davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-09
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. (FL)

I have numerous inquiries from the same companies when I've only given them consent to run a credit report once. XXXX has FOUR separate inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I only asked for their services one time on the first date. I have a XXXX XXXXXXXX credit card and I've only applied once, but I have TWO separate inquiries from XX/XX/XXXX and XX/XX/XXXX. I only called XXXX XXXX on XX/XX/XXXX to ask questions about their options. My credit should've never been evaluated. Lastly, I never gave a consent to XXXX XXXX on XX/XX/XXXX to run my credit. It's a credit repair company that I never used as I have been attempting to repair my credit on my efforts. XXXX has 7 inquiries and XXXX has 8. The numbers don't even match each agency, and the random credit runs were unnecessary actions.
Consumer complaint received 2018-07-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DCI Credit Services, Inc. (MT)

XXXX  reported to my lender that I have an uncollected debt on my credit report placed there by DCI Credit Services in XXXX North Dakota, regarding a XXXX dollar debt 3 years ago originating at XXXX XXXX. 

I filed a dispute with XXXX, having no recollection of this debt or any collection attempts. 

DCI asserted to XXXX that the reported debt was valid and my dispute was closed. 

Today I spoke to XXXX XXXX clinic. They said I did indeed pay the bill and they recalled it from DCI, however DCI continues to report it as unpaid. 

I am filing this complaint now to establish that DCI is a negligent and irresponsible company who should not be allowed to meddle with people 's credit report. 

Attached is a screenshot of my credit report showing DCI continually  reporting a debt that was paid years ago.
Consumer complaint received 2024-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint regarding the credit reporting agencies, for their failure to remove inaccurate, unverified, and fraudulent items from my credit report. Despite multiple requests for investigation and validation, they have refused to take appropriate action. 


Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information and request validation of debts. I have made several attempts to resolve this matter by providing documentation to support my disputes, including [ briefly mention any supporting documents you sent, such as payment records or correspondence ]. However, the credit bureaus have not conducted a thorough investigation, nor have they provided the necessary validation as mandated by FCRA Section 609, which requires that consumers have access to information regarding their debts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, the refusal to remove inaccurate information is a violation of FCRA Section 607, which states that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. The credit bureaus have failed to adhere to these legal standards. 

I am requesting your assistance in resolving this matter and ensuring that my rights under the FCRA are upheld. I appreciate your attention to this issue and look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AES/PHEAA (NC)

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX XXXX XXXX with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX 2017.
Consumer complaint received 2018-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc. (CA)

The originial creditor was XX/XX/XXXX grom 2012 that was acurred in virgina. I filed bankruptcy im virginia in 2012. Also i wrote a letter asking for this debt to be removed because of the bankruptcy, and because of the statute of limitations. The only thing that has happened was this to be bounced around to new creditors that they have paid to take it over to, which I thought was illegal? The amount is {$140.00} with a new creditor bt the name of XXXX XXXX that have newly reopened in XXXX.
Consumer complaint received 2018-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

Received notification that my homeowners insurance is be canceled due to non payment on XX/XX/2018. Our escrow account with wellsfargo has over {$5400.00} in it and the payment was for less than {$3000.00}. Lender alleges that they contacted insurance company to make payment on XX/XX/XXXX & XX/XX/XXXX which is too late in my opinion. Wellsfargo failed to contact us until XX/XX/XXXX about the issue. No we have no homeowners insurance reside in Florida and insurance is unlikely to write policies due to 2 hurricanes in the XXXX. Now I have a XXXX home near the water uninsured.
Consumer complaint received 2018-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX   and CAPITAL ONE with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX 2018.
Consumer complaint received 2018-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I had 20 student loans with XXXX XXXX in forbearance. XXXX XXXX and XXXX split and 10 of  my loans somehow defaulted. XXXX XXXX did an investigation and stated they made a mistake but I would need to send certified letter to XXXX to buy back loans. XXXX refused to buy back the loans from XXXX XXXX. So I had NO CHOICE but to do a consolidation with XXXX XXXX XXXX. Now on my credit report these loans are showing NEGATIVELY 120 days late which they were not!!! I have spoken to XXXX and they are unwilling to update the status to NEVER LATE. XXXX XXXX " has no record ''. I filed a dispute with all 3 credit bureaus and they came back " accurate information '' which is not correct. I have ALL OF THESE ACCOUNTS COUNTING AGAINST MY CREDIT!! Please help!! I am asking for the XXXX and XXXX XXXX loans to either change their status to paid never late so they can reflect POSITIVELY or REMOVE them totally from my file. They are paid and closed but still affecting my credit negatively to no fault of my own! XXXX XXXX should have never been on there and would not have been if XXXX XXXX hadn't made a mistake so I am asking to REMOVE that account totally. Basically I have 4 different groups reporting the same monies. My loans are in good standing with XXXX XXXXXXXX XXXX. I have attached 2 of the 3 credit reports as XXXX is about 30 pages long. You will see the same account numbers and 20 to 30 accounts for the same monies. This is the biggest hit to my credit score and it's really not fair. I am trying to purchase my first home and this will prevent me from doing so. XXXX 's devious tactics can not continue to ruin people 's lives. After I disputed XXXX started reporting the XXXX XXXX loans under them which had been reporting under XXXX XXXX all this time. Please help and Thank you for your consideration.
Consumer complaint received 2018-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Automatic Data Processing, Inc. (AZ)

ADP is seeking to garnish my wages! They are informed that the court date to clear false and disputed debt is scheduled for XX/XX/XXXX at tha XXXX XXXX XXXXXXXX XXXX XXXX XXXX of XXXX. ADP XXXX XXXX XXXX XXXX, XXXX XXXX I have requested a release order from XXXX XXXXPA who keeps changing their name to create confusion.
Consumer complaint received 2017-04-09
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (LA)

Payment on credit report states 30day late payment month of XXXX car note payment was XXXX wrote check out for XXXXdoll wrote letter to company that rest of amount be sent next paycheck in 2wks within that time report of 30day late payment was posted lowered credit score that why sent in XXXXdoll an letter in response to avoid that
Consumer complaint received 2018-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Ive sent numerous letters asking the credit bureaus to verify the accuracy of several accounts, these letters was sent as dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I asked them to send proof of their verification ( i.e. Original Signed Documents with my signature ), as well as Accuracy as to who owns the account. Experian is reporting the account as XXXX XXXX XXXX XXXX   XXXX XXXX is reporting the same account XXXX under a different name with different amounts, payments made, terms. Therefore Experian nor XXXX truely investigated, verified, and or validate any account I disputed but stated they did. Due to there negligiance it has hurt opportunities for employment housing and credit.
Consumer complaint received 2018-07-09
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: PNC Bank N.A. (GA)

Dear CFPB, These two mortgage companies reported false information on my credit reports.

PNC MORTGAGE and XXXX XXXX XXXX.

I have NEVER done business with them. 
I NEVER applied for a mortgage with them I have NEVER signed any documents with them. 
I DO NOT OWE THEM them any money. 
During the past year, I have sent a total of 6 letters to each of these two creditors and also 6 letters to all 3 credit bureaus asking them to review and delete the false reportings. And only XXXX removed PNC MORTGAGE from my report but not XXXX XXXX XXXX. 

At this time I am very upset and seeking legal action and support from your organization as these false reportings are causing me a world of troubles.
Consumer complaint received 2018-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (CA)

Issue : Santander Bank thinks I owe them 2 payments ( which were paid through bankruptcy discharge ) Upon selling my loan to XXXX, payments were fraudulently applied to make loan current and now XXXX says I am one payment behind. Proof can be found by ordering a payment history on the mortgage servicers end. Negative reporting must stop immediately and my account needs to be corrected. I am not missing any payments. Late fees need to be reversed and correction of payments made. Thank you. 

Facts of the issue : *Bankruptcy filed XX/XX/XXXX case number XXXX *XXXX XXXX   claimed XXXX through the bankruptcy and was paid XXXX by XXXX XXXX, trustee . No late fees incur for 2 years because they know its related to bankruptcy. 

*Bankruptcy discharged on XX/XX/XXXX *Mortgage Statement dated XX/XX/XXXX states I owe Santander Bank XXXX . I order payment history, and write letter after receiving it which showed me as current and never missing a payment. I demanded a review, correction and removal of negative reporting. Written request went ignored. 

*Santander applies a payment to make loan current XX/XX/XXXX in order to sell the loan to XXXX . I am now incurring 2 months of late charges and am being reported as late when I am not. 

They have ignored my 2 prior requests vie mail to resolve this and have also given me the runaround via telephone for 2 years.
Consumer complaint received 2018-07-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PROVIDENT FUNDING ASSOCIATES (GA)

I received and replied with the information to be included in the Provident Settlement. 
I did not receive a check in the mail The Provident settlement administrator website can not be found and the phone number XXXX just has a busy signal every time I attempt to call.
Consumer complaint received 2018-07-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LD Holdings Group, LLC (VA)

They called from this number XXXX on XX/XX/2018 XXXX XXXX and XX/XX/2018 at XXXXXXXX XXXX. Its a recorded message left for a XXXX sounds like XXXX or XXXX to call Loan Depot. I called them to tell them they have the wrong number to stop calling. They informed me sorry but unless I have the loan number or SSN number nothing they can do. I said, How would I have that information? Its not my debt. Sorry. I said ok. I will just report you to the FTC or harassment and hung up. The return telephone number on the recording is XXXX
Consumer complaint received 2018-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

transunion and XXXX  are still reporting an old bankruptcy which by law shouldn't be on their due to the five items necessary to be on the 2012 bk are not being met. Under the law it does not have the required info to remain on my record.
Consumer complaint received 2018-05-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Arbor Professional Solutions, Inc. (MI)

XX/XX/2018 I received a receipt from a collection agency Arbor Professional Solutions. They reflect in the receipt the initial balance of {$1000.00} and the current balance as XXXX. They also sent the same information to XXXX  and XXXX   however they refused to report the balance was paid in full and the account is closed. They are acting as a lender and not a collection agency. They are refusing to report account was paid in full and the account is closed. I reported to both credit reporting bureaus and filed disputes but the disputes have been unfruitful in closing out the problem.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2018-07-09
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BRite Financial Services, Inc. (WI)

Puchased vehicle from Car-Rite, Britefinancial XXXX sold a warranty that they will not honor as conveniently the item to repair isn't listed in the contract. Car-Rite is legally responsible to repair the vehicle. XXXX XXXX report they showed me and the actual XXXX XXXX report totally different when I signed lease for vehicle. The repair on the vehicle is a know problem with XXXX. XXXX XXXX basically got rid of cars they couldn't sell through this subprime dealership and sold warranties. In addition to not paying for repairs the vehicle has stalled more than once on the expressway. When call to cancel the warranty will only refund 40 % of the price paid due to miles on the vehicle. Because the dealership has been closed since XXXX of 2017, only 4 months after signing the lease on the vehicle it has been difficult to even get a different dealership to diagnose the problem, {$130.00}. I have had to pay out of pocket to diagnose my vehicle and will have to find other means of getting to work as the car isn't reliable. The cost estimate for repairs is {$600.00}. It is an outrage that companies can get away with sabotaging someone and their credit when they are paying for safeguards so extra expenses don't happen.
Consumer complaint received 2018-05-06
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: Expedite Financial, Inc (GA)

I called XXXX on Friday and disputed several hard recent inquiries that i did not apply for anything. They gave me a co formation number of XXXX RE : Request Investigation of Credit Inquiry on My Behalf XXXX confirmation # XXXX Inquiries listed are : 1 ) XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX   listed twice 4 ) XXXX 5 ) XXXX 6 ) XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX listed twice 10 ) XXXX XXXX 11 ) XXXX XXXX listed twice 12 ) XXXX XXXX XXXX Dear Sir or Maam, I  recently conducted a review of my credit report, and I noticed that should be showing on my report. 
Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter.
Consumer complaint received 2018-07-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Phelan Hallinan Diamond & Jones, PC (PA)

This criminal firm ( find guilty in Superior court for defrauding and lying to their clients ) consider that is a harassment defending a property for which you do not have any obligation is consider harassment that what is consider there criminal illegal fraudulent and deceiving activity inside my property Terrorist act Crime against humanity what is consider?

I see those corrupted company claiming that there is duplicate or any other primitive claim but this is nothing else than a barbaric cover-up and a deceiving tactics that sooner or later will be expose. There must be a limit on how much a family is defrauded by criminal organization interested only in lying, defrauding, deceiving tactics and in particular all done in a criminal and illegal way in a top secret close door act which s the specially of XXXX in particular, XXXX, XXXX XXXX, and the two Law Firms XXXX  and Phelan Hallinan, The pettifogger lawyer representing those firms lie even to their own clients in order to defraud them too and triple charge then since those primitive and corrupted law firms consider themselves above law. This criminal activity of XXXX XXXX, Phelan must stop now. All Institutions receiving this letter I pray they understand my frustration with those criminal activities done against my property for which I do not have any financial obligation under any Mortgage Note. For this reason I will be as direct as possible with my words so DOJ, USA Inspector General, CFPB and the rest of Institutions receiving my Letter ( 287 Institutions ) will understand the criminal activity performed inside my house for which I do not have any mortgage or Financial obligation. The crime was done against my property only because my name is on the DEED as clearly stated by Law Firm Phelan Hallinan pettifogger lawyer. The lawyer in this Law Firm defraud and loot people property braking the oath they took of defending the laws of our Country. Is clear that the only oath they took was to loot peoples property in the most criminal way and in a top secret close door. If those are consider lawyer than the legal system is completely dead. The American spirit of owing a property in PA was completely destroyed by those criminals that for a portion if French fries they sell their mothers too. You work very hard or fight in wars to protect your country in order to see criminal lawyers defrauding you in a top secret close door act inhuman and criminal. I never believe that in XXXX in USA we meet so many, criminals lair that tries only to cheat, deceive, cover up fraud, abuses vandalism done to my property. A lawyer took the oath to defend the law of our Country
Consumer complaint received 2017-04-13
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

I lost my XXXX job in 2015, now I work as an XXXX, my wife works as a XXXX. My mortgage is an FHA backed with PennyMac of XXXX XXXX, CA. 
Loan # XXXX. Our loan modification request was denied twice. Recently, I submitted a proof of my wife 's payroll and bank statement, but the company is not responding, and started foreclosure procedures. We contacted them as soon as I lost my job, but they told us that the loan is not one year old yet, so we waited, borrowed money to pay for back mortgage.