davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (MI)

I was contacted multiple times by phone by a company calling itself " Wakefield & Associates ''. When I answered their call about six months ago, a man named XXXX told me I owed roughly $ XXXX {$250.00} which I had never been notified of. I requested that they send a debt validation letter but they said they already sent one and said it was sent to some po box I didn't recognize. I gave them my actual address so that they could re-send the validation letter but I never received the letter. They stopped calling after that so I assumed it was a scam. 

Then on XX/XX/XXXX, I noticed that they put a hit on my credit report. I disputed it and it was removed from all three credit services that day. 

Despite all this, I just received another call from XXXX at Wakefield & Associates today.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I disputed items in XXXX due to identity theft with proof of police report and and identity theft report and only one item was deleted I then submitted complaint with you asking for the items be deleted or for proof of my ownership and some items were deleted but not all The below still remain I also disputed inquiries that were not mine 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 2017-03-01
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (CA)

on XX/XX/2016 I sent a debt validation letter requesting alleged balance including calculation, proof that the account is correct, documents showing I agreed to pay this debt and agreement that grants authority to collect this debt. I have not received any response from them.
Consumer complaint received 2017-05-24
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: WELLS FARGO & COMPANY (MO)

On  XXXX / XXXX / 16  I logged into m y Wells Fargo Home Mortgage  account and made an additional payment of {$710.00} to my mortgage account which is due on on the first of the month. As stated, this was an additional payment being made as I already made my monthly payment. However, while making this additional payment I did not realize that I permanently turned off my automatic payment request that was being made on the  XXXX  of each month. As a result my mortgage account went delinquent in  XXXX  and  XXXX . However, I had no idea I was not making my monthly payment for  XXXX  or  XXXX . Since I subscribe to   XXXX   XXXX   and  XXXX   XXXX  I noticed at the beginning of  XXXX   Wells Fargo star ted reporting to the credit bureaus that my payment was delinquent. I immediately called  Wells Fargo to  determine what had happened and found out the automatic payment was turned off. I had no idea that making an extra payment would result in turning off the automatic payment. I immediately paid my mortgage for the 2 months past due, and late fees. Howev er, Wells Fargo will not reverse their decision to report this honest mistake to the credit bureaus and it is negatively effecting my credit score on  all  XXXX  reports. I attempted on  XXXX   XXXX  to submit my complaint t o Wells Fargo and it went denied. I believe Wells Fargo is acting irrationally in reporting the late payment to the credit bureaus. I have NEVER been late on a payment to any of my creditors and I have been a Wells Fargo customer for o ver 10 years.
Consumer complaint received 2016-08-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Collection Bureau of America Ltd. (GA)

I need COLLECTION BUREAU OF AMERICA FOR to validate and verify pursuant to 15USC1692g ( a ) ( b ), I am the Consumer Pursuant to 15USC1692a ( 3 ), and COLLECTION BUREAU OF AMERICA is a DEBT COLLECTOR/DATA BUYER/RECEIVABLES PURCHASER pursuant to 15USC1692a ( 6 ). COLLECTION BUREAU OF AMERICA has intruded into my ( the Consumer 's ) Private Non-Public information which is called IDENTITY THEFT Pursuant to 16CFR603.2 and this is a Felony punishable by law. I ( the Consumer ) want COLLECTION BUREAU OF AMERICA to divulge information from the person or persons who shared private information with them first who, what, where, and why they are using my information to publically humiliate the Consumer. I ( the Consumer ) need this information because within five ( 5 ) days COLLECTION BUREAU OF AMERICA needs to provide loan level documentation containing what the Consumer has requested. The statutes of limitations are up for COLLECTION BUREAU OF AMERICA. XXXX v XXXX, XXXX, XXXX, XXXX. an Amicus Brief covered this FDCPA Fair Debt Collection Practices Act. Specifically XXXX v. XXXX, XXXX, XXXX XXXX XXXX, XXXX. 
The CONSUMER wants CREDIT BUREAU OF AMERICA TO CEASE AND DESIST COLLECTING ON SOMETHING THAT THE CONSUMER does n't have knowledge of or want to. This illegal behavior is being claimed by the Consumer to the Federal Bureau of Investigation Criminal Division for divulging this information as quickly as possible. PLEASE CEASE AND DESIST this dangerous behavior. 
The Consumer has needs to purchase personal, family, and household needs but is hindered from obtaining such because COLLECTION BUREAU OF AMERICA says she owes them money and according to the LIBER CODE Article 42 which was signed into law on XXXX XXXX, 2016, you do not have authority to make the Consumer work for you and pay you money on something that you do not have a signed contract with. The unauthorized intrusion into the Consumers Credit Reports are not part of what Consumerism is about. This CORPORATION is in PROFIT, TRADE, AND BUSINESS, and the Consumer has personal, family, and household goods and it is not to be misconstrued for PROFIT, TRADE, AND BUSINESS, like this CORPORATION,. 
COLLECTION BUREU OF AMERICA is trying to extort funds from the Consumer without merit. I will make sure that this is known to everybody about this illegal act. 
They have harmed the Consumers purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I ( the Consumer ) am not in COMMERCE. 
Pursuant to 15USC1692k I ( the Consumer ) has invoked her private right of action and wants this bad situation to go away as soon as possible. CEASE AND DESIST. XXXX XXXX XXXX XXXX Consumer
Consumer complaint received 2016-11-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

State of GA placed a tax lien of for {$650.00} with a filing date of XXXX XXXX, XXXX stemming back to XXXX tax year Lien shows as paid in XXXX XXXX, XXXX I made several payments before and after this, my payments were applied to the wrong year Reference # XXXX was listed on my credit report
Consumer complaint received 2020-10-19
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. (FL)

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XX/XX/XXXX TransUnion andXX/XX/XXXX CRA. On XX/XX/2020, I mailed XX/XX/XXXX TransUnion and XX/XX/XXXXto Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2016-09-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd. (CA)

XXXX is charging us for 4 days rent prior to the move in date for an apartment that we elected not to rent because : 1. Security deposit was tripled during the approval process 2. XXXX reneged on the use of our own washing machine ; the " XXXX '' cycle '' of our washer being critical to the health of our 7 month old, born 3 months premature, 89 days in intensive care, as of the move in date XXXX/XXXX/XXXX. 
3.XXXX required certified checks for security deposit and XXXX months rent, ( impossible to procure prior until Monday, XXXX/XXXX/XXXX ) prior to move in. ( Holiday/Sunday ) 4. Approval to rental application not issued until XXXX/XXXX/XXXX. 
5. Carpet cleaning scheduled XXXX/XXXX/XXXX. 
6. Original move in date was to be XXXX/XXXX/XXXX per XXXX advertisement. Early move in was requested by us, not mandatory.
Consumer complaint received 2016-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MO)

My daughter attended XXXX. She was in her second year there. All of her student loan paperwork was already in before we arrived there to her school. We live in XXXX, XXXX. When we got there, they said they did not receive it, and asked me to submit my information on a new form. I had been in bankruptcy during that time, so I was surprised that all off sudden my credit was approved which means she had to get a parent loan instead of a student loan directed to her. All of this was within a week of hurricane XXXX. She was able to attend one week of class before XXXX hit, but she lost everything because she was not staying on campus. She came home to XXXX within days of that experience and never returned to school. I am now strapped to pay for her parent loan to XXXX. I have three questions. I had heard that some of the XXXX were not reporting their funding received accurately. I 'm interested in knowing if the schools received the money from the federal student loans for students that did not return to the school due to that traumatic event. Also, in 2005, was XXXX one of the XXXX reporting their funding incorrectly, And are there any special circumstances/ reprieve for students going through XXXX XXXX I also can not repay this loan. I am overwhelmed in debt behind my own student loans.
Consumer complaint received 2016-12-17
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I refinanced my existing {$400000.00} Home equity Line of credit with Bank of America, which was about to be expired to a new Home equity of line of credit ( New Account # XXXX ) effective date of XXXX/XXXX/2016 at no absolute cost ( XXXX cost for refinancing ), then I found out that, the Bank of America Charged me {$1700.00} for capitalized amounts, which does not meant nothing neither to me nor to the employee 's of Bank of America which I am contacting them. Since then, I called Bank of America more than 15 times, each time they passing me from this dept. 's to another dept. 's, with no results, then finally the line will be disconnected or they telling me that someone will get back to you within 48 hours, which never happened, ( each phone call tooks XXXX 90 minutes ) In addition they put me on trial period for three months to pay {$810.00} monthly, then I was told that, it is better that, I pay the full amount monthly on my existing loan in order to keep my credit clean ( in this case I paid {$540.00} above my requested trial monthly payment ), they said that they will refund ( credited ) this amount to my principal account, which they never did. 
Therefore ; I am demanding {$1700.00} + XXXX = {$2300.00} from Bank of America to be credited to my principal new loan.
Consumer complaint received 2015-05-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (VA)

I had been trying to get a copy of my credit report from Equifax Reporting Agency for over a year. I placed a fraud alert with the other credit reporting agencies after I became a victim of identity theft. I also created an Identity Theft Report with the Federal Trade Commission. On XXXX, I placed a dispute investigation online with Equifax which enabled me to finally see a copy of my Equifax credit report. I noticed that Equifax has been sending copies of my credit to an incorrect address and they have a couple of addresses listed as belonging to me that are also incorrect. I updated the correct information and placed a statement on my credit report. Today, I got an email from Equifax saying that they corrected my report but Equifax still has the same incorrect information. My address is not XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. I have never live in XXXX, XXXX or XXXX, XXXX or XXXX. I do not use my initials or my middle name as my first name. I sent all the information showing this and Equifax has been sending my information to the wrong address. I am also requesting a seven year fraud alert to be placed on all of my credit reports since my personal information has been going to another address for years. My correct mailing address is : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX.
Consumer complaint received 2023-04-13
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. (LA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2016-09-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

{$20000.00} theft at the closing table on XXXX XXXX on a home re-fi by XXXX/agent of XXXX, with an inflated appraisal of $ XXXX for a $ XXXX note, then GMAC took over and raised my payments from {$1800.00} to {$2700.00} BASED ON THE FALSE APPRAISAL. 
Filed lawsuit XXXX in the corrupt XXXX XXXX XXXX, they got a summary judgment XX/XX/XXXX, AFTER THE CFPB-OCWEN CONSENT ORDER in XXXX XXXX. I am still in my home as the note was paid off by XXXX, XXXX and my tender.
Consumer complaint received 2017-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I opened a business credit card through  Capital One Business in 2016. Since account opening, Capital One has been incorrectly reporting this business account onto my personal credit report. I have contacted the credit bureaus whom have responded with a promise to contact Capital One. Capital One  has no right to report a business account, in good standing, to the signers personal credit profile
Consumer complaint received 2020-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have reached out to this company several times to formally and legally ask them to remove these inaccurate and illegal account information from my credit report. However, after various formal certified FCRA mail disputes they continue to ignore my request. This information does not belong to me and they have failed to show me how they officially validated this false account. 

US DEPT OF EDUCATION ; Amount : {$9800.00}. Date opened : XX/XX/XXXX. 
XXXXXX/XX/XXXX ; Amount : {$1900.00} Date opened : XX/XX/XXXX.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

I am a victim of identity theft and I have noticed some unauthorized inquires unverified and unauthorized items must be removed. I have listed the items I would like to dispute below.The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. 
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  U.S.C. 1681 g ( a ) ( 5 ) A CONSUMER REPORTING AGENCY SHALL NOT FURNISH TO ANY PERSON A RECORD OF INQUIRIES IN CONNECTION WITH A CREDIT OR INSURANCE TRANSACTION THAT IS NOT INITIATED BY A CONSUMER. Under section 604 of the Fair Credit Reporting Act ( FCRA ) explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.
Consumer complaint received 2017-02-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (GA)

My complaint is with Santander Consumer USA, which I have an auto loan. I do not think that it is fair that customers have to pay ( apprx. {$10.00} ) for on time payments which can be made online or on the telephone. The only way a customer could possible avoid making a payment to make a payment is by setting up an XXXX ( XXXX ) payment arrangement or mailing in your payments.
Consumer complaint received 2015-10-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

This is this is the same complaint I had with XXXX regarding the bankruptcy law stating " when a debt is discharged ( chapter XXXX ), the creditor is '' forever '' barred from trying to collect it from you or reporting it to a credit bureau ''. The account was discharged on XXXX XXXX, 2009 when the Bankruptcy Chapter XXXX was discharged. The staff of these credit bureaus need more training regarding bankruptcy laws. 
Collections : XXXX XXXX XXXX - I sent them a copy of the statement showing XXXX balance. The agent I talked to from Equifax told me that according to XXXX the collection stands. I told her so you are going to take the words of the company instead of the documents I provided you. She said " YES ''. Not because the companies are paying for the services of these credit bureau does not mean we, the customer, has no say on the issue.That is not fair! And not right either!!
Consumer complaint received 2017-03-14
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

I have a problem with Santander bank on our credit reporting. We had an automobile with XXXX then Santander bought the Contract. We had problems with this bank and we complained about them. 
Now we are having a problem again. We had paid car payments for this vehicle. The bank had the payments, and a repossession order had been issued. We were not informed of a pending repossion if so, Santander would have known the payments were in their XXXX. 
When on or about XX/XX/XXXX the car was taken. We informed Santander the payments they had them. The car was then returned 20-30 minutes the same morning. 
Santander Bank said that it was their mistake the repossion fees would be waived and the repossion would not appear on our credit report. This was in XX/XX/XXXX. 
We have found out it 's on our credit report and will remain there until XX/XX/XXXX. I have been in contact with Santander Bank today XX/XX/XXXX. I was informed there was absolutely nothing they could do. We were given the runaround when we began to investigate them we were given 3-4 different number to call each one was the wrong number. 
We feel this mistake of credit reporting is unfair. We paid for this car and can not get another car loan because of this.
Consumer complaint received 2017-05-22
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. (TX)

Im a victim of identity theft and the credit bureaus have not properly investigated my file and have not removed the items I addressed as a result of identity theft
Consumer complaint received 2016-09-21
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MONEY SOURCE, INC., THE (CO)

My wife sent our home mortgage payment to our lender on time ( first of the month ) but had written the incorrect amount in the numerical box but the correct amount on the written line of the check she had sent. The mortgage company held the check and did n't inform us of the error until the payment was considered late ( last of the month ). Had they contacted us with the error we could have corrected it and the payment would not have been considered late. When we contacted our lender they said they had done everything " by law '' and were unwilling to remove the late pay entry on our credit report.We would like to re-finance our loan but are unable to do so, because of the late pay entry on our credit report.