davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

On XX/XX/XXXX, I mailed and faxed a dispute letter to Experian, XXXX and XXXX  requesting to dispute negative credit items and inquiries. I never received a physical paper copy of the dispute resolution in the mail. According to the Fair Credit Reporting Act, the credit bureaus are required to respond to claims within 30 days and inform me of the results of it's investigation within five business days or they have to automatically delete every item that I disputed. I waited for 45 days and then mailed and faxed all 3 credit bureaus a NEW dispute letter on XX/XX/XXXX, requesting a copy of the investigation results from XX/XX/XXXX. I also requested that they send me proof of how they verified the items and if not provided within 15 days, that they needed to delete every item and inquiry that was disputed. Again, I never received a response in the mail from either credit bureau. Under the Fair Credit Reporting Act, it is a violation for credit reporting agencies to report inaccurate information about anyone, mixing up one 's personal information with someone else 's because of similarities or same names, social security numbers, addresses, etc. Agencies who fail to follow guidelines for handling disputes will be prosecuted in a court of law. According to FCRA, If you find an unauthorized or inaccurate hard inquiry, you can file a dispute letter and request that the bureau remove it from your report. The consumer credit bureaus must investigate dispute requests. If the furnisher corrects your information after your dispute, it must notify all of the credit reporting companies it sent the inaccurate information to, so they can update their reports with the correct information. No proof of investigation results have been received from any of the 3 credit bureaus. In the event that the credit bureaus attempt to state that they never received the said documents in the mail or via fax, I also included and attached them in previous CFPB complaints that were filed against these XXXX credit bureaus. The CFPB complaint numbers are as follows : XXXX XXXX, XXXX Experian, XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX Experian, XXXX XXXX, XXXX Experian, XXXX XXXX, XXXX Experian, XXXX XXXX, XXXX XXXX, XXXX Experian, XXXX XXXX. I am demanding that each credit bureau remove, delete, suppress and expunge each negative item, inquiry, incorrect address, name, phone number, employer, public record that I have ever disputed and restrict them from being added back to my report in the future. I am requesting that updated reports reflecting these changes are mailed to me within 15 days of today 's date or I will have my attorney file charges in court. Thank you
Consumer complaint received 2020-09-02
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. (NC)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below are not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 


US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX   XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX, I mailed and faxed a dispute letter to XXXX, XXXX  and Transunion requesting to dispute negative credit items and inquiries. I never received a physical paper copy of the dispute resolution in the mail. According to the Fair Credit Reporting Act, the credit bureaus are required to respond to claims within 30 days and inform me of the results of it's investigation within five business days or they have to automatically delete every item that I disputed. I waited for 45 days and then mailed and faxed all 3 credit bureaus a NEW dispute letter on XX/XX/XXXX, requesting a copy of the investigation results from XX/XX/XXXX. I also requested that they send me proof of how they verified the items and if not provided within 15 days, that they needed to delete every item and inquiry that was disputed. Again, I never received a response in the mail from either credit bureau. Under the Fair Credit Reporting Act, it is a violation for credit reporting agencies to report inaccurate information about anyone, mixing up one 's personal information with someone else 's because of similarities or same names, social security numbers, addresses, etc. Agencies who fail to follow guidelines for handling disputes will be prosecuted in a court of law. According to FCRA, If you find an unauthorized or inaccurate hard inquiry, you can file a dispute letter and request that the bureau remove it from your report. The consumer credit bureaus must investigate dispute requests. If the furnisher corrects your information after your dispute, it must notify all of the credit reporting companies it sent the inaccurate information to, so they can update their reports with the correct information. No proof of investigation results have been received from any of the 3 credit bureaus. In the event that the credit bureaus attempt to state that they never received the said documents in the mail or via fax, I also included and attached them in previous CFPB complaints that were filed against these XXXX credit bureaus. The CFPB complaint numbers are as follows : XXXX XXXX, XXXX XXXX, XXXX Transunion. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Transunion, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Transuion, XXXX XXXX, XXXX XXXX, XXXX Transunion. I am demanding that each credit bureau remove, delete, suppress and expunge each negative item, inquiry, incorrect address, name, phone number, employer, public record that I have ever disputed and restrict them from being added back to my report in the future. I am requesting that updated reports reflecting these changes are mailed to me within 15 days of today 's date or I will have my attorney file charges in court. Thank you
Consumer complaint received 2020-10-14
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I HAVE A BANK OF AMERICA CARD THROUGH UNEMPLOYMENT BECAUSE OF FRAUD ISSUES MY ACCOUNT WAS FROZEN NOW UN FROZEN BUT THEY MADE MY ACCOUNT NEGATIVE OF FRAUD CHARGES OF XXXX AFTER THEY SENT A LETTER STATING THE ISSUE WAS CLOSED AND INVESTIGATION FOUND THE CARD HAD FRADULENT CHARGES AND WHEN THEY FROZE MY ACCOUNT THERE WAS TWO PAYMENT OF XXXX TO BE DEPOSITED AND THEY WERE RETURNED I CALL THEY BLAME EDD EDD SAYS ITS BANK OF AMERICA BUT IM OUT XXXX AND NEED MONEY FOR BILLS BANK OF AMERICA I WAS ON HOLD FOR 3 HOURS THEN IT SAYS TO BUSY TO TAKE YOUR CALL AND HANGS UP
Consumer complaint received 2020-10-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (AL)

Hi my name is XXXX XXXX and I am complaining on Vanderbilt Mortgage.. I am under bankruptcy.. I have a insurance claim that was filed under my Insurance. They are giving me problems with issuing out the money to get the home fixed.. I have took out money out my account to get home fixed because they have been prolonging with sending money to fix and pay when the job is finished.. when I call them they dont seem to care but they are holding on to insurance money that I pay every month for my home to be protected and this is by far the worst experience that Ive dealt with.. because I love my home and theyve waited 2 months for my home to be fixed after my insurance company did their job to make sure that my home gets fixed.. Ive sent everything they always ask me to send and I give them days to process that and when I call back they come up with something else for me to send in.. & again this has been going on for 2 months.. Ive had other damages in between this time because of storms and rainy days coming through.. This is the worst finance company ever ... I feel as if they are defrauding my insurance..
Consumer complaint received 2020-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hey I noticed a bunch of hard inquires on my credit report that is an accurate i have send over 2 pictures of them so you guys can see. I got a total of 8 hard pulls 4 from transunion and 4 from XXXX i have sent the you the pictures below they are all inaccurate. I would like them all removed from both companies listed above, XXXX and any other credit reporting service. If you have any questions please call me. I did apply for any of these things or deal with these companies. I just want to fix up my credit so it is accurate thank you
Consumer complaint received 2020-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Consumer complaint received 2020-10-14
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (FL)

This all starts out with Santander Consumer USA and their Class Action Settlement for Predatory Lending with Multiple States earlier this year, XXXX. Within this settlement, it states that Santander agreed to relieve loans and help repair the credit of individuals affected by their predatory lending practices. This was for auto loans placed between XX/XX/XXXX through XX/XX/XXXX. 

On XX/XX/XXXX the debt was sold to XXXX XXXX XXXX. In any normal situation, this wouldn't be a problem. But because of the terms of the Predatory Lending Settlement, this debt should have never been sold or transferred to any collection agency, or debt buyer. This is in direct violation of the terms of the settlement which is to " help repair the credit of individuals affected by their predatory lending practices. '' Now, I contacted XXXX XXXX XXXX by mail to dispute the collection and included a copy of the CFPB complaint against Santander, as well as, a copy of the Multi State Class Action Settlement against Santander and explained why they should cease all collection efforts and delete my file because this collection violates the terms of the Settlement. The letter was mailed XX/XX/XXXX. 

I also spoke with someone from XXXX XXXX XXXX over the phone a few days after the letter was mailed and informed them of the letter as well. Santander themselves also instructed XXXX XXXX XXXX to cease all collection efforts after they received my complaint from CFPB. 

I received a notification on XX/XX/XXXX that XXXX XXXX XXXX has reported a collection of {$12000.00} to the credit agencies!! 

Now, for me to dispute this collection and Santander instructing them to cease all collection efforts and activities, then to still within a couple of weeks report this account to the credit agencies is a total violation of everything I mentioned in this complaint. To ignore my dispute and Santander 's request is outright wrong!! Not to mention, this account should have never been sold to XXXX XXXX XXXX in the first place!!
Consumer complaint received 2020-09-02
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: Sequium Asset Solutions, LLC (CA)

Is it your policy to LIE to consumers in order to get them to pay you? 
There are laws to protect consumers like me I guess I will remind you of them now. 

FDCI SUB SECTION 807 STATES.

A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : FDCI SUB SECTION 808 STATES A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : I should not have to remind of you of this since you are debt collector If you choice to ignore me again I will contact my lawyer and take action i have no problem suing you over this!
Consumer complaint received 2021-08-20
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Flagstar Bank, N.A. (CO)

My mortgage was sold by XXXX XXXX  to Flagstar Bank. The transfer date was XX/XX/2021. However Flagstar initiated collection activities on XX/XX/2021. Subsequently I paid my XXXX payment on XX/XX/2021 to Flagstar Bank. 

I was then contacted by XXXX XXXX  XXXX that my XXXX payment was late after payment had been tendered to Flagstar. 

XXXX XXXX
Consumer complaint received 2020-10-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Financial Services, Inc. (TN)

XXXX XXXX XXXX did not treat me. I went to their ER for XXXX XXXX XXXX and XXXX. I thought I was having a XXXX. They never touched me, they did no XXXX, no XXXX XXXXXXXX, No XXXX. I was not treated and I did not stay overnight. I was not hospitalized. I did not sign any paperwork because I was not treated. They are trying to get paid for no treatment.
Consumer complaint received 2020-10-14
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. (TX)

I have reached out to XXXX XXXX ( XXXX ) representatives for 1 year and 6 months with no response and no resolution to unfair credit reporting on my account. Despite several successful disputes with credit bureaus, XXXX XXXX continues to re-report either an XX/XX/XXXX or XX/XX/XXXX late payment on my credit reports. This account was never late in XXXX nor XXXX of XXXX. Payments were made on the XXXX of every month via ACH deposit. To report XXXX and/or XXXX payments as 30 days late is false. Payments were automatic on the XXXX  of every month. The archived statements on this account reflect ACH monies processed and exchanged between XXXX  and my bank. 

Furthermore, if the amount sent was short of an escrow adjustment it was never communicated to ( me ) the secondary account holder. I did not receive any notices, bills, invoices, or calls regarding any adjustments as I am not the primary account holder. It is my understanding that XXXX XXXX  never maintained accurate contact information for me as the secondary account holder during the life of this loan. This is crucial because I relinquished contact with the primary account holder in XX/XX/XXXX due to a court appointed Protective Restraining Order issued by a XXXX County Judge in response to a XXXX XXXX  Charge. This No Contact order was in place for my safety and I requested XXXX  to adjust my separate information at the time. Communications, if any, made to the primary account holder were not made to me. I have supplied the confidential court documents to XXXX XXXX customer service email and to the RESPA Written Request Department and have received NO response. My numerous attempts to discuss and resolve this issue have been ignored. I am pleading for assistance, fair credit reporting, consumer protection, and compassion. I am the victim of XXXX  XXXX and a protective restraining order was in place against the primary account holder during this time to protect me from further XXXX and XXXX. I am asking for XXXX XXXX to have the compassion to permanently adjust the 30 Day late marks they continue to re-report on my personal credit reports and reflect them as current OR relieve me from their continued reporting all together. Since this account is classified as a mortgage account these derogatory marks are negatively impacting my chances at applying for safe housing, mortgage loans, and refinancing, for the next 7 years. I have mailed all the documentation to support my claim along with my contact information several times to XXXX, I can supply again if asked, and I would greatly appreciate the opportunity to resolve this issue. Please contact ME, as I am not in contact with the primary account holder.
Consumer complaint received 2020-09-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc. (MD)

XXXX XXXX REC MGT SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX  within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Consumer complaint received 2020-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Merchants and Professional Bureau, Inc. (TX)

XXXX XXXX XXXX XXXX and Merchant and Professionals collection agency are in violation of HIPPA violations. XXXX has shared details about my procedure and history with Merchant and professionals. Not just the Cost of services or date of procedure, but an in detail of procedure and why i had a procedure done. This is a blatant disregard of the HIPPA laws protecting me from this. In addition to this Merchant and Professionals has continued to harass me over this debt  with threaten phone calls and pretending to be attorneys to sue me. That is false representation. I demand that Merchant and professionals delete their information from my credit report ASAP due to HIPPA violation laws, if this is not done within 30 days from this complaint i will be forced to take further action which XXXXay cause monetary damages to XXXX XXXX and Merchant and professionals.
Consumer complaint received 2020-10-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Bureau of America Ltd. (MO)

I have tried on numerous occassions to get Collection Bureau of America to remove the collection item that it has placed on my credit report with XXXX. I paid the balance in full in XXXX of 2019. They have since added the item as a collection account on my XXXX report and refuse to remove the item after they stated they would get it removed. In addition, I have written a total of 3 letters to the XXXX and have received no results as they are stating to me that this company has verified it as being valid. Please, pleasse, please help me get this removed as it has been and is still being detrimental to my credit.