davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AL)

1. XXXX. XXXX. I cancelled their service because it was bad. I returned the receiver via XXXX and now there is a {$470.00} or more charge. 
I need it to come off because it has dropped my credit score.
Consumer complaint received 2022-02-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: UMPQUA HOLDINGS CORPORATION (IL)

On XX/XX/2020 I signed an agreement for a vehicle loan. Disbursement amount was {$55000.00}. I have been paying this loan until this month when I reached out to the Financial Pacific Leasing to get a payoff amount. I was sent a paperwork stating that I owe {$56000.00}. So, {$1000.00} over the amount that was lent to me 20 months ago. I have never missed a payment since it's auto debited. I reached out to the broker and the finance company requesting an explanation to this matter but they will not give me any information whatsoever. No disclosures were given to the rate or whatsoever. I have attached the initial contract and payoff letter. The broker that took my application and provided the paperwork is XXXX at XXXX XXXX. The financing bank is XXXX XXXX XXXX out of Washington XXXX Please help! 

XXXX  XXXX XXXX XXXX
Consumer complaint received 2017-02-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC (CA)

Calvary Portfolio is continuing to reporting an account which was paid & supposed to be removed..They claim it was settled but when I discussed the paying the account they said it would be deleted. The rep said it was called a paid for delete. I 'd like this item removed per the agreement ... They are not honoring the agreement & it is impacting my ability to get a loan ... I need it removed at once ... Additionally, I was informed they would be sending me a letter but I still have not received anything ... I think this is some form of bait & switch ... The account is damaging my credit. Please remove it
Consumer complaint received 2015-07-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NY)

Equifax is reporting incorrect information on my report as follows : XXXX XXXX acct number XXXX acct is reporting incorrect the acct is CLOSED and has no date that it was closedThe acct has a date of XXXX for Date of first major delinquency that is completely falseXXXX acct XXXX this account is CLOSED and has no date
Consumer complaint received 2023-03-28
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: Experian Information Solutions Inc. (OK)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX  # XXXX, has violated my rights. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-11
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: Cornerstone Home Lending Inc. (OK)

I was working with a mortgage company named, Cornerstone Lending. That company did not obtain my authorization to run my credit again on XXXX and XX/XX/XXXX, far outside of the initial 30 day period of our mortgage application. Because it was outside of that 30 days these 2 credit pulls very negatively impacted our credit scores by more than 40 points. I tried requesting that they politely remove these inquiries. At first, they agreed to. Then they changed their minds and refused to. They have only spoken with my wife over the last month and have never spoken to me. Not once. I have proof that it was their inquiries that destroyed my scores by way of my membership to XXXX and the subsequent alerts that come with that subscription. The company has written back and claimed that their score " simulator '' is more accurate and that the inquiries are shown to be inconsequential. They have also stated that my permission is implied through the application I filled out online on XX/XX/XXXX but I never saw or read anything about MULTIPLE HARD INQUIRIES more than 30 days apart. I've been through the home buying process before and I know what is entailed and I've never seen a company do anything like this before. They have put my wife on the verge of a nervous breakdown. All for a pre-qualification that we never even got. And now we are left with credit scores so bad we can't even qualify for a rental for another 3 months and they REFUSE to correct their mistake.
Consumer complaint received 2023-03-28
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. (VA)

In accordance with the fair credit report act XXXX  account # XXXXand any inquiries on my credit report is in violation of my rights. 15 USC 1681 section 602 a. States I have the right to privacy.plus 15 USC 1681 section 604 a.states a consumer reporting agency CAN'T FURNISH A ACCOUNT WITH OUT MY PERMISSION
Consumer complaint received 2016-05-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Monterey Financial Services LLC (CA)

I received a letter saying that Monterey Collections has been referred for collection on the unpaid insurance portion of treatment from XXXX, XXXX. Unless I notify their office within 30 days of receiving the notice to dispute the validity of the debt then they will assume the debt is valid. All payments is supposed to be sent to Monterey Collections, XXXX. XXXX XXXX, XXXX, CA, XXXX. Clearly a fraudelant scam as I have never done business with either entity. Monterey Collections is associated with Monterey Financials.
Consumer complaint received 2024-01-25
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. (NJ)

NOTICE OF VIOLATION OF 15 U.S. Code 1681c2 - Block of information resulting from identity theft. As Identity Theft, involves the misuse of another person 's financial and personal information ; In XXXX  2023, I filed an online Identity Theft report with the Federal Trade Commission and a copy of the same report was forwarded to XXXX XXXX, XXXX, and Experian. In addition I provided proof of my identity and I requested an extended fraud alert. The credit reporting agencies mailed me proof that they received the request for an extended fraud alert but they never placed it. As a result, I called XXXX XXXX and a temporary fraud alert was placed on my XXXX XXXX file and this temporary fraud alert was then placed with XXXX and Experian. However the credit reporting agencies intentionally violated 15 U.S. Code 1681c2 - Block of information resulting from identity theft as shown below and this complaint along with the other complaints and correspondence will be entered as evidence into the Court. When I alleged that certain accounts on my credit report were being reported without my consent and that there were no contracts to substantitate a debt then these accounts should have been blocked in accordance with 15 USC 1681c-2.

( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

( 2 ) Notification to consumer If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.

( 3 ) Significance of block For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.
Consumer complaint received 2016-02-26
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have repeatedly advised Trans Union that the following requests for my credit were not authorized. They refused to remove the fraudulent inquiries and they continue handing out my credit report without proper authorization. 
XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/2015 XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/2015 Furthermore, I do not have a XXXX loan. The went through some kind of acquisition and/or company split and they are reporting an account late incorrectly. My account was paid off years ago and was never late. It was constantly in an in school deferment. Transunion refuses to fix the error.
Consumer complaint received 2015-09-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Transunion keeps deleting and reinserting a charge off account from XXXX ( XXXX ). This needs to stop. This account is old and past the statute of limitations so why now is it being reinserted. Transunion needs to be held accountable for providing accurate credit reports. This is extremely damaging to my credit score. I have retained an attorney and if this account in not removed permanently I will be forced to pursue legal action against transunion and XXXX.
Consumer complaint received 2021-01-26
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. (VA)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2021-01-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (TX)

A man named something that sounds like " XXXX XXXX '' has called me everyday twice a day since XX/XX/2020, leaving a message every 24 hours stating that he is representing XXXX XXXX on a debt not owed. He provides Reference # XXXX and a return phone number XXXX. Each time he calls, a different phone number is used to make the call appear local, but I can tell by his accent that he is calling from somewhere in the XXXX XXXX. In every voicemail he states " I am calling from XXXX XXXX, '' but the return call phone number is registered under Southwest Credit Systems. He has used all of the following phone numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I have retained all of the voicemail messages. Under the FCRA and the FDCPA please immediately cease and desist all further attempts to collect this debt not owed to Southwest Credit Systems and especially not Southwest Credit Systems using contractors in the XXXX XXXX to pose as employees of XXXX XXXX.
Consumer complaint received 2015-05-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is an account that is reporting on my credit report. The account is XXXX XXXX. I have disputed this account several times because this account is not mine. I have called XXXX XXXX and requested in writing a copy of my original account and did not receive it. I spoke with XXXX Account Manager, XXXX XXXX and he admitted on a recorded call ( the call took place between XXXX on XXXX XXXX, XX/XX/2015 ) that they did not have any paperwork regarding my original account and they could not provide it to me. 
If I was able to find out this information by a phone call, the credit bureaus should have been able to retrieve this information and take the appropriate steps to remove this account ( which shows a duplicate ) from my credit report. They did not and did not thoroughly investigate, when they held themselves that they did.
Consumer complaint received 2020-10-18
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. (FL)

PLEASE SEE ATTACHMENTS. EACH TIME I SUBMIT A COMPLAINT, EXPERIAN REFUSES TO INVESTIGATE THE DEPT OF EDUCATION/XXXX   ACCOUNT BY SUGGESTING THAT I AM NOT SUBMITTING THE COMPLAINT ON MY BEHALF. I HAVE SUBMIT COPIES OF MY DRIVER LICENSE, PROOF THAT MY INFORMATION HAS BEEN COMPROMISED ON THE DARK/BLACK WEB, ETC AND STILL NO INVESTIGATION. I HAVE COMPLIED ALL OF THIS DATA AND WILL ALSO BE SUBMITTING IT TO THE STATE ATTORNEYS OFFICE FOR FURTHER INVESTIGATION. 

Additionally, EXPERIAN reported that " The Company that reported the information has certified to XXXX  that the information is accurate. The item was not changed as a result of our processing of your dispute but when I request proof of the verification/certification  method, EXPERIAN conveniently fails to comply. 

Per FCRA regulations, please delete these accounts immediately!
Consumer complaint received 2016-05-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (UT)

Our loan was sold to loancare, so we did not choose them to finance our loan. With a recent situation, as well as many interactions with this company, I am very concerned with the service and internal controls within loan care. I 'm in high management at a student loan company, and would be mortified if my employees handled calls and situations as they did. Back in XXXX, we began paying every two weeks. We were told this was okay. Then we came to find out after a couple months that we can not split the payment, and have it count as our monthly payment. We found this out when we were due a double payment one month. We spoke to an agent about this, and he said he could re apply the payments that showed to principle to count as the payment. We advised that from here on out we would make the full payment which we did. Months later, we then received a delinquent notice, and so we called. I was on hold for almost an hour till someone came on. I explained to the agent the situation, and she was not helpful, stating she was n't sure why it was n't done. I asked for a supervisor, and was transferred to a voicemail. I called again, and after an hour an agent picked up and disconnected. I was in shock of the customer service I was recieving. The last conversation my husband had with a supervisor is that even though we were told it would be re applied we should not have split the payments. We were reported to the credit beruea by this company although our payments were made. They did not fulfil on their end re applying the payment. I 'm concerned that we first would be told this would be re applied, that it never happened, and then future encounters there is no one taking responsibility. On top of this, as a customer I do not feel taken care of. It should n't be so hard to get in contact with your mortgage company because the hold times are so long. Then on top of that, recieving the poor service when you do speak to someone. I have never had issues with my credit, and because of Loancares poor business practices, I now have a mark. After researching and reading other reviews, I 'm not sure how this company is allowed to be in business.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I notified SPS Inc. XXXX XXXX that I want verification of the debt they state I owe by providing the following : - ( actual accounting of mortgage loan debt ) from date of origination of loan to current date -verification of the claim against me ( an invoice signed by the mortgage bank ) -a copy of the original contract binding both parties ( XXXX XXXX XXXX and mortgage bank lender ) -signed contract stating I agreed to pay what they state I owe - how this amount has been calculated in a way that I can understand -full disclosure statement that was provided when loan was originated which outlines -equal consideration and lawful terms and conditions SPS provided the name of XXXX XXXX XXXX XXXX XXXX  XXXX as the owner of mortgage. SPS, Inc has not provided all of the information I requested regarding this debt. This company continues to report this information on my credit report without providing its validity after I informed them in writing that I dispute this debt. They are in violation of Fair Debt Collection Practices Act 15 USC 1692 ( a-p ).
Consumer complaint received 2016-09-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION (NY)

I opened an account with Simple ( https : //bank.simple.com ) on or around XXXX XXXX 2016. I subsequently deposited a check for a sum of over a {$1000.00} afterwards. I was notified that it took some time for checks to clear or for accounts to be verified. I tried to use a debit card that was issued to me in XXXX on around XXXX XXXX. The card was declined. I contacted Simple and received this message " Thanks for writing in! It looks like we 're just in the process of verifying the account, so hang tight! 
We will be reaching out with any updates or new information in the form of a support message. '' I was about to use the card today ( XXXX/XXXX/16 ) but wanted to save myself the embarrassment of having the card declined again especially since Simple had not gotten back to me with an update in 3 weeks. When I spoke to a customer representative at Simple. I was told once again that they will still in the process of " verifying my account '' and that no further information could be provided even after escalation. I then requested during a subsequent call that they close my account and send me my deposited funds. The customer service rep then said that while an account is being verified that they could not initiate a closure account process. Furthermore Simple then blocked my debit card over the course of these calls. Mind you I have not been able to use the card since the account was opened.I find the behaviour of this " bank '' very suspicious. They receive customer funds and have no process in place to transparently resolve issues such as mine. I no longer wish to do business with Simple and request a prompt return of my funds deposited with them.
Consumer complaint received 2022-02-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I sent a letter to Portfolio Recovery Associates on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, asking for the original contract between myself and the original creditor, where I agreed to the assignment of the debt ; with my ink signature. 

Portfolio Recovery has failed to provide me with the requested documents. 

However, it has been brought to my attention by my neighbor that Portfolio Recovery have tried to serve me papers with a processor to take me to court for alleged debt. Portfolio Recovery are using horrible/illegal tactics by disclosing to my neighbor of this alleged debt and I have video of this same processor opening my mailbox and going through my mail on XX/XX/XXXX.