davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-18
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. (TX)

I've been working and seriously monitoring my credit now for a few months. My first letters to all the bureaus were sent out back in XX/XX/XXXX. Anyways this last time I sent out letters to Experian and XXXX, I received no responses back. I've even sent copies of non-complaint proof on the collection agencies behalf. This was on XX/XX/XXXX sent via certified mail with tracking. The issues of concern are : XXXX XXXX -Reported under several duplicate accounts. Theyve yet to validate theyre claims that this account does indeed belong to me. Also, this is an attempt to collect under another company that was removed a few months back. Ive sent them letters also and theyve yet to respond. 

XXXX XXXX -They failed to provide accurate validation of debt. I have yet to receive anything. Please provide accurate valid proof or DELETE for improper reporting. 

XXXX XXXX XXXX - No validation established. Deleted by other credit bureaus. Please remove inaccurate account from my credit profile. 

XXXX XXXX XXXX XXXX -This account is reporting inaccurately. Please correct or delete for inaccurate reporting. 

XXXX  addressed some concerns but XXXX and Experian has ignored me. I have rights as a consumer and refuse to be ignored.
Consumer complaint received 2021-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (NC)

I have an escrow account that is used to pay my mortgage insurance. I closed in XX/XX/2020 and my mortgage insurance has never been paid by my mortgage company ( AmeriSave ). I contacted loan services and was unable to reach a live person so I left a message. Loan services contacted me back and left a message saying to contact the title company. I contacted the title company who directed me back to AmeriSave and provided documentation showing that AmeriSave needed to pay my mortgage insurance. My loan officer at AmeriSave told me he could not help me and that I needed to talk to loan services. I attempted to contact loan services on three different days and have not heard back. I contacted my insurance company and let them know the situation. My insurance company informed me that they have never received payment from AmeriSave and that if one more payment was missed there would be an interruption in service.
Consumer complaint received 2020-07-14
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. (RI)

XXXX  XXXX is continuing to report a fraudulent account to my Experian credit report. I am a victim of ID theft and have sent my ID docs, ftc affidavit, id theft report and all required information to both them and Experian along with my 605b FCRA request to block this fraudulent information from my report. ( XXXX   and XXXX  have complied already ). 

XXXX  XXXX is claiming they can not contact me which is a lie because they have all my information and also there should be no reason to contact me if they were in accordance with the FCRA.
Consumer complaint received 2020-06-26
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: EQUIFAX, INC. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX   XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXXXXXX 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 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Works & Lentz of Tulsa, Inc. (AZ)

Please be advised I have requested validation { not verification } of an item reported to you by XXXX XXXX XXXX. I have received a response that does not indicate or prove : I had this service, What services I am being charged for, or What the cost of each service I am being charged for. Furthermore, XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2015-07-26
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have XXXX carloans with Capital one auto. At the time I obtained the loans i was financially able to pay event though the payments were extreamly high. XXXX loan is {$600.00} and the other is {$730.00}. I signed a form promising that if my situation changed that i was to conatct the lender. I have made many attempts to try and lower my payments becuase the loans payments are now a financial burden. I was told that because i have poor credit i was not able to refinance and had to stay with the loan terms provided. I called and even offered to return both vehicles because i was not able to pay and i was informed that i could not return the vehicels. The remedy i am seeking is for Capital one to work with me and reducing my payments so that i am able to afford to pay them on time and not be behind. I also would like for them to forgive the late payments in order fro us to be able to start fresh. we need these vehicles to be able to go to work and pay our financial obligations but now its become very difficult and causing us to be behind on other financial obilgations.
Consumer complaint received 2016-05-05
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

XX/XX/XXXX, I was solicited by Capital One to consent to a pre-approved credit card, which was advertised as having " No hidden fees '' on the promotional mailer, and in television commercials running at the time. On XX/XX/XXXX I paid my balance on time and in full ; on XX/XX/XXXX I was charged interest in the amount of {$110.00}, which was interest from the time of the prior statement cycle to the time my payment posted ( again, on time ). This card has no " grace period, '' which is deceitful, and relatively unusual, if my other cards are any indication.
Consumer complaint received 2018-06-11
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY (FL)

In XX/XX/XXXX I was deemed XXXX XXXX and was no longer able to work. I held various positions with XXXX XXXX XXXX and I receive a small pension. I applied for Social Security, denied and in the process of appealing the decision. 

As a result, my income has been reduced by almost 65 % and I am working with creditors to make arrangements until my social security is approved and I receive what will be a significant " back-pay '' that will enable me to get caught up with my debt. I am having an issue with one creditor in particular, Wells Fargo Dealer Services, who holds the loan note on my car. I have fallen behind with them but have tried to send as much as a I can whenever I can. I have called several time because they never seem to update my correct contact information or have acknowledged that my wife has power of attorney over my affairs ( I have sent them documents confirming my XXXX and the power of attorney ). 

I was finally able to speak with a live person about two hours ago at XXXX. I explained my situation and she stated that she would " notate the account ''. She also told me that my vehicle can be repossessed at any time unless I pay approximately {$600.00} immediately. I told her that I could not do that however starting in the beginning of XX/XX/XXXX, I can resume my normal payment schedule and any late fees ( which I understand are unavoidable ). She said she had no record of any XXXX, power of attorney, and that if I didn't pay the {$600.00} in 8 days that the loan would be " charged off '' and I would probably never be able to get the car back. 

I have notified the XXXX Attorney General 's office who in turn referred me to this office. All that I am asking for is the following : In addition to not taking the car or charging it off in 8 days : 1. Let me resume my normal payments plus late fees starting XX/XX/XXXX when I get my next pension check. 
2. PLEASE communicate with my wife at my REAL phone number ( I will list this later as it says not to include personal information ), not the number they had on record which was false. I am on very powerful medication for XXXX and XXXX issues and I do not have the best memory. 
3. Please send me or my wife actual documents that outline what late fees we owe and that we have reached an agreement to resume a regular schedule of full payments as we originally agreed upon. We do not feel comfortable giving out routing numbers and bank account numbers over the phone. 

PLEASE NOTE : I reside with my son, as he is in a better position to care for me than my wife is with regard to reminding me about my medication and other assistance. My wife is a XXXX   XXXX XXXX patient who must remain in XXXX XXXX State more than I do because her medical team is located there ( XXXX XXXX XXXX XXXX Hospital ).
Consumer complaint received 2021-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MI)

I got a CC from CitiBank in XXXX of this year. I tried setting up a couple payments before I even had a due date, and because of that they closed my entire account. Made no sense. And it's now effecting my credit.
Consumer complaint received 2020-06-26
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. (CA)

I applied for a XXXX credit card today XX/XX/20 and I was not approved because apparently there are several accounts in negative standing which are negatively impacting my credit. I looked through each account and none of them belong to me. I did not open any of the accounts listed on this report and I did not allow anyone to open these accounts in my name. I don't know who is responsible for these accounts or who could have opened them with my information since I have never allowed anyone to open any account or loan in my name. I did not benefit anything such as money, goods, services or any other benefit from these accounts nor did I ever make any payments towards them. I am not affiliated to any of these companies in any way and I have never given them access to view my credit file. I have filed a police report regarding all of these unauthorized accounts.
Consumer complaint received 2020-07-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I receive 3 notifications yesterday in the evening that a dispute was resolved with Experian. I never placed a dispute. My credit score has been in the upper 700 's. When I pulled up my credit monitoring is showed a dispute # XXXX, which again, I never placed. It also would not the results, it indicated I need to contact the Dispute Department. After literally 7 people, 2 rude, disconnected and transferred numerous and put on hold and an automated voicemail picks and states they are closed. I called this morning and spoke XXXX, XXXX, XXXX and lastly XXXX ( extremely rude ). All could not help me, no reason, just that they could not provide any information pertain to this, I asked what do I do, no response but asked if there was anything they can assist with. Yes, I want to know why my credit dropped 29 points in an hour with no reason. No one can provide an answer. 
I have XXXX XXXX XXXX, spent over 3 years rectifying my credit My score has never been below 700 until now, with no reason or explanation. 

I can't get this resolved. It won't show me on my report and no one at Experian can provide assistance or is willing to help me. NOTHING has change on my Behalf. I would d like to place a lawsuit for deformation of character, getting so upset, my XXXX XXXX skyrocketed..
Consumer complaint received 2016-12-09
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I initiated voluntary repossession on XXXX vehicle loans with USAA. On Friday, XXXX XXXX I received my first notice that the sales had been conducted. The notices included the balance of the loans not paid by the sales. The notices ( XXXX notice for each vehicle ) told me to contact USAA by XXXX XXXX and XXXX to setup payment plans. I called on XXXX XXXX to do this. Again on XXXX XXXX, XXXX, XXXX and XXXX. However, USAA had already referred my account to collections! I 'm being contacted by phone and mail by their collection company, XXXX XXXX as of Friday, XXXX XXXX! 
I have made every effort to cooperate with USAA throughout the voluntary repossession process and just want to set up my payment plans. Thank you.
Consumer complaint received 2021-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OH)

I am working to correct all of the inaccurate information on my credit report due to irresponsible reporting and fraudulent bankruptcy attorney ( Attorney XXXX XXXX ) ( who is involved with and have bankruptcy debt buyers only wanting chapter XXXX and XXXX debt ) listed in my bankruptcy. And have my entire credit report completely ruined. I continue to find accounts that should not be on my report. 

I will attach an account that has been re-aged and not at all showing, reporting or listed. Please have this account completely and permanently removed/deleted. Not hidden to be available for other programs to secretly report. I want this permanently removed. 

It ; s been OVER 7 years and has no business listed.
Consumer complaint received 2020-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NC)

In XX/XX/XXXX, I received a notice that my city property taxes for XXXX had not been paid. Since then I have contacted the mortgage company twice monthly to get this resolved. I have been told that my concern was in the research dept, I spoke to a representative in the delinquent tax department, XXXX, and she confirmed the taxes had not been paid. She requested I forward an up-to-date statement through their website of what was now owed to include all late charges and penalties. It was confirmed through a a different rep ( when I called again on a later date ) that they did in fact receive it. I have been told that the check is being processed ( that was a month ago ), I again called and the rep was no help. I am in the process of selling my home, the XXXX taxes are due next month, XXXX, may name has been put in the paper for delinquent taxes and I need this to be resolved ASAP.
Consumer complaint received 2017-12-04
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: AMERICAN EXPRESS COMPANY (TX)

I received another inquiry on my credit report that was not authorized. I am a victim of identity theft. I have a police report number for a report filed with the XXXX Police Department which is : XXXX This inquiry was not authorized by me. 

I have attached letters from other creditors showing their investigation results.
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: ENCORE CAPITAL GROUP INC. (WA)

As of today, XXXX XXXX, 2021, another batch of ROBO calls have been coming in to our phone. This has been going on for weeks. 

The answering machine leaves our message and the caller from ( XXXX ) XXXX hangs-up without leaving a message. 

This harassment has to stop - NOW
Consumer complaint received 2018-06-11
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. (IL)

I first found this bill listed on my credit in XX/XX/XXXX by the company XXXX. I mailed a request for debt validation the same month, which was returned to me because the company refused delivery. I mailed another request for validation in XX/XX/XXXX and received a letter from XXXX with an attached final bill from XXXX from the months of XX/XX/XXXX through XX/XX/XXXX. I contacted XXXX in XX/XX/XXXX and filed a fraud complaint because I had no knowledge that the account was opened in my name and was XXXX from XX/XX/XXXX through XX/XX/XXXX. I received no response from XXXX, however the debt was removed from my credit report from all three major reporting agencies shortly after. 

On XX/XX/XXXX the same debt reappeared on my TransUnion report, but the company reporting it is XXXX. I sent a request for validation in XX/XX/XXXX and received the same invoice that XXXX sent. I made a complaint to CFBP last week that XXXX failed to validate the debt with any contract that included my signature or any other information that I requested. XXXX responded to the complaint with the same letter that was mailed to me that included the same invoice.
Consumer complaint received 2019-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

One XX/XX/19 XXXX XXXX sold my loan to XXXX XXXX XXXX. They no longer own the debt, or have the legal right to collect on it or report ownership of it to the credit bureaus. I disputed ownership of the account with XXXX and they certified on XXXX that they owned the account, the account was past due and that my claim that they didnt own the debt was false.
Consumer complaint received 2015-04-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I XXXX XXXX DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS INCARCERATED AND I DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS INCARCERATED AND BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF DETENTION AND INCARCERATION I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT. 
BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF DETENTION AND INCARCERATION I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.
Consumer complaint received 2017-03-24
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ad Astra Recovery Services Inc (CA)

My credit report has a derogatory status per Ad Astra Recovery Service claiming I have a debt that is owed. I have reached out to Ad Astra to provide me verification of the amount claiming to be outstanding and have not received a reply within 30 days. I finally decided to contact Ad Astra once again. Spoke with XXXX. She told me that every time I send a dispute, it re-opens the file and the credit bureaus invalidates the update they send to them and reopens a new one. She said I have to give it full 30 days to be completely removed from all reporting agencies and has yet to be removed 6 months later.
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

The following incorrect, previously removed, address information has reappeared on Report # XXXX dated XX/XX/21 : Incorrect Addresses : XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX CT, XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX Ct, XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Correct Address : XXXX XXXX XXXX, XXXX, TX XXXX
Consumer complaint received 2020-07-14
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (AZ)

During the last week of XX/XX/2020 I received a promotional mailer from Citibank offering me up to XXXX bonus miles if I opened a savings account with a minimum of {$10000.00}. The $ XXXX amount would entitle me to XXXX bonus miles if I deposited it within 30 days of opening the account and left it on deposit for 60 days. I deposited $ XXXX on XX/XX/2020 and added {$3700.00} on XX/XX/XXXX. I expected the bonus miles by no later than XX/XX/XXXX but did not receive them. I called on XX/XX/XXXX and they opened an escalation file on my claim, I received a letter from them on XX/XX/XXXX stating that the requirements for the bonus had been satisfied. As of XX/XX/XXXX I had not received the miles so I called again, was on hold for over 30 minutes so I hung up tried again on XX/XX/XXXX. Agent I spoke with said the miles should have been awarded and she thought they would be on XX/XX/XXXX. 

Tried to chat on line 3 times yesterday but a live agent yesterday but after waiting 5+minutes I disconnected. Chatted today and agent told me to call 1-800 number. As of today, I have not received the bonus miles.
Consumer complaint received 2019-03-08
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

Capital One is reporting my account as owing {$700.00}. I have paid this amount and have attached the electronic receipts from Capital One confirming my payments. It has been two billing cycles and they have not updated my account as paid. This incorrect reporting is harming my credit score and is a Fair Credit Reporting Act violation.