davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A bankrupcy is showing on my creidt report when I did not end up going through with a bankrupcy. At the time I couldnt find a job and without income I thought filing bankrupcy was the only option I started it and that same week I found a job that would allow me to pay my creditors back and allow me not to go thru with the bankrupcy so the judge cancelled the bankrupcy out and no action was ever taken. I provided the federal court documents to XXXX they did delete this from my credit file but XXXX wrote me a letter stating they would not remove witch is affecting my credit worthyness when no bankrucy ever occured no debts were charged off or dissmissed?
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This DISPUTE LETTER is being submitted in light of the recent Overhaul of Consumer Records by the Credit Bureaus. I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. The below listed accounts were not opened by me, and that I did not profit from these accounts having been opened.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

It is also my request by virtue of the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) that documentation showing evidence of a properly opened investigation of the below disputed accounts be forwarded to me along with any and all responding letters or documents of these alleged creditors. Failure to provide to me these documents along with certified proof of contractual agreements between myself and all of the below listed alleged creditors shall constitute admittance that this consumer reporting agency is reporting inaccurate and unverifiable consumer information and shall be removed and deleted immediately to comply with the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) legislation.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, do not belong to me in part or in whole. Let it also be noted that I did not give my authorization for anyone else to open these accounts. 

They are being listed as follows : 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 2016-03-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (FL)

I have been trying to work with AES since XX/XX/XXXX ( as soon as I found out this loan was in repayment ) to reduce my monthly loan payment in order for me to get caught up. At the time, I was in between jobs and moving back in with my mother to try and get ahead. I had explained this to AES several times and submitted all documentation for a deferment 4 different times between XX/XX/XXXX and XX/XX/XXXX. Every time I would submit required documentation they would say that their processing department was behind and that I should call back in a week to check the status. Then, when I would call back, the person on the phone would tell me too much time has passed and that I would need to submit a new deferment request. During this time, my late fees and balance were continuing to grow. Now, XX/XX/XXXX, I am still calling to try and make small payments to get caught up and they refuse to work with me. Every person I speak to on the phone is extremely rude and will not help me in resolving this matter at all. It has completely ruined my credit at this point, and I do not know what else to do.
Consumer complaint received 2024-08-14
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)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2016-03-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: EOS Holdings, Inc. (PA)

I discontinued services with XXXX and switched to XXXX. I was given a final balance and paid the amount in full. The next month I received a bill for {$26.00}. XXXX indicated that they were unable to remove the charge because the internet portion of my account was still active. They acknowledged their mistake, but insisted I still owed the {$26.00}. In XXXX 2016, I received a collections letter from the " XXXX XXXX XXXX ''. I responded with a written dispute on XXXX/XXXX/16. I have now received another collections notice dated XXXX/XXXX/16 from " EOS CCA '' for the same disputed debt. I was called by them and later called back to let them know that the debt was already disputed in my XXXX/XXXX/16 letter. They indicated that the debt was not placed with them until XXXX. I believe that XXXX is trying to use multiple agencies in an attempt to circumvent my rights under the Fair Debt Collections Practices Act.
Consumer complaint received 2016-03-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Credit Karma (NV)

I do n't know who 's social this is.after being denied credit and seeing the reason i did some investigating and found that credit karma a third party is reporting inaccurate information. I spoke with the XXXX bureaus they show one thing credit karma another. I am attaching a transunion report with supporting documentation. I am XXXX behind this. Because of this i have to apply for a secured card just to try and build my credit while disputing this mess. I attached the denial letter with a score of XXXX. XXXX says i have no score but yet i pulled all three bureaus and it shows a score. As a consumer im confused and dont know how to fix this. 

Please help me. I want to buy a house and a car with a good interest rate.
Consumer complaint received 2016-03-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CA)

browser crashed when I first entered my info and was trying to view Experian report. I came back in and got my other XXXX reports, but experian would n't let me in and directed me to a form to submit proof of ID, I did that but my first ID copy photo was XXXX, which said it was n't allowed. Then I did a TIF as it instructed but then that was rejected because it was n't black and white. Then I submitted black and white and it said I exceeded my number of tries and must submit by mail. That 's a bunch of XXXX, considering none of those image requirements or number of attempts was NOT posted.
Consumer complaint received 2016-03-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have submitted XXXX different letters on XXXX different dates requesting items on my report be verified with documents with my original signature per the FRCA which STATES Page 35 : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : Paraphrase : The information in the credit bureaus files ( not the creditors files ), mentioned above, is the information that they store in their computer base on every consumer. Then 610 ( a ) ( 1 ) [ 1681h ] identifies the proper identification required ( driver license and SS card ) + a written request by the consumer. Basically it says that if a consumer asks the correct way, in writing, and has properly identified themselves, the XXXX bureaus are required to disclose to the consumer exactly what documents are stored within their computer base that were used to verify the information that is being reported on them. They refuse to show you anything because they do n't have anything in their files to show you. Instead they tell you to request these documents from the original creditor. 
2. Page 37 ( 2 ) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section -- Paraphrase : This says the same thing as above ... they will disclose the information requested to the consumer. 
3. Page 37 ( 2 ), ( E ), a statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer, unless the information is outdated under section 605 or can not be verified. 

each time I have been sent a letter stating information has been updated but I have received no documents. today I spoke with XXXX and her supervisor at Transunion and was advised that as long as the creditor keeps updating they do n't have to verify my records and will not be removed I want all items that do n't have original documentation removed!
Consumer complaint received 2016-03-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (CA)

i applied for a loan modification with XXXX XXXX under the making home affordable program, in fact my loan was in process for that program until the servicing was change to CALIBER HOME LOANS once they took over every thing change instead of loan modification staying within the Hamp program they took upon themselves to put it into a forbearance agreement and offer me a higher interest rate and payment that is {$1300.00} a month higher then my orginally loan payment, so i rejected it and appeal it because it is not making my loan more affordable this loan modification is designed for me to fail, it is not helping me it`s hurting me i want to keep my home not lose it, XXXX never had a problem with my request for the Hamp program so why is caliber trying to put me in a bad deal, and as of today I got a notice of sale on my home while i am still trying to modify my loan, i have a job and income to pay a mortgage payment again under the HAMP PROGRAM GUIDELINES not a payment that almost doubles what i had before
Consumer complaint received 2016-03-25
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Onity Group Inc. (TN)

During the year of 2014 I had a home owned by Ocwen Mortgage Services and who was also the home mortgage provider. But things began to go downhill, I could no longer afford to live in the home so I placed a request for a deed lieu and it was accepted. So I payed my last mortgage and was informed that I has been fully alliviated of my debt and it had been removed off my credit record. But I have recently yet to find out that the home is still on my credit records and is holding me back, I ca n't complete any finacial doings such as : loan consolidation, buying a vehicle or home, etc.
Consumer complaint received 2016-03-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

I have been trying for over 2 years to get a decent loan modification on my primary residence with my lender OCWEN. They state that I can not qualify for a HAMP loan modification because my investor does not participate in that program. So they stuck me with a 6.0 % loan modification that is XXXX % higher than the market interest rates. I ran my scenario using the XXXX website and it says that I totally qualify for a 3.25 % loan modification. I just want to keep my house and have an affordable payment.
Consumer complaint received 2016-03-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC. (GA)

I have an old Asset Acceptance account from XXXX XXXX ( Account # XXXX ). The asset acceptance tactics for recovering date have caused hardship on my family as well as third parties ( relatives living outside my home ). Asset Acceptance has robo called and intimidated my family by telling them if I do not pay the debt I will go to Jail ... .needless to say my elderly mother was terrified for my well being. Asset Acceptance has violated my rights as a consumer and XXXX terrorizing tactics to my family and myself. These tactics are listed in the FTC 's XXXX counter compliant charged against Asset Acceptance : 1. repeatedly calling third parties who do not owe a debt ; 2. informing third parties about a debt ; 3. using illegal debt-collection practices, including misrepresenting the character, amount, or legal status of a debt ; providing inaccurate information to credit reporting agencies ; and making false representations to collect a debt
Consumer complaint received 2016-03-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (MD)

I settled a debt with XXXX XXXX XXXX XXXX XXXX and filed a complaint with CFPB because they had not updated all three credit bureaus. At the time Experian showed the debt as settled and the other XXXX bureaus did not. After XXXX XXXX XXXX informed Experian, they updated the status of this debt to " legally paid in full for less than the full amount '' as requested, but now they note on my credit report every month a simple NEGATIVE for this debt that was settled in XXXX 2014. 

No specific reason is given for the recurring NEGATIVE on this debt. I wonder if this practice is in accordance with the FCRA, and if this continual NEGATIVE mark is retaliatory and is harming my credit rating unfairly. 

I would like this account to show that it was settled nearly two years ago, and request that these continued NEGATIVE marks be removed from my Experian credit report.
Consumer complaint received 2016-03-25
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: PROFICIO FINANCIAL SERVICES, LLC (WA)

this person called me repeatedly throughout the day on both cell phone and work phone for multiple days. When I called them back she accused me of harassing them because my phone cut out and I had to call them twice. The lady screamed at me on the phone, and was abusive toward me. When I told her she was being rude to me she said that I was just trying to talk over her she kept yelling at me over and over would let me get a word in edgewise and finally hung up on me without taking payment. Her final words to me where " call back when you decide to pay your bills ''. I 've never dealt with someone so vitriolic before- I 'm still shaking.
Consumer complaint received 2016-03-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I 've complained already. The bank changed my bank account stating it was no longer linked to a mortgage account, when it was never a morgage account in the first place. They began charging a monthly fee of {$25.00}. After my last complaint, they wrote that they would waive my fees until XXXX 2016 so I could decide what action I want to take. They are refusing me to change the account to one without a monthly fee, when there are other types that do not require a monthly fee. I will most likely have to close the account now which makes me mad as it 's linked to family members for transferring money. I would like a differrent account that does not charge a monthly fee. Additionally, when I first brought this up, they waived XXXX of the fees I had been charged. However, I have been charged XXXX others that they refuse to remove. So I get waivers, they agree not to charge me for a couple months, but then wo n't remove the fees I got charged in the meantime.
Consumer complaint received 2016-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CA)

I have a student loan that I was making payments on. Due to life complications I stopped payment. I did not receive warning that it was going into default or I would have responded and payed proper attention to the situation. They began to repeatedly call my XXXX friends whom I had used as references, which immediately got my attention ( as opposed to sending me a single email - which I never received ). I signed in to resume payment to see that I was in default. After initial consolidation the amount owed was XXXX. They raised it to {$11000.00} - after selling to themselves at pioneer credit ( their own subsidiary debt collection agency ). Pioneer immediately proceeded to raise it again to {$13000.00}. Upon completing rehab I will be charged up to XXXX % more again. This will more then double the loan amount. This feels like its excessive to me. Do I have options here or do I just have to accept their terms? Thank you for your help in understanding this matter and my options.
Consumer complaint received 2016-03-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (CA)

EXPERIAN refuses to comply. Credit reporting laws ensure that bureaus report only XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I have requested this information twice already? XXXX refuses to send verifiable proof and comply with the laws set forth by the FCRA. This is a deliberate violation of a Federal Law and I want these account removed from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX, California, XXXX Telephone : ( XXXX ) XXXX Date of Birth : XXXX/XXXX/XXXX SS # : XXXX DISPUTE LETTERS SENT XXXX/XXXX/XXXX & XXXX/XXXX/XXXX Credit reporting laws ensure that bureaus report only XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX A Account Number : XXXX XXXX Account Number : XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

I ALSO HAVE CERTIFIED RETURNED RECEIPTS VERIFYING THAT EXPERIAN HAS RECEIVED MY REQUEST DATED XXXX/XXXX/XXXX AND XXXX/XXXX/XXXX.
Consumer complaint received 2024-08-14
Product: Credit reporting 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. (NV)

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX Account Number:XXXX Date of Charge Off : XXXX Amount : {$0.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.