davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (CA)

Wednesday, XX/XX/XXXX I was called by somebody saying that I owed money and somehow was sent to collections for my phone bill at XXXX XXXX, but I called my phone company and I know its a scam. They have called me multiple times a day. I looked up the name that they use Creedence resource management and I could find A bunch of stuff about them online scamming other people also comments that were suspicious saying it wasnt a scam seemingly all from the same person. Another person on the XXXX XXXX XXXX website pointed this out. They really pushed for personal I formation and wouldnt identify themselves
Consumer complaint received 2023-05-12
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. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that I did not authorize. I contacted the companys and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as I am trying to start this a new job that these issues are making more difficult than it should be.
Consumer complaint received 2020-03-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc. (MA)

On or about XX/XX/2020, my auto loan was purchased by Santander Consumer USA. With my previous lender, I had been submitting extra payments monthly by mail as principal only payments. 

A payment of this type was mailed to the original lender on XX/XX/2020. It was clearly marked as principal only and was forwarded to Santander. It was credited to my account on XX/XX/XXXX and back dated to XX/XX/XXXX. Instead of being applied to the principal, the payment to date shows as an additional monthly payment. 

As a result, I have been charged extra interest. Also, my auto pay shows no payment due until XX/XX/XXXX, even though the next payment was due today, XX/XX/XXXX. 

After numerous contacts via chat, email, phone and secure message over the past 2 weeks, the issues remain unresolved. Each time I make contact, I request to be escalated either to a supervisor or a decision maker. Each time, I am told that is not possible. 

To further complicate the issues, I have received contradictory information about making extra principal payments in the future. One representative told me I could make the payments online and another said they had to be mailed. The latter did not provide a mailing address. 

The fix is simple but the bank has made no effort to date to resolve the issues.
Consumer complaint received 2020-03-26
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. (AR)

I was informed by my banker ( of 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. I do not know anything about the items. Please remove these fraudulent accounts form my credit file immediately. 

XXXX  XXXX {$170.00} XXXX  XXXX  XXXX {$4900.00} XXXX  XXXX {$760.00} XXXX XXXX XXXX XXXX {$4600.00} XXXX  XXXX  XXXX {$51.00}
Consumer complaint received 2020-03-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

To Whom This May Concern : on XXXX XXXX I asked my mortgage company '' could i get an extension on my mortgage payment, because i was laid off due to the convid-19 virus. And I wanted to make sure that I wouldn't get reported to the credit bureau as a thirty day late payment. I was told that " all thirty day late payments are reported to the credit bureau and their 're no exception! At this time i have no income and not sure when i will be returning back to work, so I'm concern about my loosing my home, as well as " bad credit rating!.
Consumer complaint received 2023-01-30
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. (NY)

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
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by Transunion. I submitted a complaint to Transunion regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, Transunion is legally obligated to respond within 30 days of submission. However, it has now been 30 days since my complaint was filed, and I have not received any response from Transunion. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that Transunion address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2020-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

Once again I find myself in with nowhere else to turn but CFPB due to credit agencies not acting on requests that they by law they're own policies are NOT doing. This is truly become a never ending nightmare in a time when the world is in crises and financial institutions, credit agencies, lenders and EVERYONE should be trying to help each other and NOT continuously make things for difficult than they need to be. This has become a near daily occurrence and the damage that is causing to my ability to survive financially is more difficult which like millions of others, causes more people to take more risks, life and death risks that even in the predatory lending and " bought and paid for '' credit reporting agencies are literally putting peoples lives at risk, and is beyond comprehension why these companies are not trying to help people survive instead of, by blatant disregard for the statutes, doing the exact opposite. What is it going to take for these companies to actually help people? So, anyway I sent written requests to all credit agencies to remove my fraud alert since all the fraudulent activity had been cleared, and the continuation of the alert was being cited as reason for denial of credit. Not only did this cause me the inability to get financial assistance to survive, but actually did more damage to report making things even more difficult. I received a notice from XXXX  XXXX XXXX  that my application was denied do to the alert on my EXPERIAN account witch I had sent all the documentation forms etc to have the alert removed. The documents etc were confirmed delivered by the USPS, but the alert remains and I have not even received a notice from EXPERIAN that they're own policies state, upon receipt of forms, identity verification etc, the alert will be removed immediately. THIS IS NOT WHAT IS HAPPENING! We are all on the same team here, team humanity, please help and not hurt for XXXX 's sake! AND I am begging you to please NOT send the standard " still working on it '' response. This is your way of delaying the action for 60 days and who knows where the world will be in 60 days. Please help us!
Consumer complaint received 2020-03-26
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX  XXXX {$300.00} US DEP ED XXXX {$23000.00} XXXX XXXX XXXX {$1000.00} US DEP ED XXXX {$1700.00} XXXX/XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX {$520.00} XXXX   XXXX {$0.00} XXXX/XXXX  XXXX {$510.00} XXXX/XXXX  XXXX {$840.00} XXXX   XXXX  XXXX {$65.00} XXXX  XXXX {$0.00}
Consumer complaint received 2020-04-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

an account was added to my credit report w by a debt collection agency that i never even had original name XXXX from XX/XX/XXXX which i never even had an account with this bank i closed all of my credit cards in XX/XX/XXXX the company is Portfolio recovery and they keep changing the dates regularly every 6 to 8 months and under the credit reporting act in california after 3 years they are to be removed and that is why they change the dates regularly and a second company XXXX XXXX  is also doing exactly the same thing because neither one of these companies are located in california
Consumer complaint received 2020-03-26
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX  XXXX {$300.00} US DEP ED XXXX {$23000.00} XXXX XXXX  XXXX {$1000.00} US DEP ED XXXX {$1700.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX  XXXX {$520.00} XXXX   XXXX {$0.00} XXXX/XXXX  XXXX {$510.00} XXXX/XXXX  XXXX {$840.00} XXXX   XXXX  XXXX {$65.00} XXXX  XXXX {$0.00}
Consumer complaint received 2020-03-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SIERRA PACIFIC MORTGAGE (IN)

My close date is Friday XX/XX/XXXX and I was expecting a 3.625 % interest rate per a XX/XX/ email from my lender at Sierra Pacific Mortgage. On Monday XX/XX/XXXX I was texting my lender asking if rates had dipped due to news about the Coronavirus he  said no. Then I said at least we are locked in at 3.75 %. Thats what I said but in reality shouldve been 3.625 %. He never mentioned anything. A similar conversation took place a few more times and the issue was always skirted. I understand that this is my responsibility to make sure I am locked but I assumed all was good by him not mentioning it. Anyway, last Friday XX/XX/XXXX when it was to till late for me to turn back on my closing ( would blow the whole sale ) he tells me rates spiked to a 5.75 % and tells Me we never locked in. Never once said anything to me about not being locked in, although he will tell you he offered several times. Any email or text chain I have would suggest otherwise. I asked for no closing costs to offset the over {$500.00} increase in mortgage payment from what I was expecting and he said he wouldnt do it. I also contend that nowhere is their a rate anywhere close to 5.75
Consumer complaint received 2020-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (HI)

On date of XX/XX/XXXX Wells Fargo Bank issued check {$25.00} mail out to me reference number XXXX, check number XXXX and I did mobile deposit to XXXX XXXX XXXX  on date XX/XX/XXXX. Date of XX/XX/XXXX XXXX XXXX mail me for notice of return check and copy of mobile check with charged {$10.00} for return check from wells fargo bank. 
I called wells fargo bank XXXX many times and they said, that check was cashed out some one. I told them I has original check and check is on my name, who can cashed check? they said, will mail out proof of cashed 2 weeks ago but I never got it. 
I called again with same issue but same story go on, will mail out. 
wells fargo bank need to pay me {$35.00} including {$10.00} loss for they returned check. 
They answered same things all the time nothing more explained about situation. 
They must find out who cashed instead of me but they don't and don't care. 

I need to help, Please My e mail is XXXX Thank you
Consumer complaint received 2020-03-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JMAC LENDING INCORPORATED (AZ)

We had been approved for a 30 year jumbo mortgage with XXXX XXXX. XXXX XXXX from XXXX XXXX  ordered an appraisal and an appraisal was done. Before the appraisal was submitted, after all the work on it was completed, XXXX XXXX cancelled the appraisal. The appraisal company charged us {$750.00} for the appraisal and said we can get a refund of only {$150.00} because the appraisal was done. XXXX   XXXX  stopped the appraisal because they decided after lock and approval, even after ordering the appraisal that they were temporarily suspending Jumbo mortgages. They then indicated we could start again and accept a higher rate if we would like. Choosing not to honor the 3.375 rate and switch us to a 4.25 rate is wrong as we had a lock and there was still 2 weeks left  on it at the time. This disposition is simply fraud and proven by the fact that we can continue with them right now at a new higher rate. We are out {$600.00} and feel violated. This is unethical! We have proof and a paper trail for all of this. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (FL)

I cancel this policy with progressive having already at the time that they bill me with this amount insurance with XXXX and even do I send them prove of new insurance and cancellation letter they still send me to collections and keep trying to get money from me and I dont owe nothing to this company at all.
Consumer complaint received 2022-12-28
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. (SC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 
I have already disputed these items on XX/XX/2022, but the bureaus did not remove them nor did they prove validation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-05
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. (TX)

Equifax will not produce my score and this is preventing my home mortgage to approve. I wait on hold for over an hour then Im disconnected, or once I did talk to someone and they didnt understand why it wasnt reporting. This is insane!
Consumer complaint received 2022-12-29
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. (TX)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-05
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: Experian Information Solutions Inc. (FL)

For several months, i have asked the bureau to provide me with proof that the unverified account belongs to me. i have asked several times, over several months for them to produce me with documentation that bears my signature, that shows a binding agreement by myself and the creditor on my credit file. The bureau has failed to provide documentation and only respond back with a generic " verified '' response. They havent indicated how it was verified, or whom they spoke with and what information was shared with them that shows it is verified. i believe that this is in violation of my rights. I believe this is in violation of FACTA & FCRA.
Consumer complaint received 2020-04-05
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. (FL)

For several months, i have asked the bureau to provide me with proof that the unverified account belongs to me. i have asked several times, over several months for them to produce me with documentation that bears my signature, that shows a binding agreement by myself and the creditor on my credit file. The bureau has failed to provide documentation and only respond back with a generic " verified '' response. They havent indicated how it was verified, or whom they spoke with and what information was shared with them that shows it is verified. i believe that this is in violation of my rights. I believe this is in violation of FACTA & FCRA.
Consumer complaint received 2020-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (AR)

I have been a Ford Motor Credit ( Account # XXXX ) customer since 2018 and during that time, I have enjoyed my experience with Ford Motor Credit greatly. I am writing to see if you would be willing to make a goodwill adjustment to your reporting to the three credit agencies. I have one late payments on the above referenced accounts that date back to 2018. Since that time I have been an exceptional customer paying early every month. 

Because of my exceptional payment history over the last 2 years, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was a XXXX XXXX college student without a job. I say that not to justify why the payments were late, but rather to show that the late payment are not a good indicator of my actual credit worthiness. I hope that Ford Motor Credit is willing to work with me on erasing these marks from my credit reports. 

I have been a very happy customer in the past and hope to continue a long relationship with Ford Motor Credit. With  todays credit industry so competitive, I know how important it is to maintain good relationships with customers. Ford Motor Credit has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why Ford Motor Credit is heads above the rest. I look forward to your reply.