davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-01
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Receivable Management Services LLC (IN)

I was called by XXXX, a debt collector by a restricted phone number on XX/XX/XXXX XXXX PM EST. She said that her intention for calling was for me to settle a debt owed to XXXX XXXX. It was her second time she called me. I told her that I would like for her and anyone else who identifies themselves as debt collectors who work for Receivable Management Services LLC to call me, but she insisted that she had to call to help me settle the debt. I told her I am not employed and therefore am not able to pay any debt owed.
Consumer complaint received 2021-02-20
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. (TX)

I have written documentation from the Bankruptcy Court stating that they DO NOT report bankruptcies to any of the credit bureaus. However, XXXX, XXXX, and Experian are illegally reporting this information which is a violation of my rights. 
I am requesting that all 3 credit bureaus provide me with an original contract ( wet ink signatures ; written proof ) that they were authorized to report a dismissed bankruptcy to my credit report. 
Without written proof, this information must be immediately deleted from my credit reports and blocked from reporting again. 
In the meantime, I will be preparing all necessary documentation to seek legal remedies against the 3 major credit bureaus.
Consumer complaint received 2020-05-01
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. (VA)

Equifax XXXX XXXX XXXX XXXX should not be reporting a chargeoff in the amount of {$6200.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had GAP insurance with XXXX XXXX and this balance was paid in full and therefore there is nothing to collect. I have attached a copy of the GAP insurance documents for reference. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (MD)

I am identifying myself as a consumer. According to my consumer rights I am requesting debt validation of all of my all the student loans on my credit file. If the original contract with my wet signature is not provided then the accounts should be removed from my credit file!
Consumer complaint received 2020-07-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

address XXXX XXXX XXXX XXXX XXXX ga XXXX we have excessive mortgage fraud in bankruptcy trustee NEVER investigated not one instance of the excessive fraud on any of the properties both commercial real instead of the abandoned and stoled the properties we had to file our own Rico suits the courts illegal dismissed all of them to cover up for their friends who were involved in obtaining fraudulent loans on our property, they did care because WE ARE XXXX, We noticed with White couples filing Bankruptcy this trustee filed lawsuits. 

the XXXX case number XXXX attempted to make us pay approximately XXXX k in order to stay in XXXX XXXX for FRAUDULENT LOANS and later telling us we would bet our money-back whenever THE TRUSTEE GET A CHANCE TO INVESTIGATE, I transferred to Chapter 7 which is what they wanted to liquidate, however, I complete a Retention Form and he continued to engage in illegal activities and the judge gave him permission to do so., The Trustee is a Liquidator he has an Attorney who is old and the judge basically runs over him as ask other attorneys to say the trustees ' attorneys name in order for her to steal property. 

SPS is a Fraudulent loan, They sent a letter on XXXX regarding releasing the lean. We reported the information and later they created XXXX XXXX 's one for myself and one for my spouse stating the loans was an income. These are not our loams. AFTER investigation we NEVER RECEIVED ANY LOANS ON any OF OUR PROPERTY. 1 of the attornies received 15 years and one was disbarred. we can not obtain an attorney because we are blackballed in Georgia by judges and key attorneys who are involved in the fraud, Please read all attached documents SPS is no longer in business, We have IRS Fraud, MAIL Fraud and Mail Theft as well.
Consumer complaint received 2021-11-03
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: EQUIFAX, INC. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-02-20
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Louisiana Recovery Services Inc. (LA)

The same man keeps calling me he cusses me he tells me XXXX keep adding bills to my name and Ill never have good credit some of the bills he says I owe arent from me Ive asked him to stop contacting me if hes just going to talk to me like he does and not help hes screamed at me many times used language not appropriate Ive blocked numbers over and over he tells me hell do whatever he wants he calls me two times a week sometimes after XXXX XXXX every time I dispute his stuff on my credit he calls and does the same thing my husband has asked him to stop calling to stop talking to me the way he does and this man doesnt stop I have bills now from him that I didnt even go to that hospital I feel like this man is out to get me its Louisiana recovery and the man doesnt speak XXXX very well and he tells me things I dont find appropriate when I dont agree with him
Consumer complaint received 2020-08-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (NV)

I did not receive a notice to this debt. this a copy of the bill and I was in a uber car accident in which cause this bill. 
I have attached a copy from TSI Here is my claim number # XXXX in which the bill can be paid once TSI sends me a letter that they will remove the collections from all 3 credit Bureaus.
Consumer complaint received 2020-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On Tuesday XX/XX/XXXX, I went into a Bank of America Location requesting to cash a check. Based on the Bank of America policy, account holders are able to go into a branch and cash a check. According to the teller, I was not eligible to cash the check due to the amount being over {$10000.00}, despite me asking for proof of that policy and informing the teller it was my understanding that It was ultimately at the discretion of the manager, I was told there was no way I could access the funds that day, nor would ANY of the funds be made available that day. The teller informed me that despite not being able to cash my check, the funds would be available the next morning, telling me repeatedly that no hold would be placed on my check ( at least 3 times, guaranteed I could come into the branch and retrieve my funds ). I spoke to another banker at the location and asked them to please inform me of the bank 's policy on cashing checks, that banker refused to inform me of the banks policy and instead told me they don't cash checks over $ XXXX, which I know to be a lie. The next day, I checked my bank account to find out that a Hold had been placed on my check until XX/XX/XXXX, despite my insistence on needing the funds and being assured without a doubt the funds would be available the next day. At this point, no portion of the check was made available to me, when I could have taken the check to the bank who issued it to get it cashed. I contacted customer service on Wednesday XX/XX/XXXX around XXXX and requested information regarding the bank 's policy on check cashing, again they refused to provide me with that information and proceeded to blame the branch for providing me incorrect information. I asked for my options as this has put me in a terrible situation, given the fact I was requesting to cash the check initially for a reason. Not only have I been deceived, they have not released any portion of the funds ( I believe legally they are required to release XXXX at minimum ) and they expect me to wait until XX/XX/XXXX for funds that were guaranteed to be available Wednesday. I have now lost a potentially lucrative business opportunity and I was told the only option I have is to contact the issuing bank, request a stop payment and wait for them to reissue the check. As a young XXXXAmerican, it is a shame to almost expect a bank to treat you this way, moreover I am disgusted by the fact not a single employee was willing to inform me of what the bank 's standard policy is for cashing checks. I attempted to contact the branch, though no one was answering the phone. How can you be expected to trust a financial institution who lies, withholds information and does not abide by the rules and regulations of their industry? This situation has caused me irreparable damage as I may never have an opportunity like the one lost due to this banks actions.
Consumer complaint received 2019-05-29
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. (NV)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX  XXXX XXXX
Consumer complaint received 2015-06-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I 've repeatedly told XXXX XXXX XXXX, XXXX XXXX, XXXX, and now XXXX, that the delinquent student loan document # XXXX is not mine. I did not fill out the loan documents nor did I sign them. This student loan is for XXXX XXXX. I did not attend XXXX. I 've reported to all XXXX credit bureaus that this is not a valid loan and shown proof of signature verified by an XXXX XXXX here in XXXX XXXX. Someone created this loan in my name and XXXX will not wish to recognize my argument. I 've repeatedly have been denied credit for home refinancing and purchase because of these false derogatories. IT ISNT RIGHT THAT I SHOULD SUFFER BECAUSE OF XXXX 'S CARELESSNESS IN LOAN PROCESSING! Frustrated, I have on retainer XXXX XXXX Attorney XXXX XXXX XXXX number XXXX. Feel free to contact me at XXXX
Consumer complaint received 2020-08-26
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: Experian Information Solutions Inc. (TX)

XXXXXXXX XXXX XXXXXXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX, XXXX Date of Dispute : XX/XX/2020 Time of Dispute : XXXX EST Estimated Date of Completion : XX/XX/2020 DISPUTE SUMMARY Below is a summary of the items you have chosen to dispute. 

PERSONAL INFORMATION Previous Address : XXXX XXXX   XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Other Names : XXXX XXXX This is not my former name. 
Other Names : XXXX XXXX This is not my former name. 
NEGATIVE INFORMATION > ACCOUNTS XXXX XXXX XXXX | XXXX This account does not belong to me. 

XXXX XXXX XXXX XXXX XXXX This account does not belong to me. 

XXXX XXXX XXXX XXXX XXXX This account does not belong to me. 

XXXX XXXX XXXX XXXX XXXX This account does not belong to me. 

ATTORNEY GENERALXXXX | XXXX This account does not belong to me. 

Please use the above confirmation number for all future communications on the status of your dispute.

The dispute verification process may take up to 30 days.

Please note, when you upload documents, including letters, to XXXX as part of your dispute, the documents may be submitted to one or more companies whose information is the subject of your dispute.

sent ftc on all the above
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Contemporary Information Corp (NC)

Upon reviewing my background check report, I was dismayed to find an incorrect charge listed under my criminal record section. 
Description : Offense description not provided by source Offense Date : XX/XX/year> Disposition : Guilty Court : District Plea : Guilty Court Costs : {$190.00} Fines : {$25.00} This information is completely frivolous and does not pertain to my personal record. I can confirm that this charge is invalid and has been incorrectly attributed to me. This information is not listed on my criminal background. I can prove that this charge is invalid and does not pertain to my personal record. I request that Contemporary Information Corp. ( CIC ) remove the incorrect charge. CIC should not hinder my consumer background report in any way if it can not be supported by evidence. I will pursue legal action against CIC for damages to my background, credit, and reputation, as well as for psychological harassment and defamation. I also request that CIC provide me with competent evidence and documents proving the validity of this information under oath. This is completely inaccurate, and I never gave a public record furnisher consent to report any invalid information about me.
Consumer complaint received 2020-08-26
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. (AR)

I have tried to call and inform the credit bureau that there are plenty of mistakes and inaccurate details on my report. I have disputed them numerous times online and telephone. They still are reporting and not fixing the errors. XXXX XXXX  is reporting payments improperly. I have hard pull inquiries that I didn't authorize. I have asked for it to be fixed and removed, but nothing.
Consumer complaint received 2017-06-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Documents for removal on report for  XXXX   XXXX . After filing complaint with the CfPB, they were supposed to be deleted.  XXXX  and  XXXX  have complied with deletion. Experian refuses to delete   XXXX    XXXX  ASAP.
Consumer complaint received 2016-07-11
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (OH)

I contacted Quicken Loans for a mortgage loan for a new home an XXXX XXXX XXXX. On the same Day, I spoke with quicken loan officer, XXXX XXXX who was helping me with the loan application. I gave him all the pertinent information for credit purposes. He asked me to send him XX/XX/XXXX and XX/XX/XXXX taxes of which I sent through his email. On XXXX/XXXX/XXXX, I wrote XXXX an email to make a follow-up on my loan application. My email was never returned. I followed up with several call ( XXXX ) XXXX ext.XXXX. All my call were never returned despite of leaving several messages. Credit disclosure was never sent to me despite of pulling our credit, the loan was neither approved nor disapproved to this day and no further communications. I believe I was a victim of racial bias and of national origin because of my accent.
Consumer complaint received 2020-08-24
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: Bread Financial Holdings, Inc. (MI)

For some reason an account I had with ZALES was closed and my score dropped 49 points. Makes no sense XX/XX/1949 pts to XXXX We found 3 changes to your XXXX  credit report. 
Closed Accounts COMENITYCAPITALBANK/ZALE + Account Closed On-Time Payments COMENITYCAPITALBANK/ZALE + 2 Payments Made on Time Updated Account Information COMENITYCAPITALBANK/ZALE + Remark Added to Account
Consumer complaint received 2017-06-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIRST CITIZENS BANCSHARES, INC. (CO)

The company,   XXXX   XXXX   XXXX   XXXX   XXXX  , claimed that I originally owed approximately {$200.00} for an overdrawn bank account balance at   XXXX   XXXX   in Colorado, but he 's asking for {$810.00}. I had never done business with this bank and told them so. They were very aggressive and have called several times this week threatening to sue me if I do n't pay by the end of the week. They said they talked to me in 2014 about the debt, which I do not believe happened. He called me a liar, threatened to sue me via another company in Colorado. I called the bank and they had no records of what he was talking about.
When I told him the bank said I never had an account and that I intended to call a government agency he got angry. Then he said I owed the money to a bank in Wisconsin. He said it was the same bank, but I called that bank too and it is now not even called   XXXX   XXXX  . I checked my credit reports and the debt is not listed anywhere. They were incredibly aggressive and insulting. He re-read me " notes '' of previous conversations which were inaccurate. When I said I wanted proof they emailed me an editable word document on which my name is n't even spelled correctly. I strongly believe this is a scam.
Consumer complaint received 2017-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

PORTFOLIO RECOVERY  XXXX    XXXX   XXXX   XXXX   XXXX , VA  XXXX  (  XXXX  )  XXXX  has put a claim of {$340.00} on my credit but even though I have disputed it with them and have asked them to prove the debt they still do not remove it. I want to file a complaint against this co.
Consumer complaint received 2016-10-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

I had an old collections account with XXXX that I paid on XXXX XXXX, 2016. They sent a letter to the XXXX credit bureaus on XXXX, XXXX, 2016 stating the account was paid and changed the status to Paid Charge-Off. However they reported the same account on XXXX/XXXX/16 to XXXX and XXXX as a failure to pay. They are sent another letter on XXXX/XXXX/2016 to the credit bureaus stating the same as the XXXX/XXXX/16 letter but in neither do they reference the actual payoff date. I want them investigated for fraudently reporting data to the credit companies when the debt is paid off.
Consumer complaint received 2020-08-26
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Atlantic Recovery Solutions LLC (NY)

My boyfriend received a call from XXXX XXXX at Atlantic Recovery Solutions on XX/XX/2020 about a debt that I owe. He was asked if he was my husband to which he replied no. XXXX then discussed my debt, the amounts owed, as well as offered a settlement option to him. 
XXXX also told him that a judgement was about to be filed against me for the amount owed. 
I have not had any contact with this debt collection agency, no letters phone calls etc, and it is unlawful to talk to other people about a personal matter. 
This is a clear violation of the FDCPA.
Consumer complaint received 2018-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

In XX/XX/XXXX I filed a Chapter XXXX Bankruptcy Petition, which included my mortgage debt with XXXX XXXX. I did not reaffirm the mortgage during the bankruptcy proceedings. My Chapter XXXX Petitioner was closed with all listed debts discharged on XX/XX/XXXX. I know the mortgage on my home continues a debt against the property but my personal obligation for the debt was discharged. XXXX XXXX   continues to report my mortgage account to credit reporting agencies, including Experian. I have notified Experian and XXXX XXXX  that the information shown on my current credit report is a violation of the Bankruptcy Discharge, but they refuse to remove the information from my credit report. I am attaching a copy of my Bankruptcy Petition and Discharge with this Complaint. I need help getting this information removed from my credit reports, as it is adversely effecting me and my family. I did not want to file for bankruptcy protection but as I did, I am entitled to the protections granted to me by the Bankruptcy Court.