davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems (FL)

TODAYS  DATE : XX/XX/XXXX   XXXX ,  XXXX   XXXX   SOC  SEC  #   XXXX  DOB  XXXX / XXXX /  XXXX   ADDRESS  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , FL  XXXX  MIDWEST RECOVERY SYSTEMS,  LLC  Your company have violated FCRA  615 ( f ) ( 15 U.S.C. 1681m  ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.   I need this resolve, under the Fair Credit Reporting Act, these disputed items  may  not appear on my credit report if they can not be supported by any evidence (  1  ) In general No person  (  company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section  1681c-2  of this title has resulted from identity theft.    ( 2 ) A pplicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragrap h ( 1 )  after the date of a notification under paragraph  ( 1  ).    ( 3 )  Rule of construction Nothing in this subsection shall be construed to prohibit - - (  A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.   A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section  1681c-2  of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.   The reference items are listed below please take this matter very serious MIDWEST RECOVERY SYSTEMS, LLC I have report your company to  consumerfinance.gov  As a form of record and I am prepare to sue your company  Example In re   XXXX   XXXX   XXXX ,  XXXX  Telephone  Consumer Protection Act  Litigation, Case No. 11-MD-2295-JAH-BGS, in the  U.S. District Court f or the    XXXX   XXXX   of California Stop  collection proceedings against me Signatures on applications and accounts Investigators report  TODAYS DATE  XX/XX/XXXX   XXXX ,  XXXX   XXXX  SOC SEC  #   XXXX  DOB  XXXX / XXXX /  XXXX   ADDRESS  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , FL  XXXX
Consumer complaint received 2015-09-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (OH)

I have sent documents to Equifax showing the correct spelling of my last name ( XXXX ) and ask Equifax to correct it. They do NOT have the ability to put an XXXX in my last name and therefore do not have the ability to properly report and maintain my credit record. I request that Equifax remove all records concern my file. 
XXXX does have the ability and did correct the spelling of my last name.
Consumer complaint received 2021-01-26
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HYUNDAI CAPITAL AMERICA (MA)

In 2020 around XXXX I got notified that I am overdue payments on my SUV  which was leased even though I have set up automatic payment. I tried to reach out to the KIA motor financials ( KMFS ) and they told that it was the tax amount owed by me. I had asked them to send me the invoice for it, but they said they dont have any and they get billed by the Government and I have to pay the same. 

The customer service agent on the line told me that there was a management change in KMFS and they are collecting this amount earlier. Usually they wait till end of the term, but I am liable for it. He also mentions that there are several other people who dont know about this tax and they get hit by this bill and they call them. He directed me to talk to the Municipality. I told the agent that I will talk to them and get back. I talked to them and found that the amount mentioned was wrong. 

Before I can do this they reported me to the credit agency that I was overdue on the payment. I called them and let them know the history and asked them to remove the default note on my credit report. KMFS customer service said they weren't responsible and they did not even transfer the call to anyone who can take care of the situation. 

Also, I paid the amount after that and no follow up came through on the issue even though I requested it. I reported the same to my credit reporter ( XXXX  ). They tried twice and they came back saying that KMFS did not agree to remove the listing. Hence writing to see how to resolve this. In summary 1. This amount has got tagged on to my invoice even though I told them to include all the known cost while leasing the vehicle and set up the amount as a monthly recurring payment. 
2. KMFS were unable to provide any evidence that I am liable for a certain amount and I had to overpay them to resolve the situation. 
3. Now even with the fault on their side and trying to adjust to the new management, they have put me in as a defaulter which has affected my credit score badly.
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: EQUIFAX, INC. (OH)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 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 2022-09-05
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. (WA)

On ( XX/XX/2022 ) sent a letter regarding inaccurate 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 items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-12
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: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

VIOLATION OF 15 U.S.C.  1681s-2(A) & 15 U.S.C.  1681b-2

AFTER REPEATED ATTEMPS TO REACH XXXX XXXX AT THE ADDRESS LISTED ON MY CONSUMER REPORT TO DISPUTE A INQUIRY THAT I HAVE NO KNOWLEDGE OF, AND HAVE NOT GIVEN XXXX  OR XXXX XXXX XXXX  ANY CONSENT OR PERMISSION TO ACCESS MY CONSUMER FILE. THIS IS A VIOLATION OF 15 U.S.C.  1681b-2

I ALSO MADE MULTIPLE DISPUTE WITH TRANSUNION AND IT YEILDED NO RESULTS AFTER SHOWING THEM DOCUMENTS OF INACCURATE INFORMATION THEY AERE LISTING ON MY CONSUMER REPORT ABOUT THE FURNISHER THAT IS FALSE

UPON MAILING MY DISPUTE TO THE ADDRESS LISTED ON MY CONSUMER REPORT MY DISPUTE WAS RETURNED BY THE U. S. POSTAL SERVICE DUE TO THE FACT THE COMPANY DOES NOT DO BUSINESS AT THE ADDRESS LISTED ON MY CONSUMER REPORT.

ATTACHED IN THIS FILING YOU WILL SEE THE ADDRESS LISTED ON MY CONSUMER REPORT AND WELL AS THE RETURN TO SENDER FROM THE U S POSTAL SERVICE SAYING THIS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS NOT IN USE BY XXXX XXXX.
Consumer complaint received 2023-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (SC)

XXXX XXXX Apartments charged {$820.00} on my credit because they said rent was not paid in XX/XX/2020. The property manger has stated and it's in their system that XXXX residents ' money orders were stolen and mine was XXXX. They were supposed to be investigating but still no response from higher management. I reached out to XXXX and they said that the money was cashed. I have the stub receipt from the money order and the email from XXXX XXXX stating that it was cashed.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have identity theft since XX/XX/2023 and there was a hard pull from Capital one in XX/XX/2023. In the meanwhile, I have mail theft happening in my home, my mail was constantly missing so I didn't notice the fraud account in Capital one until police came to my door investigating the mail theft, and then I found capital one 's statement about a balance in the fraud account. At that time the balance is around XXXX, under the credit limit XXXX. I called capital one to close the account and they said they would do that. But the next day, I found the balance increased to around XXXX. And one week later i received their investigation result, saying I was holding reliable for the balance. I think capital one didn't do the investigation and it brought me a lot of problems, I was dragging into the loophole to make calls again and again, just get the result I was still reliable. They won't tell me anything about the transaction in the credit card. I think it should be capital one to fully investigate this case not asking me provide evidence again and again.
Consumer complaint received 2022-02-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (IL)

I entered into a COVID-19 JOB LOSS forbearance program with US Bank , that began in XX/XX/2021. I did not make a mortgage payment in the months of XXXX, XXXX, XXXX, XXXX, XXXX or XXXX. Over the XXXX ( XXXX ) month period I spoke several times with US Bank, via telephone regarding the terms of the forbearance program. I was advised to call US Bank in the fifth ( XXXX ) month so US Bank could determine my options. In late XX/XX/2021 I had a phone conversation with US Bank. I was offered a mortgage loan modification, as follows : Modification terms Unpaid principal balance : {$110000.00} Payment : {$860.00} Interest rate : 3.125 % Term : 360 Maturity date : XX/XX/2051 First monthly mortgage payment due : XX/XX/2021 XXXX payment was made : {$860.00}, with {$130.00} additional principal = {$1000.00}. Note : There is no XXXX on the property at XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX XXXX payment was made : {$860.00} XXXX US Bank refused to accept payment. No explanation given, other than, I would have to reapply. Numerous attempts to get an explanation have been futile.
Consumer complaint received 2016-10-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENOVA INTERNATIONAL, INC. (IA)

On XX/XX/XXXX I got a call from XXXX and they said they collecting for XXXX okay. I first set up payments paying XXXX that day with my debit card. That night my husband and I talked about it and pulled money from savings and I called back the next day and paid off the balance. So the full balance was paid XX/XX/XXXX. I have them both on my statements. So they say - we will send you a letter blah blah. Well we are in the middle of moving since my husband was separating from the XXXX, and to be honest kinda forgot about the letter. Fast forward 3 months and we are trying to buy a house. My lender pulls our credit report low and behold- a new collection account popped was reported XX/XX/XXXX- and blows our credit score way down. I was furious we had an offer on the house and waiting to close. I called XXXX, and ask why was this reported XX/XX/XXXX when we paid it in XXXX!! All they said was sorry we will updated the balance to {$XXXX}! No I said I need it removed. She said sorry we do n't do deletes here. You just cost me my house! and they refuse to remove it even when I paid it 3 months ago!! How can they report it AFTER it was paid.
Consumer complaint received 2018-03-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (IA)

I have opened a Coinbase account last year and had go through a few transactions before it was unabled. Previously, I still able to withdraw, deposit and buy from the account. However, since last XX/XX/2017, I faced this issue for not able to do anything with the account such as buying, withdrawing and depositing. I just want the money to be out from that account so that I could pay for my expenses. I have contacted Coinbase support team so many times, and they told me to wait until the Specialist looked over my case. They even say I was at the highest priority level but until today, they still have not solve my issue. I also saw many comments about the same issue in XXXX and have posted my issue there. Also, I sent several personal message to the coinbase staff through XXXX since they did replied to some of the comments in the post. Unfortunately, no one response to me. This issue has been up for more than 5 months since last year and I really want it to be solve.
Consumer complaint received 2020-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/XXXX I charged {$5500.00} with XXXX XXXX Mastercard Credit Card. 
There was a promotion of no interest charges until XX/XX/XXXX. On XX/XX/XXXX I mailed in my last balance of {$1000.00}. I was paid in full. 

Now, they are charging me {$370.00} in interest charges because I paid of the card 15 days after. I understand if they charge me interest for 15 days for {$1000.00} but they are charging me interest for the total amount. 

I think this is not fair and I am asking for your help.
Consumer complaint received 2017-02-28
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

We had our home mortage with Capital One Bank and when we got ready to sell we got a pay off from them. we were suppose to close on the XXXX of XXXX and so they sent pay off to title company. When we found out we were going to close on XXXX of XXXX instead we called them and asked for another pay off. We did have a account with Capital One and had closed our account around XXXX of XXXX. Anyway they said on the phone everything was ok and so they sent new pay off to title company for XXXX XXXX. The agent at title company sent extra since the XXXX was a holiday and knew it would not get to bank til XXXX. On the XXXX of XXXX. I got a call from bank telling me that we owed another XXXX because the house loan was not paid off. I went and tried to pay the payment but was told first they would take cash then told they could n't take cash they needed a bank account which at that time I gave them. Then I was told it was now XXXX because of interest. When I got home I called the title company and they said they got both pay offs and went by the latest one. They sent what the bank reported to them and I did n't owe them because it was the banks mistake. The bank says my XXXX payment was not made and that was the reason. My payment was due on XXXX of XXXX but had 15 days grace and since we were paying off on XXXX they were told no payment was being made. My problem is when the title company and I called the bank they said they only up date and send new payoffs when asked. We had already gotten XXXX payoffs and they made the mistake and yet we were suppose to pay for them not doing their job The bank was called because they had loan and it is their job to figure out what is owed in order to close loan out.
Consumer complaint received 2016-12-09
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (NY)

TJ Maxx delays crediting payments up to 21 days. I made payment on XXXX XXXX, 2016, money was take out form my account right away but the payment was not credited to my credit card yet. when I called TJ Maxx yesterday, i.e. XXXX XXXX, customer service told me that it takes 21 days to credit my account despite they took money right away. Is it the legal practice? No other credit card I have delays my payments.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL (NJ)

SYNCB/PPC- While scrutinizing my credit report, I came across an irregular balance linked to a closed account. To my astonishment, it appeared that PayPal had transferred my account to another entity without my explicit knowledge or consent. I was never notified of the closure of my account nor was I asked for authorization to transfer my information to a different company. In accordance with creditor practices, once an account is closed without the consumer 's acknowledgment and without permission to sell it to another entity, it no longer pertains to me.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Cornerstone Holdings, Inc. (LA)

I had several medical bills from XXXX XXXX XXXX get sent to a collections company called Cornerstone Credit Services in XXXX, Alaska. I was unaware of these collections and as soon as I found out I paid the collection agency with the understanding that they would be deleted and stop reporting negatively. All accounts were paid in full on XX/XX/XXXX. As of XX/XX/XXXX they are still reporting negatively with all three credit bureaus. The account informations is as follows : XXXX XXXX XXXX : Date assigned to cornerstone : XX/XX/XXXX Amount : {$260.00} XXXX XXXX XXXX : Date assigned to cornerstone : XX/XX/XXXX Amount : {$300.00} XXXX XXXX XXXX : Date assigned to cornerstone : XX/XX/XXXX Amount : {$60.00} XXXX XXXX XXXX : Date assigned to cornerstone : XX/XX/XXXX Amount : {$53.00} XXXX XXXX XXXX : Date assigned to cornerstone : XX/XX/XXXX Amount : {$53.00} XXXX XXXX XXXX : Date assigned to cornerstone : XX/XX/XXXX Amount : {$330.00} There is also a collection account sent to Cornerstone credit services from XXXX XXXX XXXX. That was never my account and disputed this also. I paid cornerstone the collection amount to ensure that it would be removed from negatively reporting from my credit report. This too has not been done. Information is as follows : XXXX XXXX XXXX : Date assigned to cornerstone : XX/XX/XXXX Amount : {$760.00} It is my desire to have these items removed/deleted as promised by cornerstone when I made payments on these collections accounts.
Consumer complaint received 2016-04-05
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (CA)

In XXXX, my wife and I got a modification for our mortgages. 
From the XXXX bureaus they were reporting late payments. 
I pulled my credit report and the mortgage was supposed to be reporting positive but did n't. I called my lender in XXXX XXXX to find out why my loan was not reporting positive and was told that my wife filed a chapter XXXX in XXXX and they can not report any activity to the bureaus unless my wife 's attorney re-affirms the loan. Later on I filed an online dispute with all bureaus. XXXX updated the file and closed the account. XXXX did the same. XXXX verified the information and it remains. This has lowered my scores.
Consumer complaint received 2016-10-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

in 2007 i received my XXXX credit report and noticed there were numerous merchants that were not mine. i called transunion to report this and thet said they would take care of it. i later found out i made the mistake of not contacting the merchants. i recently tried to get copies of my past credit reports ( 2007 etc ... ) and they said they couldnt produce them. i beleive im a victim of identity theft that is sometimes followed by stalking that can go on for 5 years or more can cause XXXX etc ... i need these past credit reports to prove im a victim of idetity theft to stop the stalking.
Consumer complaint received 2023-03-28
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: Experian Information Solutions Inc. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX {$7700.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$6300.00} XX/XX/XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$7700.00} XX/XX/XXXXXXXX XXXX XXXX