davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I contacted Transunion on XXXX to inform XXXX  that I am a victim of identity theft. They resolved some errors however theses accounts that do not belong to me remain. XXXX XXXXXXXX {$0.00}
Consumer complaint received 2021-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MA)

Hi XXXX XXXX XXXX / Lvnv Funding llc : Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Consumer complaint received 2023-08-09
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. (MD)

XX/XX/2023 an email was corresponded between myself and Equifax to resolve the issue at hand. I requested for Equifax to verify information they placed on my consumer report without my permission. I requested for debt validation as their reporting has significantly impacted my livelihood by false reporting and failure to properly investigate accounts like congress has required them to.
Consumer complaint received 2021-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (MD)

I refinanced my auto loan that I had with Chase. The Loan is with XXXX now. I submitted proof of the payoff but Chase will not show the loan as paid off on my credit report and continue to try to charge me late fees.
Consumer complaint received 2021-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6300.00} Reason : Identity theft Please remove this from my credit report. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00} Reason : Identity theft Please remove this from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Reason : Identity theft Please remove this from my credit report.
Consumer complaint received 2023-03-08
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. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FED XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (AZ)

I received a call from Phoenix Financial requesting I pay an outstanding debt. I ask for additional information date of service or proof the debt was owed. The collector refused to validate the bill/debt. I checked my credit report on XX/XX/2021 and Phoenix Financial Services is showing a collection item in my credit report.
Consumer complaint received 2021-06-19
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: United PanAm Financial Corp. (MI)

Hello, I recently submitted a dispute directly with the company XX/XX/2021 along with calling them to let know they have me mistaken for someone else and the car loan was not mine. I STILL haven't received a response neither by phone or mail, I will really like this to be took care because it is not accurate
Consumer complaint received 2015-04-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (LA)

Midland Funding LLC and XXXX, XXXX and XXXX - all attornies have continuously and repeatedly harassed me to collect a debt. I 'm not sure if this debt is a credit card company or some other debt. They have dragged me into court and garnished my wages as well. I do n't owe this debt, yet they continue to badger and harass me trying to collect the debt. Their undue harassment is beginning to affect my state of mind.
Consumer complaint received 2024-08-06
Product: Credit reporting 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. (TX)

I found unauthorized inquiries on my credit report this morning and I'm clueless about their origin. While checking my report as usual, I saw unexpected discrepancies. Despite refreshing my browser, the unauthorized inquiries persisted. Because of this, I ask for a thorough review of the documents I've submitted to prevent future worries.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in removing the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AL)

XX/XX/year> - this is the date that I finally got fed up with my repeated attempts to reach a human representative at Experian credit reporting. I used the website BOT which gave me a phone number to reach an agent. The number was answered by a BOT. The BOT would never pass me to a specialist, a human, a customer service agent, or customer service, or representative, or any other words to indicate I needed a human. I want to add a consumer personal statement to my credit report. The website has NO place for me to add a Consumer personal statement. The website has NO email address to ask that my consumer personal statement be added to my credit report. The BOT on the website finally responded with a second phone number since I kept responding to the BOT with a thumbs-down icon. The second phone number answered with - you guessed it - a BOT. That BOT gave me two choices to select. Neither choice was what I needed. One choice was to hear a webpage address and the other choice was to get an email with the webpage address that doesn't have the information I need. Both BOTs at both phone numbers hung up on me when they couldn't understand the string of words I put together that represented a human. Experian needs to hire people and not use BOTS.
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (SC)

I have multiple credit cards and have credit scores with BOTH XXXX and XXXX. I'm finding it impossible to get Equifax to assist in creating/ providing a credit score for me. 

1. Contacted Equifax on XX/XX/2022 at XXXX EST ( XXXX minute call ) Was asked to mail a copy of Driver 's License and Social Security Card to " verify ID '' 1a ) Mailed Copy of Driver 's License, Copy of Social Security Card, AND a letter with current name, former name, current mailing address, former address, every piece of info I could think would help AND a contact phone number and email address via XXXX XXXX Mail XXXX was delivered and signed for by " XXXX XXXX XXXX on XXXX XXXX. 

2. Called Equifax on XX/XX/2022 at XXXX pm EST ; was told " they must still not have it uploaded '' ( XXXX minute call ) XXXX ) Received postcard XX/XX/XXXX, which proves they HAD received my documents saying : " We received your request regarding your Equifax credit file. However, we were unable to locate a credit file for you for one of the following reasons : - You have not applied for credit recently- You have not actively used credit in the past ten years, or -You have not lived in the United States or have not been issued a U.S. Social Security Number If you are a resident of XXXX XXXX. [ instructions to follow ] You may want to contact the other two nationwide consumer credit reporting agencies listed below : -XXXX  [ provided number and website ] -XXXX  : [ provided number and website ] If you have any questions, please visit us at [ website ] or contact us toll-free at [ phone number ] 3 ) Called multiple numbers XX/XX/XXXX, spending a total of XXXX minutes with Customer Service- with ALL asking me to send in documents to prove my identity. NONE could say how the process would change and be fruitful if I went through the process again. I NEED a credit score to obtain housing. Please assist!!!
Consumer complaint received 2024-08-16
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: CARRINGTON MORTGAGE SERVICES, LLC (NV)

" Pursuant to my ongoing efforts to verify the authenticity of the Deed of Trust assignment recorded on XX/XX/year>, I respectfully request that Bank XXXX XXXX ( XXXX XXXX XXXX ) provide me with a certified copy of the Authorization document that empowered XXXX XXXX to act as Attorney-in-Fact for XXXX XXXX XXXX. 

My initial request for this documentation was denied, and I am reiterating my request in light of the apparent conflict of interest presented by XXXX XXXX 's dual roles as : - Assistant Vice President of Default for Carrington Mortgage Services LLC and Attorney-in-Fact for XXXX XXXX XXXX I believe it is essential to obtain this document to ensure the validity and legitimacy of the assignment. I would appreciate it if you could provide me with a certified copy of the Authorization document at your earliest convenience. 

Please note that this request is made in accordance with my rights as the homeowner.
Consumer complaint received 2021-06-18
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: AutoNation Enterprises Incorporated (CA)

I XXXX XXXX entered into a consumer credit transaction with CiG financial on XX/XX/2017. A consumer credit transaction in which violations and fraud was commited. CIG financial did not tell me about my right of rescission pursuant to 15 usc 1635- right of rescission. CIG financial is criminally liable for all of these violation pursuant to 15 usc 1611 and 15 usc 1640.
Consumer complaint received 2022-04-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC (DE)

Spring Oaks Capital sent the attached letter which stated that if I failed to pay, they will submit a negative rating on my credit report. I have no knowledge of the referenced account and they are threatening to damage my credit over it.
Consumer complaint received 2021-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

XXXX  - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2021-06-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (OR)

I got this company named XXXX XXXX XXXX called to my son from the phone number XXXX and told him that they have a legal case against him. He got nervous and tried to get some information then they noticed that they called the wrong person. They provided with the case number XXXX to him to ask me to call them back. 

I called and they said that they have a summons to serve me because I'm being sued. I asked who is filing that and she said that I have fraudulent opened and some other retoric with legal terms words to tell me that I commit a federal fraud. Of course I got scared, then asked for details and she said that was a bank account in Wells Fargo opened from XXXX to XXXX. I claimed that I ad contact the bank because 2 years ago I got same call and at the bank they have nothing. My last account was closed with XXXX balance. And the collector is asking for {$1200.00} including fees and interest. Checking my rights I found that I don't have to pay fees or interest not previuosly signed and accorded. Also this account is way out of the statute of limitations, we're talking about 9 years at least. 

When I told them about my rigths she said that this kind of lawsuit will not be protected for the Statutes of Limitations because is considered like a federal student loan and protected by federal agencies. I didn't found anything saying that. I don't know if that is true but to me they fail since they contact the wrong person telling him that they will act legally against him.
Consumer complaint received 2021-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (NV)

XXXX  XXXX- XXXX XXXX XXXX
XXXX  XXXX- XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX 
XXXX XXXX- XXXX XXXX XXXX XXXX  XXXX- XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX- XXXX XXXX XXXX  2021- XXXX XXXX XXXX  XXXX- XXXX XXXX

MERCHANT USED BY NAVY FEDERAL IS CONDUCTING CONSUMER BASED FRAUD PYRAMID SCHEME. REFUSAL TO REFUND MONEY BASED ON CONSUMER AND MERCHANT BASED FRAUD. XXXX XXXX XXXX  WAS PRESENT DURING THE WALKTHROUGH OF THE FACILITY. PERSON IS KNOWN FOR FRAUDULENT BUSINESS PRACTICES. REFUND BY DISPUTING CHARGES HAS BEEN INITIATED OVER 9 DAYS AGO. NAVY FEDERAL HAS PREVIOUS BAD BUSINESS PRACTICES WITH MERCHANT SERVICES. SUBMITTAL OF COMPLAINT  DURING XXXX, LED ME TO A ZERO COMPENSATION AS THE LAWSUIT AMOUNTED TO AN ASTRONOMICAL AMOUNT. ERRORS IN BANKING MERCHANT SERVICES CONTINUE, FROM UNCOVER AND LINK TO CALIFORNIA MERCHANT SCAM.
Consumer complaint received 2021-06-18
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 have hard inquiries showing on my credit report that doesnt belongs to me. I did not give these creditors permission to pull my credit report and Im sure that these inquiries are a result of fraudulent activity or inaccurate reporting by the creditor burea. I have try to dispute this incorrect information with the credit bureaus and have not heard anything back regarding this issue. Ive even filed an identity theft report with the Federal Trade Commission.
Consumer complaint received 2021-06-18
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: TOYOTA MOTOR CREDIT CORPORATION (OH)

XX/XX/XXXX I went to XXXX  XXXX in XXXX, OH, where I had purchased a car in XX/XX/XXXX. I met with the salesman, XXXX XXXX, we had used before. I test drove a couple of vehicles but felt that since he was trying to put me in the most expensive vehicle, according to my income, instead of listening to what I wanted, I was going to go elsewhere. And even though that day I never gave him my credit information, nor did I authorize a credit check, he used previous transactions to get that information and run a hard credit inquiry on my report. I have requested them to provide where I consented to the credit check ; filed a complaint with the XXXX, which they responded to and stated, they would resolve with me. Then sent me a letter that they were not going to send me anything or remove the inquiry. I have no issue with hard inquiries when I ask for them and am aware of the difference between hard and soft inquiries. As I have been working on my credit score, I would NEVER have a report run unless I knew I was going to buy a car at the dealership, as I did in XXXX at XXXX XXXX when we purchased my son 's car.
Consumer complaint received 2021-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Hello, Our loan was being serviced by NewRez/XXXX  ( XXXX XXXX XXXX - Loan Number XXXX ) at the time COVID impacted my family ( husbands business ). I went into a foreberance plan ( total of a year ) At the ten month point I called XXXX/Newrez to start the process of reinstating my loan. They told me to call back at the 11 month point to start the process. At the 11 month point, I called again to reinstate my loan. By this time, I had an assigned person to may case. When I called the number of the person assigned to my case, I was told that everyone had the same servicer and it didnt matter who I worked with. They gave me three options which included : 1 payback the total amount owed, 2. roll the amount into the loan 3. modify the terms of the loan. I told them I was interested in option # 3 - if I were able to have a more current rate ( 2.5 % -2.7 % ) I would be able to better afford the new added burden of my husband loosing part of his business during COVID on my own. They said that there was no need to submit documentation and the said a modification at 2.7 % rate was available. They said to give them 30 -45 days and they would send me the modification in writing. At which point I would have 5 days to review and sign. At approx. 45 days I started receiving emails and mail notices of being late and not making payments. I immediately called them again. They were very hard to get ahold of but when I spoke to them they said not to worry - all communication was automated, I was still on forbearance and the offer was in the process. This continued for the next months - I would receive delinquency notices, then call, then be told that we were still in forbearance, not to worry and the modification was coming. By end of XXXX I received notice that my loan was being transferred to a new servicer - Shellpoint ( shellpointmtg.com - loan XXXX ) as of XX/XX/XXXX. I immediately called Shellpoint to voice my concerns of my loan being transferred before the modification was agreed to. I've since received a validation of debt notice from Shellpoint and and working with them - at this point they say they say that New Rez has 60 days to send over all info, but still have not received any indication that a modification was even in process.