davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC (IL)

Source receivable management is calling me every 30 minutes and harassing me every day after I already sent them all the proof transactions from sprint mobile company. I open an account with sprint mobile back in XX/XX/2020 it was 90days promotional lease contract after 90days then it goes to 18mos and an option to buy the phone or device. I closed my account in XX/XX/2020 and return the devices and paid off my last bill in XX/XX/2020. I sent all of the transactions emails from XXXX  company to source receivable management and couple of days later my email come back saying blocked. Not only that they have received my emails and did not like it and so they block my email address. And they put it twice now in my credit report these type of behavior should not be allowed to practice in any ways. All I want is to be removed from my credit report and thank you.
Consumer complaint received 2018-04-01
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. (TN)

The following information either TransUnion or XXXX are reporting on my credit report is false and inaccurate. 

1. On XX/XX/XXXX all three Credit Reporting Agencies report that my Ally account XXXX was PAID, CLOSED, and OK. 

2. Suddenly, on XX/XX/XXXX either TransUnion or XXXX is showing the same XXXX account XXXX as DEROGATORY, PAYMENT PLAN, CHAPTER XXXX, WAGE EARNER PLAN. 

3. This absolutely false. I leased the vehicle from XX/XX/XXXX to XX/XX/XXXX. 

4. My Chapter XXXX Bankruptcy was filed on XX/XX/XXXX, so how can this account even mention Chapter XXXX Bankruptcy? 
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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: Experian Information Solutions Inc. (NC)

I contacted Experian to report that XXXXXXXX loan  was paid in full back on XX/XX/2022. Experian supposedly contacted XXXX that said the account balance was correct and the loan was not paid off. I received a letter from Experian stating this on XX/XX/2022 ( See Attached ). I have also attached documentation that the XXXXXXXX loan  is paid in full ( See Attached ). I'm not sure if Experian really looked into this dispute, since if they did, then why would XXXX  state that this loan had a balance because according to their own computer information this loan was paid in full on XX/XX/2022. Please see attached documentation.
Consumer complaint received 2020-08-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (UT)

On or about XX/XX/2020, I phoned quicken loans to discuss refinancing my mortgage. I wanted some ballpark figures, as I'm comparing offers from lenders. As I was speaking to the agent, XXXX XXXX, he said he needed to verify some information in my credit report, and asked for my birthday and social security number. I told him I did not want my credit pulled. He responded that he had already pulled my credit and wanted to verify information. Because I believed my credit had already been pulled ( based on XXXX XXXX representation of same ), I continued discussing the refinance with him. 

I then received multiple alters of the credit pull from credit monitoring systems I use. I believe my credit was pulled in error and want Quicken loans to delete the pull entry so it disappears on my credit report. 

I contacted Quicken Loans and they refused to correct my credit report. They claim to have a recording of my call but refused my multiple requests to receive a copy of the recording.
Consumer complaint received 2020-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

in a letter dated XX/XX/2020 you state details of your Forbearance Plan yet it fails to in " bold lettering '' identify the commencement date of this document, i have written two letters to your COO in reference to the inadequate information Bayview is sending to the mortgages it is servicing and the COO has refused to respond in violation of the law. Please make your Senior staff including but not limited to Bayviews president, " new '' COO and CFO send a proper letter that complies with the law with the correct required detailed information, if this inadequate format is being used please resend the proper formatting to all the customers you are servicing. 
As of XX/XX/2020, approximately 20,000 residential borrowers were on an active forbearance plan out of the 152,353 residential mortgage you are servicing why are only 13 % of the borrowers allowed forbearance? Are you Bayview proceeding with foreclosures? Are you continuing to post fee to borrowers during this time? Since XXXX is no longer with you i advise you verify the aforementioned information notify management and take it as notice that you Bayview are not complying with the current forbearance laws.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2020-09-14
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

I am a victim of identity theft and my identity was used to open account with USAA Federal Savings. I have never conducted business with this bank in person or by phone. My credit is ruined due to these accounts that I am not responsible for and did not open. USAA Federal Savings has allowed someone to open accounts using my identity.
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United Accounts, Inc. (UT)

United accounts is reporting a debt on my credit file that i do not owe. I recently checked my credit file and noticed this debt on my credit file, i called immediately and paid this debt off. I never received any phone calls or any collection letters or notices about this debt and I'm pretty sure that violates my 30 day right to dispute.
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

There is a medical bill that does not belong to me. Please remove it in its entirety. Additionally, there are inquiries on my credit report in which I did not allow without my permission. Remove that as well. Thank you.
Consumer complaint received 2017-08-03
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. (GA)

I have balances with XXXX XXXX XXXX and it was turned over to XXXX XXXX collection agency. The agency has listed each account individually on my and my husbands credit report. We have total Balance of {$15000.00} from datesXX/XX/XXXX to XX/XX/XXXX. That is owed to both XXXX hospital and XXXX XXXX I Have disputed the amount of accounts listed on my credit report as many companies have advised me that this does not seem ethical to have 132 medical accounts listed individually. These accounts range from {$11.00} to {$2400.00}. I can understand putting the collection balances on my credit report but not listing it 132 times each individually. I have contacted XXXX multiple times to ask them to combine the balances into 1 or 2 balances they have responded that they will not remove the multiple listed accounts, they also advised that if I paid the balance to {$0.00} they will still be listed individually. My credit report is 30 pages long due to 132 medical accounts listed individually.
This should not be legal, it is legal to add collections to someone credit report but not list it individually like that. I have had so many people tell me that this is not legal or ethical.
Consumer complaint received 2023-02-08
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (NY)

My letter sent certified mail on XX/XX/XXXX was delivered and signed for on XX/XX/XXXX. I have requested validation of debt, and to this day have not received this from the company. I was then forwarded a judgement from XXXX XXXX XXXX that I never originally received. This judgement was sent to an invalid address and has an invalid employer listed to " garnish my wages '', therefore this is an invasion of my privacy pursuant 15 USC 1681 384.
Consumer complaint received 2022-04-05
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. (CT)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-04-05
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. (CT)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done XXXX  % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SANTANDER HOLDINGS USA, INC. (FL)

CFPB XXXX XXXX XXXX XXXX XXXX XXXX, This is a follow up complaint to complaint # - XXXX ( attached ). 

I am requesting this car loan - installment loan - I had with you : - account # XXXX - start date XX/XX/XXXX - paid off XX/XX/XXXX - {$16000.00} original balance - Always paid on time, and paid off Accurately reflect on my XXXX credit report. 

It currently shows on XXXX and XXXX- it is not showing on XXXX. 

Attached to this complaint are : - my drivers license - my social security card - my mailing address - my previous CFPB complaint- how it shows on XXXX + XXXX ( with all of those account details )
Consumer complaint received 2023-01-28
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: Experian Information Solutions Inc. (NC)

I am writing to dispute the accuracy of the account XXXX XXXX XXXX, Account number XXXX, that is currently appearing on my consumer report. Specifically, I am requesting that this account be removed/deleted from my report as it is over 7 years old and no longer accurate.

As you are aware, the Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies maintain accurate and up-to-date information on consumers. This includes removing accounts that are over 7 years old, as they are no longer relevant to a consumer 's creditworthiness.

I understand that your company may have certain procedures in place for resolving disputes such as this. However, I would like to grant you the opportunity to amicably resolve this matter by doing the following : Investigating the accuracy of the account in question, including verifying the date of the account and any outstanding balances.

Removing/deleting the account from my consumer report if it is found to be over 7 years old and no longer relevant.

Providing me with written confirmation of the removal/deletion of the account, as well as a copy of my updated consumer report.

I trust that your company will take the necessary steps to rectify this situation in a timely manner. Please do not hesitate to contact me if you require any additional information or documentation from me to assist in your investigation.

Thank you for your attention to this matter.

Sincerely, XXXX XXXX
Consumer complaint received 2021-05-20
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. (AZ)

I have already attempted to contact XXXX XXXX, XXXX and Equifax about this account. 

1. Date opened is inaccurate. 

2. XXXX did not disclose their methods on how they investigated this item on my credit report. Info is inaccurate. 

3. XXXX  did not disclose their methods on how they investigated this item on my credit report. Info is inaccurate. 

4. XXXX XXXX is " Re-Aging '' this account on my credit report every month. Im attaching a copy of my last XXXX credit reports to show the FCRA violation that XXXX and Equifax is allowing XXXX XXXX to commit.
Consumer complaint received 2020-06-28
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. (GA)

I have contacted the collection company and experian, XXXX, Transunion I do not owe this debt and uploaded a letter from the supposedly creditor showing {$0.00} balance Unsure how a collection company says I owe something their original creditor notes I dont
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

The following information on my credit profile appears to be somewhat misleading and incorrect, thus I am formally asking you to fix it. You have 30 days to complete your investigation in accordance with the Fair Credit Reporting Act 's requirements ( 15 USC section 1681i ) ; if you don't, you'll be in breach of the law and could face a Federal Trade Commission investigation. XXXX XXXX XXXX XXXX Opened XXXX. XXXX, 2022 XXXX {$17000.00} - Account number, payment status, and date open appear to be inaccurate information that was reported. Please review this account 's payment history information. I think I made my payment on time, therefore the late history shouldn't be showing any lates. Correct the late payments from this account, please. I'm not running behind on this. Get it correct as soon as possible ; assess this reporting by updating the data provided. Please update this from my file, make any necessary changes, and modify it.
Consumer complaint received 2020-12-05
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)

I have once before tried having incorrect account information investigated on my credit report but Experian fails to conduct a proper investigation disspite my circling and providing evidence of the mis-reporting. I am attaching the most previous dispute and their reply for lack of correcting my file by leaving this stuff on the report. I am requesting that these items be removed.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please FIX the following accounts completely from my Credit Reports : XXXX  XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$3600.00} XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$5900.00} XXXX XXXX  XXXX  XXXX Date Opened XX/XX/XXXX Balance {$19000.00} XXXX XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$19000.00} XXXX XXXX XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3.00} XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$17000.00}
Consumer complaint received 2017-08-31
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: AMERICAN EXPRESS COMPANY (CA)

I received a call from a telemarketer from American Express by a lady named XXXX. XXXX. The lady had me record a statement that I did not want to provide my SSN. She assured me that a credit application would be based on my business income and not my personal information or credit. An inquiry would not be made without my consent. She asked me for my business Ein, address and income and date of birth. She somehow pulled my credit, said my application was denied and hung up. I have been unable to call her back. She straight lied to me. Now I have a hard inquiry denial for credit with XXXX and probably the other Two bureaus. Can American Express telemarketers just lie to us with immunity and without recourse?
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (OH)

I am part of the public service loan forgiveness program since XXXX. My loans are through fedloan servicing. In XXXX my loans went into forbearance which I never requested. I immediately called fedloan serevicing and stated that I did not want my loans in forbearance since I need 120 qualifying payments to be eligible for forgiveness. They apologized for the error and my monthly withdraw went right back into effect. I thought everything was fine since I continued to make my payments. When I filed my yearly PSLF form as they suggest you do, it had zero elegible payments from XX/XX/XXXX - XX/XX/XXXX, almost an entire year of payments. I call inmmediately and ask why these aren't eligible. They state that it was because I was in forbearance during that time. I explained that I never requested the forbearance and I had them remove it and then continued making my payments. I did not miss a single payment due to this " forberance ''. They stated they would send this back for review. It has now been over 3 years and I am still fighting for these payments. I have emailed and called dozens of times at this point and I always get the same response - " we will look into it. '' This is putting me almost a year behind getting my loans forgiven. I am extremely frustrated and I am not sure what my options are. I feel like the PSLF program was designed to fail and I may never reach forgiveness even though I has always made my minumum payments and fill out my eligibility forms yearly.
Consumer complaint received 2020-08-19
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mr. Cooper Group Inc. (CA)

I was paying my lender n time until their servicer place their own insurance on the property when i already had insurance and charged me more every month. I showed them proof that i had my own insurance and then they said they will adjust the default payments and never did. My default payments have been getting billed in the back since XX/XX/2018 for XXXX a month. Now my new lender is trying to pay off the loan off and they want the default interest when all of it should of been waived from day one since they made a mistake to place their own insurance on the property. My new loan docs are expired and i might be able to get a loan since the servicer took 2 months and has not rectified this issue.
Consumer complaint received 2021-04-25
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Winklevoss Exchange LLC ()

Hello, I've opened a Gemini account and tried to verify it on XXXX, the XXXX, but up to today, it is still not verified. I've tried several times contacting Gemini but in vain. 
Can you please help me with the issue encountered? 

Account 's information : Name : XXXX XXXX Email : XXXX Birth date : XX/XX/XXXX Phone number : XXXX XXXX XXXX XXXX XXXX XXXX Thank you so much! 
Best regrads,