davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Servatus Corporation (CA)

Credit Solutions Corporation has been attempting to contact me regarding a debt that is not owed. I have spoken to two different representatives and told them both that the debt is over 8 years old which twice the length allowed to collect consumer debt in the state of California and past the 7 years allowed federally. I asked them to please stop calling me regarding this matter however a representative calls around once a month still. 

I have just received a letter in the mail from the company attempting to yet again collect the debt that is no longer owed. They have also filed a remark on my credit reporting regarding the debt despite me previously disputing this debt and having it removed from my credit report.
Consumer complaint received 2020-08-08
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (AZ)

I purchased my 4-plex apartment building in XXXX, with a mortgage from XXXX XXXX XXXX XXXX XXXX. Less than a year later, the country experienced the XXXX " crash ''. 

Since then, the mortgage has been handed off and sold to many other companies, including XXXX, and XXXX. Though I unsuccessfully requested a Loan Modification from XXXX years ago, it has never been refinanced, and my original interest rate of 8.375 % ( an ARM ) still remains. 

On XX/XX/XXXX, I received an invitation to lock in a lower payment by my current company, PHH Mortgage. Invitation attached. When I didnt respond, I was sent a second invitation two months later, on XX/XX/XXXX. 

At the end of XXXX, I found it necessary to streamline my monthly expenses because the main source of income, a community center, had disappeared due to the venue being closed by our governor, due to COVID-19. Ms . XXXX XXXX XXXX processed my refinance application by phone, and I was offered a {$60.00} per month loan payment reduction with a 4.750 % interest rate, which would cost me {$9000.00} in fees and closing costs. I was surprised, as this offer was extended by my current company. Attached is a copy of the Acknowledgment of Receipt of Loan Estimate, and three ( 3 ) pages of the Loan Estimate and Closing Costs. 

In order to streamline application time and causing a Hard Hit on my credit reports, I had requested, up front, the banks fees and closing costs, which she said she didnt know. However, they were supplied to me an hour later, at the end of the phone call. 
Ive been told by another company that the current 8.375 % interest rate is not appropriate or legal during this COVID-19 pandemic time. Im therefore requesting an investigation into PHHs practices.
Consumer complaint received 2022-11-05
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. (NV)

1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? whe was last activity of the acountff i need accurate data points I have been sick with covid for a year and alot of abuse was done to my credit15 U.S. Code 1681i - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Accounts - negative accounts - Summary Equifax XXXX XXXX Last Updated XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX Payment Status Pays account as agreed Paid or paying as agreed Current account/was 30 days past due date Worst Delinquency 30 days past due None Reported 30 days delinquent Balance {$11000.00} {$11000.00} {$11000.00} Credit Limit {$11000.00} {$11000.00} {$11000.00} Credit Utilization 101 % 101 % 101 %
Consumer complaint received 2020-08-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Literally every single day for the past four months, I have received a call on one of my phone lines XXXX XXXX and XXXX ) from Portfolio Recovery Services. When I answer the call, the person on the other line either disconnects the call or asks for XXXX XXXX. While my name is XXXX XXXX, I am not the person they are trying to reach. They are trying to reach my father who has the same name. I tell them this, and they assure me they will remove them numbers from their database. And then the situation repeats the next day. 

Each time I conclude one of these calls, I block the phone number they called from, but it does no good because they call from a different number the next day. To date, I have blocked a total of 133 numbers from 19 different states between two phone lines. I sincerely doubt that Portfolio Recovery Services has operations in 19 states across the country, so this in and of itself is deceiving. 

I want both of my numbers removed from Portfolio Recovery Services database and the calls to immediately stop. There is simply no excuse to harass someone on a daily basis, calling from a different phone number each time so that the person on the receiving end of these calls is essentially left to suffer the continued annoyance. And Im not even the person theyre trying to reach!
Consumer complaint received 2020-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (PA)

There was two accounts opened for a Car loan for XXXX XXXX XXXX   and XXXXXXXX XXXX that has been disputed under identical theft, but still remains on my credit report after multiple disputes, Ive given them the police report numbers and also the FTC filing numbers stating specific sections of the FCRA mailed to them registered returned mail
Consumer complaint received 2020-08-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

The problem is that I have inaccurate information reporting to my credit report thats affecting it negatively. I have my proof attached to this complaint also so please take the time to look over it
Consumer complaint received 2022-09-15
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. (IL)

Hi I am submitting this 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 21 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 2020-08-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (GA)

The only three things negative on my credit is medical and one that I have no clue about on my behalf. I was a victim through the IRS in XXXX or XXXX. I was contacted by the IRS and now I have to wait for a code in order to do my taxes. I dont know what to do anymore and Im trying to buy a home for my children and I but cant due to my credit being destroyed.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

" I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of XXXX XXXX data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
I hereby notify you to ensure the accuracy of all your claims, as mandated by the XXXX XXXX reporting standard. 

Please ensure your reporting is truthful and fair, or remove it permanently. Furthermore, as you investigate the legitimacy of injurious accusations against me, note the suspected reporting shortcomings below so that you can align with federally mandated fair reporting practices in your final decision.
Consumer complaint received 2020-06-17
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2020, I called Kohl 's to find out what the pay off on my account would be. Unfortunately, I had been delinquent in payments due to divorce finances. I spoke to a Kohl 's representative who removed some late charges and told me the new balance. The representative took my payment over the phone via my debit card. To my disappointment, I discovered Kohl 's had charged me a {$1.00} on my account despite the payment of {$1300.00} being payed immediately to the representative over the phone. I discovered when my credit report that Kohl 's showed an outstanding balance of {$1.00} that was now showing 90 days delinquent. On XX/XX/2020, I called Kohl 's financial services and spoke to both a representative and supervisor. A case was opened by Kohl 's to investigate this {$1.00} discrepancy. On XX/XX/2020, I followed up on the investigation with Kohl 's. When I called the automated system told me my account balance was {$0.00}. The representative I initially spoke with, told me the investigation was resolved and a letter was sent to me on XX/XX/2020. I explained the letter had not arrived and requested another copy be sent. I was told be the representative she could not send another one. I asked to speak to a supervisor. The supervisor told me the case had not been resolved and the first representative did not read the codes in the computer system correctly and that even though Kohl 's had " reversed '' the {$1.00} interest charge the case was still open and not resolved, therefore, they had not sent a letter saying they were in error. I requested to speak to this persons supervisor and was disconnected in the process and sent to the Kohl 's customer satisfaction survey. At this time, I have not received any documentation from Kohl 's admitting their error! This {$1.00} error on Kohl 's part continues to negatively impact my credit. I could sure use some help in resolving this issue. Thank you!!
Consumer complaint received 2020-06-17
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (MI)

The company Procollect , INC has placed a collection on my Credit Profiles for a lease that I never had. I've never lived in XXXX, MI and they can verify that from my credit reports and my driver 's license that is registered in XXXX, MI. I've tried repeatedly to get these people to send me proof and evidence of my debt but they refuse to send me anything and refuse to settle or remove this so called obligation. I do not owe this amount period.
Consumer complaint received 2020-08-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (FL)

Td bank. Sevond time There fruad depart called to letcus know potential fraud been attemted in nevada but were in florida. So we cloed it .they cost us hindreds.in overdraft ans late fees.so the bank mnager gave us his word that only the 2 pending items will keep it open, nothing ekse will be able to ach or pending be able to go through, same thing they tolb d us last time. 2 days later a ach comes out of our closed account that has no money, so they take it out of our new account with a differnt account # and the company that took the ach out didnt even hsve our new account # s so i rush to atm to see if i can still possiby get that ach back and it ket me.now there calli g me every day, firsf ever apolgy letter ever gotton from TD.waved all overdraft and fees.but they still want me to pay for the ach i didnt authurzie and another bill i didnt authurize.out of a closed account .for there mistake
Consumer complaint received 2020-08-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

On XX/XX/XXXX I submitted this request to my mortgage company. Mortgage company name is : Shellpoint Mortgage now known as NewRez Financial Since XXXX of XXXX, my wife and I started a repayment plan to fulfill according to the mortgage company, a past due amount of {$12000.00}. The initial payment of {$4000.00} we paid in XX/XX/XXXX ; the monthly payments were {$3100.00} which includes regular monthly payments of {$2500.00} plus {$630.00} for 12 months. In XXXX of XXXX due to COVID19 we requested a forbearance regarding the mortgage payments we were approved. Starting XX/XX/XXXX, 3 payments were made ( XXXX {$1200.00}, XX/XX/XXXX {$1200.00}, XX/XX/XXXX, {$1500.00}, and XX/XX/XXXX, {$2500.00} ) Keep in mind no payments were required during the forbearance period.
Consumer complaint received 2020-06-17
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: Experian Information Solutions Inc. (NY)

Someone got my XXXX XXXX card and used it, Ive been trying for a very long time to Disput this account, which they had removed the negative items from my credit report and then put it back, this is very unfair to me
Consumer complaint received 2020-06-17
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: EQUIFAX, INC. (NY)

Someone got my XXXX XXXX card and used it, Ive been trying for a very long time to Disput this  account, which they had removed the negative items from my credit report and then put it back, this is very unfair to me
Consumer complaint received 2023-01-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TRUIST FINANCIAL CORPORATION (IL)

Incident Description I have been a victim of identity theft. My old apartment at XXXX XXXX XXXX XXXX. I believe the current residence was getting old mail and using my identity to apply for credit card loans utilities and apartments. I have been constantly getting items in my name without my permission. I am not aware of any of these items on my report.
Consumer complaint received 2020-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

On XX/XX/2020, I sent Experian a follow-up letter requesting Method of Verification as they had verified an inaccurate account as being listed as accurate XXXX XXXX XXXX  XXXX. 

According to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. 

FCRA 611 ( a ) ( 7 ), which is used for such a request, states : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

Based on my certified mailing tracking record number XXXX Experian received the letter on XX/XX/2020. It is now XX/XX/2020 and I have received not received their Method of Verification within 15 days of my request. By not replying in a timely manner to my initial letter Experian has not only violated federal law, but has also failed to provide me with a copy of any viable evidence showing the account is being reported accurately.
Consumer complaint received 2020-08-08
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. (MI)

My lender ( XXXX ) has been trying to get my equifax credit report, XXXX XXXX and my XXXX XXXX from equifax. But the lender keeps getting a error code .it says they can't verify the information or they can't find me with the information provided. I've contacted equifax 5 times and there saying I dont have a fraud alert or freeze on my credit profile and the lender should be able to pull my credit. But thats not the case.ive been trying to get this matter handled since XX/XX/XXXX ... why can't lenders access my equifax credit report??
Consumer complaint received 2020-08-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (NV)

I had taken out an auto loan in XXXX and i had purchased gap coverage. When the vehicle began totaled they tried changing the term of the agreement stating that because the loan was behind on payments the gap coverage doesn't cover the whole loan. Which I don't understand because gap insurance wasn't purchased through them. On XXXX XXXX I had a vehicle become totaled by a accident. I provided all necessary information to the financial institution credit acceptance to process for GAP. The company came back a month and a half later stating they received the payment for XXXX they paid {$7900.00} and gap only paid {$5300.00} leaving a balance of {$3400.00}. We asked several times in XXXX why was there still a balance when we had GAP they said because the vehicle was behind on payments and GAP wouldn't cover the whole thing. We reached out to the GAP company to find out why only a portion was paid. They stated they paid what the finance company reported to them and would have paid the entire amount, but was only given {$5300.00} which they paid. In XXXX they sent the account to a law firm for collection. We have been unsuccessful in resolving this issue.
Consumer complaint received 2020-08-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (IL)

Target 's store Red Card is reporting that my bank account has an " invalid '' Routing Number. When I called in to support they said they don't let you pay with " Online Bank Accounts ''. I have no had issues paying with XXXX XXXX, XXXX, or XXXX XXXX XXXX   XXXX, and there is no difference between those and the XXXX XXXX XXXX XXXX and should not be a way for them to XXXX customers who are just trying to pay their bills with US Dollar tender in a valid US bank.
Consumer complaint received 2020-08-09
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: XOOM CORPORATION (CA)

xoom they restrict my account transactions. Say let me authenticate. I called and emailed. No one answered the first call at night. I need XXXX XXXX and I always reply by email. Unable to verify my account. I got through the phone today. They still said they couldn't verify. I asked them why. They didn't say. They didn't tell me what I need to do. Finally, I told I don't want to use their services!
Consumer complaint received 2022-10-28
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. (CA)

FROM CFPB WEBSITE : You can shop around for a mortgage and it will not hurt your credit Within a 45-day window, multiple credit checks from mortgage lenders are recorded on your credit report as a single inquiry. This is because other creditors realize that you are only going to buy XXXX home. You can shop around and get multiple preapprovals and official Loan Estimates. The impact on your credit is the same no matter how many lenders you consult, as long as the last credit check is within 45 days of the first credit check. Even if a lender needs to check your credit after the 45-day window is over, shopping around is usually still worth it. The impact of an additional inquiry is small, while shopping around for the best deal can save you a lot of money in the long run. Note : the 45-day rule applies only to credit checks from mortgage lenders or brokers ' credit card and other inquiries are processed separately. 

Experian, XXXX, and XXXX are not honoring the 45 day rule. I shopped around the week of XX/XX/XXXX - XX/XX/2022 with XXXX different banks. I now have XXXX different inquires and the credit bureaus will not remove the other XXXX, and the worst part about it it lowered my credit rating over XXXX points! 

Please help.