davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I recently tried to get a copy of all XXXX of my credit reports through annualcreditreport.com. I was able to obtain my XXXX and XXXX reports but not Equifax. 
when I contacted them the representative stated they were unable to provide me with a copy of my report because a previous creditor had used my middle name and they needed me to provide them with proof of my identity. I emailed them a copy of my card and my state-issued driver 's license. 

I received a letter from them stating they are still unable to provide a copy of my credit report for one of the following reasons : I have not applied for credit recently, I haven't actively used credit in the past 10years, or I haven't lived in the US or I do not have a SS card All of the above reasons are incorrect. I have provided Equifax with the means to prove all of the above. It is my assertion that they did not exercise due diligence regarding my case.
Consumer complaint received 2021-01-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Adjustment Company Incorporated (GA)

I am submitting a compliant in reference to this company XXXX XXXX  Corporate Guest Relations XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX and to the collection agency Consumer XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO, XXXX, knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE, I demand proof of the purchasing agreement? Valid Authorization/proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I XXXX XXXX XXXX legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously.
Consumer complaint received 2021-01-27
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: Experian Information Solutions Inc. (TX)

XXXX XXXX illegally opens loans, for customer. - and masks the loan as escrow in the beginning of the year as an addition to customers actual mortgage balance, and reports that annual balance to credit reporting agency, while reporting the true mortgage balance to customer.
Consumer complaint received 2022-10-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: EQUIFAX, INC. (NY)

Equifax keeps reporting an XXXX XXXX  open collection on an account that should be closed to exempt funds i want them to remove the consumer statement they wrote and replace it with my new consumer statement : this is a XXXX XXXX XXXX  account which is exempt from debt collection this account is illegally being reported as an open collection under the law they must write my statement as is or delete the trade line
Consumer complaint received 2021-01-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC (CA)

I have a loan under United Wholesale Mortgage, my loan is a XXXX XXXX Loan and I have used 6 months of the 12 months under the Cares Act. The problem I have is I have called to extend my forbearance and they keep telling me they put in the request and I should be good but then nothing happens. I have been calling since XXXX to get everything worked out. The only thing anyone tells me is they will be putting in a request, they don't call anyone else or try actually solving the problem. I was able to get one month added but only after being on the phone for over 20 hours ' worth of phone calls. They gave me one month and I called in again in XXXX to extend for another 6 months per their policy. They keep doing the same thing, no one is handling my account at all. We found last time that the system was just Auto closing my tickets and the if they only put a request in the system it will just keep closing it. I also get a different story each time and told I have to wait. Its been over 30 days and no one is actually trying to help, the normal time as I understand is 7-10 days. They are simply saying they are putting a request in and then nothing happens. Under the Cares act I'm allowed 12 months of forbearance I've used 6 and they do not need to be consecutive. I have spent another 20 hours on the phone since XXXX to try to resolve this and no one is doing more than just submitting a service ticket in their system. There is something wrong with their system, or they are simply not processing these requests. Both are wrong. It seems like they do not have any standard practices in place for these issues and because representatives give different answers and assurances each time, it hard to believe they are actually doing anything or care too. One even told me I have a forbearance when I don't. I have been told they would call me back and they don't, I have been left on endless holds ... It just keeps going on. What no one has done is actually call or talk to anyone in the loss department or anyone that can actually help. They will only put in a service ticket and those service tickets don't go anywhere. 

Overall, it seems to me under the Cares Act that I do qualify for this forbearance and that UWM should be taking care of this as part of their responsibility under the cares act and they are neglecting to do so weather intentionally or out of incompetence. 

I need help trying to get this resolved as all my attempt to try to resolve it with UWM have resulted in the person putting ins request and no one actually taking care of the issue.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Services, Inc. (MI)

I have requested documentation from Credit Service Inc that states how they can lawfully collect and report these alleged accounts. Accounts that I saw on my credit file from Credit karma account portal no ss # or XXXX was needed. 
I have received no correspondence or response regarding this. Instead Credit Service Inc has agreed to delete the accounts off my credit file and return them to their client. As per deletion the debt collector shall pay to myself for the damages pursuant to 15 USC 1681n. Credit Service Inc has inaccurately and unfairly reported on my credit monthly. This is a violation of 15 USC 1681 ( a ) ( 1 ) and ( a ) ( 4 ). Now finding their mistake of not validating this alleged debt before reporting to CRA they are deleting from credit file. Pursuant to 15 USC 1681N Credit Service Inc shall pay {$4000.00} per damage from company to consumer.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

XXXX XXXXXXXX : Date opened is inconsistent. High balance is XXXX with equifax and XXXX with XXXX and XXXX. Payment status with Equifax is current. XXXX is " Paid, was past due XXXX  days. '' XXXX is paid as agreeed. Date of last activity is XX/XX/XXXX with equifax, XX/XX/XXXX with experian, and XX/XX/XXXX with transunion. This account has never been late. UPDATE PAYMENT HISTORY TO NEVER LATE. 

XXXX XXXX XXXX XXXX : Company provided no validation per request on XX/XX/XXXX.. XXXX reports account as collection while transunion reports it as open. XXXX reports account status as " XXXX ''. XXXX lists the original creitor as XXXX XXXX XXXX. XXXX reports " XXXX '' I did not give permissible purpose for this to be on my credit report. Please delete immediately. 

XXXX XXXX XXXX XXXX : Company provided no validation per request on XX/XX/XXXX.. XXXX reports account as collection while transunion reports it as open. XXXX reports account status as " XXXX ''. XXXX lists the original creitor as XXXX XXXX XXXX. XXXX reports " XXXX '' I did not give permissible purpose for this to be on my credit report. Please delete immediately. 

XXXX XXXX XXXX XXXX : Equifax lists account as collection while XXXX reports account as open. Last activity is inconsistent. Equifax reports XX/XX/XXXX and XXXX reports XX/XX/XXXX. Company failed to respond to validation request on XX/XX/XXXX. Please delete immediately. 

XXXX XXXXXXXX : validation was requested on XX/XX/XXXX. I did not receive any correspondence from company. Date of last activity is inconsistent. Equifax and XXXX report XX/XX/XXXX. XXXX reports XX/XX/XXXX. Please delete immediately. 

XXXX XXXX XXXX XXXXXXXX : Account was disputed on XX/XX/XXXX. There was no notice of dispute entered on account. Payment status is inconsistent. Equifax and XXXX reports pays as agreed, but XXXX reports XXXX  days late. Date of last activity is wrong. Equifax reports XX/XX/XXXX. XXXX reports XX/XX/XXXX. XXXX reports XX/XX/XXXX. Please update my payment history to XXXX  status ( Paid as Agreed, Never Late ) XXXX XXXX XXXX : Account was disputed on XX/XX/XXXX. I have no recolection of this account. I asked for verification from them. They did not respond. They also did not enter a notice of dispute. Please delete immediately. 

XXXX XXXX XXXX : this account was disputed on XX/XX/XXXX. The account has never been late. They did not investigate. They did not enter a notice of dispute. Please update my payment history to XXXX  status ( Paid as Agreed, Never Late ) XXXX XXXX XXXX : This was disputed on XX/XX/XXXX. I received no response. This is an unknown charge. Please delte immediately.
Consumer complaint received 2021-09-27
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. (ID)

In XXXX of XXXX I had a no fault head-on collision which generated medical bills and was unable to work for more than a year. According to my counsel the resulting bankruptcy should not be held over seven years. Experian is not removing the bankruptcy or noting that I paid my debts included in the bankruptcy through reaffirmation. This is not to be held over seven years according to my counsel as it is a medical bankruptcy resulting from a no fault collision and is being held for 10 years, not seven. It should be removed immediately as it is timed out, I have challenged and been refused by Experian. Recently I have experienced bank fraud and need to repair the credit reporting to move forward.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. And all listed collection accounts listed above should be removed from my credit profile immediately.

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written consent or instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-01-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Crown Asset Management, LLC, Duluth, GA Branch (OH)

This regards Complaint # XXXX which was filed earlier this year regaring XXXX, Ohio-based law firm XXXX XXXX XXXX. 

Due to the fact that their client, Crown Asset Management actually issued a lower settlement amount ( attached ) AFTER the " bill of sale '' that was presented in Court, I did, in writing, asked to be shown the actual amount the Plaintiff paid for this " debt '' -- I believe that is an actual right/law. They declined to do this during XXXX XXXX attached XXXX. 

At issue : The Plaintiff intentionally and willingly purchased " bad-debt '' in the secondary debt market -- Debt that we all know was written-off and " credit given '' by the loan originator by the IRS. 

So -- if a debt collector decidees to sue consumer for " x number of dollars '', this amount should be made available and should be TRANSPARENT so that we can all see what is going on. How much did Crown Asset Management pay for MY " default ''? -- Because Prosper already received a credit/ '' right-off '' from the IRS XXXX 

Everyone, including the IRS knows what the amount of the " default '' was. This is not the amount that is now owed to an opportunistic party who is attempting to profit from an economically vulnerable consumer. 

As previously stated, given the poor record-keeping and the obscure nature of the secondary debt market, it is not right and should be illegal to sue someone for an amount you did NOT pay ... ... and if you " did '', and this person is still in economic despair, then this amount should be considered for a " right-off '' on their business expenses. To bring additional economic harm to already vulnerable consumers should be make illegal. 

Thank you.
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 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, Original Creditor, XXXX, US DEPT ED Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-12
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)

This is my eight endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} and XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2021-09-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (NJ)

I have been receiving calls and messages about a debt that I do not believe is accurate. I have asked numerous times for proof that the debt is mine or any history regarding the debt. 

I have been met with threats to sue. 

I have called them and spoke about this asking for information regarding the debt and was bullied into just " making a payment now to avoid going to court. '' I just want to make sure that I am not being scammed.
Consumer complaint received 2021-01-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Consumer Portfolio Services, Inc. (CA)

I purchased a car XXXX used XXXX XXXX XXXX and then i struggles between jobs the entire time i had the car and then i would get caught up something else would happen I am a single parent my entire adult life and I struggled with no help from anyone. i got the car with financed for XXXX and made {$14000.00} in payments. In XX/XX/XXXX i lost my job due to stay at home order. I struggled but i found a job less money and i tried to work with them they refused. my mom also died 6 months prior so we had to move and resolve her estate with my family so we moved to a very low income neighborhood and i still have the same job making less XXXX a year. i usually make XXXX a year. We called to surrender the car, XX/XX/XXXX being 60 days past due and the person on the phone said he would give them the location of the vehicle but no guarantee they would pick it up due to pandemic and no one in that department. We waited 2 weeks called back as we were instructed to do. i spoke to supervisor who told that was not true and that I made this up. I advised we wanted surrender the vehicle and she said that i was not able to until the account was 120 days past due. Again i gave the location of the vehicle as we had no room where lived to park it. 2 more weeks passed we spoke to someone is surrender repo department who told us she was not given any info where are car was, and advised again we have called 2 other times. No one was believing me. they finally picked up the card in XX/XX/XXXX. I started received back to back phone calls about the vehicle and i need to pay for it and said we surrendered in several months ago and again non stop emails texts and phones calls and then they sold the vehicle then radio silence for 2 months XX/XX/XXXX they started calling for the deficiency and i explained i don't anything except {$1000.00} and they sold it for {$3700.00} XX/XX/XXXX per the ledger i attached from their website. 
now the balance paid is {$14000.00} so again i only owe XXXX there was nothing wrong with the card when i surrendered it. if there was they caused it. The brakes tires were replaced and service every XXXX without fail. I left that car perfect condition. I want them to settle my dept and also they report to the credit bureaus i owe them {$11000.00} closed derogatory XX/XX/XXXX which was report XX/XX/XXXX as if i never paid them anything. 
They also never sent any proof of repo or sale of the vehichle.
Consumer complaint received 2022-09-22
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. (NY)

I received an email XXXX weeks ago about a checking account that I had opened at XXXX XXXX- except I never opened any accounts there. It seems somebody got a hold of my Social Security number, my birthday, and other vital personal information and were able to make a checking account in my name. I have since closed it with XXXX XXXX XXXX, I froze my account on all three credit reporting agencies, And I even filed a police report for fraud. Then I got XXXX credit cards in the mail in both my name and a mans name, to an old address that I have not lived at for XXXX years. I am afraid that because this man has all my information he will keep trying to do things using my identity. This is basically a case of identity theft, and I do not want somebody to continue to use my information.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX XXXX XXXX  XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from Experian and XXXX. 

Please delete the following accounts : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Balance : {$600.00} XXXX Account Number : XXXX Balance : {$1000.00} XXXX Account Number : XXXX Balance : {$0.00}