davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2022-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NC)

It is regarding Community Loan servicing First my investment home mortgage was with Home point, they sold to Community servicing. we set up Autopay with Community loan servicing from my Bank for my mortgage on XX/XX/XXXX, I received a notification letter that the autopay was setup on XX/XX/XXXX, since i received the communication about autopay i didn't check my account. I applied for refinancing of my primary home on XX/XX/XXXX and i found out that my credit score dropped significantly about 160 pts because of 2 missed mortgage payments for Community loan servicing. I called the Community loan service and was able to talk to Escalation dept as i didnot recieve any notice, who told me that my autopay was cancelled and a letter was sent to my address which i got on XX/XX/XXXX, on the letter it was dated XX/XX/XXXX. I am not at fault and Community service reported to Credit Bureau and caused my score to drop 150pts. because of their negligence i am going through mental stress as many of my projects that need loan are on hold. I requested them and they told me that credit score will be corrected in 2 days, but didnot happen yet.
Consumer complaint received 2019-01-08
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: REISENFELD & ASSOCIATES LPA, LLC (OH)

XXXX  XXXX XXXX has violated the Debtors confirmed Bankruptcy Plan Docket XXXX in Case XXXX XXXX. XXXX  XXXX XXXX proceeded with the violations until the loan was transferred to the new service company XXXX XXXX XXXX XXXX on XX/XX/XXXX. Due to XXXX XXXX XXXX negligents XXXX XXXX XXXX transferred incorrect documentation to XXXX XXXX XXXX XXXX See Exhibit J. XXXX then proceeded because of XXXX XXXX XXXX negligent trying to collect discharged debt from XXXX XXXX. Mr XXXX XXXX contacted XXXX after receiving the ( RESPA ) loan servicing transfer and noticing more errors on the loan and contacted XXXX pleading for XXXX to rectify the incorrect loan information only to be ignored by the loan servicing company over the phone and by fax this was a violation of the CFPB 1005.11 Procedures for resolving errors. Mr XXXX stay on course and determined to correct the loan forcing XXXX to correct the issue by contacting the CFPB Consumer Financial Protection Bureau and filing serval complaints over a 12 month period. XXXX did not responded to any of the CFPB complaints acknowledging the error of the negelinece of the pervious loan service company XXXX  XXXX XXXX but did adjust the loan in XXXX to match the agreed reaffirmation agreement. XXXX then proceeded to file a foreclosure on XXXX XXXX because the loan was behind on payments due to the incorrect data provided by XXXX  XXXX XXXX. This action by XXXX not pursuing any loss mitigation against XXXX  XXXX XXXX was complete neglect of the debtors right.
Consumer complaint received 2016-06-21
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (VA)

As you probably know, all American Express XXXX cards were converted to XXXX on XXXX XXXX 2016. I have no problem with that. But, now I am unable to download my recent statements. American Express says they turned them over to XXXX. XXXX says they never got them. Somebody has my statements and I want them. I think Amex is just being rude because they 've lost the business.
Consumer complaint received 2018-08-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: MEI AUTO FINANCE INC (TX)

I am tired of being harrassed and stressed by this company. A few months back, their agent XXXX XXXX was calling me from different phone numbers and harassing my relatives and stalking my social media. Now their agent XXXX, is having people come to my home in plain, unmarked cars, placing notices on my door. These notices have WAY too much information where any random person can walk up, read it and figure out my personal/ private business. He called last month to harass me after I made a payment and said they were going to pick my car up for {$5.00}. He keeps calling even when I've notified them of when the payment would be made. He said today that he has left several messages, which is simply not true. He made phone calls and hung up withOUT leaving a message. 

I have asked this company several times, by phone and by email, to refrain from having their excessively aggressive agent, 'XXXX ', contact me, but they still keep allowing him to. 

I have had this car/ loan for over three years now which appears to be a long time for anyone to have a car with this company. I've put several XXXX dollars toward the loan as well as the mountain of repairs. I do not plan to loose the car.
Consumer complaint received 2018-05-03
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. (CA)

EQUIFAX will not investigate unauthorized inquiries on my report Equifax stated that they will not investigate inquiries due to it is not their problem according to FCRA anything wrong with consumer credit report must be investigated.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2018-08-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Specialized Loan Servicing Holdings LLC (NC)

On XX/XX/2018 @ XXXX EST, XXXX XXXX XXXX XXXX XXXX received ( via certified mail ) my debt validation request. I did not receive a response from XXXX XXXX XXXX, XXXX nor their client Specialized Loan Servicing, LLC ( SLS ) until XX/XX/2018. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), creditors have 30 days to investigate disputes. And if creditors can not verify the information within 30-days, they MUST delete and permanently remove all disputed accounts from the consumers credit reports. 

Failure to do so can result in a {$1000.00} fine per un-deleted item.
Consumer complaint received 2018-08-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: JTM Capital Management, LLC (OH)

On XX/XX/2018, I received a letter from a debt collector XXXX XXXX claiming that a debt was owed by me to another debt collector JTM capital. I responded with a cease & desist letter on XX/XX/2018 that they received on Friday XX/XX/2018. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The response I got back was a letter dated XX/XX/2018 of a  debt verification notice which is not the proper procedure of a cease & desist in pursuant too the FDCPA, which is in violation of the FDCPA 15 USC 1692e ( 10 ) false and misleading representation {$1000.00}. The FDCPA is clear on a 15 USC 1692 cease & desist letter what is to be done. ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. As you will see in their  response letter, XXXX clearly did not do any of the following, they used false and misleading representations to try to collect this debt which not owed to them. I have never agreed to pay them which violates the Ohio Statutes of Frauds ORC 1335.05 which carries a heavy fine of {$10000.00} US. Furthermore, XXXX furnished a deceptive form that is attached to this complaint, which violates 15 USC 1692j ( a ) {$1000.00}. As you will see in their response that they are not even registered to collect debts in Ohio, and by sending this communication through the mail it also has the following criminal violations : 18 USC 1960 Civil Rico {$10000.00} to each party including criminal charges ; 18 USC 241 Conspiracy against rights ; 18 USC 242 deprivation rights under color of law {$10000.00} to each party including criminal charges ; 18 USC 1341 Fraud and swindle, {$10000.00} to each party including criminal charges ; 18 USC 875 Interstate Communications with the intent to extort, {$20000.00} to each party including criminal charges. XXXX XXXX are using my Social Security Number with out my permission and that violates the SSA and the privacy act of 1974. I Have sent out a Notice & Demand to XXXX today, XX/XX/2018, demanding the damages that owe me for this violating act which the total sum is quite extensive, and further, will file criminal complaints to the justice department for their criminal violations concerning this debt.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2019-03-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is a report on my credit report by XXXX XXXX  it was a PRE PAID credit card. They did not open the account until they took my money in full and after send a card with the amount available. They closed my account and are reporting on the credit report as a revolving account and as a charge off. Which is incorrect information since they had the completed balance amount in full upfront and they are a pre paid credit card. I requested both that all the credit reporting agencies and the actual credit company to correct this information and remove this incorrect information from my credit report to no avail. I need help rectifying this issue.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

15 USC 1681b 15 USC 1681a ( 4 ) Credit Bureau violated my right to privacy when they sought out, collected and then reported my personal information for public use without my permission or consent. I do not owe the Credit Bureaus XXXX, XXXX or TransUnion anything as they are not the creditor and thus, can not report anything on my credit report without my consent or knowledge. 

This is a direct violation of my rights under United States Code and a vilation of FCRA standards.

Please delete from my records.

I have attached a letter from the United States Bankruptcy Court for the XXXX XXXX XXXX Illinois - Office of the Clerk 'validating " the following : " The Court does not report directly to credit bureaus. ''
Consumer complaint received 2022-07-25
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. (NC)

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-02-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Credit Acceptance, LLC (TX)

I am a XXXX XXXX consumer and I have new evidence in regards to my previously filed complaint on XX/XX/2022 Complaint ID : XXXX. I previously stated that ACA has yet to provide me with proof of the alleged obligation, and how ACA used obscene and profane language by stating that I owed an alleged debt. American Credit Acceptance, " ACA '' responded stating, Accordingly, ACA has thoroughly reviewed my complaint and ACA account. Based on ACA review, my complaint is without merit. ACA has provided me with a copy of a consumer credit transaction which appears to be a deceptive form. Therefore, ACA has failed to provide me with the opportunity to validate this alleged debt and is continuously harassing me about this alleged debt. ACA has also used obscene and profane language by saying that, I requested to cease payment reminder calls, although I specifically stated to cease and desist communication through any and ALL mediums. I hereby want to make this clear, you may not mail me about any collection of any alleged debt, you may NOT repossess my vehicle, you may not mail me any notices until you provide me absolute proof that I in fact owe ACA.
Consumer complaint received 2018-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

I have reason to believe that this debt may have been the result of an identity theft. Based on the information provided in my report specifying that I owe an amount of {$6700.00} for an apartment at XXXX XXXX. This information is completely false and inaccurate seeing that I never lived at this apartment location, nor is the address being reported on my credit. It makes no sense at all and I wish to address this matter with your consumer bureau. I have been struggling to resolve this matter for almost five years now and it has been one heck of a journey.
Consumer complaint received 2022-07-08
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-03-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (NC)

Filed dispute with credit bureaus against this collection previously. At this moment the collection has exceed the Statue of Limitations allowable by the state of my residency. Recently searched for said company with XXXX  and could not find any trace. Filed report with FTC for fraudulent activities already. Please help resolved this issue. Thank you
Consumer complaint received 2019-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

OnXX/XX/2019there was a hard inquiry on my Transunion credit score from XXXX  XXXX XXXX XXXX XXXX. I did not apply for any Credit Card as I just completed a Bankruptcy in XX/XX/2019. I called the phone number that came with the hard inquiry from XXXX XXXX. The lady there told me to call Transunion. So, I proceeded to call Transunion. The lady there explained the deletion process. I was to call XXXX XXXX back and get a " Letter of Deletion '' from them. Once I received that, then I was to send that with a letter of Authorization to Transunion : XXXX XXXX XXXX, XXXX, PA XXXX, and to make sure that I include my Name, address, last 4 of my SS #, and the File # XXXX. So, I call XXXX XXXX  back. First I get XXXX - she was unable to help me at all so I asked for a supervisor. I get XXXX on the line and he proceeds to tell me that he can not give me a letter as this is a known issue between Transunion & XXXX XXXX - he called it " Naming Table Translation ''. I have no idea what this means, but again, I was told to call Transunion. So, one more time I call Transunion. I speak with XXXX. I again get the same story but he is going to mail me a copy of my Credit Report ( not sure what that will do ) - you need to call XXXX XXXX. I am so frustrated at this point. I do not have any documentation other than my Credit Report showing the hard inquiry.
Consumer complaint received 2020-04-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A. (OH)

I would like to transfer money from my PNC checking and savings account to a savings account with XXXX XXXX. Unfortunately PNC is not allowing for accounts to be linked with any outside accounts. XXXX XXXX XXXX only allows money to be transferred through XXXX, which PNC is blocking. I feel as though PNC is holding my money hostage with this action, and forcing me to stay with their savings account that has extremely low interest rates.
Consumer complaint received 2022-07-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (PA)

My loans fall under the Sweet Lawsuit Loan Cancelation that recently took place as I attended XXXX XXXX XXXX I keep trying to find out when they will be wiped off the books. I've applied for the XXXX XXXX XXXX case, a complaint case and a feedback case and they keep getting closed with no response. My loan servicer Naviant keeps calling and will not stop!!