davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-28
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. (NV)

On XX/XX/2019 I received a notice from XXXX XXXX that there was a new hard inquiry on my Equifax credit report from XXXX. I did not apply for any credit at that time. On or about XX/XX/2019 I called XXXX and informed them. I was transferred to there " security '' section. They informed me that an application was submitted in my name, but the information submitted didn't match mine. They considered it a fraudulent application and denied the credit. They also informed me they would submit to have the inquiry removed from my Equifax report and put an alert on my account ( I have no account with them ). On XX/XX/2019, another hard inquiry appeared on my Equifax report from XXXX. Again, I contacted them ( spoke with XXXX ) and informed them I had not applied for credit. He informed me that again, the information didn't match mine and they considered it fraudulent. I even received a letter from them stating credit was denied because of " Risk of Invalid Identity ''. He informed me that they would resubmit to have the XX/XX/XXXX hard inquiry removed and have the XX/XX/XXXX hard inquiry removed. To date, both hard inquiries remain on my Equifax credit report. I contacted Equifax and was told there was nothing they could do to remove the fraudulent inquiries. I have since put a fraud alert on all three major reporting agencies due to the attempted identity theft.
Consumer complaint received 2018-03-07
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: UNITED GUARANTY CORPORATION (WA)

I was hired to list and sell my clients house as a short sale. After obtaining all of the documentation to submit a short sale package to both lien holders the 2nd lien holder United Guarantee ( AKA- XXXX MI ) asked for my letter of authorization in order to discuss a short sale review. After submitting the offer, letter of authorization and closing disclosure i received an email from a XXXX XXXX who simply stated he declined in participating in a short sale for the client. 
The first lien holder has accepted their package for review, and the 2nd would not even look at the request for modification of the original loan to do a short sale.. They would not look at any of the seller financials or requests made for a review. XXXX XXXX just sent me an email declining participation with no review.
Consumer complaint received 2018-10-08
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. (GA)

I have disputed the late payment status reported on the account XXXX FKA XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2018-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AR)

Experian mailed a copy of my credit report dated XX/XX/XXXX which included the following accounts that were previously disputed which Experian stated '' the disputed information does not appear on your current Experian credit report. The accounts in question are ; 1.XXXX XXXX XXXX # XXXX, 2. XXXX XXXX XXXX # XXXX, 3.XXXX XXXX XXXX #, 4.XXXX XXXX/XXXX  # XXXX, 7. XXXX/XXXX   # XXXX, 8.XXXX XXXX/XXXX XXXX XXXX # XXXX, 9.XXXX XXXX XXXX # XXXX, 10.XXXX XXXX/XXXX XXXX # XXXX. I am included a copy of my Experian Credit report for supporting documentation
Consumer complaint received 2021-04-08
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Aargon Agency, Inc. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Consumer complaint received 2018-07-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

I have repeatedly requested in written Qualified Written Requests to SPS, in telephone conversations with SPS, in telephone conversations with the abustmans office of SPS, in letters to XXXX XXXX, and in copies of the Qualified written requests to SPS legal representatives, and even in the CFPB complaint system numerous times the following information that has repeatedly been promised but never provided : 1. Accounting information from XX/XX/XXXX loan origination thru XX/XX/XXXX which includes all payment information, fees, interest, escrow information and payments for the loan and the complete loan accounting history and loan balance history and transfer and assignment information. 
2. TOTAL escrow accounting information from XX/XX/XXXX loan origination thru XX/XX/XXXX. 
3. Accounting information and all history concerning trial modifications and any payments and credits for them and also the verification of any loan modification alledged balances and accounting. 
The above information has NEVER been provided. Althought SPS and the previous servicer, XXXX  XXXX XXXX, provided history of payment records during their servicing of the loan they have both responded that they have no previous loan records from the XX/XX/XXXX loan origination timeframe thru XX/XX/XXXX and can not therefore provide it. BUT they then claim that they have satisfied the request for the information and close out the request over and over without providing the information and creating confusion and an illusion that they have complied with the requirement for the information. 
I submitted a request again for this information in this forum again ( along with a written QWR ) and provided several copies of the prior QWR reflecting just the most recent requests for the information and cited that they again responded that they had provided the information previously. In that complaint I also provided the attachments of the actual documents that had been provided to clarify and show clearly that they had not actually provided all the document. SPS promised to " work '' on getting the information but they did not provide attachments showing that they had provided even the data that they claimed they were sending besides the above required information. 
SPS has provided a certified document in court from a representative of XXXX XXXX  that certifies they have reviewed all accounting on the loan and deem the amount they claim is owed as accurate. HOW CAN THEY legally certify that information if they do not have all the accounting and escrow information along with the other trial and modifications accounting? XXXX XXXX  claims to have none of the account information in the past 2 weeks and has referred me to SPS.
Consumer complaint received 2019-09-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (VA)

Went in to purchase a vehicle. Spent several hours negotiating a price we discussed before hand. Settled it's with the dealer and went on to sign the deal. He switched the number around and added the same item back on to the document but spelled out differently we didnt catch it at the time but apparently it's a known scam. XXXX XXXX was falsifying items unbeknownst to us. He admitted to this in the office after confronted about items not matching up and not giving us all the forms after the purchase. After being pulled all the way to the other side of the lot for financing and being told our agreed upon payment method XXXX XXXX XXXX would not be accepted one of us left to rush home for a check book. This division added to the confusion they would use to not turn over any receipts or documents besides the e-signature thing mixed in with the swapped buy order. Once we returned back he had none of the items and made excuses and delayed handing them over until general service XXXX intervened. He then presented a document he said was for the vehicle a document he said was from the time of signing. The document listed a different vehicle but had same model number at a lower price.. XXXX XXXX XXXX said it didnt exist and was not on the list of vehicles in the system he had showed us. Upon further review we found that the XXXX VA XXXX XX/XX/14 was digitally signed for accepting a loan. We were in the office physically and were signing with a pen. The signature was so foreign to us that we initially thought it was forged. Mentioned to this to XXXX XXXX and he never mentioned it was an e signature. He only stated no one had forged it. However someone else signed a e signature on our behalf without discussing this with us. Further discussion revealed that the staff keep the sales documents in an EDITABLE document. XXXX demonstrated this by deleting the lines in a document, showing he could. He then tried to take it back by saying only that one page was editable. But it was in same pdf so the entire documents integrity is in in question. So happens the doc in question they had on file was empty while the one we signed was not ( we took a picture of it ). We were presented multiple buy orders with differing numbers signed as proof we agreed to one price. When questioned about this he blamed the computers. It didnt seem to matter that they had so many with different versions of the price of the vehicle. Salesman was engaged in fraudullent manipulating documents telling stories that didnt add up to any of the other employees not even the XXXX XXXX XXXX. We requested to return the vehicle as it was obvious they were not being genuine. They said no, as if counting on the doctored up contracts to protect them. While he expressed confusion as well the XXXX XXXX didnt really care about what had been done.
Consumer complaint received 2018-08-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (AR)

XXXX XXXX/XXXX XXXX has violated the Fair Debt Collection Practice Act, section 809 ( a ) ( b ). This account was opened or established without my knowledge or consent. XXXX XXXX/XXXX XXXX provided no initial communication within the five days of any collection attempts regarding this debt. In addition, XXXX XXXX/XXXX XXXX has failed to provide any original copies of verification obligating myself to this debt. Since XXXX XXXX/XXXX XXXX has not been able to provide strict proof of verification, collection efforts must cease and this account should be immediately removed from all three major consumer reporting agencies.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-05-09
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. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-05-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mountain Run Solutions, LLC (FL)

This collection is from a company called XXXX. I canceled the XXXX XXXX XXXX XXXX when I sold the property attached to it in XXXX. When I called, the representative made me aware that everything was good and that the current owner had taken over the system. Some time passes, and I review my credit port and find the XXXX account was sent to collections. I called XXXX and spoke to a representative and was told that something went wrong with my cancellation while they were going through some company change over. The representative told me I was responsible for the equipment. I complained and requested a supervisor who repeated that same story. I, at that time, told XXXX I should not be accountable for their employee errors and I would never pay for something I was not responsible for, and they needed to check their recordings. This was back in XXXX to XXXX. Now, fast forward to XXXX, I get a text from a debt collector that they have bought the debt, and I need to settle it before a specific date. I never received any documentation. I assume they plan on suing me to recoup more money from me. This is a false debt that I should not have to pay. XXXX failed to execute their cancelation practices correctly and then put the blame and the obligation on me when I did what I was supposed to do. I called and canceled the service, and the new owner took over the service. Why am I being harassed by this collection company?
Consumer complaint received 2018-07-29
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Diversified Consultants, Inc. (OH)

i would like to know why diversified consultants thinks they have the right without my permission to share and resell the debt they marked as fraud in their systems and my last complaint against their company got them to delete it from my credit report and from their systems but yet they think they have the right to resell my personal information to XXXX XXXX after after they confirmed the account was fraud? how the XXXX can your company do that? please explain because i am leaning toward you violated the fair debt collection practices act the account was for a XXXX account i have no clue about and does not belong to me.
Consumer complaint received 2018-03-07
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: EQUIFAX, INC. (IL)

I received a letter from Equifax stating someone had tried to get a XXXX Credit Card in my name. This happened XX/XX/2018. I contacted the number on the letter and they told me to fax in a letter with my name, date of birth, social security number, address and email address. I did not do this in fear of it being another scam.
Consumer complaint received 2022-05-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Consumer Portfolio Services, Inc. (KS)

Used vehicle loan XX/XX/2020 Consumer Portfolio Services IncXXXX {$16000.00}, 22.25 % XXXX XXXXXXXX payments totaling {$10000.00} paid to date. Principle paid $ XXXXOnly two payments were late. $ 416 monthly payment applies {$110.00} toward Principle plus a {$14.00} fee to process each payment. Attempting to sell the vehicle to a dealership. Consumer Portfolio Services , Inc. is not cooperating with attempts to obtain the pay-off amount over the past several past months. At least ten attempts were made to request a letter with compounded interest the way the buying company needed. Unable to obtain on letterhead. Unable to get quote modified according to XXXX request. XXXX said they could be reached on Saturday but no one answered the phone. They would not cooperate to do a three-way call. Another company is interested at a lower rate with the same problem of communication. XXXX is the next challenging attempt to sell the vehicle and get out from under the high interest rate.
Consumer complaint received 2018-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (CA)

I APPLIED FOR A US BANK SECURED CREDIT CARD ON XX/XX/XXXX AT A LOCAL BRANCH THE BANKER HELPED FILLING OUT THE APPLICATION AND PROCESSING A CASHIERS CHECK FUNDED BY MY CHECKING ACCOUNT AT US BANK. I COMPLETED THE PROCESS. 

XX/XX/XXXX THE ACCOUNT SHOWS UP ON MY CREDIT REPORT BUT I DID NOT RECEIVE MY CREDIT CARD IN MAIL YET UNTIL XX/XX/XXXX WITH A AVAILABLE CREDIT OF {$470.00} THEY HAD DEDUCTED THE {$29.00} ANNUAL FEE, I WENT AHEAD AND USED THE CARD SUCCESSFULLY SEVERAL TIMES BETWEEN XX/XX/XXXX THRU XX/XX/XXXX. MY ACCOUNT WAS FORCEFULLY CLOSED LESS THAN 1 MONTH OF RECEIVING THE CC I REQUESTED A REASON NO REASON WAS GIVEN OR ATTEMPTED TO ATTEND TO MY CONCERNS. 

I WILL NOT BE RECEIVING A REFUND OF {$29.00} FOR ANNUAL FEE I HAVE ALSO INCURRED A {$27.00} fee + {$2.00} interest for a late payment that was due XX/XX/XXXX WHEN I HAD PREVIOUSLY CALLED AND CONFIRMED THAT THE {$49.00} DUE ON THE CARD WILL BE DEDUCTED FROM MY SECURED DEPOSIT AND THE REMAINING BALANCE RETURNED TO ME IMMEDIATELY THAT WAS NOT THE CASE INSTEAD US BANK CHARGED A LATE FEE AND INTEREST FEE ON A CLOSED ACCOUNT AFTER THE FACT THAT IT WAS SUPPOSE TO BE REVIEWED BY XX/XX/XXXX AND MADE A CHECK OUT FOR THE REMAINDER BALANCED OWED TO ME LIKE I WAS TOLD. 

THE ACCOUNT NOW HAS A BALANCE OF {$0.00} AVAILABLE CREDIT AND XXXX BALANCE. 

MY CHECKING ACCOUNTS WERE ALSO CLOSED.
Consumer complaint received 2018-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (CA)

I've been a cardholder at U.S. Bank for at least five years. In those five years I've maintained perfect payment history. Early last year my 0 % promotions periods ended and my interest rates surged to 24-26 %. Despite changing careers, being forced to take a pay cut, and moving in with family to be able to continue making my credit card payments on time, I've tried asking various representatives and managers to lower my interest rates ... .but they've been extremely unhelpful in the following ways : 1 ) The representatives/managers mislead the consumer by stating they will look to see if there are promotions for lower interest rates, knowing that there are none ... ever ; 2 ) Depending on who you talk to, they misinform the consumer about credit hardship programs. For example, one representative told me earlier this year that the hardship department would talk to me if I was only one- to two days late making a payment. Yet when I tried doing that, I was charged a late fee and was basically told my account wasn't late enough, and that it would have to be in collections in order for them to work with me. I demanded a refund of the late fees due to their misinformation, which they granted. But then I was told by another manager that since most of my credit card accounts are closed, I'm locked in at that ridiculous rate and there are no promotions to lower my interest rate on the remaining open card ; and 3 ) U.S. Bank representatives/managers say the ONLY hope at a lower interest rate is to contact Consumer Credit Counseling. U.S. Bank is the ONLY credit card company that does not offer a hardship program to consumers struggling to make on-time payments. I negotiated lower interest rates and fair payment plans with XXXX XXXX, XXXX, XXXX, and XXXX.

To add a cherry to the sundae, tonight ( XX/XX/18 at about XXXX XXXX. PST ) I spoke with an abusive upper level manager, ( XXXX, ID no. XXXX  ). He called me irresponsible, leveled all sorts of accusations towards me about my " lifestyle decisions, '' made judgments about me racking up debt when I simply tried to explain to him that I changed careers and had to take a pay cut, thereby having to use credit cards to live on to make up for the loss. I've since closed out those cards so I could make efforts to pay them off. He could see my accounts ... that they were closed, yet continued to be abusive, condescending and degrading.

I'm in the process of interviewing attorneys to help me further escalate this complaint, and am reaching out to your agency as well for a fair resolution.
Consumer complaint received 2018-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (SC)

I requested validation from this company that includes my signature. The company sent a bill statement from XXXX XXXX in which I never had an account with.

Ive also sent a certified letter on XX/XX/18 request that this company cease with the telephone calls and hey have violated my request by calling two times a day after the letter was delivered.
Consumer complaint received 2022-05-03
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION (GA)

On XX/XX/XXXX Sallie Mae misreported my loan status as being 60 days past due leaving extreme negative impacts to both myself and my cosigner. It was then up to me to spend weeks attempting to fix their mistake. Eventually it was corrected by them. 

On XX/XX/XXXX Sallie Mae again misreported my loan status. On XX/XX/XXXX I called in on a recorded line to make my minimum payment, the representative on the phone assured me the payment I would be making would satisfy my account as to NOT report delinquent to the credit bureau. On XX/XX/XXXX again it was misreported even after having confirmation I was making a satisfactory payment. My cosigner and I 's credit suffered tremendously affecting both our abilities to open new lines of credit. 

This has yet to be corrected. 

Attached are screen shots of an email I received reveal that Sallie Mae was going to report on XX/XX/XXXX my loan being past due, the second photo shows payment confirmation from XX/XX/XXXX, 2 days before, XX/XX/XXXX they reported delinquent. There are XXXX more emails with payment confirmations for the remaining loans I can provide however I feel the one satisfies pointing out the discrepancy.
Consumer complaint received 2021-04-08
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings (TX)

ACCOUNT WAS SENT OVER TO COLLECTION AGENCY ASTRA RECOVERY SERVICE ON XX/XX/XXXX BUT THE DEBT WAS PAID XX/XX/XXXX IN FULL. I WAS TOLD BACK IN XX/XX/XXXX THAT THE DEBT WOULD BE DELETED. I REACHED OUT IN IN XX/XX/XXXX TO BE TOLD TO SEND OVER A LETTER AND THEN 30 DAYS LETTER IT WOULD DELETED. I CALLED BACK XX/XX/XXXX AND NOTHING HAPPENED. THEN I TRIED AGAIN IN XX/XX/XXXX ONLY TO BE TOLD TO NO DISPUTE WITH THE CREDIT BUREAU TO SEND OVER ANOTHER LETTER. WE ARE IN XX/XX/XXXX AND THIS FILE HAS NOT BEEN DELETED. I AM TRYING TO PURCHASE A HOME AND THIS IS HOLDING ME BACK. PLEASE HLEP.