davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC (FL)

Carvana is advertising Car insurance to me the CONSUMER which is a violation of federal law 15 USC 1605 ( c ) Property damage and liability insurance premiums included in finance charge. ( C ) Charges or premiums for insurance, written in connection with any consumer credit transaction, shall be included in the finance charge. & asking me to provide insurance separate. Carvana is also asking for a downpayment federal law said in 12 CFR 226.4 & 15 USC 1605 ( a ) It does not include any charge of a type payable in a comparable cash transaction. ALSO 15 U.S. Code 1662 - Advertising of downpayments and installments. No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit. & 15 USC 1605 ( 1 ) ( 2 ) ( 3 ) ( 4 )
Consumer complaint received 2020-12-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

SLS Specialized Loan Servicing The process seems unfair. It appears to lean favourablly to the company whom one is complaining. As in this Complaint NBR XXXX. When going online to add to my complaint the account is CLOSED? This has been CLOSED without any request for reply from complainant which equates with the BIG FINANCE replied and we believe the BIG MONEY. There was NO email, phone call or snail mail from SLS to me as a reply, which one would believe is forthcoming, to my complaint. 

PLEASE know when calling again, voice message states we can make new complaint. 
This appears to be NOT TRUE as XXXX today informed me NO NEW COMPLAINT CAN be made against the SAME COMPANY? My contention is this is a NEW ISSUE with the SAME COMPANY arising out of the COMPANY 'S REPLY. Their reply is bogus, inaccurate and appears to be a gerbiling tactic. 

SLS is NOW ASKING for a POA ( Power of Attorney ) from the Buyer on the Short Sale. 
This has NEVER been requested prior in SLS list of required documents. There is NEVER a reply from SLS. NO SUPERVISOR/MANAGE has given the courtesy of a call back, yet each and every time I've requested this I've been told " 24 to 48 hours I would get a call back from a manager/supervisor '' This has NEVER happened. WHY? 

Requesting a Power of Attorney from the Buyer seems a stalling tactic. The Buyer has signed the Offer to Purchase, the Addendum as REQUESTED BY SLS, provided the HUD as requested by SLS along with the PROOF OF FUNDS PLEASE Explain why SLS is NOW requiring a POA from the Buyer along why they are performing more BPOS?
Consumer complaint received 2021-12-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (CA)

Waypoint Resource group out of Texas randomly decided that I allegedly " owed '' some debt in the amount of {$40.00}... I have never heard about them prior to this letter, nor do I have any transaction relationship with them. On top of that, they are sending it to me at my home in XXXX!!!
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

XXXX XXXX XXXX XXXX XXXX , OH XXXX fraud charges that never was handled - tried to get removed didnt happen by XXXX or credit companies
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

On XX/XX/2024 I called XXXX XXXX XXXX and spoke to the XXXX  XXXX I believed, and this account is not mine. They do not have any contract or anything that states this account is mines. I request this account to be removed immediately or I will seek legal action and reimbursement for financial damages that this will cost me from the company and credit bureaus that is reporting the fraudulent account on my credit report.
Consumer complaint received 2020-12-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Volunteer Mortgage Loan Servicing (TN)

The bill due for my mortgage with Volunteer mortgage in Tennessee was nearly twice my regular monthly payment, so i track it down to the line with the {$350.00} addition ... it is for " corporate advances '' ... and the description for that ( on the bill ) was " advances paid by the servicer for work performed such as property inspections, valuations, legal fees and costs ''. 
I called my lender and ask what this is all about. The gentleman on the other end put me on hold for 5 minutes and came back to tell me that it was a fee added because the bank reevaluated the value of my house every 30-60 days ... So i ask why, in ten years, i have never seen this fee before ... especially if it occurs every month or two ... I'm placed on hold again and he comes back with a whole new story that their company merged with another bank in XXXX of 2019, and that their lawyers went through all their accounts to make sure they were on the up and up ... and that was my legal fee to pay for their merger and acquisition. I am still unsure what the real story is. 
I have attached a document of the bill.
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/2020 I called XXXX about the two paid collection accounts I have on my credit report. They told me they didn't have those two accounts in their data base and it shouldn'r be reporting. All three credit bureaus are reporting the {$230.00} paid account as collection/charge off. XXXX  and XXXX  are reporting the {$83.00} paid account as collection/charge off. I have sent all three credit bureaus a method of verification letter on XXXX/XXXX/2020 and they have failed to respond back.
Consumer complaint received 2020-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2015-11-11
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Weltman, Weinberg & Reis Co., L.P.A. (MI)

I received a debt collection letter on XXXX XXXX from a debt collector by the name of Weltman , Weinberg & Reis claiming the I owed {$8000.00}. I sent this debt collector a certified validation letter on XXXX XXXX, however I was also served with a summon and complaint from this collector of which I answer the summons denying all claims of owning this debt. This debt collector ignored and refused to give me solid proof that this debt was mine. They continued to collect on this debt by filing a motion for a default judgement. I received a letter from the courts stating that the motion for a default judgement for the plaintiff was denied and that the matter was dismissed without prejudice. I did not hear anymore concerning this matter until a week ago when my wages was garnished resulting from this debt. This debt collector never validated this debt, they ignored my validation letter, and continued to aggressively pursue a debt that was not validated, and I feel this was a deliberate violation of the fair credit debt collection act. I am filing this complaint because they have violated the fair credit debt collection act with their false credit schemes.
Consumer complaint received 2020-12-29
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 — Problem with personal statement of dispute
Company: BMW Financial Services NA, LLC (TX)

On XX/XX/2020 I got email XXXX XX/XX/XXXX. I saw they pulled my creditXX/XX/XXXX BMW XXXX 2 time XX/XX/2020 and One BMW XXXX XX/XX/2020. So, I tried to call XXXX XXXX XXXX 5 time. So, called customer and we talk about 3 minutes. XXXX XXXX XXXX and we talk, some pulled my credit 3 time XXXX XXXX XXXX. You need to talk to Finance Direct Department XXXX XXXX. So, I sent Mr XXXX an phone 2 time XX/XX/2020, XX/XX/2020 and 2 time XX/XX/2020. Mr XXXX and want call him back. The pulled my credit 3 time.
Consumer complaint received 2020-12-29
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: Santander Consumer USA Holdings Inc. (NY)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2019, SANTANDER CONSUMER USA add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorizatio n Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX  XXXX XXXX  ) Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

XXXX XXXX is reporting I owe them 50,000 + on my mortgage I do not owe them that type of money they are not The Originators of my loan I dispute that amount and what they're doing to me I've been trying to refinance this house for the last three years and they have been dragging my credit score down awesome the vehicle that appears on there from executor Finance has been returned since XX/XX/2020 there is no rears there is no balance the vehicle has been returned and there's a few other things that are being in accurately reported and I'm trying to move forward in a credit world and they're making this impossible when I have children that I have to maintain thank you for your time
Consumer complaint received 2020-12-29
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)

XXXX XXXX is reporting I owe them XXXX + on my mortgage I do not owe them that type of money they are not The Originators of my loan I dispute that amount and what they're doing to me I've been trying to refinance this house for the last three years and they have been dragging my credit score down awesome the vehicle that appears on there from executor Finance has been returned since XX/XX/2020 there is no rears there is no balance the vehicle has been returned and there's a few other things that are being in accurately reported and I'm trying to move forward in a credit world and they're making this impossible when I have children that I have to maintain thank you for your time
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GreenSky, LLC (WI)

I received notification that there was a hard inquiry from Greensky. We had a remodeling quote recently done and when I asked, we were clearly informed it was going to be a soft inquiry and will not ding our credit report. Now it shows as a hard inquiry on my account! I did not consent for a hard inquiry. We didn't even go through with the renovation. This should be deleted because this is completely unfair, we asked and was told something else different.
Consumer complaint received 2022-01-26
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. (SC)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

The consumer reporting agency, EXPERIAN INFORMATION SOLUTIONS INC, is inaccurately reporting a late payment on my consumer report and file. In accordance with 15 USC 1666b, I can not be late on my credit card account with XXXX XXXX XXXX as it is under an open end consumer credit plan. Prior to furnishing this inaccuracy on my consumer report on XX/XX/2022 did EXPERIAN INFORMATION SOLUTIONS INC investigate to verify this information to be true? 

XXXX XXXX XXXX  received a billing error dispute as well as a CEASE AND DESIST NOTICE on XX/XX/2022. In accordance with 12 CFR 1026.13d ( 2 ), XXXX XXXX XXXX can not make any adverse report about my consumer credit standing upon receiving billing error dispute. Also, XXXX XXXXXXXX XXXX  is in violation of the Cease and Desist Notice as they are not to communicate with me directly or indirectly in which they are indirectly communicating with me via my consumer report and file to coerce payment. 

Pursuant to 15 USC 1681 ( a ) ( 3 ), EXPERIAN INFORMATION SOLUTIONS INC assumed this VITAL role and must adhere to their grave responsibilities pursuant to 15 USC 1681a ( 4 ). It is unfair to report my private transactions and experiences without getting consent from me, the federally protected consumer. EXPERIAN INFORMATION SOLUTIONS INC. continues to act impartial by not giving me, the federally protected consumer, an opportunity to validate the information before furnishing on my report. This all could have been avoided had they conducted a proper investigation instead of aiding XXXX XXXXXXXX XXXX  to attempt to commit coercion. 

Pursuant to 15 USC 1681b ( a ) ( 2 ), my written instructions are to remove the late payment from my consumer report and file. This needs to be updated immediately as everyday it is on my report it is damaging my reputation and prohibiting me from doing business with other financial institutions by falsely portraying me to not be creditworthy which impairs the efficiency of the banking system pursuant to 15 USC 1681 ( a ) ( 1 ).
Consumer complaint received 2024-02-22
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. (TX)

I acknowledge the efforts made to eliminate some fraudulent entries from my file stemming from alleged fraudulent activities, yet there remain items requiring immediate removal. In a renewed effort to dispute these entries in my credit file, I am submitting an Identity Theft Report # XXXX. In accordance with the mandates of FCRA section 605B ( a ) ( 1 ) ( 2 ), the removal of any entries from my file identified as resulting from alleged fraudulent activities is required within 4 business days following receipt, given ( 1 ) suitable proof of my identity; ( 2 ) a copy of the identity theft report. The detailed list of items yet to be removed includes : EXPERIAN : XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XX/XX/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, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Please be advised of the XXXX deadline for the removal of any entries from my credit file identified as the result of alleged fraudulent activities. I explicitly decline the use of E-OSCAR or any automated verification processes. I request that the results be forwarded to the address provided.
Consumer complaint received 2022-02-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (AR)

The only thing I could think of this being about is a used truck I had about 10 years ago and that case I let them have the truck back on the lemon law cause it never ran right and I was always spending money to fix it I can't even remember the name of the used lot I got it from and that used lot isn't even in business anymore. I think this is just a greedy collection agencies that founds people old depts and try to make money off them. If they can show me proof where I sign any contract with them then I will pay them.
Consumer complaint received 2021-04-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC (TX)

On Several Occasions I have contacted National Credit Adjusters with regards to this old debt that they keep adding and removing from my credit report which is causing harm to my credit score. I have attempted several times to ask for debt validation since this account does not belong to me and not once have they attempted to provide any kind of documents at all. This company has more than enough complaints on them and how they harass consumers all day long. I want this untrue/non-compliant derogatory account deleted from my credit report immediately. This company should not even be in business with the number of complaints against them.
Consumer complaint received 2020-12-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NC)

On XX/XX/XXXX, Congress passed, and the president signed into law, the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ), which provides for the above relief measures through XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, President Trump directed the Secretary to continue to suspend loan payments, stop collections, and waive interest on ED-held student loans until XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, the secretary of education extended the emergency relief measures for ED-held student loans until XXXX XXXX, XXXX. 

In contradiction to federal law, Navient is forcing me to make payments during this extension period and possibly reporting on my credit files as late.
Consumer complaint received 2021-05-17
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. (NY)

My name is XXXX XXXX my date of birth is XXXX  and I am a victim of identity theft. There are multiple fraudulent credit cards showing on my credit report that I didnt apply for
Consumer complaint received 2023-06-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Brown and Joseph, Ltd (WA)

Brown & Joseph LLC is trying to collect money from me for an auto insurance company Ive never used. My auto insurer confirms Ive paid my bills in full and have no debt with them. My credit score is near perfect. This appears to be a scam.
Consumer complaint received 2022-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Experian is reporting the following items inaccurately. Can someone please look into this? Thank You ACCOUNTS XXXX XXXX XXXX  XXXX never late XXXX  XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX never late XXXX  XXXX XXXX XXXX never late XXXX  XXXX XXXX XXXX never late XXXX  XXXX XXXX XXXX never late XXXX  XXXX XXXX XXXX never late XXXX  XXXX XXXX XXXX never late XXXX XXXX never late XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX not mine XXXX  XXXX XXXX XXXX not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized US SM BUS ADMIUN ODA XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XXXX XXXX  XX/XX/XXXX unauthorized XXXX  XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX  XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XXXX XX/XX/XXXX unauthorized