davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (SC)

On XX/XX/2020 I noticed on my bank account that a pending draft of " retry payment '' from Quicken Loans ID XXXX would be processed on XX/XX/2020 in the amount of {$830.00}. I contacted Quicken Loans and ended up being called back from " XXXX '' from the executive team. She advised that the original draft on XX/XX/2020 came back as insufficient funds from my bank, XXXX XXXX XXXX XXXX XXXX. I advised that was not so and that the payment on XX/XX/2020 cleared and posted on my bank account on same day. Also advised that the payment was showing on my Quicken Loans online account. XXXX stated that none of that was showing on her end. She said the only thing showing was the transaction did not complete due to insufficient funds. XXXX then called XXXX XXXX XXXX XXXX XXXX who confirmed that the payment on XX/XX/2020 did clear and post for {$830.00} Quicken Loans ID XXXX. XXXX then told me show would be contacting payment processing department to stop the retry payment for XX/XX/2020. She advised that it was possible there would not be enough time and the payment would go through. If that was the case I was to call back. On XX/XX/2020 the retry payment of {$830.00} did in fact clear and post on my bank account. I contacted XXXX again who again called XXXX XXXX XXXX XXXX XXXX. XXXX then proceeds to check the first payment again and then confirms about the second payment coming out. The representative from the bank tells XXXX that both payments did clear. XXXX was not satisfied with the answer and told the representative to look further into the matter. The representative contacted their payment processing department and they also confirm that both payments cleared and posted from Quicken Loans ID XXXX. XXXX then tells me that this would need to be further investigated, that neither first or second payment was showing on her end. She stated that it could take another several days to look into the matter. I advised her that for one this is a mistake on Quicken Loans and that I was not prepared for an additional unauthorized payment of {$830.00} to come out of my bank account. I also told her this has completely compromised my finances. XXXX claims that nothing is being shown in Quicken Loans system of the payments. This is very odd when I can see in several places on my online account that the payment was made on XX/XX/2020. Still awaiting for the second payment post on my online account, though it has already cleared and posted with my bank.
Consumer complaint received 2020-06-13
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: Convergent Resources, Inc. (FL)

HIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! THIS ACCOUNT IS NOT MINE! 
THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND THEY HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency.

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


A DELETION OF THIS FROM MY ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. I need this Account removed to be eligible to buy a house have a heart and remove it please.
Consumer complaint received 2020-06-13
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)

This document is for fraudulent accounts opened in my name using my personal information without my authorization or permission. 
I am a victim of identity theft and did not open these mentioned accounts. 
I am a victim of the XXXX  data breach state issued id have been compromised and my social security has been also obtained. 
My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. 
I am not responsible for any of these charges or accounts.
Consumer complaint received 2020-04-13
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: SYNCHRONY FINANCIAL (NY)

Synchrony Financial has a non-customer-friendly habit of letting its customers know about CD renewals too early ( about 6 weeks prior to maturity ) and then letting them know much too late that it's renewed ( about 15 calendar days after its renewed ).
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to file a formal complaint against XXXX regarding the inaccurate and fraudulent information listed on my credit report. I have attached copies of the letters I previously sent to XXXX addressing these issues, along with all necessary documentation to support my claims. 

The accounts and addresses that do not belong to me are severely damaging my credit score. Despite submitting all required documents and evidence in my dispute, XXXX has failed to permanently block these fraudulent items from my credit report. This not only violates my rights but also constitutes a violation of the law. 

As a result of these fraudulent items, I am facing significant difficulties in my financial life. I am unable to qualify for credit to purchase a home or a vehicle, and I can not afford to enroll my children in XXXX  programs due to the impact on my creditworthiness caused by these inaccuracies. 

I have provided information to XXXX numerous times, yet they continue to willfully break the law by allowing fraudulent items to remain on my credit report. Additionally, XXXX has refused to remove incorrect addresses despite clear evidence proving that I never lived at these locations. 

XXXX has also exceeded the four-day timeframe required by law to permanently block and remove these fraudulent items. Their negligence and disregard for the law are unacceptable and have caused me significant financial and emotional distress. 

I kindly request that the Consumer Financial Protection Bureau intervene in this matter and ensure that XXXX promptly removes these fraudulent items from my credit report. Your assistance in resolving this issue would be greatly appreciated. 

Thank you for your attention to this matter.
Consumer complaint received 2020-06-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Regional Management Corporation (TX)

On XX/XX/2020 I received a call from a woman who identified herself as an employee of Regional Finance and inquired when I will be paying the loan they have in my name. I never took a personal loan from Regional Finance and had never heard of the company so I told the woman exactly that. She nonchalantly told me " ok I'll transfer you to fraud '' as if this happens every day! XXXX XXXX answered the phone for the fraud department. She informed me I need to fill out & get notorized an affidavit stating I had no involvement with the loan and give her a copy of my license and a police report. So I did all of that the same day ( XX/XX/20 ). I also filed a dispute with XXXX. 

About 2 weeks later I received something in the mail from Regional Finance. When I opened it I discovered it was a packet asking me to get an affidavit signed and notorized stating I had nothing to do with the loan. At this point I can only assume XXXX did nothing with the information I gave her. I called Regional Finance to ask them if they had any information or status on the dispute I already filed -- there was no one there because of COVID-19. So I filled all the paperwork out once more and mailed it to Regional 's HQ in XXXX, SC. 

On XX/XX/XXXX I was informed that XXXX  deemed my loan as " accurate ''. There is no information as to how or why that happened. There is no one available for a phone call. Their " help bot '' only directs me to the dispute center when I try to receive more information. So I filed another dispute. On XX/XX/XXXX, I also lost that dispute. 

At this point I filed a complaint with the Texas Attorney General and waited to hear back. It is now XX/XX/XXXX and I have heard nothing ; but I received a notice that " my '' Regional Finance account has been updated to delinquent status. I did not take out this loan so I will not pay for this loan. 

I need this removed from my credit report and rectified immediately.
Consumer complaint received 2020-04-13
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. (GA)

I am writing this due to non-compliance with the CRA ( Experian ). They have failed to provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they failed to provide the method of verification as required under Section 611 ( a ) ( 7 ), which includes, but not limited to the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when they initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. Experian said that they will not reinvestigate the accounts in question that I have attached with this complaint. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. The company came back and said that the accounts are accurate but have not produced any documents. I wrote them, along with a copy of my credit report outlining the inaccurate information. I don't believe that they did a proper investigation in this matter. These were some blatant inaccuracies and violations on my credit report per FCRA. My report # is XXXX Note : This is my second complaint.
Consumer complaint received 2020-06-13
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: EQUIFAX, INC. (MI)

On XX/XX/XXXX my identity was stolen to purchase a cell phone at a XXXXPrior to my stolen identity, My credit score was about XXXX with equifax.Because of covid 19, my credit score went down.Now that my identity was stolen to purchase a cell phone my credit score went down again to XXXX.I disputed the XXXX account/trade line many times.Finally, after XXXX did there investigation, they found that my identity was stolen and issued me a letter.I sent the letter to Equifax disputing the unathorized account again.Recently, equifax finished there investigation and deleted the account on my credit report ( confirmation No. XXXX ) .Now that the XXXX account was deleted, My FICO/credit score stayed the same.My FICO score should have immediately gone up because of the  Deleted trade line
Consumer complaint received 2020-04-13
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Pendrick Capital Partners (TX)

During my senior year at XXXX University, I became very ill and had my roommate take me to the emergency room at XXXX Hospital on XX/XX/XXXX. I was in the hospital for five days with an XXXX XXXX I was under my mother 's insurance at that time ( XXXX XXXX XXXX XXXX ), which I had in my possession ( Medical   Insurance card ) at the time of admission. At that time my legal mailing address was my parents home. On or about XX/XX/XXXX my parents received a collection letter from Affiliate Asset Solution, LLC. it stated that I owed {$XXXX} for services dated XX/XX/XXXX. My mother inquired about this XXXX XXXX XXXX XXXX, who is with, " XXXX XXXX XXXX XXXX '' ; and the original Account # XXXX. The insurance do not have a claim filed for that Dr. on that day, or any other day. XXXX stated, " Dr. 's have 12 months to file a claim for services '', after that the insurance co. and patient are not liable for payment. I don't remember this Dr., but then I was on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I'm still making payments to the hospital. After my mother called Affiliate to find out more about this bill ; I started receiving phone calls from them. Last week it was every day, they even offered to take half the amt., if I pay now. My mom contacted XXXX Hosp., and they said this Dr. no longer works there, and they haven't seen him in a long time.They also told my mom that there was another complaint involving this hospital and XXXX XXXX XXXX XXXX XXXX Also, my first name is misspelled on the collection letter. 
Thank you for your time.
Consumer complaint received 2020-06-13
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: Santander Consumer USA Holdings Inc. (OH)

Ive found several errors on my credit report that I've disputed several times with no change to my credit reports. It's my understanding that as a contracted data furnisher, youre legally required to only report AUD cerified completely accurate information according to the FCRA and reporting inaccurate incomplete information across the credit reporting agencies is a violation. 

SantanderConsumer USA Account # XXXX Santander Consumer USA Please be advised this is my Third WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify and validate that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 
I'm not accepting a statement of this account being verified and validated, but would need validation verification. 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
Consumer complaint received 2020-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (SC)

XXXX previous complaint number. 

This issue was to be fixed after be restricted for 6 months. 
Still can not use card. Tried to make a charge and declined twice. Contacted Apple Card after about half hour and a few different people no one knows anything or could fix it said they would work on it. Still not heard back
Consumer complaint received 2020-06-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (VA)

During Covid my husband who is the primary and Im the cosignor called XXXX  XXXX asking for payments to be deferred because Im XXXX XXXX and he is military. Im the head of household. XXXX XXXX stated they would review and not to worry and this was XX/XX/XXXX roughly. We never heard back until we received a late notice letter stating we were 40 days late. We called again on XX/XX/XXXX and a representative apologized stating she would send a letter for us to sign asking for the deferment. No letter was ever sent as of XX/XX/XXXX. We called the morning of XX/XX/XXXX to learn that representative did nothing as of yet and our account is now 59 days late. We spoke to someone named XXXX XXXX who stated he was a supervisor in collection XXXX id number. He stated he would now forward to the office of the president but wouldnt provide us with a contact number to follow up. As a cosignor no one called and he stated I requested that no one called me. I advised that was false due to my husband being in military I have to be called which I argued with then about that 2 years ago when he was XXXX and that never called me. We really need help. It appears they are doing us harm again with this tactic. They are rude and have impacted my finances as a business owner by not helping him while ruining me with the passive comments such as we dont know why they didnt mail it. Please help In addition, in summer of XXXX my husband provided them with his XXXX letter and as a result missed a payment l. He showed a letter from his commander. They stated that it wasnt good enough and reported both of us to the credit bureau. I got involved because Im the cosignor and they never called me. I complained and they told me that they would later notify me moving forward. Ironically they did even when payments were made or etc thereafter. Suddenly they have me as a no contact for XXXX. Ive been trying to still address that XXXX issue since XXXX. The recent incident with covid relief is now impacting us for this company purposely has failed to do thier job after speaking to us on a recorded line, per the representatives, to provide us with help. We no longer can deal with this company and now must find legal help
Consumer complaint received 2020-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA (NY)

This document is for fraudulent accounts opened in my name using my personal information without my authorization or permission. 
I am a victim of identity theft and did not open these mentioned accounts. 
I am a victim of the XXXX data breach state issued id have been compromised and my social security has been also obtained. 
My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. 
I am not responsible for any of these charges or accounts.
Consumer complaint received 2020-06-13
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (TX)

This complaint is in reference to Pioneer Credit Recovery Inc., and the company they represent, XXXX XXXX XXXX XXXX. On XX/XX/2020 I pulled a copy of my credit report to find that there is an additional balance for the same account yet only one balance listed on the statement I received in the mail. I also noticed that the account has an opening date listed with XXXX   and XXXX  but missing an opening date for XXXX  and showing the account as closed. I contacted the debt collectors ( Pioneer Credit Recovery Inc. ) and requested proof of validation on the  account. I also asked that all collection efforts cease and desist. In return I received a copy of an itemized list of the same information that I disputed and a copy of a promissory note from XXXX XXXX XXXX XXXX. In review of the itemized list I noticed that there was a difference in the total balance and interest balance listed. On the statement dated XX/XX/2020 one part of the list showed the interest balance as {$580.00} and the other part of the statement showed the interest balance as {$700.00}. The statement also showed one part of the total balance as {$8100.00} and the other part as {$8300.00}. I then contacted Pioneer Credit Recovery Inc. requesting more proof of validation and I did not receive a response within the 30-day validation period. I made a final attempt at obtaining sufficient proof of validation on the account but was unsuccessful. I also requested that the inaccurate, misleading, invalidated account is removed but received no response to that request as well.
Consumer complaint received 2020-04-13
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: Trident Asset Management, L.L.C. (MD)

On XX/XX/20 I sent a certified letter to Trident Asset Management about a account that was not my debt. I also asked that they send me original documentation and signatures binding me to this debt. I have never received a reply providing me with the information I requested.