davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-29
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)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2017-05-22
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: Skopos Financial, LLC (SC)

This company has been notified on several occasions in regards to credit report removal ; however, it 's been removed from  XXXX  but still reporting as an closed account on  XXXX , and still opened on  XXXX  and also on  XXXX . This company has violated several FDCPA laws and regulations that 's the reason it 's been disputed and had to be removed from my credit, but it 's still effecting my score and putting a strain on my life. I need this completely updated and removed from my credit ASAP! Otherwise I have no other choice than to pursue further whic h may re sult in a lawsuit.
Consumer complaint received 2017-09-26
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: DISCOVER BANK (VA)

I purchased a pair of shoes and the wrong pair of shoes showed up. I tried to return to the seller ( XXXX ), but the return email address would only throw me into an endless loop of email example I send back a response and get over 30 replies back within 10 minutes from some robotic system. 

I then tried to use XXXX dispute and it would not answer the call, so I called discover card who actually funded XXXX account. The rep could n't get them to answer as well. So they agreed to talk to a manage read get back with me. They never do. I went through this process with them 3 times. NO one has ever contacted me back.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

XXXX, XXXX, and Equifax are currently reporting negative information as a violation to federal laws. The U.S. Bankruptcy Court for the Northern District of Georgia stated that they did not provide information to XXXX or Equifax and neither did I XXXX XXXX provide information or give them permission to report information. I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract. Until such time as you provide verification of the debt, I am exercising my right to cease and desist all reporting activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all reporting activities on this debt. Failure to comply with this request will result in further legal action.
Consumer complaint received 2024-03-03
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Recovery Services, LLC (MN)

Absolute Recovery SE is trying to collect a debt that I do not owe. They stated the original creditor is from XXXX XXXX XXXX. I do not owe the original creditor. I have been disputing the charge of XXXX dollars that is claimed by Absolute Recovery SE and its still continued to be reported.
Consumer complaint received 2021-11-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ZWICKER & ASSOCIATES (MA)

Zwicker & Associates mailed me a Judgement For Plaintiff notice on behalf of XXXX credit card. Zwicker & Associates claims I was served a summons on XX/XX/21. I was never served a summons. Total amount payable to plaintiff is XXXX, XXXX, according to this default judgement. I was never notified of a court date. Zwicker & Associates claims the complaint was filed on XX/XX/21, and a copy of the complaint and summons were served to me, XXXX XXXX, on XX/XX/21 " as appears from the officer 's return. '' I was never served.
Consumer complaint received 2016-01-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (TX)

I am a navient student loan customer and currently the online access portal denies me access to my student loans. I am not late and everything is current and there is no co-signor on the loan. I called on XXXX/XXXX/XXXX and spoke with their customer service to inquire about the difficulty in obtaining access to my account to process a payment. The customer service Supervisor mentioned that I could not access my account information online due to a litigation matter regarding a cease and desist letter that I submitted in XXXX. I had asked them why now do I have been denied access since the years XXXX I had successfully processed my payments online. After an hour of trying to resolve this matter, I was left with the customer supervisor by the name of XXXX, that they would process a payment over the phone without incurring a fee. I went ahead and accomplished my payment through their customer service. My confirmation number is XXXX in the amount of {$270.00}. Further escalation led me to speak with another employee and she had mentioned that they were upgrading their website and that I should check back within the month to see if I am able to process and access my student loan information online. I would like to inform the CFPB as I am not sure how this issue will be resolved. In order to hedge against further demise of this issue, i am documenting and reporting this complaint now in the hopes that Navient may provide me a solution that either addresses the cease and desist or the upgrade to their website. I am not sure which problem is causing this issue. This is the first time that I had to deal with this situation. 

We 're sorry. Because of your current account status, we 're unable to process your request online. Please call us so we can assist you.
Consumer complaint received 2016-12-03
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: KEYCORP (CO)

Key Bank keeps putting fraud holds on my account ... and XXXX has to call Key Bank to get them removed, but XXXX also has to wait XXXX40 minutes to speak with someone. Key keeps telling me this is for my protection, which is not true since I understand I am limited to {$50.00}.
Consumer complaint received 2022-08-08
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: WAKEFIELD & ASSOCIATES, INC. (AZ)

I was XXXX  from XXXX. 
XXXX, XXXX and Wakefield & Associates have unpaid Medical charges on my credit report during that time. 
I have sent them my XXXX  records ( and other documents ) confirming my XXXX  dates. 
They have done nothing to correct the situation.
Consumer complaint received 2016-10-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: FIDELITY CAPITAL HOLDINGS, INC (GA)

On or about XX/XX/2016 I contacted the XXXX CRA requesting verifiable information of several negative events that are being reported on my credit file with this organization. The CRA never addressed my concerns in the letter and I would like these items deleted from my file immediately. The CRA are violating my rights pursuant to " 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. '' Please see attached correspondence from XX/XX/2016.
Consumer complaint received 2017-09-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Alabama Housing Finance Authority (NC)

My mortgage company, XXXX XXXX, Has not provided a mortgage statement since they assumed control of my mortgage in XXXX, 2017. I have called numerous times over the course of the last month and a half to get the issue resolved. I originally elected to receive the statement electronically through their website. Upon attempting to resolve the issue of my statements not receiving any statements, I inquired about receiving them through the mail. I was told they would be sending them. I however, have not received anything. 

Another issue I have is they have the entire history reported, but only one payment recorded to my credit. I have made every payment on time.
Consumer complaint received 2016-09-10
Product: Credit card — 
Issue: Billing disputes — 
Company: Synovus Bank (MA)

This company closed my account in XXXX 2015. They refunded me my entire security deposit and a statement with a XXXX balance was included as it should have been. 2 months later I get a statement from this company with a {$110.00} balance. I wrote and complained and was never given a reply. They have since sold the account to XXXX XXXX collection company. If your trying to rebuild your credit I 'd pass on this company as they have poor customer service and seem to be in some type of cooperation with XXXX XXXX for profit
Consumer complaint received 2017-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (DC)

On  XXXX   XXXX  I received a debt collection for a debt I do n't not owe for  XXXX  from  Southwest Credit. I called Sourhwest an d spoke to representative stating I do not owe this debt this account was removed from my credit in  XXXX  and added back on without my knowledge. I disputed this debt with  XXXX  and included receipt from  XXXX  for cable equipment that was given back to them and was picked up by a  XXXX  Technician on  XXXX . The representative told me to fax the receipt to them which I did and this debt is still showing on my credit as an open account. No one has contacted me in response to my fax on  XXXX   XXXX   XXXX .
Consumer complaint received 2023-07-06
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: EQUIFAX, INC. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$11000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$170.00} ; XXXX XXXX XXXX Balance : {$18000.00} ; XXXX.
Consumer complaint received 2016-12-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (GA)

The debt is not mine and I would like it to be removed. It is impacting my life in a negative way. The name on the account is not my name and it is spelled incorrectly.
Consumer complaint received 2017-03-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Starting in XX/XX/2013, someone used my name and my address to create checks, and a fraudulent checking account. I filed a complaint with the FTC ( ref. XXXX ) and a police report ( RN. XXXX ). I recently found these checks on my credit report which does not belong to me.
Consumer complaint received 2015-04-02
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (MD)

Santander came today to Reposes my XXXX after months of trying to renegotiate my 37 % predatory loan now they want to Reposes my XXXX i need help so i want the XXXX banks mortgage relief center and his team of law firms to audit the car loan and see if it hassecuritized in XXXX of those Asset backed securities
Consumer complaint received 2021-01-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Account Name : Capital One Bank USA Account Name : XXXX XXXX XXXX. 
Account Name : XXXX/XXXX All of these accounts are tracked to XXXX geogria and I reside in Ohio this is inaccurate information.
Consumer complaint received 2020-06-01
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. (NJ)

Experian is a company that ruins people credit intentionally. I had several complaints about the reporting for 4 lates on my credit by XXXX XXXX. XXXX XXXX  agreed to update to current and never late I enclosed the letter to prove it. Please update my report. Im stuck now especially I was sick with XXXX XXXXXXXX I have proof. I NEVER WAS LATE
Consumer complaint received 2017-01-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2015-11-25
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (MA)

Hello, I had a loan with RoadLoans in XX/XX/XXXX, repoed in XX/XX/XXXX. RoadLoans was bought by Santander in XX/XX/XXXX. I filed bankruptcy XXXX discharged in XX/XX/XXXX. Case # XXXX. RoadLoans and Santander is part of my filing. 

RoadLoans and Santander take turns appearing in my credit reports as late payments. I have called them. I sent a certified letter telling them to stop and comply with a federal order. 

I am applying for a FHA ( possible USDA ) loan. I have to write a letter explaining my late payments with my student loan and bankruptcy. Apparently RoadLoans/Santander appeared again on my credit report as unpaid. 

I am asking for assistance in this matter. 

Respectfully Yours, XXXX XXXX
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received an updated consumer report from your agency and these accounts were verified. Im writing to request a detailed description outlining how the investigation process is conducted by your agency for the accounts listed below. 

Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681i ( 7 ) Method of Verification Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumers dispute. 

XXXX Provide a description of the investigation procedure used to verify this account. If you cant provide a description, delete this account immediately. 

XXXX XXXX Provide a description of the investigation procedure used to verify this account. If you cant provide a description, delete this account immediately. 

XXXX Provide a description of the investigation procedure used to verify this account. If you cant provide a description, delete this account immediately.
Consumer complaint received 2021-11-04
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. (NY)

1. XXXX is fraudulently reporting inaccurate information and duplicating exact accounts numbers and reporting that accounts are pass due when they are paid and current. Accounts : XXXX XXXX XXXX not late or missed payment this account is paid in full and closed. This XXXX XXXXXXXX XXXX is listed multiple times. XXXX XXXX same account listed multiple times.XXXX XXXX XXXX account listed multiple times. This is a revolving weekly account its never late. XXXX XXXX XXXX XXXX so closed and paid in full. Why is it listed as a missed payment and late. XXXX  XXXX account is open and never late. 
2. XXXX is reporting using old accounts and reporting them as new. This is an on going problem and its discriminatory as iam a person of XXXX and these practices XXXX is unfair and hinders my opportunity for financial help because the accounts are not being updated and old accounts are recycled for the credit bureaus and credit services to keep billing and getting paid meanwhile my credit profile is not going in a positive direction because XXXX is not updating accurately. Iam making an honest attempt through cfbs to help correct this problem as I will have no other record but to seek legal action if XXXX does not correct this matter in 30 days.
Consumer complaint received 2022-02-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I sent Experian a letter of dispute. Experian opened and closed the dispute for XXXX XXXX XXXX  within 48 hours of receiving my letter with no change to reporting. The status date on the account still shows XX/XX/2021. I suspected there was no investigation. I followed up with a Method of Verification letter which I sent by certified mail. The letter was received XXXX. Experian opened another dispute and closed it XXXX and did not provide any methods of verification. Experian again failed to properly investigate a dispute and violated my rights according to the FCRA. I attached the original MOV letter, proof of delivery, and a screenshot of timeline of closed investigations.
Consumer complaint received 2016-12-30
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Early Warning Services, LLC (TX)

Initially, I disputed an item on the Early Warning report after which I received an updated copy. Upon reviewing the report, I noticed that every payment to my creditors whether ACH, checks and Debit Card payments are in this report since 2013. I do understand reporting an account is Overdrawn and resulted the closure of the account, Bank closed the account and credit score for the account but not all my transactions. I called XXXX XXXX XXXX to find out why they would report all the transaction history on the account, I was told they did not provide the information to Early Warning. Next, I called Early Warrning to ask them why we 're providing all transaction history to other people inquirying without my permission. They told the only items that will reflect on the report were payments processed twice. I explained to her the transactions on my report are payments successful the first time. In addition, I asked them to remove all the transactions and leave the statuses on the accounts. My report also includes purged accounts, pending close accounts dated as far back as 2013, and accounts that should be removed.
Consumer complaint received 2022-02-07
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. (WA)

My mortgage was in forebearance from XXXX. XXXX reported to XXXX and XXXX. Experian still has the months showing as missed payments which is affecting my credit score. I have disputed this with the credit company and got no results.
Consumer complaint received 2020-09-10
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. (TX)

Around mid XXXX, there was an attempt by a XXXX XXXX, who does not share my same social security or was attempting fraud under my name, to take out a loan for a car. XXXX, XXXX XXXX, and XXXX  said they attempted to grant me a loan. There were hard inquiries in XXXX on all 3 credit reporting agencies and there should not be any.
Consumer complaint received 2015-10-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (WI)

Obtained a Loan Modification agreement and Trial Period from XXXX XXXX XXXX, Agreement signed on XX/XX/2015, with payments due on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
mortgage was sold to Carrington Mortgage Services on XX/XX/2015. I made all four payments, but Carrington claimed I did not make the XX/XX/XXXX payment, despite having it on record. They denied the Loan Modification based on that, rejected my XX/XX/XXXX Payment and my XX/XX/XXXX payment, then initiated foreclosure claiming I had not made the XX/XX/XXXX payment ( which was not due or owed due to the modificaiton agreement ) now they wo n't work with me, refuse to look at their records and are going forward with foreclosure.
Consumer complaint received 2022-02-07
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. (TN)

I have been a victim of idenity theft. the following items are reporting on my credit profile and they do not belong to me. a collection account from XXXX XXXX XXXX in the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and the following INQUIRES do not have my authorization XXXX XXXX  services XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXXXX 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 Wrong Names such as XXXX XXXX all of this information is incorrect! ad i demand this be removed from my credit profile i have reached out to each beures several times and they still continue to report these inacuracies on my credit report this is completly unfair. I have filed a Identity theft report on XXXX and I will attach this file with this complaint.