davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
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: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-09-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: AUTOMOBILE ACCEPTANCE CORPORATION (GA)

A fraudulent auto loan was taken out in my name stemming from my wallet being stolen some years ago. I have yet to have the matter resolved even after sending the credit bureaus and the financing company documentation.The account wasn't paid and is effecting my credit rating. I've suffered damages due to negative and inaccurate reporting and would like this matter to be quickly resolved with Automobile Acceptance and the credit bureaus.
Consumer complaint received 2020-09-23
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: Experian Information Solutions Inc. (TX)

Hurricane Harvey flooded my home in XX/XX/XXXX. Several months afterward, my XXXX  credit report noted a XXXX account was 120 days late. I first discovered the adverse information in XX/XX/XXXX, in reviewing my credit in anticipation of applying for a construction loan. 

On XX/XX/XXXX, I disputed the XXXX and other adverse information by letter sent certified mail, return receipt requested, to Experian. My proof is attached. On XX/XX/XXXX, Experian received the letter. The USPS delivery information is attached. 

On XX/XX/XXXX, I called Experian at XXXX and talked to XXXX. She denied receipt of my XX/XX/XXXX letter, accepted my call as a new complaint, asserted the right to another 30 days before responding, and refused to look for my original complaint. 

On XX/XX/XXXX, I called Experian again at XXXX, but this time with my proof of delivery in hand. I talked to XXXX, who denied receipt of the letter, mocked me when I offered the delivery information, refused to research my original complaint and hung up on me. I called back, and talked to XXXX, who connected us to XXXX, which refused to talk to us. XXXX asserted the right to 30 days from XX/XX/XXXX before responding. 

My letter 's proof and delivery information is attached as file XXXX doc XXXX FTC - Experian complaint support.
Consumer complaint received 2018-09-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Avadyne Health Holdings, Inc (IA)

I repeatedly asked that XXXX XXXX XXXX XXXX not contact me at work or during working hours, XXXX XXXX at XXXX has continued to call me during working hours and not after and now is calling my office phone even after I have repeatedly asked her that is unacceptable. her tactics are nothing more than aggressive! Can you help me make her stop this aggressive behavior? 

Thanks XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (VA)

I have been writing and complaining about my loan with Rushmore management. All of a sudden my monthly payment went up from XXXX to XXXX dollars. They said it was due to taxes and escrow. I objected and said I would rather pay my own taxes for which I made a XXXX dollar payment to VA department of taxation. 

Calling Rushmore is useless. The people who answer are either in the XXXX or elsewhere. Each says something differently. In the month of XXXX I was in XXXX, CA and even though I had asked whether Rushmore had an office there, on the phone they told me it is just a PO Box . Well, I went to a building and No it was not a PO Box but a few story company there. I asked to meet someone. Finally a lady by the name of XXXX XXXX came and I talked to her at length and told her of my grievances. I also paid an amount of XXXX which had remained from the XXXX dollar payments i had made. I also told her that I think it is absolutely ridiculous and highway robbery that after making nearly 2000+ a month since XXXX on a loan of XXXX, I still owe Rushmore which is now the new lender or service loan XXXX plus some XXXX in late fees!!!!! I have paid over the years more than XXXX on this loan and still owe apparently XXXX!!!! How much do these people want? 200 percent on their investments? or XXXX?!!! 
I have asked in various letters and complaints that I want this balance down and the monthly payment to be reduced to an amount that I can afford. I emailed Ms. XXXX two times since I met her and have left her 3 messages on the phone. She has not even bothered to return my calls. Ms. XXXX also told me that Rushmore is changing the amount to a lower amount as I paid the taxes. But what I get is the same amount and in fact the last statement was for 5000+. I want a total change on this loan and I want Rushmore to provide answers and return my calls. Otherwise, they are considered UNPROFESSIONAL.
Consumer complaint received 2018-09-06
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Movement Mortgage LLC (NC)

I received yesterday a notification from Movement Mortgage to myself and my XXXX yr old son that there has been a data breach and that our information has or might have been compromised. My problem with this is that neither my XXXXyr old son or myself have ever applied for a mortgage with Movement Mortgage. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and have always done my mortgages thru my bank. I am very concerned that they have any information on me and extremely concerned that they have information on my XXXXyr old son.
Consumer complaint received 2018-09-06
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. (FL)

XXXX  is listing a XXXX XXXX credit card ending in XXXX on my credit report, from XXXX XXXX. This is wrong and should be deleted. I never authorized this account and I already had a XXXX XXXX card that was opened on XX/XX/2012. 
This is a duplicate listing and under the terms of the FCRA, ( Fair Credit Reporting Act ),  incorrect information must be deleted.
Consumer complaint received 2018-09-06
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. (FL)

XXXX is listing a XXXX XXXX credit card ending in XXXX on my credit report, from XXXX XXXX. This is wrong and should be deleted. I never authorized this account and I already had a XXXX XXXX card that was opened on XX/XX/2012. 
This is a duplicate listing and under the terms of the FCRA, ( Fair Credit Reporting Act ),  incorrect information must be deleted.
Consumer complaint received 2018-09-06
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. (TX)

I am a victim of identity theft and 4 accounts have been opened using my personal information that I did not authorize. I have contacted these companies and they can not provide any contract bearing my signature that I have an obligation to their company or anyone they represent. These accounts are a result of identity theft. 
Consumer mortgage in the amount of {$6000.00} XXXX XXXX in the amount of {$400.00} XXXX XXXX in the amount of {$370.00} XXXX XXXX in the amount of {$610.00} Please delete and block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 
I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2018-09-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

XXXX XXXX XXXX with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX with XXXX XXXX XXXX and XXXX XXXX XXXX with XXXX XXXX XXXX on behalf of Capital One are conspiring to force through a frivolous law suit against me. 

On XX/XX/XXXX Capital One filed a motion to dismiss which was granted on XX/XX/XXXX. However, they are still stating that I owe this debt despite the fact that the dismissal THEY requested was granted.

They know this is well past the 6 years for the Statute of Limitations on debt in Indiana, ( originally filed on XX/XX/XXXX. ) They have no genuine merit or basis to collect on this and are intentionally dragging out the process as an intimidation and scare tactic against me. This is simply a covert approach for nefarious activities to exploit and extort the consumer. These are reckless, deranged and deliberate advances at all levels. 

Therefore, I am requesting that this matter be negated and rescinded on all effective levels with the support of the Consumer Financial Protection Bureau and with the Indiana State Attorney General and that a letter stating I no longer owe this debt and this matter is officially closed be sent to me immediately. Furthermore, their actions should be met with the full force of prosecuting judgments of the just based on their deceptive advances on all effective levels.
Consumer complaint received 2023-03-18
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. (NC)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 2018-09-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

This complaint is a follow-up complaint to my original complaint filed last year. All details around this complaint can be found under the following reference number : XXXX My Private student loans are currently serviced through Navient. Throughout this entire process I have received inaccurate information on multiple occassions. Inaccuracies have been received around the payment due, payment amount and forbearances placed on my accounts. I have consulted with Customer Service on NUMEROUS occassions and it seems that the only time I receive any progress to correct information on my account is when I file a formal complain with the CFPB, so I am moving forward with this complaint for the second time. I have provided details of my encounters below and would like your assistance with getting this resolved to ensure that my account is secure and accurate as well as to ensure that my credit score is not impacted by these inaccuracies.

I have identified the following issues with my account : 1. Forbearances placed on my account without no notification to me and without my permission. In XXXX, I requested a forbearance while trying to work with Navient to come up with an affordable payment option and I was advised that I used all of my allowed forbearance for this particular loan. I was notified that I utilized my forbearances from XXXX to XX/XX/XXXX and with this I am no longer allowed to request a forbearance. However, I did not request a forbearance at this time, and Navient should not have placed a forbearance on my account based on the actions they took to resolve my initial complaint from last XX/XX/XXXX under the following number : XXXX. From the representative I was advised that it was recorded in the system as a customer requested forbearance, and I did not put a request in for this. Due to the mistakes made by Navient employees, last year I am still being impacted. Please assist me in resolving this matter with Navient. 

2. Inaccuracies/ mis-information on my account : I am not sure what the actual amount is that I should pay at this time, as I checked my account online and the payments were showing at XXXX dollars for the months of XXXX and XXXX. When I called in to confirm my payment amounts for the month of XXXX, I was advised that it was showing at XXXX, however the agent would investigate and give me a call back in a couple of days. No one ever contacted me back. After a couple of days I checked my account online and it shows that I am now behind 60 days for over {$1000.00}. For your record I have attached a screen shot of my account taken on XX/XX/XXXX at XXXX owed for the month of XXXX 's bill date of XX/XX/XXXX. These constant inconsistencies are causing undue stress since I get different information every time that I call into the 1800 number. I am working very hard to get a handle on my student loans and have been making payments monthly and would like your assistance in getting this matter resolved.
Consumer complaint received 2018-09-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

I submitted a dispute to Experian about a bankruptcy public record in XX/XX/2018. They verified that a ( Company ) verified the information is accurate. Then, I sent a method of verification per FCRA 611 in XXXX. Experian basically sent the same ( XXXX ) generated response as the first. They are supposed to send me how they verified the info in 14 days. They are now violating the FCRA. They keep saying a Company verified but never say which company. The court has already said in writing they did not communicate with Experian. So, how did they verify??? If they verified with Pacer that is not the furnisher data. The furnisher of the data has to be the court they report on my credit report. Pacer or XXXX XXXX is not the original furnisher of data. I have proof they did not provide the method of verification.
Consumer complaint received 2018-09-06
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ERC (VA)

This complaint is against a company called -- ERC- ( XXXX XXXX XXXX ). We found out today with a mailing from them after 1 ) We disputed this alleged debt of {$970.00} with them in XXXX 2 ) I also disputed this with 4 prior collection agencies since XXXX and will attach all documents to this dispute. 
ERC - XXXX XXXX XXXX is violating multiple times our request to note in reports to the 3 - Credit Bureaus, including XXXX XXXX, that " This consumer disputes this debt. Our XX/XX/XXXX written notice to BOTH - ERC and XXXX XXXX was our 3rd request to remove the report that we are in collections and note our balance at {$0.00} and/ or note " Consumer disputes debt " in our credit report 3 ) Even after we notified BOTH ERC and XXXX XXXX 3 times in the past year, they refuse to report fair and correct.
Consumer complaint received 2018-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: National Credit Systems,Inc. (GA)

XXXX has been non-compliant with removing the unverified account NATIONAL CREDIT SYST which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that NATIONAL CREDIT SYST was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Billing dispute confirmation number XXXX, amount {$18.00}, XXXX. Dispute filed XX/XX/2018, per the email confirmation from Capital One, a temporary credit is supposed to post within ten days. Ten days has passed and a temporary credit has not posted.
Consumer complaint received 2019-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (NC)

My account was transferred from XXXX XXXX to SPS in XXXX XXXX. Due to unforeseen circumstances, I requested a deferral for the months of XXXX - XX/XX/XXXX, with the first payment set for XX/XX/XXXX on automatic draft. This request was fulfilled and I was informed by the agent that I would not have a late fee reported for the months of XXXX, but yet I had a late fee reported to the credit bureau. This late report with a new mortgage company is impacting my ability to refinance my primary mortgage and consolidate my loans/bills. It is also impacting my FICO credit score of which I am working diligently to improve. 

I would like the report removed and a letter in writing from the company so that I can continue to repair my credit and improve my score.
Consumer complaint received 2018-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STERLING JEWELERS, INC. (NY)

On XX/XX/XXXX I paid {$560.00} to a XXXX XXXX XXXX company! A company that brought my debt from XXXX XXXX. XXXX XXXX   updated my report to show settled. XXXX XXXX are still not! And, are refusing to update there info. Plz help I'm am trying to improve my credit so I can buy my first home for my family thank you!
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I sent you a FTC report on XX/XX/XXXX about these fraudulent inquires and you refused to remove them which is against the FCRA. If you do not remove these inquires, I will be seeking an attorney I know my consumer rights and your company is not following the FCRA. I am a natural person exactly who I have stated on this letter. Please do not stall again your company is causing me emotional distress. I am just trying to ensure my credit report has accurate information which it currently does not. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

Once again here are the inquiries that WERE NOT AUTHORIZED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-11-16
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: Experian Information Solutions Inc. (FL)

Dear XXXX XXXX XXXX XXXX, you have violated the Fair Credit Reporting Act ( FCRA ) by reporting " INACCURATE INFORMATION '' on my Consumer Report. See attachments. XXXX XXXX ALL RIGHTS RESERVED XXXX XXXX
Consumer complaint received 2022-07-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (TX)

I called the company for 2 days trying to speak with someone about the debt. I was hung up on by a man. I called back and was talked to disrespectfully. called for the 3rd time and was able to get a rep to listen to me as I stated to here that that debt was made in fraudulent act by someone who compromised my identity. but being that I didn't want to give my current address or detail about myself I was told she couldn't help me. But then company is aware that the debt bought is a fraudulent debt that was not made by me. 

ability recovery services XXXX XXXX XXXX XXXX, PA XXXX XXXX original creditor. XXXX XXXX XXXXXXXX WHICH IS NOW PERMANTLEY CLOSED AS I RESEARCHED COLLECTION : XXXX, XXXX, XXXX XXXX # XXXX {$3400.00} XX/XX/2022
Consumer complaint received 2018-09-06
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. (RI)

On XX/XX/XXXX sent dispute to TransUnion and XXXX concerning a collection from XXXX XXXX- On XX/XX/XXXX I was advised TransUnion deleted the account file : XXXX {$420.00} amount shown in collection As of XX/XX/XXXX This account is still being reported as in collection and 0 % paid This was an account that was used/open fraudulently on an XXXX XXXX XXXX I never received and I reported to XXXX XXXX . I was advised account was closed and would be noted. ( original date XX/XX/XXXX/XX/XX/XXXX ) XXXX XXXX apparently purchased XXXX XXXX and this account began to appear on credit report as collection. I have disputed numerous times and requested validation and have never received any proof this account is or was opened by me : billing detail statements, signature card or proof this is/as my account. 
TransUnion/XXXX  finally were to delete the account but still showing on Credit Bureau Reports I believe this account keeps being sold/bought by different collection groups. My only notice has been Credit Report Monitoring