davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (MD)

XXXX XXXX failed to disclose : I hired XXXX to assist with negative claims on my credit report. I informed them directly that I was doing so to get a mortgage. They filed a set of disputes. When I continued my efforts to get a mortgage, 100 % of mortgage companies contacted said they couldn't proceed toward a mortgage with disputes showing on my credit report. As I had just moved, and was living temporarily in a hotel room, this waste of time and money was highly disconcerting. An even more significant trouble was getting the disputes removed. XXXX XXXX was no help, and as before, the credit bureaus have a highly difficult phone answering system to get through. The initial 3 phone numbers for the bureaus that XXXX XXXX provided took me several hours to get through, and ultimately dead-ended. I then received 3 new numbers from another source, and after an hour on the phone received confirmation that the disputes were removed. Then a week later a mortgage company tells me they're still showing! Frankly, I'm in mortgage and credit report XXXX-the credit system allows a company to file fraudulent claims for payment, and we the consumer are presumed guilty. There is a whole industry based upon this lapse in our system ... of which XXXX XXXX is a part. Companies now find it in their favor to make false claims, easily turn them over to collection agencies. They both know that the sums of money aren't enough for a consumer to hire an attorney. 'Credit Repair ' companies then feed the fraud, when there isn't a legal basis for their statements ... the basis for their 'credit repair ' is simply the hope and prayer that collecting entity will simply fail to respond within 30 days. This is fraud upon fraud. To make it worse, the credit bureaus are a money-grubbing effort,  unconcerned about the consumer. Today, XXXX sends me a email saying my dispute is resolved, and give a link to view it. It goes to their site, but when pushed, it simply returns to the home page. They're fraudulently indicating I can view the report without being a paying member, yet I can't see it! Another part of this whole fraudulent process!
Consumer complaint received 2018-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Sent in three dispute letters to all credit report agencys regarding account XXXX  XXXX ) account is not mine, please delete it. Put a fraud alert on my account due to my name being used, credit agency is not verifying these accounts.
Consumer complaint received 2018-07-25
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. (CA)

I have never been late on my payments with XXXX XXXX XXXX, sent dispute letter to all 3credit agency, they did not verify it, still reporting that I have late payments.
Consumer complaint received 2024-04-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (IL)

LJ Ross and Associates has reported to XXXX that I lived at an address in XXXX and had gas service with a company I have never heard of, XXXX XXXX XXXX and XXXX XXXX in the amount of, {$2000.00}, Account number XXXX. They reported that they verified this information but it is impossible because I have lived in the same house in XXXX XXXX, IL. for over thirty five years using the same gas company which is XXXX. 
The false information and reporting by LJ Ross and its employees which they continue to do monthly has had a negative impact on my credit score and I have been denied credit due to their negligent reporting. I tried to resolve this with the XXXX  but LJ Ross continued to say that they verified this information which is not true. XXXX complaint # XXXX filed in XX/XX/XXXX. 
I want LJ Ross to stop remove this false information from my credit report and not sell this information to anyone else. As you will see on the attached As you will see on the attached complaint to the credit bureau, this account appeared on my report in XXXXXXXX XXXX XXXXXXXX under XXXX XXXX XXXX. I disputed the account with XXXX from XXXXXXXX XXXX on XX/XX/XXXX at XXXX and the collection was removed from my credit report then sold to LJ Ross and now they are reporting it.
Consumer complaint received 2019-06-09
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)

Multiple inaccurate accounts are reporting on my credit file : XXXX XXXX XXXX XXXX   XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I have been dealing with so -called navient for a few years now. Orginal school was XXXX college but i guess its convert to XXXX college. Sallie mae was the loan server that is display on the promissonary note. I dropped out of school in the first month because the school was misleading. During that time XXXX tried to get a loan from salie mae but was denied. I contacted XXXX college to look for my information but they have no record of me Navient claims i owe XXXX dollars But they cant provide proof of my signature that i accepted this loan amount but they did send me a letter saying i was denied the loan so where did this money come from? seek supporting documents.
Consumer complaint received 2018-07-25
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. (CA)

I have sent numerous letters to XXXX, Equifax, and XXXX to delete a account ( XXXX XXXX acct number XXXX ) that does not belong to me. I told them to verify it and also to request signatures and to tell me the person they spoke to, they cant verify it because this account does not belong to me. They would never give me any information, just say verified, I would like this account deleted. I sent out 3 letters to all credit agencys in the last 3 months starting in XXXX XXXX, and still have not got a answers. Just sent out 4the letter stating I will sue if its not removed off my report
Consumer complaint received 2017-12-17
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. (IL)

This has been an ongoing battle with Equifax and XXXX I have disputed information, submitted ID Theft Affvaidts and police reports ; they fail to delete items however the remarks say : '' re-investigation in process '' The accounts that are not mine in it related to Identity Theft are : XXXX XXXX, XXXX XXXX ( two accounts ), XXXX XXXX XXXX ( I do not have any children ), XXXX, and XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-09-03
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. (TX)

XXXX XXXX XXXX has furnished my student loan to credit reporting agencies without permissible purpose. Pursuant to 15 USC 1681b. ( a ) ( 2 ) I do not consent and i did not give consent to furnish this student loan on my consumer report. A consumer report is voluntary and i did not consent or volunteer for my information to be used publicly or privately. As a consumer and natural person in fact i believe that a fraud is being committed by Department of Education XXXX Pursuant to 15 USC 1602, 15 USC 1605, and 18 USC 8.
Consumer complaint received 2020-11-19
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. (NV)

The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off my credit report.
Consumer complaint received 2021-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (TX)

We purchased our home in XX/XX/XXXX, through the Mortgage company AmeriSave Mortgage Corporation. In XX/XX/XXXX our first mortgage payment was in the amount of {$2400.00}. However our mortgage payment history only shows that the payment was only for {$1000.00}. We have sent over a copy of the check for the full amount over to the Mortgage company as proof in XX/XX/XXXX. We have called the Mortgage company at least 5 times, but now it's XXXX of XXXX and the issue has still not been resolved. Nor are we getting response from the Mortgage company on this issue unless we call them. When we call them, they keep telling us that they are working to resolve it and that it would be fixed within 5 to 10 business days, but it's still not resolved. I'm attaching a copy of the original check and the payment history from the Mortgage company website which shows we are only being credited for the {$1000.00} instead of the full amount.
Consumer complaint received 2021-01-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I file multiple complaint to Bank of America To removed my email From their system I file a complaint on XX/XX/2021 I was told my email was removed And I would not be getting any more email from Bank of America Because I was harassed by 3 employee XXXX and XXXX and XXXX who Harassed me Multiple times and was told to removed my email On XX/XX/2021 I received an e-mail from Bank of America I would like to know where I can press charges Against Bank of America For continued to used my Email to harass me
Consumer complaint received 2021-05-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (FL)

I CHECKED MY CREDIY REPORT AND I SENT LETTER ON XX/XX/2021 ABOUT INACCURATE INFORMATION THAT WAS ON MY REPORTS. I REACHED OUT TO XXXX, EXPERIAN AND XXXX. AS WELL AS TOO ALL CREDITOR AND I HAVE YET TO RECIEVE AN INFORMATION ABOUT MY DISPUTE. I TRIED TO PUT IN MORE INFORMATION IN PAGE 4 BUT IT DI NOT ALLOW ME.
Consumer complaint received 2020-09-03
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$31000.00}, {$2700.00}, {$620.00}, {$150.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) --  CLOSED ACCOUNTS 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$620.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$150.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$13000.00} -This is not my account.
Consumer complaint received 2021-05-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: OneMain Finance Corporation (FL)

I had a desperate situation with family health issues. I just needed {$4000.00} to take care of business. I saw an add with OneMain Financial Bank. They wanted to give me {$30000.00} instead. Little did I know they would not give me the cash unless they wrap my car loan with the {$4000.00} I needed.

My wife and I had a {$25000.00} car loan with XXXX XXXX XXXX at a rate of 6 % for five years. An affordable monthly payment of {$440.00} Because of the {$4000.00} we needed, will be paying OneMain Financial the same loan at a rate of 18 % for five years ( {$760.00} per month ). 

I am having a lot of problems with my wife for turning OUR 6 % loan into MY 18 % loan. 
I desperately needed to resolve our issue and did not think what I was doing. This is financial terrorism. I hope you can help me lower this monthly payment since I am not working at this time. 

XXXX XXXX
Consumer complaint received 2021-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (CA)

I was in forbearance and my bank loan care agreed on the forbearance terms. Once I was out of hardship I started making payments. My mortgage company loan care report missed payments to credit bureau which dropped my credit score from XXXX to XXXX. They return last payment and report missed payment. I have called the mortgage company numerous time but there has been no resolution yet. This is going one for almost a month and when ever I call I have been told they are busy and they have a lot of customer like me and it happen because of pressure from investors. I dont know if they are trying to get government fund by showing some numbers or what but as individual I have been devastated by this with no resolution in sight.
Consumer complaint received 2022-09-17
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: Santander Consumer USA Holdings Inc. (IL)

To Whom it may concern, 2nd Attempt According to my most recent credit report, your company is currently reporting to XXXX a major credit bureaus that I applied for credit with your organization. I did not grant you this authorization to review my credit report. I do not know if that would be considered fraud or error. 
In accordance with Law 15 USC 168b : Permissible purpose of consumer reports include : employment, insurance, CREDIT, gov charge cards, child support, ext. COMPANY MUST prove they had your permission! 
The Fair Credit Report Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of the application authorizing the disclosure of credit files with my signature, I will accept the inquiry. ( I understand this may be done electronically but consent is still needed ) If a signed authorization can not be found please remove the inquiry from XXXX, a main credit bureau. 
The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence soI would greatly appreciate a response from you within thirty ( 30 ) days. 
Please mail me the copy of the signed application or letter indicating your intention to delete the inquiry. 
Best Regards,
Consumer complaint received 2019-03-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

This is a complaint regarding SHellPOINT MORTGAGE SERVICING. THE COMPANY REFUSED THE LOAN MODIFICATION PROPOSED BY KEEP MY HOME CALIFORNIA. CLAIMING THEY HAD THEOR OWN MODIFICATION. THEY OFFERED TRIAL PAYMENTS FOR 6 MONTHS ALL PAYMENTS WERE MADE THEN THIS UNETHICAL COMPANY AFTER THECTRIAL PERIOD LIED AND RAISED THE MORTGAGE PAYMENTS AND REFUSED TO ACCEPT PAYMENRS FOR THE SAME AMOUNT OF THECTRIAL PAYMENTS. THIS COMPANY IS UNETHICAL AND WHENEVER PAYMENTS ARE SENT THEY SENT PAYMENTS BACK. THERE IS NO ONE POINT OF CONTACT. XXXX YOU CALL MULTIPLE TIMES ONLY A VOICE MAIL IS RECEIVED.
Consumer complaint received 2019-03-15
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. (VA)

My identity has been compromised years ago and I've disputed these very accounts before. However, the 3 major credit bureaus has ignored my consumer rights that's afforded to me by the FCRA inwhich is supported by the FTC. The credit reporting agencies response to my disputes were " accounts been verified. Verified without any certified physical documentation, nor was I ever given accurate account of the process. Please provide me with the detailed Method Of Verification used in all these accounts inwhich I'm disputing and if you and/or your companies do not fully comply then you must remove, delete and/ or block the following accounts immediately as my rights vis the FCRA . The accounts are as following. 
# 1 ) XXXX XXXX {$630.00} # 2 ) XXXX Bank {$740.00} # 3 ) XXXX XXXX XXXX {$91.00} # 4 ) XXXX   XXXX XXXX  {$0.00} # 5 ) XXXX XXXX Build # 6 ) XXXX XXXX {$6.00} # 7 ) XXXX XXXX XXXX # 8 ) XXXX  XXXX XXXX {$6.00} # 9 ) XXXX XXXX XXXX XXXX {$1.00} # 10 ) XXXX XXXX XXXX {$1.00} # 11 ) XXXX XXXX {$860.00} # 12 ) XXXX XXXX XXXX XXXX XXXX {$31.00}
Consumer complaint received 2017-12-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (OK)

This is the THIRD COMPLAINT I have had to file against Selene Finance, whoever they are! Their continual lies in their responses baffles me! Once again they have lied about my representation! I guess no one there can read a court case because it lists my attorney THROUGHOUT the whole case and it is NOT and has NEVER BEEN the Green Law Firm so do n't tell me to have them do anything! I HAVE NEVER EVER BEEN REPRESENTED BY THEM, GET SOMEONE WHO CAN READ! When you find someone who is competent enough to read the court case maybe they can see where my attorney WITHDREW A YEAR AGO! I AM NOT REPRESENTED BY AN ATTORNEY AT THIS POINT, but with all the lies your company is espousing, I will have to hire one! You completely ignored my certified letter so that will show how you have blatantly lied and ignored all my attempts to make you tell the truth about this case! I will keep filing these complaints so the court will have a record of the lies you have told and how you have STILL not provided the required LEGAL DOCUMENTS TO ME! I STILL can prove you have NEVER contacted ME and your complete disregard for the information I have told you TIME AND TIME AGAIN! READ THE COURT CASE AND MY CERTIFIED LETTER TO YOU before you try to answer with more lies! Since you have simply substituted your name for XXXX 's I am not sure that the Supreme Court case that they lost does not apply to you! When you find that person that can read you better find that case and STUDY IT!
Consumer complaint received 2018-07-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Ria Envia, LLC (NY)

I was contacted on XXXX to be hired for a full time XXXX  position on XX/XX/2018. The parent   then emailed me personally to give me more information on the job. They stated they were moving to my town and would need me to purchase a XXXX  for their arrival as the daughter just had XXXX. They sent me a check for XXXX $ to use for purchase of the XXXX and was instructed to deposit check and use for payment. On XX/XX/XXXX I was cleared to send money to the owner of the XXXX so I was instructed to go to XXXX to send a direct money transfer via XXXX. I sent XXXX $ and the next day found out the XXXX $ check was fake and was now out XXXX . I have contacts NYSP AND XXXX and XXXX WILL NOT CONTACT ME BACK.
Consumer complaint received 2018-07-25
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: EQUIFAX, INC. (SC)

Spoke to XXXX in the Fraud department who stated in short that they did not accept the police report I sent because the case number was invalid ( I disagree ), The police report has an official case # and the name of the investigator and her supervisor. Per her request I have picked up a copy from XXXX. This account occurred in XX/XX/XXXX. I never signed a contract with XXXX. She stated that they mailed me several letters that I never received. This could be due to the fact that I moved in XX/XX/XXXX. My current address is attached in this report. I'm asking your help to resolve this matter quickly
Consumer complaint received 2021-11-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In 2017 I received a 1099-C Cancellation of Debt.

Form 1099-C must be filed regardless of whether the debtor is required to report the debt as income. 

Income is not reported on Consumer Credit Files/Reports 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2021-11-10
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.