davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

In the last 60 days I've been garnished by this XXXX XXXX of s total sum amount of $XXXX, every single month since I've had this loan they've been adding $XXXX every single month to the balance since the date of voluntary repossession of XXXX17. Now they are garnishing me again knowing I am a single mother also XXXX XXXX of XXXX XXXX children and I have left emails but the company manager is so unprofessional he just forwards my email rather than giving me an immediate response. I have had this same balance for three years and they are the most fraudulent sub prime lender out here. Ive paid over $XXXX XXXX  for a $XXXX   loan and why does my balance still reflect $XXXX? Where I started? XXXX XXXX are not following correct practices have never showed me no evidence of the repo sale nor a detailed billing of my entire account I requested since I first had this loan. They are a joke to consumers ripping off subprime consumers. I have other coworkers who are also with credit concepts who have showed me evidence of their wrongdoings and we are all going to take this to Attorney general.
Consumer complaint received 2018-10-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (WV)

A mortgage financial company is providing refinance funds to refinance my property at XXXX XXXX XXXX, XXXX, NY. Select Portfolio Servicing ( SPS ) has been offered a {$850000.00} short payoff amount. The principal owed is only {$680000.00}. The additional amount represents additional fees and interest. 

I, as well as my authorized representatives, have been negotiating with SPS. They are often put on hold by the SPS representative and nobody returns on the line an hour later. Two months later, I do not have a response from SPS. The last time I spoke with a representative on Tuesday, XX/XX/2018, she said that I did not include the date under my signature in a Hardship Letter that I had provided ( the letter was dated XX/XX/2018 ). Even though the top of the had the date, I printed out a copy and, included the current date under my name. The SPS representative said I would hear back in 24 to 48 hours. It has been a week now and I have not heard anything. 

SPS is putting me in a position that I may lose my property because the bankruptcy judge does not believe I am trying to resolve this issue with SPS. I will have to escalate this action to a legal one.
Consumer complaint received 2022-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

i have been writing all XXXX bureaus, about accts and inaccuracies, in my credit file. There is a account, XXXX XXXX XXXX # XXXX, they are reporting, XXXX different negative late payments, i have written them several times, and they still continue, to keep this in my reporting even though it is inaccurate reporting. They are supposed to be a independent agencies, why do they keep doing negative things to the consumer file. i am a single woman, trying to raise a child, the law is clear inaccurate or incomplete, listings have to be deleted, its costing me time and money to try and get something so simple, how do they have so much control over our lives. XXXX, TRANSUNION and XXXX all are still reporting such.
Consumer complaint received 2018-10-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I have five different accounts on my credit report saying that I owe them money for medical bills from XXXX  XXXX  hospital. For one I never went to XXXX XXXX hospital on or even around these dates and even if I did which I didnt I had XXXX which paid for every medical expense I had. I think someone must have gotten a hold of my information and use it. I have a bad credit score because of this and its not fair because this isnt even from me and its thousands of dollars. Please help me. This is affecting my life making it to where I cant even build my credit due to these fraudulent accounts. They are with XXXX XXXX XXXX and XXXX XXXX XXXX. And some of them are even recent and I have been to that hospital in at least five years or more. And I had XXXX from XXXX to XXXX. Please help me.
Consumer complaint received 2018-10-26
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: Onity Group Inc. (PA)

I contact Ocwen Mortgage in XX/XX/2018 because I was having some financial difficulty. They set me up on a repayment plan in which I have made all payments on time. Ocwen has been reporting me on all three credit agencies as 60 days late. Ocwen never disclosed that if I opted for the repayment plan I would be considered late and that would be report to the credit bureaus as late. I feel that was unfair and they did not provide informed consent. I contacted Ocwen several times to no avail
Consumer complaint received 2017-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (MI)

Dear Investigator Agent, I got a collection letter from a [ Credit Management , L.P. ] collection agency. Called them and they seemed to be very unprofessional bordering breaking the law with threats. This is in ( Dispute ) because I never had service through XXXX. When I called XXXX they stated there was n't a account with them under my name. Being this is { Fraud } and I 'm a victim of identity theft. The demand is they terminate this account and Stop collection activities immediately! They claim the debt is for {$310.00} cents. 
Respectfully yours, XXXX
Consumer complaint received 2018-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

I have written all three reporting agencies of the incorrect information on my credit report. I have received letters confirming the information is correct, and I supplied documentation that shows it is not correct. Letters were sent out on XX/XX/2018. Return letters were received XX/XX/XXXX and XXXX, 2018. The information of my bankruptcy is stated as confirmed with the United States Bankruptcy Court, I enclosed a letter from the Courts indicating that they do not report this information to credit agencies. As part of my privacy, I believe this information should be deleted from my credit report. I have attached documentation supporting my claim/dispute. Please follow up on this and have the incorrect information removed.
Consumer complaint received 2018-10-26
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NM)

Mr. Cooper sold my mortgage ... AGAIN ... 

XXXX XXXX was original ... all have been terrible ... re sales I would like to know what law permits it ... and who the author of it was ... so I can bark them out ... 

Thanks ...
Consumer complaint received 2022-03-12
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: Credit Management Control, Inc. (GA)

Credit Management Control Inc has placed a collection account on my credit report via XXXX in XXXX of 2022. 
Upon learning about this collection account via XXXX XXXX ( based on alerts I subscribe to ) I contacted Credit Management Control Inc. to request validation of the alleged debt, which does not belong to me. I also disputed this company 's collection account with XXXX on XX/XX/ 2022 ( XXXX confirmation # XXXX and on XX/XX/ 2022, XXXX responded to say " this account has been verified and will remain on my credit report. '' I provided a copy of a recent Identity Theft police report filed by me, as there were multiple accounts listed on all three credit bureaus which did not belong to me.

I have mailed to Credit Management Control Inc a written request for the validation of this alleged debt the company is saying belongs to me. I have been unsuccessful receiving a response. I mailed the request on XX/XX/2022. To date, no response has been received from Credit Management Control Inc to validate the debt. Additionally, I never, ever received an notice of this debt from Credit Management Control Inc prior to the company submitting the alleged collection to my credit report.
Consumer complaint received 2018-10-26
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. (OH)

Sent letter to XXXX, Equifax, and XXXX requesting, validation of XXXX Bank account showing past due days. Asked for contractual obligation, bearing my signature, how they came up with the past due days. I have yet to receive anything regarding verification, yet I keep getting the same responses that the account is verified. I received a letter from XXXX on yesterday XX/XX/18 from XXXX stating that they can not find my account with the information I sent them which is the account number listed on my credit report, if this is the case how is the credit bureaus verifying this account if the account holder cant locate the account? Seems like the credit bureaus are not doing what they are supposed to do and this is a violation.
Consumer complaint received 2024-03-05
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc. (NY)

this loan was opened XX/XX/year> and was closed XX/XX/XXXX, XXXX im pretty sure that they fixed the car up and sold it to a new owner. im trying to get a loan from my credit union but they wont approve me because of this repo on my history.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

There is an incorrect banking account reporting on my consumer report. Bright star is reporting a {$480.00} balance monthly on a closed account. I have disputed this inaccurate information three times with no response or validation. The debit was closed out in XXXX. I have submitted a XXXX form to get proof XXXX charged this debt off and received a write off for it. Yet they are still negatively reporting monthly on my behalf.
Consumer complaint received 2022-02-17
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. (CA)

Upon reviewing my recent credit report I found several inquiries in which I never authorized and request the prompt deletion of them. I am listing those inquiries below for your convenience. 
XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX TRANSUNION - XXXXXXXX XXXX on XX/XX/XXXX TRANSUNION - XXXX on XX/XX/XXXX TRANSUNION - XXXX on XX/XX/XXXX TRANSUNION - XXXX on XX/XX/XXXX TRANSUNION - XXXX on XX/XX/XXXX TRANSUNION - XXXX XXXX on XX/XX/XXXX TRANSUNION XXXX XXXX XXXX on XX/XX/XXXX TRANSUNION - XXXX on XX/XX/XXXX EXPERIAN - XXXX  XXXX on XX/XX/XXXX
Consumer complaint received 2022-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Paid account XXXX XXXX XXXX in XX/XX/XXXX. The credit company did report the amount owed as {$0.00} in XX/XX/XXXX, but it is still listed as a collection on TransUnion now in XXXX.
Consumer complaint received 2018-05-10
Product: Debt collection — Other debt
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: Resurgent Capital Services L.P. (MI)

This debt appeared on my credit report without my knowledge of the debt existing. I do not owe this. I then received threatening phone calls that I was going to jail. Tried to have it removed from my credit report but apparently they have false documentation
Consumer complaint received 2017-06-24
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: Experian Information Solutions Inc. (SC)

I have 4 loans to the Departmrnt if Edication that are still showing on my credit reports and should be removed bc they have been paid in full via collection of debts from my federal tax returns. All 4 show closed with a {$0.00} balance.
Consumer complaint received 2017-06-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (CA)

XX/XX/XXXX Called XXXX to request cosign verification, but they told me the account had been transferred to a new company. I called that company, and they told me the account had been transferred to a company called Cavalry Portfolio Services XX/XX/XXXX ( XXXX ) XXXX ext. XXXX ( Customer Relations ) Per phone call with Cavalry on XX/XX/XXXX, they placed order for Credit Application. They will send me the application as soon as they have it Cavalry provided me with the following info regarding the line of credit : o Credit Card Account for XXXX XXXX with XXXX XXXX Opened on XX/XX/XXXX Sold to Calvary on XX/XX/XXXX Balance as of XX/XX/XXXX : {$4300.00} XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XX/XX/XXXX Received letter with detailed account history as verification that the balance is correct, but this is not what I requested XX/XX/XXXX Sent letter to Cavalry requesting original agreement/credit application/any documentation proving I actually cosigned for this credit card XX/XX/XXXX Received second letter with detailed account history as verification that the balance is correct, but again, this is not what I requested XX/XX/XXXX Called Cavalry to request proof of cosign again, but they informed me they transferred the debt and all accompanying info to new firm called XXXX XXXX XXXX XXXX XXXX XXXX XXXX to request verification of cosign, but they said they do not have that information. All they have is proof of debt. I asked if they can tell me where the original agreement was started and signed ( store location ), but they said they dont have that information either. I told them Id like them to remove my name from the loan since no one can provide proof that I cosigned for it, and they replied saying they, Could make payment arrangements. I told them I wont make payment arrangements for a debt that is not mine. <P/>Todays Date : XX/XX/XXXX Letter Received : XX/XX/XXXX To Whom it May Concern, It is alleged that I cosigned for a credit card account for an individual named XXXX XXXX. I have not spoken to XXXX in years, and when I recently started receiving calls from debt collectors, I attempted to contact him. I have tried to call him, text him, email him, and even contact his mother in order to obtain accurate contact information. However, I have not been able to contact him, so I am hoping you are able to help me. I do not recall cosigning this credit line for him, so I am requesting a copy of the original agreement/contract/etc. with my signature as evidence that I signed. If you are unable to obtain a copy of an agreement with my signature, I am requesting to be removed from this credit line. Please send all mail to the following address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX You are also welcome to call me with any questions : ( XXXX ) XXXX Respectfully, XXXX XXXX
Consumer complaint received 2018-10-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (WV)

I first received a collection letter in XX/XX/XXXX in the amount of {$2600.00} from Resurgent Capital Services. Origination date with original creditor was XX/XX/XXXX, and the charge-off date was XX/XX/XXXX. I responded to this notice on XX/XX/XXXX, explaining that I as XXXX with the West Virginia XXXX XXXX XXXXXXXX from XX/XX/XXXX - XX/XX/XXXX, and, therefore, disputed the validity of the debt as I could not have incurred it. I requested that the company immediately cease and desist all contact and communication with me. In late XXXX of this year, I again received a second collection notice from the same company for the same creditor, same time frame in the same amount. I sent out a second cease and desist letter dated XX/XX/XXXX, again disputing the validity of the debt due to my XXXX. On XX/XX/XXXX, I received a third collection notice from this company ; same creditor, same time frame, same amount.
Consumer complaint received 2018-10-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PRIMARY RESIDENTIAL MORTGAGE (TX)

I became 2months behind on my mortgage with Primary Residential Mortgage and informed their rep ( XXXX XXXX ) that I was having money/employment issues while looking for new employment. I then asked if I could make a partial payment towards the balance and I was told to make the complete 2months payment, include the late fee or return their Hardship Application. I returned their Hardship Application and was told that it was incomplete. I spoke with XXXX again regarding my incomplete Hardship Application and informed him that I did not have the additional documents that he was requesting but I wanted to make a partial payment in an attempt to get caught up on my mortgage. He then told me again to send the additional documents or my partial payment would be rejected. I then asked to speak with a Manager as I felt that XXXX was not attempting to assist me. He then immediately told me that no one was available ( Without checking ). I then asked to be transferred to his Manager 's voicemail and I left a message for XXXX XXXX ( Yes, they have the same last name ). After two business days passed I did not receive a return call from XXXX so I called, spoke with her and was told that she didn't return my call because she thought the situation was resolved ( How, I have no idea ). I explained to her my situation and she informed me that what XXXX had said was their policy. I let her know that I wanted to save my home, that XXXX wasn't assisting and she urged me to return their Hardship Application. I informed her that I had, it was incomplete and I was then told their was nothing that could be done. I even spoke to a different rep and asked for my loan to be transferred to a different rep and was refused. I am now borrowing money and scraping together what I have in order to stop my home from going into Foreclosure. I have never been offered any alternate payment plan or solution other than return the Hardship Application ( Which I provided Bank Statements and Info, XXXX, IRS Tax Transcripts and an Explanation Letter but was told it's incomplete ). I now do not feel that I am being assisted or protected as a borrower but that the Lender may actually be attempting to foreclose on my home because of the equity that it has gained. Please help.
Consumer complaint received 2023-03-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that are present on my credit report. I have reviewed my report and have identified a number of items that are either inaccurate or unauthorized. I request that these items be removed from my report as soon as possible. 

The first issue is regarding an inquiry made by XXXX XXXX XXXX on XX/XX/XXXX. I have no recollection of authorizing this credit pull, and I demand that it be removed from my report. 

Similarly, I also dispute the inquiries made by XXXX XXXX XXXX XXXX, XXXX, XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX, as well as the inquiries made by XXXX and XXXX on XX/XX/XXXX. I have no recollection of authorizing any of these credit pulls, and I demand that they be removed from my report. 

Additionally, I dispute the inquiries made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, as well as the inquiry made by XXXX  on XX/XX/XXXX. I have no recollection of authorizing these credit pulls and demand that they be removed from my report. 

I also dispute the inquiry made by XXXX XXXX on an account number XXXX. I request that you verify the payment status, balance, comments, payment history, and account number, as they might be incorrect. Furthermore, I demand that this account be either fixed or deleted from my report completely. 

I also dispute the inquiries made by XXXX and XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as well as the inquiries made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no recollection of authorizing any of these credit pulls, and I demand that they be removed from my report. 

Moreover, I dispute the accounts associated with the following account numbers : XXXX and XXXX. I have never had any business relationship with these companies, and hence, there is no way that these accounts belong to me. I request that you delete these unknown accounts from my credit report right away. 

Lastly, I dispute the following personal information present in my report, which is incorrect : Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX. Please remove these errors from my credit report as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-03-12
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: EQUIFAX, INC. (LA)

1 ) XXXX and XXXX REFUSE to remove an account that was as a result of the Equifax breach, while Equifax removed the fraudulent account, despite me having a police report and complaints filed with the FTC and FBI. 
2 ) XXXX has my account listed with past due amounts, delinquencies, accounts not paid on time. I have 100 % EXCELLENT PAYMENT HISTORY. 
3 ) all three reporting agencies have credit inquiries on my report that were NOT authorized! REMOVE THEM NOW