davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

All of those accponts are not belong to me. am requesting to remove as soon as possible.In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as  resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
Consumer complaint received 2022-07-23
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: Experian Information Solutions Inc. (IL)

I just got an updated copy of my credit report and noticed a bunch of hard inquiries that I do not recognize. 

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 2021-11-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CURO Intermediate Holdings (NV)

I made a pay day loan a a couple of years ago, which went unpaid when I was laid off due to Covid. 

When I got my finances back in order, I repaid the debt that was outstanding. I can provide documents if needed. 

However, weeks after I was paid off, suddenly another payment was taken out of my bank account after the fact I had already paid the debt. I called them to resolve it, and they asserted that I was still owing them. I called my bank to stop payment, and I figured they would stop trying to overcollect. 

Later on, a collections account appears on my credit report from them, and the derogatory mark was reported not once, but now twice the original. 

Ive been in credit repair and disputed them and asked them not to call, I do not owe them this debt, and they are falsely reporting data to extort from me. 
To this day ; they are still calling me. I am reporting them in hopes that they can be corrected and to desist their harassment. 
I also would like to request that they be fined and to pay for the financial hardship their false reporting has done to my credit score, and my sense of well being with their repeated calls. 
They need to stop. Extorting people who have the least means to pay them. 

Thank you very much.
Consumer complaint received 2020-06-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AL)

This XXXX named company, " Mr. Cooper '' has once again tried to generate more funds via a charade on force placed insurance. This go round it is force placed flood insurance. They make if very difficult for one to provide the support they request for existing flood insurance. 
They use a site other than their mortgage site to upload documents to never noting on the main site in an easy location the link to that site. 

Once finally finding the other site, I found they did not have the same loan number showing on the XXXX  " Mr. Cooper '' site as my loan. Finally, getting the loan number to which it is associated. I uploaded documents. It is very difficulty and unclear and they use several upload areas. I uploaded by current flood insurance certificate from my condo insurance coverage in all of the various areas one could upload. 

I have now rec 'd an email that they have force placed flood insurance at over {$800.00}. They take far too much time to manage their horrid and inadequate processes. Rather repairing their issues and making it simple for one to provide documents, they make it as difficult and time consuming as possible so as to enable them to generate unearned and egregiously high fees!!! {$800.00}! REALLY!!! THERE IS NO JUSTIFICATION FOR THIS FEE LEVEL!!!! 

IT IS TIME THESE PEOPLE BE STOPPED FROM ATTEMPTED ROBBERY!!! 

FURTHER, THEY DO NOT PROVIDE A PHONE NUMBER ONE CAN CALL TO EASILY RESPOND TO THEIR OWN LACK OF DOCUMENT TRACKING, BUT RATHER PROVIDE A MAIN NUMBER ONE MUST WADE THROUGH TO GET TO A PERSON WHO THEN CONNECTS ONE TO AN INSURANCE DEPARTMENT THAT IS NOT PROPERLY STAFFED AND ASKS ONE TO LEAVE A MESSAGE!!!

MY LAST EXPERIENCE WITH THIS FIRM OF THEFT WAS THEIR PLACEMENT OF A {$5000.00} COST FOR WALLS IN HO6 INSURANCE!!! THEY HAD VIA AGGRESSIVE MARKETING CONVINCED ME TO REFI TO GAIN A LOWER RATE. I HAD NOT PREVIOUSLY BEEN REQUIRED TO HAVE HO6 INSURANCE AND THE SNUCK IT IT THEREBY ACTUALLY ENDING UP TO INCREASE MY MONTHLY COSTS. I AM NOW SURE THAT WAS NOT BY ACCIDENT, THE REFINANCE LOWER RATE BAIT WAS ONLY A PLOY TO FORCE ME TO PAY THEM FOR FORCE PLACED HO6. THEY THREATENED, LIKE XXXX  XXXX  XXXX  TO FORECLOSE UNLESS I CAUGHED UP THE {$5000.00} WHICH I DID. WHEN I PROVIDED THEM THE HO6 COVERAGE, WHICH ONLY COST {$450.00} FROM AN INSURANCE PROVIDER, THEY RESPONDED THAT IT HAD NOT BEEN COVERED FOR 6 MONTHS AND THEY THEREFORE WERE ENTITLED TO THE {$5000.00}! WHEN I REPORTED THIS TO THE CFPB I GOT NO RESPONSE FROM THEM. UPON LATER CHECKING BACK WITH THE CFPB IT FOUND IT SAID THAT IS HAD BEEN RESOLVED TO WHICH I RESPONDED BY FILING ANOTHER CFPB COMPLAINT THAT IT HAD NOT. THEY FINALLY GOT BACK WITH ME TO SAY THEY HAD PUT THE MONEY IN MY ESCROW ACCOUNT AND " DIDN'T KNOW '' I WOULD WANT THE MONEY BACK!!!! IMAGINE!!! WHO WOULD WANT THEM TO HOLD MY MONEY!!! THESE PEOPLE ACT WITH CRIMINAL MINDS!!! THEY ARE THIEVES!! 

THIS NEEDS TO STOP!!!
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

In accordance with the FCRA, everything has to be 100 % accurate on my credit report. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
I have filed disputes in writing and electronically via Capital One Auto Finance amd 3 credit reporting agencies ' Credit Dispute Centers. 
To remove an old account. The account has been closed for 10 YEARS. XXXX, XXXX, and XXXX refuse to remove a CAPITAL ONE AUTO FINANCE account. According to their websites, correspondence, ( XXXX XXXX XXXX consumerfinance.gov ) and Capital One Auto Finance 's letters, closed accounts stay on credit reports for 7 years. The account for Capital One Auto Finance has been closed for 10 years. 
I have also contacted CAPITAL ONE AUTO FINANCE directly. At XXXX regarding a letter I received. According to their letter : closed accounts stay on credit reports for 7 years. CAPITAL ONE AUTO FINANCE refuses to contact the credit bureaus to remove an old account. This is in violation of FCRA and their own policy. According o Capital One Auto Finance representative, they do not have a Credit Bureau Team although the letter I received is from their Credit Bureau Team. 

I have disputed the old account with all 4 entities. Capital One Auto Finance tells me to dispute it with the credit bureaus. The credit bureaus tell be to dispute it with Capital One Auto Finance. No one Is removing the old account
Consumer complaint received 2020-06-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (GA)

I currently have a second mortgage with Specialized Loan Servicing. Due to the virus pandemic I am unable to work. I have attempted to reach out to this company to get assistance with reducing this payment. However, this company has refused. I am requested help with this case.
Consumer complaint received 2022-07-23
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. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account # XXXX, XXXX Acc # 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-23
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. (TX)

I submitted request to Transunion regarding removing the below inaccurate items from my credit report. To date I have not received a response. 

1. This inquiry was not authorized! 
XXXX XXXX XXXX XX/XX/2020 Please remove this fraudulent inquiry from my credit report. 

2. This inquiry was not authorized! 
XXXX XXXX XXXX XX/XX/2020 Please remove this fraudulent inquiry from my credit report. 

3. This inquiry was not authorized! 
XXXX XXXX XXXX. 
XX/XX/2020 Please remove this fraudulent inquiry from my credit report. 

4. This inquiry was not authorized! 
XXXX XXXX XXXX XXXX XX/XX/2020 ; XX/XX/2020 Please remove this fraudulent inquiry from my credit report. 

5. This inquiry was not authorized! 
XXXX XXXX XXXX XX/XX/2020 Please remove this fraudulent inquiry from my credit report. 

6. This inquiry was not authorized! 
XXXX XXXX XX/XX/2020 Please remove this fraudulent inquiry from my credit report.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Dynamic Recovery Solutions, LLC (LA)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have contacted Experian explaining to them that I did not apply to these companies and did not give anyone permission to review my check. Please delete these inquires XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I XXXX XXXX believes that XXXX XXXX XXXXXXXX has posted and continues to post a charged off account that has been posting late far more that XX/XX/XXXX. As you can observe from the XXXX XXXX post attached, XXXX XXXX XXXXXXXX has cut off 8-years of payment history. I have attached a copy of the 1099C issued by XXXX   XXXX XXXX that was applied to my XXXX income taxes as a financial gain from cancellation of debt. XXXX XXXX XXXXXXXX has in essence placed it position as XXXX but still applies a balance of {$5400.00} on all three pertinent credit reports. The real issue is that the account was late in fiscal year XXXX and should be deleted permanently and immediately from all credit bureaus. XXXX XXXX XXXXXXXX is violating its subscriber agreement with XXXX, Equifax and XXXX XXXX respectively. Accordingly, the account should be deleted permanently across the board with all credit reporting agencies. 
XXXX XXXX
Consumer complaint received 2022-07-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

Equifax is refusing to remove inaccurate information from the credit file they hold under my social security number. 

I have a letter from XXXX XXXX XXXX stating they were deleting the negative tradeline associated with the complaint I have previously submitted, but for some reason Equifax seems to claim to be the arbiter of what's accurate and what is not. 

I am demanding that they delete the negative tradeline they are reporting as a chargeoff on my credit report IMMEDIATELY. If they do not, I will use all legal remedies afforded to me by law to get this item removed, and Equifax will have to appear to a venue local to me to resolve this matter.
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I had student loans I had in XXXX. These loans have been put on my reports under different names and removed for more than 10 years. I have let each credit bureau know that these same loans keep getting put in my report under different names. Now they are under the name of XXXX XXXXXXXX XXXX ( XXXX ) and XXXX, XXXX, and also Transunion will not remove them. They have been disputed over 15 times and have been paid off. This account should be removed because it has been removed under every other name. The account is over XXXX XXXX XXXX. These accounts are 4 accounts on each report and have been paid off and should have been removed years ago. Loans originated in XXXX and went into collections in XXXX. I have disputed this with the credit bureaus and XXXX  XXXX XXXX for the past 5 years with no resolution. 


Also on Transunion there is an account called XXXX XXXX that has appeared on reports multiple times under different names that has been removed by all of the credit bureaus and Transunion is the only bureau that hasnt removed it. It is for {$180.00}
Consumer complaint received 2022-07-23
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. (MO)

I just reviewed a copy of my credit report and there are some hard inquiries that I dont recognize. 

XXXX XXXX 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
Consumer complaint received 2022-07-23
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: EQUIFAX, INC. (NJ)

I currently have a dispute going on but it seems like now Equifax is not reporting my information at all. Not sure what the issue is but through my credit monitoring site, I have yet to get information regarding my account. When I refreshed my credit report, it shows a blank with no report on Equifax like if they don't have one.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-07-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (TX)

XX/XX/XXXX I cosigned a vehicle for my son. My son did not have credit established so they required a cosigner. I was a homeowner with good credit. My son needed a vehicle for work, so we did not have any other options. 

The terms of the loan were predatory. We financed with Santander. The vehicle was a XXXX XXXX. The amount financed was {$27000.00} for a term of 84 months with monthly payments of {$670.00}. This puts the interest rate at 23.5 %. This was a usury rate. 

My son has had a constant struggle maintaining his monthly payments. He has been running 30 days late for nearly three years ( rolling 30 ). He has made multiple calls to the lender to work out a repayment or modification that could bring his account current so he would not be adding additional fees. Santander has been unwilling to help in any way. The slow payment has ruined his credit, as well as mine and disqualifies him from refinancing. His additional payments have been applied to his past due late charges, so he is never getting caught up. 

Last week we attempted to trade in the vehicle in an effort to get out from underneath this car payment and credit situation. My son has been paying on this vehicle for 76 of an 84 month term ( more than {$50000.00} ), and we discovered that he only has 28 % of the vehicle paid off. The numbers do not make any sense. If my son paid the remaining 9 payments he would have a balance of {$13000.00} remaining. The current balance on this vehicle is {$19000.00}. My son is unable to trade in the vehicle as the value is 25 % of the balance due after paying on this vehicle for more than 6 years. Even if the full term of payments were made, he would owe more than double of the value of the vehicle, this makes no sense whatsoever. 

This situation does not make any sense and I do not understand how this is legal. My credit has taken an enormous hit due to this situation, and with the fees that have been added I can not see a way that we can remedy this situation. Santander has clearly taken advantage of its consumers that are unaware of how they work and what they are charging. They are making it impossible to remedy an already bad loan by adding additional usury costs and fees that trap the buyer in a bad loan.
Consumer complaint received 2020-07-29
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings (NC)

This debt popped up on my report in XXXX of XXXX, after I starting repairing my credit. I have no knowledge of this debt from XXXX. I requested documentation from XXXX as well as speedy cash, neither could provide any proof. Not even a old phone number that was used. I had no choice but to pay them due to them reporting monthly like it was agreed prior and I was neglecting it every month and it still shows that I missed payments for three months. I contacted them in may and payed the debt off after first contact. It was never agreed to prior. I only paid it because I had no choice. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX United States was the collection agency and SpeedyCash was the original loan holder.
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX  XXXX {$190.00} XXXX  XXXX XXXX {$440.00} XXXX XXXX XXXX {$420.00} XXXX XXXX  XXXX {$970.00} XXXX XXXX XXXX   XXXX {$390.00}
Consumer complaint received 2020-07-29
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rocket Mortgage, LLC (TX)

Quicken Loans : Breach of CARES Act Forbearance and XXXX XXXX   guidelines. Sent paperwork that is intimidating and says it won't stop the foreclosure, when I went into a CARES Act forbearance program and asked for it early XXXX, when I was current on my mortgage. They didn't start it until XXXX, and said they start 30 days after the request. They would not allow me to get a six month forbearance, despite requesting numerous times. They mandate that I check in monthly via their website and answer questions, which is also not a requirement of the CARES Act. They refuse to allow me to request six months, and state they are compliant and will not offer anymore than three months, and then they require a reevaluation. They send paperwork stating how much I owe with intimidating language that isn't clear that I can pay the forbearance arrearages at the back end of the loan.
Consumer complaint received 2019-03-27
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: Financial Recovery Services, Inc. (FL)

I have not given permission to any original creditor to sell my debt to a third party. I have Financial Recovery Services send me letters to collect on a debt being reported by XXXX XXXX as a collection account that was originally owned by XXXX XXXX. I also have XXXX XXXX XXXX and XXXX XXXX XXXX reporting collections accounts that I dont owe and havent given permission for anyone to contact me sell any debt or anything else.