davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-26
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

In XX/XX/XXXX, I received notification that my credit report had 5 late payments reported from the Department of ED/XXXX . This was the first time I was aware of payment being required as the Department of ED/XXXX never sent me communications via email, postal mail service, or via telephone that payments were due on the account. When I soon got notice of the account, I began making payments on all 5 student loan accounts immediately. I continued payment on all accounts and in XX/XX/XXXX I paid off all accounts successfully. 

I submitted hardship letters to the Department of ED/XXXX requesting they grant me a Goodwill Request as the 5 late payments hindered and continue to hinder my approval to buy a new home, and from being approved for new lines of credit. This has caused me to face many hardships. The Department of ED/XXXX has still not granted me a goodwill request even thought the account has been paid. I have also submitted in total 4 disputes to their company. The first two disputes I did receive notification via mail that the request had been denied. I have also submitted two additional request and they have not informed me of the results or action tokened.
Consumer complaint received 2019-03-20
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

XXXX from Portfolio Recovery Associates called my employer on XX/XX/2019 at XXXX XXXX about a debt from XXXX XXXX XXXX XXXX from 13 years ago. I just happened to answer the call this time and catch him.
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Express Recovery Services, Inc. (UT)

Express recovery is reporting a debt on my credit file that I do not owe. I recently checked my credit file and noticed this debt on my credit file, I immediately called and paid the debt off. I never received any phone calls, collection letters, or notices. and I'm pretty sure that violates my 30 day right to dispute.
Consumer complaint received 2022-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The CRA 's arent allowing me to freeze, lock, or View my credit. XXXX is not updating any information to view. Status is internal lock. Transunion will not allow me to enter my account without forcing a membership. Please help Fix the issue please
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am a Victim of Identity Theft and I have submitted numerous disputes concerning fraudulent accounts reporting on my credit reports. I submitted FTC and police reports to the credit bureaus and and the the companies involved requesting validation of the debts and I have not received validation as requested. I am exhausted with all the runarounds from the credit reporting agencies.
Consumer complaint received 2018-05-01
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 am a Victim of Identity Theft and I have submitted numerous disputes concerning fraudulent accounts reporting on my credit reports. I submitted FTC and police reports to the credit bureaus and and the the companies involved requesting validation of the debts and I have not received validation as requested. I am exhausted with all the runarounds from the credit reporting agencies.
Consumer complaint received 2017-09-21
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. (MA)

I noticed a significant drop in my credit score and because of the hack with XXXX I wanted to check on the issue. I tried to log into Experian numerous times and even though I reset my password, it 's still showing up as no account found. Like XXXX the site ask for you to enter your personal information including your social. The website just continues to loop around. Comments have been going around that hackers with personal information may try to freeze an account before the actual consumer have the chance to freeze it themselves. ( Please do n't say it 's not true, because we trusted the Credit agencies to keep out information secure and they failed also trying to get them to clear errors on a report is like pulling teeth XXXX Tried to log into the XXXX thru free annual credit report was kicked out. Tried to dispute errors for a {$710.00} amount on the Experian website from the breach they recently had, but I 'm constantly getting kicked out. It also list my spouse name is XXXX, I 'm not married. They need to stop hiding and start helping this is their mess. I 've already reached out to the Attorney General for the State of MA, my next move is to file legal action. Thank you
Consumer complaint received 2020-07-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (SC)

In XXXXXX/XX/XXXX, I turned in a XXXX XXXX  XXXX at the near end of the lease prompted by encouragement from the dealership ( XXXX XXXX XXXX XXXX XXXX, SC ). The dealership put me in a new XXXX XXXX XXXX with a new lease. Despite the lease still having 3 remaining payments on it, the dealership said they would take care of it as an incentive for leasing the new XXXX XXXX. Additionally, Kia Motors Finance provided me with statements showing the lease with a XXXX ( {$0.00} ) balance. Please see screenshots and documents attached. 
Now, Kia Motors Finance has sent me letters stating I owe {$680.00} ( 3 payments ). This is wrong as they already paid off the XXXX XXXX   XXXX lease. 
I mailed them a letter in XXXX responding to this debt collection effort and a subsequent one in XXXX. I believe that in failing to respond to my letter in writing from XXXX, Kia Motors Finance is in violation of the Fair Debt Collections Practices Act as well as Regulation X for sending another copy of the same letter without addressing my concerns. Copies of my letters and the Kia Motors Finance website are attached.
Consumer complaint received 2022-08-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MN)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In previous months, I requested updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your lack of response, or responses which I classify as frivolous, you have dishonoured FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please CORRECT the accounts, as they are already corrected from the other bureaus. You have 30 days to CORRECT these accounts listed below : XXXX XXXX XXXX XXXX .... Date Opened XX/XX/2019 Balance $ XXXXLate/Open Late dates XXXX, XXXX XXXX XXXX XXXX .... Date Opened XX/XX/2019 Balance XXXX XXXXLate/Open Late dates XXXX, XXXX XXXX XXXX XXXX .... Date Opened XX/XX/2019 Balance $ XXXXLate/Open Late dates XXXX, XXXX XXXX XXXX XXXX .... Date Opened XX/XX/2019 Balance XXXX XXXXLate/Closed Late dates XXXX
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I HAVE TRIED TO DISPUTE WITH CREDIT REPORTING AGNECIES FOR OVER SIX MONTHS NOW I GET NOTHING BUT BOGUS REPLIES EVEN THROUGH HERE STATING THAT THEY HAVENT GOTTEN ANY DISPUTES THATS AN ABSOLUTE LIE BECAUSE I GET MAIL STATING THE ACCOUNT WAS VERIED ACCURATE HOW IS THAT. 

I HAVE BEEN TREATED UNFAIR AND I WILL NOT TOLERATE THIS BEHAVIOR ANY LONGER SO THERE YOU GO BELOW ATTACHED MY BANK STATEMENTS THAT PROVE THAT I HAVE BEING LIED TO AND HAVE HAD MY RIGHTS VIOLATED MONTLY BY YALL. 

I HAVE NOT ONLY NOT BEING LATE BUT ALSO PAID AHEAD FOR MULTIPLE TIMES AND NOT GIVEN ANY CREDIT WHAT ELSE DO YOU NEED. AND PLEASE DONT JUST REPLY TO SUBMIT A DISPUTE I HAVE DONE THAT CLEARLY FOR MONTHS.
Consumer complaint received 2020-12-15
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: Transfinancial Companies, Inc (LA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any status are investigation results.
Consumer complaint received 2022-07-22
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXXXXXX
Consumer complaint received 2020-07-27
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. (CA)

Unfortunately do to Covid 19 we were late on my our mortgage for XX/XX/XXXX. Once we were able to catch up on our mortgage in XX/XX/XXXX we did. We live in California and were put on an automatic shut down on XX/XX/XXXX. I was temporarily laid off as well as my wife. We both bounced back and were able to catch up on our mortgage the next month thanks to unemployment and the stimulus check. I was told the CARES ACT was supposed to protect us from mortgage lates being reported due to covid 19. Please remove the lates from all 3 mortgage bureaus.

I did contact them twice one being as recent XX/XX/XXXX and they removed the late fees but they have not removed the lates.
Consumer complaint received 2022-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NC)

Good afternoon, My mortgage formally was with Ocwen Loan Servicing and was sold to PHH Mortgage ( XXXX XXXX XXXX ( XXXX XXXX  ). There has been several occasion were this lender PHHXXXX XXXX  has been trying to get me to either refinance or do a loan modification. I have mention to them a numerous amount of time theses are not need at this present time when they were offered during COVID in XXXX. PHHXXXX XXXX  XXXX  has applied a loss mitigation/Forbearance fee of {$140.00}. I have repeatedly informed them of my decision regarding this following service. I've recently received my mortgage statement for XXXX and the fee have not been removed. 

Please Help, Kind Regards,
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (CA)

Unfortunately do to Covid 19 we were late on my our mortgage for XX/XX/XXXX. Once we were able to catch up on our mortgage in XX/XX/XXXX we did. We live in California and were put on an automatic shut down on XX/XX/XXXX. I was temporarily laid off as well as my wife. We both bounced back and were able to catch up on our mortgage the next month thanks to unemployment and the stimulus check. I was told the CARES ACT was supposed to protect us from mortgage lates being reported due to covid 19. Please remove the lates from all 3 mortgage bureaus. 

I did contact them twice one being as recent XX/XX/XXXX and they removed the late fees but they have not removed the lates.
Consumer complaint received 2021-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (PA)

The Credence company located at XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, keeps harassing me that I did not pay the XXXX & XXXX internet bill and needed to pay the debt. The internet line was disconnected at the end of XX/XX/2021 by XXXX & XXXX after receiving my request. But the credence is asking to pay the bill for the month of XX/XX/2021, when my internet line had already been cancelled. I have asked the credence to send me details ; however, they are not cooperating ; instead, they keep sending me collection notices without more information. They must need to stop harassing me.
Consumer complaint received 2020-07-27
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. (AL)

I've been contacting equifax for 6 months about inaccurate items on my credit report and the problem is still there. they have collection items on my credit report with no name just accounts that i cant directly dispute because its no name to who the original creditor or collection agency may be. Also other items that doesn't belong to me as my information was stolen in their data breach. this is a violation of the fcra and items must be removed immediately.
Consumer complaint received 2020-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (IL)

Account XXXX This letter is to confirm that the account referenced below has been satisfied in full. No further balance is due on this account. 

Reference Number : XXXX Creditor : XXXX XXXX Date : XXXX This communication is from a debt collector. The purpose of this notice is to collect a debt and any information obtained will be used for that purpose. 

If you have any questions, please contact our office at XXXX between the hours of XXXX XXXX. to XXXX XXXX Tuesday through Thurday and XXXX XXXX. to XXXX XXXX. Friday through Monday Pacific Standard Time. You can also reply to this message at XXXX.
Consumer complaint received 2021-12-01
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. (KS)

To start off, I legally changed my name from XXXX XXXX XXXX to XXXX XXXX XXXX in 2018. I am currently trying to buy a house through my bank. My bank keeps trying to access my credit scores, but is being refused my Equifax report. The error message that my bank receives from Equifax is " file suppressed, fraud request. '' There is no freeze or fraud warning on my Equifax account as per Equifax themselves and I can also see this on the account I created on their account. They suggested that it was being denied because the name on my account ( XXXX XXXX ) doesn't match the name my bank is using ( XXXX XXXX ). From there, I have been trying to update the name on my account. Equifax refuses to update my account with the new name. I first tried faxing my name change legal order to them. They apparently did not receive it within 3-5 business days. I then created an online account with them and tried disputing it online by only submitting the name change order. My first dispute was flat out deleted. The dispute number doesn't show up on my account and there is no dispute result to view or download. After calling, they said that they could see the document that I uploaded and the dispute on their end, but would need other documents such as my XXXX  card and a picture of my drivers license. I disputed it again and submitted those XXXX documents. Their response is that my name is currently reporting correctly on my equifax credit file ( as XXXX XXXX ) and did not change my name. I am now disputing it a third time, this time with the name change order, my XXXX card, my drivers license, and the information page of my passport. Seeing as they do not seem to care about actually doing their job, I would like to have the cfpb also contact them and put pressure on them to actually do their jobs. Since my name on their account does not match the one that my bank is using, my bank can not access my credit score and therefore can not approve me for a mortgage. This is actually causing me a lot of hardship because I do not currently have any place of my own to live. I am currently staying with family because I lost my apartment back in XXXX.
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

After banking with Wells Fargo for many years they have basically helped someone scam me out of my money. I was contacted by what is referred to in Texas as a zombie debt collector which basically is a third party debt collector that uses intimidation tactics to try and force you to pay a debt that is dead. They called me, contacted my husband and my son threatening me with a lawsuit and other tactics to try to get me to pay a debt I no longer owe. I wasnt totally aware of what was happening at first, so I gave them my debit card number and agreed to pay them {$50.00} one time, because their illegal tactics worked at first, when I believed their threats. I NEVER agreed to pay them anymore at that time and most certainly never authorized them to use my debit card number again. The person I spoke with never said a word about an automatic debit, which I NEVER would've agreed to. They emailed me some sort of credit card authorization form and agreement which I DID NOT sign because I realized what they were doing. Two weeks later they charged my debit card {$150.00} without my authorization. I disputed the charge, because it was never authorized and now they have stolen from me. Now twice Wells Fargo has denied my dispute claim and stole the {$150.00} from me again. Just because I gave the scam artist my debit card number and authorized a one time payment does not give them the right to use it anytime they want. This is theft and Wells Fargo has let them do it. The fact that I cant trust my bank with my money is deplorable. There has been no reasonable explanation as to why they have let this happen, simply because there isnt one. It is appalling that my bank would allow an unauthorized transaction to be made to my account and help someone steal from me.
Consumer complaint received 2022-06-16
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. (GA)

I am XXXX XXXX I am submitting a SECOND complaint against EXPERIAN and there is no third party involved. EXPERIAN STILL has my personal information inaccurate on my consumer report. My name is spelled incorrectly. My addresses are inaccurate, they don't belong to me. The name on my ID and social security card is how my name should be spelled. The address on my ID is the only address that should be shown on my credit report. I DEMAND EXPERIAN TO CORRECT THIS INACCURATE INFORMATION WITHIN 3 BUSINESS DAYS BECAUSE IT IS CAUSING ME PROBLEMS WITH GETTING HOUSEHOLD GOODS, SERVICES, A PLACE TO LIVE FOR MY FAMILY AND, TRANSPORTATION AND MORE. EXPERIAN is now liable for damages of {$1000.00} per violation for Civil liability for willful noncompliance with all three credit bureaus failed to comply. Pursuant 15 USC 168 1 and any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. I demand Experian to provide me with a copy of my written instructions and consent to furnish these fraudulent and inaccurate said account ( Exhibits provided ). Also please provide me with their Verification method to verify said account. In accordance with the FAIR CREDIT REPORTING ACT ( FRCA ) These three credit bureaus HAVE VIOLATED MY RIGHTS 16 USC 1681 SECTION 602 states I have right to privacy. 15 USC 1681 SECTION 604 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written permission or instructions. I only want positive reporting on my report, from this day forward.
Consumer complaint received 2020-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: C & M Associates Group, Inc. (PA)

repeated phone calls weekdays and weekends, early morning, late evenings sometimes after XXXX, calls received on cell phone and job phone. Threats regarding, bench warrant for my arrest.
Consumer complaint received 2022-06-14
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Account name and account numbers XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, 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 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