davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

Equifax does not deliver credit reports via XXXX. The request always crashes and the consumer gets a message that the report can not be delivered online and must be delivered by mail. This is designed by Equifax to make the consumer endure the hassle and time delay of requesting the report by mail or forcing the consumer to BUY the report online. This is by design. Yes, it is.
Consumer complaint received 2018-12-17
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. (MO)

There's accounts on my report that I'm requesting to be blocked and/ or removed due to the simple fact that the contracts with these companies has been cancelled, therefore there's NO CONTRACT, inwhich I'm obligated to, nor is the accounts rightfully mines. In accordance with the FCRA laws, the creditor and/ or reporting agencies shall provide the consumer with certified physical documentation of such accounts. Please remove the following accounts if you can not provide documentation. XXXX XXXX XXXX, XX/XX/XXXX, {$11000.00}, ... XXXX, XX/XX/XXXX, {$730.00}, ... .XXXX  XXXX , XX/XX/XXXX, {$0.00}, ... .XXXX XXXX  ,XX/XX/XXXX, {$17000.00}
Consumer complaint received 2022-01-22
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. (UT)

I am filing this complaint against XXXX XXXX XXXX. They negatively reported to my credit report and the other borrowers credit report saying we missed a payment while we are in forbearance I started a dispute with all three credit reporting agencies regarding this on the end of XXXX, but XXXX XXXX XXXX informed the credit reporting agencies that they are not going to remove this missed payment and that the information they reported is accurate. ( letter attached. ) XXXX XXXX lending claims that we missed a payment on XX/XX/2020 in this letter. This was false since the servicer at the time was XXXX XXXX and the letter attached shows that they never reported a missed payment for XX/XX/2020 or any other dates as I was never late.
Consumer complaint received 2018-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I purchased a condo in XXXX County, Ohio XXXX in XX/XX/XXXX. Since that point, my Mortgage lender, Huntington National bank has not paid any of my county taxes due in XX/XX/XXXX or XX/XX/XXXX, and my mortgage states that Huntington is responsible for that. Huntington has,  However payed over {$13000.00} out of my Escrow, ( making it over {$10000.00} net negative ) to 4 parcels that I am not, and have never been associated with. On XX/XX/XXXX, I saw my mortgage statement increased from my regular {$400.00} to {$2600.00}. I contacted Huntington mortgage department on XX/XX/XXXX, spoke with XXXX, who discovered that those 4 parcels being paid from my escrow did not match my name or address. She also noted that my parcel was not listed. She told me to call back on XX/XX/XXXX for resolution. I have since spoken with multiple other people from Huntingtons tax department, including Supervisor ( name available ). They are continuing to do research but still do not have a resolution. At this point, {$2600.00} is scheduled to come out of my checking account towards my mortgage, due to Huntingtons error. And my county taxes are still delinquent, but huntington has verbally told me they will cover all penalties and fees associated.
Consumer complaint received 2018-12-17
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. (FL)

**PLEASE READ** THIS IS NOT A DUPLICATE. 

Santander says XXXX  changed the account status to " Closed '' on my credit report because there was an open investigation. They told me to contact XXXX. XXXX  told me that they did not change the status, but Santander is responsible for reporting the correct info to them. They opened up a dispute for me and sent it to Santander, but it came back as verified as accurate. See two screenshots. 

SANTANDER, PLEASE REPORT TO TRANSUNION THAT THE ACCOUNT IS STILL OPEN, AND UPDATE THE BALANCE. THIS IS AFFECTING MY CREDIT SCORE. THE PERSON WHO HANDLED THE VERY FIRST CFPB COMPLAINT FIXED THE STATUS AT XXXX, SO IT IS POSSIBLE. THE STATUS AT THE OTHER TWO BUREAUS IS CORRECT SO PLEASE DON'T CHANGE THOSE.
Consumer complaint received 2018-12-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I received several collection notices from XXXX ( XXXX  XXXX XXXX ) and responded immediately to dispute the alleged debt. I asked for the documentation relating to the alleged debt ( actual bill, signed copy of any document that obligated me to become indebted to the creditor, proof that XXXX owned the debt, and registration and licensing documents showing they are registered with the State of Florida to lawfully collect debts in the State of Florida as required pursuant to Florida Statute 559.715 ). XXXX refuses to send the documents, including the licensing and registration documents showing they are legally operating in the State of Florida ( XXXX is located in Ohio ). XXXX has admitted they don't have the licensing or registration in the State of Florida. 
In each of my responses to XXXX  I continue to ask for the above mentioned documentation yet they refuse to produce them. 
Can you please look into this company 's practices. Thank you
Consumer complaint received 2018-08-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (NC)

I just recently started getting calls from this company, when they call they do not identify the company they work for and they do not tell me what they are calling for they just say debt. I am at work when they call, I asked them on XX/XX/18 to cease calling me and to make all attempts to contact me cease. I have not gotten any letters for collections owed in the mail and i have lied here for 5 years. They keep calling me, repeatedly and I am now making this a formal request to cease contacting me, I will make complaints with the XXXX and the FTC if this keeps going on.
Consumer complaint received 2022-02-15
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. (CA)

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX EMPLOYER : XXXX  XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2018, I purchased a trip to XXXX using a Capital one XXXX card for the amount of {$2700.00}. I used the card because I believed that charging the balance on a capital one card would protect me if I had to dispute a charge. That is what their card promised. 

The trip was a nightmare and I face discrimination, abuse and isolation by the tour leader and XXXX  company. When I returned in XX/XX//2018 from my trip, I contacted Capital one to dispute the charge, I sent a 2 page letter and pictures showing proof of my dispute. I called weekly and spoke to customer service, managers and finally I wrote to the CEOs of Capital one to get help. According to capital one, I had a valid dispute but they refused to reverse the charges because they wanted another travel agent to collaborate the claims. When I told them that I did due diligence to obtain a report from another travel agent but no one wanted to write a statement nor have they ever heard of such request. I became discouraged when I realized that Capital one did not want to help resolve this dispute and hid behind a wall of deception. I continued to make payment on the card but knew that what they said was false. They do not help with disputing charges and they take the merchant 's side in disputes. 


Please see the letter enclosed to Capital one in XX/XX/2018.
Consumer complaint received 2017-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

There seems to be a problem with the Credit Reporting Agencies. I submitted a complaint because they we 're not reporting my balances and accounts as they should. Now they have added the accounts that I have paid my balances to XXXX, and my credit score has n't increased. I have gotten my balances way below 30 % and my credit score has stayed the exact way. I have paid off 4 credit cards to XXXX balance, and my score has n't changed. I am beginning to feel that there is some sort of discrimination going on with the reporting agencies. I had 4 credit cards that are now XXXX balance why has n't my score changed. When I was over my 30 %, my score dropped almost 85 points. Now that I have those balances below 30 % my score is still showing no increase. I need this investigated, this is becoming very frustrating. I do n't trust this system what so ever, I have done my part, and this system is not doing it 's part. It is very disappointing, especially if I am working very hard to keep my debt balances low. I will be finding a lawyer, according to the Fair Credit Reporting Act. I will sue XXXX, Transunion, XXXX XXXXXXXX XXXX and whoever. This is causing so many problems on every level. I am going to be purchasing a home, and they are not fairly reporting and increasing my score as it should My score should be increased to almost 80 points. I 'm tired of what 's going on, and I will be seeking legal representation on this. Please help me, CFPB. If you see my attached document, my score was at XXXX with Transunion before they added all of my accounts that I paid down to XXXX, and when they added these accounts, my score has n't changed it is still the same. Also for XXXX it has n't gone up hardly any points after paying 4 credit cards to XXXX, and XXXX this is so frustrating.
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Equifax ; XXXX  and XXXX  should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2022-01-22
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: EQUIFAX, INC. (LA)

Hello there are accounts and inaccuracies on my credit report. I reviewed all 3 reports and when I noticed the issues I reached out to Equifax, XXXX, and XXXX. I sent a total of XXXX letters letting them know of my request for correction and deletion. Not only have they not done this they continue to send me a computerized response of validation. I am the sole " person '' that can validate anything on my credit file per 15 USC 1692 ( g ). I am also the one who must give my written consent giving the credit reporting agencies authorization to furnish my credit report in the first place per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer. The consumer law violations are overflowing at this moment and this is my last attempt before the courts are involved and my invoice for monetary payment is mailed. I am fully aware that NO court system provides any type of court filing of bankruptcy or record also. Where are you actually getting the record from and what authority do you have to give that information? I haven't even filed BANKRUPTCY but yet there's one on my credit file I have to fight to get off when law says I have the right to get anything off of my report.
Consumer complaint received 2015-08-20
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

In 2006 I applied for a home equity loan from XXXX XXXX Bank. XXXX XXXX Bank committed fraud in the origination of this loan because it charged me more fees as an XXXX than that of XXXX borrowers. XXXX XXXX was sued by your agency and paid a settlement. RBS Citizen bought the fraudulent loan from XXXX ( XXXX XXXX Bank was acquired by XXXX ) and now is suing me to collect.
Consumer complaint received 2017-04-10
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ENCORE CAPITAL GROUP INC. (NC)

Thank you for taking the time to review my file and to help me with this matter of dealing with Midland Credit Management. To date, XXXX has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year XXXX has had to pay close to one million dollars in fines and penalties due to their unlawful business procedures which violate the consumer 's rights. Their illegal actions have caused thousands upon thousands of consumer 's credit files to be tainted with negative remarks which includes myself. Please remove Midland Credit Management from my file so that I can restore my credit and good name back to where it once was. I thank you one again for your time and I look forward to having Midland Credit Management removed from my credit file. 

I have made 2 payments to Midland Credit management in an attempt to settle my debt after negotiating a lesser amount. They told me that the payment plan was voided due to non-payment. I can provide documentation showing that the charges removed from my bank account. I was then told that I could re-negotiate for a larger amount the initially agreed upon. 

After I told them I could prove that the payments were made, they changed the excuse and told me that I made a call on XXXX/XXXX/2017 requesting to void my contract. I asked them to review the recorded call and they would not. I ask the account manager to go back and listen to the call, as I never requested to void my current agreement. 

The company is now claiming I must pay off the debt in full, and have re-opened the closed account as a line of credit in my name. 

After doing a deal of research I have found this company to have committed unlawful acts against hundreds of other US citizens. The company has violated the Telephone Consumer Protection Act ( TCPA ) by using an automatic telephone dialing system to place repeated debt collection calls to cell phones without prior consent. 

Thank you for your time
Consumer complaint received 2018-12-17
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)

My identity has been compromised inwhich lead to opened and closed accounts in my name. I have tried to remove these accounts before all to no prevail. However, after reviewing the language in the FCRA, it stated that when accusing a consumer of a debt that the consumer has the right to see physical documentation of which the debt is owed. In my dispute of the following accounts, I'm respectfully requesting physical documentation or the accounts shall be removed. I do not have no contract with these companies therefore I'm asking them to be removed. No contract, contract has been cancelled. The following accounts are, ( 1 ) XXXX XXXX XXXX, {$4200.00}, date XX/XX/XXXX ( 2 ) XXXX XXXX, {$3200.00}, date XX/XX/XXXX ( 3 ) XXXX XXXX XXXX, {$640.00}, date XX/XX/XXXX
Consumer complaint received 2019-02-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

The company is asking for additional documentation from the City of XXXX XXXX ( which I have now provided ) and continues not honoring a year of public service - 6 months of which were under the Loan Forgiveness program.
Consumer complaint received 2023-02-02
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: BARCLAYS BANK DELAWARE (AL)

This letter is a follow-up to my original letter dated date regarding an inaccuracy on my credit reports, regarding Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item.

Any other action ( or inaction ) on your behalf will result in a small claims action against your company.

I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Consumer complaint received 2017-11-25
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: Regional Management Corporation (TX)

On XXXX XXXX,2017, I mailed out a letter stating that I did not authorize credit from your company. I would like for you to prove to me that I was the person requesting credit from your company.
Consumer complaint received 2018-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (OK)

My husband and myself have a joint auto loan with Toyota Financial Services. In the process of trying to get a home loan, we found out that Toyota reported us 30 days late in XX/XX/XXXX andXX/XX/XXXX. I tried to resolve over the phone with Toyota, however there is no possible way to speak to a person in the credit reporting department. You have to communicate by letter only. Several months later I finally received a letter back confirming that they had researched and corrected the negative credit markers, yet their correction letter to us mentioned the wrong month ( XX/XX/XXXX). Still to this day they can not send me a letter to confirm that they corrected the month of XX/XX/XXXX, like I have asked.

I thought this was resolved, because there is no longer a negative marker on my credit or my husband 's for the months they reported incorrectly, so I let it go thinking it was just a bad mistake on their part.

Then 2 weeks ago I found out that Toyota AGAIN has reported us 30 days late, this time it is for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Our payments are due on the XX/XX/XXXX  of each month, and again, all these payments are paid well before the 30 day marker, usually within 1-2 weeks after the due date. We NEVER past 30 days, yet Toyota continues to report us 30 days late and their excuse is that " the payment has not posted by the last day of the month. '' They " ding '' our credit on the last day of the month even though thirty days have not passed. They have done this to us 5 times in the last 24 months now.

This is ruining our credit, and it takes months to resolve!

This should be illegal to report someone at 10 or 15 days.