davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-27
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)

To be clear this is a process issue with Equifax. I note it here because I wish others and this bureau to take note. When people move and update their address, Equifax will show addresses that are Not current as such. For instance, I moved ( had a difficult time correcting data - bureau website is not user friendly ) but when Equifax reviews old addresses they will place a date Reported of XX/XX/2020 ; Yes it does say previous address too however, just by reflecting that the Reported date of XX/XX/2020 is there shows that it is current. Specifically, I left the previous location XX/XX/2020 thus this is Incorrect - making it Appear that I have both. This type of reporting caused issues a few years ago too ( of which I kept the documentation )
Consumer complaint received 2020-09-13
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

On XX/XX/2019, Portfolio Recovery add a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/ sold and I am no longer responsible for this account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Portfolio Recovery has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2018-07-11
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (CO)

Ally is saying that my XXXX payment was 30 days past due in XX/XX/XXXX. My payment was not past due. I made what they call an " extension '' to change my due date. The rep told me to pay {$990.00} on XX/XX/XXXX and that my account would be considered current and my next payment would be due on my requested due date, XX/XX/XXXX. Apparently due to some 'error correction '' on their part, my payment was not posted to their system until XX/XX/XXXX. I made the payment on the XXXX and it posted to my bank on the XXXX. They know this and it shows this on my payment history on their online portal, but they refuse to fix it saying that I have been late in the past. I am not asking them to change any payments that were actually 30 days late last year. I am asking them to correctly report that XX/XX/XXXX payment was not 30 days late, because it was not.
Consumer complaint received 2018-07-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: National Default Servicing Corporation (CA)

I submitted an application to XXXX on XX/XX/2018 regarding assistance with the foreclosure on my home. I confirmed with the lender on XX/XX/2018 my application was received and they requested a hardship letter which I sent in. When calling XXXX today, XX/XX/2018, I was told the documents are received however they can not postpone the trustee sale because the attorneys will not postpone it if documents are not received at least 14 days before the sale date. No one ever told me this information when I spoke with XXXX and they told me to submit the documents which I did. Now, 2 days before my sale date I am told " too bad, too late ''. I called the trustee and they are telling me the sale is active and that the lender is the one who authorizes the postponement, so now I am being told different stories and even more stressed out. XXXX has my application, they should be aware of the HBOR laws and postpone the foreclosure sale while I am in an active loan modification review. I have been been assigned a single point of contact and they have never reached out to me, which are violations of the HBOR set in place for homeowners like myself!
Consumer complaint received 2020-06-27
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Professional Debt Mediation, Inc. (GA)

Professional Debt Mediation Inc contacted me a second time after i sent them an official letter to case all contact and that I am not responsible for this debt as i was XXXX at the time this debt had taken place. I also informed them I am on SSI and they can not collect any debt from me anyway. They also sent me a list of other peoples personal medical information which is also a violation of others personal rights.
Consumer complaint received 2020-03-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cypress Financial Recoveries, L.L.C., OCALA, FL Branch (AL)

I made a debt settlement with Cypress Finical Recoveries with our layer XXXX XXXX in XXXX al for XXXX for so many months. They kept switching lawyers on us while we were making payments. 
The Debt settlement was made in full. 

XXXX county Al circuit court case XXXX. 

Now they are trying to do a garnishment of my check. Debt was paid in full Plus more.
Consumer complaint received 2018-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

There are two separate accounts with two different balances noted on all of my credit reports for XXXX/XXXX. However these are one loan, not two.

Since XX/XX/XXXXI have attempted to have the Credit Bureau 's and the Debtor correct my credit report. I contacted XXXX directly to have them correct the issue starting in XX/XX/XXXX. They directed me to contact the Credit Bureaus to dispute the charge and said they would correct the issue through the dispute. This has not happened.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. According to FCRA Section 605, I demand that you remove these items from my credit report due to these items being inaccurate and not corrected within 30 days.

Sincerely, XXXX XXXX
Consumer complaint received 2018-07-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: VanKeef Financial LLC (HI)

XX/XX/XXXX XX/XX/2018. Mortgage Vankeef Financial LLC. XXXX XXXX. 
We have requested that Vankeef Financial reimburse our appraisal fee, which they authorized. We had questioned them about paying an appraisal fee twice. The first time they assured us that the loan was approved and need to move forward with appraisal. It was not approved. They claim they needed more employment history from spouse.Who has been working for the Dept. Of DOE for approximately 6 years. They stalled our loan process and requested to order another appraisal. I informed them to make sure the loan was indeed secured. He assured again. I then asked him again ( Rep ) to make sure it was approved. They said it was. We ordered it and paid over {$700.00}. They appraisal value came at more than what Vankeef Finaincial anticipated. Good right? Wrong. They said that they could not confirm spouses employment and that the HR was not returning their calls. 

We told them, we initially we provided them with spouse XXXX, check stubs and tax returns. Why is that not confirmation enough to get the Loan? When another ( prior ) Mortgage Co approved our application, but had a higher interest and closing cost rate. 

We asked Vankeef Financial for full reimbursement of our Appraisal fee, because they ordered it, but was denied and said '' Because the appraisal fee ( they ordered us to pay ) was paid to the Appraisal Company, unfortunately we can not reimburse your appraisal '' ... ... .. We have filed complaints with various agencies and the XXXX
Consumer complaint received 2018-07-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (CA)

I submitted an application to Amerihome on XX/XX/2018 regarding assistance with the foreclosure on my home. I confirmed with the lender on XX/XX/2018 my application was received and they requested a hardship letter which I sent in. When calling Amerihome today, XX/XX/2018, I was told the documents are received however they can not postpone the trustee sale because the attorneys will not postpone it if documents are not received at least 14 days before the sale date. No one ever told me this information when I spoke with Amerihome and they told me to submit the documents which I did. Now, 2 days before my sale date I am told " too bad, too late ''. I called the trustee and they are telling me the sale is active and that the lender is the one who authorizes the postponement, so now I am being told different stories and even more stressed out. 
Amerihome has my application, they should be aware of the HBOR laws and postpone the foreclosure sale while I am in an active loan modification review. I have been been assigned a single point of contact and they have never reached out to me, which are violations of the HBOR set in place for homeowners like myself!
Consumer complaint received 2022-04-05
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. (MS)

in accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2020 RESIDENT VERIFY/Inquired on XX/XX/2020, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I XXXX XXXX XXXX DID NOT GIVE XXXX, XXXX, EQUIFAX ANY WRITTING INSTRUCTION.
Consumer complaint received 2018-07-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (CA)

From what I was told by the " escalation department rep '', XXXX is the " administrative and secretarial assistant '' for Great Lakes Guarantor. After repaying my loan in full in XX/XX/2018, XXXX continued wage garnishment for 3 consecutive pay periods. They finally sent a letter to my employer to stop garnishment two weeks ( another pay period ) after I called. When it comes to getting any question answered regarding the status of my account, or when I might be receiving reimbursement, the answers are generic and scripted. " The account is closed. The accounting department doesn't have a contact number and is behind. We have no other information on your account. '' After over 30 min speaking to both reps, I was given the number to Great Lakes. Mind you, the second rep, " XXXX '' kept cutting me off with " We don't have information on your account ''. Poor customer service, rude and unhelpful. I ended the conversation with XXXX, letting him know that if Great Lakes was who I should speak with, he could've saved us both time by redirecting me there 15 min. prior.
Consumer complaint received 2023-01-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on 01/13/23, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXXXXXX Balance : {$29.00} XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00}
Consumer complaint received 2020-06-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/2020, my bank account was compromised. Three unauthorized payments of {$380.00}, {$320.00}, {$300.00} totaling {$1000.00} were sent using XXXX transfer without my consent before midnight to a person that I do not know named XXXX. While the payments were in processing I tried to call Bank of America 's fraud department to stop the payments but the department was closed and I had to wait the next day which is XX/XX/XXXX. I called the next day and they said that the transactions were completed and could not be reversed. I opened a dispute for the fraud claim for these unauthorized payments. The claim number ID number is XXXX. Bank of America also closed/froze my current bank account and then I had opened a new account with them. I waited 10 business days for the fraud investigation and they denied my dispute saying that the payment was authorized but I did not authorize these payments and am a victim of fraud. 
I have been a customer with Bank of America for 10 years and have never encountered this type of incident before and they could not even offer any protection. I have asked to have my dispute reopened and I am providing a police report to help back up my claim. I am not sure what are the next steps of action to take in order to get the money back especially during this time of hardship during the coronavirus I can't afford to lose this amount of money.
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Involving docket # XXXX reported with all 3 bureaus : Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN and/or DOB in order for it to appear on your credit file. The credit bureaus have not updated or removed the info, even after i verified the courts do not report information to credit bureaus. Per the new law the bankruptcy listed does not include this information and should be deleted from my credit report.
Consumer complaint received 2018-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX is reporting an account in the amount of XXXX to credit bureaus. The account was charged off in XX/XX/XXXX with a balance of {$13000.00}. The vehicle was sold for XXXX. The cost of repossession was approximately {$1100.00}. The company starting charging interest on the account after it was charged off and closed with out sending me any detailed statements about the interest. The company reported this account in XX/XX/XXXX with an amount of {$9100.00}. They kept charging interest until XX/XX/XXXX when the amount reached {$10000.00}.
Consumer complaint received 2018-07-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Information Bureau, Inc. (FL)

I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
Consumer complaint received 2018-07-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Great Lakes Capital Management, LLC (CA)

I got a message from someone claiming to be a process server. He told me that he has papers in my name and social security number to serve me and that he would be serving me papers at my home or place of employment. He left a toll free number to call back with a case number to reference. I call back and they say they are mediators calling on behalf of XXXX XXXX for a debt that is at least ten years old. A man named XXXX XXXX says say that if I arrange payment that day XXXX XXXX would no longer sue me. They say they are a company called alternative dispute resolution and offer mediation services. They say that if I don't pay on the phone I will be served papers and have to appear in court and will owe 4 times the amount if they take it to court. He told me that XXXX XXXX wins 97 % of cases. He scares me into making a payment plan which I immediately cancelled after I got legal advice. They sent me an email afterwards and the email was not from the mediation company they claimed to be from. It turned out to be from GL Capital Management Company. Never once did they say this was an attempt to collect the debt or send me notifications. He also bullied me by telling me the statute of limitations was not over because they sent me a letter in 2015 ( which I never acknowledged ). He harassed me and threatened to call my employment.
Consumer complaint received 2017-08-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation (TX)

Deville Assets Management is currently reporting on a debt, in the amount of {$8900.00}, to the credit bureaus. This is inaccurate. The debt has been verified and it belongs to XXXX XXXX. Deville Asset Management does not own the debt. I have a contract with XXXX  and not Deville Assets Management.
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

XXXX, XXXX and Equifax have continued to report information on my credit report, even though information has been sent to the agency that shows that judgement and ownership of accounts have been dismissed by a court. Additionally, all three credit bureaus have found ways to deter consumers from appropriately disputing items on their website. 1. I have attempted to file a dispute on their website for accounts with XXXX, XXXX XXXX and XXXX XXXX XXXX. 2. When utilizing the online site for each credit bureau they presumably give you access to your " free credit report '' to dispute the charges. After going through the ropes of filling out the information which primarily is listed as not having any knowledge of the account and that I would like the credit bureaus to investigate and have each of these companies to adhere to the Fair Credit Reporting Act and verify all information, including but not limited to the open date the last payment date and a signature card or paperwork that would verify me as the account holder. 3 Once I completed this process, each reporting agency then funnels you to a section of their site where you MUST attach supporting documentation. In my case there is no supporting documentation because I have never known of these accounts let alone have any reasonable documentation that would assist in their investigation. 4. If a consumer is asking for a debt to be verified with specific documentation which would prove ownership, why would the bureaus requiere documents with this request. If I have no knowledge of an account and was never notified again, why would i have something to upload. 5. Therefore, the credit bureas would not let me submit the dispute and moreover they have prevented me from accessing the site again to file the dispute with a report number ( which was never generated ), since the site recognizes that I have already pulled my report and does not allow me to dispute my issues utilizing this service. 6. Attached you will also find documentation as it relates to a judgement listed on my XXXX, XXXX and Equifax credit report from XXXX XXXX County Court on behalf of XXXX XXXX. I have confirmed through XXXX via the CFPB data base that this information should not be reported and I want this along with all negative information that can not be verified to be removed immediately. 7. Additionally, I have also included information from The XXXX XXXX County Court where the XXXX account collection has been dismissed due to lack of proof of ownership.
Consumer complaint received 2021-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Equifax is once again reporting false information. I keep having this dispute with them. They are now reporting that my balance on my XXXX XXXX account is {$440.00} despite knowing this information is incorrect. I dont know why its legal for them to knowingly report false information, They keep doing this. It is abundantly clear from the letter I received from the Collections company that was collecting this debt that I only owe {$350.00}. Equifax reported correct yesterday now in retaliation for me filing a complaint against them they are once again reporting false information. I am so tired of dealing with this. I am getting ready to pursue legal action against them. Read the letter from XXXX XXXX. They show a balance of {$350.00}. XXXX Equifax them selves showed a balance of {$350.00} today they show a balance of {$440.00} ( see screen shot. ) They know this balance is incorrect yet they allow it to be posted anyway.
Consumer complaint received 2020-06-27
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. (GA)

These accounts DO NOT BELONG TO ME!!! 

XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$460.00} XXXX/XXXX  Opened XX/XX/XXXX Balance {$1400.00} XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$0.00} XXXX/XXXX  Opened XX/XX/XXXX Balance {$500.00} XXXX  XXXX Opened XX/XX/XXXX Balance {$700.00} XXXX XXXX Opened XX/XX/XXXX Balance {$1300.00} XXXX XXXX Opened XX/XX/XXXX Balance {$680.00} XXXX XXXX XXXX XX/XX/XXXX Balance {$830.00} XXXX XX/XX/XXXX Balance {$400.00}
Consumer complaint received 2018-07-11
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. (IL)

Complaint submitted on XX/XX/XXXX to Transunion, XXXX, and XXXX. The have not deleted any incorrect information. The things reported in XX/XX/XXXX are still on the credit report this is XX/XX/XXXX ,11years. The statue of limitations is 7 years. Inaccurate information should have been removed 3 years ago.