davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

I applied for a credit card at XXXX XXXX as of XX/XX/XXXX and was approved. ( purchase was for about {$980.00}, CC credit limit {$18000.00} I waited for many weeks but never received the Credit Card ( CC ) to this day XX/XX/XXXX I called/emailed XXXX XXXX many times that I did NOT get the CC but they told me " NOT their business ''!!! Than I got a Statement from XXXX XXXX/Bank of America Therefore, I called Bank of America several times to inform them that I did NOT get the CC : First day they told me they made a mistake and they did NOT send the CC but they demanded payment! 
Another day they told me they will NOT mail-send the CC anymore for an unknown reason and NOT disclosed reason and demanded payment, I informed them that I did NOT receive what I asked/applied for and since they made a mistake by not mailing me my CC that I am NOT paying if I do NOT get my CC!! 
I also informed them that I made many inquiries at XXXX XXXX looking for my CC. 

Next Bank of America started harassing me with their phone calls ( calling me via their machine about so far about 100 times ).
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I spoke to XXXX with Transunion. I requested to have unauthorized hard inquiries removed from my credit report under Section 611 of FCRA. I had already called and contacted creditors without any success. These excessive inquiries are adversely affecting my credit score.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

XXXX XXXX has sold an account to XXXX XXXX XXXX. XXXX XXXX has been indemnified and in addition to this XXXX, XXXX XXXX continue to claim to be representng them. The information is inaccurately being reported on Equifax. XXXX and XXXX have removed this inaccurately reported information. XXXX XXXX needs to be fined along with Equifax regarding this matter. Several complaints have been filed regarding the matter and it will continue until these shady people stop putting wrong information on my credit report. This item was removed from my credit and they keep reporting it again. Now Equifax is not reporting it on my credit report for me to see it and dispute it with them directly, but when a lender pulls the credit XXXX XXXX XXXX is coming up as derogatory reporting. They claim they are reporting for XXXX XXXX which was removed 2 years ago from my credit report and XXXX XXXX XXXX is reporting it again. This is a clear violation of the Fair Debt and Collection Act to rereport information under a different name as if its a new account after it was already removed
Consumer complaint received 2021-07-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MS)

I owe approximately {$27000.00} for student loan. I can not pay it. Its been ten years. I was able to pay for a while, but my husband had a XXXX XXXX and XXXX XXXX We had XXXX sons in college. I worked XXXX jobs. Still I could not make ends meet. Since then I have paid some but I had to take two years off. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My paycheck is my only source of income. I applied for a student loan forgiveness and I was denied. I was told that it was bc I attended a junior college in XXXX. It made no sense and Navient would not explain it to me. 
Numerous times I asked for a lower monthly payment but they would not. Navient claims that it is income driven. However, that does not include what it takes to live. For years I have wanted a home. Its why I invested in college. Navient has ruined my credit. I was not able to buy a home for my family. I had no credit. Without credit I have given up hope on ever having a permanent place to live. I applied for another student loan forgiveness. During Covid shut down I was at my school handing out lunches. I checked my payments and I have made the required payments. If I do not receive the forgiveness I want to why. Explicitly why. 
All the times I asked for a lower payment I Navient would never work with me. I have had my student loan in forbearance so many times. It was the go to when I could not pay what they wanted. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I only need credit to survive sometimes. I do not make a lot of money. I have nothing to take. Im not paying it. I have already paid a high price for Navient. 
Navient did not send information or offer the student loan forgiveness to me. I found it on my school districts page. I have a photo attached of the choices Navient sent me. For the payments I did make you cant I made any. Interest has added all back on plus some. Navient is not a fair company. I have harassed by this company. Last year was almost too much as a teacher. They harassed during a time I could not afford to be. Navient has never helped me. Navient should be invested and audited. The FTC has a good bit of information already on Navient. XXXX that should warrant an audit at the very least.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I have never had an account with XXXX XXXX  ACCT # XXXX, and have no knowledge of this account. Under Section 604 15 US Code 1681 B, it states you DO NOT have the right to report anything on my credit report. Under Section 605 A 15 US Code 1681 C-1, it states that with no consent, that equals identity theft. Please DELETE this account as soon as possible as it goes against my FCRA rights, as its showing a violation of HIPPA rights.
Consumer complaint received 2021-07-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions (TX)

I have sent several disputes to XXXX  disputing the validity of this alleged debt from Rent Recovery Solutions regarding a debt for. I have received responses stating the debt was validated. I also request to know how this was validated and received a very generic response. I received information from Rent Recovery Solutions regarding the alleged debt which was very incomplete and with discrepancies. I have had no dealing or business relationship with Rent Recovery Solutions. Furthermore how do you determine an amount past due rent for XX/XX/2015 when there is not a lease for XXXX provided. I have sent this information to Rent Recovery Solutions regarding this discrepancy. Please see attached details.
Consumer complaint received 2020-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OH)

On XXXX, 2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2017-12-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (CA)

ERC and XXXX are apparently collecting a debt from me and it is negatively affecting my report. I have n't been contacted by XXXX or ERC and I do not believe I actually owe a debt. I have paid XXXX for every service ever offered to me. I have been with XXXX for over 5 years now. Why does XXXX and ERC believe I owe them money. I have XXXX in my account ... why would I not pay an {$87.00} fee. DOES N'T MAKE SENSE. I could pay this but for some reason this report is false.
Consumer complaint received 2020-12-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Centron Services (MT)

On XX/XX/2020 I contacted Centron Services and spoke with XXXX to set up payment arrangements for medical bills. I was told I would be sent paperwork to fill out and to have it back within 30 days. I did not receive the paperwork until XX/XX/XXXX, but still sent that paperwork back within 30 days of XX/XX/XXXX, this was verified, they received it XX/XX/XXXX. I was told I would be contacted back via phone message on a decision. I did not hear anything until XX/XX/XXXX, when I received a judgment in the mail from the court. I mistakenly thought perhaps this was a step in the process, so I did not contact Centron Services. On XX/XX/XXXX, I received an email from my work that they had received a garnishment order for my wages. I called Centron Services on XX/XX/XXXX and Spoke with XXXX to ask why I was not contacted as I was promised to set up payment arrangements. I was told that they had called me on XX/XX/XXXX and XX/XX/XXXX and left me a voicemail to do this. I told XXXX this was a lie, my phone is turned off during my working hours but a voicemail would still save, and no voicemails were left. XXXX said " the notes say a voicemail was left '', and she has no reason to not believe that. I again said that was a lie and asked for a copy of the voicemail, as I know from experience that calls are always recorded. XXXX refused that request. I still stand firm that I did not receive any phone calls and no voicemails were ever left. Centron Services lied to me from the start, never intending to take payments, which I offered and fully intended to make. They sent me the paperwork to do this, I filled out the paperwork and took copies of everything, sent it back in a timely matter, even early, and no one ever contacted me back, in fact they lied 100 % about it.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am writing to formally dispute credit inquiries that appear on my credit report, which I believe are not accurate and are causing potential harm to my creditworthiness. As a consumer, I am protected by the provisions of the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), and the Metro 2 laws, which require accurate and fair reporting of credit information.

According to the Fair Credit Reporting Act, credit inquiries can only be made for the following permissible purposes : 1. A Firm Offer of Credit 2. Insurance 3. An Application for Employment 4. A Court Order The first inquiry in question was purportedly initiated by the companies listed below. However, I have no recollection of conducting any business with the companies listed below or authorizing this credit inquiry. In accordance with my rights under FCRA, I contacted the below companies directly to rectify this matter, requesting that they remove the inquiry from their records and update all credit reporting agencies accordingly. They have assured me of their cooperation in resolving this issue, but to ensure a thorough investigation, I am also approaching your agency. 

Given my intention to apply for a home mortgage in the near future for my family, it is of utmost importance that my credit report accurately reflects my creditworthiness. Hence, I respectfully request the immediate removal of these disputed inquiries from my credit report. 

I request the immediate removal of these inquiries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and any other applicable consumer protection laws. Timely resolution of this dispute will be greatly appreciated. 

Thank you for your prompt attention to this matter and for ensuring that the information on my credit report is fair, accurate, and compliant with the relevant laws. 


Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax  data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2020-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (CA)

On XX/XX/XXXX, I received an alert on my credit report that a new debt had been added. The debt was for {$97.00} and was from XXXX XXXX XXXX XXXX. I called the debt collector ( Amsher Collection Services ) on XX/XX/XXXX. The representative was ready to take payment by phone despite my informing her that I had paid the debt, well over a year ago. The representative also stated that notices had been sent to my address. I told her I had not received any notifications and asked to confirm if they had the correct address. The representative gave a wrong address and when I tried to correct her, she transferred to her manager. The manager told me that I would be able to dispute the claim when they send me the information in the mail. My next call was to XXXX XXXX XXXX and they confirmed that the debt had been paid. I was upset and contacted Amsher Collection Services. They stated it would take around 30 days to confirm and remove the debt from my report. The frustrating part was that Amsher Collection just added the debt without confirming it's authenticity. They were unreasonable and acted like it was no fault of theirs. I searched online reviews of Amsher and the reviews stated that they were notorious for adding debts to credit reports with no justification. That practice is unfair.
Consumer complaint received 2021-07-09
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: Security Credit Services, LLC (CA)

XXXX  is not properly investigating my disputes. These companies XXXX and Security credit services are reporting false information during the pandemic when I have consumer protection by law. These accounts were unauthorized and I never received the items.
Consumer complaint received 2020-06-02
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. (CA)

I AM VICITM OF AN IDENTITYT THEFT, SOMEONE STOLE MY PERSONAL INFORMATION AND OPENED A FRAUDULENT ACCOUNT, THE CHARGES ON THAT ACCOUNT ARE FRAUDULENT, THE ACCOUNT WAS A RESULT OF AN IDENTITYT THEFT. MY PLEA IS TO HAVE THE FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT PROFILE. I AM IN A MIDDLE OF IMPROVING MY POSITION AND THE NEGATIVE ACCOUNT IS EFFECTING MY LIVELYHOOD.
Consumer complaint received 2022-03-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (NY)

I have contacted Midland Credit Management at XXXX. 
explained to them that these XXXX debts were settled in my bankruptcy case # XXXX in XX/XX/2013. These keep appearing as judgements still not settled on my report. 
I need these debts to be removed from my report and would like a letter stating they were settled. 

MCM ACCOUNT # XXXX MCM ACCOUNT # XXXX
Consumer complaint received 2021-07-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lennar Financial Services, LLC (MD)

Lennar Mortgage, requested from my husband : " Passport or Naturalization Certificate. '' They did not request similar docs from me. 
In the loan application, we each affirmed that we are citizens. 
We feel this request transgresses their rights under fair lending. 
XXXX XXXX, XXXX - Sr. Loan Officer, ( o : XXXX, XXXX XXXX wrote : " Whenever the credit report has an alert of any kind, we are required to address and document to insure that we have all the correct data on our loan application. In this case for XXXX, the alert indicates that his Social Security Number was not issued until he was around XXXX or XXXX  years of age. With this alert showing, XXXX XXXX and XXXX XXXX require we document and address any and all alerts that are on the credit report for SSN issued after the age of XXXX and issued after the year XXXX. XXXX, we arent asking for your information because per your alert your SSN was issued before the age of XXXX and before the year XXXX. '' We responded : 1. XXXX XXXX requires that you validate SSNs with the SSA directly or through a vendor. Have you done this? 
2. In my reading of the Tax Reform Act, there is no requirement to validate citizenship for mortgages loans. See : https : //www.congress.gov/99/statute/STATUTE-100/STATUTE-100-Pg2085.pdf So, I do not understand its relevance to validating SSNs. 
3. Fair lending does not allow for lenders to require citizenship. Lennar may have its steps but they must be in compliance with laws and regulations. 
4. Proof of citizenship ( passport or Naturalization ) does not validate SSN. A citizen could very well commit identity fraud the very thing you purport to avoid. Those documents you request do not include SSN. 
5. Your CFPB excerpt cites your right to ask about residency status. You have a pay stub for XXXX from his employer : the Internal Revenue Service. The federal government does not employ anyone here in the US illegally. You also see from the credit report that he was given a SSN in his twenties, his address since XXXX in Maryland, and the fact that we paid off our home. 
Again, if providing XXXX passport or Naturalization certificate is required, we will provide. However, we will not provide personal information simply based on a request that does not appear to have basis. 
XXXX XXXX, Production Manager ( o : XXXX, XXXX XXXX wrote : As the guideline states from XXXX XXXX, the lender must verify the Social Security Number, they provide the autonomy for us to elect what best practices are needed for complete validation of a Social Security Number. 
and These documents are our requirements and I have provided the reasons/justification of these guidelines. You have every right not to agree with them. At this point, there are two options : 1 ) provide the needed documentation for your file or 2 ) withdraw your application. The path to your loan approval with us requires these items.
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

As I reviewed my recent report, I have found some erroneous information 's reporting on my Equifax Credit Report. The payment history is incorrect. I was never late on these accounts. I've already sent a request to Equifax to correct and update these matters but I am not sure if they have conducted a thorough investigation for these items : XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$4700.00}
Consumer complaint received 2022-08-11
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. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-07-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

This account has been paid in full and closed. I was shocked when reviewing my credit report and found late payments reported for XXXX and XXXX of 2019. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that there was an error in my payments being reported accurately.