davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-24
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital one Bank application close it before I have option to pay monthly or weekly. If he does not charge me on time this mean he have a problem in him program and they keep asking about with all amount or is going to take the car, and when I call dont give me an option. And they keep sending emails to me. Im gon na take the car anytime. Capital one start a problem and When I call nobody help and they say I dont have no option Account number ( XXXX )
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

I have being trying to get a personal loan since XXXX... XXXX is being denied because an auto loan i have i showing up XXXX on my credit report ( Experian ). I tried calling almost every day since and no one has helped in trying to get issue resolved .I have spoken to XXXX managers and all they say is they will have someone work on it and escalate it higher up and same thing... Experian will take up to 30 days to get issued resolved since i did try to dispute it XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX MI XXXX ..One of the supervisor did tell me they had migrated to a different system and everything was transferred over,,, Seems XXXX shows it last updated back in XXXX and the other had updated every month like it should and of course it is showing XXXX different amounts,, I did sent proof on XXXX where my credit report is showing there account XXXX and I only have XXXX auto loan with them.
Consumer complaint received 2023-01-31
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

This all started back in XXXX. I have sent them over 17 documents in the past months and have sent they 9 more since then. They keep coming back to me with more an more updates. I'm almost done with them. They keep getting high interest from me every month. They will not even help me get my credit report activated again. I have sent them a letter requesting them to put me back on the credit reporting. And they have refused me. They have also said to me that they need clarification over and over again. This should have not taken 9 months to do. I have sent them month after month of Bank Statements. I need your help with this please! Thank you, XXXX XXXX
Consumer complaint received 2019-08-16
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: First Investors Servicing Corporation, Atlanta, GA Branch (NC)

This is not a duplicate complaint about the issue addressed in complaint XXXX, XXXX or XXXX. First Invst SVC pulled my credit without authorization on XX/XX/2018. This was due to XXXX XXXX sending them an application without my consent. I already had preapproved financing from XXXX XXXX. XXXX XXXX was only authorized to complete the XXXX XXXX application. First Invst SVC has not followed the law which under section 604 of the Fair Credit Reporting Act requires them to provide a signed contract to validate the inquiry had permissible purpose. Since First Invst SVC has failed to correct the issue an FTC identity theft report number XXXX was filed listing them and XXXX XXXX as using my information illegally. I demand for the final time before legal action is taken for XXXX XXXX to delete the inquiry they made on my credit report immediately.
Consumer complaint received 2021-12-02
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: Credence Resource Management, LLC (GA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2020-11-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MT)

I have been disputing this collection from day one because I tried working with the company about the balance because I didn't realize the card was stolen. They didn't want to work with me, the next I knew it was collections, This is the is the 3rd or 4th collection company since it went to collections. According to what I see it closed in XXXX, the amount is {$730.00} it is now XXXX which is over the 7 year limit to collect a past debt, plus it has been sold to multiple collection agencies. 
By what I know and have been told a company or a collection agency can't keep selling a debt past 7 or 10 years not sure on which one. I had to quit answering their calls because I got stressed every time they called and most times like always when I've had to deal with these collect companies they don't give you a chance to talk and have always been very rude and mean speaking.
Consumer complaint received 2024-03-24
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

On XX/XX/XXXX, I had a credit card charge ( Bank of America- BOA ) show up on my account for {$1600.00} from XXXX XXXX XXXX . Within 48 hours, I noticed the charge and checked with my husband to make sure he didn't make a charge that large. It is rare for us to spend that much. Neither of us made the charge and we've never purchased anything from that company and we still have no idea how they got my information to make that charge. We are also not having any work done on our house or even contemplating it. I called the bank right away. They cancelled that card and issued another and opened a fraud claim. On XX/XX/XXXX, BOA denied the claim and put the charge back on my account for me to pay. In XXXX, my husband and I both called. We got them to send us the documentation that XXXX XXXX XXXX sent that supposedly verified that I made the purchase ( I did not ), and we had BOA reopen the case for review, because we disagreed with their decision. We received the documentation. It was an invoice with my name on it, but it was invoice # XXXX and it said the pdf was created after the charge. It seems very unlikely that a real invoice would the first one a construction company had ever issued. It also said they had the credit card on file, but we've never done business with this company. On XX/XX/XXXX, BOA denied our claim again.
Consumer complaint received 2019-08-16
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE NO IDEA HOW SOMEONE WAS ABLE TO GET MY INFORMATION TO EVEN DO SUCH A THING ON MY CREDIT. THIS IS CAUSING A GREAT DEED OF STRESS ON MY CREDIT. IT HAS ALSO BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH THE STATE THAT MY CREDIT IS NOW IN. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT. ALSO KEEP IN MIND THAT I HAVE NO KNOWLEDGE OF THE TRANSACTION.
Consumer complaint received 2019-08-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

My lender has not made any attempt to contact or communicate with me regarding the loan modification process. For the last year I’ve  made several attempts to receive a modification review. I have not received any info from the lender via mail or postal. I did receive a letter with a sell date pending and no info on why I was denied a modification. In order help me better afford the property I have rented out 3 of the rooms. This has given me the ability to afford new terms with my mortgage. I would like to be properly reviewed to be able to get receive home owners assistant in order to keep my home.The renters have also filled a complaint against my property due to the property having mold. Due to the foreclosure status I’m not able to file a claim with the insurance to fix the problem. This has cause exposure to mold to my tenants and myself  because the lender will not communicate with me . I would like to be contacted immediately so I can get this matter resolved. Thank You
Consumer complaint received 2019-08-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (OH)

Hi my name is XXXX XXXX, I have collection of $XXXX    from my old apartment, and they send me mail or latter after putting this money to debt collection ,before that I did not get inform ,when ever I got this amount  of bill I did pay in full of $XXXX. Now im just woundring for how long this collection mark stay in my XXXX XXXX. This is my 1st collection ever I really don't have an idea.   Thanks .
Consumer complaint received 2019-08-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I NEED THIS ACCOUNT TO BE REMOVED AS SOON AS POSSIBLE DUE TO THE FACT THAT IT IS REALLY IRRITATING MY CREDIT'S HEALTH AS WELL AS I NEED TO MAKE A BIG PURCHASE SOON. THIS ACCOUNT WAS OPENED IN 2006 IT IS A XXXX XXXX  NEGATIVE ACCOUNT.
Consumer complaint received 2024-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp. (AZ)

1 ) The document attached does not in any way describe who this debt was originally owed to ( XXXX ) that it is my debt other than an electronic signature ( I have multiple BANK ACCOUNTS and email addresses compromised due to identity theft which I signed an affidavit for and sent to this company ) or anything whatsoever about this debt except that it was owed to Affirm, who I fought for 9 months over it before they charged it off. 
This is ironic that they wrote all of this XXXX on a Truth in Lending Disclosure considering it is such a massive violation of TILA. 

2 ) As you can see on the other document, this debt was PAID BACK by XXXX on XX/XX/2023. 5 days before this letter, in which they claim that I took this debt on. Which they have investigated now 9 times, including at the demand of XXXX, and haven't notice that the MONEY IS IN XXXX BANK ACCOUNT WHERE IT CAME FROM. They literally sent this on XXXX letter head. This is the XXXX mafia! 

I've been fighting XXXX who has clearly not been doing any sort of investigation on debts that were charged to my account by an identity thief last year. 

While fighting this, and reporting it several times to you, I was able to assist a couple of the companies in providing XXXX with proof that either there was no sale at all, or that money had been returned to them months and months prior. 

I provided all of this to affirm several times, they claimed to open an investigation, missed the fact that the money was in THEIR account, and continued reporting this as my debt. Until they charged it off and sold it to collections. 

When I say " it '' I actually mean that XXXX broke their OWN terms of service, and opened 6 accounts for me, which a consumer can not even do. They then charged all 6 as if they are separate accounts, all held by me and in default. Now this collection agency has purchased all 6 of them. 

Before they did, I have a subscription to XXXX XXXX, and we sat and called all of the things that I claim are not my debts to verify what is going on, on a 3 way conference call. 
Myself, XXXX XXXX ( restoration specialist ), and the creditors. After sufficiently proving that what I am saying is the truth, XXXX volunteered all of her phone records to be subpeoinad should I need/want to file lawsuits, and opened an identity theft insurance claim. 

I provided all of this to " TrueAccord '' who appear to also have not looked at any of it as they just emailed me that they are ruling against me. Instead of responding with any proof or anything at all to substantiate the fact that this is my debt, in counter to all of the evidence that I have given them that it isnt.
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Lender Inc (MO)

Since XX/XX/2019 Selflender has been continually reporting to XXXX that my closed account is open an negligent. I have spoken with representatives several times since XXXX including XX/XX/XXXXXX/XX/XXXX,XX/XX/19,XX/XX/19,XX/XX/19. They have refused to contact XXXX  to fix their reporting issues.  Yet, I as the consumer has to suffer and have my credit score dropped monthly for incorrect reporting on their end.  I have spoke to XXXX  on XX/XX/XXXX for an hour and they too have informed me of exact details of Selflender incorrectly reporting to XXXX. Selflender is continuing to not return calls or tell me someone will call me in a day and I never receive a call. I'm stressed and have suffered tremendously from this one situation.
Consumer complaint received 2017-12-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

I have a 3rd party person to talk for me. When she try 's to do so the mortgage co. tells her that they have to down load the paper work she has sent them. They told her that they are still doing work from XXXX/XXXX/XXXX she sent the paper work on XXXX/XXXX/XXXX. The last time she spoke to them they said they had the paper work but ca n't talk to her till it is down loaded my sale date is XXXX/XXXX/XXXX by the time they get it down loaded there will not be much time to try to stop the sale of my home. I do n't understand why down loading paper work should take so long with the technology of today it should take a few days and not weeks to get it done.
Consumer complaint received 2019-08-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

On XX/XX/XXXX I sent etters into the three credit companies XXXX, XXXX  and Experian. I requested to have the copies of the original documents or documents used to verify the information that has been placed in my file by XXXX account number XXXX and XXXX XXXX account number XXXX the companies have not given anything documentation as required by law under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I have also made many attempt online and over the phone to get this information and have not been  successful.
Consumer complaint received 2019-08-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I NEED THIS ACCOUNT TO BE REMOVED AS SOON AS POSSIBLE DUE TO THE FACT THAT IT IS REALLY IRRITATING MY CREDIT 'S HEALTH AS WELL AS I NEED TO MAKE A BIG PURCHASE SOON. THIS ACCOUNT WAS OPENED IN 2006 IT IS A XXXX/XXXX XXXX NEGATIVE ACCOUNT.
Consumer complaint received 2024-03-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (VA)

didn't receive notification for the below account. Send me the certified mail showing receipt of any notification. RESURGENT/LVNV FUNDING Account number XXXX. 



I don't stay or live at the addresses you allegedly sent notification to
Consumer complaint received 2021-12-02
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: Conn's, Inc. (TX)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID TEHFT. I SUBMITTED AN INVESTIGATION BUT THEY MADE A MISTAKE. THEY DISPUTED ACCOUNTS I NEVER PUT UNDER DISPUTE. I DISPUTED CONN APPLIANCES OPENED : XX/XX/XXXX AMT. XXXX YOU CAN SEE THAT ON THE FTC REPORT I HAVE ENCLOSED. 
I DID NOT DISPUTE : CONN APPLIANCES OPENEDXXXX AMT. XXXX CONN APPLIANCES OPENED : XX/XX/XXXX AMT. XXXX
Consumer complaint received 2021-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

Jefferson Capital system sent me a letter saying I owe {$520.00} for a platinum MasterCard credit card. They refused to give me any other information from my phone call on XX/XX/21 other then it is a debt from XXXX XXXX. I have never had a credit card from XXXX  XXXX. They immediately offered me a settlement amount of {$260.00}, but I then requested prof of dept. the representative stated that they can not provide me with that information. I then contact XXXX XXXX who let me know that there was an account using my name and SSN was opened several years ago but with a different address. They told me since it was already sent to collections there was nothing they could do.
Consumer complaint received 2019-08-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

We owned a property in 2011 and sold the property in 2011. Almost three years later we did a home modification loan with Wells Fargo home mortgage. During the time of the modification they somehow, without our knowledge, put a lien on the property that we no longer owned. Now the owners are selling the property and cannot do so because there is a lien from Wells Fargo home mortgage when they did that modification. When contacted, they responded to the attorneys and told the attorneys to sue us directly. We are now having to respond to a lawsuit and also Wells Fargo is going to be included in the suit. I am going to the Media soon. We would like to prevent this from happening. I have all documentation and my attorney has all documentation. Wells Fargo sold the loan to XXXX and then XXXX, when contacted about the issue at hand, sold the loan to a XXXX XXXX Company, so it appears as though there's some type of fraud going on here and they will not speak to us and we are the owners of the property and we are paying the mortgage payments and they will not discuss anything with us. They have refused to speak to us time and time again and then their attorney responded by XXXX  to our address, telling the person who now owns the property, and by the way is a very good friend of ours, to sue us. We did not have any knowledge that there were any type of liens on any properties other than the one we reside on and they modified, however they put a lien on that property as well as several properties we no longer own and one we still own and they will not remove the liens. They are telling them to sue us and taking no responsibility for their illegal act so now it may go to the media as well as to the courthouse. I am located in XXXX XXXX Florida XXXX as well as the property we sold
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (WI)

My mobile phone was recently compromised and my phone number was transferred to another device. The hacker tried to apply for a loan or credit card with JPMCB CARD SERVICES. This showed up as a hard inquiry on my credit report. I've since frozen all of my credit.
Consumer complaint received 2021-05-06
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. (NJ)

During the pandemic last year XXXX, I applied for a Forebearance from my mortgage company XXXX XXXX. It was approved and I did not pay XXXX, XXXX and XXXX 's mortgage. I was told this does not affect your credit score. OnXX/XX/XXXX I did a wire transfer to XXXX XXXX XXXX which paid my loan up to date. Somehow, in XXXX it was on my credit report that I was deliquent for XXXX, XXXX and XXXX with my mortgage. I spoke with a XXXX XXXX XXXX at XXXX XXXX in XX/XX/XXXX and she said sge would take care of it. It was a mistake. I did receive a letter saying it was taken care of. It is still to this day on my credit report. I will ask them again, because I just found out today that it is still on my credit report. How do I rectify this? I am ready to build our house and it came up on my report.