davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (AR)

I found out there was a collection account from Sunrise Credit Services on my credit report and submitted a dispute with the XXXX credit bureaus on XX/XX/year> which XXXX closed on XX/XX/year> stating the creditor had provided verification that the debt was owed to them. I haven't checked the others today. 

I never received any information on this debt from Sunrise Credit Services. No messages were ever left on voicemail from any number stating it was an attempt to collect a debt or identifying the company. I have received nothing in writing either in email or via XXXX. I learned today that they are required, by law, to provide something in writing within 5 days of first contact. There has been no contact so how can they ruin someone's credit without any contact, notification, or validation? 

Once I learned the name of the collection agency, I sent a letter requesting a debt verification in XXXX using the address I found online of XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. I have received nothing from them. 

I am sending another letter via certified mail but am incredibly upset that they are able to put something on my credit report without ever reaching out to me to validate the debt. I do not even know what the debt is for other than it is {$280.00}. I have not defaulted on any of my credit accounts. It is such a small amount, I would have paid it if I were contacted and knew I owed it.
Consumer complaint received 2022-09-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.
Consumer complaint received 2018-12-07
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. (OR)

To whom this may concern, I contacted XXXX XXXX XXXX XXXX over 60 days ago when I noted a suspicious mark on my credit report. I tried to communicate with the collection company and asked for written verification of the debt. There are two major issues. One, the debt does not exist. Two, I have a recorded phone call the day I cancelled my account. The company who sent my account to collections continued to collect weeks after my account was closed. A search on both here and XXXX would show numerous complaints similar to mine. No written verification was ever sent to me. Under FCRA this debt is now listed illegally and unverified. My records also show this debt as invalid. Since I've received no remedy from Transunion, XXXX  or XXXX and no willing participation from the company collecting this debt, I will be filing in small claims to resolve this matter. I will be collecting under the governing laws you have broken. 

This letter is a last attempt to correct this matter before taking this matter further. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-06-20
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Specialized Loan Servicing Holdings LLC (NC)

On XX/XX/2016, I was informed that XXXX XXXX XXXX XXXX will have ownership of an unjustified debt that they claim I owe them. They never furnished me any documents from the original lender and assignees of the history and proof that they can collect on time-barred debt under the PA Statue of  Limitations and FDCPA. 

I forwarded a debt validation within the 30 day period and both companies failed to respond within the time frame allowed under the Fair Debt Collection Practices Act. 

To date, I never contacted nor authorized XXXX XXXX XXXX XXXX XXXX Specialized Loan Servicing to pursue and force me into foreclosure when they can not fully, accurately, verify the debt in detail and all of the history of the alleged debt accusation. They have informed me via letter that thy are going to proceed with foreclosure actions should I not pay the entire amount owed within 15 days..normally a consumer under the FDCPA is given 30 days. This is another violation. In conclusion I never received a copy of the judgment against me.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX, Experian, and XXXX all show alternate information and incorrect reporting for matters corrected by creditors. 

I have sent several mailed in requests months and months ago to remove incorrect information like other peoples names from my credit profile. 

they continue to add erroneous information regarding the XXXX resolved case- they added 4 years of charge off CO when it was previously ND XXXX XXXX has provided them reporting that account is closed and paid and never late and though i returned the car to XXXX for being recalled for a safety issue it still appears as voluntarily reposted or surrendered. this is not correct they refuse to correct the name versions on my report and do not report the positive and paid off accounts in good standing. 

all three agencies must be in sync as the shas caused major issues if a bank only uses on company.

please let me know how we can speak to someone to correct these issue it is affecting my credit and this is specifically done to people of color and affects us in making purchases and obtaining credit!
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2018-12-07
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. (AR)

On XX/XX/XXXX I sent a certified letter reference # XXXX to TransUnion at XXXX. XXXX XXXX XXXX, PA XXXX and on XX/XX/XXXX I sent another certified letter reference # XXXX asking for information and validation of three bankruptcies that they have continued to wrongfully report on my credit report. In the letter 1st letter dated XX/XX/XXXX I requested the TransUnion provide me with the name of the courthouse, the name of the clerk who verified the bankruptcies, address, telephone number, documents used to verify the information being reported, name ( s ), date of birth, Social Security number, telephone number ( s ), or address ( es ) ; and be furnished in a standardized form and specify the time period it pertains to. 
I contacted the courts on XX/XX/XXXX to request information. Please the attached letters and repsonses. 
I then initiated an online dispute dated XX/XX/XXXX after contacting the courts regarding these reported bankruptcies An auto generated email response was sent on XX/XX/XXXX from TransUnion acknowledgement of the dispute and in addition a link for use to track any updates for the dispute was emailed to me. To this day TransUnion has not provided any online correction or feedback only a generic letter mailed to my home address stating all items had been verified as accurate. 


TransUnion is illegally reporting information that has not been verified with the original furnisher as well as reporting false and inaccurate information. Under the Fair Credit Reporting Act 's to all the above requested and if not provided all disputed information must be deleted. 

Thank you
Consumer complaint received 2018-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Commonwealth Financial Systems, Inc. (TX)

What is this complaint about? Collection Agency What type of problem are you having? damaging my credit What happened? Collection Agency bought old doctor bills that insurance paid already What company is this complaint about? Commonwealth Financial Systems, Inc Who are the people involved? XXXX   credit, XXXX and XXXX
Consumer complaint received 2018-12-07
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. (FL)

Experian Report number, XXXX I have asked Experian multiple times to verify their methods of how they verified my accounts and every time they send me a letter that they have verified the accounts. 
I have asked specific questions of whom did they speak with? When did they call and whom supplied the information along with other questions to verify that they are actually verifying these accounts. 
For over 60 days they have not responded to my request to supply the information. Now I am no longer confident that Experian is legally verifying my accounts.
Consumer complaint received 2024-09-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (GA)

I have this Navient account with Balance of {$12000.00} that is severely impacting my consumer report. 
Navient is in violation of 15 U.S. Code 1650 - Preventing unfair and deceptive private educational lending practices and eliminating conflicts of interest My original loan was with XXXX XXXX and Navient turned that dream into a nightmare. Navient provided bad information to me in writing and over the phone, processed payments incorrectly, and failed to act when I complained about the problems. These illegal practices made paying back the student loans more difficult and costly for me. 

Navient failed to send me emails regarding my renewal of my IDR plan. Now I have interest charges added that have increased. Due to Navient not informing me of critical deadlines or the consequences if I failed to act. Navient misreported to the credit reporting companies.This has significantly caused damage to my credit reports.This has also Impacted me emotionally and financially.Navient failed to correct it's errors until I discovered the problem and contacted them.
Consumer complaint received 2023-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (GA)

Citibank calls my phone numerous times a day and has broken the XXXX for XXXX rules. I have attached proof of the harassment.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (CA)

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.

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 2024-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Good morning, I lost my checking and savings account card on XXXX, but I didn't realize it until the next day. Over the course of that night, they made transactions totaling XXXX XXXX XXXX XXXX  dollars ( {$6000.00} ). The transactions were made in different forms, some online, but what worried me most was that they made two withdrawal transactions through an ATM, worth XXXX XXXX dollars each, for a total of XXXX XXXX dollars. As usual, I made a request to the bank. They initially informed me that my card and identity had indeed been stolen and that I should be calm. 
that the money was going to be replaced in my account and initially they put XXXX XXXX XXXX XXXX. {$1700.00} while they did the investigation, as is normal in all banks. 
On XX/XX/XXXX they sent me an email informing me that after conducting an investigation the result for claim No. XXXX was denied and they would eliminate the temporary credit for XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

They are reporting inaccurate information after being put on notice of errors they continue to violate federal law. They are being non compliant which violates 15 usc 1681e. All CRA 's use the same system and the others have removed these fraudulent accounts.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (FL)

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.

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 2023-05-25
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) (FL)

You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 

{ dispute_item_and_explanation } XXXX XXXX  ; Account Number : 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 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Shellpoint Partners, LLC (OR)

Mortgage Company : NewRez Loan Number : XXXX I am writing to file a complaint regarding inaccurate reporting of late mortgage payments by NewRez. Due to some family-related issues, I have occasionally paid my mortgage slightly late, but I have always ensured that the payments were made before the 30-day mark to avoid negative impacts on my credit. 

Here are the key details of the issue : I reside on the XXXX XXXX, while NewRezs processing center is located on the XXXX XXXX. 
On XX/XX/year>2024, I logged into the NewRez online portal and made my XXXX mortgage payment. However, due to the time zone difference, the payment did not reflect in their system until XX/XX/year>2024. 
As a result, a 30-day late payment was reported on my XXXX and XXXX credit reports, even though the payment was made on time according to my local time zone. 
To complicate matters further, I recently discovered that my XXXX report is showing a 30-day late payment for XX/XX/scrub> 2024, not XXXX, while XXXX and XXXX are only reporting the late payment for XXXX. 
I submitted disputes to all three credit bureaus, but they returned as verified, with no changes made. I have also tried contacting NewRez directly, but their loan servicing department does not take phone calls, leaving me with no means to speak with someone about this matter. 

I am asking for a review of this situation, particularly considering the time zone discrepancy that caused the payment to be recorded as late. I have made every effort to ensure my payments were within the 30-day window, and I believe the late marks on my credit reports are unjust. 

This issue is now preventing me from refinancing my mortgage, and I hope that NewRez can work with me to resolve this matter by removing the 30-day late payment from my credit reports. 

Thank you for your assistance.
Consumer complaint received 2018-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NV)

My Lender Loan CarXXXX, did the annual review of my escrow/impound account and found there was an overage of {$110.00}, the statement showing this is dated XX/XX/XXXX. 
Then I receive a Statement dated XX/XX/XXXX which states now their is a shortage and Increased my payment {$3.00}. 
On XX/XX/XXXX after I had received the overage check I called Loan Care and said I would rather leave the money in the escrow account so as to not increase my monthly payment and gave them the money back, confirmation # XXXX. 

Then I receive the monthly statement dated XX/XX/2018 which says my payment has increased by the {$3.00}, I called Loan Care to inquire about the payment not increasing because I gave them the {$110.00} back and was advised that would do nothing to reduce the payment. This whole process does not make since, I would rather the lender keep any overage or give me the opportunity to pay any shortage rather than increasing my payment. 

This seems like extra work on everyone 's part.
Consumer complaint received 2022-06-15
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: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX  Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX Acct  # XXXX has violated my rights.

1

5 U.S.C 1681 SECTOPM 602 A. States I have the right to privacy. 15 U.S.C 1681 Sectopm 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NJ)

I have been a customer of wells fargo for almost 20 years, I have their XXXX Banking product which includes certain features. The features that are pertinent to me are a free safety deposit box and no minimum for my checking account. 

They have been trying to get me off this account for almost 10 years, over the years they have tried numerous shady methods but I have been quite vocal about not changing unless i can get the same or better service. 

I got a notice that my account is changing in XXXX to an account type that will cost me money and I raised an exec complaint where WF basically told me that there is nothing I can do and I will be paying for these services that I previously was not paying for.