davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-18
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: Ditech Financial LLC (TX)

Ditech Mortgage Company did NOT send the Statement on XX/XX/XXXX for XX/XX/XXXX payment, we received the statement until XX/XX/XXXX, check was sent for XX/XX/XXXX and XX/XX/XXXX, check was cleared for both months on XX/XX/XXXX but they reported it as late payment, both my wife and I have had EXCEPTIONAL credit, now both credit scores are affected. 

XX/XX/XXXX Ditech went on Bankruptcy, we found out on late XX/XX/XXXX. Was until XX/XX/XXXX in the process of refinancing we found out that this report was done, could not get in touch with DITECH, had followed up multiple times with XXXX XXXX XXXX who purchased our loan by telephone, via email, and certified letters, two previous complaints filled with CFPB, more then 30 days passed and now the latest response from XXXX dated XX/XX/XXXX states they need additional time when is already more than two months we still waiting for. We can NOT give XXXX XXXX XXXX more time. 

Ditech can not be contacted since telephone is no longer in service, I contacted on XX/XX/XXXX via certified mail XXXX at XXXX XXXX XXXX XXXX, PA XXXX the address provided by XXXX XXXX XXXX and no response, they do not answer the listed telephone as XXXX in XXXX XXXX Minnesota so my letter came back yesterday XX/XX/XXXX.
Consumer complaint received 2023-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COMMUNITY REINVESTMENT FUND (IN)

Someone must have received an SBA loan when I was incarcerated. I was in prison from XXXX. This loan was received and applied for during that time. I sent SBA a copy of my identity theft claim and my proof of incarceration. They are still saying that I owe for this loan. Someone apparently had been receiving SSI benefits as well as filed income tax for federal but not state with a job I've never had. It has been corrected with the IRS and it's still in process with social security, but SBA is just sending me bills although I've sent them this information more than once, and I have called them. I do not owe them anything. I was incarcerated without a break or pause throughout those years. I can not pay this bill and I've only recently been released from prison. 
XXXX XXXX
Consumer complaint received 2023-03-09
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. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC (AZ)

I filed bankruptcy in WA state in XXXX, it included medical debt and payday loans. Today XXXX I received a call from a past employer stating a collection company contacted them asking for my income data as they want to garnish wages. They called to let me know, I called the company XXXX XXXX XXXX XXXX XXXX. XXXX XXXX proceeded to tell me that CCF Holdings has retained them to sue me for damages in the amount of XXXX. I asked who this was for, it was like pulling teeth he wouldn't give me dates. I asked " was this a pay day loan company '' he said " yes, an installment loan company '' I explained that I filed bankruptcy and included all payday loan companies, he said " well we wouldn't have shown on a credit report so they likely weren't included and you now owe the money '', I said I listed all accounts, I didn't use my credit report to determine who I was including in the bankruptcy. I also mentioned I never used a payday lender since the bankruptcy and that statue of limitations had to have expired by this point. He started yelling at me, telling me I needed to pay that they were coming after me and my wages would be garnished and hung up on me. I typically would think this is a scam and let it go, but because he in fact has contacted my past employer I feel they are trying to get money. I am at a loss as to what to do. I have never heard from them until now 10 years later. Is there anyone that can assist me? 

XXXX XXXX ( at the time XXXX XXXX ) XXXX XXXX They would not provide any account information or dates only CCF Holding, an installment payday loan and the amount they are suing me for {$2200.00}
Consumer complaint received 2023-02-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP (MO)

I LIVE IN A XXXX XXXX  APARTMENT COMPLEX, XXXX XXXX XXXX IN XXXX, MISSOURI XXXX. WHEN I WENT TO XXXXXXXX XXXX IN XXXX, I WENT INSIDE WHEN I GOT HOME XXXX BAGS WERE STOLEN FROM MY CAR ; JUST ONE HOUR AGO, I DID LAUNDRY WHEN I CAME BACK, MY FINANCIAL INFORMATION FROM A LETTER I WAS TRYING TO WRITE HONDA FINANCIALS WAS STOLEN WITH ACCOUNT NUMBER, MAKE AND MODEL AND I FEAR THAT IT IS GOING TO BE REALLY HARD IN PROBABLY THE NEXT 6 MONTHS TO MAKE MY PAYMENTS. I JUST WROTE THE FCC ABOUT XXXX XXXX XXXX XXXX PRACTICES AND MY SISTER 'S BUSINESS : XXXXXXXX XXXX XXXX, AND HOW I HAVE BEEN OUT OF WORK SINCE XX/XX/XXXX WITH DIFFICULTY GETTING EVEN AN ENTRY LEVEL JOB IN XXXX XXXX XXXX, MISSOURI ; I CAN'T FROM PAST EMPLOYER 'S GET MY W-2 'S, AND DOCUMENTS THAT PROVED I WORKED AT BOTH DESLOGE, MO XXXX XXXX XXXX XXXX XXXX IN XXXX MISSOURI WAS STOLEN FROM MY LOCKED TRUNKS AND DAMAGED BECAUSE RENTOR 'S WHERE I LIVE HAVE MY KEY. I FEAR THAT MY CAR WILL EITHER BE STOLEN, I MIGHT HAVE TO RELOCATE TO EVEN GET A JOB AT XXXX XXXX, AND I WANT TO SET UP A PAYMENT PLAN TO HELP ME THROUGH THIS BURDENSOME TIME. MY SISTER 'S BUSINESS ' NAME COMES UP ON THE PHONE ID WHEN I QUIT HER AFTER 5 YEARS IN XXXX. I HAVE BEEN COMMUNICATING WITH THE MISSOURI GENERAL, XXXX XXXX ABOUT A POSSIBLE LAWSUIT, BUT TO WHO I DON'T KNOW I AM REALLY AT A DISADVANTAGE. I WOULD LIKE TO RENEGOTIATE MY LOAN WITH HONDA FINANCIALS. I ALSO HAVE COMPUTER & PHONE ISSUES SO NOTHING IS PRIVATE.
Consumer complaint received 2023-07-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I submitted a dispute for collection agencies that were on my credit reports stating that I did not have a contract with these companies. I do not know what they are collecting a debt, for. I have no knowledge of these companies. I also submitted a dispute in reference to credit cards that were listed as fraud from the credit company that the credit bureaus would not remove as well.
Consumer complaint received 2023-03-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmerAssist A/R Solutions, Inc. (NC)

I have a debt collection from XXXX XXXX for my daughter 's XXXX work. XXXX XXXX 's written materials and verbal communications state that they will bill insurance. I provided that information on more than one occasion and was told they couldn't verify. This includes a generic email that I received on XX/XX/2022. Last year, both general dentists and my son 's oral surgeon verified and submitted claims to my employer -based XXXX XXXX XXXX XXXX XXXX plan, which includes XXXX  coverage, without any issues. Those providers also received payment. Additionally, I gave XXXX Direct my health FSA card for any costs while they were figuring out my insurance, and they never updated my payment method. Instead, they continued to charge the original debit card. Now, XXXX XXXX added fees and sent me to collections requesting payment in full, but we did not receive services and products in full. Without the final services and XXXX my daughter 's teeth moved back to exactly where they were when we first started. I filed a dispute with the credit bureau, and they just asked the collections company to send me a copy of the original contract. They never addressed my actual dispute. I reached out to the collections company XXXX, and even though they are now aware that this was sent to them inappropriately, they said they " couldn't '' do anything and referred me back to XXXX XXXX. I then called XXXX XXXX who would not connect me to the collections department, questioned me about why I hadn't called them to keep updating my payment card since they often have " systems issues '' and finally agreed to escalate my call to their collections department internally and some one would get back to me. As I told her, XXXX XXXX is a scam, looking for cash, not rendering the services and products in full, tacking on fees or getting write offs by working with some unethical collections company. I'm also very disappointed that credit bureaus are not required to actually follow-up on disputes, but, rather are permitted to just have the company that is being accused of reporting inappropriately to send a generic letter. Apparently, that generic letter was accepted as proof that I owe this bill without thought it question.
Consumer complaint received 2023-03-09
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXXXXXX Account Number:XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-08-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (CA)

Citi bank applied methods that can only be called fraudulent. They been riding me over a account opening for 2 w. 
The skinny is I don't have a account open after providing all they asked for. I believe they acted discriminatory and failed in there sop
Consumer complaint received 2020-05-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION (SC)

XX/XX/XXXX - Mailed an 11-Point Affidavit titled " Conditional Acceptance of Debt Upon Proof of Debt Validation '' regarding account number XXXX via Notary Presentment/Certification of Mailing ( c/o XXXX XXXX XXXX / Minnesota Notary Public, sent Registered Mail # XXXX ) to XXXX XXXX c/o Navy Federal Credit Union at XXXX XXXX XXXX XXXX, XXXX, VA XXXX which was never responded to. Additionally, an agent/representative of Navy Federal Credit Union subsequently updated and " verified '' the information regarding the same account which is currently still being reported to all 3 major credit reporting agencies ( XXXX, XXXX, and XXXX  ) with failure to provide proof of method of verification. [ Copy and Proof of Service Attached ] Previously, on XX/XX/XXXX, XXXX XXXX d/b/a Navy Federal Credit Union was mailed an Affidavit of Notary Presentment, Notice and Demand for Complete Audit Trail (  Jurat ), as well as a Non-Negotiable Notice of Adequate Assurance of Due Performance via USPS Certified Mail Number XXXX which contained a pre-filled Affidavit that was never completed, properly endorsed, witnessed by a Notary, and returned. [ Attached ] One month later on XX/XX/XXXX, a Certification of Non-Response/Non-Performance was sent to XXXX XXXX d/b/a Navy Federal Credit Union via USPS Certified Mail Number XXXX XXXX XXXX XXXX XXXX. [ Attached ]
Consumer complaint received 2020-05-29
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: ENCORE CAPITAL GROUP INC. (AR)

I recently submitted back towards the end of XX/XX/2020 early XX/XX/2020 a Identity theft affidavit ( # XXXX ) ( to XXXX, XXXX, and XXXX  who was also included along with the affidavit ; a copy of my drivers license, social security card, and a recent copy of a utility bill. The Affidavit included specific detailed information relating to fraud related accounts due to identity theft which were XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX, XXXX XXXX # XXXX, and XXXX. XXXX and XXXX both failed to adhere to section 605b of blocking fraudulent information after being notified within 4 business days by a consumer. In addition XXXX  failed to investigate my dispute by responding with report # XXXX for XX/XX/20 stating they are declining my request and would require a copy of an identity theft report, drivers license, and social security card which is THE SAME INFORMATION THAT I SENT TO XXXX   WITH BOTH OF MY INITAL DISPUTES. This clearly violates section 609 and 611 of the Fair Credit Reporting Act and is a deliberate refusal to honor my request. Yet it has beyond 30 days and these fraudulent accounts still remain on my credit file which is against the FCRA guidelines. Due to the numerous violations these fraudulent related accounts should be removed immediately from my credit report from collectors as well as the bureaus.
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

This complaint is against XXXX XXXX XXXX  and their incorrect credit reporting/closure on my account despite on-time payments. 

On XX/XX/2020, XXXX XXXX reported that they paid off XXXX XXXX in full of the {$1300.00}. 

On XX/XX/2020, in my XXXX XXXX XXXX  account, it says that XXXX bank transfer/pay off my balance from my XXXX XXXX XXXX   with a balance of {$1300.00} - this transfer would have left my account at {$0.00} with XXXX  XXXX. 

********On XX/XX/2020 at XXXX PST, I called the XXXX  XXXX to notify that I would like my account closed. The representative said that he did not see a balance but mentioned, " if there is still a balance and you close your account, it will reflect negatively on your account. '' He assured me that he would close the account. ********* Early XX/XX/2020, I received another bill of a " remaining balance. '' On XX/XX/2020, I made another payment of {$5.00} supposedly on the interest that would have accrued on my previous balance. 

On XX/XX/2020 in the afternoon after XXXX, I called XXXX XXXX XXXX  to ensure that my account was closed and to confirm that my balance was at {$0.00}. The representative told me that my account was at {$0.00} and that my account was closed. 

On XX/XX/2020, I receive an email from XXXX XXXX XXXX   notifying me that my account was closed due to failed returned payments and that this was " closed by the Creditor. '' I also checked my XXXX XXXX XXXX  upon reading my email and see that this payment was " returned. '' Now, I am faced with paying additional fees from this {$5.00} that should not have been charged in the first place. 

I have had many issues with XXXX XXXX XXXX  with trying to make payments online, over the phone, and even while typing this complaint, I tried returning to my XXXX XXXX Online account and it seems the company suspended my account and will not allow me access. 

In summary, please note that my account with XXXX XXXX XXXX   should have been closed since XX/XX/2020 with all on-time payments made in full.
Consumer complaint received 2023-03-09
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: Experian Information Solutions Inc. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX, XXXX Inquired XXXX XX/XX/XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-05-29
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. (GA)

Dear Sir or Madam : I am a victim of identity theft. The information which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Resulting from the identity theft that should be blocked, Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely,
Consumer complaint received 2023-03-09
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. (NC)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$32000.00} I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy. 

XXXX XXXX XXXX Balance : {$0.00} This account has been paid and yet the current status is showing derogatory information that is unnecessary and damaging to my credit report, which is in violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect the consumers from unfair credit billing and credit card practices. This account should not be showing the current status of 30 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate these illogical statuses and provide me with the date of the last activity for the account.
Consumer complaint received 2020-08-18
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXXXXXX {$680.00} XXXX  XXXX  XXXX {$420.00} XXXX/XXXX  XXXX {$800.00} XXXX XXXX  XXXX {$120.00}
Consumer complaint received 2023-03-09
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)

This is my 2nd time or 3rd time fileing a complaint on XXXX XXXX XXXX As stated before. XXXX XXXX XXXX is report in accurate information on my experian credit report. I'm requesting XXXX XXXX to remove account off my experian report asap. I know account is gon na self come off XXXX XXXX as fcra allows 7 years has passed since last payment was made. I want this off asap. 

I went to court to tell Judge that the attorneys for XXXX XXXX XXXX  didn't serve me. Judge ordered default Judgement to come off my record. I do now owe XXXX XXXX  the amount showed on my credit report. The car was repo years ago. Delete this now XXXX XXXX 

I'll see u in court XXXX XXXX XXXX  for our conference. Also XXXX XXXX. I'm not collectible as I'm getting on social security. I have XXXX XXXXXXXX. And I'm not working So please do the right thing. Leave me alone and take off account off my credit report