davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-20
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. (NY)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (DC)

I have contacted the credit bureau on several occasions and always get the information has been verified as accurate, but the credit bureau never sends me the information I have requested that was used to verify the accounts and personal information from public record. I filed a dispute via mail and over the phone with a specialist, however, the information still remains on my credit file. I tried to dispute some of these addresses and personal information online through the credit bureaus, but it doesn't allow me. I had to contact them by phone or mail. The XXXX accounts are associated with two addresses, that I have requested to be removed several times. I have never been associated with either of the addresses. Also, there are some XXXX XXXX accounts that I have requested to be removed as well. I have no knowledge of those accounts from that creditor. I never gave the creditor permission to access my credit file or report inaccurate information. In addition, accounts on my Equifax credit file haven't been updated accordingly. The following accounts are XXXX XXXX 's XXXX, XXXX XXXX, XXXX XXXX, XXXX & XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX all these accounts need to be removed from my credit. XXXX has been paid off for over 4 months and I have disputed with XXXX several times, provided the info and they still haven't updated it since XX/XX/21, but XXXX and XXXX have updated my reports accordingly. I have attached pretty much everything that needs to be done. Lastly, XXXX, I have submitted disputes for the credit INQs currently reporting to my XXXX file and they sent me a letter showing they're deleted, but they still show up on my credit file. I think my XXXX credit file was too large and split and EQ hasn't been able to compile my file properly to retain accurate information.
Consumer complaint received 2015-10-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am unemployed and applied for the Keep Your Home CA program ; was a few days late with my XXXX 2015 paymt to BofA when the online payment system asked for a reason I told them I was working with KYHC. They started sending me home mod./foreclosure alternative paperwork via overnight XXXX and calling me daily and sending me letters requesting documents. I repeatedly notified them of the status and progress with KYHC and was even told at one point I would only be called one time per month for a status check. I am called at least weekly by " XXXX '' and asked the same questions. I received letters from her ; most recently one stating they will be receiving funds from KYHC, but she still calls me on XXXX/XXXX/15 wanting to know when they will receive XX/XX/XXXX Mortg. pymt. I am current! I have been current. I am current on my now second mortg.! She claims the letter is auto-generated ; has no clue what is being sent from her own organization ; calls and sends letters constantly ; I am current, they will get paid as always ; Bof A will never get my property ; why do n't they spend their money playing their precious employees to spend their time calling people who are behind? Or is all of America on time with their mortgage? I reached out to Bof A 3 years ago for assistance when I fell behind due to taxes owed ; since I was not underwater, they made my HELOC a second mortg, my fixed rate a 40 yr mortg. and now I can not refinance ; but I obtain help from KYHC and I can not get BofA to leave me alone. I am current and they will not stop calling and sending me letters, that is harassment! They had NOTHING for me when I needed their assistance, what possessed them to flood me with calls and modification paperwork once I informed I was working with KYHC? Less is more apparently. I will lean toward keeping them uninformed in the future. I have zero trust in the BofA. I can not wait to get on my feet soon with a job, repay KYHC what little I will owe them, sell this property, gain the equity I have in it and never again allow BofA to carry a home loan for me!
Consumer complaint received 2023-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (UT)

We have been working with PennyMac and they are excellent. We had finished our complaint/notification to them and they had responded back on XX/XX/XXXX. At that time they had never been contacted by XXXX. We received an interesting call from the PennyMac loan remodification department on XX/XX/XXXX explaining they had XXXX information from key bank and there was a lien on our home. It was strange to both PennyMac as well as us, as XXXX wanted to know if we had a lawyer. PennyMac was as confused by that questions as we were. We explained that we had contacted XXXX and they were said they would have their lawyer call us and that they would contact us back. They had not done that yet. The PennyMac representative told us about some XXXX concerns and other information and advised us to call XXXX again. We did so immediately. We also produced a CFPB feedback notice and attached it to our original filing. XXXX is important to note that this was the same day that XXXX submitted continuation on their complaint. I wanted to submit a new filing because this is now scheduled for hearing. PennyMac has been wonderful to work with, but they need to be informed as I believe XXXX also needs to be aware. We were notified and we contacted the lawyer. We were told there was no scheduled foreclosure. We also contacted penny Mac and as XX/XX/XXXX they had never been contacted by XXXX. We have communicated and called XXXX, as was our intention and what was suggested. They said they escalated it and would contact us the next day by a XXXX XXXX, we have not been contacted by XXXX. We have only been harrassed by a lawyer and a builder with eviction notices and 3 day response subpoenas in-between XXXX and XXXX XXXX. Please we want to resolve this, Here is XXXX sample of a text message from XX/XX/XXXX, this is consumer deception, a builder, some investors and a lawyer made this claim. When we received any notifications we contacted XXXX and PennyMac. We were told there was no foreclosure. This is wrong : Good morning XXXX, please give me a call when you have a few minutes so that we can discuss your options to remain in the house. As I mentioned earlier, it centers on PennyMac continuing with the terms of the loan modification agreement they sent you and that you returned to them. They were not aware that you no longer own the house but it XXXX not be a problem when they learn that there is an option for you to regain ownership of the house. XXXX is of the essence. The XXXX days notice given Tuesday of last week officially begins the process of my partners and I obtaining possession of the house. I am hopeful we can come to an agreement that allows you to stay. Theres no doubt this is very stressful for you and your family. I look forward to speaking with you soon.
Consumer complaint received 2022-01-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (TN)

When I pulled my consumer report, I seen that Paramount Recovery reported an account in the amount of {$2700.00}. As a federally protected consumer, I am aware of the rights that the organization has violated. I have never had a contract agreement with this organization and I challenge Paramount Recovery to provide such agreement under penalty of perjury. Failure to provide such agreement is a violation of my rights a consumer.
Consumer complaint received 2022-01-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP (NJ)

I've wrote Honda Financial XX/XX/2021 and XX/XX/2021 to resolve the matter regarding my vehicle due to the pandemic which has been extremely hard to keep up. I've wrote them a letter requesting my original contract to pay off my vehicle and I was told by representative that my contract was shredded on XX/XX/2021. I was never given notice about my contract being non-existent. I'm paying them with no contract on file which is fraud and against my consumer rights. I've been contacted by phone numerous times regarding to pay them. I also have received several mail pieces to pay them without my contract. I have taken every avenue to resolve this matter. They have disregarded my privacy several times even after asking them not to. I owe them nothing with a contract.
Consumer complaint received 2022-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion lowered my credit score by XXXX points just due to one credit card 's balance increased by {$170.00}. They raised it by XXXX point weeks ago when another balance decreased by {$300.00}. It's not fair, it's an abuse of power and I want this to be taken seriously!
Consumer complaint received 2019-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLD KEY CREDIT, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1987 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX GOLDKEY CRED  XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious GOLDKEY CRED  XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1987 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2022-01-02
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Convergent Resources, Inc. (TX)

THERE IS A DEBT COLLECTION AMOUNT OF {$760.00} THAT THE DEBT COLLECTOR IS TRYING TO WRONGFULLY COLLECT.I HAVE CONTACTED XXXX TO HAVE THIS DEBT TAKEN OFF MY CREDIT PROFILE THIS COLLECTION ACCOUNT WAS A RESULT OF FRAUDF I NEVER HAD A SPRINT ACCOUNT. 


I HAVE CONTACTED XXXX, XXXX IS SAYING I SHOULD CONTACTED DEBT COLLECTOR WHEN I CONTACT DEBT COLLECTOR, DEBT COLLECTOR WOULDNT TAKE IT OFF.

I LOST A WALLET DURING WHEN THIS HAPPENED. 


SINCE THEN EVERYTHING IN MY PROPERTY WAS REPLACED. 


I REQUESTED A DRIVERS LICENSE REPLACEMENT AND ALSO CLOSED ALL MY CARDS. 



I HAVE FILED A DISPUTE WITH XXXX 3 TIMES THEY STILL REFUSE TO ACCEPT THE DISPUTE AND TAKE OFF MY CREDIT REPORT. 


I KINDLY ASKED THEM TO SHOW ME VIDEO PROOF THAT THIS WAS ME MAKING THIS PURCHASE THEY DONT HAVE THAT. 



PLEASE LET ME KNOW. 


THANKS.
Consumer complaint received 2022-01-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants' Credit Guide Company (IL)

MERCHANTS CREDIT GUIDE has failed to validate an alleged debt after submitting a written affidavit requesting validation via certified mail. They have infringed on my private information as well as my XXXX private information including medical record number and date of a major surgery. This is a major HIPPA violation because I have never done business with MERCHANTS CREDIT GUIDE yet they have attached a false medical debt to my consumer reports defaming my reputation, name and brand. I have never signed a contract with this corporation & have no idea how they gained access to our personal private medical information. They have committed identity theft according to federal law and have given me health and marital problem due to their illegal tactics. My request has gone ignored for a month now & I am enforcing the law. A final notice of default has been sent to the company via certified mail. Complaint is also being forwarded to HHS.gov.
Consumer complaint received 2022-08-21
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: CITIBANK, N.A. (AL)

i have a inquiry on my report XX/XX/2022 from CBNA. i need it removed i never applied there thank you.
Consumer complaint received 2022-01-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ATG Credit, LLC (IL)

ATG CREDIT LLC has failed to validate an alleged debt after submitting a written affidavit requesting validation via certified mail. They have infringed on my private information as well as my infants private information including medical record number and date of a major XXXX. This is a major HIPPA violation because I have never done business with ATG CREDIT LLC yet they have attached a false medical debt to my consumer reports defaming my reputation, name and brand. I have never signed a contract with this corporation & have no idea how they gained access to our personal private medical information. They have committed identity theft according to federal law and have given me health and marital problem due to their illegal tactics. My request has gone ignored for a month now & I am enforcing the law. A final notice of default has been sent to the company via certified mail. Complaint is also being forwarded to HHS.gov.
Consumer complaint received 2022-01-01
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: FactorTrust, Inc. (MI)

This letter is formal notice that you have failed to respond to my dispute letter of XXXX XX/XX/2021 within 30 days. I have enclosed a copy of the return receipt which you signed in my XXXX complaint. I am maintaining detailed records of all my correspondence with you. 

You may have misplaced my letters or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, Im sure you will want to handle this matter as soon as possible. As such, I have included a copy of my original request, the dated receipt of your reception of the original letter, and a copy of the proof of the mistake placed on my records. 

As a reminder, I am disputing the XXXX XXXX account collection status due to the litigation being thrown out in court. 

Please remove this error from my credit report as soon as possible. 

Sincerely,
Consumer complaint received 2023-01-18
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: Experian Information Solutions Inc. (TX)

I sent a letter via Certified Mail to Experian in XX/XX/2022 disputing a Bank XXXX XXXX inquiry dated XX/XX/2022. I stated in the letter that there were multiple inquiries all within one day of each other on my credit report but I only authorized one inquiry from XXXX XXXX. I requested that Experian remove the unauthorized XXXX XXXX XXXX inquiry immediately and Experian reported back that it was authorized. 

I responded to their letter by mailing another letter via Certified Mail in XX/XX/2022 requesting that Experian provide proof of their investigation and proof the lender was authorized to make the inquiry and Experian did not provide any proof of their investigation or delete.
Consumer complaint received 2022-01-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Services, Inc. (TN)

When I pulled my consumer report, I seen that Collection Management SE reported numerous items in the total amount of {$15000.00}. As a federally protected consumer, I am aware of the rights that the organization has violated. I have never had a contract agreement with this organization and I challenge Collection Management SE to provide such agreement under penalty of perjury. Failure to provide such agreement is a violation of my rights a consumer.
Consumer complaint received 2021-02-12
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. (MO)

On XX/XX/2021, I wrote a letter to XXXX, Equifax, and XXXX  about a Major Issue on my credit report about a Bankruptcy. The account has incorrect, inaccurate, and inconsistent information reporting on all 3 bureaus. Which represents 4 major violations on my credit report with this account. 

I am having a problem with XXXX, Equifax, and XXXX. I filed a dispute and Their investigation has taken more than 30 Days and I have yet to receive a response from them.
Consumer complaint received 2024-10-15
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: TOYOTA MOTOR CREDIT CORPORATION (OH)

I was involved in an accident that resulted in a Total Loss of my XXXX XXXXXXXX Toyota XXXXXXXX. Following the findings of me not being at fault for the accident, Toyota Motor Financial ( TMF ), settled with only my insurance company, XXXX XXXX. They failed to contact the other parties insurance during the process. I had also purchased GAP insurance from TMF in the event it would be needed. Following the settlement on Fair Market Value, TMF only covered approximately {$900.00} with a deficit of over {$3000.00}. The account has since been charged off, however TMF semi annually reopens then closed the account. They have sold the debt previously to third parties that are not able to provide proper documentation when asked.
Consumer complaint received 2022-01-01
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: Experian Information Solutions Inc. (CA)

I HAVE SENT NUMEROUS LETTERS TO THE CREDIT REPORTING AGENCIES ASKING THEM TO REMOVE INQUIRIES THAT DO NOT BELONG TO ME AS WELL AS ACCOUNTS THAT DO NOT BELONG TO ME.

I AM A VICITIM OF IDENTITY THEFT AND I HAVE FILED TWO REPORTS WITH THE FTC AND THE CREDIT AGENCIES ARE NOT RESPONDING NOR REMOVING THE ITEMS FROM MY REPORT AS REQUESTED

I HAVE ALSO ASKED THE AGENCIES TO VALIDATE CERTAIN ACCOUNTS, WHICH THEY HAVE FAILED TO DO SO, I HAVE SENT NOT ONLY A 30 DAYS NOTICE BUT  60 DAY NOTICE OF INTENT TO FILE A COMPLAINT IF NON COMPLIANT

I HAVE SENT LETTERS TO ALL THREE CREDIT BERUEAS ON THE FOLLOWING DATESXX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX
FEDERAL LAW REQUIRES THE AGENCIES TO RESPOND WITHIN 30 DAYS, AND THEY HAVE YET TO RESPOND, BECAUSE OF THEIR FAILURE AND ACCORDING TO THE FEDERAL REGULATIONS THE CREDDIT REPORTING AEGENCIES SHALL BE INVESTIGATED BY THE Federal Trade Commission (see 15 USC 41, et seq.).
Consumer complaint received 2022-01-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I HAVE SENT NUMEROUS LETTERS TO THE CREDIT REPORTING AGENCIES ASKING THEM TO REMOVE INQUIRIES THAT DO NOT BELONG TO ME AS WELL AS ACCOUNTS THAT DO NOT BELONG TO ME.

I AM A VICITIM OF IDENTITY THEFT AND I HAVE FILED TWO REPORTS WITH THE FTC AND THE CREDIT AGENCIES ARE NOT RESPONDING NOR REMOVING THE ITEMS FROM MY REPORT AS REQUESTED

I HAVE ALSO ASKED THE AGENCIES TO VALIDATE CERTAIN ACCOUNTS, WHICH THEY HAVE FAILED TO DO SO, I HAVE SENT NOT ONLY A 30 DAYS NOTICE BUT  60 DAY NOTICE OF INTENT TO FILE A COMPLAINT IF NON COMPLIANT

I HAVE SENT LETTERS TO ALL THREE CREDIT BERUEAS ON THE FOLLOWING DATES XXXX, XXXX XXXX & XXXX
FEDERAL LAW REQUIRES THE AGENCIES TO RESPOND WITHIN 30 DAYS, AND THEY HAVE YET TO RESPOND, BECAUSE OF THEIR FAILURE AND ACCORDING TO THE FEDERAL REGULATIONS THE CREDDIT REPORTING AEGENCIES SHALL BE INVESTIGATED BY THE Federal Trade Commission (see 15 USC 41, et seq.).
Consumer complaint received 2023-01-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (IL)

PayPal- money taken on Both ends and they have not issued me my refund. Its been weeks XXXX XXXX XXXX : {$1500.00} Date : XX/XX/2023 Ive reached out to seller and called numerous of times. The money is out of sellers account and its just being held