davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-21
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: Mr. Cooper Group Inc. (PA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2020-01-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC (MD)

I have submitted a certified letter to this creditor requesting validation of this debt and I specified please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. This creditor failed to provide that documentation. The only information they sent was my name, the account number and the amount owed.
Consumer complaint received 2017-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have an account reporting on Experian that I am unfamiliar with. I have tried many times to get it resolved but have n't had any luck. I am hoping that your company could possibly help me. The account is SYNCB/CCDS that I am asking for validation from Experian who is reporting it. I just need help please
Consumer complaint received 2021-11-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

I received a notice from my mortgage company that I didn't have a homeowners policy in force. I responded with the attached letter dated XX/XX/2021. 

I recently received a notice from the insurance company that the insurance hasn't been paid and offered a payment plan ( see attached ) I also have attached the proof that Penny Mac has collected thousands from us.
Consumer complaint received 2023-07-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

On XX/XX/2023 I made it I deposited two checks that equal to the amount of XXXX. Without knowing I could not deposit a check that had my grandmothers and boyfriends name at the time, even though it also included my own name, which led to my account being shut down, and now that money is currently being held in a subledger, so the three of us that were named on the checks of time a deposit, when inside a branch submitted evidence that the checks belong to us and submitted that evidence so we could have the money released back to us. Unfortunately weve been getting the runaround for over three months and that money is still being held within the Citibank subledger. We would like that money to be released back to us since we submitted evidence that are belong to us, and the three of us appeared in person into a branch.
Consumer complaint received 2018-09-25
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (MO)

On XX/XX/XXXX, I sent a debt validation letter to this company asking them to validate this debt they say I owe them. I have NO LEGAL BINDING CONTRACT with AD ASTRA therefore they need to cease communication with me as well as remove this account from my credit file.
Consumer complaint received 2017-10-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Adjustment Service, Inc. (NM)

This company has called more than a few times to a phone number that is recycled. I have told them time and again that my number needs to be removed. Even their compliance person lied stating that they had never called me, trying to call me a lair. Each time they have called for the same person and I have told them there is no one at the number with the name. This time, I asked that the number be marked as bad in the case file, however, the compliance person told me that she could n't make any changes and that there was no one at the company that could and that my number would continue with the file.
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (UT)

I have sent debt validation letters and dispute letters on XX/XX/2021 and XX/XX/2021. These letters are regarding to a debt said to be owed to NATLCRSYS. The Date Last reported is inaccurate. according to the XXXX XXXX XXXX XXXX, a consumer has the right to dispute this matter. I have even tried disputing this account through XXXX online.
Consumer complaint received 2017-10-25
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. (CA)

OnXX/XX/XXXX I sent letters to all 3 credit bureaus outlining inaccuracies on my credit report that needed to be removed and deleted including an account with a company called XXXX XXXX XXXX, XXXX and XXXX both responded that they deleted this account because they were unable to verify this account with the creditor. Equifax failed to respond so I sent them new paperwork onXX/XX/XXXX making the request again also requesting that if they find the account valid, I request proof. Equifax did respond, however, they said that the account was verified without showing any evidence of the verification. I find it hard to believe that none of the other companies ( XXXX or XXXX ) were able to verify this negative item and Equifax was different. Evidence is required by law or it must be removed. On this same date XX/XX/XXXX, I also sent new requests for corrections on data to XXXX and XXXX and both companies have failed to respond to my requests for those changes and today is XX/XX/XXXX. This is unacceptable and a violation of my rights as a consumer.
Consumer complaint received 2017-10-25
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)

I pulled a copy of my credit report and noticed that TransUnion is reporting 2 things incorrectly. The first was XXXX XXXX XXXX showing in Bankruptcy and that is not correct. An account with XXXX  XXXX which is an unfamiliar account and I still do n't know who this is. I have disputed several times trying to get the two things resolved to no avail. If there is anyway your company could help me I would truly appreciate it.
Consumer complaint received 2015-08-01
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: CREDIT ACCEPTANCE CORPORATION (CA)

AFTER REVIEWING MY CREDIT REPORT. I SEE I have a collection for a car that was repossessed. OnXX/XX/2015 contacted the company and ask for verification then againXX/XX/2015 After XXXXdays the proof was not provided In a timely matter which states it should be null and void.
Consumer complaint received 2018-09-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc. (CO)

I tried to contact the company to dispute the debt on my credit report. But it wouldn't allow me. Kept showing error, On my XXXX, XX/XX/XXXX, {$91.00}, XXXX XXXX. XXXX XXXX XXXX. This is not my debt. And I haven't been to emergency since XX/XX/XXXX.
Consumer complaint received 2023-01-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Select portfolio services is over charging me. I paid them {$3000.00} and they keep saying I owe them more money.. My payoff was {$2400.00}... I have paid them XXXX I also have the proof.. They are still saying I owe {$720.00}.
Consumer complaint received 2023-07-19
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: Global Lending Services LLC (GA)

I want to emphasize that I have not applied for any credit or services offered this company nor have I granted permission for them to access my credit information. Therefore, the inquiry ( s ) made by this company are unauthorized and potentially damaging to my credit score and financial reputation.
Consumer complaint received 2022-12-17
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. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Act # XXXX, XXXX XXXX XXXX Act # XXXX, XXXX XXXX XXXX ACT # XXXX, XXXX XXXX XXXX ACT # XXXX, XXXX XXXX XXXX ACT # XXXX XXXX XXXX XXXX  ACT # XXXX, XXXX XXXX ACT # XXXX , XXXX XXXX XXXX ACT # XXXX, XXXX XXXX XXXX ACT # XXXX XXXX XXXX XXXX ACT # XXXX, XXXX ACT # XXXX, XXXX ACT # XXXX , XXXX XXXX ACT # XXXX, XXXX  XXXX ACT # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-06
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. (GA)

This account was disputed 5 times and this bureau refuse the follow the law Unverifiable and unauthorized inquiries have to be removed and accounts the are misleading and inaccurate must be removed and deleted For following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-17
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: Experian Information Solutions Inc. (TN)

I recently filed a complaint with the CFPB regarding EXPERIAN INFORMATION SOLUTIONS. EXPERIAN held my initial notice of dispute letter for 16 days before disputing anything on my consumer report, but when they finally responded to the CFPB complaint, I noticed a prompt dispute was initiated. The dispute was initiated XX/XX/scrub>XX/XX/2024 and ended on XX/XX/2024. EXPERIAN INFORMATION SOLUTIONS only investigated the inaccurate accounts in question for 10 days! And the accounts came back " verified and updated ''. EXPERIAN verified inaccurate account information. They also did not do a 30-day reinvestigation. This is a violation of the Fair Credit Reporting Act, and it is also unfair credit reporting behavior from EXPERIAN INFORMATION SOLUTIONS. I want these accounts removed. They have verified and did not remove the inaccurate information of both accounts with XXXX XXXX XXXX  XXXX and XXXX  XXXX XXXX. The FCRA states that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates 15 USC 1681e ( b ). I am requesting that these accounts be removed per 15 USC 1681i ( 5 ) ( A ).
Consumer complaint received 2022-10-13
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. (NJ)

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove this account from my file. 

This item/account is unknown to me. Also, the information you provided on some item is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some item is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX, XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$21000.00}
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have XXXX student loans and each reporting agency is showing that I have several more than 7 Trans Union is reporting XXXX, XXXX is reporting XXXX, and XXXX is report XXXX. Several have account numbers that do not corespond with the XXXX of XXXX.
Consumer complaint received 2021-11-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I sent letters to all XXXX credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 36 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2015-11-04
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC (AL)

Calvary Collections and assigned lawyers suing for debt that is past it 's statute of limitations in the state of Alabama. Statute of Limitations passed as of XXXX XXXX, 2015. They filed to get a judgement on XXXX XXXX, 2015.
Consumer complaint received 2022-05-23
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. (FL)

First I would like to say there has been a violation of 15 U.S code 1681 section 602 states " I have the right to privacy '', 15 U.S code 1681b, which states " a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; In accordance with the written instructions of the consumer to whom it relates '' which I never gave. I checked my credit report and found items that were being reported inaccurate and false. There has been another violation of 15 U.S code 1681c, which states " This subchapter clearly states no consumer reporting agency may make any consumer report containing any of the following items of information ; accounts placed for collections '' which is inaccurate and being reported anyways. A third violation of 15 U.S code 1681e says " Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user consumer report '' which never took place. 15 U.S code 1666b states " a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ''. These items being reported are causing actual damages and causing me to be denied things needed to provide for my children and household. They have been put on notice with a notarized dispute letter via certified mail.
Consumer complaint received 2023-10-07
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: SANTANDER HOLDINGS USA, INC. (FL)

i contacted Santander Consumer USA first either XXXX or XXXX week of XXXX and conveyed that my daughter had a severe medical condition that required emergency intervention. She currently is uninsured so i helped with those expenses that were close to XXXX XXXX I had given them an arrangement that i was not positive i could keep yet they still notated the account. Due to these expenses we fell behind on everything. My daughter was misdiagnosed XXXX times and has only started feeling better XXXX last XXXX weeks. end of XXXX i called again to discuss missing payments and what kind of help they can actually offer other than just notating the account, which is all they ever did by the way.. Currently we have defaulted on XXXX payments and we do not qualify for any assistance because we are too new. We havent been established enough with the company so our hardship means nothing. I have explained that yes i can afford to pay the loan, that doesnt mean i have an extra XXXX lying around to catch up. I received a right to cure letter stating i had until the XXXX of this month to settle the debt so i contacted them to let them know the best i could do is pay them XXXX month today. Then another month in 14 days and then another payment on the XXXX of XXXX. I was told that was fine. I scheduled my first of XXXX payments yesterday as promised and they deleted payment and didnt credit my account. Theyre now refusing to help and refusing payments. Worst company i have ever dealt with and if i had read reviews beforehand, id never have said yes to this loan but we need this car and im getting a run around and i dont trust them. I dont even know if anyone can help me but if you can please try. Much appreciated.
Consumer complaint received 2021-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (MN)

I tried to open a credit card for my business associate under my supervision where I would be the responsible party. I was denied because my associate had a bad debt with this company that had been properly adjudicated through the Chapter XXXX bankruptcy federal laws. My associate 's record has been clean for well over the 7 years required to clear the record and has been able to qualify for a mortgage without mortgage insurance etc. Their XXXX XXXX is XXXX. 
I am questioning the legality of this since the credit would be in my name and I would be the responsible party and am in good standing with the company denying this credit card.
Consumer complaint received 2021-11-22
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: EQUIFAX, INC. (NY)

I am XXXX XXXX and I am submitting this complaint myself. This item is reporting late, yet it is closed and the balance is XXXX as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about this complaint. REMOVE this account immediately : ( XXXX XXXX )
Consumer complaint received 2024-02-17
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 PULLED MY EXPERIAN CREDIT REPORT AND NOTICED SEVERAL INQUIRIES THAT DO NOT BELONG TO ME. CAN THEY PLEASE BE REMOVED FROM MY CREDIT REPORT!
Consumer complaint received 2022-05-23
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. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (DC)

My student loans have been XXXX by NELNET/ XXXX Department of education XXXX They should say PAID/CLOSED AND XXXX ( XXXX ) BALANCE ON ALL XXXX  CREDIT BUREAUS. SEE ATTACHED LETTER FROM NELNETXXXX DEPARTMENT OF EDUCATION AS XXXX!! XXXX XXXX AND XXXX SHOULD ALL SAY PAID/CLOSED XXXX BALANCE EFFECTIVE XX/XX/2021.