davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (TN)

As of XX/XX/2018, XXXX XXXX is reporting a currently open account that payments are being made on ( not late, current as of XX/XX/XXXX ) as a chargeoff and showing it was charged off for $ XXXX. They also show for the past year that the account has been in charge off status under the monthly payment record, which is also incorrect. They are also showing that 0 payments have been made on the account and that the most recent payment is XXXX, which is untrue. I have attached the payment history as well as the current account status. I contacted customer service whom gave me a mailing address and said that the credit reporting department doesnt have a telephone number. I also filed a complaint with the credit bureaus and they wont update the information either. The account is current and XXXX XXXX refuses to update the account status to the credit bureaus while still receiving payments from me. I have not received a response from XXXX XXXX and am mailing a certified letter to the PO Box on XX/XX/2018.
Consumer complaint received 2018-10-25
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: CITIBANK, N.A. (FL)

since XXXX, these companies have been pulling my credit putting hard inquiries on my credit without my authorization. 

According to my most recent credit report, the companies are currently reporting to the three credit bureaus that I had applied for credit with their organizations. I do not recall granting them authorization to review my credit report. If so, they should provide signed documents signed by me where i authorized them to do so. 

Otherwise, they have to remove it as soon as possible. 

These inquiries have affected my credit dramatically. since XXXX, i've been sending dispute letters to them through the bureaus ; i've contacted them by phone, but still they haven't taken any action. 

These companies have requested a copy of my report without my consent. 

These are the following UNAUTHORIZED AND INACCURATE credit inquiries ( Validation is needed ASAP ) : XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies Cbna TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX National Credit Card Cos. 

Cbna TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX XXXX Credit Card Cos. 

XXXX/cbna TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX Personal Loans Cos. 

XXXX XXXX XXXX TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX, XXXX XXXX TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX National Credit Card Cos. 

XXXX XXXX XXXX, XXXX XXXX TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX National Credit Card Cos.
Consumer complaint received 2018-10-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: LendUp Loans LLC (TX)

This account was never opened by me, shows I have a ton of missed payments but dont its been a year and they still wont stop reporting late payments I need someone to seriously help me out. I have tried to dispute call them and no one can help me out how did someone even use my information?
Consumer complaint received 2017-06-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (AL)

XX/XX/XXXX Principal. {$5500.00} Pre-placement interest. XXXX Collection costs. XXXX Total balance XXXX They have start taking money out of XXXX XXXX check XX/XX/XXXX. I was told by Transworld systems Inc and XXXX XXXX XXXX XXXX XXXX XXXX said they will offer a buy out in XX/XX/XXXX. I 've heard from them.
Consumer complaint received 2017-06-16
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. (FL)

This complaint is a follow up to complaint #  XXXX . You have stated that the you have " verified '' the bankruptcy. Please provide the following information  : 1.  The name of the person you spoke to  at the county  clerk.    2.  The date you spoke to this person.   3. Provide a copy of the motion provided to the court to reveal my social security number concerning the bankruptcy.    4.  If you are using  XXXX   XXXX , I have a suppression filed with them.  <P/> If you can not verify with undeniable proof, you must delete this from my bankruptcy.  <P/> Violation of the FCRA and FDCPA in this complaint will result in my filing a lawsuit against your company.
Consumer complaint received 2017-06-16
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. (PA)

Went  through  XXXX    XXXX   XXXX   which made an agreement with  XXXX   XXXX    XXXX    in the amount of  XXXX  through the law office which was representing  XXXX   XXXX . Payment made for the first  XXXX  and then the second payment of  XXXX  was made on  XXXX  over the phone to the law office from  XXXX   XXXX . I have the receipt with transaction number. I was not aware this was not cleared till 15 months later when I received a letter from  XXXX    XXXX   telling me I was delinquent. I have spoken to many individuals at  XXXX    XXXX   who keep telling me they are working on it and have not resolved receiving the payment from the law office. They keep telling me they are trying to resolve it but meanwhile this still is sitting on my credit report.
Consumer complaint received 2017-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Went through XXXX XXXX XXXX which made an agreement with XXXX XXXX XXXX in the amount of XXXX through the law office which was representing XXXX XXXX. Payment made for the first XXXX and then the second payment of XXXX was made on XXXX2016 over the phone to the law office from XXXX XXXX. I have the receipt with transaction number. I was not aware this was not cleared till 15 months later when I received a letter from XXXX XXXX telling me I was delinquent. I have spoken to many individuals at XXXX XXXX who keep telling me they are working on it and have not resolved receiving the payment from the law office. They keep telling me they are trying to resolve it but meanwhile this still is sitting on my credit report.
Consumer complaint received 2018-10-25
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Optimum Outcomes, Inc. (FL)

Optimum Outcomes has placed the debt on my credit and caused my score to decrease therefore preventing me from purchasing a home. I find this to be illegal as they are not their original creditors and purchased this debt.
Consumer complaint received 2018-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (HI)

I have disputed the late payments on this XXXX   XXXX account for months. XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was  received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX  on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2017-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted  XXXX   XX/XX/XXXX  by online for inquiry removal where in which I have no contract with these entities listed on my report :   XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XX/XX/XXXX   XXXX    XXXX    XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX  EACH COMPANY STATES THE WILL NOT REMOVE INQUIRY BASED ON POSTING IN REPORTS AND SINCE NO AGREEMENT POSTS OR IDENTIFY AS ACTUAL ACCOUNTS ON REPORTS IT IS NOT THEIR FAULT. I REQUESTED TO ALL REMOVED ON THE FACT THEIR ARE NO AGREEMENTS MADE TO POST AND TO PULL MY CREDIT WITHOUT CONSENT.
Consumer complaint received 2017-06-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

I fell behind on my mortgage. I started a loan modification with to try to get the situation straight. The mortgage company slow played the process dragging it out ove r nine months and to the point where they said they could no longer help me. I was referred to another organization for help that in turn could not therefore dragging it out even longer.The communication between myself and this company has been nil an d although I was issued a rep ( point of contact ) to handle this case, I have never been able to speak to this person. After all of this, my attorney has faxed  a 3rd party request to this company four time  since  XXXX   XXXX ,    2017  and has even emailed it to supervisor  XXXX   XXXX . As of today,  XXXX   XXXX ,  2017  he still does not have access to my account. On  XXXX   XXXX ,  2017 , the company did receive a faxed loan modification application and still a single point of contact has not been assigned. I just want to try and keep my home and due to this company 's incompetence and lack of communication I am filing this complaint.
Consumer complaint received 2017-06-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

When we refinanced our home in  2016  to a conventional loan we were told that when we reach 20 % of equity we were going to be able to remove the PMI. When I called to inquire because the PMI continues to show after we reach the 20 % they told me I need to either get another appraisal and request the removal ( which is about {$450.00} for the appraisal ) or wait until the automatic removal when I reach 22 % of equity. Basically I have to pay for the PMI for anoth er five months, w hich anyway is cheaper than paying for another appraisal.
Consumer complaint received 2017-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I listed my Home for sale, and I was not I could not continue to make.I am a XXXX XXXX XXXX. I got a Buyer and we were in escrow to close the sale.XXXX XXXX would not work with me I got attorney to help me. We file a petition with the court and got a automatice stayon XXXX  XXXX,2011.I sold the property to Buyer, XXXX XXXX was paid in Full..
I did not have the funds to go forward with the automatic stay. We withraw the petition on and close the case in 11 days after we file the case was dismissed.and the case was dismiss on XXXX. XXXX, 2011.The case was dismiss in 20 days.no lender was effective by fhe filing, it was withdrawn in 20 days and should not been on my credit report.I am disputing this reporting Under the Fair Credit Reporting Act. The Bankruptcy should not be on my credit report. this loan is over 7 years, should be remove. from all XXXX credit agency.This Bankruptcy was with drawn and 11 days and should not been on my Credit files report. Please see the letter attached to this complaint from Attorney XXXX..
Consumer complaint received 2024-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (TN)

Dear CFPB Representative, I am writing to formally dispute the inaccuracies and violations found in my credit report, as well as to demand corrective actions and compensation for the listed violations of the Fair Credit Reporting Act ( FCRA ). Below, I provide a detailed account of the issues identified, along with my requests for resolution. 

XXXX. Inaccuracies in Reported Accounts BEST BUY/CBNA ( Account Number : XXXX ) Discrepancy in payment history : A XXXX late payment entry has been erroneously recorded. Violation Amount : {$1000.00} XXXX XXXX ( Account Number : XXXX ) Incorrect reporting of a closed account with a charge-off status. The balance shows {$0.00}, yet the dispute remains unresolved. Violation Amount : {$1000.00} XXXX XXXXXXXX ( Account Number : XXXX ) Inconsistent reporting : The account is reported positively to XXXX credit bureaus but negatively to XXXX, creating an inaccurate and misleading credit profile. This inconsistency violates FCRA guidelines requiring accurate and uniform reporting across all bureaus. Violation Amount : {$1000.00} XXXX. Legal Violations BEST BUY/CBNA : Failure to remove disputed late payment entry, violating FCRA provisions . 

XXXX XXXX  : Incorrect charge-off reporting in violation of FCRA 611. 

XXXX  XXXX : Inconsistent reporting to credit bureaus, violating the FCRAs accuracy standards. 

3. Compensation Request I am entitled to statutory damages for each violation of my rights. Based on the identified issues : Compensation per violation : {$1000.00} ( statutory amount ).

Total violations : 3 Total compensation requested : {$3000.00}.

4. Resolution Demanded I respectfully request the following actions : Immediate deletion of all inaccurate information listed above from my credit report.

Payment of {$3000.00} as compensation for the violations. 

Supporting Documentation I have attached a copy of my credit report highlighting the inaccuracies and violations for your review. 

Closing Please address this matter promptly, as these inaccuracies and violations are causing undue harm to my financial standing. If the issues are not resolved within 30 days of receiving this letter, I will consider further legal actions to protect my rights. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2017-06-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (NJ)

My brother recently passed away without a will. In order to be named as administrator by the surrogate court, I am required to provide a current statement from the bank.   XXXX  I spoke to GS Bank, provided all paperwork requested, and the bank has completely stonewalled me. Although the paper is only a paragraph, they have stated they can not help me without their legal department reviewing this and they will not give me a date when this will be completed.   XXXX  It has now be en 4 weeks,  I have called repeatedly, and I get the same response.
Consumer complaint received 2017-06-16
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. (NJ)

experian has not investgated  XXXX  items on my report that are over  XXXX   years old fro m an alleged medical collection agency.   XXXX  i have no notifcation on the allegedly debt owed and EXPERIAN has missed the 30 day deadline but still remains on my credit report
Consumer complaint received 2017-06-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (NY)

My husband took out a mortgage on our property in XX/XX/XXXX. I am on the deed but not on the mortgage. My husband passed away in XX/XX/XXXX. I paid the mortgage until XX/XX/XXXX. I was never permitted to speak to Ocwen because they said I was not on the mortgage.. When I stopped paying the mortgage and asked for a loan modification, then they spoke to me. Since XX/XX/XXXX, I have attempted to obtain a modification. They constantly say documentation is missing. I get off the phone and immediately refax it to them and the next time they communicate it 's still missing. I was never notified about who my loan was sold to. The borrower is supposed to be furnished with the name, address and phone no. Of the owner. This never occurred. I finally pushed to see who presently owns the loan and was given vague information so we really do n't know who the owner is. Aside from this fact the modification never came through and OCWEN keeps demanding that I sign a family transfer package. They have made no commitment for a modification, so I have been told by my attorney not to sign the papers. Also, I have been a XXXX XXXX and I am well aware that they are stalling and have no intention of giving me the modification. They often call and their reps are hard to understand and leave garbled messages. This co. Is a joke and is scamming the consumer.
Consumer complaint received 2017-06-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (IL)

Received a rebate card for {$5.00 } ( I know  it 's a low amount, but it 's the principle of the matter ) from    XXXX   XXXX   afte r submitting rebate for a pet medicine (   XXXX   XXXX   ).   Card has {$2.00} remaining ( again the principle of the matter ), but physical card expired o n  XX/XX/XXXX . Pe r the CFPB advice on this website, my understanding is the funds should be valid for 5 years, and the issuer should reissue without fees.   I called the    XXXX   XXXX    number of  XXXX , and spoke with the customer service  rep. My car d tracking number is  XXXX . The rep said that they can not reissue the card if the expiry date is more than 6 months. It 's   XX/XX/XXXX   today, so I missed it by 16 days. I quoted your advice on this website, and he still said no. He was quite polite, and was obviously hamstrung by the company policy. I called on Frida y  XX/XX/XXXX , at   XXXX   CDT . I said thank you, and that I would be reporting the issue to CFPB because either  XXXX  is in breach of the CFPB guidelines, or the website is incorrect ( or perhaps my understanding is wrong? ) Anyway, I wanted to report this to you as I 'm sure these companies are making a lot of money, wrongly, off the backs of consumers.   Before realizing that    XXXX   XXXX    was owned by  Blackhawk Holdings, I  had also submitted an email t o Blackhawk Holdings for  another prepaid card that has {$10.00} on it that expire d  XX/XX/XXXX . I do no t expect a favorable response to that email given the information I received from their rep over the phone, so I am adding that card to my complaint as well. Number for that card i s   XXXX  , exp  XX/XX/XXXX , cvv  XXXX .
Consumer complaint received 2017-06-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (OH)

We have received another scam letter f rom Hunter Warfield, claiming t hey are attempting to collect a debt for a company we 've never encountered and an amount we 've never owed. I am well aware how these organizations work in attempting to purchase debts from creditors, manipulating people with similar names into believing they owe a debt that is not their own, and harassing said people until they give in and pay a debt they do not owe. I will not stand for this again! Companies like this should be taken down by the government for their deceptive and shameful acts of extortion.
Consumer complaint received 2024-10-09
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

On XX/XX/year>, I was speaking with a representative of Genesis Credit Management on the phone after a few weeks of them calling myself, my employer, as well as my brother. In a previous phone call, I had asked them to send me information about the alleged debt and attempted to negotiate a smaller amount to be owed. They sent me a very simple list of the charges on the account that included my name, current address, and phone number. That is the only document besides their own invoices that I have ever received from this company. It did not include anything proving that I was legally or contractually responsible for the debt. 
During that phone call, I requested that communication be done over email ( since they kept calling me at work and I wanted a written record of our communication ). The representative that I spoke with was extremely resistant to this request and instead attempted to begin a discount application with me over the phone. I refused to apply for that discount until we had an electronic communication established. XXXX, the representative, seemed to get very annoyed with me for not doing what he wanted me to do. We went back and forth a few times with me refusing to budge on the email subject and he told me that he wanted to take care of this account before it showed up on my credit report. I then asked him if he was threatening my credit score and he got very defensive and agitated. He finally remarked that he was going to mark my account as Evasion of Debt and said " Good Luck ''. The phone call ended a few seconds after that. 

Since then, I have attempted to register on their online portal to see what is owed and if there's any more documentation connected to the account. I have been unable to register for some reason, so on XX/XX/year> I sent XXXX an email asking for assistance with registering. I did not get a reply, so I emailed him again on the XXXX, and then again on the XXXX. They have not contacted me at all in any form since that phone call on XX/XX/XXXX. 

Around XX/XX/year>, this collection has been added to my credit report. They still refuse to communicate with me.