davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-25
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: ENCORE CAPITAL GROUP INC. (AZ)

One on my credit report is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 


XX/XX/XXXX {$600.00} The date is incorrect, its been more than 6 years & in the state of Arizona that is past the statute. The next one is with XXXX XXXX and I'm pretty sure its the same charge from XXXX XXXX  from XXXX or before that year? It shouldn't be on any of my credit reports. 

XXXX XXXX XX/XX/XXXX {$880.00}
Consumer complaint received 2022-06-20
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. (CT)

N accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX account number XXXX, has violated my rights. 

15 u.s.c 1681 section 602 A. States I have the rights 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.
Consumer complaint received 2018-08-07
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: Collection Bureau of America Ltd. (TX)

I am being fraudulently charged for a stolen water cooler by XXXX and Collection Bureau of America. The item in question was reported stolen when I learned it had not been collected by XXXX driver ( XX/XX/XXXX ) even thought I moved in XX/XX/XXXX. XXXX told me they would remove the charge ( XXXX was the representative 's name ) at the same time I reported the people who bought my home were illegally using our account. I provided proof that we had moved. I cancelled my account online, and left the cooler outside with our empty bottles the day we moved in XX/XX/XXXX. I disputed this with XXXX in XX/XX/XXXX and the response was simply that this account belongs to me. I should not be charged for an item that was stolen after we no longer owned or occupied the home and was left to be collected by XXXX with other items.
Consumer complaint received 2022-06-20
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. (TX)

Inquiry : experian XXXX XXXX XX/XX/22 Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2019-11-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC (FL)

On XX/XX/2019, I received a call from The Receivable Management Services XXXX ( RMS ) regarding a debt they say I owed with XXXX XXXX for a cancelled insurance policy in the amount of {$670.00}. I advised the rep that per my right, I could cancel my policy at any time, with no further debt owed. As I continued my discussion, I was advised I needed to formally open up a dispute regarding this debt. I was given the ref # XXXX. My dispute was filed via email, with the deceleration page attached as requested and I received a confirmation email on the same date of XX/XX/XXXX, with a promise of the dispute being resolved within a maximum of 30 days. 

On XX/XX/XXXX, I had yet to hear from RMS regarding the outcome of my dispute. Thus, I called and spoke with a very nice representative name XXXX XXXX. She informed me that XXXX had responded to my dispute, but to date their response was not being communicated to me. I advised her that I had not received any notification of the outcome, via mail, email or by phone. She stated no letter had been mailed. No phone call were to be placed as my number was not apart of those that go back into the cue for calls. 

As of today, she stated per her records, no communication had been sent or would be sent to me for follow-up on my dispute. I informed her this was unacceptable on RMS 's part as I was supposed to have received some type of resolution communication within the time frame promised. And since that did not happen, this needed to be removed my credit report immediately as I had followed all of the guidelines set forth in disputing inaccurate reporting according to FCRA. 

XXXX, graciously apologized for the error on their part and that this had not been handled correctly. To date, no notification has been received.
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Request to remove inaccurate/unrecognized collections accounts : XXXX XXXX XXXX ... XXXX {$1500.00} XXXX  XXXX XXXX  ... ... {$240.00} XXXX XXXX XXXX .... {$2700.00} I have disputed these invalid accounts but they have not been removed.
Consumer complaint received 2018-08-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (FL)

I have spent months in conditional approval with XXXX XXXX XXXX, I have had so many issues. 
1 ) they ordered the incorrect appraisal and decided not to use both values given in such appraisal.

2 ) Ordered an appraisal then did not check with to appraisal comapany about addendums to the appraisal till it was to late.

3 ) Changed the LE to require cash to close because they changed there mind about what values they wanted to use. 

this has been so ridiculous, I will be contacting a lawer the last complaint XXXX XXXX refuses to respond to my questions.. 
WORST company ever!
Consumer complaint received 2022-06-20
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: EQUIFAX, INC. (TX)

In accordance with the fair credit reporting act XXXX XXXX Bank Account # XXXX ; XXXX XXXX XXXX, XXXX Account # XXXX ; XXXX XXXX XXXX, XXXX Account # XXXX ; XXXX XXXX XXXX Account # XXXX ; XXXX Bank XXXX Account # XXXX ; XXXX Bank XXXX Account # XXXX ; XXXX Fed XXXX BK- XXXX An Account # XXXX ; XXXX Bank SS Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-12-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

PORTFOLIO RECOVERY ASSOCIATES Account Name XXXX Account Number Debt Buyer Account Type .On XX/XX/2020 this debt was removed from my XX/XX/XXXX report due to not having sufficient verification of debt. I disputed the debt with XXXX and XXXX  in XX/XX/2020 and asked for verification and validation of debt. I havent received anything from the credit bureau or creditor. On XX/XX/XXXX I wrote the creditor and credit bureau requesting proof be sent to me validation and verification nothing was received but the creditor and credit bureau updated this debt on my report with no proof. The date the dispute was submitted was XX/XX/XXXX, dispute updated XX/XX/XXXX and disputed results ready XX/XX/XXXX. It was not processed correctly and they did not require any proof be submitted only went on the creditor words. According to the FCRA that is illegal. Im asking this to be removed from all accounts immediately.
Consumer complaint received 2023-03-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

My mortgage company is Amerihome Mortgage LLC. I was in a forbearance for XX/XX/XXXX to XX/XX/XXXX. I was reported late to the credit bureaus on payment for XXXX and XX/XX/XXXX. I was told to start making payment XXXX XXXX, so I called in and made XXXX payment over the phone for {$4000.00}. In XX/XX/XXXX I was told my payment increased by XXXX for taxes my mortgage company had paid. I am XXXX XXXX XXXX XXXX, so I am exempt for property taxes in TX. For XXXX months I called my mortgage company and informed them that I am tax exempt. I called in XXXX and made another payment and also in XXXX. The mortgage company never applied my payment to my loan. They were in suspense. I was told by the mortgage company that they would put my payments on hold in XXXX in order to investigate the property taxes they said they paid. I was never notified of the outcome of the investigation, but now they are reporting me missing payments XXXX and XXXX days late. I spoke to a rep on XXXX XX/XX/XXXX and she saw wete payments made, but nothing credited. Now I recently sold the home and now I'm trying to obtain and now mortgage and they are seeing that I have late payments for my past mortgage. I kept in communication with the mortgage company, but they failed to keep me informed. They kept calling to tell me my payments were due, after they told me they were investigating the situation, but never called to say it was resolved. I've been living in a XXXX for almost a month waiting to close in a home and now I probably will lose this home because of the information reported by my previous mortgage company.
Consumer complaint received 2022-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit reporting act XXXX XXXX Bank Account # XXXX ; XXXX XXXX XXXX, XXXX Account # XXXX ; XXXX XXXX XXXX, XXXX Account # XXXX ; XXXX XXXX XXXX Account # XXXX ; XXXX Bank XXXX Account # XXXX ; XXXX Bank XXXX Account # XXXX ; XXXX Fed XXXX BK- XXXX An Account # XXXX ; XXXX Bank SS Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-08-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: KEYCORP (PA)

Key Bank auto loan. 

I have made several attempts to pay my loan over the phone and by mail. They are saying it takes so many business days to process. This has been going on for 2 months of me trying to pay my loan and no payment has been credited to my account. Yet the keep calling me at my work phone which I told them multiple times not too.
Consumer complaint received 2015-05-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I 'm receiving daily calls ( usually XXXX or XXXX calls per day ) from XXXX ( Capital One collections department ). I am not a Capital One customer and owe them no money. I 've called them XXXX times requesting that they cease calling me, but they have not.
Consumer complaint received 2019-03-27
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Home Loan Center, Inc. (OH)

Here is the e mail sent to me, it is a XXXX XXXX portraying as XXXX XXXX who only looks for lender. He asked me for XXXX dollars to be taken out of my bank to give me a XXXX dollar loan. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX   XXXX To : XXXX, XXXX, XXXX, XXXX XX/XX/XXXX at XXXX XXXX Hello, Congratulations!! 

Your Loan Application has been successfully approved for {$10000.00} By Our Company XXXX XXXX. To get this Loan, You do not pay any Upfront Payment. Fund would be credited into 45 minutes and your loan Approval ID, XXXX Total Loan Approval : {$10000.00} Your First Payment will be debited on the next month of your loan staring month. 

Once the Loan proceeds are available in your Bank Account, You can also begin making manual loan payments. There is no fee or penalty for making early payment on your loan, and you may make payment at any time. 

Complete Your Verification Part so we can be sure that Fund is going to Right hand and you are correct person to get this loan. Your loan Manager is available on Direct Line Number ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2019-11-06
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: AMERINATIONAL COMMUNITY SERVICES, INC. (MD)

When I purchased my home in XXXX, I used a loan program for XXXX XXXX that was administered by the State of Maryland. The loan servicer was XXXX and I had no issues. In XXXX or XXXX the loan was sold to Amerinat. The problems began shortly after. They created several payment issues with their mismanagement of payments and paperwork. Their customer service line has 60 minute+ wait times making impossible to speak to anyone. 
On XX/XX/XXXX @ XXXX XXXX, I submitted a payment with extra principle that would pay down my loan. Nearly 2 weeks later on XX/XX/XXXX, the amount had not shown up as a credit to my account. I also noticed an additional automatic payment was debited for a loan that should have a XXXX balance. 
I emailed Amerinat to get an explanation. They claimed my funds were being held in an " unapplied account '' and wasn't credited to my loan because their company policy was that I had to ask for a payoff amount in writing prior to making a payment. They continued to charge me interest despite holding my payoff in a random account I didn't authorize. They also made no attempt to notify me of any payment issue. In fact, the email I got after submitting the payment would lead any reasonable person to believe the money was accepted and applied to the account. 
Amerinat makes every effort to make the payment of loans as difficult as possible. They recently added {$120.00} in fees to payoff the loan without explaining what the fees were for and how they are legally allowed to charge them. They also will only accept a final payment in a certified cashiers check or money order via US Mail. They have not explained why they can't debit my bank account directly like they have in every other payment.
Consumer complaint received 2022-06-20
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. (VA)

Fail to investigate properly and Violated my due process right XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter back XX/XX/2022, stating They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times, and violated my DUE PROCESS RIGHTS ( Due process is the legal requirement that the state must respect all legal rights that are owed to a person. Due process balances the power of law of the land and protects the individual person from it. ) The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2022-06-20
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: EQUIFAX, INC. (AZ)

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 Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX XXXX, has violated my rights. 
XXXX Account # 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 2018-08-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I have both a private loan and federal loans serviced thru Navient. In late May we sent in a payment to pay the balance in full for both the private and federal loans. The check was sent in one single payment and was only applied to the private loan leaving a negative balance on the private, while the federal shows as unpaid. Since XX/XX/XXXX, I have been in constant communication with Navient trying to resolve this issue. Several times they've stated they would correct the issue, but it never goes resolved. The payment is still showing on my private loan while negative balance while negative credit activity has been reported to all credit bureaus. I've spoken to supervisors on both the private and federal sections who both stated 1 ). the money will be transferred to my own checking account so that I can go and make the payment myself. 2 ). they will do an internal transfer from both account to take care of the balance.
Consumer complaint received 2018-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: AMERICAN EXPRESS COMPANY (UT)

American Express notified my employeer I had an outstanding balance with them of {$19000.00}. I never put that much debt on this card. I have repeatedly asked for signed receipts showing these were my charges, which I never received. This erroneous claim cost me my security clearance, which in turn has cost me job opportunities and extensive decrease in income
Consumer complaint received 2019-03-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (IL)

Since XX/XX/XXXX, I have been trying to modify my loan with Flagstar Bank. I have sent them THOUSANDS of documents. On my last call in XX/XX/XXXX, I mailed and faxed EVERYTHING the gentleman XXXX  instructed. 
When I called him back, he tells me FILE INCOMPLETE. I said WHY? And he said I must explain all deposits over 500.00. I asked him, WHY DID YOU NOT ASK ME THIS THE LAST TIME? He admitted that he was in error. 
I then sent them those bank statements. I call today to follow up and he says FILE CLOSED. I do not want to work with him any longer. I have sent them insane requests that they have asked for, and they are doing NOTHING to try and help me. 
Please help me.
Consumer complaint received 2018-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

I have a paid collection account that was closed on XX/XX/XXXX from the Department of Veterans affairs on my Experian credit report that's showing a " failed to pay '' as of XX/XX/XXXX. I disputed the account in XXXX, XXXX but wasn't successful. I contacted the creditor ( Veterans Affairs ) in  late XXXX, XXXX to see if they could send my account information to Experian to let them know that the account was closed and paid in XX/XX/XXXX, the creditor sent the information to Experian and that was unsuccessful. The original amount was {$460.00}. not including the penalty. The amount I paid was {$600.00}. 

When a dispute is filed, Experian updates the " failed to pay '' as failed to pay XX/XX/XXXX, failed to pay XX/XX/XXXX and so on.
Consumer complaint received 2022-06-20
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. (FL)

According with the fair credit reporting act XXXX, Account number # 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. States a customer reporting agency can not furnish an account without my written instructions.