davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

XX/XX/2017 I was informed that my HELOC interest rate would be changing monthly. This is not the correct term of the loan. my rate is tied to prime is to to change annually in XX/XX/XXXX. I have called several times and they tell me that the research they did does not show that it is tied to the prime annually. It is very clear on the recorded mortgage that it is tied to prime annually. Also, the max rate is not 18 %. That needs to be looked into also. 

In XXXX I spoke to someone again and they said yes the loan has been set up in the system wrong and it is only supposed to change annually not monthly. We also talked about the affect the hurricane had on me making the payments. She was going to see if they could move the payments to the end of the loan and check on getting the loan terms corrected in the system. I never received a phone call or any documentation in the mail stating that the research had been done, rate change was fixed and a credit given for any overages, and no solution about the hardship during hurricane irma ( 2017 ). 

I continue to get past due letters. I am on a fixed income and am approaching XXXX.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Under the FCRA XXXX XXXX, and TransUnion are legally obligated to provide identical information. There are a number of falsely reported accounts showing negatively on my credit report and none of the reporting are identical to each other along with having a large number of inaccuracies. These companies are abusing my rights as a consumer and i demand these negative accounts be removed immediately.
Consumer complaint received 2018-06-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (GA)

I was at work and got a call ( first a voicemail ) from someone who said they were with XXXX, XXXXXXXX XXXX XXXX. Because I had another account that I was under wage garnishment, this scared me and I thought they were real. They left a message that they were serving papers and needed to verify someone would be home Tuesday between a certain time. I called them back and they repeated this and when I asked the amount, they said " with the judgement, it is ... .. ''. I told them I didn't realize I had a judgement, I must not have gotten court papers. They said to save my credit they would work with me and reduce it down. THey said the debt was for GE Capital. I have NEVER received anything from this firm in writing about this debt, but because I didn't want a cop showing up at my home, I had them work a settlement. I gave them my credit card and asked for an email to confirm. WHen I got the email, it had the account number, so when I got home, I checked my credit report from XX/XX/XXXX on my computer and could not find it. I called them back and they did not want to provide the info. I kept repeating that I did not have that account number and then after telling them I was having XXXX dispute the charge, XXXX XXXX said it was a Lowes card from XX/XX/XXXX-XX/XX/XXXX. He never gave this info initially. They were clear they were issuing a judgement if I didn't pay it. I called XXXX to dispute the charge but they had to wait for it to actually post. I emailed XXXX XXXX back that I would not sign the credit card receipt and he basically said he didn't care because they have a voice recording and they record because of " people like me. '' This happened on XX/XX/XXXX.  The credit card charge was for {$910.00} and it wasn't even charged under the correct business name. I was speaking to XXXX, XXXXXXXX XXXX XXXXXXXX and the card ran as XXXX XXXX XXXX. THe address for the law firm was XXXX and the company that charged me was in XXXX XXXX XXXX. I now have no idea who has my XXXX card info. Again, nothing was provided in writing, nowhere in the conversation did they say I can dispute the debt and I never received anything by mail from them. They also did not state " This is an attempt to collect a debt. '' They asked that I return the credit card receipt signed-I refused. To this date, I have not signed the credit card receipt.
Consumer complaint received 2021-05-22
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. (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 im 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 promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

Pro collect shows up on my credit report to owe {$210.00}. 

I contacted the collection agency, at XXXX XXXX in attempt to pay the debt. When they refused to provide a proof of payment or receipt of payment by email for me I asked to speak with a supervisor or higher authority, the lady put a man by the name of XXXX XXXX on the phone, he refused to tell me his first name because he said that it is against their policy I went on to ask his position, he told me that he is a recovery specialist I asked if he was a manager or supervisor and he told me no. I told him that I specifically asked to speak with a supervisor or someone of higher authority and he told me that he could not allow that. He then stated my name to be XXXX XXXX I told him that is not my name and he then asked for my name. I said Im not giving my name since you have my social tied to someone else, he then said that there is two names and he just assumed mine was XXXX XXXX. I refused to give my name after discovering that a different name is tied to my social. He then began trying to force payment by asking for my card number while yelling at me that he was putting me down as refusal to pay. He continued to talk over me when I continued to ask for a supervisor. Repeating that he was putting me down as refusal, he told me there isnt a reason for me to speak with a manager that there isnt an issue. I told him that they have my social tied to a different individual and he just continued to yell that he has updated my status to refusal to pay and I stated again that I didnt say I was refusing to pay but that they have incorrect information against me. I never received anything in the mail, they didnt even have my address but asked for it.
Consumer complaint received 2017-12-01
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. (WI)

I have recently pulled my Experian credit report and noticed accounts that have been investigated and deleted by another credit bureau are still being reported by Experian. 

Attached to this letter is proof that these accounts were deleted. Please follow suit and delete the accounts for accurate reporting. The must be deleted in order to show my true credit history. 

XXXX has removed all the accounts listed below
Consumer complaint received 2024-01-31
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: Experian Information Solutions Inc. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend the following accounts : XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-08
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. (AZ)

Submitted numerous disputes with fraudulent credit card, XXXX Credit Card, and with all of the credit bureaus, showing on my credit report. Submitted multiple times, through fax and mail my police report, identity theft report id and copy of the regulations requesting immediate deletion from my credit report. XXXX and XXXX  have both deleted this account. Equifax has NOT. I followed up numerous times to get status updates and have been told for over 30 days multiple times that it was still being investigated. This needs to be corrected immediately.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them DELETED from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-02-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Hello, I opened an account with with XXXX XXXX on XX/XX/XXXX. I fell on financial hardship and wasn't able to pay any longer. They sold my account to portfolio recovery they started reporting XX/XX/XXXX. I sent them a validation letter all they sent me was a bill back their wasn't a contract or an original signature attatched to it. I also looked up and they aren't able to collect in Maryland because their license expired in XX/XX/XXXX. It is a violation for them to collect with an expired license due to the FCRA.
Consumer complaint received 2018-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Karma (RI)

So for the third time my father who has the same name as me reported his debt collection on XX/XX/2018. The creditor is XXXX XXXX. I've disputed this twice already in the past months. I am XXXX years old and still live with my mom. The electricity is in her name. So nothing for XXXX XXXX is in my name. He knows my information such as social and address so I know its him as he previously done this already. We also have the same name so that is exactly why this is repetitive. Please help
Consumer complaint received 2017-12-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (WI)

There was a promotion with us bank that if I made two transactions per month I would receive XXXX by XX/XX/XXXX I. After I talked with XXXX and another male banking officer at XXXX Wi, I went to Us Bank XXXX. She told me I only needed to make one transaction per month and that XX/XX/XXXX I, I should receive my money. Today is XX/XX/XXXX I. I talked with. XXXX, Us Bank. XXXX Wi, who said she would send an email and wait for a response. XXXX from Us Bank told me this last month. Us Bank. Doe Not Keep their word, and Us Bank in XXXX Wi never get back to you. I want my {$200.00} today. 

I feel I have Being Scammed! 

XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Wi. XXXX XXXX
Consumer complaint received 2018-01-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (NC)

I have never received any communication via email, mail, or phone to validate this debt and therefore dispute this debt against XXXX XXXX XXXX and XXXX. Also, upon further investigation, this company reports multiple ways with the credit bureaus. With XXXX, they report as XXXX XXXX XXXX. However, with XXXX, they report as XXXX XXXX XXXX. In the XXXX of North Carolina, collection agencies are required to be licensed and/or registered with the Secretary of State. XXXX XXXX XXXX is currently under a WITHDRAWN status.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2021-05-19
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. (NY)

I have disputed this acct numerous times. I have received a letter from the company saying it will be removed from my credit report and it still has not. The letter is attached. 
I sent the bureaus the attached letter more than 30days ago on XX/XX/2021 along with dispute letter.
Consumer complaint received 2018-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (FL)

i turned in my lease on XX/XX/XXXX to purchase a new XXXX vehicle,, the dealership paid off my remaining lease payments so i could purchase the car,,, ,i had a 48 month lease started in XX/XX/XXXX .... 
so after the paperwork was finalizied i get a letter in the mail on XX/XX/XXXX, ,that i owe more then what i was told when i called for payoff the day i turned over car,,,, It was for other amounts such as disposition fee of XXXX which were paid when the dealership paid off car,,, also sales tax fees XXXX, ,and a sales tax fee XXXX.they also have a adj lease balance of XXXX ..but when i called for payoff they told me a couple of times it was XXXX ... they have total liability was XXXX ... so the difference they have is XXXX ... but they have put on my credit report that this car was not paid for 8 months,,, and my lease pmt was XXXX per month ... that is wrong i never paid 1 payment late in almost 48 months ... .also they dont show the amount paid anywhere,,, ,i have tried to contact them for the past several months also sent the credit bureaus copies of check i sent them to payoff car,,, because they are showing i havent paid this car in months, ,when actually my lease was up in XX/XX/XXXX ... .can you help me with this??
Consumer complaint received 2017-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX credit card has not updated my balance since X/X/2017 causing me to have a lower credit score. 
I want to buy a house and the lower ( incorrect ) score is causing me to have to pay a higher interest rate for a mortgage.
Consumer complaint received 2017-11-29
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. (SC)

XXXX XXXX has been reporting an unverified account to two of my consumer credit reports XXXX and Equifax. I have requested that he information being reported is investigated properly with no avail except for a response of " verified ''. I have specifically asked in several documented and tracked letters for both companies to provide me with the avenues taken that gives them the legally right to report this account to my credit report and have yet to receive an appropriate answer. I have never received notification from said company verbally or written. I have also advised both companies that the electronic system used to supposedly verify items is not sufficient enough as anyone especially a third party paying for their service could easily fax, mail, or email over fraudulent information. It is my right according to the FCRA to have this properly and completely verified and my request to be taken seriously as it is my credit reputation and tarnishing of my good name that is at stake. Not to mention both companies as taken over the thirty days in which to respond to said disputes primarily their method of verification which only gives them 15 days to comply/respond to request. On these grounds alone I am requesting that this account be removed from my credit file.
Consumer complaint received 2017-12-01
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. (FL)

On XXXX XXXX, 2017, my account was paid in full to XXXX XXXX ( City of XXXX ) and I was told by an associate that the collection will be deleted from all 3 credit bureau reports once paid in full. Experian deleted the collection the next day. Now, the collection is back on my report and I was not given the 5 day notice required by law before a collection is reinserted under the same name. Also, on XX/XX/XXXX, I received a voicemail from XXXX from the City of XXXX stating to give her a call back. She claimed in the response that we spoke and resolved the issue but Ive not spoken with her at all. I received the voicemail well after the collection was deleted, not before. So she lied.
Consumer complaint received 2018-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (TX)

in XX/XX/XXXX I was going to court reporting school and in a bad relationship, before graduating I suffered from XXXX  and XXXX XXXX XXXX, XXXX XXXX had a XXXX  stipulation should you become XXXX the loan would be forgiven well in XX/XX/XXXX, my income tax was taken for default, due to XXXX XXXX my daughter and I had to move alot, and I'm still fighting this and I need my my tax refund
Consumer complaint received 2022-04-01
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose