davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-05
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 have reached out to XXXX and XXXX XXXX  several times that I live in CA and someone established a mortgage in XXXX. After much research, it appears XXXX had the mortgage first and then XXXX XXXX had second This is not my debt please remove it from my credit report. Or provide proof with my wet signature that it is my debt
Consumer complaint received 2022-02-03
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. (MS)

I contacted XXXX, Experian, and XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX about inaccuracies on an account on my credit reports. I received no verification, corrections, or deletion as requested if actions weren't taken. They completely ignored me and blew me off.
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

I contacted XXXX, XXXX, and Equifax on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX about inaccuracies on an account on my credit reports. I received no verification, corrections, or deletion as requested if actions weren't taken. They completely ignored me and blew me off.
Consumer complaint received 2021-01-25
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: ENCORE CAPITAL GROUP INC. (CA)

On XX/XX/2020 I filed a complaint against Midland Funding. I was told in my first complaint to contact XXXX XXXX at ( XXXX ) XXXX ext XXXX. Well I have try several times to call her and get things settle. They do not answer the phone or even call me back. Why am I told to call someone to help me with this matter to only get ignored. I dont understand when someone is trying to settles their debt and cant get any help.
Consumer complaint received 2018-12-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: JPMORGAN CHASE & CO. (TX)

I financed a car through Chase Auto. I was making my payments on time every month for two years. I had a financial hardship in XX/XX/2018 due to a loss of employment. Chase would not work with me to lower my payments. They repossessed my vehicle. My last payment was in XX/XX/2018. However Chase is reporting it as open and a late payment every month after they have charged it off. Now Chase just added XXXX to the balance.
Consumer complaint received 2020-10-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with overdraft — Overdraft charges
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I keep getting fraudalent transactions on my account and when I try to dispute the transaction I'm getting put on hold for hours then the call will drop out of no where having to start the whole process over again.i really spent from XXXX to XXXX XXXX  yesterday and never talked to anyone on the phone to help me with my dispute
Consumer complaint received 2017-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (CA)

O n   XXXX   XXXX   XXXX   this co mpany received a letter requesting validation where I asked themn either provide me with proof of my liability in the form of a contractual agreement that I agreed to for the debt or delete the item from the credit report. They ignored this request and at the same time verified the account with the credit bureaus as a valid account and continued to report this frivolous account on my credit report. This is a violation of both the FCRA and FDCPA S ec 809,
Consumer complaint received 2015-04-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (PA)

I am a student loan co-signer. I have made on-time payments to XXXX ( XXXX XXXX XXXX ) for my son 's defaulted XXXX XXXX/Navient private student loan since 2011 when I became aware of the default status. 
I requested that my credit report reflect that my debt is in collections and being paid monthly. XXXX XXXX refused to update my credit report and reports it as a Charge off with {$0.00} payment every month. This negatively impacts my ability to obtain basic credit worthiness for example for renting an apartment. How can I get XXXX XXXX or the collection agency to report accurate information on my credit report?
Consumer complaint received 2022-02-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Lendmark Financial Services (VA)

Landmark- I called to make a payment and XXXX XXXX advised me that I was prequalified for an additional loan amount of {$5100.00}. I advised her that I had a loan that was place in collections and paid. She advised me if it came up in the process I could send her proof the account was paid. I advised her that it had affected my credit score. She then told me as long as my credit was at a score of at least 500 I would be approved. I called back to review the information and told I was denied because of a late payment which was from their company for a payment while my account was deferred. She also stated my credit was below the minimum required which currently is a XXXX. I advised her that this contradicted what she originally shared with me and that it was deceptive and predatory. She had no other information to offer me.
Consumer complaint received 2020-10-16
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. (MD)

I submitted a complaint on this website in XXXX. I received correspondence with how I would like for this to be resolved. I received my points back but the late payment still applies on my report. This is the complaint. XXXX XXXX stated that on XX/XX/XXXX. XXXX that did a auto pay for my car loan and the bank rejected it. I provided documentation that money was in my account and that the bank never rejected any money nor was a freeze on my card. The bank rep stated that XXXX most likely made an error because they would not have rejected my payment. Ive had this loan since XXXX and have not been late. This company has no compassionate even during a pandemic. I owe almost XXXX on this car loan. I need for them to to take responsibility to their error. I thought it was paid because all of my auto pays automatically are paid with no issue. XXXX  notified me at the end of XXXX to tell me that payment was not received. I immediately paid worth the same card. I need for this late payment to be removed. Im trying to avoid lawyer and court fees but thats the next step.
Consumer complaint received 2020-09-10
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. (OH)

I have sent several disputes to the credit bureaus in regards to inaccurate reporting from a collection agency. The bureaus keep verifying this information and refuse to do a thorough investigation. I have filed two complaints on portfolio recovery about this issue as well. Nobody is trying to investigate this companys inaccurate reporting. The bureaus are failing to do their job as well. I have sent in proof they are lying about the amount owed but nobody is doing their job. Someone needs to thoroughly investigate my request. They refuse to send me proper validation of this alleged debt after several attempts. If my credit report is reporting one amount and statements they send me say another how is that accurate? The fcra says they must report complete and accurate information in which they are not. The bureaus are not doing their job and neither are the collection agencies.
Consumer complaint received 2016-02-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have been disputing and demanding validation of a debts I do not owe and inaccuracies on my credit report for months now, and TRANSSUION has not only been ambiguous, they have not provided the requested and official documentation required by law, nor have they corrected the information, in reference to the following accounts since last contact. 
XXXX not mine, No proof of debt- Please be advised that this is not a refusal to pay the debt, but a detect sent pursuant to the Fair Debt Collection Practices Act 1 : USC 1692g Sec 809 ( b ) you title that I owe this. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe or gave authorization to. I am demanding proof that I am the exact party to these or gave authorization to, and a prearranged coercion, which is obligatory on me to wage this debt. This is NOT a request for " legalization '' via E or evidence of my mailing address, but a demand for AUTHENTICATION made pursuant to my Precise name Date of Birth Social Security Number accordance with section of the Fair Debt Collection Practices Act. Or I request this be removed with immediate effect. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your endorsement under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is your authorization of law for your gathering of information? What is your authorization of law for your collection of this supposed debt? Please evidence proof of the alleged debt, including specifically the alleged agreement or other instrument bearing my signature or authorization.
Consumer complaint received 2020-09-10
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: Experian Information Solutions Inc. (FL)

There is a XXXX XXXX XXXX Credit Card reporting on my personal credit file and this was not a personal account. This was listed under a business account. The card was issued to XXXX XXXX XXXX   not to ME. The account number showing on the Credit Report is XXXX
Consumer complaint received 2017-10-13
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: JPMORGAN CHASE & CO. (FL)

This debt was for a chase card that my wife had. We fell behind due to medical bills so they sent us to a debt collector. XXXX XXXX XXXX they contacted her at work talked with her boss and demanded to talk with her. They said they wo n't stop calling. When I spoke with them to work out a payment plan. They told me I can pull the money out of my 401k that there is no tax penalty which I know is not true. They also asked why I had to pay my income tax that I can pay them first and pay taxes later with out penalty. I am almost positive a debt collector is not in the postitution to give tax advice or financial advice.
Consumer complaint received 2021-08-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CarMax, Inc. (TX)

I, XXXX XXXX, entered into a consumer credit transaction with Carmax Auto Finance on XX/XX/2016. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is supposed to include insurance, but Carmax Auto Finance made me purchase insurance separately.
Consumer complaint received 2020-09-10
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. (FL)

There is a XXXX XXXX XXXX Credit Card reporting on my personal credit file and this was not a personal account. This was listed under a business account. The card was issued to XXXX XXXX XXXX   not to ME. The account number showing on the Credit Report is XXXX
Consumer complaint received 2022-02-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HILLTOP HOLDINGS, INC (FL)

Been sending XXXX a week since the account first opened and they been applying credit for the last 10 weeks they been keeping my money without applying to the payment or principle not even towards interest. Got a call this morning that i need to pay my mortgage is late 2 month and they advised they received payment but never applied neither sent back to me. After 4 hours on the phone still cant get to accurate numbers and proper help they say they need 16 to 20 days to research
Consumer complaint received 2015-03-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Bank of America, which is my own bank, took my whole XXXX check from my account to go towards a charged off auto loan. This is only my second XXXX check received. They gave me know warning beforehand. I got XXXX certified letter today that states they took the funds and will take more. I ca n't pay my rent, utilities, meds etc. they took the whole amount. I have read that this is not legal. Please help! 
XXXX, Oregon
Consumer complaint received 2022-02-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

XXXX XXXX / XXXX / {$550.00} XXXX XXXX XXXX XXXX / {$1.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the XXXX.
Consumer complaint received 2017-04-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Miller, Stark, Klein and Associates (GA)

I receive calls constantly from this company with a recorded message claiming that complaints against me have been filed in their office. This is evidently an attempt to collect on a zombie debt because all of my current credit is up to date. 

Miller Stark Klein & Associates XXXX XXXX NC XXXX XXXX
Consumer complaint received 2021-05-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (MN)

I am a single XXXX XXXX XXXX XXXX woman and I have been on time with my mortgage payments for almost 5 years. My mortgage is with US Bank. I bought the home on XX/XX/XXXX and had financial debt and filed Chapter XXXX bankruptcy in XXXX. It was finalized in XX/XX/XXXX. I changed jobs in XX/XX/XXXX because my work place was toxic and accepted a XXXX  job with the XXXX of Minnesota in XX/XX/XXXX. I have struggled since that time to continue to make my mortgage payments because the job change resulted in a pretty substantial pay cut. I have reduced my living expenses to the best of my ability and even rented out a room on XXXX before Covid. I recently tried inquiring with US Bank my lender about loan modification due to financial hardship with a goal toward reducing my interest rate and monthly payment given that I am not in default and have equity of more than 20 % in my home. US Bank repeatedly said they had emailed me the application but sent me a link that led to a dead end and said I needed Adobe Reader to download the document. I have XXXX and can prove it. I called repeatedly to talk to someone and asked them to mail me the application and they said they did but they did not. My last call was on Friday XX/XX/XXXX when the woman said that she would have someone named XXXX at US Bank email me by the end of the day. I asked what the email address was so I could look for it, and decided to try to email him myself to ensure it was a good address. Not surprised that it bounced back as invalid and once again US Bank had no intentions of trying to help me. They make more money if they can foreclose and sell it to the highest bidder. But I have rights as a consumer and a homeowner and they are messing with the wrong person because I am not afraid to exercise my rights and file a complaint.
Consumer complaint received 2015-10-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America closes an XXXX years old checking account that has impeccable records, based on " business decision '' without giving any specifics. The closure leads to closures of XXXX credit cards issued by Bank of America. Earned rewards are confiscated, pending rewards are forfeited. XXXX credit cards are in good standing through all their histories. 
Please see attached write up of the complaint.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

XXXX IS ILLEGALLY REPORTING DEBT WITH NO PROOF OF DEBT OR DEBT VALIDATION XXXX XXXX XXXX XXXX XXXX, TX XXXX ACCOUNTS : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease communications and reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 
I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 


Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency. 
IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4800.00}.
Consumer complaint received 2022-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/XXXX, my account received a XXXX deposit in the amount of {$490.00}. The bank Claimed due to the reported fraud the XXXX transaction was returned on XX/XX/XXXX. A couple of issues occurred during the process. 

1. The Bank provides misleading information during the consultation. Recorded in the voicemail, the bank 's agent explained to me the nature of XXXX transactions is like cash. It won't be returned back to the sender without account holder 's permission. Please provide explanation on the misleading information provided by the agent. 

2. The Bank has obligation to investigate the case if there are fraud involved. Also the case has been reported and supported by the police. The transaction is legal and if the bank claimed fraud, it should provide investigation results since it's contradictory with the police report. 

Please explain those points in details : misleading information and contradictory conclusion.