davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Starmark Financial LLC (TX)

I received a email about a debt, I responded to the email asking for validation, and sent a certified letter to this company, but they reported it to XXXX before they even validated it. By law I have thirty days to respond, its been a week. I have no knowledge of this alleged debt, and I have never heard of Starmark Financial.
Consumer complaint received 2023-04-01
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. (FL)

Back in XXXX or XXXX of 2022 I reached out to all 3 credit bureaus plus the creditors WHICH are XXXX XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX XXXX. I Sent a debt of validation letter from all 3 companies plus from experian, XXXX, and XXXX and all 6 companies failed to send me a letter with my wet signature or anything of that matter to prove that these accounts were mine. They failed to do so. Per 15 usc 1681b " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) 1 of this title '' So because you all failed to follow the procedure and legal steps these accounts legally have to be removed.
Consumer complaint received 2021-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: WINN LAW GROUP, APC (CA)

XXXX Bank was a XXXX lean holder for a XXXX XXXX Focus I purchased in XXXX. 
I purchased the vehicle for XXXX with XXXX percent APR. The vehicle was reposed due to the payment being made to the wrong company. They resold the vehicle at auction for XXXX Which paid off the loan completely. 
In XXXX I recieved a letter stating their was a judgement against me and that I owed {$55000.00} which the original amount was paid. The company representing XXXX Bank which is XXXX XXXX XXXX. 
The creditor is coming after me by requesting a wage garnishment from my employer. 
They recently took out {$1000.00}. 

This Company is going after me during a pandemic and THE CARE ACT authorities will be notified of this debt. 
I am head of household. My debt to income is above XXXX percent of my wages. I need to report this debt as fraud as this is not a amount due, XXXX was originally paid off. Any further contact with me or garnishment will result in a class action lawsuit against both companies. You have 30 days to respond with a closure notice of this fraudulent debt. Thank you
Consumer complaint received 2023-04-01
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. (OH)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-01-19
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. (VA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
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 — Account information incorrect
Company: EQUIFAX, INC. (NV)

I informed Equifax in XX/XX/2020 that a creditor was willfully and recklessly reporting false info to the Credit Reporting Agencies after being notified of the reporting error and of Equifax 's failure to investigate and correct the error. Creditor is reporting " inaccurate Date of Last Activity '', " Inaccurate Balance '', and " Inaccurate Remarks ''. 

Attached is a screenshot for your viewing.
Consumer complaint received 2020-07-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arbor Professional Solutions, Inc. (MI)

On XX/XX/XXXX I contacted XXXX XXXX XXXX and was told to send written request to said office to obtain validation of debt and payment statement ( some type of form so that I may submit payment in full via certified mail ). I sent written request via certified mail on XXXX to which XXXX XXXX recieved on XXXX. On XX/XX/XXXX XXXX XXXX sent me only a validation of debt letter ( which did not have all correct information ) I again contacted XXXX XXXX on XX/XX/XXXX requesting that the payment statement be sent to me so that I may make payment. I was told by XXXX that I would need to send written request and that if I sent in payment I would receive a dismissal in the mail within 10 days and that a dismissal would be sent to the courts as well ( there is no summon for me with the courts and she told me that she could not tell me what documentation was sent to me or anywhere else and advised me to seek legal assistance if I wanted such information ). I have since contacted my county clerk office, and no court summon has been created against me. I called back to XXXX XXXX the same day and spoke with XXXX, who I informed that I already sent in written request for a payment slip to be sent to me and he said he would put in a request for this to be reviewed and that I should follow up in a week or two. If I was  to make payment over the phone they could email me a copy of payment and it would also be sent to my origianl creditor. I would like a statement of collection attempt sent to me so that I may make  payment. I would like documentation of debt reported paid in full when I pay. This collection agency has sent zero correspondence to me before I contacted them via phone and mailed in a request for documents. 
I have recorded conversations of all above information, including all contact with XXXX XXXX, Arbor Solutions and XXXX XXXX XXXX.
Consumer complaint received 2022-03-03
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (CT)

I was in the Covid relief act and in forbearance and my late payments were reported late while I was in Covid relief and in forbearance and late payments were reported to the credit bureau and Im trying to have them removed from my credit report so I can refinance my mortgage. I have phh mortgage services. They reported 3 late payments while I was in forbearance under the Covid relief.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XXXX/XXXX/2022, I sent a letter regarding inaccurate information reporting on my credit report. since it is over 30 days of an investigation I have not received a response yet. I feel as if I am being ignored and taken advantage of. By law section 611 ( a ) states that failure to investigate items within 30 days requires an automatic deletion. It has been over 30 days i request these items be removed, if not I will file for litigation due to the stress this has caused me.
Consumer complaint received 2020-07-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TCF NATIONAL BANK (MN)

In 2016 I had identity theft and all my accounts with TCF were affected draining my income, and I was facing foreclosure. I was able to recover and pay everything current, but they still foreclosed without informing me. TCF never changed my account information when I reported fraud with my accounts and requested new accounts and cards, twice I was a victim from Tcf. I still am current on my mortgage and taxes since. Suddenly this past month I received a petition. For a foreclosure that should have never gone through, nor was i properly informed or served by anyone. The one I see on property records is missing the stamp among other mistakes. I need to prevent losing my home I built and lived in for over 30 years. Im retired and facing being homeless from fraud. Ive contacted lawyers everyday and struggle to find help with my case. People who are victims of fraud shouldnt have to face losing their mortgage for over 30 years and face being homeless.
Consumer complaint received 2022-07-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

THIS IS NOT A DUPLICATE! 

I was scammed by XXXX they approached me and manipulated me into investing. I did the transactions through my Coinbase Wallet in a mining pool. I did everything based on their instructions. After i had tried to take the funds out they stated that i would have to pay taxes.. i then realized that it was a scam. It all happened around XX/XX/2021. 

I lost XXXX USD
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I continually request a valid signed and dated copy of permissible permission used to access my credit report in XX/XX/2017 by Experian and XXXX XXXX XXXX XXXX ( XXXX  ). Both companies ignore, list request as duplicate, or reply with push of button with a programmed reply set up by it's management. I sympathize with employees that are treated like illiterate zombies for the sake of management for the sake of money. I have too much pride to be treated or to act like that.
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax is showing 2 items in dispute and XXXX and XXXX are reporting 1 account in dispute. I have not disputed these accounts and wasn't aware of that status until a lender pulled my credit report. I mailed a request to all three bureaus requesting they remove that verbiage from my credit file and they have not done so and it has been over 45 days since it was requested. Both accounts are in great standing so there would be NO reason to dispute them.
Consumer complaint received 2019-11-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (OH)

I was going over my credit report FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that THE FOLLOWING ACCOUNT IS NOT MINE : MERCANTILE ADJUSTMENT BUR # XXXX demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (SC)

I was mailed a Best But Citi credit card. I called Best Buy/Citi to inform them that I never signed up for this credit card. I then got in the mail a notification that the credit card had been used and purchased goods on this card, which was fraudulently created in my name. After this occurred, Best Buy canceled the credit card for being created fraudulently. However, this credit account is still on my Credit Report and I still get mail about an outstanding balance to be paid. I filed a fraud claim with Best Buy/Citi and XXXX. I never signed up for this card or made purchases on this card, and need it removed from my credit account.
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I wrote to the card company and told them that the card was not obtained by me it was obtained online by my ex fianc who was living with me at the time and is now currently serving time in XXXX XXXX. We have not been together for more than three years and I have been disputing this card the entire time. The debt is for {$600.00} around that amount. The card company is XXXX XXXX or Capital One.
Consumer complaint received 2020-07-30
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC (VA)

Repeated back to back calls within minutes of each other. Sometimes when they call they hang up before I can answer ( my phone rings maybe once ) and they call right back and do it again seconds later. When I called back they didnt identify themselves as Phoenix Financial Services. No profanity but the worker I spoke with was incredibly rude.
Consumer complaint received 2023-04-03
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (CA)

I made a same-day payment to BMW Financial on the XXXX day ( XX/XX/XXXX ) via XXXX XXXX XXXXXXXX XXXX. I have an email confirmation/receipt from XXXX XXXX  showing the payment was made and sent to BMW on XX/XX/2023 at XXXX pst XXXX pm eastern, which is before their payment cut off time. When I logged into my BMW account it showed that the payment is being reported as received on XX/XX/2023 ( 60 days late ). I reached out to BMW and they were unwilling to change the information despite my having proof of when the funds were sent to them.
Consumer complaint received 2020-07-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

In XXXX I applied for the homestead act in Texas. The property tax account was split into two parcels for both owners. Account 1 was paid while mine, account 2, was not. XXXX county sent me a bill with the missed tax payment in XX/XX/XXXX. I called XXXX to make them aware of the issue and was told to email over the notice received from the county. After that I received no call back so I called and was informed it was " under review ''. I kept calling once a month to check the status and was informed that it was still " under review ''. In the meantime I received monthly notices from the county indicating added penalty and interest to the original amount of {$3000.00} to what it currently is now {$4300.00}. On XXXX XXXX I received a notice from the XXXX County representative law office XXXX XXXX XXXX and XXXX, XXXX stating " Notice of Delinquent Taxes ''. The letter went further to say " suits will soon be filed against persons who have not paid their delinquent taxes. Once suit has been filed a person must then pay the substantial additional expense of court costs in addition to the taxes, penalty, and interest ''. I proceeded to call the number on the notice and was informed that I would need to pay the taxes by XXXX XXXX or it would proceed to litigation. After receiving this information I called XXXX on XX/XX/XXXX to inform them of the notice and short time frame we had to make the payment. I was informed that it " would be placed into escalation and a check would be disbursed Monday or Tuesday of next week ''. During this call I once again had to relay the parcel numbers indicating there was no record within the account. On XXXX XXXX I called to ensure the completed status of the payment to the county. On this call it was as if there was no record of me calling the week previous. I had to relay the parcel numbers once again and was informed that it would be " put into escalation ''. After this call I called the county attorney and informed them of the further delay. On this call XXXX informed me that if they did not receive a payment postmarked by XX/XX/XXXX that it would proceed to suit and litigation fees would be incurred. XXXX gave me the option of setting up a payment plan that would be {$450.00} a month over the period of a year. At this point I feel I have no other option than to do this payment plan as XXXX has been overwhelmingly non-cooperative in this situation and in fact has lulled me into a complacent state as I felt safe with it being " under review ''. I really do not have the money for this payment plan and have more than enough money in escrow to resolve the original amount. By signing up for this payment plan I also believe that I now incur all of the penalties and interests from this issue not being resolved in a timely manner. The issue has been placed into escalation finally but it has put me into a great financial bind that I was not prepared for.
Consumer complaint received 2022-11-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC. (TX)

Covid 19 happened. I lost over 75 % of my clientele and am trying to recover after having Covid multiple times. They told me they were going to charge the vehicle off. They never did and continue to call harassing morning noon and night. I'm tired of them calling. I told them if they want the car come knock on the door and I'll give them the keys. But, what they won't do is steal it. It's till my property.
Consumer complaint received 2022-03-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CO)

I was automatically placed into forbearance in XX/XX/XXXX when I began a ( second ) XXXX XXXX XXXX program. I contacted FedLoan in XX/XX/XXXX to request removal from forbearance. FedLoan informed me they would do so, but it would take several months. FedLoan also said it would count the payments made during the time I was in forbearance towards the PSLF program. 

Since then, I've submitted multiple employment certification forms, and FedLoan never counts the payments made in XXXX, XXXX, and XX/XX/XXXX towards forgiveness. I spoke with XXXX, a customer service representative, on XX/XX/XXXX, who informed me that he was going to re-issue statements for XXXX and XXXX. He would similarly issue a statement for XXXX. FedLoan would then recognize these payments for forgiveness. 

I reached out to FedLoan via email on XX/XX/XXXX for a status update. I received a response on XX/XX/XXXX that these payments were submitted for manual review. I haven't received an update since then.
Consumer complaint received 2020-07-30
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)

XXXX  and TransUnion have been reporting these fraudulent accounts under my name XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX  XXXX   XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX I didnt benefit, apply for, and authorize these accounts.
Consumer complaint received 2024-02-06
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: Experian Information Solutions Inc. (MS)

I recently submitted a dispute for a collections account due to account being a medical debt less then 12 months old which is violating reporting laws. Dispute was updated within less then 24hrs stating that account was verified as accurate but I was not given any proof of verification and account is still illegally being reported on my credit. 

Account : XXXX XXXXXXXX XXXX {$2800.00} I also disputed inquiries on my report which were not made by me. Company also verified these inquiries as accurate, however I have been shown zero proof as to where I am the one that authorized these inquiries. I have reported fraudulent activity to the FTC multiple times however the credit bureaus continue reporting these fraudulent inquiries on my report. 
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 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 2022-07-23
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. (GA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information and accounts in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  XXXX Balance : {$4900.00} XXXX  XXXX Balance : {$3000.00}
Consumer complaint received 2020-06-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I have been many issues with Shellpoint mortaging since they purchased my loan, they have constantly been assessing me with a escrow to pay for mortagage insurance which I already have through my homeowner association. I have tried to contact them and have provided my insurance as per my homeowner association and nothing.. Now I am receiving a escrow evaluation that includes a need for an additional $ XXXX. I am pretty much at my end at trying to get them to do right.