davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-30
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. (SC)

I did not receive a 1099-C from XXXX XXXX  charge off account. This makes that account inaccurate. Experian has refused to remove this account. Please be advised that this is an official attempt to correct or delete the inaccurate information on my credit report and to remove all fraudulent reporting immediately. This is not a claim of identity theft ; in fact, you are also aware of the violations youve committed by continuing to report this information. 


Ive notified you of inaccurate information on my credit report and yet, youve failed to enter the required notice of dispute pursuant to section 623. You are now in violation of said section by continued reporting and must immediately remove the inaccurate information found on my most recent dispute letter ( see enclosed ). 


FCRA Section 623 ( a ) ( 3 ) 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the complete-ness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

I am requiring immediately that you remove said inaccurate information in accordance with FCRA Sec

tion 623 ( a ) ( 3 ). Additionally, I am requiring that you provide me
with proof that an investigation has taken place, including ( but not limited to ) : Documentation that was used to prove accuracy and come to a verified response Documentation proving that an independent investigation took place and that the use of e-Oscar was not your sole method of determination Documentation of who verified this information Copies of applications, contracts, transactions, etc. that verify ownership of said account information All other relevant documentation that supports your claim
Consumer complaint received 2021-10-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I have been disputing this account for some time now with Account Resolution Services. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. I am sure there is a law that proves it.
Consumer complaint received 2021-10-08
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. (GA)

I went to my credit union to apply for an auto loan and was approved with a high interest rate. I ask them why was my interest rate so high and they said because of my credit. Now I dont check my credit everyday but I know that my scores were above 700 and has been that way for the past 20 years. I went home and took a look at my credit on the XXXX XXXX thingy and I see several accounts on here that are not mine XXXX, XXXX XXXX XXXX, XXXX. I also see several student loans on there that are not mine. Now that really was the red flag because I didnt even graduate from high school so how is that possible. The last thing I see are lots of Inquires that are not mine XXXXXXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX, XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX , XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. I also filed a complaint with the FTC and my police station here. I am doing this on my own and need someone help with this.
Consumer complaint received 2021-10-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United PanAm Financial Corp. (CA)

After reviewing my report, I see an unauthorized, inaccurate and invalid auto loan being reported onto my credit report. This account in not mine and was opened without my consent. According to the FCRA this is against federal laws. 

All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).
Consumer complaint received 2021-10-08
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. (DE)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-10-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (MD)

XX/XX/2021 for {$600.00} I informed my bank NFCU that I was involved in a scam through XXXX. They denied my claim. 
It turned out to be a current NFCU member who was involved in this scamming transaction. 
My issue was that since all parties are NFCU members, then this type of action should be deemed unacceptable and some type of action need to have taken place towards the scamming individual. And I should receive my money back. I'm not satisfied with the decision made by my financial institution.
Consumer complaint received 2021-10-08
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. (OH)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-10-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: KINGS CREDIT SERVICES (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-10-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (GA)

I got behind in my mortgage payment in 2020. It was covid related. I have ask for help from my mortgage company and they have denied me. They want me to liquidate my home. I am a XXXX vet retired from us XXXX. They refuse to help me with any options other then liquidation. I want to keep my house and I have funds to pay but my mortgage company is refusing help to me. I will be homeless. I have a wife and XXXX year daughter. I do not want to liquidate my home. I have no where to go. I can pay my payments. I cant bring current. I need help bringing current.
Consumer complaint received 2021-10-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC (NM)

( 1 ) GoodLeap provided a loan to purchase a photovoltaic solar panel system attached to a house I recently purchased, and I assumed the GoodLeap loan as part of the purchase.

( 2 ) GoodLeap has not generated any billing statement for my account since approving my loan assumption. Further, the company does not provide an account history or balance on its website.

( 3 ) I have sent two months ' worth of payments based on my understanding of the loan terms, while waiting for GoodLeap 's records to catch up, and my account should be in good standing.

( 4 ) GoodLeap has repeatedly sent me threatening messages stating that my account is past due, and threatening to report this account delinquent to credit bureaus.

( 5 ) Over about six weeks, my repeated attempts to contact GoodLeap and resolve this matter have been ignored.
Consumer complaint received 2021-10-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hillcrest Davidson & Associates (TX)

I have been disputing this account for some time now with Hillcrest and Davidson. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. I am sure there is a law that proves it.
Consumer complaint received 2021-10-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I have been disputing this account for some time now with Genesis Credit. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. I am sure there is a law that proves it.
Consumer complaint received 2021-10-08
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. (LA)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-10-08
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: CCS Financial Services, Inc. (CA)

This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.
Consumer complaint received 2021-10-08
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.
Consumer complaint received 2024-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Tower Loan of Mississippi, Inc. (TX)

On XX/XX/XXXX I received an inquiry on my credit report from TOWER LOANS that I did not make. I have never used this company. Tower loans currently has accounts on my credit that are in the amount of XXXX, and XXXX. I have never had an account with this company. My information was included in a data breach that happened in XXXX. My identity has been used on several occasions to obtain loans and credit cards. These accounts and recent inquires are proof because I have never used this company.
Consumer complaint received 2021-10-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Resurgent Capital Services L.P. (GA)

XXXX XXXX Email-XXXX Phone-XXXX These past few months LVNV FUNDING LLC has been harassing me for old debt. I was served papers to appear in court on XX/XX/XXXX. This debt was when i stayed in Alabama not in Georgia. Before this debt was sold to them i talked to XXXX in XXXX that i was under order as a dependent because my husband is military. I have proof and sent it to them of SCRA papers the told me to mail a copy and they would get back with me and I did mail them. After mailing these copies out they never responded back to me. I was a XXXX XXXX XXXX and had lost my job. I did go to court and worked out something the best way i can, I also showed proof at the time of the scra papers i sent them and others. I felt pressured and i feel as though my rights was violated by LVNV FUNDING LLC. 
The debt is still on my credit report and i have been had this on my credit. I am tired of being harassed of old debt that i have bad credit for from this company. Please feel free to email. Me or call any time.
Consumer complaint received 2021-10-08
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. (OH)

I am very upset with this issue. I sent a letter to the credit bureau on XXXX XXXX, 2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-10-08
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: Driveway Finance Corporation (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2021-10-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I obtained a home equity line from XXXX, then SunTrust, now Truist in XXXX. It was paid off in XXXX BUT XXXX never removed the lien from my home.We have been requesting a satisfaction of lien and a paid in full letter since XX/XX/XXXX. I am scheduled to close on the sale of that home on XX/XX/XXXX, so my need is urgent at this point. 

Confirmation # xxx was opened back on XX/XX/XXXX. My title company and I have been told that it was researched, completed and closed with a satisfaction of mortgage mailed to the court of clerks in my county for recording with a copy sent to the property address. BUT, neither the court of clerk nor I have received the items that SunTrust says that they mailed. 

So, new confirmation # xxx was opened requesting that a paid-in-full letter be faxed or emailed to my title company so that the sale of my home could occur as scheduled on XX/XX/XXXX. The case was supposedly escalated, but the bank is still showing it open as of yesterday 's close of business ( XX/XX/XXXX ). I was told that there shouldn't be a problem sending the paid-in-full letter since the matter was already researched and a satisfaction issued- even though it's been lost. AND they've confirmed that nothing is owed to them under either my SSN or the property address. 

Then, on XX/XX/XXXX, SunTrust opened another new confirmation # xxx and escalated it since the 2nd confirmation had not been completed. It is still open also. AND my title company still doesn't have the paid-in-letter. Why can they not send us a copy of the satisfaction completed under the first confirmation # and give us the paid-in-full letter that we desperately need to close? 

This is the worst, most inept customer service I've ever experienced with a bank. We've been promised a paid-in-full letter now too many times to count, yet neither I nor my title company have it. 

They should have released the lien back when the loan was paid off in XXXX. There's absolutely no excuse for them to not have completed this promptly once it was brought to their attention and they've had plenty of time since XX/XX/XXXX. 

I and my title company have literally spent HOURS on the phone with them listening to promises that they never follow through on. I've personally gone into their branches who show me that I don't owe them anything on their computer screens, but say that they can not give me the letter as it has to come from their Mortgage Dept. 

I now just have today ( Friday ) to get the paid-in-full letter so we can close on the XXXX since the XXXX is a bank holiday. I am elderly and desperately need your help. 

I also want others to know how XXXX, BB & T and Truist treat their customers. I would never do business with them again.
Consumer complaint received 2021-10-08
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Exeter Finance, LLC. (IL)

My promissory note is what paid for this consumer transaction, I don't see how I owe you when promissory notes turn into negotiable instruments. Please provide the documents I asked for in my debt validation, cease and desist, and Debt Declaration. Also, please respond to my Affidavit with an Affidavit. Account number : XXXX
Consumer complaint received 2024-12-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pressler & Pressler, LLP (NJ)

In XX/XX/XXXX called to set up a payment plan with Pressler Felt and Warshaw ( PFW ) for a known owed debt. Received a payment agreement letter stating they will agree to accept {$3600.00} total which includes office fees. The plan agreed was {$400.00} due the XXXX each month starting XX/XX/XXXX. The credit card company suing requests {$3200.00}. In the agreement letter it states that the funds will be applied to my balance. After unable to financially keep up with payments, the agreement was terminated and continued to my wage being garnished with the award to the credit company being {$3200.00}. After reaching out several times to PFW, I have recorded conversations, they refuse to tell me if my ( XXXX ) payment of {$400.00} given XX/XX/XXXX was applied to the balance and was told to reach out to the court officer listed on my garnishment letter. Since then it has been more than difficult to get in contact via phone with them, but they still send me letters, most recent being XX/XX/XXXX stating that I owe over {$500.00} to them.
Consumer complaint received 2021-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Atlanticus Services Corporation (MI)

I applied for a credit card with Aspire and was approved for {$700.00} credit limit and was told there was a {$170.00} annual fee charged to the card upfront, which I accepted. I was told my would arrive in 10-14 business days. When my card had not arrived by XX/XX/XXXX I contacted customer service and was told that they would cancel the card and reissue a replacement card. But I should pay the minimum due because that was part of my annual fee. I paid the minimum payment and waited for my card, which should have arrived by XX/XX/21. When it had not arrived I contacted customer service on XX/XX/21 and they stated they would cancel the card again and reissue another card. I requested that they send it via express ( XXXX ) service. I called today ( XXXX ) to verify if the card was shipped and if it was sent express, and I was told it was sent via regular mail. At this point I'm doubting this card will reach me. When I told them I am disappointed and want to close my account and their actions seem fraudulent they disconnected my contact to them. After researching online I am seeing that this is a pattern for them of not sending people their cards, but making people pay for their annual fee.