davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

If you continue to disregard, fail to comply with, or lack substantial, satisfactory, and/or visibly evident proof of compliant reporting practices, I must caution you that this letter serves as my formal notice prior to potentially seeking redress in the nearest civil court through a writ of review concerning the aforementioned issues I suspect. Please understand that I am the affected consumer of your unverified or insufficient reporting practices. Consequently, I am disputing the assumed, yet highly conditional, reporting privileges for any and all claims contested within this consumer complaint. This statement demands your demonstration of authoritative, verifiable, compliant, legal reporting that unquestionably adheres to no less than the mandatory state and federal reporting requirements and statutes. My insistence on your thorough examination shall specifically encompass, but not be limited to, your adherence to agreements referenced within the FCBA, FCRA, ECOA, as well as all relevant laws within my state, proven to be sufficiently comprehensive in showcasing that your adequate statutory reporting occurred precisely as it pertains to any claim purported by you in my report ( s ). Of particular concern to me is whether any or all aspects of your claims are alleged yet demonstrate potential deficiencies, potentially deviating from your obligatory adherence to industry standards for lawful, fair, and ethical reporting, while maintaining an appropriate status. Undoubtedly, your obligation should be one of verifiable conformity to the Metro 2 Data Field Formatted Reporting Standards, as per CDIA guidelines! 

I've recently obtained copies of my personal consumer credit reports and have noticed questionable or insufficiently verified data within my file at your company 's offices, as outlined in my reviewed documents. I'm worried that this information might have been mistakenly or intentionally added back to my credit report by your offices after being removed from reporting, without providing the necessary five-day notice to me, as required by reporting regulations that your company must adhere to. 

According to the Fair Credit Reporting Act ( FCRA ), any previously removed reporting item can not be reinserted into a consumer 's credit report without written notice from the relevant credit reporting agency or agencies directly to me, the affected consumer, within five business days of the alleged reinsertion date. I want to make it clear that I haven't received any such notice or confirmation regarding the accuracy and completeness of the reported claims. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX  | XX/XX/XXXX XXXX | XX/XX/XXXX
Consumer complaint received 2023-08-06
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: Universal Payment Corporation (NJ)

I have never entered into contract with this company and requested proof but never received. I need this information verified. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, NJ XXXX XXXX XX/XX/XXXX Correspondence Address : Dept of ED / XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Payment Address : Dept of ED / XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Debt Validation Request Account Number : XXXX, {$2100.00}, XX/XX/XXXX. 
XXXX, {$1500.00}, XX/XX/XXXX. 
XXXX, {$6100.00}, XX/XX/XXXX. 
XXXX, {$3600.00}, XX/XX/XXXX Creditor Name : XXXX Original Amount : {$13000.00} Date of Debt : XX/XX/XXXX XXXX
Consumer complaint received 2018-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CO)

Every year when I send in my employee certification for the PSLF I receive an incorrect letter on the number of qualifying payments made/remaining. Every year. This year, they only counted the number of payments as qualifying from the last period for which I submitted a certification, discounting all the other years I have sent in correct documents ( which I also had to contest ). I have made a total of 51 payments toward my required 120 and they are saying now that I've only made 24. Last year they said I had made 39 - this number is also incorrect, the last two payments on XX/XX/2016 and XX/XX/2016 were not in forbearance. And they said that all the payments from the last year count as qualifying payments. Who is doing the math? I tried calling today three times during business hours and the message says that the office is closed and to call back during business hours.
Consumer complaint received 2023-06-30
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. (TX)

These inquiries XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX they are fraudulent and unauthorized without consent. This is a violation of 15 U.S Code 1681i ( 5 ) Removal of Inaccurate Invalidated credit information. Please Remove.
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (TN)

Ford is saying payment 30 days late in XXXX but it never was 30 days late. I have the bank statements showing payment went through and there have been no issues. This needs to be corrected immediately. I have stellar credit otherwise.
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Alpine Credit, Inc (CO)

I was led to believe that by a representative of the collection company that when i paid the collection that it would be removed from my credit report with the three credit bureaus and it hasn't been. Please help me get this resolved. I have tried disputing it with the credit bureaus but it still remains. Please help me resolve this issue as it should not have been on my report to begin with and it is now effecting my ability to get a home.
Consumer complaint received 2022-04-18
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: EQUIFAX, INC. (CA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

Equifax is in violation of FCRA 611. I contacted the furnishers and I am providing documents directly from the furnishers, XXXX XXXX and XXXX  showing the inaccurate information. I request these inaccurate accounts be removed under FCRA violation as they have already been disputed. I believe Equifax has not been conducting reasonable investigations as the data of these accounts still have been reporting inaccurately on my consumer report. My rights have been violated and I have not received a 100 % accurate consumer report.
Consumer complaint received 2022-04-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (AZ)

CitiBank is trying and continues to collect on a debt ( s ) that CitiBank is unable to validate up to date. 

I sent CitiBank a sworn affidavit dated XX/XX/XXXX via certified mail to perform Debt Validation on 2 accounts. Per 15 USC 1692 et seq., to provide verification of the debt, as being true, correct, and authentic, sworn by oath or affirmation with wet-ink signature signed under the penalty of perjury that the foregoing is true and accurate copy of the original recorded with the appropriate public and government offices against me. plus additional stipulations. ( copies attached for reference ) CitiBank mailed a generic letter dated XX/XX/XXXX addressing only 1 account. The generic letter states " they believe '' the debt is valid and provided basic references only, a copy of the alleged originated debt, and standard account statements. ( CitiBank failed to rebut the affidavit point for point as stated in the letter ) I sent CitiBank an affidavit of Opportunity to Cure via certified mail dated XX/XX/XXXX due to CitiBank failing to honor the stipulations of the Debt Validation Affidavit. I gave CitiBank an additional 10 days to rebut my affidavit and response via sworn affidavit, verified and/or affirmed by a signature under the penalty of perjury. ( copies attached for reference ) 10 days have passed and CitiBank failed to respond. " Silence is Acquiescence, Agreement, and Dishonor ; XXXX  conditions apply upon default ''. I sent Citibank an affidavit of Default in Dishonor Notice dated XX/XX/XXXX and delivered via certified mail dated XX/XX/XXXX. By dishonoring all offers by me, the alleged liability is hereby discharged resulting from the dishonor from CitiBank.
Consumer complaint received 2021-06-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

I found out that both of my credit cards from syncb had a charge of {$5000.00} and change A dispute was started and on XX/XX/2021 I received a bill from XXXX XXXX I tried to call them spoke to XXXX and he gave me an XXXX in which I was not able to connect to a live person. I was on hold for both on XX/XX/XXXX and XX/XX/XXXX and was not able to receive any answers in which where the furniture got delivered, who signed it, and when was the transaction was made. After being transferred to the fraud team on XX/XX/XXXX, and tried to get answers the person stopped speaking for approx 10 minutes and then hung up on me. Both accounts are from synchrony Bank and they are XXXX XXXX, and XXXX XXXX.
Consumer complaint received 2023-05-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MN)

I spoke with a Mohela customer representative in XX/XX/2023 to inquire about why twelve payments were ineligible towards PSLF. He told me he can't do anything about it because they were identified as being in forbearance from the previous servicer. The Mohela representative said " it doesn't matter anyway '' and " to wait and see what happens this summer. '' He refused to address my questions or concerns about my account.
Consumer complaint received 2022-04-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United PanAm Financial Corp. (AZ)

I called my realtor to run credit for a mortgage loan. And she gave me 2 Inquiries... 
1st collection. Inquiry XXXX XXXX XXXX XXXX a charge off. 
Reported XX/XX/XXXX for an amount of XXXX # XXXX Phone number XXXX 2nd collection Inquiry XXXXXXXX XXXX XXXX ( XXXX XXXX ) # XXXX Phone number XXXX I have not had a auto loan since a year ago and that was paid off as a XXXX balance with challenge financial I have not been with XXXX XXXX  since XX/XX/XXXX and that was a XXXX balance as well
Consumer complaint received 2021-06-22
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GFS II, LLC (MI)

I have followed the advice of a Credit counselor and sent Gateway Financial certified with return receipts request for them to send me all the properly required documentation in accordance with the proper laws and Syntax of my request. The only response is that they do not have any records of the suspect account. 
After the appropriate 30 day time frame I sent them a day day notice to remove the report from my credit history and they have until now refused to stop reporting a debt for which they have no records. 
The date of my final request for them to delete this file was XX/XX/2021. 
The specific information is : Gateway Financial Solutions XXXX XXXX XXXX XXXX, MI XXXX Acct # XXXX
Consumer complaint received 2021-06-22
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. (AL)

I order my consumer report and I notice that my rights were violated under the FCRA Section 602 and 604. 

I am the consumer and I have the right to privacy and no one should furnish any accounts on my consumer report without permission or written instructions by me.
Consumer complaint received 2021-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Has been going on for years theyve asked for affidavits I sent over five years ago they claimed they didnt get them and continued harassing me by phone. I send them yet another copy of the affidavit but I didnt get it notarized that time. That was probably three years ago. Then they ask me to hand write a letter take a picture and email it. I did that twice and the second time I got a notice that their inbox was full. When I called and told them they told me I was lying. Ive attached the hand written letter
Consumer complaint received 2021-06-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GULF COAST COLLECTION BUREAU, INC. (GA)

According to 15 U.S. Code 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I demanded this be removed immediately. I have already filed litigation concerning this matter.
Consumer complaint received 2021-06-22
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (IA)

The Complaint : Mr. Cooper Loan Processor XXXX XXXX placed in writing and verified for closing costs and loan amount of $ XXXX and Loan amount of {$95000.00} then refused to honor this and came back with {$1500.00} for a closing cost which is over double the amount sending these new closing costs as justification. Then XXXX XXXX Loan Processing Team Lead used the posture and positioning of her title as a bully pulpit to force a close with the new closing cost price in attempts to white wash and explain away what Mr. Cooper 's Loan Processor XXXX XXXX placed in writing for closing costs and loan amount. 

In addition, my loan information was exposed to another Mr. Cooper customer named XXXX XXXX in a email concerning loan information by Mr. Cooper Loan Processor XXXX XXXX. 

The entire struggle and discrepancy is just about Mr. Cooper to keep Mr. Cooper 's Word. 


Enclosed is the loan information from Mr. Cooper Website also placed in writing by XXXX XXXX.
Consumer complaint received 2022-10-31
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: Experian Information Solutions Inc. (MI)

Delete Late payments from XXXX XXXX XXXX from XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A few months ago my wife and I checked our reports and discovered multiple accounts that did not belong to us being reported. We involved the police and opened up a dispute about the accounts but there are still lingering accounts reporting that are there from the identity theft case. Im writing to request the credit bureaus correct my reports within 30 days. All items should be removed from my credit report. I never had any credit.
Consumer complaint received 2023-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: Newport Intermediate Inc. (IL)

After canceling XXXX I had a balance of {$91.00}. I called and asked for them to issue me a refund CHECK. I received a prepaid XXXX with my refund amount issued by XXXX I do not want a card, I want a paper check as requested. 
With the card that was sent there was XXXX options XXXX. Pay with your card or mobile wallet XXXX. Request a bank transfer and XXXX. Request a paper check. 
When I filled out the form ( XXXX times ) to have a paper check issued. Each time I clicked on submit, it had an error message service failed. I preceded to call the customer service number on the card. Another dead end. This call was received with an automated prompt to check the balance or report a stolen or lost card only. This card does not offer an option to talk to a real customer service agent. 
I called XXXX back and explained to them the card company that has issued me the card is a dead end. They explained it is out of their hands. 
Id like northland to issue a paper check in the amount of {$91.00} to resolve this issue.
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 is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

I just noticed on my recent XXXX  credit report and also when I pulled my credit on XXXX XXXX that XXXX XXXX XXXX is NOT reporting my paid loan which I have had with them and paid on time for three years now!!! They were reporting it!!! This is causing my credit score to drop as it looks like I have only had credit established for a year and a half which is untrue and it is also pulling my score down due to looking like I don't have a auto loan plus my perfect pay history for this amount of time is also pulling my score down, which is causing me to have to borrow at subprime rates when I have paid perfectly for most of my life!!!!! 

I am going to sue them and all of the credit reporting agencies and WILL contact XXXX XXXX to help me do so if they don't get my accounts corrected NOW and going forward!!! it is the CFPB 's job to make sure they are all reporting correctly and if they do not to sue them themselves and fine them for breaking the FCRA!!!! FIX MY REPORTS and sent me a physical copy of each report from XXXX, Experian and XXXX  showing all is correct as well as a copy to the CFPB for my file with them, do not close this complaint until all is correct!!!!!! This will be the last car loan I will take out with XXXX XXXX XXXX due to all of the problems associated with it too!!! I want the credit reporting agencies held accountable for their mistakes as well, financially!!!!!
Consumer complaint received 2022-04-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RIGHT START MORTGAGE, INC. (CA)

We purchased our home in XXXX 2021, the mortgage company never paid the full balance of our property taxes from our escrow account at closing. In addition, they over charged us the entire year, and at one point we had XXXX in our escrow account. We received tax notices of taxes due from underpayment and contacted the mortgage company. Emailed the tax notices to them for payment, they never paid them. Months later we get correspondence that states that we over paid them $ XXXX and would be receiving a check back for that amount within 30 days. It has been almost 60 days, a dozen phone calls- where we are always hung up on, and no reimbursement to us has been received. The second half of the balance due taxes are due in 45 days, and we need the money we paid the mortgage company to pay those taxes.
Consumer complaint received 2023-08-09
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: SLM CORPORATION (TX)

Recently ( XX/XX/XXXX ) I received an email message from XXXX XXXX ( a credit profiling website ) notifying me of the fact that a 'hard inquiry ' from Sallie Mae Bank would be falling off of my report, possibly elevating my credit score. I have not conducted any business of any kind involving Sallie Mae Bank, period. Consequently, I proceeded to the website to investigate the erroneous statement further, and to my dismay, determined the message to be affirmative. My report depicts as follows : Sallie Mae Bank XXXX XXXX XXXX XXXX, DE XXXX Inquiry Date : XX/XX/XXXX XXXX