davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (MN)

I recently requested a credit line increase on Discover Card # XXXX and was declined, despite my excellent credit history. Discover sent a form letter ( attached ) that listed the reason for the denial as " status of existing / prior Discover Card account ''. I called the Credit Operations department on the letter and was told that the issue is an prior account that was charged off in 2011 XXXX XXXX ). This card had unauthorized charges in 2011 while I was overseas. I requested an investigation, which Discover refused to do, instead offering me a compromise of a the current card account and telling me that the 2011 matter would be removed from my internal history. Now Discover is telling me that this was not removed, my current account is still flagged for the previous account, and that they refuse to investigate the 2011 matter as being too old and the amount being too small ( {$500.00} ). I have been denied credit due to Discover refusing or neglecting to retain records and fully investigate the 2011 matter, or to remove the negative notation.
Consumer complaint received 2020-07-21
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. (GA)

All of the proper documentation was submitted on XX/XX/2020 and the bureaus didn't respond within the 30 days allowed by law and therefore every fraudulent account should be removed immediately! I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.
Consumer complaint received 2020-05-05
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 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX XXXX  XXXX {$3200.00}
Consumer complaint received 2020-05-05
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX XXXX  XXXX {$3200.00}
Consumer complaint received 2023-01-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (GA)

I had to accept work out of state. I maintained my citizenship while working out of state. I got behind on my mortgage payments and put the house up for sale. The house sold for a quick cash sale with a closing date set. I informed Wells Fargo of the sale and immediate closing date of the cash sale. Wells Fargo refused to allow me to sell the house for {$130000.00} which was more than the amount owed on the mortgage. Within about 30 days the house was foreclosed on and sold at a sheriffs sale. The purchaser was Wells Fargo that in turn sold the property for approximately {$40000.00} less than the cash sale that was ready to close.
Consumer complaint received 2024-02-23
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. (GA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : XXXX
Consumer complaint received 2020-05-05
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. (AR)

My identity has been stolen. While I was trying to purchase my first home through a first tie homeowners program I was told when they pulled credit that there was no way I could become a homeowner with all the derogatory items on my accounts please remove them from my report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSEDXXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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

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

15 U.S.C 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 2020-10-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (AZ)

I reviewed my credit report and noted a collection account from RMP LLC dating back to XXXX FOR {$85.00}. I asked my daughter in law to contact them because she and my son are my guardians. The following narrative is from my daughter in law : On behalf of my mother in law, I contacted them on XX/XX/XXXX to find out what this was for and pay if validated as my mother in law has been living with us for almost 3 years and we have never received any correspondence on this debt. I was greeted with a person who was extremely rude and when she gave an address that was not ours, the agent began to interrogate me on how they had an incorrect address, this went on and on.. I was able to get in that all I'm trying to do is find out what this is about as she is on SS and had 3 different insurances. The agent put me on hold and promptly hung up on me. I then contacted the original creditor and ascertained that they had failed to submit bill to her secondary insurance and would get back with me. After a week, I contacted the original creditor again and was told that they validated she in fact had other insurances and they errored in not billing correctly. They also stated they would be sending email to RMP LLC to delete the tradeline due to this error. I received a call back from creditor stating RMP LLC refused to delete tradeline immediately, stating they ONLY update XXXX of month and it would take 30 to 60 days. I stated to the creditor that this is baffling as they are purposely negatively affecting someone credit score even in light of learning this was a billing error! Today, we received a billing in the mail from the original creditor for the same claim as the collection company RMP LLC which is still showing on the credit report.
Consumer complaint received 2019-05-30
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: EQUIFAX, INC. (OH)

To Whom It May Concern This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I waiting on something that meets the standard of Section XXXX09 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant find this information you are required to delete this information, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I am struggling to see where the following companies are in compliance with OHIO LAW. The following account are still unverified : XXXX   XXXX XXXX BAL {$2600.00}, XXXX XXXX BAL {$750.00}, XXXX XXXX XXXX BAL ; {$300.00}
Consumer complaint received 2020-10-21
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. (FL)

Since XX/XX/XXXX XXXX XXXX XXXX XXXX  has failed to update my credit report for my account ending in XXXX. They show I owe over XXXX. The account has been paid on time since XX/XX/XXXXand should show a balance of {$2400.00} of the initial loan amount.

They have been contacted and given authorization to discuss this with my spouse, and they refuse to.

They are in violation of the FCRA and negatively affecting my creditworthiness for years.

The reference # they gave me Ref # XXXX. 

I am trying to refinance and their bad reporting is make it difficult for me to complete this.
Consumer complaint received 2021-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (MD)

I have a collection reporting to my credit report that is not mine and fraudulent. This company has made may reports to my report please see the time line below. 

XXXX I was alerted by Ability Recover Services LLC that I have a debt dated XXXX 
XXXX Ability Recover Services LLC reported to my credit reports as derogatory ( they did not give time to validate ) XXXX I sent a letter ask for validation of the debt, as it is not mine. I still have not received a response. 
XXXX I sent a letter to the Credit Bureaus asking them to validate the debt. No response. 
XXXX Ability Recover Services LLC reported to all of the credit bureaus as a major derogatory ( I still have not received verification of it being my debt ) XXXX I sent a 2nd letter to the Credit Bureaus asking them to validate the debt.
Consumer complaint received 2021-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX is reporting inaccurate, false, and misleading information on a collection account on my Equifax credit report. A collection agency should not be reporting a collection account 120 days late as the current status. I did not open an account with the collection agency, they purchased the bad debt. 

Purchasing a bad debt does not make them the original creditor. Only the original creditor can report me as 30, 60, 90 or even 120 days late. Monthly status codes related to delinquencies do not apply to collection agencies. 

The collection agency should be limited to reporting information such as : Date the collection account was opened The original amount owed along with the current balance and whether the account has been paid or unpaid No monthly delinquencies should be reported.
Consumer complaint received 2020-09-19
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FORD MOTOR CREDIT CO. (TX)

On XX/XX/XXXX, my husband and I went to look to trade out our XXXX XXXX XXXX. The lease was ending on XX/XX/XXXX. We decided to go with a XXXX model and started the process of closing the terms of the Ford Credit XXXX and starting the XXXX lease. This is when all the issues started. First, we were told that we would have to get the payoff amount from the XXXX Dealership we originally started the lease. After exactly 60 minutes of trying to get a person on the phone at XXXX XXXX in XXXX, TX, we eventually started the paperwork based off the payoff from calling Ford Credit which stated {$17000.00}. After paperwork was signed, we drove 30 minutes to the XXXX XXXX dealership where at least 50+ employees were in the building ( even though they couldn't answer a phone call ). Spoke to XXXX XXXX, their Finance Director, and eventually got the payoff for XXXX. I understand there's a difference because of interest, but we were not expecting it to be $ XXXX more. However, we then drove 30 minutes back to the XXXX dealership where we got the XXXX and redid the paperwork based off the new payoff and we paid the difference. About three weeks later, we started getting collection calls for the XXXX XXXX. We explained the car has already been traded in and paid off, but on their end, it showed it was not. Come to find out, Ford Credit was trying to add an extra {$4300.00} to the total payoff amount, even though we got a document from XXXX XXXX stating the amount of {$18000.00}. The XXXX dealership had to take it to their corporate office to dispute it, but eventually paid it off on XX/XX/XXXX. Now we are getting collection calls again stating we owe over {$1400.00}. We should NOT owe more money on a car we have not had since the end of XXXX and shows to be paid off!!
Consumer complaint received 2020-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (NV)

On XX/XX/XXXX I received a notice from Flagstar Bank dated XX/XX/XXXX indicating that they did not have proof of my homeowners insurance and that they would force place insurance related to my mortgage. 
Flagstar had recently ( XX/XX/XXXX ) bought the servicing of my mortgage from XXXX. I have maintained the contractually required homeowners insurance since the origination of this mortgage through XXXX. The servicing company 's shoddy recordkeeping and lack of adequate controls should not shift any burden to me to provide proof of insurance which is both currently in place and has been continuously in place since origination. 
I reject any accusation that insurance is not in place and further note that both XXXX and Flagstar have taken escrow payments as part of my monthly payment which are intended for both property taxes and homeowner insurance. They are responsible for paying both of these items. If they have not been doing so, they are effectively stealing from me by not using the escrow payments for the intended insurance and property tax purposes.
Consumer complaint received 2021-01-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (AK)

Ability Recovery Service is still reporting that I owe {$360.00} to them. I have done all my research and the so called debt was with XXXX XXXX, which I paid in the amount of {$260.00} as my final payment for the semester. I have provided receipts, bank documents and a letter from XXXX XXXX saying it was paid in full. So, my complaint is now against XXXX XXXX, Ability Recovery, and XXXX because they are allowing this to continue. Other credit reporting agencies show this closed and are no longer reporting, which is correct and accurate. Why XXXX continues to allow it is UNFAIR and ILLEGAL.
Consumer complaint received 2020-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NJ)

I received a a letter from XXXX  on XXXX dated XX/XX/XXXX stating my mortgage loan is past due in the amount of XXXX. I immediately called On XXXX and spoke with XXXX as I made payment per usual of XXXX and it was cashed. It was explained to me that I had a escrow analysis and my mortgage was increased. I explained I never received notification and asked for it to be sent again for my review before I make any adjustments. In addition, I have always traditionally paid the shortage in full as she noted in past years. 
XXXX demanded my banking information to pay the shortage immediately or my loan would be in default. She did agreed to waive the fees. In addition, I asked about deleting my escrow and paying my taxes on my own. In which she provided me with the email address of the escrow department and what contents were required. I was informed that it took 5-7 business days for a reply. 
I contacted XXXX on XX/XX/XXXX to follow up on my request and spoke with XXXX who informed me that the late fee remained from XXXX and I would also incur one for XXXX because I still had not been provided with documentation of an escrow analysis requested prior. XXXX  agree to waive the late fees for XXXX. I asked about the outcome of my request and was informed that I was approved to delete my escrow account. She informed me I still had to pay the shortage or I would incur a late fee for XXXX. I asked if I was approved and I have XXXX in my escrow account why I had to pay an additional XXXX if XXXX would have to reimburse me those funds and she said so I dont pay another late fee. I made payment immediately of XXXX. 
To my utter surprise, I received a notice dated XXXX after being told I was approved by XXXX   on XX/XX/XXXX that I was denied due to delinquent payments. I was delinquent XXXX because I was unaware of the increase! I have not been given the opportunity to even see this bill and when I called the number to rectify I am told too bad and their is no one I can speak to but just email another request. I am be penalized for not receiving a notification. I alone have to accept responsibility for XXXX mailings and the XXXX.
Consumer complaint received 2023-03-08
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: Self Financial Inc. (NJ)

In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

15 USC 1681I ( B ) I AM REQUESTING THE DESCRIPTION OF PROCEDURE OF THE REINVESTIGATION. USED TO DETERMINED THE ACCURACY & COMPLETENESS OF INFORMATION. 
WHAT STEP BY STEP ACTIONS HAVE YOU TAKEN? 
Who did you call? 
What exactly did they say? 
Neighbor visits? 
Interviewed? 
SBNASELFLNDR XXXX
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (MD)

I have paid Lexington Law to help with my credit and paid them upfront. They had not performed any of the services they stated I would receive and when I asked for a refund, they said I would get a portion of it back, but I had to wait a year by contract. It has been almost 2 years and I still have not received anything. They removed me from their system and when I called I asked for someone on the management team to give me a callback and that never happened. This agency has scammed me out of {$800.00} and refuses to provide me with a refund.

The lack of communication on their part and removal from their system tells me what type of company they are.

I end up paying 60 more because they talk me into doing an accelerated service they provided which yielded no results.
Consumer complaint received 2020-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I deposited my stimulus check from the gov of {$1200.00} to Capital One Bank ATM machine in XXXX XXXX XXXX, XXXX, NY XXXX around XXXX. I went home and immediately went on a chat with an agent on capital one requesting to have some of the funds available to me since I physically deposited the check. He released some funds to me and even helped me get my {$35.00} overdraft fee back. {$1000.00} of my {$1200.00} was available and everything looked okay. I woke up today and the deposit is not showing on my account. I was charged 3 overdraft fees for transactions I made right after I had some funds released to me from the cap one representative. I couldnt even had made those transactions without the funds being released since I was negative before that. I wake up the next day and my direct deposit from work is in my account but the check deposit disappeared. Its not visible in any sort of way. I contacted the bank via chat and asked whats happening. They said they do not see my check deposit. This makes NO sense since i made transactions yesterday and she even got in contact with the rep i spoke to yesterday immediately after the deposit. They agreed to refund my three {$35.00} overdraft fees from overnight. My {$1200.00} check they can not locate and confirm for some reason. The physical check must still be sitting in the ATM machine and I did not get a confirmation to prove it but its physically in there. Rep told me that this has to go to claims. I am outraged since I am now missing {$1200.00}. I had a lot of things scheduled for today. I was told to call claims dept. They too can not see the check on the back end apparently and will not release my funds to me. This is not something that I did but the bank messed up and can not trace my deposit yet the physical check is already in the ATM machine. They can check the cctv camera around XXXX to see that I deposited the check. They are holding my {$1200.00} in an ATM and wasting my time calling the bank and claims and chatting with different representatives only to be told that they can not trace is and an investigation will open. I just want my funds while they do their investigation since I am SURE i deposited my check. How can I trust my bank after this mishap. I dont even have a picture of the check nor can I contact IRS asking them to confirm with Capital One in regards to my check. This seems VERY suspicious and unfair as a customer.