davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (TX)

I declare under penalty pf perjury ( under the laws of the UNITED STATES, if executed outside of the UNITED STATES ) that the foregoing is true & correct to the best of my knowledge. Further I certify that I am permitted by FEDERAL & STATE LAW to file this dispute. I also understand that knowing & willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001 Additionally these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods services, or money & was successful in creating some accounts. All. is being investigated by the FTC
Consumer complaint received 2023-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (IL)

Citi has " reviewed '' their internal actions and surprisingly came to the conclusion that they have no wrong-doing. They have reduced my credit limit for no reason, refused to process automatic payments with the intent of forcing the account to have late payments, charge fees as a result of their actions, refused to credit payments, and increased the rate to the penalty rate after 1 late payment ( again the results of their system ). 

They have been flippant and dismissive in their responses, and have been punitive in actions as a retaliation to leveraging complaints to the CFPB in order to force action. Their staff is rude and lacks all skills necessary for proper service. 

This is the single worst bank I have ever worked with, I am appalled that you allow them to continue to treat customers like this. 

Additionally, the response I received from my last complaint, listed a closure reason that I was not their customer. Their direct correspondence to me clearly shows that they were in-fact able to locate me. I find it disgusting that they would lie to governing body such as the CFPB in order to cover up their own wrong-doing.
Consumer complaint received 2020-05-21
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: CREDIT ACCEPTANCE CORPORATION (OK)

I voluntarily Repoed the vehicle. The vehicle was repossessed in XX/XX/XXXX. I have called Credit Acceptance and they do not do anything for me. They told me after the car was sold in auction they were stop reporting on my credit. its been a few months now and they still keep reporting saying Im behind on my payments when the car was repossessed voluntarily. The balance continues to increase although I dont have the vehicle and they told me they would stop reporting. The company never sent me a letter or any statements whenever I would make my payments when I had the vehicle it was all made over the phone.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have been disputing with XXXX Transunion and XXXX since XX/XX/XXXX and have not gotten anywhere with them so this is why i am here All 3 credit reporting agencies have failed to conduct a reinvestigation which is a violation of 15 usc 1681i ( a ) ( 1 ) ( a ) The following accounts have the following violations and need to be removed form the credit report. 

XXXX XXXX loan # XXXX Transunion and XXXX violated 15 usc 1681s-2 ( b ). They have failed to provide account level documention after being contacted by the credit reporting agencies regarding my dispute and violated 15 suc 1681s-2 ( a ) ( 5 ) they have failed to mark the account as disputed even tho i have multiple times. 

XXXX XXXX Account XXXX XXXX violated 15 usc 1681s-2 ( b ). They have failed to provide account level documention after being contacted by the credit reporting agencies regarding my dispute and violated 15 suc 1681s-2 ( a ) ( 5 ) they have failed to mark the account as disputed on XXXX and transunion even though i have multiple times. 

XXXX XXXX Payment history is inaccurate from XX/XX/XXXX to XX/XX/XXXX between XXXX  transunion and XXXX. therefore this is a failure that they failed to give the furnisher relevant information and self violated 15 usc 1681s-2b.

The following collections need to be removed and all have violated 15 usc 1681s-2b XXXX- XXXX Transunion and XXXX XXXX XXXX service- XXXX ( Transunion )
Consumer complaint received 2023-01-05
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. (MI)

This has been a major disappointment for me to say the least. I'm absolutely not satisfied with the " investigation '' process of XXXX, Experian, OR XXXX. Not only have they been reporting in accurate information from me for multiple years and profiting from taking corners. They have done 3 in proper investigations on my credit profile. After Covid, My fiance and I have been searching for somwhere to live, and sadly my credit has been a major road block. These LONG response times, are even more concerning when they are clearly breaking the law. 
Again, I have 2 accounts that i NEED deleted immediately. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX In my attachments i will have HIGHLIGHTED information that provided evidence of my consumer rights being violated and also listed below will be the most recent law they have violated. 
15 U.S Code 1681i- Procedure in case of disputed accuracy ( 5 ) ( D ) ( 5 ) ( D ) Automated Reinvestigation System Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results to a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agency. 
XXXX has Deleted XXXX XXXXXXXX off of my credit profile, consumers agency 's need to relay this information, and its sad that im having to go through MANY complaints through these consumer agency 's directly, the CFPB, XXXX  and EVEN the attorney to find a resolution. 
AGAIN attachments are ATTACHED TO EMAIL. 
PLEASE DELETE ACCOUNTS immediately IF they did " PROPER '' investigations there is NO possible way to have this many mistakes, 3 investigations in a row. 
THIS is a HUGE violation of my rights
Consumer complaint received 2023-01-31
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. (VA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-05
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. (WI)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} ) 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 1681c. ( a ) ( 5 ) Section States : 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 the information is inaccurate.
Consumer complaint received 2023-01-05
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: Experian Information Solutions Inc. (MO)

Experian has verified a fraudulent account without providing me an " Investigative Consumer Report '' under 15 USC 1681ae for XXXX XXXX. It must be provided from the CRA 's on the information I have disputed. Experian customer service says " that only the creditor is supposed to provide me the information in order to determine the accuracy of my report which goes against federal law. Another thing Experian also deny my right to dispute incomplete/ inaccurate information on the consumer report which violates FCRA XXXX They're online system won't even allow me to dispute. You have to call in & if a lender is link to an account, they're representatives will refuse to dispute. 

As a consumer, do we have to put together a class action lawsuit for Experian to update they're XXXX XXXX system which violates consumer rights under FCRA? They're absolutely no legislation that claims " if a creditor is link to any personal information, you must contact the creditor first even though that creditor is fraudulent in the first place & some creditors do not engage in DIRECT DISPUTES.
Consumer complaint received 2023-01-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC (CA)

I applied for forbearance with Cross Country Mortgage at the beginning of XX/XX/XXXX. This was due to loss of employment and loss of unemployment benefits. 

At that time I had to submit several documents to validate my situation. When I submitted documents, per company communication, it was to take no linger than 7 days for them to be reviewed. It took 3 times longer, an average of XXXX weeks to be reviewed. This caused me to not get communication on what other supporting documents were needed. Finally in XXXX XXXX  they deemed that application completed. 

The application was supposedly submitted to underwriting in XXXX for approval. I was originally told it would be approximately XXXX days to get an approved. I kept following up and found not get an answer. They just kept telling me we dont have an answer yet, follow up with us in a couple of weeks. 

Time kept going by, I called every week. Here we are at the end of XXXX XXXX XXXXnd its still not been deemed approved or complete. I was also told by their employees that this would not effect my credit. It did and theyve been reporting late payments to my credit. I was told they were going to remove the late payments but they never did. 

I started keeping track of the employees I was speaking with just to have a record. 

I have gotten so much conflicting information. They seem to be extremely behind on their work and very disorganized.
Consumer complaint received 2023-01-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (FL)

My account was incorrectly sent to collections by XXXX XXXX. My credit card was lost and replaced. It was an auto-debit and I was no longer attending the gym. Even though I was not informed by any means of an outstanding amount. I got a letter from Aldous and Associates in Utah that I had a balance. 

I went to XXXX XXXX and paid the balance in full. I have the receipt. XXXX XXXX said they will clear the item with Aldous and Associates. I also spoke with Aldous and the rep assured me that they will make contact with XXXX. 

Fast Forward, there is a collection item that dropped my credit score by XXXX points from XXXX. I was under contract for a property and lost my deposit. 
The negative item was added on XX/XX/2022 and I made payment on XX/XX/2022. The collection letter was dated XX/XX/2022.
Consumer complaint received 2023-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (AZ)

I have been eligible for XXXX XXXX XXXX XXXX since XX/XX/2022. Mohela and Dept of Education have not processed my application. It has been almost 6 months of waiting with no answers. Mohela stated they are unable to give me a timeframe for forgiveness due to Dept of Education dragging their feet. After serving in public service for 10 years, I have earned student loan forgiveness. I am stuck in administrative limbo and my loan servicer cant provide any information because of the Department of Education. When I call for updates, I am told to be patient and that no information can be provided regarding an actual discharge date. Something is seriously wrong with the XXXX process.
Consumer complaint received 2023-01-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (NH)

Applied for XXXX XXXX XXXX XXXX XXXXXX/XX/2022 after falling XXXX XXXX behind after our XXXX forbearance ended. Was informed by the servicer, Dovenmuehle Mortgage Inc ( XXXX ), that some documents were missing ( documents that the application clearly stated were not required for the hardship reasons we selected ) or incomplete ( which were actually clearly marked and answered ). We promptly faxed those and were told everything was complete and would be reviewed within the XXXX XXXX legally required. It has been almost XXXX XXXX and we are still being told the application is under review. We have called numerous times and asked to speak with the single point of contact required to be available to us. We have never been able to speak with this person. All of the communication regarding this situation has been initiated by us. DMI has never called, emailed, or mailed us any communications regarding this. 
We were also informed by XXXX of the various representatives that weve spoken to since we can not reach the single point of contact, that we could not continue to make payments while under review. This contradicts the information provided in the loss mitigation application and has resulted in our past due balance continuing to grow. 
They have failed to review the application within XXXX XXXX, have lost documents, and failed to provide us with a single point of contact that we can actually reach. These acts clearly go against the XXXX  servicing requirements as well as violates XXXX
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

Wallet was stolen while at a store. Credit Cards were used by a thief that was later arrested. All Credit Card companies released liability of card holder, except Home Depot. 
Call was made to Home Depot the day of the theft to cancel the card and report theft. Home Depot was given the XXXX Police Department case number, During said call on XX/XX/2020 at XXXX XXXX XXXX XXXX EST. Along with detailed info about wallet being stolen while out shopping. The Home Depot Card was used by the thief that day. 
Letter received from Home Depot dated XX/XX/2020 Stated that they will review the fraud claim and the card holder is not responsible for anything until they render their decision. 
Letter received from Home Depot dated XX/XX/2020 Stated that after their review, the card holder is responsible for the full amount of the charges exceeding {$700.00} USD. 
Home Depot certainly knows the liability cap as per CFR 12 on stolen credit card physical usage reported within twenty-four hour 's to the credit card company is {$50.00}. 
I have called Home Depot today after receiving last letter in an attempt to resolve this matter. XXXX XXXX XXXX. I spoke with XXXX XXXX XXXX XXXX. She acted surprised like Home Depot hadn't received any of the Police Case numbers or information that a wallet theft was the case. ( Which they were given when first reported on XXXX XXXX ) However I was informed that I was now liable for all charges and interest until another review and decision was rendered. I asked and was denied any additional contact information : ( ex. email, last names, supervisor contact etc. ) I was informed that it will take seven to ten days for another review, possibly up to 90 days. 
I am the victim of a reported crime and feel like I am being re-victimized by Home Depot by being told that I am liable for charges that I did not make. I also explained to their rep today that they can file for restitution through the XXXX County State Attorney 's Office because the thief was arrested, which they told me they don't do. 
XXXX Police Case # XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX I request that the CFPB investigate this matter. I would also like for Home Depot to release me from these unauthorized charges as per federal laws and for Home Depot to waive any and all fee 's included in this case. Also Home Depot should require  Identification on any credit card purchases at the counter over XXXX XXXX Dollars.
Consumer complaint received 2023-01-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2023-01-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (GA)

Credit Acceptance repossessed my vehicle during the pandemic once I was unable to pay my XXXX a month carnote after I was laid off from my job now my credit is destroyed leaving me unable to get transportation plus the balance on my credit report is showing as if they gave my XXXX  XXXX  XXXX away because the amount hasn't changed from before they repossessed.
Consumer complaint received 2023-01-05
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 — Problem with personal statement of dispute
Company: Maximus Federal Services, Inc. (CT)

Student loan AidVantage account number ending in XXXX I have a singular monthly payment. It is disbursed amongst XXXX loans. When the singular payment was late the loan reporter XXXX reported it as XXXX late payments. This is innaccurte and unfair in practice. It was one late payment to the creditor which then they disburse amongst accounts, this is not my action nor are they terms I have agreed to. 
Additionally when I dispute this with the bureaus, they replied with an incoherent, nonsensical, and irrelevant comment on mt report of " Fixed Rate '' then they proceeded to remove the comment in that same reporting cycle. It makes zero sense and is not addressing the issue in dispute. However what it did do is drop my XXXX score by XXXX points. Completely illogical and destructive behavior with no accountability by XXXX as well.
Consumer complaint received 2023-01-05
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (CA)

I have submitted several disputes online and over the phone with XXXX regarding a hard inquiry on my credit report. All cases have been closed advising it is correct and will remain on my report for 2 years. This hard inquiry was applied by Citi Bank/Best Buy on XX/XX/XXXX. I have not applied for a credit card for Best Buy. I contacted Best Buy on XX/XX/XXXX, first spoke to XXXX and was advised he could not locate an application to match my personal information including my SSN. I was then transferred to XXXX and was again advised there was no application or credit card opened under Citi Bank/Best Buy. I have asked Citi Bank/Best Buy to provide me something in writing to confirm I did not apply for this card since XXXX keeps confirming I am responsible for this inquiry. I would like this removed from my credit as it dropped my score significantly after this inquiry was reported.