davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-15
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. (CA)

I submitted a dispute to the credit reporting agencies regarding inaccuracies on my credit report on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. 

The only investigation that was opened was my dispute sent in XXXX and ever since then, not a single investigation has started. 

I called XXXX  and had an in-depth conversation with a representative regarding my account. The only dispute investigations they have on file was the initial dispute letters they received on XX/XX/2020, and that's it. Not one investigation has been opened since and I have all of the tracking numbers to prove that they did in fact receive my letters. 

I have also not been able to talk to a representative from Experian. Every phone number I can find doesn't give you the ability to speak with someone. I used the Experian app and website and haven't been notified about any disputes for several months either. Again, I have all of the tracking information to prove they received my letters. 

Below, you can see all of the tracking details for the letters I have mailed.

Round 1 XXXX  : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX Experian : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX Round 2 Experian : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX XXXX : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX Round 3 Experian : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX XXXX  : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX Round 4 Experian : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX XXXX  : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX Round 5 Experian : Date Sent XX/XX/2020 XXXX  : Date Sent XX/XX/2020
Consumer complaint received 2020-10-15
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. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-10-15
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. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-10-08
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Shellpoint Partners, LLC (FL)

Shellpoint Mortgage took over this debt around 2017. The debt in questioned a principal balance amount and a Non Interest bearing  amount of approximately $ XXXX. I tried to negotiate a payoff with the holder of the debt XXXX whom Shellpoint would not provide me with the contact information. I dealt with an individual at that time called XXXX XXXX who made me complete a hardship form, against my wishes in order for me to attempt to negotiate a payoff. I wanted to payoff the loan and my reason was not as a result of a hardship. I stressed this over and over again and he said. " If you want to try and do this then you have to fill it out '' I reluctantly did and the following he call and said very curtly that it had been declined without providing me a reason. 

It was then that Shellpoint began harassing me accusing me of non payment. In the past 2 1/2 years I began receiving calls from Shellpoint representatives informing me that this is an attempt to collect a debt. On each occasion I have been accused of non payment. 

The problem : My principal balance is not at XXXX cents. I have been making payments on time each and every month yet Shellpoint seem unable to apply my payments. Instead the monies are not applied but are shown on the statement listed as an " Unapplied payment ''. This is when the phone calls begin stating that they are attempting to collect a debt.

I have attempted on countless occasions to resolve what is a payment processing problem by Shellpoint. I have spoken to numerous individuals who have apologized profusely and have promised that they will rectify what they have admitted to me is their
problem. This has never been achieved and every 3 months I begin receiving calls from Shellpoint representatives attempting to collect a debt. I am going to attach the escrow statement that I received from Shellpoint when they last denied my claim to have late fees removed.

During this time Shellpoint have sent people on at least 3 occasions  to the property. A property that my XXXX year old mother lives in. These individual were taking pictures of the home. My mother called me distraught that she was getting thrown out of her home.

I have tried my best to be reasonable with Shellpoint mortgage and after almost 3 years I have given up.

I have attached the escrow account provided to me by Shellpoint showing the numerous occasions where I had to request return of late fees.

I would like to report Shellpoint for harassing myself and my mother for almost 3 years.
Consumer complaint received 2020-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received the response in regards to the inquiries The creditors have been contacted and notified prior to the initial complaint. The creditors noted, and they stated that they have no evidence that I initiated these inquiries, either written or otherwise, and could not provide me with a permissible purpose. As these inquiries are both unauthorized and unsubstantiated, I request they be deleted from my credit report. Per Section 604 of the Fair Credit Reporting Act ( FCRA ), all users of my credit report must have a permissible purpose. Specifically, per section 604 ( a ) ( 3 ) ( f ), a consumer reporting agency may only furnish a report I initiated. No evidence supports I initiated this request, I request these inquiries be removed from my credit report as per section 611 ( 5 ) ( a ) ( i ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XX/XX/2020
Consumer complaint received 2023-04-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

I currently have 2 private loans with navient. One is cosigned by my mother who is currently retired and another larger loan is cosigned by my sister. I have requested that navient lower the amount that I pay monthly due to decreased pay rate and increased cost of living. navient lowered the loan under my mother 's name because she has no income, but due to my sister 's income they refused to lower that loan, instead asking me to have her help me make payments.My sister has XXXX children of her own and her own student loans, she can not assist me with these payments. I am willing to make reasonable payments however my private student loans toke up a 1/4 of my income and soon will take up 2/5. I am pay check to paycheck sometimes having to borrow with high interest loans to make ends meet. Because of this I have not been able to improve my credit sufficiently to have my sister removed from my loan, if I could do that, I could have a more reasonable payment plan. I recently had a child and this has further impacted my funds.l, navient does not offer any plans to accommodate this change. All I want is that my payment plan be based on my income and not my sister 's so that I can make somehead way on this student loan, it has been almost 10 years of payments and my loan has increases. This seems like a unbreakable circle at this point with navient.
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (ID)

I have some accounts on my credit report that do not belong to me. Please remove them immediately. I also don't have a bankruptcy in which I have provided them to you from the courts. This needs to be removed as well. I have provided my personal information, and note that I am NOT a credit repair company.
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I bought a truck and obtained a loan. I was told I would onl have 1 inquiry. 
More appeared here 's the last 1 Capital 1 auto XXXX
Consumer complaint received 2020-10-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (MD)

A XXXX XXXX XXXX vehicle I financed with Santander USA was wrongfully towed by the XXXX county police impound during the COVID-19 lockdown on XX/XX/XXXX, due to expired tags. And Santander USA failed to regain possession of the vehicle from the impound before the Police Auction date of XX/XX/XXXX that was provided to them weeks in advance. The vehicle was auction off at {$15000.00} way less than the {$20000.00} market value, which leaves me liable for a large portion of the remaining loan balance because they failed to pick up the vehicle in due time even though they were advised to. And now Im left to pay for a vehicle I no longer have possession of because they fail to regain possession of it.
Consumer complaint received 2020-10-15
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. (MD)

I've made several attempts with Experian in a attempt to report my score accurately my latest attempt was on XXXX. Between the XXXX reporting agencies Experian XXXX   and XXXX  my score is up to a XXXX point difference with XXXX  and a XXXX point difference with transunion I'm being told its because the use a different scoring model from the other credit reporting agencies and refuse to investigate. I can understand a up to a XXXX pont difference which is still unreasonable for anyone but XXXX and XXXX point differences is outrages for anyone something is obviously wrong hear. Under the Fair Credit Reporting Act credit reports must be done fair and accurately please investigate I need this problem fixed so that it will not negatively impact my credit.
Consumer complaint received 2020-07-02
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. (MS)

I have been reaching out to the credit bureaus in regards to my credit report since XXXX. They have not responded to any of my disputes. I have sent mail and faxes. They continue to ignore my requests.
Consumer complaint received 2022-10-09
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: EQUIFAX, INC. (FL)

Upon reviewing my credit report I discovered fraudulent accounts on my credit report, I contacted the proper authorities and submitted an identity thief affidavit. I urgently request the CFPB to help me resolve this matter as soon as possible.
Consumer complaint received 2020-10-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NETWORK CAPITAL FUNDING CORP (CA)

I completed a refinance loan with Network Capital Funding ( NCF ) located in XXXX, CA and signed the closing documents on or about XXXX XXXX, 2020. When the deeds were filed, I discovered on or about XXXX XXXX, 2020, after I received my recorded copies of the deeds that one of the deeds had an attachment that included my Social security number which is now public records. I dealt with XXXX XXXX, the loan processor ; XXXX XXXX, the sales agent ; XXXX XXXX, the Sr. loan processor ; and more recently XXXX XXXX with XXXX XXXX ( who NCF assigned to process the paperwork ) in an attempt to get my personal info removed from the public records. They all seem to agree that the document which contains my personal info should not have been filed. I'm totally stressed out about this mishap as I could be seriously harmed by identity theft or some other nefarious circumstance. I strongly feel that the response I've gotten from both Network Capital and XXXX XXXX has been extremely lacking given the these circumstances.
Consumer complaint received 2022-05-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Bureau Services, LLC (MO)

On or about XX/XX/XXXX, my credit report showed a debt with XXXX XXXX XXXX to be collected by Credit Bureau Services ( herein known as " CBS '' ). I disputed this information with XXXX, the company responded that I owe a medical debt from XXXX of XXXX. I have not received any prior notification about this debt and it only appeared on my credit report this XXXX. I attempted to contact CBS regarding the debt to make payment in full. I requested the company remove the debt from my report, which is customary practice when paying in full. The representative told me that they were unable to remove it from my report, that was up to the credit agencies. This is a lie. I have paid multiple collections in the past with written agreements and verbal agreements to remove the debt ( not just mark it as paid ) and my request was granted and the debts were removed. I informed the representative that she was lying, and she doubled down on her efforts to collect. I decided to pay the debt with the original creditor, XXXX XXXX. Upon calling XXXX XXXX, I learned that the collection amount was different from the amount owed. The amount stated owed by CBS was {$260.00}, XXXX XXXX said it was {$420.00}. I paid the full amount and informed XXXX XXXX that they must cease and desist all collection activity. I was told by XXXX XXXX XXXX XXXX XXXX that they did not have control over that but they would submit a letter to CBS saying the debt was paid. -- I also told him the address and phone number were incorrect. As you will be able to see, the address on the receipt and phone number are wrong... I haven't lived at this address or had this phone number for 4 years.
Consumer complaint received 2023-04-16
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: DriveTime (FL)

-I how was illegally XXXX after being on XXXX seeing the judge the same week - reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - had car towed even though my brother stayed five minutes away and could have received the car - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- it was the day before XXXX it was a XXXX act I have all the information in the court system- I need you to remove repossession XXXX XXXX  from that time frame off my report - Criminal negligence of police officer and discrimination acts The event was misled my tags were expired but it was within the same month a few days after my birthday and the only reason why I didnt change my tag because the same day my mother told me I should wait to the end of the month and she is my witness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX until my judge came back from a month long holiday vacation which indicated to me that it was a plot from the government
Consumer complaint received 2020-10-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AZ)

On XX/XX/2020 I made an online transfer ( XXXX dls ) reference no. XXXX in XXXX by Money Gram to a XXXX XXXX  account in XXXX XXXX and the money did not appear in the intended account. 
I contacted Money Gram to be able to make the cancellation since the money was never received and they told me that they cant return it that they have to investigate first, but in the rights there it clearly says that if the money was not received, the cancellation can be made.
Consumer complaint received 2020-07-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (VA)

Santander Consumer ( USA ) date of loan XX/XX/2014 balance is {$3000.00}. the car was a total lost. I no longer have possession of this car. They refuse to remove it from my credit report and they have a class action lawsuit that is in place. 

I have sent them several certified letter request the removal from my report and every six months they do a update, which effecting my score tremendously. I am asking for help with this. 

Thanks
Consumer complaint received 2022-11-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (UT)

It doesnt state what the debt is related to a financial product ( like a loan or credit card ), the notice must contain the name of the creditor to whom the debt was owed on the itemization date. 
The account number associated with the debt. 
The name of the creditor to which the debt is currently owed. 
The amount of the current debt and an itemized list of any payments made and added fees, interest, or other charges. 
The Notice of Debt must contain a statement advising you of your rights under the Fair Debt Collection Practices Act ( FCPA ), including a statement that you have the right to dispute the debt within 30 days of receiving the letter.The notice must also contain a returnable form allowing you to declare that you are disputing the debt and allowing you to select one of three reasons for a dispute : This is not my debt. 
The amount is wrong. 
Other ( you will need to supply additional information. ) The date of the last statement or invoice provided to the consumer by the creditor. 
The charge-off date. 
The date of the last payment applied to the debt. 
The date of the transaction that gave rise to the debt. 
The judgment date, if there is court judgment on the debt. 
THE COLLECTION LETTER DOESNT STATE A HUGE MAJORITY OF THIS I have no idea what this debt is and states that its from two accounts. I dont have two accounts of anything so I have no idea what this is and I believe itsa fraudulent scam with an attempt to scam me into paying this. This isnt on my credit report please help
Consumer complaint received 2021-05-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (FL)

My minor child had a medical debt due to a car accident that was paid by the other parties ' auto insurance. Nevertheless, I received a notice from Wakefield & Accossiates saying I owed the debt and it would be reported to my credit report if I did not pay it. I paid it in full so that it would not affect my steller credit. One month later I received a notice in the email from them demanding payment and a threat to report negatively to the credit agencies. I called and spoke to the representative explaining that it had been paid in full, twice! He apologized and told me to disregard the notice. I have received no phone calls/ messages from them since then/mail. Yesterday, I started getting numerous amount of credit alerts, low and behold Wakefield has put this account on my credit reports as a collection. I immediately called them, they apologized and said they were fixing it with the credit agency and sending me a letter of deletion via email. I have received NOTHING. In the meantime they have caused me a hardship, my credit score has fallen for the 700 '' s to XXXX which is only a fair rating. My credit card companies want to lower my lines of credit and I can no longer continue in the search for a mortgage to purchase a home. After constant communication with this company and correction to the financial burden they have put on me, I have no choice but to demand that this be corrected immediately. This should be illegal!