davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
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. (GA)

I recieve email from the XXXX bureaus and they refuse my letters they say I'm using Credit Repair Company to send letters for me whis is wrong. I'm the one who send out my letters.
Consumer complaint received 2022-09-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings (CA)

On XX/XX/2022, I received a credit monitoring from AD Astra Recovery. I immediately sent to AD Astra Recovery Services via Fax and certified mail dispute regarding the validity, inaccurate, and/or unverifiable/uncollectible balances reporting on my credit report. I asked that they cease and desist any further illegal collection activity and I was ignored. It is my belief that this debt is being reported unlawfully and something was not disclosed clearly and/or was misrepresented. 

I do not have any records to enclose regarding this debt to defend my request as nothing has been provided to date to substantiate why I owe this debt. I do not know the account number other than what is on my credit report ; I have never received any itemization of the current amounts reflected re : interest, fees, payments, and credits since the date of the reporting date of this debt. I also have not received any information regarding my debt collection rights.
Consumer complaint received 2021-09-13
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (OH)

I recently closing on my refinance with Carrington Mortgage on XX/XX/2021. Due to ongoing issues with XXXX XXXX company I excercised my right to shop for a title company. However, was denied twice by the loan officer/ Carrington . Due to my personal hardship I feel I was forced to use a title company that was not working in my best interest. I closed on my loan XX/XX/2021, my three day waiting period was extented to six days b/c they lost my quick claim deed. I spoke with XXXX XXXX at Carrington Mortgage service and my desired outcome was to refund my title fees since I was denied the right to shop for the services and was told no since I closed on my loan his V.P would not grant my request.
Consumer complaint received 2019-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Mailed in documents to Both Transunion and XXXX. Never received a response. I called both over the phone and initiated a dispute for several fraudulent accounts appearing on my credit report. I've received a noticed that the items were verified as accurate. I called back and each time was forwarded to a call center outside of the United States, and my documents weren't able to be verified. I've filed a complaint with the FTC, and a identity theft report. Please forward these documents to the appropriate department for processing.
Consumer complaint received 2021-09-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (OH)

I contact Pheonix Financial Services via email about a debt I saw on my credit report from them. I stated that I did not have an account number and that if it was medical debt it belonged to my ex-husband per our divorce agreement in 2019. 

I received a reply from : XXXX XXXX Phoenix Financial Services, LLC XXXX XXXX XXXX XXXX, IN XXXX XXXX toll-free XXXX general fax XXXX Correspondence was as follows : Me : I see a debt from you on my credit report. No information about said debt. No account number. Nothing. If this is a medical debt, I divorced and it is in our legally binding divorce agreement that my ex husband is to cover all medical debt. If this is a bill that never got sent to our insurance, I can not help you because I have different insurance. If you have no idea what this debt is, either do we. 

Her : Thank you for your inquiry, please provide an account/reference number in order for us to assist you. 

If you do not have one we can try locating by any of the following : Address, phone number, or complete social security number. I apologize for any inconvenience. 

Me : The address this mail should go to is XXXX XXXX XXXX XXXX Ohio XXXX. If it isn't a medical billl, then I have no idea what it is and it is probably not my debt. I have no account number because I have never seen this bill. 

Her : That address is not associated with an account in our system. I can try to locate the account with your phone number or social security number. You may also call XXXX and a representative will be able to better assist you in locating the account. I apologize for any inconvenience. 

Thank you, Me : I feel like a search by my name would be adequate if it was a legitimate debt. I feel like this is a phishing scam. The date of your debt corresponds to the address I gave you. I suggest you send out an actual account number to that address identifying yourself and the account in question. I will not give any personal information to a possible scam. 


This debt is XXXX dollars that keeps hitting my credit report over and over. I mean, it is XXXX dollars. My ex husband would have paid XXXX dollars had he seen a bill that was legitimate. 

I don't know what this debt is and I am not getting answers, but my credit score has suffered to below XXXX now because of this mystery XXXX dollars that no one can tell me about unless I give personal information.
Consumer complaint received 2021-03-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (MA)

XXXX XXXX. Qualified Written Request Letter was sent certified to XXXX XXXX XXXX and delivered by USPS on XX/XX/2021 at XXXX XXXX 
XXXX still has not responded to that letter as of today, XX/XX/2021. 

This date has far surpassed the five day mark that XXXX has to respond to the QWR letter.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES TRANSUNION, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED XXXX XXXX XXXX, which outlines the permissible purpose of consumer reports. I have requested Form XXXX from XXXX, XXXX XXXX, XXXX XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT XXXX AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2020-07-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Reverse Mortgage Solutions, Inc. (CA)

RMS -- - LN XXXX -- - Loan Skey : XXXX -- - XXXX XXXX XXXX XXXX, XXXX CA XXXX -- -- XXXX XXXX -- -- -- We are having no end of trouble getting accurate and timely communication and information on a short sale. We previously had to file a CFPB complaint Case #  XXXX in order to get an interior appraisal done, as required by the investor. That appraisal was completed on XX/XX/XXXX. I have called three times to ask what the value came in at, and to get a current counter offer. Each time I was told that we must produce a demand in writing to find out what the value is, and that our SPOC XXXX XXXX would be in contact to discuss. The last time we were told this was on XX/XX/XXXX, and I also left a voicemail for her. We have not had a response, and this violated servicing guidelines for this investor. 

The appraised value of the property is intrinsic to the process of a short sale and of an urgent nature as that is how approval or denial is in part decided. By withholding this information arbitrarily and refusing to communicate with us as the authorized 3rd party, RMS is violating CA 580e which requires prompt and clear communication in all processes of any loss mitigation effort. In addition, the representative that I was able to speak with on XX/XX/XXXX named XXXX told me to calm down when I in no way had raised my voice. Insisting that a servicer abide by all applicable law, state and federal, is not a reason to be condescending and combative. 

I would like the SPOC to contact me within 48 hours to discuss this short sale, its value and resolution to the issues along with their direct contact information.

Attached is our Third Party Authorization and a copy of the previous CFPB complaint.
Consumer complaint received 2019-06-02
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: EQUIFAX, INC. (SC)

Mailed in documents to Both XXXX and Equifax. Never received a response. I called both over the phone and initiated a dispute for several fraudulent accounts appearing on my credit report. I've received a noticed that the items were verified as accurate. I called back and each time was forwarded to a call center outside of the United States, and my documents weren't able to be verified. I've filed a complaint with the FTC, and a identity theft report. Please forward these documents to the appropriate department for processing.
Consumer complaint received 2017-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (CA)

On  XXXX   XXXX ,  2017  {$490.00} was transfered from my checking account to the checking line of credit. Because this transfer was made, my mortgage payment was returned resulting in a late fee. I spoke with a representative from the bank who told me the money would be returned, however as of  XXXX   XXXX ,  2017  the funds have not been returned to the account. The line of credit was 11 days past due at the time of the transfer, however I was not notified in any form that this transaction was scheduled, and was not authorized on my part.
Consumer complaint received 2017-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Regarding my prior dispute : XXXX TransUnion states the following : In order to protect your privacy, we have mailed a courtesy copy of your TransUnion credit report to the current address we have on file for you. Please review and provide us with the exact information you believe to be inaccurate. You can expect to receive your report approximately 5 to 7 business days. If you have any further questions, please call us at XXXX, XXXX, XXXX XXXX XXXX XXXX  ET. Please visit http : //transunion.com/consumerfaqs for frequently asked questions about your credit report. DESCRIPTION OF NON-MONETARY RELIEF We reviewed your complaint and apologize for any difficulty you may have experienced. We have updated the personal information as requested. ********* It is the last sentence where they have mislead both the CFPB and me, as a consumer. I pulled up my credit report on XXXX XXXX, 2017.  They HAVE NOT updated the " personal information as requested '' ; which was, namely, to delete the wrong address on my account : XXXX XXXX XXXX, XXXX, etc. I believe that they are in bad faith because for them to delete it requires nothing more than deleting it. Again, they have mislead you and me alike. They have not updated the personal information as requested. Please, CFPB, pull up a copy of my credit report and you will see for yourself ( if they do n't finally do what they told you -- a government agency -- - and me what they were going to do ).
Consumer complaint received 2021-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (AL)

XX/XX/XXXX Purchased three stainless steel XXXX XXXX XXXX XXXX XXXX systems from XXXX for {$130.00}. Six weeks later, I received three cheaply made white plastic six inch pots. My Chase Credit Card was charged the amount to company XXXX. I could not return items to company because it was past the thirty day from purchase window for returns. I disputed charge with Chase in Case # XXXX and mailed Chase the supporting documents describing the confirmation order and the bait/switch plastic pots received. On XX/XX/XXXX I received a letter from Chase stating that the merchant 's charge was valid and described the purchase of an " XXXX XXXX XXXX '' a product I have never ordered. Chase has charged my account {$130.00} for 3 small plastic pots. When I called Chase for an explanation, I was told I had to mail supporting documentation to them to reopen the case. I mailed receipts, photographs, tracking numbers, and a letter to Chase on XX/XX/XXXX and have not received any confirmation from Chase. Please help me. There are numerous reports on XXXX XXXX  using these bait and switch tactics through numerous shell companies.
Consumer complaint received 2017-07-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (FL)

I was in college from XX/XX/XXXX until XX/XX/XXXX and during that time XXXX XXXX was charging me interest while I was currently in school. I sent transcripts on many different occasions yet my loan was still increasing. I began to pay on it until I realized that I should have to if I 'm actively in school. I asked for deferment while i was unemployed they agreed but turns out thet werent putting it on my account so my amount continued to increase. I then got re enrolled in school and have been in since XX/XX/XXXX and I get calls almost everyday about my loan and the amount goes up every month again while I am still actively in school. Have sent multiple transcripts to many emails and nothing is stopping the harrowing calls and emails.
Consumer complaint received 2015-11-04
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Harley Davidson Financial Services Inc (IA)

Once again Harley Davidson is continuing to call me after i made payment arraignments. They have called me twice after XXXX. The first time they called me after XXXX i told them i am working in Maryland apparently they did listen because they called me at XXXX on XX/XX/2015. I told them again that i was working here in Maryland. They called again this morning on XX/XX/2015. I asked them why they are calling me after payment arraignments are made once again i did not get a answer. They are becoming unbearable.
Consumer complaint received 2019-06-02
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. (MI)

Hello, this my second complaint. It is very disappointing that Equifax is not following the law. I have asked on multiple disputes for Equifax properly dispute the accounts in question. I have also asked Equifax to please send me a proper METHOD OF VALIDATION. I asked Equifax who they talked to, What email they sent to these furnisher, what was the dispute reasons, I asked Equifax to send me a copy of the responses the furnisher sent back. I also sent Equifax this ... ....

I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous items on my credit report involving a transaction. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report.

I am absolutely certain that the item I disputed is incorrect and unverifiable and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with.Please include all names and contact information of employees that you spoke to act as part of this investigation.

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, with  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX so I need specific answers to the specific questions asked of you in this letter. 
I expect to receive a response within 15 days of receipt of this letter via U.S. Postal MAIL, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 
Very Respectfully Equifax continues to ignore my demands
Consumer complaint received 2021-02-21
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. (TX)

Navient has inaccurately reported late pays in my credit report while my status was in deferment. They fraudulently reported 3 late pays on my credit report while I was enrolled in school at the time and my loan status was in deferment. I have reached out to Navient by phone and by mail in order to resolve this issue. I even mailed in a goodwill letter asking them to forgive the late pays although it was inaccurately reported to begin with.
Consumer complaint received 2019-06-02
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: V and H Portfolio (TX)

I have continuously contacted XXXX  as well as Vance & Huffman about this account that was part of a debt buying purchase. The account was initially opened with XXXX in XXXX of XXXX when I purchased a 2007 XXXX XXXX. Last payment received XX/XX/XXXX and charged off XX/XX/XXXX. It was then sold to XXXX in XX/XX/XXXX, XXXX XXXX XXXX in XXXX of XXXX and finally to Vance & Huffman in XXXX of XXXX. I have contacted Vance. & Huffman as well as XXXX to advise them of incorrect credit reporting since Vance & Huffman is reporting currently that this is a new debt from XX/XX/XXXX so I am being denied credit to purchase a home because of this debt being re-aged. This clearly exceeds the guidelines outlined in the FCRA and yet neither company is taking any action to rectify this situation.
Consumer complaint received 2019-06-02
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: Santander Consumer USA Holdings Inc. (TX)

I have continuously contacted XXXX as well as XXXX XXXX  XXXX about this account that was part of a debt buying purchase. The account was initially opened with Santander in XXXX of XXXX when I purchased a 2007 XXXX XXXX. Last payment received XX/XX/XXXX and charged off XX/XX/XXXX. It was then sold to XXXX in XX/XX/XXXX, XXXX XXXX XXXX in XXXX of XXXX and finally to XXXX XXXX XXXX in XXXX of XXXX. I have contacted XXXX. XXXX XXXX as well as XXXX  to advise them of incorrect credit reporting since XXXX XXXX XXXX is reporting currently that this is a new debt from XX/XX/XXXX so I am being denied credit to purchase a home because of this debt being re-aged. This clearly exceeds the guidelines outlined in the FCRA and yet neither company is taking any action to rectify this situation.
Consumer complaint received 2018-06-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (TX)

XX/XX/18 I have contact Experian spoken with XXXX to verify account and was told account was sold to XXXX XXXX XXXX XX/XX/2018. I have request document on file to confirm account as of today XX/XX/18 I don't have documents. 

XX/XX/18 I have spoken with XXXX XXXX to verify account and was told account was sold to XXXX XXXX XXXX XX/XX/18. This is ( 2 ) different sold dates. 

XX/XX/18 I have contact XXXX XXXX XXXX to request validation of debt and still have not received documents as of XX/XX/18 XX/XX/18 I have contact XXXX XXXX XXXX spoken with XXXX, XXXX and XXXX XXXX to confirm account by requesting validation of debt.