davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-11
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. (CA)

I did set up my account on XX/XX/2020 as an automatics payment. They sent me a confirmation email. The reason why I didn't that is because I was traveling a lot for a camping site where I didn't have internet all the time. So in XXXX a got an email from XXXX saying that my credit decreased and that I had late payment. I got in chock. I have been control all my account for my passed 4 year because I'm looking to buy a house. And I haven't delay any payment. I do have money on my bank account so I didn't need to delay any payment. I tried to contact the XXXX XXXX and they told me that the account number I added to be the automatics payment were wrong. I asked them why they didn't call me, sent an email or mail telling me that the payment didn't went thru. They told wasn't they job to check on that. They stopped to sent email after the day I set up my account for XXXX. After all the conclusion that they couldn't help me I paid off my car and I don't want to have an account with them anymore in my life. But the 2 late payment in my credit report is blocking me to get a better mortgage. All my account are setting up automatic payment. The only one wasn't made my credit report bad.
Consumer complaint received 2019-03-13
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: Experian Information Solutions Inc. (MD)

I filed a chapter XXXX bankruptcy and included XXXX XXXX. The company refuses to acknowledge that they are filed in bankruptcy has added their information to my credit report again as well as on in my tenant records. The company can no longer dispute the Chapter XXXX because they did not file it with the trustee and the company has to stop putting the charge back on my credit report. They have told the credit bureau that my claim about the bankruptcy is not true but the credit bureau will need to contact the US Bankruptcy Court to see if the information is true and they have not done this, they only accepted what the car dealer has given them which is not true.
Consumer complaint received 2021-10-12
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: Bread Financial Holdings, Inc. (FL)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. COMENITYBANK/VICTORI was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The 3 Credit Bureaus are willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.
Consumer complaint received 2017-12-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of America Ltd. (CA)

In XXXX XXXX I received a notification from XXXX that an account was placed in collections. When I checked my credit report and saw XXXX XXXX XXXX XXXX, I immediately called them to inquire about the debt as I had not received anything in the mail and was not aware of it. When I spoke to their representative I was informed that the vendor was a XXXX XXXX and I tried to explain that I had spoken with XXXX XXXX several months earlier when I closed my account as I was going to move to a new address and no longer needed water delivery service. At that time I made a payment to XXXX but apparently, there was still a small amount due. I do n't remember the exact amount but I want to guess it was under {$80.00}. Again, I never received anything in the mail about this and the first I heard of this was through XXXX once it was already too late. I made a payment by phone to the collections rep and respectfully asked if this could be removed from my credit report as it negatively affected my credit score. The collection rep was very rude during this entire phone call and advised me that he was not sure if he could do that since he did not believe my story. I again expressed to him that this was not intentional on my part. I just checked my credit report again today and realized that this negative mark is still hurting my credit score. I would greatly appreciate it if this can be removed from my credit reports.
Consumer complaint received 2020-12-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC. (CA)

On XX/XX/2020, I was contacted by Account Executive from XXXX XXXX that works together with XXXX to refinance my mortgage. They promised to beat the rate we were offered by another entity and said that we are looking at 30-45 day escrow. We signed the agreement at 2.5 % without closing cost. 

Person from XXXX XXXX led us to believe that were on track and almost ready to close and advised not to pay our mortgage payment for XXXX. Luckily, I did not take his advice and made a payment before penalties kicked in and our credit scores was affected. 

On XX/XX/XXXX, they assured me that we are still moving forward and almost ready to close. 

On XX/XX/XXXX, they told me that management has reviewed the file and identified some pricing errors so now I have to pay 2.75 % instead of 2.5 % with no points. At that point, I simply agreed to it and instructed them to carry on with new rate. It's now XX/XX/XXXX, deal is nowhere near closing state unless I'm willing to take 2.75 % with closing cost being around XXXX. Those guys using bait and switch techniques to acquire new customer base, absolutely unacceptable at these day and age.
Consumer complaint received 2019-03-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

XXXX XXXX XXXX XXXX has failed to provide original documents with my signatures nor verification sheet disclosing information. XXXX is using the E-OSCAR not providing verification and missed the 30 day deadline provided in the verification sheet.
Consumer complaint received 2019-03-13
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. (FL)

XXXXXXXX XXXX sent letter outside the deadline period of the 30 days to providing the promissory notes from XXXX University original signatures. The letter is post dated On XX/XX/XXXX and only provides promissory note from XXXX XXXX.
Consumer complaint received 2019-03-13
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 sent letter outside the deadline period of the 30 days to providing the promissory notes from XXXX University original signatures. The letter is post dated On XX/XX/XXXX and only provides promissory note from XXXX  XXXX.
Consumer complaint received 2021-04-12
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. (GA)

To Whom It May Concern : I have recently been informed that there is negative information reported in the files you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. 

XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$7500.00} XXXX XXXX {$820.00} XXXX XXXX {$900.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$100.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation will follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (RI)

Equifax is been reporting XXXX XXXX XXXX account since XXXX. This account was proved of being a fraudulent account and was removed from my credit. Now in XXXX appear again in my XXXX credit file. I request this account to be removed from my XXXX file.
Consumer complaint received 2023-01-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Harmon Law Offices, P.C. (MA)

I was just approached by a person claiming to be the new owner of my home and days ago I received an Unsigned letter from XXXX XXXX Offices letter stating that XXXX XXXX is the new owner and is recorded in the Reg of Deeds XXXX XXXX, XXXX  as such on XXXX. This man just moments ago, came to my door and told me that it is his business and that I will be served next week. This claiming of my home of XXXX yrs being XXXX yrs old and XXXX is seriously making me ill especially with my XXXX XXXX. I am also asking the CFPB please forward this complaint in its entirety to the FBI, IRS, XXXX for possible racketeering whereas XXXX XXXX is also involved with this XXXX XXXX and the XXXX XXXX XXXX and etc.. I am concerned for my physical safety and my home being compromised by these criminals. Please frwd this complaint as I have requested to the parties mentioned above before my life and home is in danger. I need this matter to be investigated for many possible crimes possibly violating XXXX act of 2001?? Please see received letter from XXXX XXXX, XXXX  and business card for supposed new owner. There is a reason that this is changing hands days apart please investigate and forward this as I have requested to those agencies for investigations. I feel my life and home is in danger.
Consumer complaint received 2020-12-02
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

I applied for a checking account at Capital One and was declined based on information from XXXX XXXX XXXX. I spoke with XXXX at XXXX XXXX XXXX and she informed me that their address is : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX I have a perfect credit score, make XXXX, have no debt, use credit responsibly, and do not bounce checks -- EVER. I feel I've been targeted and discriminated against by this agency.
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

Since XXXX of 2018 I've been sending Equifax dispute letters. Disputing all inaccurate, misleading, erroneous, incomplete and old account that should not be there. But time and time again Equifax refuses to follow federal law. In accordance to FCRA rules. Although I've sent Equifax several certified mail asking them to either validate or remove all inaccurate, incomplete, old and misleading information from my credit report. They are still reporting these unverified account as accurate. Without any physical evidence or documents as required by federal law. Equifax is clearly in violation of the FCRA.
Consumer complaint received 2019-03-13
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: Early Warning Services, LLC (GA)

I have been denied several checking accounts due to information that I believe to be related to identity theft on this report. When I requested a copy of the report on XX/XX/2019 I was told that i did not pass the authentication with the operator even though I supplied them with an address that I have resided at for over 4 years. I was then told to go online to print out a request then mail it in and that from the time they receive it to give an additional 15 days to receive the report. Due to the sensitivity of this issue potentially being an identity theft issue I feel as though this matter should have been escalated to prevent any further harm being done to me.
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

On XX/XX/19, I sent a follow up letter to Equifax requesting they re-investigate the verification of a collections account with the company : XXXX/XXXX XXXX XXXX, in which they replied, explaining the account had been verified. In the follow up letter I requested the procedure in which they used to verify the accuracy of the reporting. I asked that they provide me with names, addresses, telephone numbers of each person contacted regarding this alleged account. As well as any documents bearing my signature, showing that I have a legally binding contractual obligation to pay them. I specifically noted that any automated response or XXXX verification would not be accepted. Equifax did not provide me with anything that I requested from their re-investigation. I'm asking that the fraudulent account be removed from my credit report immediately. 

Thank you for your attention in this matter.
Consumer complaint received 2023-02-24
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

On XXXX XX/XX/2023, I sold my car for XXXX and get {$16000.00} check from them. The banker of Bank of America cashed the check for me. After that, my bank app notice the fund would be available in 8 to 10 business days. So I kept waiting until the XXXX day ( XXXX ) when I open the BOA 's app on my phone, and all of my checking accounts are gone. BOA said they are in processing and closing my account because they " can not locate '' the {$16000.00} check. I went to XXXX, and XXXX pulled out a report saying that BOA received the fund. Again I came to BOA, and Fraud and Investigate Department refused to take the receipt and evidence of me and XXXX. BOA kept my {$16000.00} for no reason for more than 2 weeks and has no answer to what happened to my money.
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2019, AMEX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX XXXX XXXX, I add a hard inquiry on my credit report per XXXX.
Consumer complaint received 2021-02-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (FL)

I got a loan with Santander in 2015. I have already started defaulting within the year. I had to have my mom borrow and myself be the co-signer because she didnt make enough money and my credit wasnt good enough. I have struggled for years to pay this car. They have only helped with deferrals when absolutely necessary, even during XXXX XXXX. Their representatives have lied to me, and after going through health issues, including XXXX, I asked them for a a deferral and they said they couldnt that they would try to modify my loan. They never got back with me on that and said they didnt know what I was talking about. They repossessed my car today and are trying to charge me XXXX dollars to get it out. This is the first time this has happened. No one is willing to help me. I am quite sure I am included in their class action lawsuit. I was 94 days past due, with 4 payments due and XXXX and some change in late fees. They towed my car over 3 hours away and I cant retrieve my personal belongings. This is absolutely absurd. I demand Santander give me back my car that Ive paid XXXX on already and still owe XXXX somehow and call it even. These people are crooks and thieves and prey on the poor. They have never helped me! I want my car back and I want the payments to disappear. I have paid enough!
Consumer complaint received 2019-03-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (AL)

On numerous occasions I have had to resubmit financial documents to Naviant in order to have my student loans rehabilitated. I gather all of the need documents such as daycare receipts, bills such as mortgage, utilities and car payments. Each respond that we have received back regarding the submitted documents range from sorry but this form was not included or sorry we need you to resubmit all your documents. This has been on going for a year now. I call naviant today XX/XX/XXXX to discuss making a payment to my account which is supposed to be around {$270.00} a month. The customer service representative tells me that Im supposed to make a monthly payment of {$1300.00}. I told her about the rehabilitation payment of {$270.00} a month and asked her where she got that larger number from. She hangs up on me. I call back to Navient and no answer.
Consumer complaint received 2022-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have an FTC report and police report. XXXX XXXX has refused to remove this fraudulent account from my consumer report. I sent XXXX XXXX ( XXXX XXXXXXXX XXXX ) a notarized affidavit of Truth. She is refusing to remove it. XXXX XXXX broke the law. The dealership forged my signature. The NY attorney general sued them for restitution in the amount of {$300000.00}. The federal laws that were broken are : 15 USC 1 which states EVERY CONTRACT IS ILLEGAL. 15 USC 1605 TRUTH IN LENDING ACT. 15 USC ( b ) ( a ) ( 2 ) ) : A consumer reporting agency can not put anything on my consumer report without written instructions from the consumer to whom it relates. WITHOUT MY CONSENT IS IDENITY THEFT. FORGING SOMEONES SIGNATURE IS A CRIME. I HAVE ASKED XXXX XXXX TO PRODUCE THE WET INK CONTRACT SEVERAL TIMES AND TO NO AVAIL IT DOESN'T EXIST. THEY HAVE ONLY PRODUCED A COPY WHICH IS NOT MY SIGNATURE. THE DEALERSHIP IS NO LONGER IN BUSINESS.
Consumer complaint received 2020-12-11
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. (FL)

i have made several attempts to resolve incorrect items being reported to Transunion. i have asked them to provide me with proof on how these accounts were verified as 100 % accurate and that they belong to me. i asked them what method of verification was used and in addition, to provide me with a legal and binding contract that bears my signature to the following accounts :
Consumer complaint received 2019-03-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (MA)

Cavalry Portfolio Services LLC are attempting to sue me over an alleged XXXX credit card debt from XX/XX/XXXX-XX/XX/XXXX without the required documentation outlined in a 2016 CFPB Consent Order relating to XXXX accounts from this time period ( XX/XX/XXXX-XX/XX/XXXX ). I have been to court on seven separate  occasions asking for this documentation ( effective agreement, minimum of 12 months statements ) only to be asked each time how I plan on paying, as though I had never spoken to them before. 

Details of a similar case and past CFPB complaint made public online by the defendant indicate Cavalry Portfolio Services and their same local representative law office of XXXX XXXX XXXX are aware of this Consent Order.
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (NY)

My Mortgage Company and I have had a tumultuous relationship since they bought my Mortgage Contract from another Lender in 2006. I'm sending now as back-up, a letter I had written to CFPB on XX/XX/XXXX. It seems the letter had been ignored my the CFPB because it did not adhere to the preferred 'complaint protocol '. 

The letter details a history of my ongoing relationship with my Mortgage Company ; OCWEN/PHH, now in its 15th year. Although a recent Court Case prompted OCWEN/PHH 's removal of a Foreclosure and spurred a Loan Modification, OCWEN/PHH had decided to create a fictitious debt which they are exploiting on their Monthly Statements. 

It is my guess that this fictitious debt serves to keep me in a 'default ' status, since my refusal to pay it will give them cause to compound the amount until it appears I am in the wrong. This fictitious amount is shown as a line item on my monthly statements, and it is named : XXXX XXXX ', in the current amount of {$1000.00}. 

Please refer to my attached Letter, and PHH Statements for additional information