davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-21
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: G. Reynolds Sims & Associates, P. C. (MI)

On or about XX/XX/XXXX. G Reynolds Sims & associates, P.C., XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ) et al, filed or caused to be filed a debt collection lawsuit using the name XXXX , XXXX as plaintiff in the XXXX district court of Michigan. 
G.Reynolds Sims & associates, P.C. attempted garnishments of this consumer 's state of Michigan tax returns for several years following judgement issued in favor of XXXX , XXXX by the XXXX XXXX   district court. Additional facts are as follows : 1. XXXX XXXX was divested of all its assets in a bankruptcy in XXXX. See public records 2. G. Reynolds Sims & associates, P.C. continues to put itself forth as a collection agency located within the territorial bounds of the state of Michigan. See attached screenshots 3. A search of the Michigan department of licensing and regulatory affairs occupational licensing database does not show results for G. REYNOLDS SIMS & ASSOCIATES, PC as licensed collection agency in Michigan. See attached screenshots 4. Licensing/ unlicensed status confirmation requests are sent to the Michigan department of licensing and regulatory affairs. Response pending 5. G.Reynolds Sims & Associates PC was without an assignment of debt from the alleged original creditor either to G. Reynolds Sims & Associates, P.C or the alleged plaintiff XXXX , XXXX ( court documents available on request ) 6. An attorney associated with G.Reynolds Sims & Associates, P.C filed the only affidavit in the XXXX XXXX action of XXXX claiming knowledge of XXXX XXXXs business records in spite of XXXX XXXX never having a custodian of records. 
See attached affidavit and public bankruptcy filings concerning the XXXX XXXX bankruptcy. 
7. G.Reynolds Sims & Associates, P.C still continues to act as a collection agency to this day. See attached 8. Collateral CFPB complaints against XXXX , XXXX and XXXX XXXX XXXX XXXX XXXX have been filed. See attached screenshots for complaint ID numbers.
Consumer complaint received 2018-01-15
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: Lending Club Corp (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Social Security Number:XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by lending Club in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing chargeoff/collection/late on XX/XX/2017. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with lending Club and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ),  and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2.  ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consumer complaint received 2018-04-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (OR)

I am having a financial hardship and thus got behind on my mortgage. I was able to qualify for a hardest hit fund program in Oregon and payment are being made. The Sale date was postponed but the Loan was sold from XXXX XXXX to SLS ( Specialized Loan Servicing LLC ). I was never notified in writing that SLS kept the sale date that it was postponed too prior with XXXX XXXX. SLS has had the Loan less than 40 days and is already going through with the Sale date. I tried calling them and they wouldn't even let me postpone the date so I can try to sell or try to pay the reinstatement amount with OHSI 's program. I received a letter from SLS on XX/XX/2018 letting me know that I was behind and that they have mitigation options but never any notice for foreclosure. They are still receiving payments from hardest hit fund but will not work with me to postpone date.
Consumer complaint received 2021-03-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

I was falsely reported dead to USAA. The person who reported me dead withdrew the money from my CD and closed the account. I reported this to the fraud department of USAA and they said there was no fraud. There wasnt anything they could do. I reported it to the police department. The investigating detective said he found several felony charges. USAA allowed this crime to occur and did nothing about it.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and XXXX ( XXXX XXXX XXXX XXXX XXXX require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : XXXX XXXX XXXX XXXX  Balance : {$990.00}
Consumer complaint received 2018-01-14
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: Experian Information Solutions Inc. (AR)

On XXXX XXXX, 2017 I spoke with XXXX, Experian, and XXXX about unauthorized inquiries placed on my credit report under the security breach they were removed and placed back on to my credit report without my knowledge
Consumer complaint received 2018-01-14
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: EQUIFAX, INC. (AR)

On XXXX XXXX, 2017 I spoke with Equifax, XXXX, and XXXX about unauthorized inquiries placed on my credit report under the security breach they were removed and placed back on to my credit report without my knowledge
Consumer complaint received 2018-04-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services (CA)

My finance company Lendmark Finance sent a letter stating it was updating their statement, that was over a year ago. The statement they have been sending only states the monthly amount due and does not include the interest paid. I have contacted the XXXX branch and all they can tell me is they know and it's still be updated, I sent a message on-line to Lendmark and inquired about the problem, I was never contacted. At this point I don't what I am paying in interest every month.
Consumer complaint received 2018-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (MO)

I spoke with XXXX XXXX multiple times over the Spring, Summer and Fall of XX/XX/XXXX regarding an account that was reported to my credit file. I received a letter on XX/XX/XXXX from XXXX XXXX ( listed as Lead Compliance Representative ) stating that the account would be removed from the credit bureaus. The account was in fact removed from XX/XX/XXXXand XX/XX/XXXX, but was not removed from my experian credit file. I have since contacted the debt collector on a number of occasions ( most recently on XX/XX/XXXX ) to attempt to resolve and when I have contacted them I am transferred around multiple times, told that they can't assist me, and/or hung up on. XXXX XXXX is not honoring their promise to remove the account and is not giving me an outlet to resolve the issue.
Consumer complaint received 2018-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I am a current customer of Huntington Bank. I overlooked a payment on my credit card in XX/XX/XXXX. Once I realized I had overlooked the payment I made the payment along with the payment for XX/XX/XXXX to bring the account current. Over the past month I have attempted to work with Huntington to have the 30 day late payment in XX/XX/XXXX to no longer report as a 30 day late payment as a goodwill gesture. I have spoken to 5 different representatives with Huntington and no one is hearing what I am requesting. Each person is submitting this through as I am stating that I was not late on the payment. I have been asked to send my credit report to a fax number. Each letter I have received has stated that the investigation confirms the payment was late and will continue to report to the credit bureaus. My credit report will show that my payment history on every account that I have has never shown a late payment 30 days or greater. I felt that this evidence and this being a one off situation would be enough documentation to have Huntington remove the 30 day late payment in XX/XX/XXXX as an act of goodwill. I feel Huntington is not listening to what I am really asking for and being unreasonable with my request.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/year> at XXXX, XXXX Customer Advocate XXXX XXXX stated via voice-mail that XXXX would provide a one time courtesy to amend our credit report if we provided proof that payment was initiated on or before XX/XX/year>. We provided proof via email to XXXX, attention XXXX XXXX. I also left x 3 voice-mail messages to escalate our request to XXXX XXXX for review and resolution. Please assist us with communicating our concerns, NO one has responded via email or phone. Thank you.
Consumer complaint received 2018-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XXXX XXXX XXXX, I contacted TransUnion to resolve unauthorized inquiries showing on my credit report. I called and spoke to a u.s. representative by the name of XXXX he was helping me until we got disconnected. I recently checked my credit report and noticed many inquiries that were removed during a breach in XXXX of XXXX in XXXX XXXX where reinserted. I did not receive a written 5 day notice informing me about the breach or TransUnion reasserting the inquiries. This is a violation of FCRA. TransUnion can not continue to violate my rights.
Consumer complaint received 2018-04-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

Opened a HSBC advance checking account back in late XX/XX/XXXX with an understanding that there will be a {$350.00} promotion bonus for opening the account and funding it with {$10000.00} within 30 days of account opening. The fine print says customers who held any HSBC account from XX/XX/XXXX to XX/XX/XXXX is not eligible for the promotion. So I called in HSBC prior to account opening and had confirmed with an agent that I didn't have any accounts opened during this period. With this confirmation, I proceed to open the checking account and had met all the requirements, but did not receive the promotion bonus as promised. I called in to HSBC repeatedly starting from XX/XX/XXXX to XXXX XXXX ( about ~5-6 times ), and was given a host of different reasons as to why I did not receive the bonus. Was initially told that I had an account with HSBC during XX/XX/XXXX to XX/XX/XXXX, in which I replied stating that I had confirmed with an agent about this prior to account opening. A ticket was opened for further investigation but they did not follow up with me on the progress. Later I called again and was told that I did not register for the promotion during the sign up, hence was denied of the bonus. Not only are these claims contradicting each other, they're also not valid. As a consumer, I feel HSBC did not keep their end of the promise and also showed lack of support to follow up and resolve this issue. Hence I'm contacting CFPB in hopes to get this resolved in a timely fashion.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX ***** XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX XXXX  Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXXXXXX XXXX XXXX XXXX  Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$1200.00} Balance updated XX/XX/XXXX Transunion ***** XXXX XXXX XXXX  Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX XXXX  Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXXXXXX XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX ***** XXXX XXXX XXXX  Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX XXXX  Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX
Consumer complaint received 2018-01-14
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: EQUIFAX, INC. (CA)

Hi I tried to contact Equifax, XXXX and XXXX. I noticed I have a lot of Hard inquire who DO NOT HAVE written or verbal permission I demanded they remove it and I 've tried three times all they keep forcing me to do is contact the companies and then the companies require I call the credit bureaus. I need them to REMOVE ALL HARD inquires I also spoke to someone they said they 'll remove it all for me but they failed to do this
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Was notified via email on XXXX XXXX XXXX  a credit card account was opened using my name and my secondary email address. The bank name is current bank. On XXXX XXXX  the credit card appeared on my credit report. Ive never heard of this company before and ive never done business with them and never opened up any accounts with them.
Consumer complaint received 2018-01-14
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. (CA)

XXXX XXXX XXXX Reported a late payment for my mortgage back in XXXX 2015. This account has never been late and they have refused to correct the error. I 've been very patient with this matter but i 'm tired of them ignoring to fix the problem and it has affected my credit score in a negative way.
Consumer complaint received 2018-04-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

Navient never respected our original contract which clearly states in school deferment for as long as in school. They demanded payment while I was still finishing my XXXX degree despite never having a lapse in full or half time enrollment. Further they claimed I used my grace period while I was still in school. This action caused me to have to reduce my school work in order to make the $ 500+ a month they we demanding. They continued to request money despite my disagreement. I have struggled to pay them much due to the set back they caused. They have now put me in default despite that I paid them less then two months ago, and Im pretty sure thats not legal either. I have asked them to stop contacting me and they dont, despite being a NY citizen where the law clearly states that they need to stop for at least two weeks when requested ( they call me every day ). They contact my family and provide them with orivate information to harass me, ( even my stepmothers cell phone which Im not sure how they got sonce my father married her after I got this loan ). I have no money and Im struggling to get by but they clealry dont have any options beyond paying the full amount at this point of {$71000.00} for what was a {$26000.00} loan. How are they allowed to treat people this way? I only got this loan because I was injured, putting my self through college, not even taking out loans, XXXX XXXX XXXX in cold MN 48 hours a week while putting my self through school and finishing my XXXX in 3 years. They were the only ones to lend to me after my injury because I had no credit and my parents didnt come from wealth. Why are they allowed to do this to people? Why arent we just paying for XXXX college anyway. This whole thing is stupid and I doubt anyone will help me. I wanted to apply to schools to get a XXXX because my two XXXX degrees are clearly not enough to find employment, but now my loan is in default so I wont qualify for a Grad Plus to pay for that. Why are things the way they are? Why is Navient allowed to do business?
Consumer complaint received 2018-01-14
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 (KS)

I set up a payment plan with Portfolio Recovery for an XXXX XXXX account on XX/XX/XXXX. Amount due was {$480.00}, payments to be withdrawn from my rapid refund account every two weeks in the amount of {$40.00} starting date XX/XX/XXXX with final payment in XXXX. The first payment was withdrawn in the amount stated above, but then I received a phone call on XX/XX/XXXX at XXXX from Portfolio Recovery stating they did not show any information of a payment arrangement being setup. I received another phone call on XX/XX/XXXXat XXXX, reminded the caller that the calls they place are recorded and they needed to go back in their archives and review the information that was set up on the XX/XX/XXXX. 

Portfolio Recovery XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX XXXX Thank you XXXX XXXX