davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-17
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. (NC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

called XXXX and let them know they ran my Equifax credit three times on multiple days on five different day. I asked the rep why are they running my credit report multiple times and she arguing with me over the phone saying that they didnt when I have relevant proof. I asked XXXX to remove the multiple inquiries that they saying never received a credit report. I seeking legal action because I shouldnt have to argue with customer service when it is clearly showing on my Equifax credit report. I spoke to four different supervisors in the loan department at XXXX and was told they had a system issue. I recorded all the calls because I have a XXXX. I followed the federal under AMERICANS DISABILITY ACT regarding effective communication. I filed a lawsuit against XXXX Friday because my credit report was by the loan department. I am demanding the credit inquiries be removed because XXXX claims that they couldnt process the loan. I contacted Equifax and was told I need a letter.Equifax said inquires was verified.How can you verify something if XXXX inquiries where ran for a single application.I gave XXXX multiple chances to fix the problems now I filed a Small Claims court lawsuit because XXXX refuses to send letter to or Equifax to get the erroneously credit inquiries off my reports. I spoke to multiple representatives and they said only run XXXX and they kept arguing with me.When call XXXX the automatic system says a pending application and will have response in two days. It is four weeks now the loan is not adjudication.
Consumer complaint received 2023-06-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC. (MO)

I bought my XXXX XXXX XXXX XXXX from Carmax in the year XXXX. I was told that I was going to pay something to the tune of {$30000.00} for the vehicle. Upon further investigation I was made aware that I was charged, almost double that price and interest. They also added the cost of registration into my loan which was with XXXX XXXX. They also repossessed my vehicle in XX/XX/XXXX of XXXX after the payment was only 15 days late XXXX XXXX Carmax have since then managed to fraudulently sell and resell my loan back-and-forth. Please see Carmax attachment below where they clearly altered the back of the title To show it with no listed lien holder. My original title lists XXXX. They whited this out, and tried to make me sign. I refused. I have called them at least 25 times and gotten no resolve or no information in regards to this matter right now as far as it stands, there is no lien on my vehicle but Im not able to get a title they tried to lie to me and tell me that the car was up for repossession, but I know that thats not possible as I have had it for a long time, and when I called them, they didnt even know what to do with it. They have altered documents, added WAY too much on the back end of the deal, illegally repossessed my truck and refused to return my calls or refused to do anything at all the correct the error of their crooked theft. I want them to pay for the damage they have caused me and all the others.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: WELLS FARGO & COMPANY (CO)

Back in XXXX WellsFargo Bank misplaced my mortgage payment and for that reason my mortgage account appeared late for six payments and that affected my credit score. 
Therefore, tried to dispute the issue with Bank but my credit was never restored nor recovered and for that reason WellsFargo ruined my credit and affects my credibility and not qualify for any thing and no leader trust me because of my credit score which is resulted of those lates payments of which have never happened but the bank misplaced the transaction and appeared that was late but in real sense never late for any payments.
Consumer complaint received 2019-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC. (GA)

I contacted the debtor ( s ) on XX/XX/2019 requesting my signature proving this was my debt and/or that I had paid the accounts late. The companies are reporting this information to the 3 credit reporting agencies without providing validation of the debt and the credit reporting agences are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims. 

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 at XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-28
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DSR HOLDINGS GROUP, LLC (WI)

On XX/XX/XXXX, my father reported getting a spammy call for me on his phone. He reported they left a message asking for me and my address, but gave little else. The next day, my brother-in-law reported a similar voicemail. Neither of these people would ever been on a loan or given contact information, so it appeared very fishy. Now today ( XX/XX/XXXX ), I receive my first call from the same person XXXX. It was hostile and full of lies. He said he was trying to contact me and all attempts had been ignored. THIS WAS THE FIRST VOICEMAIL OR CALL I RECEIVED. It also lacked any real information, including why they were actually calling. Just that this was a final attempt after ignored calls ( the truth is they never called ) and to call this random number. There is a chance this is legit, but also a good chance this company is scamming me. Also, legit or not, its absolutely absurd they would stalk me to try and find my fathers and brother-in-laws numbers. Now, even if it was legit, they wont get anything from me. Im filling out the complaint as if they are a debt collector, because the number they provided links back to one. Even the website though looks like one giant scam. Either way, Im filing this as the company is extremely shady, unethical, and poorly run.
Consumer complaint received 2023-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am writing to file a formal dispute regarding the inaccurate information on my credit report, which I initially brought to the attention of TransUnion on XX/XX/XXXX. Despite the considerable time that has passed, TransUnion has failed to respond or rectify the following discrepancies. I kindly request your intervention in addressing this matter. 


XXXX XXXX XXXX Account Date Opened : XX/XX/XXXX Balance : {$4000.00} TransUnion is reporting inaccurate information for the XXXX XXXX XXXX account. The original creditor for this account is XXXX XXXX XXXX XXXX not XXXX XXXX XXXX I have never had any contractual relationship with XXXX XXXX XXXX  nor been contacted by them. Furthermore, the reported balance of {$4000.00} is higher than I believe it to be. Due to these inaccuracies, I dispute the entire account and request verification of the Date Opened and Date of First Delinquency. 

XXXX XXXX XXXX Account Date Opened : XX/XX/XXXX Balance : {$3800.00} The information presented for the XXXX XXXX XXXX  account is also incorrect. The original creditor for this account is XXXX XXXX XXXX XXXX, not XXXX XXXX XXXX TransUnion provides erroneous information about the balance, reporting it as {$3800.00}, which is higher than the amount I believe I owe. I dispute this account and request verification of the Date Opened and Date of First Delinquency. 

XXXX Account Date Opened : XX/XX/XXXX Balance : {$4000.00} TransUnion inaccurately reports data for the XXXX account. I am uncertain about the accuracy of the reported balance of {$4000.00}, as it exceeds the amount I recall owing. The account is indicated as closed and charged-off, and therefore the Past Due amount should not be provided. I will clarify this matter with the creditor. Meanwhile, I request that TransUnion mark this account as disputed to prevent further negative impact on my credit score. Additionally, I request verification of the Date Opened, Date of Status, and First Reported for this account. 

XXXX XXXX  XXXX Account Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} The XXXX XXXX XXXX account listed on my credit report has never been late. Please correct and update this inaccurate information accordingly. 

XXXX Account Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$370.00} The XXXX account indicated on my credit report has never been late. Please correct and update this inaccurate information accordingly. 

XXXX  Account Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$840.00} The XXXX account listed on my credit report has never been late. Please correct and update this inaccurate information accordingly. 

XXXX Account Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$240.00} The XXXX account indicated on my credit report has never been late. Please correct and update this inaccurate information accordingly.
Consumer complaint received 2023-06-19
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. (TX)

XXXX XXXX. I have never had this account. I have never had an account number. This is a fraudulent account that the three bureaus refuse to address because they get paid by the company. If you can not report fraud to the credit departments, then who?
Consumer complaint received 2021-08-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (OH)

I XXXX XXXX am writing this to inform you of your failure to send me a notification before putting this on my consumer report. I never received any documents pertaining to nthis alleged debt. This is a violation of my consumer rights. You don't have the authority o add something to my report without written notice and my consent. Pursuant to 15 usc 1692b ( 2 ) you cant state that I the consumer owes any debt. Also Pursuant to 15 usc 1692a ( 5 ) Debt means any obligation or alleged obligation. I am the original creditor Pursuant 15 usc 1692a ( 4 ) and only I can validate this debt. I am the natural person and the consumer and only I can validate this debt in which I DO NOT validate this debt.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (CA)

XX/XX/XXXX with a balance of {$12000.00} Vehicle was repossessed in XXXX and sold off in XXXX loan company still reports as if the account was still an open account and balance now {$15000.00}.
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

I have reviewed the documentation related to the aforementioned account, and it has come to my attention that the charge-off entry is incorrect. I have never received any written validation notice as mandated by USC 1692g. Furthermore, the accuracy of the charge-off entry itself is questionable and could potentially be a violation of 15 U.S.C. 6801, as there has been no prior notification of any charge-off proceedings. 
As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. 


I have thoroughly reviewed the Metro 2 Credit Reporting Guidelines, and it is evident that the aforementioned items do not adhere to these guidelines. As such, I request that you investigate these inaccuracies and take immediate action to delete them from my credit file.
Consumer complaint received 2021-01-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

XXXX XXXX opened XX/XX/2020 is unrecognizable to me. I have never done business with either XXXX XXXX or XXXX XXXX
Consumer complaint received 2023-10-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IL)

I have a XXXX which makes me very prone to XXXX XXXX. As a result, every so often, I have to drop classes very early in the semester. When this happens the school has to manually fax the loan servicers with records of my school status because it's too early for the clearing house. 

Normally there isn't a problem because, per XXXX : " If you reenroll in school at least half-time before the end of your grace period, you will receive the full six-month grace period when you stop attending school or drop below half-time enrollment. '' The rule is that any time I fall below half-time ( which is 6 credit hours at my school ) the grace period starts and and time I return to half-time the grace period resets. 

In this case I was attending 7 credit hours, but had to drop on XX/XX/XXXX which is the date that I fell below 6 credit hours. Ordinarily this should result in my grace period being set to expire XX/XX/XXXX, but even though the school confirmed that they faxed both loan Servicers in XXXX one of them - Mohela- sent me a bill which I received today. 

The bill states that I owe {$610.00} as of XX/XX/XXXX. Since I should be in grace this bill should not exist. 

I am attaching to this complaint a copy of the document that the school faxed Mohela. In a previous year the same document was faxed to a previous loan servicer named " XXXX '' who was able to accurately apply such information, but Mohela isn't doing that as it should. I am also attaching a print out of the online bill showing what they allege that I owe. 

I attempted to call, but could not get through. I tried to contact online, but their website says they they are dealing with extremely large call volumes. I tried using their secure message system, but it keeps timing out forcing me to retype and I have no idea if it went through or not. 

Normally I would wait to complain, but in this case waiting could be disastrous since I am nearing the time that I need to apply for loans to attend the XXXX XXXX semester.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX
Consumer complaint received 2023-07-04
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PENNYMAC LOAN SERVICES, LLC. (MN)

Over the last three months I have requested evidence of the debt that Pennymac claims I owe. I have ask for an accounting and for them to show me that they have any evidence that I owe them any debt. They have dishonored my demands for evidence to their claim and have made unfounded false accusations against my person. The false accusations they made against me are as follows : 1. " My request was overly broad and lacked specificity. '' 2. " PennyMac does not recognize your proposed process as legitimate. '' I have no idea what process they are referring to.

3. " PennyMac is rejecting your demands and/or offers in their entirety. '' I do not know what demands they are referring to.

4. " Some of the information requested is considered proprietary. '' Again, I do not know what information I have requested that is proprietary.

5. " PennyMac must respectfully decline the documents that you enclosed with your correspondence with the intent to fully satisfy and discharge this loan. Said documents will not fully satisfy your obligation under the terms of the Mortgage and Note for the loan, and are not an acceptable form of payment or an allowable transfer of property, as described under the Mortgage and the Note for the above-referenced loan obligation. PennyMac will not accept or honor the documents. '' This appears to be a boilerplate response, as I have not sent any documents as payment after knowing there was XXXX consideration from PennyMac, and therefore, this contract was invalid from inception.

As you can see they have ignored and mischarterized every request to provide evidence the note was ever funded, if funded by what assets ( consideration ). This contract is in dispute. I have also notifitied the local sheriff and asked to discuss the matter with him via email, certified mail and through his deputy. He has not allowed me to meet and discuss this matter via teleconference or in person. Exactly fifty ( 50 ) days atfter requesting to meet with him and him ignoring my request, he served me a foreclosure notice via his deputy at my home.

Note : It was within one week of me sending a letter requesting information once I was aware of this debt not being valid that PennyMac referred this debt to foreclosure as evidenced by their letter dated XX/XX/year>2024. They have to this date NEVER provided any evidence to their claim. None. Instead they have provide vague accusations and boiler plate responses. I have over XXXX of XXXX  with correspondence and repeated claims that they will provide accounting. I will attach those letter as I am limited to file size.
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

My name is XXXX XXXX, and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and identification as it contains my complaint and requests.
Consumer complaint received 2023-10-02
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Atlantic Recovery Solutions LLC (TX)

There are several companies trying to collect this debt of {$710.00}. XXXX XXXX XXXX XXXX on my credit report who sold to XXXX XXXX XXXX and Atlantic Recovery Solutions who purchased from XXXX XXXX. XXXX called on XXXX at XXXX went to voicemail, XXXXXXXX XXXX left a message, XXXX I called back left him a voicemail, and XXXX am I answered went off on him. At XXXX XXXX  I called back got the information. Company named XXXX XXXX hired him provided two Texes addresses and an Ohio address my Michigan phone number. At no time did I provide them that number nor any other address outside of Texas. They have my Texas phone number and violated by calling me before XXXX.