davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-10
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: HUNTINGTON NATIONAL BANK, THE (IA)

When purchasing a car from XXXX XXXX XXXX on XX/XX/2019, I told the finance guy helping me that I only wanted my credit ran through one lender. I was aware that I might get a better rate from somewhere else, but I only wanted it ran once and through the lender I communicated. I never signed any paperwork about running my credit through multiple lenders. XXXX XXXX XXXX ran my credit 4 times when they were not authorized to. I only authorized them to run it once and they did not have my permission to run it multiple times.
Consumer complaint received 2023-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

METRO 2 COMPLIANCE DISPUTE XXXX Data Furnisher XXXX XXXX XXXX XXXX XXXX Date Opened : MISSING XXXX XXXX  Highest Credit/Original Loan Amount : MISSING XXXX FCRA Compliance/Date of First Delinquency : : MISSING INFO Recently I reviewed one of my credit reports and notice there were some inaccurate, outdated, and fraudulent information that will need to be removed. I am a victim of identity theft and several of the items on my credit report is not mine. I have also notice items that OVER HALF THE ACCOUNTS DO NOT MEET METRO 2 compliance standards. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. 
This is a formal dispute of my right as a consumer for removal of all reported inaccurate reporting named in this dispute that is reported on my credit report. Please firmly establish that your reportings are certifiably compliant in its reporting ( s ) as dubious to be of the mandated physically verified validated claims of truth, accuracy, completeness, of a known ownership of responsibility, of adequate timeliness, and or elsewise indubitable in or of its validity unequivocally as disclosed, as indicated! 
To Whom it Concerns, This cite serves as my Lawful consumer request for all claims of collections and derogatoriness be supposed or else wise revealed not only of the federally mandated requirement with the maximum achievable accuracy and maximum likely completion but equally in full accordance with the established standards of ethical lawful reporting. For any potential reported negativity, my demand is for any such still yet unproven allegation be absolute and well corroborated to its utter truth and facts, even certified as such. It is your requirement to have a certifiably compliant reporting process of which adheres to the mandatorily utilized Metro 2 data field formatted reporting standard ( s ).
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

wrong addresses wrong names- Please correct my address to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX. This is my only address. I have no knowledge of any other addresses- Please correct my name to XXXX XXXX XXXX. This is my only name and spelling. No other name exist. I have no knowledge of any other names
Consumer complaint received 2019-06-10
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: ALLY FINANCIAL INC. (IA)

When purchasing a car from XXXX XXXX XXXX on XX/XX/2019, I told the finance guy helping me that I only wanted my credit ran through one lender. I was aware that I might get a better rate from somewhere else, but I only wanted it ran once and through the lender I communicated. I never signed any paperwork about running my credit through multiple lenders. XXXX XXXX XXXX ran my credit 4 times when they were not authorized to. I only authorized them to run it once and they did not have my permission to run it multiple times.
Consumer complaint received 2019-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Transunion presently has three of my student loans listed in bankruptcy, which is incorrect. I have contacted Transunion regarding the issue. They stated they verified the information with the creditor. I have verification documents from XXXX verifying that my loans are listed in deferment and not bankruptcy. The following three loan accounts are listed in Chapter XXXX Bankruptcy : 1.  XXXX XX/XX/2017 2. XXXX XX/XX/2017 3. XXXX XX/XX/2017 The loans are listed incorrectly and should be immediately updated to deferred. Listing these accounts incorrectly has decreased my credit score by 60 points.
Consumer complaint received 2019-06-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

XX/XX/2019 I sold my primary residence in XXXX XXXX, FL. The amount received from the sale was deposited in my HSBC checking account XX/XX/ 2019 I went to the HSBC Bank located on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX to initiate a wire transfer of USD {$100000.00} The wire transfer was initiated from a US dollar account at HSBC Bank to a US dollar account at XXXX XXXX in XXXX XXXX REFERENCE XXXX XXXX BUY REAL ESTATE IN XXXX FROM PROCEEDS OF A SALE OF REALESTATE IN US XXXX XXXX 2019 I was informed by XXXX XXXX XXXX that only USD {$94000.00} was received I sent by wire transfer USD {$100000.00} on XXXX XXXX 2019. I received USD {$94000.00} on XXXX XXXX 2019 The amount of USD {$5600.00} is missing I have called HSBC Bank at least 8 times over a 3 week period The following is my call log and a summary of events XXXX XXXX 2019 I called HSBC Bank. Talked to customer service, XXXX who opened investigation reference number XXXX XX/XX/2019 I called HSBC Bank. Talked to customer service Hani. Hani did not find any notes or reference enter by the XXXX, therefore we started a new investigation XXXX XXXX 2019 I called HSBC Bank. Talked to customer service XXXX  XXXX. XXXX could not find any logs, previous references or anything related to my issue XXXX XXXX 2019 I tried to escalate the case and talked to XXXX the Floor Manager. The Floor Manager called Wire Room Team. XXXX suggested to wait for the Wire Room Team to respond. 

XXXX XXXX 2019 I called HSBC Bank. Talked to XXXX, Floor Manager. XXXX called the Wire department and also suggested to wait. 
Also on XX/XX/XXXX XXXX  Manager created a new complain number XXXX XXXX XXXX 2019 I called HSBC Bank. Talked to XXXX manager of customer department. XXXX created a new case number XXXX. 
The case was submitted to the wire room department. 

XX/XX/ 2019 I called HSBC Bank. Talked to customer service XXXX XXXX XXXX could not find any logs, previous references or anything related to my issue. 

XXXX XXXX 2019 I called HSBC Bank. Talked to customer service XXXX id XXXX. XXXX provided no information. I asked to talk to the floor manager. Floor manager XXXX was not available. 

The wire transfer was executed 3 weeks ago. I called HSBC Bank at least 8 times as outlined above. Sometimes I have been on the phone for over an hour with no resolution. 

Something went terrible wrong. Why HSBC Bank is providing no answers. Where is my money. As of today, the amount of USD XXXX is still missing. 
HSBC Bank consistently provided no resolution to my request.
Consumer complaint received 2019-06-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (OH)

I received a call from a collection company called Hunter Warfield about money owed to a previous home I was renting at XXXX XXXX, a property of XXXX XXXX XXXX They said that I was put in a collection because XXXX XXXX identified damages after I had left the apartment. I never received information about money owed from XXXX XXXX because they said that they were sending in to my old address at XXXX XXXX, while clearly I had moved out, hence the amount they said I owed. Hunter Warfield contacted me on XX/XX/2018, telling me that they will not remove this from my credit report even though I had not received any information. The amount was about {$490.00} dollars. 

The first I had ever heard about this debt was once it was put in collections, and I feel like I was not given proper notice.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-08-13
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. (IL)

On XX/XX/XXXX I disputed a collection on my credit report from XXXX XXXX XXXX XXXX stating that this company does not have a lisence to collect in the state of Illinois and to remove from my credit report. 

Experian the next day updated the credit report with a different address of XXXX XXXX XXXX. No research, no removal. 

I am asking they provide proof of their collection agency license as well as validate the original debt that they claim I owe with signature.
Consumer complaint received 2019-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: VANDERBILT MORTGAGE & FINANCE, INC (TX)

On more than one occasion the credit furnisher has re-aged the date of first delequincy so that the file continues to remain on my credit history as a negative account. 
Date of first delequincy. Is XXXX of XXXX The furnisher has moved it forward to XX/XX/XXXX and recently moved it forward to XXXX of XXXX
Consumer complaint received 2019-06-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

Hello. 

I ordered international money transfer to XXXX via MoneyGram. By the time I requested this transaction, all MoneyGram system in XXXX was down which MoneyGram didnt let me know. My receiver in XXXX went to MoneyGram agents everyday since XX/XX/XXXX. The system is still down. I just called MoneyGram to ask about it and they said that they didnt know because they dont manage all their agents. The money was supposed to transfer in few minutes and thats why I paid extra transaction fee. But its been 10 days. I requested the refund but refund process will take 3~10 business days. I asked them to check their system and how long it will take to recover. However they said they dont have connection with all the agents. I would like to check MoneyGrams policy and their management. If they dont manage all their agents and system, they should not promise instant money transfer and to let their customers money get stuck. It was important and urgent transfer. If they cant transfer that money to receiver as they promised, at least they should refund right away. I dont want this happen to others. Please check this company and let me know. Thank you for understanding.
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: VYSTAR CREDIT UNION (FL)

Pursuant to 15 USC Section 809 ( B ) I'm putting VYSTAR CU on notice that your claim is disputed and validation of the furnished account. VYSTAR CU has not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715.719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. I have a right to this information, as it's directly associated and I'm requesting the following : * Signed contract with my wet signature giving you to contact me in regards to the alleged debt * Purchase Agreement * Evidence that you are a licensed debt collector. * Chain of Title Proof that you are a licensed debt collector to collect in my state. * A requested copy of your State Department of Commerce and Insurance Certificate. * A REQUEST FOR ACCOUNTING REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210s and This authenticated record must include all tax fillings ( including 1099 's 1096 's and 1098 '' s ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as it's directly associated with the reporting. And the following questions and information answered truthfully under oath : 1. Are you the owner or Assignee of this alleged account? 2. What are the terms of the transfer of rights regarding this alleged account? 3. Does a verifiable, bonafide original commercial instrument between the debt collector and alleged debtor containing alleged debtor 's verified, bonafide signature? 4. Did you purchase this alleged account from the alleged original creditor? 5. If so, what was the date of purchase of this alleged account from the original creditor and purchase amount? This is also a notice for you to CEASE & DESIST all Communication and Collection activities in regards to the listed account above with 15 USC 1692c ( c ). Failure to remove off my credit report will result in legal matters being taken and me turning VYSTAR CU into the ( FTC ) Federal Trade Commission for aggravated identity theft, Fraud, and for violation of the FDCPA. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this may be tendered as evidence of failure to comply. In Good Faith Without Prejudice Under Duress By : XXXX  : XXXX. XXXX XXXX XXXX My god said, " I'm under the law and statues, codes, and ordinances doesn't apply in this court. '' An unrebutted affidavit stands as truth in commerce. An unrebutted affidavit becomes judgment in commerce. Truth is expressed in the form of an affidavit.
Consumer complaint received 2019-06-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (NJ)

I'm in the process of cleaning my credit and came across this account in my file. It is saying I owe a debt to which I am unaware. Please provide validation via mail. As per the fair credit reporting act. 
1. Original contract with signature 2. Original bills with breakdown 3. Notarized copy of the purchase of debt 4. Copy of your bond and license to collect in my state.
Consumer complaint received 2019-06-10
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: CL Holdings LLC (MA)

There is this account on my XXXX, XXXX  and XXXX credit files that I do not recognize, the account is showing that it was discharged in bankruptcy but the problem is that I never had an account with this company called XXXX/XXXX, there is no phone number being reported and it says that the account was opened in 2014. I have disputed this account with XXXX, XXXX and XXXX and for some reason they told me that the account was verified as accurate. I know this cant be right because like I said I never had an account with this company. I asked XXXX, XXXX and XXXX  for the original contract that has my signature on it that proves that I opened this account since they are claiming that the account was opened by me, and they cant seem to provide me with anything. By law the credit bureaus have to report the information on a credit file 100 % correct without any errors or mistakes.
Consumer complaint received 2019-06-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC (NJ)

I'm in the process of cleaning my credit and came across this account in my file. It is saying I owe a debt to which I am unaware. Please provide validation via mail. As per the fair credit reporting act. 
1. Original contract with signature 2. Original bills with breakdown 3. Notarized copy of the purchase of debt 4. Copy of your bond and license to collect in my state.
Consumer complaint received 2015-06-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (GA)

I strongly believe rules need to be adopted whereby an invoice, bill or letter to collect a debt should be clearly indicated as such. For instance, if the law mandated that these documents, and only these documents, could be sent in a blue envelope ( thus no more blue envelopes sold in stores ) and that it had to clearly state on the front that it was an attempt to collect a debt, that would eliminate many consumers from inadvertently throwing away bills they were not expecting. 

I 'm writing you primarily because I get several pieces of mail a week that look like bills, yet when I open them they are some sort of solicitation ( sales ) mailing. For instance, today I got something in the mail from my mortgage company that looked like a bill. It said " second and final notice '' and " important information '' ... things that would lead an average consumer to think its a bill. Instead it was a sales mailing to buy mortgage insurance if I lost my job or could n't work. These types of mailings are common and result in people like me throwing away legitimate bills by accident because we get so much junk mail that is styled like a bill. 

Also, you need to do something about the credit rating agencies ( personal rating agencies XXXX. Paying off a mortgage should benefit your score. If an account in collection is paid in full ( perhaps the consumer must make the original vendor whole ), then it should come off your credit report easily. The credit rating system is broken ... I 'm almost XXXX years old, never had I ever not paid something I owed, paid XXXX things late maybe 60 days at worst, and yet my score is barely over XXXX. How is it that mortgage companies have such a different credit score than what the public sites show us? Seems to me like they should be the same. Since credit is our main source to buy things XXXX for most ) and your score only makes your purchases more expensive XXXX APR XXXX, it should hold true that your same concerns about payday loans should be applicable here. Those with lower scores get the worst rates, ultimately paying more which keeps them in financial difficulty. Right now, credit scores do n't accurately reflect a buyer 's ability to pay a debt ... it mainly represents who does n't throw away their mail and is diligent at managing their bills ( regardless of their actual spending / buying power ). What happened to the days where it was simply your debt to income ratio? That makes a lot more sense and you can use a person 's tax returns to figure income.
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

I have applied for a mortgage loan and they are unable to obtain my Equifax credit reports due to the fraud alert and the way they have my name reporting on their file. My name is XXXX XXXX. Equifax has XXXX XXXX and this is not my name. I have disputed with Equifax many time to remove XXXX because that is not my name. Also, I will need to add my contact telephone number to my credit file. 

My correct name : XXXX XXXX My contact telephone number is XXXX
Consumer complaint received 2019-06-10
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Danco Financial Services, LLC (GA)

I have been trying to clear this collection up for some time. i purchased my car in XX/XX/XXXX. in XX/XX/XXXX i was hit by a uninsured motorist. 

While my car was in the shop Danco Financial repossess my car as i had not been paying on the car while in the shop. they subsequently sold the car and charged me for the residual. 

In XX/XX/XXXX, i recieved a 1099 for " cancellation of debt in the amount of {$11000.00} which i had to include as income when i filed my XX/XX/XXXX returns. as a result i had to pay IRS for income i never received. 

Although this debt was cancelled, it is still showing on my XXXX  credit report as {$15.00}, XXXX balance i continue to try to get this corrected. my last attempt was XX/XX/XXXX when i called them. they claim they do not show any record of a charge off. 
I put in a dispute with XXXX, however they were told by Danco that i still owed it so it was not removed, I am reaching out to CFPB because Danco is trying to make me pay twice for the same debt.. 


thank you for your time
Consumer complaint received 2023-06-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc. (CA)

Between XX/XX/XXXX and XX/XX/XXXX I'm XXXX XXXX received a debt collection letter from uscb America stating I owed a debt of {$88.00} I had no knowledge of this debt. I responded to these allegations XX/XX/2023 uscb America was in receipt of my response the same month I have a certified receipt showing proof in accordance to us code 15 section 1692 g I demanded a hard copy of the original signature for validation I received some type of document with a signature that does not belong to me further uscb America is in violation of the HIPAA by furnishing documents of my past visit to XXXX I have documents that XXXX furnished to me as proof.
Consumer complaint received 2019-06-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (CT)

On XX/XX/2019 I contacted Navient to enroll in 6 month grace period due to graduating on XX/XX/2019. Navient said I was not eligibile for grace period and did not explain why. I informed Navient that I work part time for a school and I am currently unemployed because of the summer I can not afford my monthly payments they are demanding me to make. They asked about my co signer I told them my grandmother income changed age can not help me with the payment. I asked for a hardship forbearance I was denied. The representative hung up on me.