davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-03
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. (GA)

On XXXX/XXXX/2020 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-06
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. (VA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2018-11-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

After receiving a permanent modification in XX/XX/2018. XXXX XXXX XXXX was overcharging the escrow amount causing the monthly payment to be incorrect by approximately {$400.00} over per month. We bought this immediately to XXXX attention but to no avail of them correcting the monthly balance due. After continuing to report this error to XXXX, We had our Servicing of our mortgage switched from XXXX XXXX XXXX XXXX to Specialized Loan Servicing. A company that deserves it thousands of 1 star reviews. While they amazingly have the correct monthly amount due, which is {$2800.00} compared to XXXX {$3200.00} we then had an XXXX XXXX statement with a HIGHER amount due then the next month XXXX SLS statement. When we ask SLS how is XXXX XXXX statement HIGHER than the SLS XXXX statement, we were told by SLS they are not responsible for previous servicer mistakes and then they harassed us and mentally abused us, stating they will just foreclose on us if we don't pay the full amount, no matter they have incorrect statement balances, post dated late fees charges when they were not servicer and now this XX/XX/2018 just charged us {$750.00} in forced placed home insurance when we had home insurance coverage sent in as proof by XXXX 3 days later. We have offered numerous easy solutions but they just threaten foreclosure. This debt collecting organization needs to be closed immediately and what they are doing to us is criminal, in our opinion and they need to answer for their actions and verbal harassment. We hope CFPB looks into this serious matter, contacts XXXX XXXX and let them know what both servicer XXXX and SLS have done and can make them straighten up immediately and no longer financially harm our family with XXXX young boys caught in their shell game.
Consumer complaint received 2021-12-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (FL)

The XXXX XXXX XXXX telephone company has a subsidiary that offers television service called XXXX. They allege that I opened an account with them between XXXX and XX/XX/2020. They sent a report of a debt of {$1000.00} dollars to the 3 credit bureaus that affected my credit history in a negative way. On XX/XX/2020, I contacted the XXXX XXXX XXXX XXXX company to clarify the situation and let them open a fraudulent account in my name. They sent me an email. where they requested sentitive information that I did not want to provide me in which address the service was provided. Im a XXXX XXXX ( XXXX XXXX XXXX  ), and I drive all over United States. The address I use to receive my correspondence is my brother 's address. Most of the time I live in my truck.
Consumer complaint received 2021-12-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FC HoldCo LLC (MI)

Firstly, I am writing this complaint on my own behalf. There is no 3rd party involved. I am a victim of identity theft. XXXX XXXX  XXXX XXXX is attempting to collect a debt on behalf of FLAGSHIP CREDIT ACCEPT. Both of these companies are reporting the same alleged debt on my credit report in violation of my consumer rights. I have asked for validation of debt from both companies. Only XXXX XXXX  XXXX XXXX responded. They sent me signed contracts and other information. The person on the driver 's license that initiated the credit is not me. I have sent multiple letters with the police report describing the robbery I was involved in where my wallet was stolen which contained my social security card, driver 's license, along with other sensitive personal information. I have also sent them a copy of my current driver 's license multiple times in dispute of this alleged debt. This one debt is still being reported to my credit report multiple times. It has been very damaging to my reputation and my ability to secure credit. Also this alleged debt is over 7 years old and shouldn't even be reporting to my credit report.
Consumer complaint received 2018-04-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Integrated Recovery Services (WI)

This company calls me repeatedly but won't send me any hard proof of loan that they say I took out with them. I don't recall this loan. I think they have my information because I applied for one a long time ago. 

They call me weekly with this message : Good morning my name is XXXX calling on behalf of Integrated Services XXXX XXXX. I'm calling to speak with you concerning docket # XXXX. It's imperative that I speak with either your or your attorney immediately regarding this matter at XXXX x XXXX. 

Last call was placed on XX/XX/2018 at XXXX XXXX XXXX. They have called my husband as well leaving message that they are a lawyer and trying to contact me. They also call my work phone.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My appellation is XXXX XXXX. I am making this complaint of my own accord, there is no third party involved. I do not consent to e-oscar verification. Capital One has violated 15 usc 1681s-2 as well as 15 usc 1692g by failing to validate the alleged debt they are falsely reporting to credit reporting agencies for more than 90 days. I am a natural person, consumer and of sound mind to know and act in good faith. I authorize Capital One to remove this inaccuracy.
Consumer complaint received 2018-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/XXXX I pulled my credit report for my self and my wife and noticed that incorrect information was being reported for the month of XX/XX/XXXX and no information was being reported for the month of XXXX. I faxed over a request to have this information investigated and was contacted by a XXXX in the customer care and recovery group. Who advised me that he would be handling the problem and had opened a ticket # XXXX. On XX/XX/XXXX I reached out to XXXX XXXX to get a status on the incorrect information being report on my report and my wife 's report. I also advised him that this inaccurate information being reported is impacting our family. I explained to him that I had pulled all three of our reports and the XXXX information was reporting incorrect and XXXX was reporting no information at all. I emailed him a copy of the report for him to pass on to the department that was conducting the investigation. On XX/XX/XXXX. I contacted my XXXX and spoke with him. I was advised that his team had finished the investigation and they had determined that they are reporting the correct information to all three reporting agency. I explained him that I was looking at my most current report live and the information had not changed. I asked what method was used to validate and verify the information with all three agency. I was advised that they did not contact the credit reporting or send a refresh/update they just used an internal process. They just looked at a screen internal and verified that I what they had in there system was correct. I asked to be speak with a supervisor and or manager and was told that it was not necessary. I was finally transferred to a XXXX XXXX XXXX in the customer care recovery group who told me that it's not XXXX XXXX 's responsibility to ensure accurete information is being reported to the credit report agency and that he was closing the ticket and did not care that I would filing a complaint with the CFPB and my local State Attorney Generals office. I asked to please speak with his direct manager to try and resolve this problem before I moved forward with my actions and I was told that he " did not care '' and " I am denying you from speaking to my direct report, I don't see the need '' I have customer since XXXX and I have never been spoken in such a unprofessional manner by these two individuals.
Consumer complaint received 2021-12-06
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. (WA)

For months I have been trying to have an account that I did not recognize and therefore was fraudulent from my consumer credit report. The account being referenced is from XXXX XXXX XXXX. I have disputed this account with the credit reporting agency several times, asking them to not just verify but validate that this account belongs to me. Each time I either received no response at all, for our received a very geneXXXX XXXX XXXX XXXX sentence response, which I can only assume is in auto response form letter that does not provide the information I requested in regards to how the account was validated. Specifically, what method was used, what phone number/address was used, who was spoken to, and what documentation was provided to them that allow them to reach this conclusion. Which is also required by law to ensure that they conduct a reasonable investigation, and not just be able to say whatever they want, but have to actually prove it. 

I have also reached out to the creditor that was listed on this account. Both by phone, and certified mail. By phone the individuals I spoke to informed me that they do not have any account by my name or by the listed account number on their records. So I sent letters via certified mail to the addresses listed for the creditors on my consumer credit report on Those letters were received on And as of this time I have not received a response from them. Which puts them out of the 30 days they are allowed by law to respond which makes the nail noncompliant which means this account must now be removed immediately. 

Here is a list of all the letters I have sent regarding this matter along with the dates they were sent, the dates they were received, and the response. 

Dispute sent to Experian XX/XX/2021, received XX/XX/2021. Response : XXXX ( Not XXXX ). 
Dispute sent to Experian XX/XX/2021, received XX/XX/2021. Response : XXXX ( Not XXXX ). 
Request for VALIDATION/INFORMATION OF DEBT sent to XXXX XXXX XXXX XX/XX/2021 XXXX received XX/XX/2021. NO RESPONSE. 
Request for VALIDATION/INFORMATION OF DEBT sent to XXXX XXXX XXXX XX/XX/2021 XXXX received XX/XX/2021. NO RESPONSE. 

You will find all of the letters mentioned above as well as an ftc report and XXXX data breach claim attached to this complaint. 

Thank you, XXXX XXXX
Consumer complaint received 2019-08-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

Rushmore Loan Servicing appears to be RED LINING for the XXXX XXXX, Florida and XXXX area. We believe that the servicer has a high very percentage denying loan modifications for the XXXX part of XXXX Florida and should be investigated by the Florida Financial Regulator as well as other agencies. The company ( Rushmore ) will always find an excuse to deny ANY LOAN MODIFICATION for the XXXX part of XXXX, Florida. We have come across other homeowners in the same situation where Rushmore have denied the loan modification. 

In this particular case Rushmore have denied the loan modification request claiming that a complete loan modification package was not received within the Florida guidelines, which is 7 days prior to the schedule sale date. The company have denied the request in bad faith. The denial letter is dated XX/XX/2019, we spoke to a Rushmore representative on the same day and he stated that we had until Saturday to submit the rest of the additional documents needed. The initial application was submitted on XX/XX/2019, and the servicer called very next day to request additional document which were furnished on XX/XX/2019. See attached herein. Per Treasury guidelines a servicer must provide a letter to the homeowner requesting additional document and allowing 30 days for the homeowner to comply. This is not what transpired, instead a representative called the next day after receiving our request and giving just three days to comply on which we did and it was denied anyways. Servicer could not be more hypocritical for lack of better words. This company has engaged in Floridas deceptive business practices and should be investigated by the Florida Attorney General. 

The Consumer Financial Protection Bureau should notice that on the same day the letter is dated, the servicer spoke to us and requested additional documents giving until Saturday to provide on which we did. See attached proof herein. The servicer is acting bad faith. 

All loss mitigation process or protocol are subject to the Treasury guidelines. The Servicer is correct in that a loss mitigation package must be sent within the seven day before a  schedule sale date, see MHA Handbook 3.3. However, our property has a sale date of XX/XX/2019, and if you can count days we are beyond the seven day mark therefore within the guidelines to be considered for a loan modification review.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

This company has yet to remove these charge offs on my consumer report. My account contains a finance charge, which is the sum of all charges, therefore it paid in full upon the acceptance of my credit card ( social security card ). Under my opened credit plan this account was paid in full and can not contain late payments. This has caused me great distress and I feel I am being taken advantage of and this company has deceived me.
Consumer complaint received 2021-02-03
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: DISCOVER BANK (TX)

For almost 4 years I have been complaining regarding a stolen discover card, theft, identity theft, impersonation, and fraudulent payments that allowed the credit limit to be exceeded. I have been denied information that would have proven the fraud such as payment methods used by the thieves and phone conversations. Yesterday I received the attached response from Consumer Financial Protection Bureau stating the account was going to be finally re-investigated and may take up to 90 more days. ( 0 more days is more than 4 years after the fact. I request a speedy investigation by Discover, XXXX XXXX XXXX. Per the FCRA, the validity, completeness and accurateness should have been accomplished long ago.
Consumer complaint received 2021-12-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Phoenix Recovery Group (FL)

The property owner, XXXX XXXX XXXX refused to renew my yearly lease agreement claiming inconsistencies in my payments. My family and I have lived in XXXX XXXX  XXXX since XXXX signing yearly lease agreements every year. 

The property owner notified me in XX/XX/XXXX that they will not extend my lease for the next year XXXX, the lease will become a month-to-month agreement as stipulated. However, the property owner refused to collect my payment for XX/XX/XXXX. 

I made multiple attempts to reach an agreement to extend my lease and also to make the payments which included all sorts of fees imposed by the property owner which can include legal fees, late fees, reassessment fees, etc. Unfortunately, every single attempt was rejected by the property owner. 

The landlord then presented its eviction request for {$1200.00}, the amount due for XX/XX/XXXX which I was always willing to pay in the first place. 

During XX/XX/XXXX nobody was able to find a new house, nor move out nor into a new place due to the Recently imposed Covid-19 lockdown which included an eviction ban. During that time the landlord requested assistance aid for the period where the lockdown was imposed. 

We moved out of the unit during that time, however, the landlords attorneys continue trying to collect the same period from us as well even though they already collected the Covid Assistance Aid. 

The account is currently in 'Collection ' for {$9000.00} reflected in my credit report negatively which has impaired my chances to lease a new place. My rental options are extremely limited due to the current market that continues to increase aggressively every month. Since then, my family and I have been living in an extended stay hotel paying an average of $ 175.00/night.
Consumer complaint received 2018-10-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MA)

After sending certified letters on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX to XXXX XXXX they both were signed for by XXXX XXXX. Asking them for Validation not verification of the collection account they had on all three credit reports they have ignored my request for validation and provide any viable evidence or any biding contract with them or signature show as proof to validate this negative account after 31 day i check my credit report and they are reporting false and inaccurate information violating Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection not show dispute Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period and sending letter after letter threatening to take legal action and calling and calling many times a day now they are suing me. 


XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ma XXXX
Consumer complaint received 2021-12-06
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Recovery Services, Inc. (FL)

Repeated phone calls after being asked multiple times to stop. 

Date. Time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-03
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. (MS)

XXXX XXXX ( credit card services ), reporting my account to Experian Credit Bureau as delinquent on XX/XX/2021, when it has " Never '' been delinquent. Also, it is reporting wrong amount owed, thus my credit score went down 7 points because of the inaccurate information reported. The amount in question is {$1100.00}
Consumer complaint received 2019-08-27
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. (ID)

Experian and XXXX are reporting incorrectly collections on the following : XXXX XXXX XXXX/XXXX XXXX XXXX, Account number XXXX, Amount Due : {$4900.00} XXXX XXXX XXXX Account number XXXX, Amount Due : {$1100.00} XXXX XXXX XXXX/XXXX XXXX XXXX, Account number XXXX, Amount Due : {$720.00} XXXX XXXX XXXX, Account number XXXX, Amount Due : {$330.00} ( Please see pages 3, 4, and 5 of the attached credit report. ) I have also attached a copy of the NOTICE OF DEBT from XXXX XXXX dated XX/XX/2019. This bill is not only incorrect, it was sent to a family Members address, but has my name listed. This is a complete violation of HIPPA. In addition, this attempt to collect these debts are completely bogus. I have now, and have had in the past, medical insurance coverage. There was never a gap in my insurance. This is clearly a billing issue and is not my fault that the medical facilities never billed correctly. I did not incur these outstanding balances, nor do I owe these outstanding balances. This incorrect reporting of collections is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove these items however, I have not been successful.