davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-22
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I stand up and raise my right hand to XXXX that I am XXXX XXXX, the real XXXX XXXX with no assistance from anybody else.I XXXX XXXX was entered into credit transactions that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by the baddest people on the dark web. If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ) .I bet y'all can't do that huh? If I consented to these inquiries, then please have a senior executive certify under the penalty of perjury that I in fact consented to these inquiries in writing under 15 USC 1681B ( a ) ( 2 ). I will sue y'all so good if he tries to lie on me just so yall know. I understand that under 15 U.S. Code 1681c2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information RESULTING FROM identity theft within 4 days of receipt of this letter. y'all need to do it asap because y'all playing with my credit score out here. Having these False and misleading inquiries reporting to my credit report is very damaging and is killing my ability to purchase a new car so I don't have to catchh the bus no more. Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report. As a consumer these accounts on this letter must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Also I have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, Better business bureau, and federal trade commission so you know it's not a game. I want you to XXXX out alleged balance. Report positively to all consumer reporting agencies. Compensate me for double the amount of my finance charge pursuant 15 usc 140 and release my title lien free. I also want compensation in the amount of {$1000.00} per violation for all the damages that I received to 15 USC 1681n.This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT OR INQUIRIES
Consumer complaint received 2021-04-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Solidifi US, Inc. (TX)

I was working with my mortgage company to do a cash out refi on our existing home. We signed documents on XX/XX/XXXX at a title company locally as required by Texas law. On XX/XX/XXXX the loan still had not funded, even though we had passed our 3 day right of recision period. At that time we received an email from Solidifi Title asking for new signatures on a closing disclosure that we had already signed at the in person closing. They wanted original signatures which werent possible since we dont have a printer/scanner. I asked for guidance on another solution and did not receive response until the following day. On XX/XX/XXXX, I received an email asking for wiring and bank account numbers for the funding account as the account had a different set of wiring instructions than what is on the check. I tried calling the individual, and the phone was not working. I responded via email that I would not provide account information via email as its not secure. I called the mortgage broker at XXXXXXXX XXXX to also inform them of the problem. XXXX was very helpful and worked to get my updated information to the closer. The loan did not fund my account until the following Monday XX/XX/XXXX. My payoff of the old mortgage should have occurred on XX/XX/XXXX, but did not occur until XX/XX/XXXX. This cost delay cost me 5 days worth of per diem on the old mortgage which should have been returned to me, interest on my cash out that would have been sitting in an interest bearing account, and I believe extra days on per diem on my new mortgage. I am beyond frustrated with the actions of this title company and their incompetence.
Consumer complaint received 2021-04-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

Back in XXXX, I started the dispute process with the three credit bureaus after identifying a couple of items on my credit report that were incorrect. After not having much success and feeling hopless, a representative of one of three bureau mention that I need to file Identitfy Report if I felt that this was a fraudulent account. I've have since filed a FTC and a police report and sent the information to the major bureau. Thinking this was going to help my situation I find out that that FCO still remains on my credit report. I spent over three weeks trying to get answers, just to find out that FCO is still reporting verified as accurate. 

I then sent an certified letter on XX/XX/21 to Fair Collection and Out ( FCO ) XXXX XXXX XXXX XXXX, XXXX, MD XXXX asking if they could provide me with a copy of signature on application with my name, proof I gave them permission to report to the credit bureau, payment history where I made payments to them. So I truly find out if some one actually stole my identity. As of XX/XX/21 I still have not gotten any response back. I'm at a lost of words and I have no idea what to do. This is my attempt to see if any of my rights are being violated. I sure hope that it don't take another 45 days before I here any word back. I've attached the letter that was certified over a month ago with still no response,
Consumer complaint received 2021-04-22
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. (NC)

I recently sent a dispute letter to XXXX, XXXX, and Experian on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Consumer complaint received 2021-04-19
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: VW Credit, Inc (NC)

My lease effectively ended in XX/XX/2020, however I extended the lease because of COVID verbally over the phone for another 3 months. I continued to pay the same monthly lease payment as I had throughout my lease term. I was told on the phone that even after the lease expiration I could keep paying monthly payment and keep the vehicle. 

Because of XXXX it was easier to keep the vehicle than explore buying a new vehicle, so I just kept making payments. In XXXX of 2020 I actually came down with COVID. VW Credit was trying to contact me, but because I was sick I wasnt responding. Then out of nowhere on XXXX XXXX  VW Credit repossessed the car, not for non payment, but because the lease had expired, however they were still taking my payments. 

So to recap, VW Credit repossessed the car during COVID, while I was sick with COVID and it wasnt for non payment. 

The vehicle was about XXXX under the mileage allowance for the lease term and I just received a XXXX deficiency bill from VW Credit.
Consumer complaint received 2021-04-21
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Southwest Mediation Service (OH)

Received a voicemail from southwest mediation service regarding a civil action suit against me on XX/XX/XXXX, called them back immediately and they stated that i owed them money for a magazine subscription service from XXXX which they claimed was largely unpaid. I never signed up nor received any magazines from anyone or anywhere during that time. They stated that i would have to pay a larger sum of money if i did not settle the civil action suit against me today. When asked to speak to a higher up they stated that we could not speak to a higher up and when asked about the company address and other information so i could verify the legitimacy of the civil action suit they stated that they could not give out that information. On the XXXX XXXX XXXX website, they have a XXXX XXXX XXXX, When on the call with the company i asked them to send me an email regarding the civil suit and the XXXX XXXX listed on the email i received was not the same as the one listed on the XXXX  website. The individual who i spoke to was highly unprofessional and used vulgar/inappropriate language. They claimed to be someone named XXXX and said they were the only person we could talk to. However on the XXXX site, there's several names mentioned and none of which XXXX, They claimed to be the only " Mediator '' that worked for the company and that the only other worker was the front desk secretary. When further asked regarding the legitimacy of the civil suit, they stopped responding altogether and began breathing heavily. The business 's XXXX XXXX are located in Nevada however there is no registered company in the state of Nevada with the name stated above. The " Mediator '' also refused to show the contract i supposedly breached and claimed i would only get to see it if it went to the courts and/or " Legal '' as the " Mediator '' referred to it.
Consumer complaint received 2021-04-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MA)

I am seeking help with an issue I am having with Carrington Mortgage. My loan was purchased by Carrington in XXXX and a few months later we ran into financial hardships. We asked Carrington for assistance and were placed on a hardship plan to help us keep the home. Our understanding was our missed payments were going to be added onto the end of the loan.

I have called a multiple times to inquire as to why the payment was going down so slowly and why I was still paying PMI after 10 years. This has caused a financial hardship as my credit rating can not be improved because it looks as if I have been paying a mortgage for XXXX  years and have only paid off 6 % of the loan. When I called to discuss this with Carrington they stated that we in effect repurchased the home in XXXX and my new loan discharge date was XXXX. I informed them that they had charged us more for the home than we originally purchased it for and our equity in the home had been taken. They stated that I did not purchase the home until XXXX or XXXX. I explained that I had purchased the home in XXXX and we have been living here since then. This has caused my wife and I to have a low credit score as it shows my home was purchased in XXXX for XXXX and I currently owe XXXX. I have called in the past to ask why I am still paying PMI. Recently I asked for the originating papers to be sent to me which showed the home for XXXX. I called back and was told I took out another mortgage in XXXX on the home for XXXX. I asked for the papers to be sent to me from XXXX and the papers with my signatures are not the papers with the amount stating I owe the new amount. I was told My PMI was falling off in XX/XX/XXXX which would be 5 years from XXXX. Also at no point has Carringtom reported the credit bureaus any other amount besides the XXXX, I feel I should be much further ahead in my payments and the principle should be drastically lower. I went to refinance and was informed Carrington is not licensed in Massachusetts anymore. I then went to another mortgage company who directed me to the attorney general 's office and stated I should continue to resolve this issue with Carrington because it could cost me a lot of money since we have already paid so much toward the home, I am going to attach paperwork I have in regards to this issue. I was directed by the Attorney Generals office to reach out to the consumer financial protection bureau first. Any assistance would be greatly appreciated.

We requested paperwork from Carrington and the paperwork with our signature did not mention a new amount and pay off date. One of the paper stated we had a new amount and pay off date but this paper does not have a signature and neither my wife or myself had seen this paper before. We would have let the house go before we lost all our equity and paid more than the original loan. Requesting hardship assistance should not cause a greater hardship and add 7 years to a loan.
Consumer complaint received 2021-04-21
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. (FL)

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Consumer complaint received 2021-04-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (TX)

My accounts were closed without notification. I called to resolve issue and was told that they were not at liberty to disclose to me the reasoning for closing my accounts. 
I appealed the restriction and was denied and again appealed without knowing the reason for the restriction.
Consumer complaint received 2021-04-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (MA)

I had no collections for months on my account and out of no where this collection is on my report. I have no knowledge of this account. I already had this deleted recently and now its back again damaging my credit score. I have no contact. No mail trying to collect debt. No reach out. Just reported randomly. No detail information on why I owe debt and no specific dates.
Consumer complaint received 2021-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (NJ)

Sears Credit card ( owned by Citi Bank ) has failed to provide XX/XX/2021 statement. 
I have requested several times of XX/XX/2021 credit card statement, Sears replied it sent out the monthly statement in XX/XX/2021, however, I haven't received it. Then, it tells me that it would send out another copy on XX/XX/2021. I still haven't received the statement.
Consumer complaint received 2021-04-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (TX)

I was laid off in XX/XX/2020 due to covid and fell behind in making my payments to XXXX XXXX XXXX XXXX ( now sold to a collection agency I C SYSTEM ). I notified the company and tried to make small payments out of good faith. I've asked them to stop reporting late payments and they refused. As a result, they continued to report my payments late and my credit score has decreased. It's not that I don't want to pay them. Due to Covid and the loss of income I have been unable to. Please help, as I would like to purchase a home and this has had an adverse impact to my credit score.
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A. (GA)

I have submitted several disputes to the credit bureau and credit card company ( Citi Bank ) regarding a fraudulent account that is being reported to my credit file. However, neither one of the companies have taken the proper steps according to the FTC statue with removing the account from my credit file.
Consumer complaint received 2021-04-22
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: Resurgent Capital Services L.P. (IL)

Viewed my credit report and noticed that the same accounts that I previously submitted a complaint about is still on my credit report. I am a victim of identity theft and these accounts are fruadulent and does not belong to me. This process of trying to get my life back on track is becoming overwhelming due to these negative remarks that are on my credit report. These discrepencies that are on my credit report are holding me back from moving forward so I am asking that this problem be resolved as soon as possible.
Consumer complaint received 2021-04-22
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. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SS : XXXX DOB : XX/XX/1990 Account- XXXX XXXX XXXX Account # XXXX After Moving from XXXX , XXXX  to XXXX , XXXX I recently reviewed my credit report in order to obtain a mortgage on a home and I noticed several inconsistencies and inaccuracies regarding the account XXXX XXXX XXXX. These can not be accurate. The name on the account is not me. I am XXXX XXXX NOT XXXX XXXX. Also these accounts appear to be furnished by the same creditor so why is all the provided data different? Delete ALL information regarding this account from ALL credit reporting agencies WITHIN FIFTEEN 15 CALENDAR DAYS you are required by federal law to verify - through the physical verification of the original signed wet-ink consumer contract with my signature on it- This is NOT a request for verification or proof of my mailing address Now, I respectfully request that your office ( s ) provide me with competent evidence that I have any legal obligation to pay this debt PLEASE DELETE IMMEDIATELY
Consumer complaint received 2021-04-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I recently check my credit report and noticed a fraudulent account has been opened by capital one card under my name. I contacted capital one and they said they will close the account and remove the fraudulent account from my credit report which they have not done so at all. This is very frustrating because they are trying to collect a debt that is not mine and is a result of fraud. I am demanding that they close this account and remove it from all 3 ( XXXX XXXX XXXX ) of my credit reports immediately.
Consumer complaint received 2021-04-22
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. (NJ)

I have 4 Hard Inquiries on my EXPERIAN credit report that I do not recognize, I had send multiples certify disputes letters to Experian to remove these hard inquiries from my report and they never contact me back about this. Also I call them true their Fraud department to try to fix this and they treath me very rude. 

I have an extended fraud alert on my report and Experian knows this very well. 
I request that Experian delete these below mention hard Inquiries from my report as soon as posible. 

* XXXX XXXX /  XX/XX/XXXX * XXXX XXXX  XXXX / XX/XX/XXXX XXXX XXXX XXXX XXXX / XX/XX/XXXX * XXXX XXXX /  XX/XX/XXXX IF IN 30 DAYS EXPERIAN HAVE NOT DELETED THESE 4 INQUIRIES I WILL FOLLOW WITH A LAWSUIT AGAINST EXPERIAN IN A SMALL CLAIM COURT IN MY DISTRICT.
Consumer complaint received 2021-04-21
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

In XX/XX/XXXX, I was having trouble getting refinancing on our current home mortgage with XXXX XXXX. I spoke with several lenders and they said our payments were showing late for many months. I pulled our free credit report and sure enough they are showing I was late for so many months. I pay our mortgage 2x a month breaking out the payments based on our pay periods. I have been doing this for a couple years now as jobs have changed. In XXXX we filed for a hardship program and we were awarded this program. They told us that we wouldn't be reported to the credit bureaus if we complied with all guidelines. Which we did. It is still showing on our credit report that we are 120 days late which isn't true due to the program we followed, this raised our interest rate and pushed the loan out 3 months longer. 

XX/XX/XXXX when Covid hit NC I was furloughed and had to go on unemployment. Took a few weeks to get that up and running, in the meantime my husband was working so it took a little longer to pay the mortgage so yes we were a little late on that one.

We didn't file a Covid 19 hardship issue as that wasn't the case for us we were able to stay on track. The mortgage is always paid with in the month and if after the XXXX the late fees are paid as well and we were putting an extra XXXX down on principal. 

On XXXX XXXX I sent them a letter after I spoke with them and they told me either to write or fax why we need this corrected on our credit report. 2 weeks later we get a response saying they report according to the fair credit reporting act. ( Thats XXXX ) I looked at all 3 agencies, and XXXX doesn't even show anything but 2 mos of XXXX, XXXX shows many late payments past 30 days, Equifax has missing months. They don't report correctly at all and not fair. I pulled my bank info as I send the payments the day of payday they are wired to them via the bank and there isn't a missing payment in each month. When I pulled their payment statements, it doesn't match mine and all I see is applied to ie : XX/XX/XXXX? I want this corrected. We are in the process of selling our house and need to purchase a new one. This company are crooks, I didn't ask for them they took over our original mortgage when we purchased this in XXXX. They don't respond when you call, all you get is send letters.. They don't communicate and they are rude..
Consumer complaint received 2021-04-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (SC)

Midland Credit Management XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Re : Acct # XXXX Midland Credit Management has failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. No accounts from XXXX are reported on any of my credit reports. Just listed by Midland Credit Management