davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-23
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: EQUIFAX, INC. (MS)

I sent a dispute to  XXXX  and equfax in ref to a acct with   XXXX   XXXX   XXXX   over 30 days ago. They are reporting that the vehicle was a voluntary repossession and it was not. I asked the credit bureau to validate the information and to provide me with the names and information in which they used to validate the information. They did not provide me with anything. The balance they are reporting is {$7600.00}. I asked them to please remove it if they were not going to validate and provide me with the requested information that I have a right to under the according to the FCRA
Consumer complaint received 2017-09-05
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: Ditech Financial LLC (NY)

Ditech has allowed the title on XXXX XXXX XXXX # XXXX XXXX NY XXXX to persist as clouded, with an outstanding incorrect lien of $ XXXX which needs to be removed so we can sell our home which sale was supposed to close two months ago. Ditech has a fiduciary duty to service the mortgage and clean the title.
Consumer complaint received 2017-05-23
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. (MS)

I sent a dispute to  XXXX  and  XXXX  in ref to a acct with   XXXX   XXXX   XXXX   over 30 days ago. They are reporting that the vehicle was a voluntary repossession and it was not. I asked the credit bureau to validate the information and to provide me with the names and information in which they used to validate the information. They did not provide me with anything. The balance they are reporting is {$7600.00}. I asked them to please remove it if they were not going to validate and provide me with the requested information that I have a right to under the according to the FCRA
Consumer complaint received 2017-09-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: AES/PHEAA (OK)

I am being constantly harassed and threatened. I often receive numerous phone calls and/or texts in one day. I 've told them to stop. I am enrolled and my loans are in good standing. I 've changed my number 7-8 times because of stalking but I keep getting contacted about student loans on the new numbers. Frequently they use spoofed numbers that are similar to mine. 
I am a good student and my loans are in good standing. 
They are harassing me anyway. I 've had people follow me into restaurants and say threatening things in my earshot. 
They are using illegal means to get my new number which is supposed to be private for my personal physical safety because of the stalker.
Consumer complaint received 2017-05-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (OH)

On  XXXX   XXXX , a debt validation letter was sent t o Bull City Financial re questing validation of this debt allegedly owed. I 've also sent this thru cbr dispute. Bull city is inaccurately " verifying '' this info through them. I 've asked to receive a copy of original documents with my signature. As of  X/XX/17    bull city has failed to respond to my request. Instead on  X/XX/17    I received correspondence from aforementioned company with a bill also listed on an address I 've never lived at. I 've yet to receive any original documents as outlined in attachments. This continues to report to cbr and is not marked as in dispute as requested on letter either.
Consumer complaint received 2017-05-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (PA)

Today I received a email notification that my account was closed .... My account was negative for almost two months because wells fargo reversed a disputed charge .... I contacted them and explained the payment was paid by insurance company and was told that they would undue the charges again and to date I have received no notification of such changes ... ... They have also charged me fees that should n't be accessed on my account, I 'm tired of this bank stealing money from us ... .. they never sent me a letter stating the were denying the claim or reason as to why if the claim was denied .... very unprofessional of them .... with them the last 7 months ov er 10k has  been deposited into this account and ever over drafted or negative balance I have gotten in the past has been paid ... .. I had the opportunity account and was told that after year it would roll of to a regular checking and savings account ... ...
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant XXXX, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2017-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (SC)

XXXX   XXXX  IS A GRANT TO HELP STRUGGLING HOME OWNERS AND YOU DID NOT PARTICIPATE IN THE PROGRAM. I AM AWARE THAT YOU DID NOT HAVE TO PARTICIPATE. BY YOU NOT PARTICIPATING PUT ME AND OTHERS IN A TIGHT SITUATION FROM A STRUGGLING ECONOMY AT THAT TIME. YOU STATED THAT YOU ARE NOT GOVERNMENT SPONSORED. HOW CAN YOU NOT BE? YOU DID LOAN MONEY FOR MORTGAGES, YOU WERE A FINANCIAL INSTITUTION. SHOULD N'T YOU BE REGULATED BY THE GOVERNMENT? MOST FINANCIAL INSTITUTIONS ARE. WHAT KIND OF INSTITUTION ARE YOU? BY YOU NOT PARTICIPATING CAUSED DAMAGED TO A LOT OF PEOPLE PROBABLY, PROBABLY ESPECIALLY TO  XXXX   XXXX  AND OTHERS OF  XXXX . LIKE YOU SAID YOU DO NOT HAVE A RECORD OF ANY OF YOUR EMPLOYEES BEING RUDE, BUT THEY WERE, I DID NOT EXPECT YOU TO ACKNOWLEDGE THAT. I WAS TREATED RUDE AND GOT THE RUNAROUND. YOU DID NOT HAVE THE DECENCY TO SAY I APOLOGIZE IF YOU WERE TREATED RUDE. YOU DID CAUSE ME DAMAGE WHEN YOU SERVICED MY LOAN. I AM NOT SATISFIED WITH YOUR RESPONSE.
Consumer complaint received 2017-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (VA)

I bought a home in XXXX of XXXX. Because my bonus was paid a week after the closing date, I had to get PMI as I did not put down 20 %. Almost immediately, I requested from the mortgage originator the figure to pay the mortgage to the 80/20 split and have the PMI removed. After one month, my mortgage was sold to XXXX XXXX XXXX. I tried writing to them twice to the PMI removed. Nothing. I wrote a complaint to CFPB and they immediately sold the mortgage loan so as not to have to deal with CFPB. The mortgage was sold for the third time in XXXX of XXXX to SLS ( Specialized Loan Servicing ).  Beginning in XXXX of XXXX and through the present, I have written three letters requesting that PMI be removed, agreeing to pay the balance to bring the LTV to 80/20 and providing comps from a realtor providing updated values for my home. The value of the home has increased at least {$30000.00} due to a variety of factors. What have i received from SLS? The same form letter over and over again stating that I needed an appraisal that would cost between $ XXXX and refusing to answer how they calculate the value of my home or LTV. I have also called and received the same response. At this time, I am seeking the following : 1. ) removal of PMI immediately 2. ) reimbursement of the last six months of PMI while I was jerked around by SLS. 3. ) any fines or penalties applicable to the conduct of SLS such as Unfair Trade Practices or Consumer Fraud. I would also be happy to join in a class action or serve as a witness in a state or Federal inquiry/investigation of this Company
Consumer complaint received 2024-10-03
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. (TX)

I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2017-05-23
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (IN)

On  XXXX   XXXX ,    2017, I se nt a certified lette r to USAA Savings Bank r equesting proof of the debt as it appeared on my credit reports, with requested documents of verification in accordance with FDCPA and FCRA while infor ming USAA that the  debt has been disputed. Note : This certified letter was signed for by USAA on  XXXX   XXXX ,  2017.    On  XXXX   XXXX ,    2017, I p ulled my credit report to see if the debt had been disputed since no acknowledgement or return letters had been received within 30 days from the initial letter being signed for and received.   On  XXXX   XXXX ,    2017, I  sent another certified letter to them informing them that they have not only violated federal and state laws, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.   I then pulled my credit report again on  XXXX   XXXX ,  2017 afte r they signed for the certified letter on  XXXX   XXXX ,    2017 a nd the information has yet to be updated to claim I have disputed this debt, nor have they informed me of what collection company this debt now resides.
Consumer complaint received 2017-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

I HAVE SUBMITTED THIS COMPLAINT A FEW TIMES AND XXXX AND EQUIFAX REFUSE TO FIX IT. ON ONE OF MY CREDIT REPORTS, I BELIEVE IT IS XXXX THEY EVEN SAY " THEY CAN NOT VERIFY THE INFORMATION '' BUT THEY STILL LEAVE IT REPORTING NEGATIVE ON MY CREDIT REPORT. XXXX XXXX IS BEING LISTED AS A SERIOUS LATE PAY AND IT IS HURTING MY CREDIT WORTHINESS. I SUBMITTED THE COMPLAINT TO XXXX AND THEY RESPONED TODAY BY REMOVING IT AFTER AN INVESTIGATION WAS DONE AND THEY COULD NOT VERIFY IT AS BEING LATE. THE LAW SPECIFICALLY SAYS IF IT CAN NOT BE VERIFIED WITH DOCUMENTED PROOF THAT IT NEEDS TO BE REMOVED. I AM ATTACHING PHYSICAL PROOF FROM XXXX THAT THEY TRIED AND WERE UNABLE TO VERIFY IT SO THEY REMOVED. IF XXXX XXXX DID NOT RESPOND TO THEM THEN THEY ARE NOT RESPONDING TO THE OTHER BUREAUS. I AM DEMANDING THAT THE NEGATIVE REPORTING OF XXXX XXXX BE REOVED FROM XXXX AND EQUIFAX 'S SYSTEMS IMMEDIATELY. THEY HAVE NO WAY OF VERIFYING IT BECAUSE IT WAS NEVER LATE. THIS IS MY 10TH TIME TRYING TO GET THEM TO EITHER VERIFY AND SEND ME DOCUMENATION FROM XXXX XXXX OR REMOVE THE ITEM. THEY ARE INTENTIONALLY PUTTING THIS ON MY FILE TO HURT ME AND THAT IS AGAINST THE LAW. REMOVE IT NOW, AND DO NOT PUT IT BACK ON. SEE THE ATTACHED PROOF THAT XXXX  INVESTIGATED AND COULD NOT VERIFY AND IF THEY CAN NOT THEN YOU CAN NOT.
Consumer complaint received 2017-09-05
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (TX)

I have been over seas since XXXX of last year on XXXX. I was relying on my people back in the united states to make sure my account was setup to auto pay and payments were being made. I got back in the United States in past few months and recently am in the process of being relocated to another city and tried to apply for another mortgage and found out I have 30 day lates for XXXX and XXXX. I now cant purchase a home because of these lates on my credit report. I sense am in the process of selling this home and loan will be paid off within next 30 days or less. I have called and asked with help with this because I was out of country on duty and unaware.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2017-09-05
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: EQUIFAX, INC. (CA)

On XX/XX/XXXX I mailed a notarized dispute letter to Equifax ( attached ). Equifax has failed to respond within the required 30 day as stipulated under section 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) & ( 3 ) ( B ) of the FCRA. Equifax has also failed to inform me of the results from their investigation 5 business days after they updated my credit report on XX/XX/XXXX. My credit report/disputed items were  updated which resulted in a significant decrease to my credit score from Equifax. A list of updated information from Equifax can be found below and also has been attached. This has gravely affected my chances of obtaining a mortgage loan as my Realtor and I wish to had qualified me for. I am requesting that Equifax immediately delete the accounts referenced below from my credit report : XXXX XXXX XXXX XXXX Account number : XXXX no updates. 
XXXX XXXX Account number : XXXX Equifax updated credit report/item payment history to 81 months on XX/XX/XXXX, this resulted in several charge offs reflecting in the payment history and also several months reflecting in several Pays or Paid as Agreed updates over 81 months following charge offs. I sent Equifax a letter disputing the validity of this account ( i.e. contract ). 
XXXX XXXX XXXX Account number : XXXX Equifax updated credit report/item payment history from 42 to 81 months on XX/XX/XXXX, this resulted in an additional 30 month  payment history reflecting as Pays or Paid as Agreed. The loan duration was 42  months and paid/closed in XX/XX/XXXX. The contract with this company ended in XX/XX/XXXX when I made the last payment. How Equifax was able to obtain a positive payment history for dates afterwards when the last payment was made 30 months ago is beyond me. Again I never received any notification in writing of this update or procedure used to verify account information. 
I am not asking for a request for reinvestigation. Equifax failure to respond to my initial dispute in the timeframe allotted by FCRA means they must delete these items from my credit report pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).
Consumer complaint received 2017-05-23
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. (AL)

I disputed an account on my credit report asking for verification. Never received verification about the account yet it 's still reporting ever y 2 to 3  months updating on my report with latest date reported showing  X/X/2017   . Amount past due shows {$900.00} but highest balance shows as {$900.00}. Every now and again, they update with amount past due as  XXXX  and then drop back down to  XXXX . The only remarks left from dispute were " Charged off as bad debt., Account information disputed by consumer, meets FCRA requirements '' but I have still not received any verification of the debt, to date.
Consumer complaint received 2017-05-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MN)

I had some XX/XX/XXXX work done in XX/XX/XXXX and charged it to my Care Credit/Synchrony Bank charge card. The total of the bill was {$250.00}. When I received the bill, I immediately went online to enroll in their auto pay system to ensure my payments would be received on time and that my bill would be paid off at the end of their promotional period of their 6 month no interest/no payments plan. My payments were set up as follows : XX/XX/XXXX {$58.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} I just logged into my account online to make sure this bill is paid in full, as it should be, and I noticed that I have been receiving a late fee of {$38.00} every month and my balance is {$220.00}!!! I have made my payments EARLY every month and have never been late with this account, which I have had for years and never had an issue until now. I have never been notified that my payments were " late '' or that I have been charged a $ XXXX monthly late fee. I am requesting that Care Credit/Synchrony Bank review my account and correct my balance to {$0.00}. Furthermore, if any negative credit reporting has been done, I would also like them to correct this problem.
Consumer complaint received 2017-09-05
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. (OH)

I have had a fraud alert on my credit report for years. I keep getting at least 10-15 calls from payday loan places, vacation spots, installment loans and a host of other annoying calls and hen my credit monitoring services have been going off for a week. I have not applied to ANY of these places but they are hitting my credit report and my score keeps going further down. If I was to apply for something, I would not be eligible because of all the inquiries and I didnt approve any of these. I need these inquires removed immediately.
Consumer complaint received 2017-07-19
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. (CO)

I HAVE SUBMITTED THIS COMPLAINT A FEW TIMES AND EXPERIAN AND XXXX REFUSE TO FIX IT. ON ONE OF MY CREDIT REPORTS, I BELIEVE IT IS EXPERIAN THEY EVEN SAY " THEY CAN NOT VERIFY THE INFORMATION '' BUT THEY STILL LEAVE IT REPORTING NEGATIVE ON MY CREDIT REPORT. XXXX XXXX IS BEING LISTED AS A SERIOUS LATE PAY AND IT IS HURTING MY CREDIT WORTHINESS. I SUBMITTED THE COMPLAINT TO XXXX AND THEY RESPONED TODAY BY REMOVING IT AFTER AN INVESTIGATION WAS DONE AND THEY COULD NOT VERIFY IT AS BEING LATE. THE LAW SPECIFICALLY SAYS IF IT CAN NOT BE VERIFIED WITH DOCUMENTED PROOF THAT IT NEEDS TO BE REMOVED. I AM ATTACHING PHYSICAL PROOF FROM XXXX THAT THEY TRIED AND WERE UNABLE TO VERIFY IT SO THEY REMOVED. IF XXXX XXXX DID NOT RESPOND TO THEM THEN THEY ARE NOT RESPONDING TO THE OTHER BUREAUS. I AM DEMANDING THAT THE NEGATIVE REPORTING OF XXXX XXXX BE REOVED FROM EXPERIAN AND XXXX XXXX SYSTEMS IMMEDIATELY. THEY HAVE NO WAY OF VERIFYING IT BECAUSE IT WAS NEVER LATE. THIS IS MY 10TH TIME TRYING TO GET THEM TO EITHER VERIFY AND SEND ME DOCUMENATION FROM XXXX XXXX OR REMOVE THE ITEM. THEY ARE INTENTIONALLY PUTTING THIS ON MY FILE TO HURT ME AND THAT IS AGAINST THE LAW. REMOVE IT NOW, AND DO NOT PUT IT BACK ON. SEE THE ATTACHED PROOF THAT XXXX INVESTIGATED AND COULD NOT VERIFY AND IF THEY CAN NOT THEN YOU CAN NOT.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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.