davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-27
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: LOBEL FINANCIAL CORPORATION (CA)

Lobel Financial auto loma has been harassing me my family members and friends calling my job everyday giving them different names for me to call them back about a auto loan I didnt pay telling my employers why they are calling to collect a debt after I told them not to call I never gave permission for them to contact my job or my reference ... they sending me court papers stating they are suing me for the amount owed and will garnish my wages if not paid I never received a court paper to appear in court. When I called to ask they said they would send me to the legal department and I told them I didnt k ow I was being sued I didnt receive any papers and the legal team told me to pay up or they will Sees my assets and garnish my wage Im so confused on what to do
Consumer complaint received 2017-02-25
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

In XX/XX/XXXX, I closed all of my accounts with Capital One 360 after it acquired ING Direct. Today, XX/XX/XXXX, I got a letter from Capital One telling me to log in and verify my account to continue to receive emails. This surprised me since I had closed all of my accounts. I called Capital One and spent an hour trying to find out what was going on until I finally got a supervisor who closed the account. However, when I asked to receive a written confirmation ( or email ) confirming the account closure Capital One refused to do so. I still have no confirmation that this account is closed, even though I have now closed it two different times. Apparently asking Capital One to confirm something is beyond their ability to provide, which is disappointing.
Consumer complaint received 2016-04-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (MN)

Wanted to add more info reguarding my complaint on EXPERIAN REPORTING AGENCY HERE IS COPYS OF ALL MY CERTIFIED MAIL RECEIPT THAT I HAVE SENT THEM ASKING FOR THE FCRA SECTION 609 INFO AND AS YOU CAN SEE THEY HAVE FAIL TO COMPLY..
Consumer complaint received 2019-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank (CA)

If consumer closes an account and demands it to be removed or deleted from his credit report and there's no financial obligation left on that particular account, credit bureaus and credit card companies should be forced to remove account if its requested by the credit card holder. 
I closed two of my accounts : XXXX XXXX XXXX and XXXX XXXX XXXX, because of high interest rates and frivolous charges that were being applied monthly and yearly. Both of these credit card companies are still on my credit report and showing late fees that is most definitely affecting my credit and hindering my chances of securing a loan for my daughter 's education in the future. 
Thank You!
Consumer complaint received 2015-10-05
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (RI)

Case # XXXX Ref : XXXX XXXX DISPUTEIn response to XXXX XXXX Executive Mortgage Specialist for Wells Fargo. After doing a lot of research, hence my delay for getting back quicker. I have to say that XXXX XXXX did not include all the correspondence that I have received from Wells Fargo. She failed to include the letter dated XXXX XXXX. XXXX and another dated XXXX XXXX,, XXXX, the letters included in HER response dated XXXX XXXX and XXXX XXXX, XXXX were not received by me, and looks like they were computer generated letters. She also did not answer my complaint about XXXX XXXX XXXX foreclosing my property in violations of NOTICE TO MITIATION CONFERENCE PURSUEING RHODE ISLAND GENERAL LAWS & XXXX, which states the NOTICE must be mailed no later than 60 days of the sale Date. Enclosed is a copy of Chapter XXXX Section XXXX XXXX XXXX XXXX ( RI ). First notice was sent on XXXX XXXX and XXXX Notice on XXXX XXXX. I am also attaching all the correspondence and the monthly financial worksheet reflecting my monthly income and expenses ; the modification that was awarded on XXXX XXXX, XXXX was a standard modification and by HAMP guidelines if the first modification fails I should qualify under the HAMP Program, also my circumstances changed as I got divorced on XXXX XXXX and was a loss of income. Once again, I want to thank you very much for your assistance in this matter. I definitely do not want to lose my property and its bad enough my tenant is being harassed by XXXX XXXX XXXX who continues to come to the property attaching letters on all doors. I hope this matter will be resolved in good faith, so the foreclosure can me recinded and I can be approved for loan modification and go on with my life.
Consumer complaint received 2016-01-18
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (WA)

I have not been able to find anyone at the credit reporting agencies whom can assist me. I am seeing " soft '' credit inquiries on my report that I am not authorizing. Companies are doing soft credit checks then sending catalogs out I am not asking for. By sending these catalogs out, it opens the door for someone other than me to use credit in my name. It then becomes burden of proof I did n't request it. There are multiple inquiries that are sister company 's of XXXX wards. 
I do not authorize anyone with out proven written evidence I have authorized a credit check.
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On or around XX/XX/2017 there was an account opened using my information with capital one bank I did not request this card nor did I apply for this card. The balance as of today is {$840.00} and the credit limit was only {$300.00} I have no other derogatory credit accounts on my credit report.I have been disputing this account for XXXX years. Capital One has not acknowledged in any way form or fashion that I am disputing this account because OF identity theft. I have requested multiple times over the years for them to provide me with something pertaining my signature showing I opened and obtained this account and provided my signature. Capital One reported to all three credit girls that this account Belongs to me and has not provided any proof of my signature that I requested to open this account. I provided to all three credit girls a copy of an FTC report as well as a police report requesting to have this account removed from my credit report. The account was removed for about XXXX months and then on the third month I saw that the credit card account was replaced onto my credit report Im not sure if this is legal however I have reached out to them directly I have faxed over information that they requested and provided a copy of the FTC report the police report and a copy of my identification. Despite my efforts to prove myself to be honest by providing what they requested and work with them to let them know that my identity has been stolen. Capital One continued to reply that that this account belongs to me. however according to the law Capital One is required to provide some thing obtaining my signature and proof the account belongs to me. I still have not yet been provided with that information, I have made it very clear to Capital One that I will continue to dispute my claim with all three bureaus until they have completely removed this account from my credit report. Im not sure if it is illegal for them to remove an account from my credit report for XXXX months and then place it back onto my credit report. that is what has happened each time I made a dispute. This account was open and obtained online using all of my credit information. I am a victim of identity theft. I even suggested that the credit bureaus take a look at my other accounts of good standing and never late. This is the only account for a much smaller amount than what my credit limits are with other credit cards. I have no other debts besides this one. I have XXXX other accounts never late and always paid on time this account with capital one is hurting my credit and preventing me from obtaining other credit.
Consumer complaint received 2020-04-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (CA)

Midwest Recovery Systems, LLC. has reported to my credit report of a collections account that has started appearing on it as of today. I have no idea what this debt is, nor received ANY form of notification of this by mail or phone that a " debt '' was due and owing. It just randomly appeared on my XXXX  report without any communication with me whatsoever. Also, this account is already showing as a negative on my account, so this is now impacting me twice. 

Alleged balance : {$650.00} Original Debtor : XXXX XXXX  XXXX  Date Opened : XX/XX/2020 Send the following information : The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. Whether this debt is within the statute of limitations and how that was determined. Details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. I need more details about what you claim I owe so that I can make an informed decision.
Consumer complaint received 2020-09-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc. (OH)

I received a credit report from all 3 bureaus ; XXXX, XXXX  , & XXXX. I noticed there to be 2 collection accounts listed on all 3 credit reports from Choice Recovery , Inc . I sent them a debt validation letter, not once but twice. Choice Recovery, Inc. sent a letter back stating they have verified debt for {$140.00} and {$190.00} and requested for me to sign a Authorization to Release Information. I did not sign this nor will I sign this. That is HIPAA Information. They can not just say a debt is validated by giving the Creditor name and amount due. I demand to see my handwritten signature on a contract stating I am obligated to pay them. Choice Recovery , Inc. has not supplied proof of what constitutes proper debt validation. I have disputed both  accounts with all 3 credit bureaus. XXXX  deleted both accounts from Choice Recovery , Inc. due to the fact that they could not get Choice Recovery , Inc. to properly validate debt. ( Proof is attached ). XXXX  & XXXX started they validated it but will not send me proof even after sending a demand for investigation letter. Both of these accounts from Choice Recovery , Inc. need deleted ASAP. The account numbers listed are : Choice Recovery, Inc Account # : XXXX - {$190.00} and Choice Recovery , Inc. Account # : XXXX {$140.00}. I have attached the letter exchange communications for proof of illegal activity.
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NY)

A few years ago credit acceptance, charged off this account and closed it. They then checked my credit without my knowledge and then started reporting me as having late payments again recently. The account was written off so it should show on my report as such not that I am not making my payments.
Consumer complaint received 2015-09-10
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (AL)

Wells Fargo Home Mortgage is listed on my credit report for all XXXX credit reporting agencies as a Deed In Lieu. The open date for this account is XX/XX/2007. This credit item exceeds the allowed statue of limitation time frame for the state of Alabama and should be removed from all XXXX credit reporting agencies.
Consumer complaint received 2016-11-17
Product: Credit card — 
Issue: Billing statement — 
Company: BARCLAYS BANK DELAWARE (VA)

I feel like my credit card is double-billing me. I pay off a balance several times a week and since they are so slow to post transactions, or post them in posted and temporary transactions at the same time, it is confusing. Then I 'll sign on later that week and see that there are new charges that I think I 've already paid for! I 'd like you to look into their accounting practices.
Consumer complaint received 2016-03-02
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (UT)

I had a loss of XXXX income in early 2015. My bank would not work with me to modify the loan in a way that I could understand. I missed a couple of payments throughout the year. I then had some room renters in the house but they were not paying while I had to pay to live somewhere else. I called my lender to notify them that I was putting the home up for sale and asked for a balance. They told be it was $ XXXX. The home is now under contract with me bringing in an estimated {$400.00} to close. The settlement agent ordered the payoff and it is $ XXXX. I do n't have the additional money to bring to closing and am in a position to be in a breach of contract. I contacted the lender to help and they are sending me a modification packet, which is not what I need. I need a speedy short sale process for an FHA loan so that I do not have a breach of contract with the buyer and realtors.
Consumer complaint received 2016-05-05
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: GOLD KEY CREDIT, INC. (FL)

This is a formal complaint against Gold Key Credit. INC. 
XXXX, XXXX Contact Information : XXXX I obtained my credit from XXXX XXXX on XXXX. I notice a small charge that 's being reported only to XXXX. I called the toll free number & the lady was very rude. The balance being reported is exactly {$14.00} XXXX. I asked why was this small amount being reported she stated it used to be a much bigger bill but my insurance must have paid the amount all but {$14.00}. I asked how to resolve the small balance and she would not answer how to pay the told me I had many more debts on their account which is not true. I 'm looking at my credit report right now and {$14.00} is what is being claimed. I do not owe this debt and want it removed from my credit report.
Consumer complaint received 2016-11-04
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (CA)

We had a XXXX loan with a company called " Greentree '' XX/XX/XXXX. This was sold by XXXX XXXX XXXX. Due to fraud and misrepresentation of this bank, we were forced to request for loan modification. As the result the Greentree froze the account and kept the balance to {$100000.00} Subsequently, on XX/XX/XXXX we sold the property and paid of all the loans in full in a escow account. Now, we have been trying to re-finance our current property and again, a company called, " Ditech Financial LLC '' which is the same company as Greentree fraudulently reporting a {$150000.00} second mortgage to credit agencies. In addition, this company sold the account to another company called " XXXX '' and added another negative item in our credit report.
Consumer complaint received 2017-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (TN)

I had a conventional mortgage until recently. I was serviced by Ocwen Loan Servicing, LLC. I was in the process of selling the property, and there was also a modification in process. The first payment for the modification was due XXXX XXXX 2017 which I paid in a timely manner. The next payment was due XXXX XXXX 2017 which I also paid in a timely manner. When I contacted XXXX, XXXX and XXXX, after selling the property in XXXX 2017, to make sure that Ocwen was no longer reporting the mortgage as having a balance, ( I sold it XXXX XXXX 2017 ), I discovered that Ocwen had reported that two payments in 2017 as being late. This would be impossible. First, as I stated above, the mortgage was in modification status. And, the trial payment for XXXX XXXX 2017, was paid. In addition, I paid XX/XX/XXXX payment, even though I knew I was selling the house in a few days. Thus, there were NO Late payments paid in 2017.
Consumer complaint received 2022-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CO)

On XX/XX/XXXX, I went to court to change my mind for filing XXXX XXXX bankruptcy. I have sent 4 letters to each one of the creditors explaining the bankruptcy was never filed. I sent XXXX XXXX a letter asking for an update on my credit report and asked them to removed the bankruptcy and sent them the same letters. XXXXXXXX XXXX removed the bankruptcy after looking over letter from the court stating no bankruptcy was filed. I am asking for help to remove this bankruptcy off of my Experian credit report. I have called Experian and sent in proof that their showing inaccurate item on my report about the bankruptcy. I'm asking for help to have it removed for I can get on with my life. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-27
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: Experian Information Solutions Inc. (WA)

I have been a victim of identity theft. When I found out I immediately created accounts with all 3 credit bureaus and freezed my credit. The person that stole my identity was able to easily bypass the username and password on Experian.com by simply creating a new account they had everything they needed ss #, birthday, address, etc. They pulled my credit report and with that information tried to hack my other financial accounts. Why does Experian not have two factor identification? I rest my password and email with experian and the person that stole my information again created a new account and email. Is there no way to stop someone from accessing your credit from these credit bureau agencys?
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2017-07-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (TX)

My account balance was discharged in a Chapter XXXX Case # XXXX filed XX/XX/XXXX and converted to a Chapter XXXX XXXX filedXX/XX/XXXX. To date the financial institution has continued to report my account negative to XXXX XXXX. I was granted relief from this debt and I want the account removed from XXXX XXXX immediately.
Consumer complaint received 2017-09-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

X/XX/17 Ace Cash Express said I was approved for a loan which I did apply for a few loans online. They have my bank information etc and when I did a little more research I had an email from a XXXX XXXX from Ace Cash Express. The email was coming from a gmail account not a company account. The phone call seemed odd to me so I called the corporate office and they dont have me on file. I believe I am a victim of a scam. Their phone number is XXXX.
Consumer complaint received 2023-04-15
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: Nelnet, Inc. (MS)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 
-Under 15 USC 1681 section 602 states I have the right to privacy.

-Under 15 USC 1681 section 604 section 2 states a consumer reporting agency can not furnish an account without my written instructions.

-Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2016-10-07
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

My bank ( Wells Fargo ) placed a 7 business day hold on a large check from my real estate broker I have been with for 6 years. The check was from a XXXX XXXX XXXX account. This check should have cleared and funds verified in XXXX3 days max. The check was deposited on a Friday, so the total hold time was 12 calendar days. The regulations for deposit holds needs to be modified/improved to keep up with the new ACH changes. My money was held hostage by my Wells Fargo - there can be only XXXX reason can be that they could use that money.