I can do that on my owe any how I file a police report with my local police department in XXXX California please remove this information its not mines and I have never done business with XXXX especially around the time of XX/XX/year> 2023
Consumer complaint received 2021-04-08
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. (MD)

I have been working to improve my credit since XXXX in order to qualify for a VA home loan. I have attempted several times to have the credit reporting companies to update two specific accounts, of the three major agencies, only XXXX XXXX has been keeping up to date. XXXX  and Equifax are both lagging. XXXX  has even denied a dispute despite having records of payment in full. I have been working with a lender and realtor who are helping me improve my score and as of XX/XX/XXXX, I have decided to start the process of buying a house. Nobody can do anything until these scores are updated. I was instructed to settle these specific accounts, as doing so, will boost me over the minimum qualifications for several loan originators. It takes mere hours for a negative report to show, but it can take over a month or more to show an improvement which is unacceptable.
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I have reported to the credit bureaus that information on my credit report was wrong and full of fraud but they have yet to correct this information or update it. Its been well over 30 days.
Consumer complaint received 2018-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

They keep sending me letters with my name spelled incorrectly they keep spelling XXXX XXXX XXXX XXXX and my name XXXX XXXX XXXX XXXX ( not XXXX ) please fix that immediately and i told them to delete every address thatt dont belong to me and they still havent, i never lived in none of the address below please delete which is XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX, texas XXXX and XXXX XXXX XXXX XXXX XXXX tx XXXX
Consumer complaint received 2023-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC (MD)

I lived at XXXX XXXX XXXX XXXX XXXX from XXXX 2022. I vacated in XX/XX/2022 and officially moved out of the building in XXXX. I am being erroneously charged for {$1100.00} in utilities payments even though I provided notice to the company to stop. I also gave written notice to my management company and was forced to leave under emergency circumstances