davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-06
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. (CA)

This is a follow up to a previous complaint ( # XXXX ) that was opened, which the company made false and inaccurate statements in their response that now need to be resolved. Please see the previous complaint if additional context is needed. 

On XX/XX/XXXX, XXXX responded to complaint # XXXX, with several untruthful comments regarding previous communication from XXXX representatives. In their response, they wrote such things as " The email noted that this could take a minimum of 30 days to be reflected on XXXX XXXX 's credit report '' when in reality the email they are speaking of states " Please allow 3-5 days for this to update on your Experian Credit Report. '' They did however the next day in a new message make a different statement claiming to need 30 days to resolve the false reporting to the credit bureau. It has now been 30 days and they still have not removed the false information they knowingly reported to the CRA. 

Also in their response dated XX/XX/XXXX, the representative stated " At this time, XXXX would also like to confirm with XXXX XXXX the tradeline is in the process of being removed from his Experian report. '' This statement is a blatant lie, since the very next day ( XX/XX/XXXX ) they responded to the disputed I initiated with Experian validating the account including its status and balance as accurate. I have since made several attempts to contact XXXX which went unanswered, so today I attempted to reach someone over the phone. When I got through I asked to be transferred to a supervisor and spoke with XXXX and later with XXXX. Both bluntly acknowledge the company had lied in their response, as well as each and every time they committed to removing the trader line from my CR. They then told me that there was nothing else anyone was planning to do and that I just needed to live with the negative information on my CR. I was left astounded by XXXX 's arrogant, " we're above the law '' attitude.
Consumer complaint received 2019-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AZ)

I am so confused where Experian and XXXX  get this public information Chapter XXXX Bankruptcy XXXX XXXX XXXX The recorder of deeds, the magistrate or the court itself did not furnish any of this information to the credit bureaus. XXXX sold this information to the credit bureaus.. Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system.
Consumer complaint received 2019-04-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Management Group, Inc. (GA) (NC)

On XX/XX/XXXX. XXXX ( presumably the date of service since this is the only thing I've been sick from. Turns out strawberry XXXX ) I had an XXXX  as an XXXX treatment for extreme stomach pain and the inability to eat or drink. I have good insurance and have not allowed anything to become delinquent or late or anything else. I check my credit through XXXX  XXXX weekly as maintaining good credit is very important to me and up until the following point I have zero collections zero negative anything period on any of my credit reports. Within the first 8 days of XX/XX/XXXX I checked my credit and found that my credit had a derogatory mark from receivable management group tagged with XXXX XXXX. I called XXXX radiology and was transfered to receivable management group. Where I was informed a XXXX dollar charge i had never been informed of was never paid out of thousands of dollars of services all of which had been paid, and was somehow seperate from the other charges and that I had accrued the debt had risen to XXXX. Insted of calling and asking to be paid XXXX XXXX sold the debt and once again instead of simply calling me so I could know that I had a simple small debt to pay receivable management group placed it on my credit as delinquent. I was never billed, never called, no letters, and the charge never showed up on mycharts which is how XXXX regional and affiliates communicate with patients including debts. I paid the XXXX to receivable management group with the agreement it would come off of my credit. The account is still on my credit to this day and still I have recieved no letters calls or any communication of any type concerning any debt or validation. My address has not changed in years nor has my phone number or email address. All of which XXXX XXXX system has.
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (AZ)

Not credit reports exist with XXXX  & Equifax. I have 2 secured credit cards, an XXXX store card and a credit building loan. At this time I do have XXXX reporting.
Consumer complaint received 2023-03-20
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. (NV)

In accordance with the fair credit act, this creditor has violated my rights. Under 15 Usc 1681 section 602 states I have the right to privacy. Under 15 Usc 1681 section 604A section 2 it also states a consumer reporting agency cant not furnish an account without my written instructions. Under 15 Usc 1666B a creditor may not treat an payment on a credit card account under an open and consumer plan as late for any purpose.
Consumer complaint received 2022-11-08
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: Experian Information Solutions Inc. (TX)

This is my other 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 XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$66.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-05
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: EQUIFAX, INC. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX XXXX and XXXX XXXXT
Consumer complaint received 2022-05-06
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. (TX)

I sent disputed to XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2019-07-05
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. (NV)

the following companies ran unauthorized credit inquiries on me.. I did not give them the permission to inquire about my credit status..Please delete this misleading information : 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 2019-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NY)

I wanted to close my AAdvantage Aviator red master ( through Barcays company ). I called XX/XX/XXXX. I said I want to close my card, and could I have the balanace so I can pay it all off. I was told my balance was {$110.00}. I was told I had to call a different number to close the account, and I would need my checking account routing number so I could send in the payment ASAP. I went home ( I called from work ) I called back with my check routing number, I gave it and gave permission to send {$110.00} in to company. I then closed my card that same night. The amount was withdrawn from my checking XX/XX/XXXX. I got a letter in the mail, about a week or week & half later ( dated XX/XX/XXXX ) saying " as requested we closed your AAdvantage aviator red world master cardXX/XX/XXXX account. The balance on your account as of XX/XX/XXXX is {$210.00}. '' I was shocked. I called customer service ans spoke to 2 different people. One explained when I called on XX/XX/XXXX I was only given the XX/XX/XXXX balance. I asked " why would you only give me XX/XX/XXXX  balance when I was trying to close my card. I explained it was their mistake, and they said no it wasn't their fault and I only asked for XX/XX/XXXX balance ... .which I know isn't true. Nothing got resolved from that phone call. I then sent in a payment of XXXX for the remainder of the XXXX. It was withdrawn XX/XX/XXXX. So i thought I was done and paid my balance. Since then I have gotten 2 more bills for late fees that have incurred since my first XX/XX/XXXX attempt to close this account. I get phone calls from them sometimes 2x a day asking me to call them about my balance. My XX/XX/XXXX statement was for {$110.00} with a {$41.00} interest/late fee. I got a bill XX/XX/XXXX for {$150.00} with a {$39.00} late interest fee. my XX/XX/XXXX statement was {$44.00} where I had a {$1.00} interest charge but no late fee. I did just get an XX/XX/XXXX statement for {$73.00} with {$28.00} late/interest fees. I feel if I called XX/XX/XXXX, and they had given me my entire amount THEN, I would have paid off the balance in FULL, and not have gotten all of these late fees.
Consumer complaint received 2019-07-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have a car financed with XXXX XXXX XXXX, I've discovered on XXXX XXXX website that I have an offer for refinancing my vehicle with Capital One Auto Finance on XX/XX/2019 I've submitted my paperwork with them ( W-2s 1099s, employment information as well as I mailed title of my vehicle ( lien ) to Capital One Auto Finance to the address provided, since then they placed a HARD inquiry on my credit and were missing my documents, every time I called them they had an excuse such as : " we could not verify your employment because your employer doesn't wan na pick up phone '' ( provided with phone number and extension of a person to reach ), " we need full 6 months of statements, we are still missing XXXX-XXXX '' ( initially provided ), " we are missing statement for XX/XX/2019 '' ( initially provided ). 
Capital One Auto Finance are very negligent with your documents and please be aware of that. Eventually I called them demanding to remove an inquiry and reply was : " it is not you need to solve it with a credit bureau or mail an official request to our special unit ''. 
I need to spend money because you negligent? I'm so upset and fell like these people do not take their job serious. Capital One, I'm not buying a sandwich with/without a pickle, it is a vehicle refinance! 
Note : Loan number that is in a next section is an actual reference number for a loan offer that was not taken due to constant missing docs on their end.
Consumer complaint received 2021-11-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MA)

URGENT!! - In XXXX, XXXX, the CEO of XXXX XXXX, XXXX XXXX stated ( article attached ) : For the loans that we own, we have extended our moratoriums for foreclosures and evictions until the end of the year. 

My family and I have been scheduled to be evicted from our family home on XX/XX/XXXX by XXXX XXXX ( XXXX ( Eviction attached ). Despite me furnishing the article to the Court and XXXX representative, Attorney XXXX XXXX, of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, confirmed that the CEOs words will not be honored ( emails attached ). I was not given any explanation as to why this XXXX moratorium can not be extended to me. XXXX claims to own my mortgage and I have proof to the contrary. XXXX illegally foreclosed on my home on XX/XX/XXXX. Among other issues, XXXX used a blank, fabricated and fraudulent Assignment of Mortgage that was backdated 7 years ( dated XXXX ; filed XXXX ) and other fabricated documents and never presented the original note to my property. Fabricated documents can not transfer property. Prior to them showing up to auction my home, I had never had any dealings with XXXX. 

I have been XXXX since XX/XX/XXXX when I had a roll over crash on XXXX. XXXX. I was denied forbearance or modification to help me during my recuperation which resulted in this foreclosure case. Prior to having many injuries, XXXX XXXX XXXX XXXX XXXX XXXX XXXX after the accident, I have been a homeowner in XXXX since XXXX and had never missed a mortgage payment. 

ADDITIONAL INFORMATION Specialized Loan Servicing was ( my Servicer ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX
Consumer complaint received 2019-10-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Account Recovery Specialists, Inc. (NC)

I have a collection on my credit report Numerous times with all three credit bureaus only to have them come back and see that it is verified. So today I finally called this collection agency. I asked them for original proof that this was something I entered in to prove my identity and signature something to prove that the account belong to me. Provide me anything at all not even tell me anything because they can not even collect this debt in the state I live in they are not license thats XXXX XXXX XXXX XXXX XXXX la. Contact XXXX   XXXX and XXXX XXXX and they are very disrespectful when Im trying to explain this they want to cut me off and they are unable to hear reason that they have been violating my rights to report accurately verify the information when I dispute it because I have disputed it multiple times and if they cant give me the information this company they sure as heck cant give it to Bureau because they can not practice collections in the state of North Carolina. The company agreed supposedly to delete this item but I have yet to see
Consumer complaint received 2019-07-05
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 have paid off two collection accounts with the XXXX XXXX XXXX XXXX XXXX. Both accounts were charged off and sold to a collection agency by the name of XXXX XXXX XXXX. The accounts are showing I have a balance on my credit reports. The items should be marked Paid Collection.
Consumer complaint received 2023-03-20
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance XXXX {$1700.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2023-03-20
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. (FL)

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 immediately. 

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 2024-04-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC. (IA)

I have recently filed a complaint to the morgage company pertaining to a request to reconsider repayment plan of back morgage payments due to long Covid forbearance. My first two request was for a payment of over {$2500.00}, which is far beyond what I could pay with my salary and bills ( which include student loans ). On the XXXX of XX/XX/year>, someone called for the Ombudsman Department called multiple times in the morning, I called back and told them that I would call back after my meetings, I did so that day and left a message. I called again Monday the XXXX and left another message, and again Tuesday. I called the regular mortgage company number and got a rep on the line, told the that I was calling back all week. After talking to them they said that I had no other options if I could not make the payments that they sent in the agreement, and my only options was short sale or deed in lieu of foreclosure and told me that they could take that application over the phone. I told them I would have to think about this. Within a 15 minute period after the call I received a notice of response to the CFPB stating that there was a request to have investors of the loan consider my request. ( Update ) On XX/XX/year> I received a notice that i have withdrawn from assistance, I did not know of a request to the investor for an exception, or this being an option. The letter that was sent to CFPB was sent right after I called Select Portfolio Servicing, and they told me that I either had to take to payment or I could short sale or deed in lieu of foreclosure, there was no other option according to the rep. I feel that i was deceived into believing there was no other option.