davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-22
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (NY)

I have a XXXX XXXX XXXX financed with Santander since XX/XX/2015 ... they reflect I have multiple late payments which I highly disagree ... the finance amount was $ XXXX  for 72 months ... ..I called and acquired information that I have paid over {$3000.00} since acquiring vehicle. HOWEVER on my credit report it reflects $ XXXX and 83 months ... ..HOW ... ..the representative I spoke gave me manager name and extension and I have left over 20 messages for resolution and get no return call ... ... I FEEL CORNERED AND A VICTIM OF A PREDATORY LOAN!!!!

INFORMATION IS TOTALLY INCORRECT ON MY REPORTS / CREDIT BUREAUS ...

VIOLATION OF FCRA 609 AND EACH I CHALLENGE WITH THE MULTIPLE BUREAUS THEY CEASE TO PROCEED THEYVE DONE SUCH ... 

LENDER SENDS RANDOMLY STATEMENTS THAT FLUCTUATE WITH NO SENSE
Consumer complaint received 2017-06-07
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. (TX)

There is wrong information appear in my report. I demand to see verifiable proof of the accounts you listed  XXXX   XXXX  CT NJ  XXXX  -  XXXX   XXXX  Account #  XXXX    XXXX   Account #  XXXX  ''  XXXX   XXXX   XXXX  Account #  XXXX    XXXX    Account #  XXXX  ''
Consumer complaint received 2017-06-07
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (RI)

Ally is refusing to credit  a 3 payment rollover ( {$820.00} ) from our  previous lease, that  XXXX   XXXX  took over on my new auto loan, we are getting calls @ work all times of the day and at night. They were advised by letter and verbally by phone that no calls will be accepted to our personal phones as they are used for personal as well as work purposes, and is interruptive. A monthly budget payment was accepted on their behalf on paying the remainder of the auto loan. But yet we still get harassing calls from them. I copied the consumer protection laws from the .gov website and sent it as a reminder to the rules and regulations, but seem to go ignored. Si nce Ally has agreed to a monthly payment plan, we see no reason to have any phone contact from them. They were advised USPS correspondence is fine for receiving the bill. At this point we consider this to be harassment on their behalf. On a phone call with them yesterday, I advised any further contact would result in further civil action on our behalf. We do not deny the balance due, we just want the calls to stop.
Consumer complaint received 2021-03-28
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: EQUIFAX, INC. (TX)

I sent disputes letters to all 3 bureaus XXXX, XXXX  and Equifax about incorrect and invalid information on my credit reports. They have failed to respond to me. I sent a demand to comply letter to all three in hopes of getting a response.
Consumer complaint received 2017-10-16
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. (TX)

Consumer Financial Protection Bureau ( CFPB ) this is my ongoing attempt to resolve and correct this injustice. Attached are the Denial Notices that should have been offered with Complaint XXXX. These Notices will be added to the already numerous amount of Credit inquiries that currently exist on my Credit History Report which I have been told will remain on the Report for a period of ( 2 ) years. The Credit Denial Notices are based on unlawful and outdated information that was supplied by one of the Credit Reporting Agencies ( Trans Union, XXXX and XXXX ). The behavior of these agencies is causing additional inquiries to be posted to my Credit History. It has been my experience that these agencies take turns sharing erroneous information acting out and a reflection of their own prejudices. For the record the Denial Notices indicated that the Creditors supplied with Credit History information indicating that there are and was Delinquencies, public record or Bankruptcy. This incorrect and erroneous information was supplied and offered by XXXX. Many attempts have been made to clean and correct the Credit History File over the past 10 years, what XXXX claimed took place almost ( 40 ) years ago and the sharing of that information was irresponsible, irrelevant and prejudicial. However what occurred was a Bad Creditor forced me into the Delinquencies and Bankruptcy and for the record I want except or tolerate any Creditors who hide behind bogus agreements and faulty merchandise just like Credit reporting agencies who erroneously and falsely share unlawful and outdated information. The Denial Notices offered the erroneous explanations for why the Credit Applications were DENIED however the bad behavior of Trans Union, XXXX and XXXX failed to stop or discourage XXXX XXXX from approving the $ XXXX Loan. XXXX XXXX approved the vehicle Loan Applications withstanding the current false and erroneous information that was offered by Trans Union, XXXX and XXXX.
Consumer complaint received 2017-10-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MA)

I had a bankruptcy XXXX in XXXX of XXXX discharging a first mortgage and second mortgage on my residence.The first mortgage payment has gone from XXXX to XXXX in the last 2 years and it is now XXXX am not paying the second that was XXXX in bankruptcy.I have been denied a modification by XXXX XXXXI was told upon the bankruptcy from the then second mortgage servicer to not worry about the loan because i would be ablew to obtain a discharge as the property was under XXXX XXXX originated both mortgages butr sold the XXXX to many servicers now it is being handled by XXXX XXXX XXXX are difficult and unresponsive, i have mad them offers for a lien release in the format that they requested and they are either ignored or answered with a number they know i cant comply XXXX second mortgagee had previously agreed to give me a discharge and are now reneging on the XXXX, All subsequent efforts to effectively buy the discharge results in them not hgetting back to XXXX though this is the same mortgage that had collection efforts made during my bankruptcy and even asked me to produce a " NOTICE OF NON REAFFIRMATION ''? 
I am being forced into foreclosure after having been given errant information by the mortgage servicer.XXXX
Consumer complaint received 2018-03-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (VA)

I contacted XXXX XXXX XXXX on approximately around XX/XX/2018 to set up a payment plan to start paying this debt off. I offered $ XXXX  monthly and the personnel on the phone refused the amount unless a larger sum was paid upfront. I explained to the representative that I did not have that type of money to make a large sum payment. He refused to take the {$150.00} and said that legal action would occur. I try to contact agency back a day later without success.
Consumer complaint received 2019-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MS)

First Issue is that, when pulling my report, I only received a report from Experian. I DID NOT receive reports from the other two. ( XXXX  and XXXX ). 

Second issue is with Name. Every since Ive been XXXX XXXX XXXX, Ive NEVER used XXXX XXXX which is included in the Experian report. AND ... 

Is there a reason as to why I wouldnt receive a report from when I was XXXX XXXX ( maiden last )? 
To clarify, I did not receive any reports for the years earlier than XX/XX/XXXX or when I was XXXX XXXX. 

Thirdly, under Addresses, I have never lived in Oregon, yet there is an Oregon address on my report. Why? 

Is there a reason as to why my Report only dates back toXX/XX/XXXX?
Consumer complaint received 2017-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I have disputed multiple times with all  XXXX  credit bureaus because an account with  XXXX   XXXX  is on my credit report. The account was opened in  2011 . I was in  XXXX   XXXX  at the time and never opened this account. I do not know who did however I have never done business with  XXXX . I have tried to reach out to them to get information and they refuse to provide any proof of why this account is on my credit. After disputing unsuccessfully with the credit bureaus twice now. I am reaching out to CFPB to get this removed from my credit as it is lowering my score and I am attempting to get a mortgage in the near future. This account does not belong to me!
Consumer complaint received 2017-06-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ORG GC GP BUYER, LLC (FL)

In or around  XXXX  of  XXXX ,  XXXX  sent my account to GC Services Limited Partnership, a collections company in error. The balance on my  XXXX  account was incorrect and was initially disputed in or around  XXXX  of  XXXX  as illustrated in the attached Better Business Bureau complaint. Moreover, I had to initiate another billing dispute with the Better Business Bureau in or around  XXXX  of  XXXX  regarding my  XXXX  account as it again reflected the wrong balance. Since  XXXX  of  XXXX  I personally tried to resolve the issue with  XXXX  to no avail and ultimately resolved the issue by contacting the Better Business Bureau. Despite  XXXX  acknowledging their errors, they still allowed GC Services Limited Partnership to report my account as a collections account.  <P/> Despite the fact that I have spoken with  XXXX   XXXX  from GC Services Limited Partnership on multiple occasions to get the collections account removed from all   XXXX    (   XXXX   )  major credit bureaus when they have acknowledged that it was an error caused by  XXXX  - I have been unsuccessful.
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am doing some follows ups and I have lost several XXXX points due to unauthorized inquiries and errors. I need to be re-scored and get my points back on my XXXX XXXX.
Consumer complaint received 2017-08-24
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. (LA)

OnXX/XX/XXXX I discovered XXXX XXXX XXXX account number XXXX XXXX had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. This account was detected to have been deleted betweenXX/XX/XXXX andXX/XX/XXXX from Equifax which I have proof. Also, this account was deleted by the other CRAs ( XXXX and XXXX ) as well and has not been reinserted to my credit file.
Consumer complaint received 2017-06-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I have been disputing a bankruptcy on my Experian credit report for the past couple of years. I have gone to the Bankruptcy  Court  in  XXXX , NJ that Experian has told me that they verified this information from and the Bankruptcy Court in  XXXX , NJ stated that they do not verify, report or give information regarding bankruptcies to and third party and credit bureaus. Every time I dispute the bankruptcy with Experian they state th e Data Furnisher has verified this bankruptcy and refuses to give me the methods in which they verified. I have received several letters from The US Bankruptcy Court stating they do n't verify with third parties so how do they continuously validate a Bankruptcy that they can not verify with the courts. I was told various times that they do n't have any information to give me to show me who they are getting this information from. Everything that is reporting on y credit reports are suppose to be accurate but it is n't. I have attached a Letter from the US Ba nkruptcy Court,  XXXX   XXXX  that states the bankruptcy that they are reporting is fraudulent and should be removed
Consumer complaint received 2021-03-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (NC)

We filed a complaint with the CFPB on XX/XX/XXXX regarding our mortgage servicer, NewRez. We received a response on XX/XX/XXXX from XXXX XXXX of the NewRez Compliance Department. 

XXXX XXXX stated " The loan payment history we have available starts on XX/XX/XXXX through the present date. Unfortunately, the prior servicer, Ditech Financial LLC ( Ditech ) did not provide the life of loan history ; therefore, we are unable to comply with the homeowners request for a payment history from origination through XX/XX/XXXX ''. 

In XXXX XXXX 's response, inaccurate and incomplete Escrow Payment records from XX/XX/XXXX to XX/XX/XXXX were provided. Escrow Payment Records from XXXX, XXXX, XXXX, XXXX, XXXX and XXXX were not included. 

1. Where are the Escrow Account Payment RECORDS including the Escrow balances from XXXX, XXXX, XXXX, XXXX, XXXX and XXXX? 

2. In reviewing the documents that NewRez supplied in their response, there are no ESCROW ACCOUNTING RECORDS from XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. Apparently NewRez does not have any Escrow Account Records at all from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX because in their reply on XX/XX/XXXX the only Escrow Payment Records that were included were up to XX/XX/XXXX. Therefore what records did NewRez use to calculate the claimed amount of due of {$4400.00} which was filed on Official Form 410S1 on XX/XX/XXXX with the United States Bankruptcy Court for the : Western District of North Carolina? 

3. Why did XXXX XXXX state that " The loan payment history we have available starts on XX/XX/XXXX through the present date '' However she only provided Escrow Account Payment Records up to XX/XX/XXXX and not the present date? Why did she not provide any Escrow Accounting Records for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.
Consumer complaint received 2016-02-10
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

Fifth Third has been nothing but difficult when dealing with them. A few years ago I had to have a modification ... it took a year for them to actually help me. After a year of first them stating that they " had all the documents '' then getting a letter stating that they did n't get everything and I had to start over. I had retained a lawyer but they were shut down by the FTC - then suddenly Fifth Third did my loan modification within days However they had to do a " buy back '' but would n't tell me why. Flash Forward till now ... I again lost my job and called them within a day because on their website they state you do n't have to be late to get help. I called before I was late, then I received a notice stating they could n't do a modification. I continued paying my mortgage but again, without steady employment as I thought ... it became difficult. So I have resubmitted my application 2 times ( one was an appeal ) they have rejected them with different reasons but offer a short sale. I have tried and tried to get in touch with my Specialist at fifth third ... but he will not contact me. I have sent an email to their VP of the Mortgage Modification department ... Nothing. I have left messages ... nothing except for automated calls telling me my mortgage is late! I just need help and information yet they are unwilling to even answer my questions. I have my emails, correspondence, timeline of all events and the stomach issues to prove how terribly upset I stay.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I checked my credit report in XX/XX/year> and found that I had fraudulent accounts reporting on my credit report with all three bureaus Equifax XXXX and XXXX I have sent in all necessary documents to prove my identity as well as an updated identity theft report and still nothing was done to help I did request that the fraudulent information reporting on my credit file be blocked and deleted I also called to rectify the situation and nothing was done. I mailed all the bureaus the information needed twice once through priority mail and just reciently through certified mail and nothing was done. I stated every account that should be removed as well as every address that is not associated with me be removed. I am actively in the XXXX I am asking for your help and support in this matter
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I have recently tried to apply for a business loan and was rejected because XXXX, Equifax and XXXX do not have up to date credit reports on my credit file. The last documented credit reports are as follows .... 

XXXX XX/XX/XXXX Equifax XX/XX/XXXX XXXX XX/XX/XXXX I have made several attempts to contact XXXX and never get through to anyone. I have sent them a message and finally received response today and they are pretty much saying the issue is on my end. Which is inaccurate. Even the creditors are seeing the same thing. 

Equifax is stating they can see a recent credit history but won't give details. Even when I login to their site, it says they can not help me and that I need to call the XXXX number to speak with a representative.
Consumer complaint received 2017-06-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NIC, Inc. (TX)

On   XXXX   XXXX   XXXX     I wrote a request for account validation  to Nemo 's Inves tigations And Collections. What they sent back on   XXXX   XXXX   XXXX     was not corresponding with Account validation. Please help me with this collection agency. The description of services is scratched in  black in k its unreadable. I do not want them to contact me or report false debt to the  XXXX  credit bureau 's.
Consumer complaint received 2022-09-07
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. (IA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX XXXX How is Trans Union and XXXX reporting this account type as open, while the account status being reported for all three consumer reporting agencies is closed? Which one is it? Is it open, closed or is it charged off? 
Why are there so many missing fields of information? Did XXXX XXXX XXXX not supply that information to you? 
Trans Union and XXXX is reporting the date last active as XX/XX/XXXX and XXXX is reporting it as XX/XX/XXXX. Which date is it? 

Why isn't Trans Union or XXXX reporting any payment history? When was I reported late with Trans Union or XXXX? What was my monthly payment? When was my last payment received for this account? 

This account is completely inaccurate.
Consumer complaint received 2018-03-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (NE)

I have never even heard of XXXX From Rhode Island before, and yet they have withdrawn {$39.00} from my prepaid debit XXXX card on multiple occasions! Most recently on XX/XX/XXXX at XXXX. Not only have they withdrawn this random amount multiple times, but they have also attempted to authorize my crd for that same amount EVERY SINGLE DAY, SOMETIMES TWICE A DAY, since XX/XX/XXXX!!!! I'm glad I dont have that much money on this card and the authorization was obviously declined several times because THEY ALREADY TOOK ALL MY MONEY!!! I DO have my monthly statements to show this and I also am enrolled in the XXXX XXXX XXXX program so that they text me EVERY SINGLE time they either took my money or attempted to take my money!!! I tried calling the XXXX number they provide on their website ( no other info is on their site except for their number .... ) And repeatedly got a lady with a XXXX accent saying that they were closed!!!! So I XXXX the company to see if anybody else has experienced the same thing from this company, and their are SEVERAL people getting scammed by this company!!!!
Consumer complaint received 2018-03-22
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: Navient Solutions, LLC. (RI)

I had file a dispute with XXXX in regards to some inaccurate information. They never answer my dispute. I called and wrote a letter several times and never received an answer. Once they had the incident where they were hacked I resubmitted my dispute and some of the item were corrected. About 3 or 4 months later they were reinstated. Again I filed a dispute and informed them that I knew it was illegal to reinsert an item without proper notice and I have yet to have those items removed.