davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-29
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. (TX)

A response, explanation, and answer should always be based upon the complaint issued. The Credit Reporting Agencies dont answer and then closes the complaints. What a slap in the face! I sent many attachments ( Form XXXX XXXX XXXX, sheriff 's report plus information on the person responsible for theft, identity theft, forgery and false pretenses. ) The Credit Reporting Agencies states they will enter my dispute into their system and review all information and any additional documentation you provide to determine next steps. The Credit Reporting Agencies did not review the attachments and closed the complaints. The Credit Reporting Agencies have found a way to circumvent the intentions of our government and the CFPB. Perhaps this is why we talk with overseas third world countries when we call. The overseas people with language barriers are the ones answering the complaints with " form replies ''. The Credit Reporting Agencies are not American companies. They are concerned more about money than America. Where is my government? Washington has failed taking care of this country.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX promissory note validates account paid in full before XX/XX/2017 XXXX XXXX  XXXX  day late is impossible, though Experian, XXXX, XXXX  misreport ). Documents validate account never late. Documents show account CLOSED in XXXX not XX/XX/2017 ; therefore, account could not be possibly closed in XXXX. Experian, XXXX, XXXX continue to inaccurately report for several years.
Consumer complaint received 2022-07-28
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Equifax currently reports inquiry XXXXXXXX card services on XX/XX/XXXX, XXXX inquiry is illegal and a violation of FCRA rules sec. 1681 : XXXX Card Services violates federal law ; reporting was unauthorized ; no credit or loan was awarded
Consumer complaint received 2020-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Greetings, I  XXXX XXXX XXXX, come with peace regarding Account number : XXXX. This letter is to inform you that I invoke my right to discharge this obligation pursuant to XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX United States statutes at Large 96 stat. 1211, Public Law 97-280, 31 USC 463 and 18 USC 8. PORTFOLIO RECOVERY ASSOCIATES, LLC the debtor acting as Debt Collector, is making claim against XXXX XXXX XXXX, ESTATE, the Creditor. PORTFOLIO RECOVERY ASSOCIATES, LLC is in violation of Title 15 USC 1692e. ( 1 ), ( 2 ) ( a ) ( b ), and ( 10 ) NOTICE OF SURETY ACT & BOND No. XX/XX/XXXX. See Maryland Department of Assessments and Taxation UCC File # XXXX and Instrument No.XX/XX/XXXXRecorded in XXXX County real estate records viewable at XXXX. For the record, as pursuant to Public Law No 10 Ch.48, 48 Stat. 112, 113 ( HJR192 ), all public debt shall be discharged in full Acquittance Discharge Settlement and Closure to include but not limited to all so-called debts PORTFOLIO RECOVERY ASSOCIATES, LLC may potend or intend to demand to enforce, or to compel an individual to some specific performance for an alleged debt.
Consumer complaint received 2022-02-08
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: EQUIFAX, INC. (TX)

I was looking over my credit report and I noticed that the account that I have disputed has incorrect information. It shows that the last time that XXXX XXXX XXXX updated and verified this account was XX/XX/XXXX and XX/XX/XXXX. This is an indiscrepancy regarding these different reporting dates across all three credit bureaus. Also how can this be validated as correct when no one has looked at in 5 years. So I started to do a little investigating on my rights as a consumer and I discovered that the statute of limitations on debt in Texas is four years. This section of the law, introduced in XXXX, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. I demand that this account belonging to XXXX XXXX XXXX  ( Account # XXXX ) be deleted for inaccurate reporting and misrepresentation of validating a debt from the Equifax XXXX XXXX and XXXX XXXX
Consumer complaint received 2022-02-08
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: Mercedes Benz Financial Services (MD)

On XX/XX/XXXX I called Mercedes Financial in reference to my business vehicle reporting on my personal credit And thats not supposed to happen so what you shouldve only been on my business credit the rep at Mercedes financial statXXXX it theres nothing she can do about it and that I need to call the credit bureau which I did and nothing has been done.
Consumer complaint received 2021-01-29
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)

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Consumer complaint received 2021-01-29
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: AmeriHome Mortgage Company, LLC (TN)

AmeriHome Mortgage NMLS ID XXXX We applied for the Care Act to Covid19 work loss. We were approved, yet the company is sending threatening mail and calls about foreclosure and hurting our credit. Also, charging $ XXXX month late fees. We have talked to many people on the phone. I have been told that someone in the company named Mr. XXXX has not done his job by putting the correct information in their " system ''. Every costumer service person sees the notes for action to be taken, but it has not been done. 
XX/XX/XXXX Ms. XXXX employee number XXXX or XXXX said we were good until XXXX for the care act. 
XXXX? Ms XXXX XXXX extended our care act 2 more months XX/XX/XXXX Ms. XXXX sent an email to supervisor to review XX/XX/XXXX employee XXXX sent Mr. XXXX an email whom I was told was the person in charge of care act. 

XX/XX/XXXX employee XXXX gentleman said no action has been done on their part to properly help be secured by The Care Act We are only two months past due XX/XX/XXXX and XX/XX/XXXX payments. AmeriHome Mortgage is applying late fees and harassing us for our payments. We were approved online for the Care Act on the company website. This is very stressful during this time when we have experienced job loss, pay cuts, and deaths in the family during the pandemic. 

Also the company would call if your payment was late by 2 days before the pandemic. 
I would never recommend this company to anyone. I will gladly provide phone logs of all times they call, sometimes late at night.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2020, I disputed inaccurate information reporting on my credit report by XXXXXXXX XXXX. I was notified by the 3 credit reporting agencies, XXXX, XXXX  and TransUnion that the information was verified. I disagreed with this information, so on XX/XX/2020 I sent a follow-up to the 3 credit reporting agencies that I disagreed with the information reported and requested their method of verification as in my research, I found they should be able to provide me. Again, they verified the accuracy of the reporting and made no changes. 

On XX/XX/2020, I sent a request of verification to XXXXXXXX XXXX so that I can see how and why they have verified this information with the 3 credit reporting agencies, yet, all 3 of them didn't report the exact same thing. Again, in my research, I found that the FACT Act allows me to go directly to the original creditor under Section 312. I requested a bunch of information, however they didn't provide me with the requested information. 

On XX/XX/2020, I sent another dispute to the 3 credit reporting agencies to let them know that I have not been able to obtain actual verification of what XXXXXXXX XXXX  is reporting. I notified them that the information is inaccurate and unable to be verified per my request. 

On XX/XX/2020, I sent another dispute to XXXXXXXX XXXX  to notify them that I've had my rights violated. 

In my research, I found something called Appendix B to Part 1022 - Model Notices of Furnishing Negative Information. My research shows that a financial institution that is subject to section 623 ( a ) ( 7 ) of the FCRA shall be deemed to be in compliance with the notice requirement in section 623 ( a ) ( 7 ) of the FCRA if the institution properly uses the model notices in this appendix. I would like to see the actual document that was sent to me to verify that my rights have not been violated.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX  XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX  XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX  XXXX on XX/XX/XXXX XXXX Reported Identity Theft ). I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : XXXX XXXX XXXX as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I found discrepancies on my credit report regarding late payments to my XXXX  XXXX account ending in XXXX. I provided proof and dispute with company and credit bureau and No change has come despite providing the proof that payments were made. Something needs to be done in regards to making the corrections As stated, Upon reviewing my credit report, I found discrepancies on my XXXX  XXXX Account ending in XXXX, Opened XX/XX/XXXX, Credit Limit of {$350.00}. The report states that late payments were made in the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The information is inaccurate. Payments were made on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. My bank reflect payments made to XXXX XXXX for the account in question. I have the banking statements to back up my claim. Last attempt before having to seek XXXX XXXX and filing a compliant with XXXX.
Consumer complaint received 2021-05-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (VA)

I was in a loan modification. My payment was late XXXX due to the mail service. I mailed the payment in time, they state it was late and refused it. I was removed from the loan modification and they state I am in pre-foreclosure since XXXX. They have returned 2 payments but I have not received XXXX payment back. They stated it would be returned and NOT to send any other payments. I have talked to them several times, submitted paperwork and its always something else to prevent a meeting modification. All of this has been going on during COVID. I have to re-qualify for a home I have had since 2006 and the interest rate is ridiculous. I want to keep my home. We have also discussed having my wife added to the mortgage and was denied. Any assistance you can give is greatly appreciated.
Consumer complaint received 2021-01-29
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XX/XX/XXXX I received an alert that someone applied for a Cabella capitol one credit card in my name. There is a hard inquiry on my credit report. I reached out to Cabella and Capital one. I was told they would remove it from my credit report and also contact the three major credit bureaus. I called them yesterday XX/XX/ to inquire because its still on my report and Capital one stated they could not give me any information.
Consumer complaint received 2021-05-20
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: Santander Consumer USA Holdings Inc. (NV)

XXXX I saw that CHRYSLER CAPITAL was still reporting a derogatory mark on my credit report per XXXX XXXX XXXX XXXX Upon further research, this account was transferredXXXXsold and I am no longer responsible for the account, debtorXXXXcreditor did not verify this collection, also there was no written form of communication, contract or signature for this accused debt at all. 

According to the FCRA XXXX collector name XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately. I was a victim of identity theft and have submitted my information to the company several times in order to resolve this issue.
Consumer complaint received 2021-05-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (MA)

This compliant is filed against NewRez LLC XXXX # XXXX My husband and I applied to refinance our mortgage on Mon XX/XX/XXXX with NewRez our current lender and at this time Thur XX/XX/XXXX we are still waiting to hear on a closing date. The loan processor and the Loan officer have been unresponsive to phone calls and emails. 

There have been a number of staff requesting paperwork and with closing date being pushed from one month XXXX XXXX XXXX to the next and now there is no ETA at all. On their online customer platform XXXX ' there is still 1 open item dates back to XX/XX/XXXX asking for paperwork that have already been provided twice. 

Our loan application seem shuffled or lost in the pile. Manager should perform review of the work ; to control volume and aging populations. We also sent email and call to the Loan Manager and still no reply. There should be a special task force to drive aged applications to completion. Unprofessional work ethics. It is unacceptable to long this long, 9 months! 

I asked in my emails and calls : -what is still pending -close date -how to withdraw application Nothing. 

Loan Officer : XXXX XXXX - XXXX XXXX XXXX ) XXXX XXXX : XXXX XXXX - XXXX XXXX XXXX ) XXXX XXXX
Consumer complaint received 2024-09-26
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Global Lending Services LLC (NC)

I am writing to formally dispute the accuracy of a repossession listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information that I believe to be inaccurate, incomplete, or unverifiable. I am disputing the following entry on my credit report : - **Account/Loan Name : ** Global Lending Services - **Date of Repossession : ** XX/XX/XXXX & XX/XX/XXXX This repossession is inaccurate and should be removed for the following reasons : There was an error in the credit report showing repossession is getting rereported every 30 days. Event has occurred every month since XX/XX/XXXX. There was also a discrepancy with the repossession date. It shows XX/XX/XXXX and also XX/XX/XXXX. Since the creditor has received the property back they still trying to collect on a {$9000.00} debt. 

Under the FCRA, you are required to investigate this matter and provide a response within 30 days. I request that you contact the creditor to verify the legitimacy of this repossession and, if it can not be verified or is found inaccurate, remove the negative information from my credit report immediately. 

Please send me written confirmation that this repossession has been removed or updated on my credit report. Additionally, if this dispute is not resolved to my satisfaction, I intend to escalate the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action to ensure compliance with federal regulations. 

Thank you for your prompt attention to this matter. I look forward to a timely resolution. 

Sincerely, XXXX XXXX