davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-07
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. (AZ)

I have sent 4 letters to Experian and XXXX to remove some items off of my Credit Report. They have not provided Verifiable Proof ( an original consumer contact with my signature on it ). While some items have been removed not all, even though XXXX has removed the rest of the items.
Consumer complaint received 2017-06-20
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: Fidelity National Information Services, Inc. (FNIS) (IN)

ALL CREDIT REPORTING COMPANIES MUST CEASE ALL CREDIT INFO OM ME UNDER THE F.C.R.A. 15 USC 1681a ( g ).
Consumer complaint received 2018-10-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

For over a year now, I am being called every day. I told them that I do not have an account with them because they are not the original owner of the account to collect the debt and that they brought the debt. I have also explain that I didn't sign anything with they stating I owe them. Since then, they have been calling me every day all day along and they call my job and I told them " do not call my job, I am not allowed to have debt collectors contact me on my job '' they ignore me and continue to call my job and ask to speak to me, and when I answer or anyone answer they start asking for me stating they are a debt collector needing to speak with me ''. I am tired of them calling my job and my cell phone non-stop from morning to night.
Consumer complaint received 2018-10-23
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

The collection amount to XXXX was paid in full. You are required under the FCRA and FACTA to accurately report the status of any account to the credit bureaus, and you are prohibited under the HIPAA and State privacy regulations from doing so on a PAID account, as there is no longer any permitted business purpose. Therefore I am requesting you promptly rescind all such account information furnished to XXXX XXXX, and require them to purge their records of all reference to this account, and that you insure that any and all reporting of this account is immediately deleted from my credit reports. This simple procedure to request the deletion of ALL reference to this account from the records of XXXX XXXX, and to require them to have this account information deleted in its entirety from my credit reports will resolve this problem completely.
Consumer complaint received 2022-07-11
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. (OH)

In accordance with the Fair Credit Reporting act ; 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 a account without my written instructions.
Consumer complaint received 2019-03-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Marlette Funding, LLC (MA)

ON XX/XX/XXXX XXXX XXXX WAS SENT CERTIFIED MAIL RETURN RECEIPT WHICH THEY RECEIVED AND SIGNED FOR, THE COMMUNIQUE CONTAINED INFORMATION THAT A XXXX SINGLE PAYMENT WAS ENROUTE TO PAY A PERSONAL LOAN AND A DIRECTIVE ON HOW TO APPLY THE XXXX PAYMENT ' .THE DIRECTIVE BY BORROWER WANTED XXXX PRE PAYMENT APPLIED BY MONTHS TAKEN OUT OF THE XXXX .THE ACCOUNT WOULD THEN BE PAID THRU XX/XX/2020.4 CALLS HAVE BEEN MADE TO 3 DIFFERENT REPRESEANTIVES IN THE LAST WEEK ON RECORDED LINE BY ME OR MY SPOUSE WHO IS AUTHORIZED O SPEAK ON MY ACCOUNT, THE REPS NAMES WERE XXXX, XXXX AND XXXX.EVEN THOUGH XXXX XXXX ACKNWLEDGED THEY WOULD BE APPLYING PER BORROWER DIRECTIVE BAILEY STATED FOR THERE OWN INTERNAL RECORDS BORROWER WILL BE AND IS NOW PAID THRU ACCOUNT XX/XX/2020. NO WHERE WILL BORROWER HAVE PROOF OR ACCOUNT REFLECT DIRECTIVE ' THE WEBSITE INFORMATION WILL UPDATE MONTHLY TO NEXT DO DATE, BORROWER FEELS THIS IS WRONG AND SHOULD BE PROVIDED WRITTEN ASSURANCES AND ACCURATE ACCOUNT INFORMATION ONLINE. IN THE EVENT SOMETHING WERE TO HAPPEN TO BORROWER, TO THE ARBITRARY, LEGAL EYE, WHICH ALL THAT MATTERS, XXXX XXXX WANTS ME TO RELY ON THEIR ASSURANCES ACCOUNT IS PAID THRUXX/XX/2020 REGARDLESS OF WHAT THE STATEMENTS OR WEBSITE READS, UNDERSTANDABLY NOT COMFORTABLE WITH THAT FOR THE OVBVIOUS REASONS.
Consumer complaint received 2020-06-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc. (GA)

On XX/XX/XXXX, a negative debt collection was added to my credit report for {$39.00}. On further investigation, it was related to a cable modem I'd returned a year earlier when I moved from XXXX  to Georgia. XXXX XXXX XXXX XXXX had told me that I could return the modem at any XXXX  even when in XXXX. This turned out to be false. At the time their website was experiencing issues and no one over the phone would give me any information. My account is still mangled and I pull the wrong account number when I go to their website. To this day clicking on any options off the main screen yield an error ( multiple browsers, multiple computers, multiple networks ). I most likely wrote this number on the package. I returned the modem at my own expense. Note that they were charging me XXXX XXXXmo for a modem that was worth apparently {$39.00}. I used it for over 6 months. 

I DID have my mail from my old address forwarded by the post office. Spectrum made no attempt to contact me on my email which they had, mail or other means. After about a year, they decided to send me to collections. To this day it still says I owe {$0.00} on their website. When I called them they promised to " investigate '' but said they won't allow a bill dispute for a bill over 60 days.
Consumer complaint received 2022-07-11
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. (OH)

In accordance with the Fair Credit Reporting act ; 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 a account without my written instructions.
Consumer complaint received 2018-10-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (VA)

I paid my mortgage at Loancare with an early payoff on XX/XX/2018. I received a letter dated XX/XX/2018 acknowledging the payoff. After not receiving information from my courthouse about the satisfaction of the lien, I called Loancare on XX/XX/2018. I was told by the servicing agent that it had only been 103 days and then was put on hold then disconnected. I called my clerk of court in my county and they had not received the paperwork. I called Loancare back getting several different servicing agents, being put on hold and then being disconnected. I called again asking for a supervisor. I then learned that Loancare had mailed my release/information to the wrong courthouse with the wrong address in another county on the other side of the state thus putting my and my deceased husband 's information at risk for fraud or whatever. I asked the supervisor to send my information to my courthouse via XXXX, even giving him the correct XXXX physical mailing address and the XXXX XXXX XXXX. XXXX mailing address. I said to not send information via XXXX to the physical address as it would not get to them. I have been calling my courthouse and still they have not received the information. I called Loancare again on XX/XX/2018 and threaten to file a claim with this bureau. I was put in contact with upper management. I had to tell my story again for the umpteenth time. I was assured that everything would be taken care of right a way. I was sent a letter dated XX/XX/2018 via Loancare 's social support website stating that they mailed the information to the physical address but not saying what service that they used nor a tracking number. I have called my courthouse again today XX/XX/2018 and they have still not received any release documents. I have left a message with my contact from upper management requesting a tracking number for sending the documents. I have been more than patient. I am dealing with XXXX XXXX and the death of my husband from XXXX. I always paid my loan on time with an early payoff. Additionally, a few years ago Loancare neglected to pay my home insurance thus letting it lapse with no explanation. I had to pay it and take over my own escrow account for taxes and insurance.
Consumer complaint received 2022-07-11
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. (MI)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I am requesting XXXX XXXX XXXX place a freeze on the credit/information report. They are requesting I provide them with a copy of my social security card, drivers license and other personal information. I am the victim of identity theft, so I am not willing to provide anyone with any personal information. I have a personal and religious objecting to companies using numbers as a means of identifying me. Regretfully, I can not prevent XXXX XXXX XXXX collecting personal information and using my social security number or drivers licenses number to identify me. I can comply with my religious beliefs by not assisting nor supporting the use of a number as an identifier.
Consumer complaint received 2022-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Case XXXX XX/XX/XXXX, {$1500.00} was paid via electricians XXXX account to re-wire the electricity at my house. The deposit was {$1500.00} and he charged {$90.00} for tax. Five or so days later he didnt have the money in his account so I called Capital One and was told there was a hold on the payment and I asked for it to be released. By XX/XX/XXXX, the electrician still had not received the money so he asked me to cancel the payment and pay him a different way. So I paid him {$800.00} via a cashiers check on XX/XX/XXXX from my XXXX XXXX XXXX XXXX account and XX/XX/XXXX for XXXX with the Capital One card to satisfy the deposit for electrical services. 
A week or so later, XXXX XXXX said that he never received the {$700.00} payment because he had a closed bank account linked to his XXXX account and could not get that money. So I called Capital One again asking for an adjustment so I could pay him a different way. 
On XX/XX/XXXX, I submitted a XXXX payment for {$720.00} ( includes process fees ) so that he could get the {$700.00} from my credit union account. 
XXXX XXXX has been paid in full for his services. XX/XX/XXXX and XX/XX/XXXX, I paid him {$750.00} each time. The total cost for his services was {$3000.00} and he has been paid in full. 

However, Capital One claims the money was sent to XXXX XXXX for {$1500.00} and he maintains he never received it. I have been disputing the charges with Capital One, the Credit Bureaus, and tried to with my bank but nothing has happened. Now I owe {$3000.00} in collections.
Consumer complaint received 2018-10-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (KY)

ON XX/XX/2018 and XX/XX/2018, I sent letters to Ability Recovery Services to validate the debt that is reporting on my credit report. Both times, I did not receive any correspondences from them, but the debt still remains on my credit report.
Consumer complaint received 2018-10-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Recovery Systems (AL)

Please note that this is a statement that your claim is being disputed and validation is demanded. Midwest Recovery Systems has reported an account in collection to all three credit bureaus as of XX/XX/XXXX which has caused problems with my credit report when I haven't opened or taken out any new loans or accounts since XX/XX/XXXX because I am in the process of buying a home and all of a sudden this collection popped up on my report. I attempted to call and find out where this collection came from and asked if they could send me verification for the validation of this debt they claim I owe but I kept getting transferred to different people and was told they couldn't send anything out. I am requesting that I be provided with a validation of debt, when the debt first originated to verify that I do owe said debt and have any legal obligation to pay you. Please provide the following : Agreement with the creditor ( XXXX ) that authorizes you to collect on this alleged debt, the agreement bearing my signature stating that I have agreed to assume the debt, valid copies of the debt agreement stating the amount of the debt and interest charges, proof that the statute of limitations has not expired, complete payment history on this account along with an accounting of all additional charges being assessed. Also needed is proof that you are licensed to operate in the State of Alabama along with your business license number and Registered Agent number. If your office ( MIDWEST RECOVERY ) fail to reply to this debt validation within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on said debt must be ceased.
Consumer complaint received 2018-10-23
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: EQUIFAX, INC. (TX)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Equifax failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX
Consumer complaint received 2017-06-19
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. (TX)

I had a fraud alert placed on my credit file several times that indicates anyone who runs my credit needs to call me and that has not been done and this violates my rights as a consumer. I have reached out the each credit bureau : XXXX, TransUnion and XXXX multiple times to advise of my credit being pulled without my permission without any resolve. I have attempted to dispute the unauthorized inquires on multiple occasions by disputes online and via phone, to no resolve. On my XXXX, reports, the inquiries are showing to be reported as of XXXX/XXXX/2017 when they in fact have been up there longer than that.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-05-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

I need help with my Mortgage It was with XXXX XXXX   when I started this my Husband XXXX passed away and i wanted to have the payments put in my name we have lived here for 30 years and i have nowhere to go They ask me to send in Certificate of death and was told i could not make payments till it was fixed from there they ask me to send in a lot more paperwork over the next few months. 
They said we were all set and then the Loan went to SPS mortgage they said they knew nothing and i needed to start sending them a lot more paperwork also they had me go the County and get all the Deed paperwork and Letters of Authority so I did and sent them months went by of more paperwork sending and a few weeks ago they said now we cant help you because you gave up the home in the bankruptcy 10 years ago. I kept telling them we never did that we always Reaffirm the Mortgage and have been paying for the home we went back and forth for weeks on this they said they had paperwork to prove this and started to sell mt home Sale date XX/XX/2019 I called legal help line and told me to go downtown to the United States Bankruptcy Court and get a copy of the paperwork so again I took the day and spent the money to get this paperwork and sent it to them showing we did Reaffirm the home. 
Now they are looking into this and the Sale Date is still on my home Please Help Me.
Consumer complaint received 2018-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

References : XXXX XXXX XXXX After attempting to get this problem fixed Equifax illegally froze my account without my authorization ( ref above complaints ). 
They sent me an email the other day saying that they need more time. Today I got the most insulting email from them yet, as follows : ____________________ Dear XXXX XXXX, Please accept my formal apology for the delayed response to your concern and we appreciate the opportunity to address this matter on your behalf. 

Please attempt to access the website again, the issue may now be resolved. 

If you are still experiencing technical difficulties, please contact our Consumer Services Team at XXXX. You will be able to speak with one of our representatives, 7 days a week from 8 am till Midnight ( EST ). 


Thank you for contacting Equifax, XXXX I Equifax Customer Care Team ________________________________________________ This is outrageous. I want this fixed RIGHT NOW. The NERVE of this woman to tell me that it " may now be resolved '' but if it's not I should call back to where I started??? REALLY??? 
And guess what, it is STILL not working. 

NOW. This must be fixed NOW.
Consumer complaint received 2023-09-20
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. (AR)

I hope this letter finds you well. I am writing to express my deep frustration and disappointment regarding the repeated unsuccessful attempts to remove fraudulent items. This ongoing issue has caused me significant distress and financial hardship, and it is imperative that we address it promptly.

I want to emphasize that I have diligently followed all the prescribed procedures outlined by your company for reporting and removing fraudulent items. However, despite my repeated efforts, the issue remains unresolved, and the fraudulent items continue to impact my credit score.

The ongoing presence of these fraudulent items has not only caused me financial hardship but has also severely eroded my trust in Credit Bureaus. As a loyal customer, I expected a higher level of service and security, both of which have been lacking in this situation.

I kindly request that you take immediate, decisive action to investigate and rectify this matter. I expect a prompt response outlining the specific steps your company will take to address the issue, as well as a clear timeline for the resolution process. Additionally, I strongly urge you to review and enhance your security measures to prevent similar incidents from occurring in the future.

Failure to address my concerns satisfactorily and promptly may leave me with no choice but to escalate this matter further, including seeking legal remedies and notifying relevant authorities about the fraudulent activities associated. Please help me removed 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 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