davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (CA)

I am currently in the process of trying to get a mortgage loan to purchase my first home. As all are aware the first step in the process is to pull a credit report. At the end of XX/XX/2020, I did just that, noted a few outstanding items that needed to be taken care of. None of which were for a collection. Fast forward to a few weeks later and I get an alert that my credit score had dropped due to a collection on my report, the company reporting the collection was listed as ERC with the original lender being XXXX XXXX XXXX, and had a date listed of XX/XX/2020 as the date the account was opened. I immediately called to find out what this was for. They said they were collecting a debt on behalf of XXXX and that if I paid they would remove the collection and send me a letter confirming it was paid and removed. Clearly Ive never dealt with this before so I blindly trusted. They also had an old address on file that I didnt even live at. I told them what my new address was so they could send the letter there. After I gathered the information on the account I paid the account in full. Fast forward to end of XXXX and the debt is still on my credit report has now been reported to another CA and my score has suffered greatly. I have now contacted XXXX who said that this balance was cycled through a few different collection agencies ( why had I never gotten any notices? ) and that ERC was the last to receive it. What makes no sense and is pretty unfair is that I received no notices about this collection, but somehow they were able to upload dunning documents on their portal after the fact that lo and behold now have my updated mailing address. None of which were ever physically received by me. I also never received a phone call. The only way I knew this was something was when I pulled my credit report and even then it wasnt there the first time I pulled it. Im also confused at the way this debt was handled, why did I never receive a notice from any of the other collection agencies, if this debt was being collected on behalf of XXXX why is XXXX telling me they have no control over ERCs practices. The only thing XXXX is saying they can do is request a paid in full letter be sent to me from ERC. I know that everyone is just doing their jobs but what they dont realize is that doing their jobs incorrectly is potentially costing me the ability to purchase my first home. I dont understand how its fair to report a collection when you wont even probably reach out to the person who owes the debt. Youre not giving them a chance to amend anything.
Consumer complaint received 2020-05-11
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (TX)

My account with wells Fargo auto shows I am 60 days late on my payments for XX/XX/2020. I was 30 days late not 60 days, I have caught up all payments and then some. I paid {$230.00} On XX/XX/2020. Regular payments are {$220.00}. I then paid {$400.00} on XX/XX/2020. My statement date ended on XX/XX/2020. I show a pay off amount of {$6600.00}. As of XX/XX/2020. I disputed the 60 days late on my credit report and when my dispute came back it said that my balance is {$7600.00} on XX/XX/2020 No payment for XXXX was made. I have a statement that shows otherwise. Every time I have had an issue with Wells Fargo Auto it has always been a fight even when I have the factual paperwork in hand to disprove what they are saying.
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: ONEMAIN FINANCE CORPORATION (TX)

XXXX XXXX sent me a notice that an unsecured loan for debt consolidation my improve my credit, and recommended the product by One Main Financial. When I began the application I asked for the amount suggested. Suddenly they were processing an application where my brand new truck was the collateral. When I asked them to cancel the application, they sent me a denial letter stating I didn't have a mortgage. 

1. I had a 30 year mortgage. 
2. We paid it off last year 15 years early. 
3. XXXX reported it as a CLOSED account, when we were never late for 15 years! 
4. They solicited this loan to me, and when I cancelled the application they put EVEN WORSE marks on my credit. 
5. I literally have 3 things not paid. 2 of which I have repeatedly disputed due to hospital in XXXX, not filing my insurance correctly. 

6. XXXX XXXX, and One Main Financial, should not be doing this to people during these horrific financial times, and then ruining their credit on top of that
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC (TN)

On XX/XX/XXXX, I wrote to DiTech Financial asking for proof of a late payment that they were reporting to all 3 credit bureaus. As of that date I have not received correspondence and they are still reporting a late payment on my credit report for XX/XX/XXXX. Furthermore, I have been advised that DiTech Financial is no longer in business and there is no one there to take my request to investigate this matter. I would like for the late payment to be removed from my account for all three Credit Bureaus indefinitely.
Consumer complaint received 2018-07-26
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. (PA)

I was informed that the CFPB could help me with some accounts on my credit that are not mine. I have reached out to the creditors and the FTC. I am really trying to do some things for my family and I cant because of these items : 1. XXXX XXXX  XXXX ( XXXX  : XXXX Experian : XXXX. XXXX  : XXXX 2. XXXX ( XXXX : XXXX. Experian : XXXX, XXXX  : XXXX 3. XXXX XXXX ( XXXX  : XXXX Experian : XXXX XXXX  : XXXX.
Consumer complaint received 2020-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have waited over 20 years in order to have my credit report errors fixed by XXXX, XXXX, including trans union. The investigation into my credit report is taking longer due to the facts of negligence of removing errors that they have not corrected in 20 years. 

The investigations that they are performing is due to the fact they are using other bureaus to verify the information and when questioned of how they are verifying it as the other bureaus don't have the account or records by which the account should be deleted as unverifiable according to the fair and accurate transactions acts, fair debt collections act, I have already begun asking for the actual records from those who are reporting to my profile with the bureaus including XXXX  and XXXX  because of the reported facts with their customer service departments not accurately recording the entire transaction by their csr not reporting and recording properly according to Fair and accurate transactions act. 

This pandemic has given other second chances due to situations beyond their control so why should the circumstances be different due to me. I almost lost my life due to a drunk drivers so why should i have to be treated differently by discrimination because loss of life is loss of live so what is the difference between covid 19 its nothing so this is how i feel about the bureaus moving slowly including creditors who i have tried to work with and they have given me nothing. 
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Consumer complaint received 2020-05-12
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. (LA)

I have included every payment made that the reporting company is saying I never made not a single payment from the texas attorney general child support I have shown XXXX in payments since 2018 and the credit bureaus will not take it off. the debt on y credit shows I owe XXXX so im actually overpaid
Consumer complaint received 2020-05-12
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. (AR)

Transunion reporting of XXXX XXXX XXXX this account was paid to the original creditor XXXX XXXX 1. XXXX XXXX did not buy this debt so they did not own it 2. If they do not own it they should not be reporting anything about this debt.

3. arrangement was made with the original creditor and settled
Consumer complaint received 2020-05-12
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. (CA)

I applied for a XXXX XXXX credit card today XX/XX/2020 and I was not approved because apparently there are several accounts in negative standing appearing on my credit report. I looked through each of those accounts and none of them belong to me. I did not open any of those accounts nor did I allow anyone to open those accounts in my name using my personal information. I did not benefit anything from those accounts and I did not make any payments towards any of these accounts. I don't know who opened these accounts without my permission so I reported it to the police as well as the Consumer Financial Protection Bureau. I have filed this report to the best of my knowledge.
Consumer complaint received 2020-05-11
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. (AL)

PLEASE SEE THE ATTACHED INFORMATION!! 
TRANSUNION, XXXX, AND XXXX I NEED TO KNOW YOU ARE GETTNG YOUR REPORTING INFORMATION FROM. PER XXXX XXXX WITH XXXX XXXX   YOU ALL ARE THE PROBLEM
Consumer complaint received 2020-05-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (FL)

This complaint is about inaccurate payment counts for Public Service Student Loan Forgiveness. My payment count remains inaccurate after requesting and receiving a recount by FedLoan. My loan was consolidated in XXXX, enrollment status effective XX/XX/XXXX. I worked with XXXX  advisor to consolidate following this. Loans were originally serviced by XXXX XXXX before transfer to Fed Loan. Throughout repayment, I have always been in the IBR plan. I have had only 2 employers and I have certified both as eligible employment from XX/XX/XXXX-XX/XX/XXXX via submission/approval of ECF forms. I have always been enrolled in autodraft for my payments. Despite this, my counts are wrong. I asked for a recount in XXXX and, while they did increase the count, I believe it was still off by 19 or 20 payments. Now, as of my XX/XX/XXXX recert, I believe my count is still off by 12 or 13 payments. The source of error may be that Fed Loan is not applying the {$0.00} payments which I made during my first year of repayment, despite this being the amount due under my income based plan and despite being enrolled in AutoPay. Thank you for your help in this matter.
Consumer complaint received 2020-05-11
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. (CA)

I HAVE A NEW COLECTION ACCOUNT THAT JUST APPEARED ON MY CREDIT REPORT THAT I THINK IS PART OF MY IDENTITY THEFT CASE BECAUSE I HAVE NO IDEA WHERE THIS CAME FROM AND WHO MAY HAVE OPENED IT USING MY PERSONAL INFORMATION.
Consumer complaint received 2020-05-12
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. (TX)

My report shows a credit inquiry from XXXX XXXX XXXX on XX/XX/2019. No credit inquiry was authorized. This item is either a fraud attempt or an error. Please remove this item as was requested earlier.
Consumer complaint received 2020-05-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NE)

My FHA Mortgage was sold from XXXX XXXX  XXXX to Rushmore Loan Management. We received a packet of information on XXXX from Rushmore Loan Management stating they will now be servicing our mortgage and it also included a list of what they plan to do with our personal information.

We never signed any agreements with Rushmore Loan Management and have been told this is not something we are able to stop them from doing. The items in question are : What personal information they collect and share ( Social Security Numbers and income, account balances and payment history, Credit history and scores ) It also states that they continue to share our information when we are even no longer a customer. 

Also it states they will give our personal information for joint marketing with other financial companies and they say we can not limit this sharing. 

We expressed verbally over the phone to their customer service that we are not ok with this and never signed any agreements allowing them to do so. I ask that the CFPB steps in and stops this action as it is fraudulent and not approved by myself or my spouse. As this is a FHA federal loan we are also filing a complaint with HUD. 

We ask for a written statement from Rushmore Loan Management stating our information is not to be sold or  shared with any of their joint marketing or any " partners ''
Consumer complaint received 2020-05-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OK)

I worked with XXXX XXXX XXXX for over 5 years to resolve all of my debt. That ended 3 years ago. The debt is no longer a part of my credit bureau report. I have told this collection agency to stop calling me months ago. They continue to call me every day now. XXXX tried for five years to work out a debt payment plan. They refused and denied the debt. I have tried to get them to stop calling but they continue. Portfolio  XXXX are harassing me daily and causing great anxiety.
Consumer complaint received 2020-05-12
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. (IN)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-05-12
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: Fidelity National Information Services, Inc. (FNIS) ()

I opened a checking account in XX/XX/2020 with XXXX  XXXX XXXX, this account was opened with the purpose of paying my credit cards off which I hold with the same bank. ( I am not American and I dont live in the us ) on the XX/XX/2020 my checking account was close without any reason given to me, they said a business decision, I have query this with the bank and I got not response, I am very mortified of what they have reported to ChexSystems , as I said I dont live in the us and getting a report is petty much impossible. The bank has put so much emotional stress on me, I am XXXX XXXX XXXX XXXX and I worked with a visa, I dont want any wrong information in my credit report or history, I managed to pay off one of the credit cards with my mothers account t and I am in the process of Paying the second one to not have any more debt. But this is not a way to treat people, Ive never done anything wrong and I am a very hard worker person.
Consumer complaint received 2020-05-12
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: National Credit Adjusters, LLC (CA)

XXXX XXXX from National Credit Adjusters called at XXXX on Tuesday, XXXX XXXX2020. Advised her not to call me this ealier in the morning as it is illegal to call before XXXX. Chantel stated she usually calls at this time of morning. Not true!
Consumer complaint received 2020-05-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (GA)

This debt was paid previously to another company. It is listed with the exact same account number listed and exact same amount owed. I sent the receipt with the account number to them. They are refusing to consider this a settled debt because it was from another company. I was notified by credit monitoring service that this was on my credit report. I first spoke with them on XX/XX/XXXX. I have not received a validation letter from them as of XX/XX/XXXX. The debt should not be with them at all because it was paid XX/XX/XXXX. My flawless credit is bruised because of this inaccuracy.
Consumer complaint received 2020-05-11
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CONTRACT CALLERS INC (CA)

The usaXXXX CREDIT SITE HAS COLLECTIONS THAT ARE NOT MINE, refused to submit complaint.I asked all three credit bureas. 
I ASKED XXXX TO REMOVE IT, THEY HAVE TECH ISSUES ALL THE TIME.DEBT IN OTHER STATES LIKE  GEOGIA HAS NEVER BEEN MINE.collections, bankruptcys, and morgages.stop putting other DOB on my credit.stop.using other social securities, even one didget off. 
DISPUTE XXXX AND ANY OTHER DEBT WITH CONTRACT CALLERS INC. THE CLAIM TO BE AN ATTORNEY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. THIS OTHER PERSON USES INFORMATION THAT CAUSES THESE THINGS TO BE PUT ON.MY CREDIT, BUT XXXX ALLOWED THESE PEOPLE TO USE MY CREDIT, ALSO THEY ARE TAKING using my social with and different spelling. i dont spell my name XXXX XXXX, i am not XXXX, XXXX or XXXX. I dont live in GA, virgina, alabama, TENN, NEVADA, OHIO also i NEVER owed any lawyers for any debt or bills or bankruptcies. i have none. 
On XXXX, i received a court judicial findings of factual innocence as a victim of criminal identity theft. I am the victim, however the criminal suspect AKA is XXXX XXXX XXXX XXXX, this middle name was the evidence, but they might be using my current name, because the court in XXXX, calif put my info into her case i filed against her and her husband, for using infor not hers, to make others think i was the teacher, but its been her since XXXX, XXXX, ect..arrested for other traffic crimes. they give officers other persons info to evade the law. This court is grossely neglient for not solving this crime knowing now its her and her husband XXXX XXXX, XXXX   XXXX. This is not my husband, i have not been married since XXXXThey became aware this year of the court crimes by these two.. The judge stated i was the victim, but intered my name XXXX XXXX XXXX XXXX , and my DOB so now shes aware. The DA covered up this, so they wont get in trouble for HARASSINGME THE VICTIM, BEFORE I STOOD UP WITH A LAWSUIT AGAIST THE COURT FOR NEGLIENT BEHAVIOR. She is at large, still not arrested for using my information. I am trying to sue, but they never show up. I AM CHANGING MINE AGAIN, AND HOPE MY CREDIT REPORTS WILL REPORT CORRECTLY SOON.BECAUSE OF MY WAGE LOSS.I SHOULD BE MAKING A LOT MORE.BUT THE CREDIT agencies are reporting wrong. These banks are confused, i can not even open an account because the assume its me. WE DONT HAVE THE SAME DATE OF BIRTH SUSPECTS DOBXXXXXXXX.These others have been used at this XXXX, CA court XXXX XXXX XXXX, XXXX.NOT MINE ONLY THE XXXX WAS SIMILAR, BUT NOT THE SAME.STOP THESE TWO. HOPE THE BIRTHDATES HELP YOU. BECAUSE THEY STEAL OTHER DOCS. 
THANKS, MS.XXXX XXXX. WILL BE CHANGING INFO BECAUSE I AM A VICTIM OF INCORRECT ONLINE INFO. As a XXXX, i do not deserve identity theft.
Consumer complaint received 2020-05-11
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. (TX)

The Federal Trade Commission has stopped a student loan debt relief scheme, alleging it bilked more than {$23.00} XXXX from thousands of consumers with false claims that it would service and pay down their student loans.XX/XX/XXXX XX/XX/XXXX - The University XXXX XXXX ( XXXX ) and its parent company, XXXX XXXX XXXX, will settle for a record {$190.00} XXXX to resolve Federal Trade Commission charges that they used deceptive advertisements that falsely touted their relationships and job opportunities with companies such as XXXX XXXX XXXX, XXXX, XXXX, XXXX, ... 
XX/XX/XXXX - XXXX XXXX XXXX will pay a record-breaking {$5.00} XXXX penalty, and submit to new restrictions and a modified corporate structure that will hold the company accountable for the decisions it makes about its users ' privacy, to settle Federal Trade Commission charges that the company violated a XXXX FTC order by deceiving ...
Consumer complaint received 2020-05-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Consumer Portfolio Services, Inc. (CA)

Starting XX/XX/XXXX I called consumer Portfolio Services , Inc. at XXXX. I had spoken to several customer service reps for this company. I had explained way before my car payment was due XX/XX/XXXX to them that my check was short and would like to have my payment for XXXX deferred due to this. Each Customer service rep told me that i need to wait for an email to let me know if the supervisor will ok my deferment. All I got was the run-around. and when I called them early enough I was told that I had to wait until my payment is past due then call back which makes no sense. 
I paid for XXXX  and today on XX/XX/2020 I received a text from this company sending me a reminder that my payment is due for XXXX. I paid for XXXX and I need them to defer my payment for XXXX. 
This company is not working with me I have made numerous calls to this company and I get no help at all. Why do I have to wait for them to send me an email regarding geting my payment for XXXX deferred?
Consumer complaint received 2020-05-11
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. (IL)

XXXX added a statement to my student loan, that I was in deferment and affected by the natural disaster - COVID-19. They removed the statement though I am in forbearance until XXXX. This caused a 42 point loss to my credit score.