davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 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
Consumer complaint received 2023-01-12
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. (FL)

I submitted a letter to the XXXX Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX and I'm including it again. Please make sure to correct or delete the following items that are harming my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-09
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. (NY)

In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post my credit report. I am formally requesting to see verifiable proof of the original consumer contract with my personal signature on the record. I have listed the accounts below, in which I am requesting said verification of. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA unverifiable accounts must be promptly removed. You must also provide actual documents bearing my signature and the application for credit bearing my actual signature. NO ONLINE APPLICATIONS I formally demand the follow negative account records to be verified, and/or removed immediately. Your invetigation into this account has dragged on for over 90 days and still no proper investigation has been done. The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX
Consumer complaint received 2020-01-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

On XX/XX/2020. I received a small claim case No # XXXX from justice court of the State of Texas, XXXX County precinct 3. The plaintiff is Midland Funding LLC sue me and demand for payment amount of {$6700.00}. However the person reference in the citation have same name but not me, the social security number does not match mine, the address listed in the citation which I have never lived at, also I have never opened an account with the bank in the citation. 
I have contacted the plaintiff attorney through email with this information on XX/XX/2020 but a company Midland Credit Management still send me letter on XX/XX/2020 which a request of payment. 
Please contact me to advise the steps needed to stop send letters and dismiss this case. 
Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2021-09-19
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (KY)

I reached out on XX/XX/2021 via letter to NCB Management who owns the debt and has now outsourced to XXXX XXXX XXXX. NCB management/XXXX XXXX XXXX say I owe about {$16000.00} for a car. I have not received a letter of the notices or allowable resale of a vehicle. NCB Management still reflects on my credit report with XXXX, XXXX, and XXXX with no proof of debt owed or legitimate documents. This has harmed my credit and is considered a violation of the FDCPA and FCRA. Please advise I submitted a letter to XXXX, XXXX, and XXXX in regards to having the debt collector verify the collections and havent received anything.
Consumer complaint received 2021-04-01
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. (OK)

Experian credit reporting has failed multiple times to provide information regarding a dispute on their credit bureau after stating that have sent the infomation. I do have informed delivery and at no time has any mail be sent or certified mail received. Your blanket responses will not be accepted just so you can close your complaints.
Consumer complaint received 2021-02-10
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: General Motors Financial Company, Inc. (IL)

Those items are identity thefts and do not belong to me. I do not recognize them and never had those accounts. My info was most likely compromised. I want XXXX  to remove them immediately as they are hurting my credit score. They are not contributing with sending proofs of signatures, and will get an attorney to further proceed if they do not do so.
Consumer complaint received 2018-10-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NC)

I was struggling in my youth and forced to allow my student loan to go into default status. One day I received a phone call that allowed me to get my loan out of default status with income base repayment options. I was told that all the fee 's would be removed from my account upon completion of the payment agreement.

**First Issue** However, after my loan became in active status, I noticed that I was being charged all the interest which had accrued from the time my loan defaulted to present. I have payed on my interest for several years and it was all going towards back interest from within that period.

**Second Issue** I have made at least three request for an unofficial ammortization schedule for peace of mind. I needed to understand how this institution were able to determine my payment amount when all my payments were being applied towards back interest. This financial institution ( XXXX ) denied every single request to provide me with a letter of ammortization for the loan. 

**Third Issue** After reviewing my account today I noticed that all the interest previously on my account has now been capitalized and applied as principal on the loan.I thought that legally interest had to remain seperate in order to prevent interest accruing over interest. Especially since I have made all my payments as scheduled according to the lenders terms. 

**Conclusion** I believe that XXXX needs to be investigated for attempts on misapplying my student loan repayment and the initial loan documents/terms needs to be evaluated.
Consumer complaint received 2019-02-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

nationstar dba mr. cooper has declined doing a hardship medical modification because we had one for same reason 12 months ago. they have been very uncoperatuve. dealing only with a call center person XXXX XXXX who says a lot of people have medicll issues. this mortgage is my wifes name she is recovering trying to from XXXX XXXX  I am her husband of XXXX yrs XXXX  vet and getting treated after you have paid mortgage for over 15 years. is wrong I had to quit work to take care of wife the judge state flordia said that was great. I need someone to contact natonstat you ony can fax these people you canot call. please help us wife in dr. XXXX hospital now.i
Consumer complaint received 2022-03-29
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Hello, I have been disputing this incorrect information on my credit profile for a certain account and they are not removing it. It has hindered me from ownership and At this point, I'm seeking damages. Below I will have the letter I sent to all the credit reporting agencies and they failed to delete this inaccurate and misleading information from my consumer report, and it's not FAIR! THE REPORTING OF THIS ACCOUNT IS AGAINST YOU'LL LAWS AND RULES OF REPORTING ACCURATELY! 
-The Date Open is listed inaccurately - The Date of the last Activity is incorrect across the board.

-The Date of Last payment How can this be reported accurately? if on every reporting agency it shows different dates and misleading information. I've been reporting this for months and months. 

I'm tired of this, CFPB I need this removed its hindering me! 
Experian send back this same generated letter that they following the rules, and their investigation is Verified? HOW IS THAT? IF EVERYTHING IS DIFFERENT ACROSS THE BOARD? 

XXXX and XXXX never send responses. or if they do they send a stalling letter instead of actual results. I NEED THIS DELETED.
Consumer complaint received 2021-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lendmark Financial Services (VA)

This account has been written off and I am being garnished toll this trying time we have here with covid. XXXX, XXXX, XXXX, and XXXX have been garnishing my pay and I have never done business with this law office. Not only i can not afford a garnish, how is this legal to take frome? Continuously ripping me off!!!
Consumer complaint received 2021-05-24
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: Southwest Credit Systems, L.P. (CA)

I had cable T V service with XXXX XXXX XXXX years XXXX XXXX. I was issued 1 cable box and 1 remote. 
In XXXX I terminated my service and physically returned all equiptment to an in-person location. And paid my final bill which I believe was {$120.00}. 
I never resumed any service nor receive any bills until XXXX. 
In XXXX I received a bill I believe from XXXX XXXX demanding XXXX. Although I did not owe money, I paid, in hopes of avoiding this current situation. 
In XX/XX/XXXX I received a bill from Southwest Credit Systems demanding {$1100.00} on behalf of XXXX XXXX XXXX. 
XXXX XXXX went out of business in XXXX, 9 years ago and now operates as XXXX. I called a representative to explain and request a resolution. She could not verify specific details about the account she said because the account was so old and XXXX XXXX did not release clear verifiable records when XXXX took over. 
In the interim this account was also transferred as a collection through XXXX XXXX XXXX which I was able to get dismissed. 
XXXX XXXX XXXX is selling accounts to collection agencies with zero regard to how this adversely affects prior customers. 
Recap of facts : 1. I had XXXX XXXX XXXX XXXX 2. XXXX paid in full returned all equiptment and never heard from them 3. XXXX XXXX  purchases XXXX Cable 4.In XX/XX/XXXXTEN years after I terminated my service, I get a bill for XXXX which I pay, simply to avoid damage to my payment record.When I spoke to the XXXX representative she acknowledged payment. 
5.XXXX XXXX 13 years after my final service I get a bill for {$1100.00} This is extortion. I do not owe money and additionally. I had service 13 years ago. XXXX XXXX XXXX can not exhort money from me for an account they could not verify and is 13 years old. 
Please help me. I called Southwest credit and they are demanding {$1100.00}. 
XXXX  says it's they can not verify the records because they do not have full information and the account has been sold. This has been reported to XXXX  as well. XXXX  removed the charge when the account was sold to XXXX XXXX XXXX. 
The statute for negative reporting is 7 years. This is a 13 year old account, which is being sold and resold to various agencies, this can not be legal.
Consumer complaint received 2017-09-15
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: EQUIFAX, INC. (FL)

Please Help me. This item has been repeatedly submitted to the credit reporting agencies. I have given them proof of the item being paid in full. In speaking with the original collection. agency, they said the paid in full update was submitted to the credit reporting agencies at least 4 times and this collection has remained incorrect for over 2 months. I do n't want to take legal action yet. I do n't know how these credit reporting agencies could have verified the accuracy of the account when the collection agency has repeatedly updated it.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be updated and corrected as soon as possible : 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 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
Consumer complaint received 2021-06-28
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: Bread Financial Holdings, Inc. (FL)

I checked both my XXXX and XXXX reports and noticed a significant decline in my fico. I checked the details to see a comenity bank / Victoria secret account that does not belong to me reporting late. That account is not mine and I have no responsibility for it. The account owner, XXXX XXXX, removed me as authorized user in XXXX. He has been incarcerated since XX/XX/XXXX and the card is being used fraudulently by other individuals.
Consumer complaint received 2021-08-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (TN)

I applied for a mortgage, submitted all requested documents and 2 weeks before closing, new documents were being requested and I was being asked to put a significantly larger down payment. 

Lender refused to accept my XXXX payments because I could not prove that the payments would counting for 3 years. I was not asked to prove that my wage income was going to continue for 3 years and I believe I was discriminated against due to my XXXX  and XXXX
Consumer complaint received 2021-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I bought at home at XXXX XXXX XXXX in XXXX, MA in XXXX. We have sold it and must close on XX/XX/XXXX. The Buyer 's attorney found TWO mortgages of record that were never discharged from BEFORE our purchase. One was XXXX, recorded XXXX XXXX XXXX XXXX XXXX XXXX page XXXX. Mortgagors are XXXX XXXX and XXXX XXXX XXXX. Dated XX/XX/XXXX in the original amount of {$56000.00}. The second is XXXX in the amount of {$250000.00} dated XX/XX/XXXX and recorded at XXXX XXXX XXXX XXXX page XXXX. The Mortgagors are again XXXX and XXXX XXXX. 

Bank of America took over these banks according to the FDIC. My complaint is that I CAN NOT get a phone number to contact at Bank of America to get the mortgage discharged. EVERY customer service phone number goes the same way. The computer asks for your account number or SS #. If you have no account it demands your SS #. Then it directs me to my credit card balance and hangs up. I went to the only local open Bank of America on XXXX XXXX in XXXX, MA and told my problem to a mortgage officer there. I was given a number to call and assured it would work. " Just keep pushing XXXX if it asks you for information. '' I did as told..it kept asking for my account number, then hung up after telling me to call back after I had the account number. Their web sites are useless. I AM GOING TO LOOSE MY SALE!!! 
PLEASE HELP, there is no number that I can find to call. 

Under Massachusetts law they MUST provide a discharge when asked, but you can't ask them!!
Consumer complaint received 2021-06-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On XX/XX/2021 I'm in the middle of making a home purchased when I had my credit report pulled & noticed that there was a collection account from XXXX  XXXX under ( PORTFOLIO RECOVERY ASSOCIATES below details ) i called the collection company on file and was told I owe {$1000.00} ( usd ) & that if I don't pay they will proceed to sue me & ruined my credit I advised the rep that this is not me and there is an error after much back & forth i notice the call was going nowhere so I decided to reach XXXX  XXXX and advised them about the matter they proceed to take me trough the step to getting this corrected I have never had a passed XXXX  XXXX account only my current XXXX XXXX  card that is in excellent standing. i have never left a debit unpaid or missed a payment in non if my loans or credit cards. 

Also I have an open claim with XXXX  XXXX # XXXX CASE ) I have done the same with XXXX. 


PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX
Consumer complaint received 2019-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Hi this is XXXX XXXX i disputed a transaction on capital one and they re billed it cause i never received there request of more proves so i had to call them and re open the case they request a pic of the phone and etc .... so i provided them with all they requested and they never follow up with me i had had to call and last time on XX/XX/XXXX after many times of uploding the information they requested and adjusting what they asked me to do i called on XX/XX/XXXXand the supervisor said this all what we need u have a strong case, and they never follow up with me i have to call every time and waste like at least 40 min, anways they ended up not disputing the transaction they said I did provide them with the all informTion, which i sent exactly whAt the request and everytime they say i should have sent diff documents, yesterday i spent 2 hours and all what they said unfortunately we can do nothing!!! After wasting my time between calling them on the phone and going to another merchant to get another opinion regarding my case, they said I didnt provide them what With information they needed, i asked them i need to see the third party decision which is master card they refused to send me which i believe they never sent the case to be reviewed by master card, and u told them i can go again and provide u with the statement with a letter head from the merchant they refused to open my case 0 customer service they did care about wasting my time for nothing!!!!!!!!! why they didnt tell me from day what they needed exactly!? And why they confirmed that they got all what they needed whenever i called them!!!!
Consumer complaint received 2019-11-09
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 (CA)

XX/XX/XXXX a withdrawal from my account for XXXX XX/XX/XXXX a withdrawal from my account in XXXX XX/XX/XXXX a withdrawal for XXXX I called Bank of America on XX/XX/XXXX when I logged into my account and saw that they said my account was on hold for suspicious activities. I looked and there were a bunch of transaction that I did not do. They are from XXXX and XXXX. I have not bought anything or been to those places. I filed a request for a claim they did not grant it. The bank said I must know the person and I authorized them. That is not true at all. I dont know if the bank is trying to steal my money but I did not do that. I didnt receive any notification or anything they just let these people steal my money. I need my mo eye back I am on a fixed income. Please help me I dont know what to do
Consumer complaint received 2017-12-30
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: Acceptance Rentals, Inc. (GA)

Acceptance Rentals, Inc. of XXXX, GA has failed to report a paid off day furniture account to XXXX Credit Bureau even though theyve confirmed through email that its reported.
Consumer complaint received 2017-07-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Big Picture Loans, LLC (MN)

this loan company is sending me preapproved loan offers to an address where i do not live at and is not my mailing address. i am getting in trouble by the home owner of that address because of this. i 've never applied for a loan with company. i 've never put this address down as my address. so i do n't know where this loan company is getting their information from.