davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX, CapitalOne sent me a text message that is suspicious transaction about my card ending in XXXX. 
" Hi, it 's Capital One. Di you just spend {$640.00} at XXXX XXXX XXXX w/ card ending in XXXX? Text CONFORM if yes or DENY if no. Std carrier chrges apply '' I replied " DENY '' Then, I got confirmation text message from them. 
" Got it. We 're stopping all purchases on your card. Sign in to start your fraud claim now : XXXX XXXX XXXX XXXX  carrier chrges apply '' So, I thought that problem was resolved because Capital One detected the fraud and stopped it. 
On Posted transaction of capitalone oneline, it shows a transaction {$640.00} at XX/XX/XXXX and a transaction - {$640.00} at XX/XX/XXXX. 
So, I thought that is good. 
But, later, I got a mail to say that I should pay {$640.00} because CapitalOne found no indications of fraud. 
And I checked my XXXX account, there shows a XXXX  Tracking XXXX which delivered something to XXXX XXXX, NJ and signed by XXXX ( I have no idea who it is ). 
I tried to contact CapitalOne about this fraud problem. But, there is no message or email on their website. And, when making phone call, I waited long time and they just keep transfering my call to another person without resolving the problem.
Consumer complaint received 2017-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted TransUnion about my credit report. Informing them that you is XXXX XXXX committed fraud. By falling fraudulent foreclosure against my property in 2009. I 'm asking them to give me a copy love the credit report when they first remove XXXX XXXX from the credit report they to refuse. As well as a letter stating the date when we first put on there and more in poorly I 'm needing the letter updating my credit report when it walls taking off and they are refusing to do any of these things to certify the customer. They to have the police report and supporting documents. Thank you
Consumer complaint received 2021-07-07
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 {$0.00}, {$3000.00}, {$0.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$3000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-07-07
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. (WA)

Equifax is continuing to violate me as a federally protected consumer by not following my demand to remove the stated inquiries I've instructed them to remove, based on the Fair Credit Reporting Act. 

By not complying with my demand to remove the mentioned items IMMEDIATELY, they are continuing to violate the FCRA, 15 USC 1681a ( 2 ) ( B ) which is the exclusion section of the FCRA, which explains what a consumer report does NOT include.

Section B of the exclusion section states that, any authorization or approval of a specific extension of CREDIT directly or indirectly by the issuer of a CREDIT CARD or similar device which means that the mentioned inquiries I am demanding to be removed are under that category, therefore I am demanding they be removed IMMEDIATELY. This is federal law, not opinion.
Consumer complaint received 2017-11-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United PanAm Financial Corp. (FL)

I am disputing the following ; Account Name : XXXX XXXX XXXX XXXX Account Number : Account # XXXX Dispute Reason : Balance Amount is Inaccurate Dispute Reason : Past Due Balance Amount is Inaccurate Correction Is : Balance and Past Due Amount = {$0.00} Dispute Reason : This account was sold to 2 different collection agencies. The above account was sold to two different collection agencies ; therefore, there is no balance amount owed to XXXX XXXX XXXX XXXX ( See Attachment ) XXXX XXXX XXXX  XXXX sold the account ; therefore, there is no Past Due balance or Current Balance owed to XXXX XXXX XXXX. The FCRA states that 100 % accurate information must be reported on my credit file ; therefore, due to the inaccurate information this account must be removed from my credit file immediately. The 3 credit bureaus are stating that XXXX XXXX XXXX is verifying that the account balance and past due balances are accurate which is impossible. 

XXXX XXXX XXXX has sold this debt twice to collection companies. Once XX/XX/XXXX to " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' ( See uploaded attachment ), They sold the debit a second time to " ACT '' in XX/XX/XXXX ( See attachment ). 

XXXX XXXX XXXX CAN NOT Verify or Update a debt that they no longer own and sold twice to two different collection agencies. 

XXXX XXXX XXXX has sold this debt twice to collection companies. Once XX/XX/XXXX to " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' ( See uploaded attachment ), They sold the debit a second time to " ACT '' in XX/XX/XXXX I have exhausted means to settle this debt with XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX is currently in  violation of the Federal Debt Collection Act and I demand this account be removed immediately from all 3 major credit bureaus.
Consumer complaint received 2017-11-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (CA)

open escrow on XXXX-17 this was a 20 day escrow I paid for appraisal and inspection, seller got termite and hoa inspection done purchased home warranty. On friday XX/XX/XXXX at XXXX I was told I didnt have a loan and I loss the house because I was not fully qualified. I also gave notice to my apartment to be out by XX/XX/XXXX. I had put gas and electricity in my name already as I was told too, purchased a home insurance as well. 

I signed disclosures of rate, had rate locked, amount of all expenses to buy house
Consumer complaint received 2021-07-08
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. (NJ)

I am not getting responses from the credit bureaus for the following accounts I disputed several times : XXXX  Account # : XXXX XXXX Account # : XXXX | XXXX XXXX XXXX Account # : XXXX | XXXX XXXX XXXX Account # : XXXX
Consumer complaint received 2017-11-28
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: Nelnet, Inc. (VA)

nelnet loan {$2100.00} opened XX/XX/XXXX Dispute dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account still being validated even after confirming with original creditor ( dpt of edu and nelnet ) that no record of this account exists under my SSN. Tried to tell XXXX that balance may belong to my brother and account was misplaced because of name similarities. Account still affecting my approval odds with future creditors. When asked for a supervisor from both XXXX and nelnet, was placed on hold. No one ever returned to line.
Consumer complaint received 2017-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (VA)

On XXXX XXXX I sent TransWorld system a validation letter in regards to a collection account that was on my credit from them that was unfamiliar to me. TransWorld failed to respond or put my account in a disputed status within 30 days .... Per FCRA regulations all accounts must be placed in a disputed status within 30 days from the date of receipt ... Per my certified united States postal service mailing receipt TransWorld Systems received my letter on XXXX XXXX, 2017 ... As a result of a direct violation of FCRA, and also failing to respond I ask that this account be removed immediately and not sold to any other company ...
Consumer complaint received 2021-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am not getting responses from the credit bureaus for the following accounts I disputed several times : XXXX Account # : XXXX XXXX Account # : XXXX | XXXX XXXX XXXX Account # : XXXX | XXXX XXXX XXXX Account # : XXXX
Consumer complaint received 2021-07-07
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2017-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I did not authorize XXXX checking my credit, I have had an account with them for some time and recently received information from them stating that my credit limit had been raised. I placed an order on XXXX XXXX, 2017 as a XXXX gift. I was charged in addition for the merchandise, {$41.00} for expedited shipping. The merchandise was never received, I noticed last week that they had checked my credit. I monitor this report frequently and did not authorize anyone to check my credit. I spoke with them today and they told me I had to call back to cancel the order because it had shipped today. I sent them an email on XXXX XXXX cancelling the order because it did not arrive on time. I called today to cancel the order again when I was notified it had shipped today. They told me there was nothing they could do and I should wait a few days and call back when the order was delivered. The persons I sent the order to will not be at the address any longer so I do n't want anyone else getting this merchandise. They told me today that the reason it was late was because they had to check my credit. I did not authorize this and would have paid for this order rather than have a hard hit on my credit report.
Consumer complaint received 2018-03-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

This company repeatedly calls me before XXXX XXXX They call from different numbers and do not leave a message. I have yet to receive a debt validation notice via the proper channels i.e. Via mail. I have no idea. Why they are calling and harassing me. I have blocke several numbers and then they call from another number.
Consumer complaint received 2017-11-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: STERLING JEWELERS, INC. (IL)

I had a credit card with XXXX 's XXXX for two years never had a late payment. My bill was due the XXXX of every month. Unfortunately, XX/XX/XXXX I had a XXXX in my family and had to go out of town for a couple of weeks. I somehow missed my payment due on the XX/XX/XXXX but, paid it on XX/XX/XXXX after I got back in town after the funeral. The next day I received a letter in the mail from XXXX XXXX XXXX stating that I was 30 days late and my account was closed. I called customer service and the rep stated that my account was closed due to non-payment and they could not reopened my account but if I waited a year they might reconsider.
Consumer complaint received 2017-11-28
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. (IL)

Equifax has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PUBLIC FILINGS XXXX XXXX XXXX XXXX XX/XX/XXXX INQUIRIES XXXX/XXXX  XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-11-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (IL)

This company Fair Collection and Outsourcing located at XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX could not verify a invalid debt that was put on all three of the credit agencies preventing me from obtaining housing and credit to better my life. They couldnt verify the debt.
Consumer complaint received 2018-03-20
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION (NC)

In Reference to Company Credit Acceptance Account Number XXXX   ... ..

In XX/XX/XXXX my transmission blew so the company Credit Acceptance would not offer any assistance so I had voluntary repo the company did not take proper action as the NC law states about repos Currently I have learned they sold the car in a car auction XX/XX/XXXX 0r XX/XX/XXXXhowever through theUCC and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered. I received no notices also they are reporting inaccurate information like this account is new this account is at least 8 years old which should have been deleted off my credit file which I am requesting that Credit Acceptance Corp Delete in the next 15 days such we all can agree they have not took proper action in notify me of the debt also did not send notify me when the vehicle was auction off and no notification when reporting on my credit file 5 days prior and reporting as if it is a new account. I have attempted to dispute with the Credit Bureaus at least 4 times I was susscessfully with XXXX but XXXX and XXXX it comes back as verity but not ( validation nothing with my signature ). I appericate the CFPB help in this matter.

Sincerly XXXX XXXX
Consumer complaint received 2022-01-06
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (FL)

On XX/XX/XXXX I made a payment of {$760.00} to the United States Department Of Education loan provider Great Lakes. Which was posted XX/XX/XXXX. The reasoning of this complaint is do to the fact that I currently have reviewed my credit report for XX/XX/XXXX. Understanding the credit report is inaccurate stating I owe a stagnant debt of {$760.00} to the Department Of Education for a federal loan. Do to the provider of Great Lakes company incompetency and failure to report my payment to the credit bureau agencies .I have a bank statement providing the evidence of my complaint and asking may this problem be rectified please. 

Great lakes contact number XXXX XXXX XXXX
Consumer complaint received 2021-07-07
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 — Problem with personal statement of dispute
Company: ERC (MD)

A collection was illegally place upon my credit report with all 3 credit agencies, without my consent. XXXX XXXX XXXX XXXX and ENHANCED RECOVERY COMPANY ). Once paid and settled, I requested the creditor to delete the account from my credit report. They refused to. I requested XXXX, XXXX, and XXXX to remove the unverified item off my credit report. It simply came back as verified as paid. I understand my rights under the Fair Credit Report Act, so dismissal of this account from my credit report is requested at once.
Consumer complaint received 2017-11-27
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: AR Resources, Inc. (FL)

Looking at my credit report back in XX/XX/XXXX I saw accounts in collections and I never gave any company the right to share my information whatsoever. The account is for {$36.00} which is listed on my credit report as account XXXX. I sent a letter to the agency on XX/XX/XXXX requesting that they validate the debt and show competent evidence bearing my signature  that I have or ever had some contractual obligation to pay them. I was sent a bill on XX/XX/XXXX stating I owed them but they never provided me any evidence bearing my signature that I have ever had some contractual obligation to pay them. As a result they are in violation of the FCRA ( Fair Credit Reporting Act ), the FDCPA ( Fair Debt Collection Practices Act ) and HIPPA ( Health Insurance Portability and Accountability Act of XX/XX/XXXX ). I sent a follow up letter on XX/XX/XXXX informing them that they are in violation of HIPPA and stated that I would file a legal complaint  unless they removed this from my credit report. I have yet to hear back from them
Consumer complaint received 2017-11-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

During the month of XX/XX/XXXX I was reviewing my credit report and noticed that XXXX XXXX was reporting a 60 days late payment. I called them and they said that it was for a {$2.00} fee administrative fee that I never knew about. I was never told or explained that this was going show up on my personal credit report. I sent them a letter and they replied that they were reporting accurately. I have repeatedly called and to no avail. No one can explain the {$2.00} charge accurately or why I was n't informed. This has resulted in me being denied a home loan because of the way its being reported ( 60 days late ). I have lost over 35 pts on my credit report for something that I had no fault. I have been a client of XXXX 's since XX/XX/XXXX and I have never been late, as a matter of a fact I barely use this card. I have attached my credit report in order to demonstrate that I do not pay my bills late, that I am very responsible with my payments, My credit report will speak for itself.
Consumer complaint received 2022-09-10
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: EQUIFAX, INC. (TN)

1. Equifax has erroneously listed a hard inquiry from XXXX XXXX on my credit report. 
2. XXXX has confirmed a ) they have no record of this inquiry b ) they have no record of me requesting credit and c ) I am not a customer of XXXX. 
3. This is an Equifax error. I have disputed this with Equifax several times. I have explained that the error was Equifax 's, and Equifax has failed to remove this hard inquiry from my report.
Consumer complaint received 2021-11-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC (CA)

During Covid-19 shut down, my husband and I were out of work. We decided to do a forbearance on our mortgage incase we were not able to pay it during our lay off. After 6 months I called to resume my mortgage, as we both went back to work. My mortgage company reinstated my mortgage and added a 2nd loan for the missed months. They added a {$22000.00} 2nd loan. I asked they repeatedly to send me a breakdown of this 2nd loan and what it consists of. They have refused to give me this information. This has been going on sense XX/XX/XXXX. My loan balance started at {$350000.00}. We made 4 mortgage payments before going on Forbearance dropping out balance to {$340000.00}. After the forbearance period was over and my loan was reinstated my mortgage balance increased to {$350000.00}. If this is a non interest baring forbearance how did my principal balance increase by {$9500.00}. They will not send me any information to explain this to me. I need help. My mortgage is with United Wholesale Mortgage. Not only that but when I go on the website to view my past documents, they are now missing!
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Ive recently tried several times to receive my credit report. 
Every time i'm asked question about accounts and car purchases .I have never applied for a car loan or home loan. 
My credit isn't bad and for the last three years it hasn't increased. 
I would like to get the information of the person or persons involved in this. The credit reporting agency is not giving the information or a view of my credit report or assistance. The information on my credit report i haven't viewed due these verification and questions i know nothing about.
Consumer complaint received 2021-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Kikoff Inc. (MA)

I have reached out to his company several times however they have not responded to my dispute in regard to this account they are reporting this account with late marks even though I have reached out to them for forgiveness due to hardship brought by COVID 19 I have been relieved from my work and have been having a hard time.