davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-31
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. (VA)

My complaint is all three credit bureaus XXXX, EquifaxXXXX  XXXX  are reporting this XXXX account XXXX XXXX  XXXX  which is a charge off. I called XXXX XXXX  XXXX  to pay off balance until they told me this account was given to collection agency back in XX/XX/XXXX they asked me why I did not pay it 2 years ago, my response to them that I became homeless and lost my employment and I moved around alot could not keep up with my mail at the time and when I did purchase PO BOX it was already too late when I received the letter that I owed a balance. So they gave me the name of the company they sold the account too, an collection agency called XXXX  XXXX, XXXX ( XXXX ). I spoke to agent at XXXX and explained to them that XXXX XXXX  is showing a balance of {$99.00} on my credit report which they have the right to do so until they sell the account. The account was sold in XX/XX/XXXX at that time only suppose to show a balance of {$0.00} for a charge off after it is sold. The credit bureaus are showing a balance of {$99.00} which is incorrect and they are reporting this account and do not know themselves who bought this account because it does not show on the account but they decided to still report XXXX XXXX  account with a balance of {$99.00} charge off, however there should be no balance reporting if the account has been sold to a collection agency. there should be XXXX balance reporting. I asked XXXX XXXX  to remove the whole account due to the fact they sold it and gave incorrect balance on my credit report and I was told to call company XXXX at XXXX and pay them because they are the company that owns the account and only ones who can remove the account but XXXX is not on my credit reports so how can I dispute with the credit bureaus if XXXX XXXX  will not remove there account but a collection agency owns the account who is not on my credit report. I have paid {$99.00} directly to XXXX on XX/XX/XXXX {$91.00} & XX/XX/XXXX $ XXXX.I asked XXXX to remove XXXX  XXXX  account since I paid the balance now there telling me to call XXXX  XXXX  to remove it. WOW this is crazy they are playing back & forth game with me and I'm sick of it. Its causing me hardship and completely messed with my credit. I do not wish for either company to be reported on my credit report and I do not want the credit bureaus to know the name of company that bought the account. They should had done better research on account before putting it on my credit report with the correct updated information. Please help me with this situation Consumer Financial Protection Bureau.
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I'm writing to have the following fraudulent accounts removed from my credit file. The following accounts are in ligation and they are not mines. I've reported these accounts before, now I'm demanding that they be removed. 

XXXX. XXXX {$10000.00} XXXX. XXXX {$3700.00} XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (TX)

Wire was inciate on XX/XX/XXXX through the online banking. On XX/XX/XXXX wire was place on hold and no further explanation was giving. I contacted the bank for more details but unfortunately no body can give me a direct answers on why the wire was stop. After my calles I got an email regarding recipients information which I provide the same day. Until this moment I have not receive any further explanation regarding the wire. the wire transfer is to make a payment to an individual providing service in a land in P.R. Please see attached documents.
Consumer complaint received 2020-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

On XX/XX/2020 we started receiving notifications that our credit rating was lowered due to a bad report by Credence Resource Management on behalf of XXXX. I contacted XXXX XXXX XXXX XXXX and they have no record of us having a XXXX account. Have contacted credit reporting agencies and filed a dispute on the false claim by Credence Resource Management. Our town does not have XXXX or XXXX XXXX XXXX landline service. We received blind call ( Numbers only as caller ID ) today and normally we don't answer these calls. Turned out it was a caller from Credence Resource Management. When I told him that XXXX XXXX XXXX XXXX was not available in our area, he would not discuss and hung up. These folks have messed with a great credit report and should fix the problem.
Consumer complaint received 2022-04-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Select Portfolio Servicing, Inc. ( SPS ) and XXXX XXXX, XXXX I sent a letter to SPS on XX/XX/XXXX requesting consideration for a short sale. They responded by saying I had to fill out the application online and submit the required information. I filed the application through their website on XX/XX/XXXX. 
On XX/XX/XXXX I received notification stating that the application information was incomplete and that it had to be resubmitted within 90 days or I had to start over. 
The information submitted WAS complete. I've had an attorney working with me to get a response from them and he resubmitted the info himself. Since that time I have received numerous form letters stating the same things over and over - " submitted documentation is insufficient or information is still needed ''. This has been going on for 8 months and I'm no closer to resolution than when I started. These letters are simply a stall tactic. I have also sent letters to XXXX XXXX, the CEO of XXXX XXXX  and have simply been ignored. The letters were sent signed receipt requested and I have proof they were received. A letter was also sent to your office on XX/XX/XXXX and also went un-responded. I have an offer on the table for the sale of my home and I can't get anyone to respond or work with me on a resolution.
Consumer complaint received 2018-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (IN)

I am currently in the Income Based Repayment Plan and have been for several years. At the start of XX/XX/XXXX, my loan was serviced through XXXX. I recertified my Income Based Repayment application and was approved for a reduced payment of {$460.00} ( rounded ) in XX/XX/XXXX. My loan was transfered to XXXX later in XX/XX/XXXX. The first couple of payments came out of my account at the regular amount. Suddenly, starting in XX/XX/XXXX they increased to {$630.00}. I called to ask why and was told that there was an issue with transferring the paperwork, but they would work on sorting it out. I was advised to continue to make my payment at the higher amount to avoid delinquency. Come XX/XX/XXXX, it was still not resolved and I called again before the payment came out to check into the issue. Was told again that there were issues with the transfer and they were working on it. When it was resolved, I could request a refund for the overage that was withdrawn. XX/XX/XXXX, my payment has now increased to {$690.00}. When I called again to get a resolution, I was told that my IBR was not transferred and that is what the XXXX   had calculated my payment to be. I had already submitted a recertification in an attempt to facilitate a more rapid resolution and my new adjusted payment as calculated by XXXX was still signficiantly lower than the now {$690.00} I am being asked to pay. I have been very patient and have attempted to work with them, however at this point I am incredibly frustrated. I have paid more than {$560.00} over my calculated payment amount. The last rep informed me that no refund is due to me and that this is just where I am. Also since moving from XXXX, XXXX has told me that my prior payments to XXXX are not included towards my PSLF even though I have paid through XXXX 's auto deduction program my monthly payment consistently ever since starting the program. I asked for XXXX to please review my request for a second review and was told it would take 90 days. 90 days exhausted mid XX/XX/XXXX and I have not heard any response from them at this point. ( The attached documents were what I submitted for the IBR in XX/XX/XXXX )
Consumer complaint received 2021-12-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PRIMARY RESIDENTIAL MORTGAGE (MA)

I applied and was approved for a mortgage loan, paid earrnest money, had inspection and appraisal done, and had the closing date scheduled. About a week before the closing date we were informed that there is a lawsuit involving the XXXX XXXX company and the property we were set to purchase and that we would not be able to make the purchase until litigation is settled. The XXXX XXXX involved in the lawsuit will not divulge to me the nature of the lawsuit nor when litigation will be finalized, nor to the mortgage lender attorneys. my wife and I have placed our belongings in storage and are forced to stay at a relatives home. this lawsuit has been ongoing since XX/XX/2019 with no end in sight so I was obliged to cancel the transaction.
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc. (PA)

I paid off my charged off account with AVANT in XXXX 2021. They continue to report it as a charge off and late/past due every month. How can I be late or past due when I owe nothing? I was under the assumption based on my agreement with them once I paid my entire valance I full ( which I did XXXX my obligation was fulfilled. They continue to report monthly that I owe them money with a past due balance negatively on my credit report every month as a current charge off. I would like this to be fixed. This is negatively impacting my credit. 
I no longer owe money. I am not late Or past due. This is false information and I fulfilled my entire balance.
Consumer complaint received 2020-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc. (NC)

This debt came from XXXX, I had a contract for 18 months with 4 phones. I completed the 18 month contract in XX/XX/XXXX turned in all 4 phones through mail as asked by XXXX. Followed instructions from package they sent with label attached to send all equipment back to XXXX. All bills were paid in full and equipment returned, after XX/XX/XXXX I received a bill saying I owed over XXXX dollars for equipment. I refused to pay. I returned all equipment in the prepaid labeled package XXXX provided.
Consumer complaint received 2018-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (CA)

I opened a new checking account on XX/XX/18 at XXXX Compass bank in XXXX XXXX. 
I was waiting for my new debit card to come. I recieved in mail my welcome to online banking letter and a letter with my pin # in it. But no debit card. I had set up online banking and a phone app at the branch the day I opened account. I noticed I couldnt log into the phone app for my banking so I called the bank to ask about my card and the app not working. The bank informed me that the debit card had been activated and my account had been cleaned out in a day. Several transactions had been done. 
The bank also asked me if I had called to change my # and email. I told them that I had not done this.No one from banks security ever called me to see if I had for a new account. 
I then followed the banks instructions about filing a police report. Filing a mail theft report with the postmaster online. 
Also I filled out fraud dispute forms with the bank about any transactions starting XX/XX/18 that were not mine. all from that date were not mine. 
The bank has informed me that they will not refund my money that they allowed to be stollen. They said normal use on account. Its a new account and I had no debit card.How could there be any normal use established yet.? 
Fraud department also mistakenly emailed me another banking clients personal dispute info. I would think they would check name before sending a clients personal banking info to someone else. But, if they allow criminals access to my money then obviously not very perfessional. 
XXXX has acted negligent in keeping my money safe and taking security precautions to ensure that and now are refusing to refund my money from new account. 
Someone please advice and help. Single Mom XXXX
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

per the FCRA as a federally protected consumer i am now opting out any & all authorization i the consumer may have given XXXX XXXX XXXX written, unwritten, verbal & non verbal per 15 USC 6802 as well as 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. 


I DID NOT RECEIVE A PROPER OPT OUT NOTICE FROM XXXX XXXX XXXXXXXX FURTHER ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right ; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice. 

I HAVE SENT XXXX XXXX XXXX NOTICE TO OPT OUT
Consumer complaint received 2018-03-01
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)

Dear Transunion XXXX, I checked my personal credit report, which I acquired from your organization on XX/XX/2018 and I noticed an unauthorized inquiry had been made on XX/XX/2018. 
I contacted XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX  ( XX/XX/18 ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, XXXX XXXX
Consumer complaint received 2020-06-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Toyota Motor Credit has been negatively reporting to my account for yeas. Despite repeated requests from the credit bureaus and Toyota Motor Credit themselves, I have not received validation of debt. In a final chance to remedy this issue, I requested the validation and Toyota Motor Credit has not responded. I sent a letter with copies of my current drivers license and social security card via Certified Mail Signature Requested postage. Toyota Motor Credit received it XX/XX/2020 but did not reply to me, in direct violation of the FCRA. The amount is {$2600.00} and the charge off eviscerates my credit report month after month. This negatively impacts my job seeking opportunities and ability to obtain reasonable credit. I would like this deleted or I will seek litigation.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX, XXXX XXXX Inquired on XX/XX/2021 2021
Consumer complaint received 2020-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: KEYCORP (NJ)

I was in a re-age program for 3 mos, paid per terms of agreement and then went back to normal payments per said agreement. Company is reporting me ( shows on my monthly statement ) that i am in a loss mitigaton program which i am not nor have i ever been as a reage program is not loss mitigation. I have contacted XXXX XXXX via voicemail ( she was my point of contact during this ) no less than 15 times and have not rec 'd a response nor do i see the verbiage off my monthly statement. I have written a letter to both the office of chairman, XXXX XXXX and XXXX XXXX all without response, written or phone call. 

I want this reported current and accurate to the credit repositorites and i want the verbiage that i am in loss mit off my monthly statements.
Consumer complaint received 2018-03-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (IN)

XXXX XXXX says they bought my medical bill from XXXX XXXX XXXX in XX/XX/XXXX and I have had state issued insurance that pays for everything. I never had any type of balance, I have not been uninsured ... I have literally been covered since XX/XX/XXXX. They keep reporting on my credit and this information is false! They constantly call, they talk to me like I'm XXXX, disrespectful, they don't even know what the bill was for, who the patient was, etc
Consumer complaint received 2020-08-23
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)

While checking my credit report I discovered unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty. 
1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-10
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. (NJ)

I have previously requested verification and validation of a negative item listed on my credit report. The result of the investigation did not produce any documentation requested and required to support their results. The collection company also responded without providing what was requested ( a copy of their response is attached ). If this is what was used to VERIFY and VALIDATE this item then they, the credit bureaus and the collection company are in violation. No contract was produced and a one page copy showing a " balance '' is not enough to validate an alleged debt or accurately produce verification. I am enclosing copies of my recent requests to the credit bureaus and the collection company with this complaint as well as a copy of their response.
Consumer complaint received 2021-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

CAPITAL ONE CREDIT CARD ACCT XXXX COMPANY AGREED TO REMOVE ACCOUNT FROM CREDIT REPORT IF PAID IN FULL THIS HAS YET TO OCCUR.
Consumer complaint received 2020-11-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

XX/XX/2020 I 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 mh Disputes Section 611 ( a ), its plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from mh Credit report it has been over 60 days so they should be deleted promptlyle I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands