davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-07
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. (CA)

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The accounts I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$720.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$640.00XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$150.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Balance : {$550.00}
Consumer complaint received 2021-10-11
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CarMax, Inc. (CT)

CARMAX AUTO FINANCE ACCOUNT XXXX AMT OWING {$2900.00} THEY REPORTED ME LATE XX/XX/XXXX AND XX/XX/XXXX. I LOOKED INTO BOTH PAYMENTS AND THEY WERE PAID BEFORE THE 30 DAY MARK. CARMAX WAS NOT POSTING MY PAYMENTS AND GIVING ME CREDIT ON THE DAYS I PAID, THERE WAS MULTIPLE DELAYS FROM THEM POSTING PAYMENTS FROM THE DAY THE ACTUALLY RECEIVED WHICH LEAD TO THESE 2 PAYMENTS BEING LATE. THEY INVESTIGATED A FEW OTHERS FOR ME THAT WAS LATE AND CORRECTED THEM BUT THESE 2 HAVE YET TO BE CORRECTED
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-01-07
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: WLCC (FL)

On XX/XX/2020, I got a loan with XXXX company. Because I need the money to pay some bills, then my work hours was reduced from 37.5 to 20 hours maximum. They attempted to collect money from my chase account for a amount of {$240.00}, more of I was told they told me {$200.00}. On XX/XX/2020, I received a email from my Job payroll department about XXXX XXXX in the amount of {$1700.00} and we are XXXX. This amount is to high for what I was told {$1100.00}. Also they say is XXXX garnished my paycheck but I search the number and the agency collector is Apex Servicing Debt Collectors. They Garnished my paycheck on XX/XX/2121, for {$220.00}, without my concern, without a court order, or any legal actions. They never contacted me either mail, email, cellphone or any other. My company provided me with a phone number to call which is the following XXXX but no response yet no one answers the phone, I search the number ending in XXXX and I found the following link https : //apexservicing.com/ and a complaint from the Washington State Department of Financial Institutions For Consumers and Employers that we would like to share for your information. The following company apex servicing  is being using some type of scan to contact not only me but others people employers and malicious garnished they paycheck. This article from the Washington State Department of Financial Institutions ( DFI ) can be found at XXXX XXXX XXXX I pay child support for my XXXX kids, I behind my rent, I behind my car loan payment I really need my money I dont saying I dont want to pay my debt but the amount is to high also getting in to my personal space like going to my employer directly without talk to me first.
Consumer complaint received 2020-12-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NC)

On XX/XX/20 I sent certified mail XXXX XXXX XXXX XXXX XXXX XXXX ) to LVNV ( Resurgent Capital Service ) requesting proof validation of this debt bearing my signature. They were unable to provide proof of this debt ; however, they sent a copy of any account statement which is not bearing my signature. I have made several attempts via certified mail. Dates of requests as follow :XX/XX/202Certified Mail ( XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/20 Certified Mail ( XXXX XXXX XXXX XXXX XXXX The original creditor was XXXX XXXX XXXX, XXXX XXXX XXXX  is also unable to provide validation of this debt. I have a current credit account with XXXX XXXX XXXX. 

I have also disputed this account with and neither credit bureau provides proof of this debt XXXX  on XX/XX/20, XX/XX/20, and XX/XX/20. Credit file # XXXX XXXX  XX/XX/20 Credit file # XXXX, XX/XX/20 Credit file # XXXX, and XX/XX/20 Credit file # XXXX. 
XXXX  XX/XX/20 Credit file # XXXX and XX/XX/20 XXXX. 

I also filed a complaint with CFPB, complaint # XXXX
Consumer complaint received 2023-03-06
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 sent the credit reporting agencies a letter on XX/XX/22 and they were required to enter a notice of dispute within 30 days of receipt to my accounts so that my creditors and anyone else pulling credit report will know that these items are being disputed by me, but they failed to do so. Section 623 stipulates that if this notice of dispute is not entered within this given timeframe, all disputed accounts must be deleted from my credit report for violation. I am including a list of my disputed items that do not report this requirement. I will attach the letter that was sent which is dated and time stamped along with the credit report showing that the credit bureaus failed to enter a notice of dispute. I can take this to court for legal action, but at this time I am only asking for the removal of the inaccurate late payments. Please remove the following late payments from these accounts immediately : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2021-01-07
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. (GA)

I Have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2021-10-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (MI)

Original loan was from 2004. I got a loan from XXXX for around XXXX an some change. The total payments was around XXXX over 15 years, for XXXX loan. So fast forward 15 years, actually 16 years and 11 months. According to One Main, the third company to own my note since 2004, tells me that I missed 14 payments, which is XXXX in payments, but have been paying on this account for an extra 23 months, which is XXXX. So I really don't understand the math system they are using, but I believe I overpaid XXXX. They are telling me I owe for Deferred Interest, which was never disclosed to me at anytime they was " helping me '' when I was having a financial problems. One Main will not close the account, reporting negative credit on my credit report. Now I have recently proved how they process payments, in which makes cense why I showing 14 payments pastdue. I made two payments in XXXX, for XXXX and XXXX. Two different transactions. Shows on my credit 30 day pastdue in XXXX and no payment made for XXXX. After this, I refuse to make any more payments on this leech account. My contract was XXXX, not One Main.
Consumer complaint received 2021-10-11
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. (NV)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-01-07
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. (CA)

I disputed this fraudulent account with Experian and they have not removed it from my credit report. This account is not mine. I recently opened a dispute with Experian on XX/XX/2021 and it came to a decision very quickly on XXXX of 2021. That does not make sense tor them to verify it that quickly.
Consumer complaint received 2022-12-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (FL)

In XXXX Asset Acceptance , LLC at XXXX XXXX XXXX XXXX MI XXXX filed suit against me Case in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in and for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Asset Acceptance acknowledge full payment of Final Judgement in Garnishment entered on XX/XX/XXXX for the Writ of Garnishment issued on XX/XX/XXXX, in the above-named Court against me, that was executed on XX/XX/XXXX. Asset Acceptance filed the same writ of garnishment in XX/XX/XXXX for the amount of {$770.00}, including accrued interest, under the same Case XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the case was argued on XX/XX/XXXX with Judge XXXX XXXX XXXX and ultimately dissolved, and was hereby ordered to cease and desist any further actions to garnish my wages ordered in XXXX XXXX XXXX Florida XX/XX/XXXX.
Consumer complaint received 2017-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (MS)

I recently started looking into my credit report because I plan to buy a house in the next year. When I pu lled my report I noticed multiple late payments shown under my student loans with FedLoan Services.  I called into the customer support line  XXXX   XXXX ,    2017 and inquired about the late payments. The associate confirmed my loans were deferred or in forbearance at the times of the reported late payments. Since there is no way to report my loans as current and late at the same time I requested the derogatory information be removed from the my reports. The associate informed me FedLoan Services would n ot be able to do that. I have sent letters to the company and am currently awaiting a reply.
Consumer complaint received 2021-10-11
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: Experian Information Solutions Inc. (PA)

Over the past year Experian has stopped showing any of my creditors on my credit report. This is causing my credit report from Experian to show up to creditors as a " Thin '' credit file. I have over 18 accounts that report to all 3 credit bureaus but none are showing on my Experian credit report even they were showing a year ago. This is preventing me from applying for a mortgage as lenders need reports from all 3 credit bureaus. 

I have called Experian twice a week, every week for the past month. In 2 cases the representatives tried to convince me that I had creditors who don't report to Experian. I was finally able to get one representative to understand that my issue was not with the creditors but with Experian no longer picking up what my creditors were reporting on my Experian report. The rep explained that he saw an error in my file and the problem would be resolved in 24 to 36 hours. This was over a week ago and the problem still persists. 

This issue caused me to be unable to apply for a mortgage. Because of this I have already missed out on two houses that I wanted to purchase. This is a case where I am being denied credit to due a credit agency not showing any of my creditors, not the creditors themselves. I need to escalate to get this issue resolved ASAP.
Consumer complaint received 2021-01-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (AK)

We applied for a mortgage with AmeriSave XX/XX/XXXX. We were immediately approved for the loan due to our perfect credit and the very favorable loan to value ratio. Since this date, we have supplied all required documents within 2 business days of any request. Over the last several months we have been required to continually submit documents, at times the same documents. We have continually questioned when the closing date will be and are given excuses that either they are working on the loan or have been very busy, all the while assuring us we will be closing our refinance soon. On XX/XX/XXXX we sent an ultimatum to send a closing date with a close before XX/XX/XXXX or provide compensation. We were given a date of XX/XX/XXXX to close and were sent CDs to review. On XX/XX/XXXX I emailed to ask for the time of close and was told that the processor only sent an estimate. When we questioned the processor on this, he told us our loan was not approved despite the loan being approved months ago. We can not get any straight answers and we have since missed out on lower rates while waiting for AmeriSave.
Consumer complaint received 2021-10-11
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-11
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: AMERICAN HONDA FINANCE CORP (CA)

I have recently requested XXXX, XXXX, AND XXXX to investigate a few accounts reporting on my consumer file, The investigation took welll over 30 days and I have not been notified of the outcome.
Consumer complaint received 2021-10-11
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. (GA)

THE ADDRESSES THAT ARE LISTED DO NOT BELOW TO ME, I HAVE NEVER LIVED AT ANY OF THE ADDRESSES THAT ARE POSTED ON MY CREDIT REPORT 1. XXXX XXXX XXXX XXXX XXXX GA, XXXX 2. XXXX XXXX XXXX, XXXX XXXX FL XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 5. XXXX XXXX XXXX XXXX XXXX FL XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 8. XXXX XXXX XXXX # XXXX XXXX GA XXXX
Consumer complaint received 2021-01-07
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. (GA)

Someone that I do not know is using my personal information to obtain multiple credit card accounts. I have never agreed with that person to open these multiple credit card accounts. I am afraid that my personal information was stolen by the third party, and that party pulled many different credit cards without my personal consent. I believe that this act was going on for a while, and I did not know about it. 
To resolve this problem I requested deletions and block of fraudulent accounts that have been created by an identity theft crime. 
Unfortunately, XXXX  and Trans Union are still reporting several fraudulent accounts on my credit report. A police report and Federal Trade Commission identity theft report have been submitted to them. 

All other accounts that were made without my knowledge are listed below. 

XXXXXXXX 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 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Beginning from XX/XX/2020 when I made a free account with TransUnion, it appears that they sneaked in a monthly subscription service under the guise of their free credit check. I haven't received a receipt since the initial one on XX/XX/2020 and had no idea that I was receiving this charge until today. I went ahead and cancelled the subscription but I'm shocked that they advertised a free service and then sneaked in a subscription.
Consumer complaint received 2021-10-11
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have recently requested XXXX, XXXX, AND XXXX to investigate a few accounts reporting on my consumer file, The investigation took welll over 30 days and I have not been notified of the outcome.
Consumer complaint received 2020-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

Dear Cfpb & Credit Bureaus ; XXXX XXXX! I have actually been trying to reach out to the CRA 's for the last 6-8 months to attempt to remove/delete unknown, not-required previous or old addresses from my credit report, but for some reason, I'm unable to get any results or responses from them ;, XXXX, XXXX, and Experian. I've mentioned and listed the addresses that I need to be removed from my credit report. Honestly, the only address that should be listed in my current address. Anything else needs to be removed ; for example, i need the following removed : XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ; & XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ; & XXXX XXXX XXXX XXXX, MA XXXX ; & XXXX XXXX XXXX XXXX, CT XXXX.
Consumer complaint received 2021-10-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (FL)

I called Rocket Mortgage on XX/XX/21 to exit my forbearance which was set to end on XX/XX/21 .I immediately asked for Covid 19 Recovery modification. After being put on a brief hold I was told I qualified for a partial claim but not a modification. I asked the rep why I did not qualify for the modification which was supposed to help reduce p/I by 25 % .The rep said I didn't qualify, she didn't know why and she was sorry it wasn't anyone else that could help me because it is the " underwriting " dept who makes these decisions. According to everything I researched on te HuD.gov website I do qualify for the Covid 19 Recovery modification and basically I want why I was denied and not considered for the govt mandated program.
Consumer complaint received 2021-10-11
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

XXXX XXXX XXXX violated my consumer rights. A debt validation letter was sent to this company on XX/XX/2021. This company failed to provide any documents validating this alleged debt. Instead, they sold my personal information to another debt collector after receiving a cease and desist all collection activity letter. This company has harassed and sent threatening parcel to my residence without prior consent. This company has also threatened me with foreclosure on my home and that they would charge a late payment fee on an alleged debt I do not owe to them. I am the original creditor and my consumer rights has been violated. I have communicated with this company the they do not have consent from me to sell my personal information to anyone and that it would be a direct violation of identity theft if conducted. Listed below are all the violations : 15 USC 1692f : Unfair practices, 15 USC 1692e : False or misleading representations, 15 USC 1692d : Harassment or abuse, 15 USC 1692c : Communication in connection with debt collection, 15 USC 1692j : Furnishing certain deceptive forms, 15 USC 1692 : Congressional findings and declaration of purpose, 15 USC 1692k : Civil liability, 15 USC 1691e : Civil liability, 15 USC 1691c : Administrative enforcement, 15 USC 1691a : Definitions ; rules of construction, 1681s2. Responsibilities of furnishers of information to consumer reporting agencies, 15 USC 1681c : Requirements relating to information contained in consumer reports, 15 USC 1681b.