davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bridgecrest Acceptance Corporation (GA)

Vehicle was repossessed on XX/XX/2018. I called Bridgecrest ( XXXX XXXX ) to see what amount I could pay to retrieve the vehicle. I was told that I had 2 weeks to pay this amount. When i went to get the vehicle, it had already been sold. I was told it was sold at an auction but i was never notified that the vehicle was going to auction. I also never received a notice of the amount that the vehicle sold for.
Consumer complaint received 2018-09-04
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: Experian Information Solutions Inc. (SC)

I sent letters to the 3 major consumer reporting agencies on XX/XX/XXXX and XX/XX/XXXX asking that they remove or block all accounts and inquiries that were showing as a result of fraud. I asked that if any accounts were verified that the proof be sent to me, my request were not honored.
Consumer complaint received 2018-09-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (CA)

On XX/XX/XXXX I checked the status of my credit report and discovered a new derogotory remark on my record. It was a debt for XXXX cable home services from XXXX. Trident Asset Management is the collection service on behalf of XXXX XXXX XXXX. XXXX bought the debt from XXXX and is now trying to collect from me. I called XXXX 's in house recovery team to locate the original account ( despite knowing that I have never held a XXXX account ) and they verifed that they have never had an account number of XXXX held by XXXX XXXX ( or XXXX ). I contacted Trident Asset Management to dispute the debt, and they requested I provide proof of a different internet service provider. I am still awaiting documentation proving my subscription to XXXX internet services during that time. I have told Trident Asset Management over the phone and in writing that I never owned that debt and refuse to pay it.
Consumer complaint received 2019-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

My mortgage company, Ditech Financial, has sent me a letter advising that they are not going to remove the PMI on my loan until it reaches 75 % LTV. I have previously made a request in writing as well as had an appraisal done by one an appraiser of their choosing. I have a LTV of 80 % and understand that upon my written request, the PMI should be removed. Can you please advise?
Consumer complaint received 2017-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been disputing with credit reporting agencies of XXXX XXXX XXXX account for the amounts of XXXX and XXXX. I 've been a victim of fraud for about XXXX years and every year, I am fighting battle of accounts that not mine. XXXX and the credit reporting agencies refusing to show me my signed signature opening an account or proof of my identity opening this account.
Consumer complaint received 2018-09-04
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. (MO)

I have on numerous occasions filed a dispute for fraudulent information on my EQUIFAX credit report. I'm a victim of identity theft ( 2 times ) and disputed 3 inquires be removed from my EQUIFAX credit report. They have refused to help every time. I have talked to the company that made the inquiry and they closed or canceled any pending applications. The inquires come from XXXX XXXX. Someone tried to open a credit card in my name several times. I was also part of the EQUIFAX breach in XXXX and they still refuse to remove these negative items from my credit report. This is unacceptable and they should comply with my request and remove these fraudulent inquires from my report. EQUIFAX also continues to use a previous address ( 12years ago ) as my current address, even tho when I file a dispute on their website, I use my correct current address. 

I hope someone can help me and I have received no help from EQUIFAX. They continue to deny my request. 

XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card XXXX. 

XXXX XXXX  XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card XXXX. 

XXXX XXXX XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card XXXX.
Consumer complaint received 2018-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

On XX/XX/XXXX, I requested removal of inquiries on credit reports from the following companies that pulled my credit files without authorization or proof that I gave permission. None of the companies responded, I submitted two different disputes with Transunion, however Transunion refused to reply or remove the inquiries. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-11-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF THE WEST (NM)

I pay my bills on time and even provide double payments or triple payments some months to pay my RV off as fast as possible. I verified the ability to do this through my initialloan applicationwhenIpurchasedtheRVandover the years with BOTW representatives. On numerous accounts I was told the following if I make consecutive payments over the minimum balance, the overages would be applied to my principal. I've been doing this with BOTW since the inception of my loan, only to find out that BOTW has been applying my double payments as interest charges. Ive included a breakdown of my account activity using data provided by BOTW and my checking account for information prior to the online records BOTW keeps. I have several months where ZERO percent of my payment wasnt applied to the principal.BOTW website is designed to confuse consumers and squeeze as much finance charges as possible from their loan applicants. I have a number of other loans with various banks who give account holders the option to pay their principal online or work with them to resolve issues with loan payments. BOTW has hung up on me numerous occasions and I wasn't yelling, cussing or acting unreasonable.
Consumer complaint received 2018-10-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (PA)

I have a XXXX XXXX Visa Credit Card provided by XXXX XXXX, I transfer my balance {$7000.00} to three different credit card debts on XX/XX/XXXX. {$1400.00} transfer to XXXX XXXX by Chase Bank credit card, {$3000.00} transfer to XXXX XXXX, and {$2600.00} transfer to XXXX XXXX credit card by Chase Bank credit card again, and the last transfer have failed, {$2600.00} didn't go to XXXXXXXX XXXX credit card, but XXXX XXXX Visa Credit Card balance it been transfer. 
I have call four times customer representatives, first one POOr Attitude, second one very nice give me advice to apply a dispute by letter, third one she is very patience and professional, and last one she put on hold and never answer me again.
Consumer complaint received 2018-10-31
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

In XXXX, I co-signed for a loan for my mother. I signed once, however, I believe multiple disbursements and loans were taken out without my consent. Additionally, the interest rate for this loan is variable and currently sits at 14.75 %. I was NOT informed of the interest rate, or that it would be variable when I signed as a co-signer. Navient has provided misinformation about how I can get off the loan and refuses to lower the interest rate to a reasonable rate and lower the payment. The loan amount has more than doubled since XXXX, even though the loan is being paid. I spoke to Navient today ( XX/XX/XXXX ) and they still continue to deny our request for a lower interest rate ( from 14.75 % ) and they refuse to lower the payment ( currently over $ XXXX/month ). We need help!
Consumer complaint received 2016-06-30
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: MCLEAN MORTGAGE CORPORATION (VA)

We dealt with McLean Mortgage and XXXX XXXX was our loan officer. We had to pull out of our contract and loan to buy a home due to personal emergency reasons and with that being said, instead of respecting our decision, she took the matter into her own hands by calling my husband 's Human Resource department multiple times asking about his job security. XXXX XXXX was in no position to do this. This was not her place to do that. By her doing this, she made my husband 's life at work a lot tougher and much much worse than it was. XXXX yelled at my husband and cursed at him and told him that he was full of XXXX and that we were both acting childish. This is not how you speak to another human being, let alone a XXXX woman. She also said, '' why do n't you just get the house, and if your husband loses his job, after a month or so, just get a new one! '' By her telling us this, this lady should not be a loan officer anymore because this tells us that she has written up many loan applications to people that ca n't necessarily afford it, has no integrity and she degrades people and is absolutely awful to the clients.
Consumer complaint received 2016-05-06
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: URS Holding, LLC (NJ)

I am a XXXX and a single parent who makes only XXXX an hour. I have been trying to get on a payment arrangement and they keep denying my request. On both my XXXX and XXXX credit report, the collection company by the name of Enterprise Recovery Systems, is claiming that I owe {$24000.00} which is all incorrect. The only amount I can pay them is {$25.00} a month. The first time they notified me about this debt, I took the time to respond within the 30 days granted to the consumer to dispute the validity of the said debt. I even called and spoke to someone and was told that if I made a payment that it will not be reported to the credit bureaus. All I can afford is {$25.00} a month. I was threatened and told that all they can accept is {$250.00} a month. They keep calling and harassing me. Disguising their numbers as if they are calling from NJ. I even lost out on a government job offer because of this. These people are damaging me and causing me emotional distress.
Consumer complaint received 2016-02-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Rushmore Service Center, LLC (SD)

Since I have n't had debt to anyone for over the last twenty or more years I 'm concerned about the frequent calls from Rushmore Service Center # XXXX in XXXX XXXX, SD, a third party collection agency that gives me at least four calls a week. I have no need to answer the phone from them, a quick look on XXXX tells me who they are. The calls from them have been going on for several months now and they need to stop. I suspect they have the wrong number and need to correct their file.
Consumer complaint received 2016-01-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

I am a victim of IDENTITY THEFT. I have notified the XXXX CA. PD on XXXX XXXX XXXX. XXXX Investigator in Fraud Dept deemed the account as Fraudulent with Identity Theft. I TOLD Equifax in XXXX XXXX -- 8 MOS. AGO THAT THE HARD INQUIRIES FROM XXXX AND COLLECTIONS ACCOUNT WAS FRAUD! I am reporting Equifax to CFPB govt office for not properly verifying ANY FRAUDULENT activity despite my several DISPUTES! Equifax kept saying " the account has been verified ''. If a thief has my SS, name and Date of Birth, of course that fraud is going to be 'verified '. BUT when I told the CB that I DID NOT own or have an account with XXXX, Equifax insisted the account was MINE and LEFT THAT ON MY CR wrongfully! Now I need to buy a car and I CAN NOT because those criminals also used my identity to do several other fraudulent activities, which Equifax may have helped me catch that but instead also left on my reports! I am angry because Equifax DOES NOT VERIFY ANYTHING despite what they say! I now am suffering the consequences and can not buy a car I so desperately need. DO SOMETHING CFPB you are the govt offices that can impose fines for reckless credit bureau reporting!
Consumer complaint received 2015-04-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (HI)

Equifax shows public records that I had Federal and Hawaii tax liens fied on XX/XX/XXXX These liens were the result of my incorrectly filing returns ( missing information ). The state lien was filed automatically becuse of the Federal lien. After contacting the IRS and filing an ammended return from XXXX, it was determined that no tax or penalty was due and the " bottom line '' on XXXX returns was correct - {$0.00} tax and/or penalties due. The IRS released their lien on XX/XX/XXXX. I was in contact with the XXXX tax office ( from XXXX ) and sent a check to cover the expense of releasing the lien. After talking to them today, I discovered they had sent me some additional information by mail ( not to my residence ) that I never received. The result was that the Hawaii Tax lien was n't released until XX/XX/XXXX. 

After being denied credit because of " derogatory information '' in public records, I obtained this information in XX/XX/XXXX. However, this derogatory information - tax liens - were for taxes that were never owed, and still remain on my credit reports. The tax agency says it only releases the liens after being paid a recording fee, etc. and I never responded to the mail that I never received. So, I am paying more for credit because of the liens that never should have been filed, and there is no way to remove them from my credit report. I believe these liens should be removed from my credit report because I never owed any debts, additional taxes or penalties. But the credit agencies keep this derogatory information on my record for XXXX years. I request that these leins be immediately removed because, they are there to alert credit providers of records of not paying owed debts. There were never any late payments made or due. There are no other derogatory items in my credit report, so it is not fair to continue to penalize me until XX/XX/XXXX for a lien that should have been removed and not only " released. ''
Consumer complaint received 2016-05-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NJ)

EQ - had confirmed by way of my previous disputes ( XXXX XXXX ) that a CLOSED or PAID/CLOSED Tradeline, can not and should NOT have an Activity Designator = NA. 
Although I have disputed " this '' item at least 4 times previously, I am simply reminded of willful noncompliance. 
Because EQ is attempting to take my complaints from the CFPB site, I offer the following - once again. 
I hereby acknowledge that I am the author of all data within this complaint, and I am the owner of all accounts identified within this complaint. I am the author of all text within this complaint - as well as the intellectual owner of the identified data issues on my file. There is no credit repair agency involved, simply myself - a consumer who is being educated through all of this activity. 
I, as an American Citizen - have an entire right to have this dispute, heard, managed and resolved through this portal. Prohibiting my right, by again stating something you know, and have been told numerous time previously to be false - is prohibiting me of my rights. 
I do not, and am not disputing ownership of the Tradeline contained in this dispute. Assigning that as the issues, and then responding to this Dispute ( number XXXX ) simply adds to the number of attempts I have made, to have you EQ - resolve this item. 

XXXX XXXX - Account XXXX 1. This account is CLOSED. 
2. XXXX XXXX has NOT submitted a record update since this Tradelines Closure ( 2008 ) XXXX. The Tradeline has an Activity Desinator of N/A, and can not - as it is closed and has been closed since 2008, Please update this account to PAID/COSED XXXX. This account then, lacks it pay history for the duration of time in which it was open, AND IS INCOMPLETE. Please publish the Tradelines full payhistory. 
XXXX. This Tradeline then lacks its balance history for the duration of time in which it was open, AND IS INCOMPLETE - Please publish the tradelines full Blanace History 6. The " Months Reviewed '' is inaccurate, and then impossible based on the factual date open/date closed - the account was not open for 73 months - that value was generate - is generated by your system using the Open date and that Activity Designator that has been wrong for over 8 years. Please fix the actual duration of this tradeline. 
Although this is my oldest tradeline, and because it remains incomplete, and inaccurate on my file for 10 years - Either Verify the entire Tradelines details and fix/update the record to be complete and with correct pay and balance history, or DELETE this incomplete and then inaccurate Tradeline,
Consumer complaint received 2015-09-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

I attempted to make a payment using XXXX who without my permission established a credit line for me and made a hard inquiry to Equifax without my permission and XXXX notified me that they put that inquiry on my credit report without my permission and told me they are unable to remove it without XXXX telling them to. In turn XXXX tells me there is nothing they can do about it.
Consumer complaint received 2015-03-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (GA)

Disputed this collection on XXXX and it was Verified Accurate in XXXX-3 business days on XXXX. 
1. This account was removed before as it is not my account. 
2. I have no knowledge of this account. 
3. I followed up with my XXXX XXXX XXXX who advised I am not in collections and do not have a current balance. 
This debt is frivolous and should be removed immediately. How can an item be disputed and verified in 2 business days? What is the process for verification? What information has the collection agency provided that this collection is valid and in my name? How was I able to have XXXX service if this collection is stating have an over due collection balance of XXXX. XXXX? 
Please remove this debt.
Consumer complaint received 2015-10-14
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Pressler & Pressler, LLP (NJ)

Pressler & Pressler took 100 % of the funds from the bank account of a friend who let me use their account XXXX years ago to cash my unemployment. They will not give his money back until her proves to them it is his money!! I have been unemployed for XXXX years, have no home or belongings. They sent me a notice back in XXXX 2015 that they were collecting the debt and I wrote back that I disputed it. No communication since then. Then they took the funds and when my friend asked the bank what happened, they gave him a copy of the writ. It looks fake. I contacted Pressler and Pressler and told them what they did was wrong, and they were evil. They said that they would not give back the funds until my friends proved it was their account. They requested 3 months of their bank statements and deposits. They supplied them and P & P still denied refunding their money. My friends have asked me to leave their home, in fear that P & P will go there next and try to take their belongings saying that they are mine and making them prove otherwise. This is just horrible and they need to stop. Please help.
Consumer complaint received 2016-06-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MD)

I had a past due balance from child support enforcement reporting to all XXXX agencies. This was paid in full in XX/XX/XXXX and updated on my credit reports in XX/XX/XXXX ( removed from both XXXX and XXXX ). I contacted the child support enforcement agency to confirm that they also sent updated information to Equifax and was advised that they did. I disputed the information to Equifax and advised that the balance is incorrect and the payment information was also incorrect. I attached a copy of my current account statement and requested investigation. Equifax advised that they investigated and found a past due balance and last payment information. Both are incorrect. I do n't believe they investigated at all. The past due balance that they claim was updated is exactly the same as it was when I filed the dispute. They are also reporting this account as a collection account. I have no collection or past due or arrears balance with child support and in fact, due to the way my order is structured, receive a refund for overpayment in the amount of {$25.00} every single month. Equifax is not correcting the information, and as I stated, I do n't believe that they investigated this at all, or they would not still be listing a collection account or at the very least would have corrected the past due balance. I have attached the same document I sent them.
Consumer complaint received 2016-03-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

Equifax re- inserted a previously deleted unknown public record account and a bofa account from my credit. I am not sure where they get their information from but my file with this bureaus contains false and misleading information. BK Reference Number XXXX need to be removed and XXXX account number XXXX.