davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CO)

Logged in multiple times to lift freeze for a specific date says cant do it online and to call, says to call, called multiple times. No one answers the phone. I cant get any help. Only open mon thru frid. I am a XXXX and dont have business hours. I have my pin and everything. No reason I cant unlock my report! We dont need any of these agencies if they cant work with their customers, every thing should be opened 24/7 especially during covid when all you are at home.
Consumer complaint received 2020-04-23
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Unifin Inc. (VA)

This company was contracted by XXXX XXXX to collect on a debt originally owned by XXXX XXXX XXXX. Unifin & I came to a settlement amount of {$2600.00}. This was in XXXX of 2020. On XX/XX/XXXX I obtained a Cashiers check in that amount. It was then mailed to Unifin and delivered on XX/XX/XXXX and deposited on XX/XX/XXXX. It officially cleared the account on XX/XX/XXXX. The first week of XXXX, a call was made to Unifin to get an update as I had not received a receipt nor anything stating this was now settled. They claimed the check bounced and that they shredded the check. How did they shred the check? Even if a cashier check could bounce, how did they get the check back from the bank to allegedly shred it? Cashier checks are prepaid instruments, and unlike a personal check, they do not bounce. Unifin then claimed that they shredded the check. I was baffled by this because if this was sincerely true, they would have called or sent a letter. They had no hesitation in calling or sending a letter when attempting to previously collect a debt. They then told me that since the money never left my account, I should go ahead and just pay with my debit card. After arguing with them for some time and telling them that cashiers checks do NOT bounce, they said they'd investigate and give me a call back. When they called back, they told me they were still investigating. In the mean time I called my bank ( XXXX XXXX ) who told me an attempt had been made on the cashiers check as an ACH debit which resulted in it being declined. My bank then told me the check cleared the account on XX/XX/XXXX and provided me with a written letter and proof. Yet Unifin denies this despite the check being clearly stamped " Unifin for deposit only '' ( which XXXX provided me with a company ). To this date, I hace not heard from Unifin. Since all calls are recorded, I encourage you to pull the tapes.
Consumer complaint received 2021-05-01
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. (NC)

I have reviewed a copy of my credit report and I show company XXXX account number XXXX is listed as non-verified account. I have attempted on a number of times to have this account reviewed with no luck. I have been violated per the FRCA and also FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2021-05-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

i am hoping I can finally get a response because the last 6 months I have not received responses to my request for investigations from Experian, XXXX  and XXXX My attorney has advise me to escalate this matter due to violations of not responding to my requests for investigations.
Consumer complaint received 2020-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (SC)

I got a deposit into my Chase account from the XXXX XXXX XXXX. into my personal account. 

Chase blocked my access to the account and then asked that i send them some info from the IRS. faxed it. 

then get an email saying I cant use the account but no reason why. Chase is full of XXXX. mind you all the times I sat on hold for upwards of hours!!!
Consumer complaint received 2020-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc. (WI)

I don't know who these people are. I've never had a contract with them. I've never signed anything with them. I have not done business with them. I've never bought anything from them. They are saying I owe {$200.00} XX/XX/2017, {$730.00} XX/XX/2017. I DO NOT!
Consumer complaint received 2020-11-16
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- INSTALLMENT LOAN 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7900.00} -This is not my account.
Consumer complaint received 2022-08-12
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. (TX)

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX XXXX, Account NumberXXXX Account Name : XXXX, Account Number:XXXX Account Name : XXXX, Account NumberXXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, and also these accounts are out of the statute of limitations in Texas, therefore these accounts must be removed asap XXXX they also violated my rights under -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 2020-12-08
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: Resurgent Capital Services L.P. (NV)

XXXX XXXX XXXX company sent me a letter in XX/XX/2020 stating that I needed to submit a request for validation within 30 days of receiving the letter. Request for validation of the debt was sent to XXXX XXXX XXXX and LVNV Funding on XX/XX/2020 and a response was never received. On XX/XX/2020 a summons was left in my driveway stating that I was being sued by the company and the date that the lawsuit was filed on XX/XX/2020 which was 40 days AFTER my validation request was sent however no response was provided which violates my FDCPA rights.
Consumer complaint received 2021-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

I contacted Capital One asking for a replacement for card XXXX and a month later : still no replacement card. So I " closed '' my account. Capital One STILL owes me a refund on this account as it was over paid. Next issue with another Capital One : acct XXXX is also OVERPAID and again : No refund of the overage by Capital One. Seems Capital One can assess a late fee payment when a bill 's 2 days late in being received in the mail - but IS allowed to hold onto overage funds and pay the consumer when the creditor ( Eventually XXXX feels like getting that fixed. Customer service is really horrible. You have to either submit your issue by mail to their office in XXXX XXXX XXXX OR wait forever on the phone for someone to help you.
Consumer complaint received 2018-07-23
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (OH)

OnXX/XX/2018 I sent a letter to XXXX XXXX/Walmart in regards to acct # XXXX in regard to late payments and to validate the  debt. The certified mail on signed on XX/XX/2018 respond back from XXXX XXXX/Walmart was a letter copy of app with monthly statements ,no receipt of signed purchases made, no canceled checks, receipt of documents itemized bills does not constitute verification. Than I sent another letter on XX/XX/2018 certified XX/XX/2018 informing XXXX XXXX/Walmart that they have Violate the federal law per the requirement that they are to provide the credit bureau with the disclosure within the period required by law and which they have failed to do.You are required by the law to place a "notice of dispute" when you signed on XX/XX/2018 with in the 30 days required XXXX XXXX/ Walmart is in violation, The Fair Credit Reporting Act Section 623(a)(3) for not placing a "notice of dispute" within the timeframe and evidence certified mail you must now remove the item. XXXX XXXX/Walmart has since place a "notice of dispute" on credit report but still in violation because you are to place a notice of dispute on all bureau you are reporting to not your favorite one. XXXX XXXX/ Walmart has part way acknowledge there violation by the federal law but will not fully acknowledge it XXXX XXXX/Walmart has remove some of the information off of the XXXX report but did not remove all this is still violation in frauding the system.XXXX XXXX/Walmart fail to remove off of report on XXXX,XXXX credit report which is scaming the system and they do what they want to do if you don't pay attention. The copy of my report are attached to prove evidence and I have never even got a letter that they tried to part way removed off of XXXX  because they were gonna re-insert info back on with out my knowledge. 
THIS IS VIOLATION OF RULES/FEDERAL LAW THAT YOU HAVE TO ABIDE BY. TO PLACE A "NOTICE OF DISPUTE" ON XXXX,XXXX,XXXX   CREDIT REPORTING AGENCIES.THE FAIR CREDIT REPORTING ACT SECTION 623(a)(3)REPORTING FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES[15U.S.C.1681s-2](a)(3) DUTY TO PROVIDE "NOTICE OF DISPUTE" YOU MUST NOW DELETE THE ITEM AND PROVIDE ME WITH A NOTICE OF THIS DELETION OFF REPORT.
PLEASE ASSIST THE COMPANY ABOUT THE LAW AT HAND THAT THEY HAVE VIOLATED.
Consumer complaint received 2021-09-22
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc. (MD)

I have sent 4 certified letters and 2 regular mail letters asking for information and validation of debt and the company has refused. I received one note from them and I got it on XX/XX/21 and it had nothing in it that I have been requesting. My credit report came in this morning and it carry 's incorrect information on all levels. This account is under a ceased order and is still being reported and discussed without proving to me this is my debt and WHY. Since this has happen it should be removed.
Consumer complaint received 2018-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (MO)

THE COLLECTION AGENCY PLACED A COLLECTION ON MY ACCOUNT ( XXXX ). AN THE ACCOUNT WAS PLACED ON THE REPORT AND NO INFORMATION WAS GIVEN ON THE ACCOUNT. THE INFORMATION LISTED WAS INCORRECT.
Consumer complaint received 2018-04-02
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (NC)

They are calling from multiple numbers, A minimum of 5 times daily up to 12 times in a day. Their automated system states I have until XX/XX/XXXX to pay in full, but charges have been released to a collection company. I advised them that the amount and frequency of calls is harassment and needs to stop, do not call again. They told me if I paid my bills they wouldn't be calling. List of numbers used to call me below : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have tried to get this account removed in the past using the Fair Credit Reporting Act laws and it has been a true nightmare to deal with XXXX XXXX. 

First off, I requested a form of 1099-c which is a cancelation of debt about 3-4 years ago, to which I was told by them that they can not hand that to me till 7 years after the account was charged off. I don't know if this information is true but with the way things are going, seems like I will never get said form. 

XXXX XXXX is also reporting inaccurate and invalid information on my credit report as of XX/XX/XXXX which includes the date of the last activity and the date of the last payment on my credit report across the three credit bureaus XXXX, XXXX and Experian, thus damaging my creditworthiness. 

Furthermore, XXXX XXXX is also reporting a payment history as of XX/XX/XXXX, which is long after the account has been charged off. 

There is more inaccurate and invalid data being provided to the credit bureaus by XXXX XXXX as well, like the reporting of this account as 'open ' even though it was charged off in XXXX. 

Under the Fair Credit Reporting Act laws, XXXX XXXX has been violating so many regulations which are grounds for the removal of this account from the Credit Bureaus.

The statute of limitations in the state of California is seven ( 7 ) years ; according to The Fair Credit Reporting Act, this account should have already been removed from my credit profile. However, due to the illegal and unethical reporting from XXXX XXXX, this account remains on my credit report even after 7 years and will continue to remain because they have reported a payment history as of XX/XX/XXXX, therefore restarting the statute of limitations that applies to me through my state of residence ; California. 

Please understand my frustration as I have been trying to clean up my credit profile for my sake and the sake of my family.
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

My name is XXXX XXXX I have a credit report that states addresses I lived in and a more then a few phone number that are not mine. A freeze on my account and I cant not get it to it due to someone else 's phone number on account do not match my info I need it fixs and to find out who it is so I can get back to normal. I would like you to find out who it is and take any action. Thank you for you time. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX colo XXXX number XXXX XXXX or XXXX thank you
Consumer complaint received 2018-07-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MS)

Or Friday XX/XX/XXXX i received a phone call from XXXX XXXX stating that i had been approved for a {$3000.00} loan. He asked me questions about my employment credit score etc. He then stated that because my credit score was low that i would have to purchase insurance so he could boost my credit score up. He then asked me to go to XXXX XXXX to purchase a gift card for the insurance. When i got there i didnt purchase it because my phone battery was low. Later that evening they contacted me and asked me was i still interested i said yes and he told me to purchase a {$200.00} gift card. I did. He then connected me with a lady and she said my money was on hold because of a state to state fee.. she then told me to go purchase another {$200.00} cardand that she would combine the other card with that one and that would cover it.. after purchasing it she said i had to get another card because the 1st card was for the insurance.. I began to get angry and asked her for a refund and stated that i didnt want it but she said no i would lose it and not get the loan. I got another card and she put me on hold. She connected me with a guy name XXXX and he then stated i had to pay {$500.00} for legal documents i finally realized to i had been ripped off and that it was a scam and asked for a refund because it was a scam and he said that they would refund my money back and he hung up the phone in my face. In all i purchased {$600.00} worth of cards.. a total of 3 {$200.00} XXXX XXXX cards
Consumer complaint received 2021-09-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

I enrolled in a program through my employer XXXX XXXX to get on a plan where my employer would pay $ 100 monthly specifically to my Principal balance on the designated loan XXXX XXXX XXXX monthly as long I am in good standing monthly for this loan. The funds have not been getting applied correctly. So far XXXX XXXX has made two payments for {$100.00} one on XX/XX/2021 and one on XX/XX/2021 for both the months of XXXX and XXXX respectively and XXXX XXXX did not post the funds to the Principal balance of this loan as requested. 

I called on XX/XX/2021 initially since the {$100.00} for the month of XXXX was not applied to principal only for loan XXXX XXXX XXXX. I requested that this be adjusted. The customer service agent stated they submitted a request to have this updated and said it would take a few days. The customer service agent also stated that they would make sure that the loan is notated so that funds are applied to the loan 's Principal each month, this did not occur and I had make a second call on XXXX since the correction was not completed. I was told the it will be corrected as before on XXXX call, but this request was not fulfilled. 

I called again on XX/XX/2021 and customer service acknowledged that the adjustment requests were not completed properly and neither one of the {$100.00} dollar transactions were posted to Principal correctly. She stated that she would do a special request to make sure that both instances of {$100.00} for the months of XXXX and XXXX are adjusted and posted to principal only to this loan. She also suggested I ask to see if my employer can address the payments loan moving forward. I agreed, though I was very annoyed because when I set up the program I was asked which loan to apply the funds to initially, which I provided. 

I am still very frustrated that I had to make 3 calls and this point in time, with my funds still not being applied correctly. Funds were not applied to the Principal balance as agreed and I had to call several times and there still no resolution. Please address this issue.
Consumer complaint received 2021-09-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (CA)

We originally had a first mortgage with XXXX XXXX XXXX which was a major player in the collapse of the financial markets during the last recession, prior to that, In XXXX I applied for an equity line of credit with XXXX XXXX XXXX. During the housing crisis of XXXX I lost my job and was unable to pay my mortgage with XXXX  XXXX XXXX and XXXX XXXX. on XXXX I was able to acquire a loan modification for the first mortgage I was told that XXXX XXXX closed its doors and this account was reported as charged off as a forgiveness debt. I have NOT received any information, bill, or mortgage statement as to this debt until XX/XX/XXXX from XXXX XXXX XXXX [ EXHIBIT A ] stating they were my new mortgage servicer. I called XXXX XXXX XXXX and told them I understood this loan was charged off, she looked into the file and agreed it was no longer active and that it was sent by mistake. And Then I received one month later on XX/XX/XXXX a mortgage statement from Statebridge Company [ EXHIBITB ] declaring my mortgage payment is {$1300.00} a month but there is an over due payment of {$210000.00}. The original line of credit was for {$130000.00} I'm being charged interest for the loan since XXXX and have not received ANY information, bill, or mortgage statement since XXXX. On XXXX XXXX I sent a Qualified Written Request [ EXHIBIT C ], requesting a payoff and history of payment and explanation of this account and on XXXX XXXX I receive a loan history statement [ EXHIBIT D ] and I noticed an error on the loan history statement so I contacted the loan manager XXXX XXXX  to explain that they were charging for forced placed hazard disb. Then Yesterday XX/XX/XXXX I received notice of trustee sale taped to my door [ EXHIBIT E ]. As of today XX/XX/XXXX my home is now in foreclosure with a sale date of XX/XX/XXXX. Trying to deal with Statebridge has been very difficult I decided to apply for a loan modification even though I don't think that I owe this money knowing the payoff is wrong but because they filed a NOD XXXX XXXX I was scared that they would file a notice of trustee sale but they proceeded to file anyway without finishing the review of this account they say their investor is not willing to negotiate for a loan modification or any resolution except full payment when I spoke to XXXX XXXX  he says to send everything in writing because he has no knowledge of the previous account balance but he explained that his client/ investor is a new investor since XX/XX/XXXX when this account was transferred from XXXX XXXX to Statebridge XXXX We have lived in the home since XXXX and would do anything to keep it out of foreclosure. So I don't have any other options other than to contact you to help me to resolve this matter.