davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (VA)

I tried calling the collection agency to explain that this matter was resolved with the gym and asked them to check on their end for what I know is a clerical error. This company employs abusive collection tactics over the phone. I spoke with an agent that called themselves " XXXX XXXX '' over the phone. They would not confirm the spelling or give me and employee identification number to identify them when asked. I was repeatedly interrupted while explaining my situations and asked " will you be paying by credit or debit '' and there was no indication of trying to listen. Luckily for me, my gym is amazing and will get the account fixed on their end hopefully soon. However, this abusive company needs to be called out. Also, my wife initially called and had me call back from work, and the agent, after explaining everything on the account to me said " I believe this is the wife. '' This was either an extremely rude comment or an admission that they illegally gave out my information to someone unauthorized on the account. Extremely rude and extremely unprofessional practices.
Consumer complaint received 2022-09-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BOEING EMPLOYEES CREDIT UNION (NV)

My XXXX XXXX XXXX that Ive had for XXXX year, has irreparable transmission issues. XXXX has issued recalls on transmission issues with this vehicle. I was not contacted by XXXX notifying me of the recalls. As a result, my vehicle is now inoperable and XXXX is telling me they will not purchase it back from me or even allow a trade in. XXXX dealership is saying they will fix the transmission but I will be without a vehicle for XXXX months. They are not offering a complimentary vehicle or assisting with rental fees. I had to purchase a new car and now have a second car payment. I spoke with the lender for the XXXX XXXX and they are saying they cant do anything because XXXX is offering to repair the vehicle. 
I would like for XXXX to take the vehicle back and pay the remaining balance to the lender. Because XXXX did not notify me of the issues with the vehicle before it became inoperable, they are responsible for the manufactures malfunction.
Consumer complaint received 2021-10-19
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC. (CT)

Ok so this has been a long dragged out situation!!! I filed a CFPB report about this already and the situation has only got worse AND they lied to the CFPB in their answer. 

My Father passed away XX/XX/2021 Sadly, I contacted SPS shortly after about his 3 mortgages with them because sadly he was in the middle of the Cares act ( Pandemic relief for mortgages ) and that has to be either modified or extended etc which requires me to be able to speak to them and do either the modification or the extension of the Cares act.

Which means I can't simply just continue payments after he passed, it requires me to deal with SPS.

So they stated I needed to provide the Death certificate to speak on the account, I did, they took 2-3 weeks to " process/Verify/Review '' it, then came back and said " Well sorry you were mis informed but now we need the Will '' I gave the Will. Took over a month to " process/Verify/Review '' the Will which shows me as the executor as well as the property being left to me, they came back with " Sorry you were mis informed AGAIN we need the probate documents signed by a judge '' I start Probate ( not a fast moving situation and even worse being done during a Pandemic ) FINALLY after about 6 weeks, I get the document from probate signed by a Probate Judge!!! SPS once again takes their sweet time ( dont remember how long this time ) to Verify it, comes back NOT GOOD ENOUGH, I speak to a supervisor at SPS who agrees with me and says " this is more then enough im going to resubmit it and you should be all set in 72 hours '' 72 hours pass and NOPE " Sorry you were yet again mis informed, we need the deed transferred over in your name '' I spoke to Probate court this morning and they said it sounds like SPS is playing games and stalling, Probate said what they gave signed by the JUDGE is enough, even said to have SPS call them directly and even speak to the judge, SPS refused.

MEANWHILE SPS is sending foreclosure letters even know THEY are stalling!!! it seems like a scam and Probate agrees as does the Judge!!!
Consumer complaint received 2022-04-09
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: Fidelity National Information Services, Inc. (FNIS) (NY)

I am complaining about Chexsystems cause I have an issue where my identity was stolen to open a fraudulent checking account. I filed an FTC affidavit and tried getting a hold of Chexsystems to see if they have a fax that I can send them the paperwork too. I have a real big emergency where I was denied membership and I was approved for an auto loan cause I had a car accident where I was declared a total loss. I have no vehicle and it is imperative that this gets resolved ASAP so I can have them re check my check systems, my social is XXXX
Consumer complaint received 2019-01-16
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)

On XX/XX/XXXX, I sent an affidavit ( Attached below ) concerning some inaccurate accounts, addresses, and names reporting on my credit profile they maintain under my social security number. 

This information is reporting is incomplete and can not be verified under the accurate method of verification under 611 ( a ) ( 6 ) and ( 7 ). Section 607 ( b ) requires you to maintain " reasonable '' procedures to assure maximum possible accuracy. 
In the judgement of XXXX vs Experian, reasonable procedures to assure maximum possible accuracy '' of my credit report should be insured. See 15 U.S.C. 1681e ( b ). 
Under FCRA within 15 days it must be re-investigated 611 ( 6 ) ( B ) ( iii ) to permanently delete the inaccurate and incomplete accounts that are being reported on the credit profile maintained under my social security number. 

For the record : My name is XXXX XXXX ( see attached drivers license ) and my address is : XXXX XXXX XXXX XXXX XXXX, XXXX MS XXXX Please remove all other name variations and addresses from my credit report as they are not reportable per the FCRA, and inaccurate. Remove all other reporting addresses listed below that should be deleted from my credit file that I never resided in, and may possibly be listed on my credit report due to fraud. Enclosed are my Notarized drivers license and recent bank statement verifying my address and identity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX Account Number XXXX Incomplete Account Number Closed Account Reporting as written off Incorrect High Balance {$1200.00} Reporting XXXX XXXX XXXX Account Number XXXX Incomplete Account Number Invalid Furnisher Reporting XXXX XXXX Account Number XXXX Unverified Account Inaccurate/Unknown Account XXXX  XXXX XXXX  Account Number XXXX Inaccurate Account Number and High Balance of {$610.00} Reporting Inaccurate Reporting as " collection '' account was closed
Consumer complaint received 2021-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (DC)

This is my second attempt with CFPB for issues with Navient. My student loan payments were increased when my loan was transferred from Sallie Mae to Navient. I complained on multiple occasions, but have not been able to get Navient to talk to me, they just laugh it away, literally. 

When CFPB contacted them on my behalf, they simply say they don't know me ... I pay them every month. REALLY!! you take my money every month and still say you don't me.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2021-02-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

I currently have a collections on my credit report from Portfolio Recovery dated XX/XX/2019 in the amount of {$350.00}. I do not know who this company is, never conducted business with them and ever signed a contract with this company.
Consumer complaint received 2022-06-30
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. (IL)

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 credit score over 719XXXX has me at a score around 590. 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 us rept but they refused they had me on mute for 4 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 .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX at XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish and account without my written instructions.
Consumer complaint received 2022-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc (OH)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand the knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. The debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2022-02-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX XXXX breach and may have gotten into the wrong hands.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

This complaint is regarding ChexSystems " blocking '' access to my report, despite my lift of a Security Freeze earlier in the year.

I had a security freeze put in place in XX/XX/2018 because financial institutions kept on pulling my report without my consent. I lifted it temporarily in XXXX-XXXX  with no issues. In XX/XX/2018, I tried to lift it again temporarily to apply for a bank account, but the bank ( XXXX XXXX XXXX ) reported a " non-response '' from ChexSystems. I worked with ChexSystems at the time to permanently lift the security freeze. ChexSystems confirmed that the freeze was lifted. Nevertheless, I abandoned getting a deposit account with that bank at that time.

Today ( XX/XX/2018 ), I applied for bank accounts at XXXX XXXX XXXX. XXXX XXXX wrote back to me : " Do you have a block on your chex systems reporting? If so you will need to remove the block so we can run the report and then replace it. Currently we are unable to run the report. '' I called ChexSystems security freeze line at ( XXXX ) XXXX.   I spoke with XXXX. XXXX said there is a " technical glitch ''. Specifically, he said there was an error related to their internal systems, and the error message says : " We are unable to access the file at the moment. '' The representative XXXX  indicated that " sometimes we receive that error. '' The representative sounded like he was in an overseas call center. He did confirm that there is no security freeze currently in place with ChexSystems, since I had it removed in XXXX. Nevertheless, this malfunction is preventing me from getting bank accounts that I want to get.
Consumer complaint received 2022-08-06
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. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$100000.00} - Late open XXXX XXXX XXXX Balance : {$28000.00} - Late open XXXX XXXX XXXX Balance : {$100000.00} - Late open XXXX XXXX XXXX XXXX : {$28000.00} - Late open
Consumer complaint received 2022-06-28
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: Nelnet, Inc. (FL)

I mailed out on XX/XX/XXXX and received no response from department XXXXf education/ Nelnet in which I followed up on XX/XX/XXXX via certified mail with returned label in which I received no response. They received both correspondences on XX/XX/XXXX and XX/XX/XXXX in which there still has been no response and it is XX/XX/XXXX. It's now going on 67 days with no response from the original complaint date. It's under my understanding that there are laws put in place to protect consumer rights correct? By law these items must be removed from my credit report since the creditor did not respond within the allotted 30 days.
Consumer complaint received 2022-04-08
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-07-11
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. (CA)

I received a copy of my credit report and noticed some hard inquires that I don't recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southwest Credit Systems, L.P. (FL)

I paid this collection to XXXX XXXX  on XXXX, XXXX. They sold this account after payment to SOUTHWEST. I've already mailed payment proof and receipt of payment received from XXXX XXXX  to SOUTHWEST, XXXX, and XXXX. This may represent fraud against me. The collection account still appears in my credit score. I'm in the process of closing on a mortgage loan.
Consumer complaint received 2022-02-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

I have been affected by Covid 19, Request help with my mortgage from Carrington Mortgage and they put me in a forbearance. My forbearance ended XX/XX/XXXX, as soon as it ended I sent the documents for the mortgage assistance. I sent Carrington all the paper work they requested but a foreclosure sale date was set to sale my house. Spoke with XXXX XXXX XXXX dept. XX/XX/XXXX he said the foreclosure sale date is still on hold not canceled yet underwriters are still working on the COVD-19 modification. He transferred me to XXXX the Supervisor. XXXX XXXX XXXX she stated the foreclosure date for XX/XX/XXXX will stay on hold until the modification is complete. I told her of the last conversations with XXXX XXXX ID # XXXX stated Supervisor XXXX XXXX XXXX XXXX said it shouldn't be on there and will be canceled said to check next week.
Consumer complaint received 2018-12-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have tried for the last 6 months to have an item reported as included in Chapter XXXX Bankruptcy without success. I have submitted 2 disputes to Transunion and both times it has come back as information accurate. This debt was included in my Dishcarged Chapter XXXX Bankruptcy. XXXX XXXX XXXX and XXXX XXXX XXXX were notified via mail when I filed and then notified by mail again when my bankruptcy was discharged in XX/XX/XXXX. Despite all of this, they continue to report inaccurately on my credit report. I understand it isn't removed, but it should show a zero balance and that it was inlcuded in bankruptcy. Here is the information below : INVESTIGATION RESULTS - VERIFIED AS ACCURATE AND UPDATED The disputed item ( s ) was verified as accurate ; however, other information has also changed. 
XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this account appears on your credit report following our investigation. 
Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : AUTOMOBILE Balance : {$0.00} DateUpdated : XX/XX/XXXX Last Payment Made : : XX/XX/XXXX High Balance : {$21000.00} Original ChargeOff : {$20000.00} Pay Status : >Charged Off< Terms : Monthly for 81 months Date Closed : XX/XX/XXXX >Maximum Delinquency of 90 days in XX/XX/XXXX< Account Sale Info : ACCOUNT SOLD TO XXXX XXXX XXXX Remarks : PURCHASED BY ANOTHER LENDER ; >PAID IN FULL/WAS A CHARGE OFF< Estimated month and year that this item will be removed : XX/XX/XXXX