davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I AM ATTEMPTING TO AVOID A FORECLOSURE SALE BY COMPLETING A SHORT SALE TRANSACTION. MY SERVICER HAS COMMITTED SEVERAL BLUNDERS THAT HAVE DELAYED MY SHORT SALE TRANSACTION. XXXX INCREDIBLE ERROR INVOLVED THE FACT THAT THEY MISTAKENLY COMPLETED A FORECLOSURE SALE WHILE PROCESSING MY SHORT SALE REQUEST. MY SERVICER, SELECT PORTFOLIO SERVICING ( SPS ), ADMITTED THE ERROR AND TOOK XXXX MONTHS TO UN-WIND THEIR MISTAKE. THIS CAUSED FURTHER DELAYS IN THE ABILITY OF MY REAL ESTATE AGENT TO PROPERLY MARKET THE PROPERTY AND OBTAIN OFFERS. NOW THAT I AM JUST ABOUT READY TO CLOSE THE TRANSACTION, I HAVE BEEN INFORMED THAT THE INTERNAL REVENUE SERVICE NEEDS A LITTLE MORE TIME TO PROCESS A PARTIAL LIEN RELEASE ( FOR MY HUSBAND XXXX ). THIS RELEASE IS NEEDED PRIOR TO CLOSE. IT IS ESTIMATED.THAT I MAY NEED AN EXTENSION FROM MY SERVICER TO XXXX XXXXXX/XX/2015. MY SERVICER HAS A SELF-IMPOSED XXXX XXXXXX/XX/2015 DEADLINE FOR SHORT SALE APPROVAL AND A XXXX XXXX SALE DATE. THE MAJOR ISSUE, XXXX AGAIN, IS THE PROCESSES AND PROCEDURES ESTABLISHED BY THE SERVICER. THESE PROCEDURES ARE PURPOSELY DESIGNED TO SET-UP FAILURE. A REQUEST FOR AN EXTENSION HAS BEEN SUBMITTED BUT THE PROCESSOR TAKES 10 DAYS TO PROCESS AND MANAGEMENT WILL TAKE ANOTHER 7-10 DAYS TO APPROVE. THIS SYSTEM IS BLATANTLY UNWORKABLE IN A SHORT SALE ENVIRONMENT. I HAVE ATTACHED EVIDENCE THAT XXXX IS ASSISTING ME WITH THE IRS MATTER.
Consumer complaint received 2016-10-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

I keep getting repeated phone calls from Conn 's regarding a debt, they call every hour, and have even called back to back. One Sunday, XX/XX/XXXX - I received XXXX phone calls from XXXX and none of those times did they leave a message. I have a file that I would be happy to send showing the number of times they called in one day and the frequency and back to back calls - two calls in one hour - on a Sunday. Today, XX/XX/XXXX, I 've so far received 5 calls before XXXX thru XXXX - again - robocalls with no message left. I have told them not to call back to back and it was crazy for them to call that many times on a Sunday, and that I would be filing a complaint. 

here is the frequency and proof of no message left - as it was just a " missed call '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (TX)

I HAVE SENT THIS COMPANY XXXX LETTER TO STOP CALLING ME AND STOP REPORTING THIS ON MY CREDIT. THEY NO LISTEN TO ME AND I CANS NOT TAKES THIS ANYMORE.
Consumer complaint received 2024-02-25
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. (NJ)

XXXX, XXXX and Equifax Fail to provide notice of dispute sentence on my credit report which is a violation of my rights as a consumer. According to FDCPA Section 807 ( 8 ) A person have 30 days to update consumer report with a notice of dispute sentence on credit report and that was not done on a lot of my accounts which I would attach proof with to this complaint I disputed with The CFPB on multiple occasions. Some Bureaus was giving more than 30 days still no update so NO investigation was done. This a violation of my right delete these account immediately From XX/XX/XXXX to XX/XX/XXXX and even before that NO NOTICE OF DISPUTE so no investigation was done to my credit delete immediately for this violation. 

FDCPA Section 807 ( 8 ) 807. 
False or misleading representations [ 15 USC 1962e ) ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

FCRA Section 623 ( a ) ( 3 ) 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2| ( a ) ( 3 ) Duty to provide notice of dispute. If the complete-ness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
Consumer complaint received 2022-03-29
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: Experian Information Solutions Inc. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.
Consumer complaint received 2019-02-23
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: Innovis (GA)

accounts had been opened in my name, this is a written request to block this accounts from my credit report in accordance with FCRA, fraudulent information should be block from consumer credit file. An FTC report had been filed as well as a XXXX police report # XXXX. Upon completion of the review please remove all none account holding inquiries and all addresses other than my current to prevent others from using my identity, I also would like a copy of the updated report.
Consumer complaint received 2022-08-15
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)

This letter is my FINAL formal complaint that you are reporting inaccurate credit information on my credit report. I have filed complaints thru the Consumer Financial Protection Bureau on XX/XX/21, XX/XX/21 and XX/XX/21. I am very distressed that you come back every time after your investigation that this information was verified. The information I am disputing for the very last time is XXXX XXXX XXXX. The balance owed is incorrect. You are reporting {$5100.00} when the balance is {$4300.00}. I have attached 2 sets of documentation to this complaint for you to review. One of the documentation is taking straight from XXXX  Website under my account. The other documentation is a screenshot showing that you along with the other 2 credit bureaus are each showing inconsistencies. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either you or the reporting creditor 's part. With the proof I'm attaching to this letter, I'm sure you'll agree, you either correct this or it needs to be removed as soon as possible. I am a litigious consumer. This is my 4th and final time asking to correct or remove this inaccurate information, if you return back that the information currently on my credit report is verified and accurate I am filing a lawsuit immediately.
Consumer complaint received 2016-04-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Corp Solutions Inc. (MD)

filed complaint XX/XX/XXXX # XXXX that this is debt is not mine.received letter dated XX/XX/XXXX offering discount settlement.never shopped at store listed. ss # listed on debt is not mine
Consumer complaint received 2023-03-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report. After reviewing my report, I have noticed that there are several errors that need to be corrected. I am hoping that you will take the necessary steps to correct these errors as soon as possible. 

Firstly, there are several items of personal information that are incorrect. The account numbers associated with my previous addresses at XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, FL XXXX in XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/XXXX are incorrect. Additionally, the employers listed for account numbers associated with XXXX XXXX XXXX and XXXXXX/XX/XXXXare incorrect. 

Furthermore, I am confused as to how the XXXXXX/XX/XXXXy case with Case Number XXXX was verified on my credit report when other bureaus were not able to verify it. I request that this inaccurate information be removed from my credit report immediately. 

I also dispute several unauthorized inquiries on my credit report. The following inquiries have reached the statute of limitations and must be removed : XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXXXX/XX/XXXX LXX/XX/XXXX, and XXXX XXXX XXXX ( inquiry on XX/XX/XXXX and XX/XX/XXXX ). Additionally, the following inquiries must be removed immediately as they were not authorized : XXXX XXXX XXXXXX/XX/XXXX ( inquiry on XX/XX/XXXX ), XXXXXX/XX/XXXX( inquiry on XX/XX/XXXX ), XX/XX/XXXX ( inquiry on XX/XX/XXXX ), XXXX XXXX ( inquiry XXXX XX/XX/XXXX ), XXXX XXXX ( inquiry on XX/XX/XXXX ), and XXXXXX/XX/XXXX ( inquiry on XX/XX/XXXX ). 

Finally, I dispute several accounts listed on my credit report. The payment status, balance, comments, payment history, and account numbers associated with XX/XX/XXXXXXXX, XXXX. ( account number XXXX ), XXXX ( account number XXXX ), XXXX ( account number XXXX ), and XXXXXX/XX/XXXXXXXX ( account number XXXX ) may be incorrect and must be verified, fixed, or deleted from my report. 

I appreciate your attention to these matters and request that you contact me as soon as possible to confirm the removal of these inaccuracies. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-03-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: SYNCHRONY FINANCIAL (FL)

The CARD Act requires that my credit card due date has to be at least 21 days from the day the statement is sent. So, that 's 21 days plus 30 days before any late payments are reported to the credit bureaus ... or 51 days. My account with Care Credit / Synchrony Bank was not 51 day past due. Nonetheless it ( my account ) is inaccurately being reported to multiple credit bureaus as a late payment.
Consumer complaint received 2020-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (OK)

Carhop sold me back to back dangerous and improperly working vehicles. After the first one, I was given the option to pick another vehicle. The vehicle I chose was also mechanically unsafe and unfixable so instead if chosing yet another vehicle, I wanted out of the contract. After being told I was being released of all responsibility. I find out the loan was still open on my credit causing me to have to purchase another vehicle elsewhere at 21 %. Then when it closed, it was in a derogatory " settled for less than full balance '' status. Then it reported a late payment in XXXX 2018. I was never late and account was closed in early XXXX. I have contacted them and disputed multiple times.
Consumer complaint received 2015-05-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

For the past 8 months I have tried to have fraudulent information that was once removed from my credit readded by Transunion. I have supplied them with a valid police report that was stamped and signed by the police office and to date they have done nothing but ignore me. 
The fraudulent accounts that were once removed and re-added to my credit are as follows XXXX XXXX XXXX XXXX XXXX Tax Lien ref # XXXX judgment ref # XXXX
Consumer complaint received 2016-09-20
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: CASHCALL, INC. (CA)

Previously filed a complaint - [ Case number : XXXX ] Debt collector contacted me several times, via email and phone ( leaving messages at work and cell ). 
This is a violation of the Stop contacting me request I sent via Certified mail. Additionally, they have not complied with providing the debt validation within the 15 day period after receiving the letter.
Consumer complaint received 2022-08-06
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TX)

I have a vehicle that was repossessed by XXXX XXXX XXXX XXXX in the State of TEXAS on or about, XX/XX/XXXX, and resold on or about XX/XX/XXXX. Under the laws of the State of TEXAS UCC 9.614 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I have a reported balance of {$9800.00} showing on all three of the credit bureaus. I was never provided with copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. I have reached out to all three of the credit bureaus as well as XXXX XXXX for proof of the resale of the vehicle and have yet to receive anything.
Consumer complaint received 2015-09-11
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

For Trans Union, I received PRE-APPROVED pappliations for XXXX credit cards. They then reported these as hard inquiries. I read that if you are pre-approved, it will NOT be reported as a hard inquiry. Please investigate this for me. XXXX cards were received and are active. 

On my XXXX report there are XXXX hard inquiries from XXXX within a 3 week period. I did not authorize XXXX these inquiries. Why would they need XXXX checks in 3 weeks, anyway? Also, I also was hard-checked by XXXX in conjunction with the XXXX account. They collaborate to install internet, phone and TV services. Also, I already had an account with XXXX. There was no need to do a hard check on an existing account. I just moved. In short, there were XXXX hard inquiries to open XXXX account. Please help me with this problem.
Consumer complaint received 2016-09-28
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

The QUICKSILVER credit card from Capital One is a high-interest credit card ; assigned APR is greater than 25 percent. I ask about every two months for a reduced APR. Capital One always declines. Capital One will not give me direct contact information to the HQ office that sets APR rates. This morning, for instance, I chatted with two people online and talked with nine people by telephone without results. 
My payment history with Capital One is EXCELLENT ; my payments are always much greater than the minimum. 
The Marketing Department, which I 've been told is the department that sets APRs, is unreachable by phone or email. 
Additionally, Capital One is not properly crediting the 1.5 percent cash back that I should be receiving on all purchases. Moreover, Capital One calculates the APR improperly ; said calculation results in higher monthly interest, and, hence, higher APR ( closer to an effective 50 percent APR ).
Consumer complaint received 2019-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TN)

I orginally took out a student loan for amount of {$2000.00} in 2010. With the accrued interest the balance is over {$3300.00}. Also it includes every school I have attended thereafter. However they are not reporting my accrued interest correctly so when I file my taxes, it seems as tho i am only paying in the principal amount. Accrued interest is calculated everyday however they are reporting it incorrectly.
Consumer complaint received 2015-08-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alliance One, Inc. (VA)

Prohibit of providing documentation of debt not owe. This issue is causing me and my family to be displace from my home. I 'm in the middle of trying to purchase a home. because of this showing on my credit ive been unable to move forward. 

I have called the company on XXXX different times, so had the federal organization. we each have identified ourselfs to get help nothing has happen.
Consumer complaint received 2018-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XX/XX/XXXX I filed a Bankruptcy Chapter XXXX, this debt was included as part of the case. On XX/XX/XXXX XXXX filed a Notice of Assignment of Claim and Transferee Notice of Transfer of Payments. From XXXX XXXX XXXX/ XXXX/XXXX/XXXX XXXX XXXX   TO XXXX ( XXXX XXXX XXXX XXXX . A JOINT NOTICE OF TRANSFER OF CLAIM PURSUANT TO FRBP RULE 3001 ( e ) ( 2 ) AND WAIVER OF OPPORTUNITY TO OBJECT was also filed. On XX/XX/XXXX The ORDER OF DISCHARGE was granted to XXXX XXXX and XXXX XXXX. on XX/XX/XXXX and XX/XX/XXXX I started to receive letters demanding payment for this discharged debt. My husband has made a number of calls to them and had our Attorney who handle the BK call and sent them copies of the Assignment and Joint Transfer. We also sent them a copy to which they replied back on XX/XX/XXXX acknowledging that the loan has been paid off with a XXXX balance. Between XX/XX/XXXX and XX/XX/XXXX XXXX sent me a new monthly bill and reported a 30 day late to the credit reporting agencies dropping my score by 65 to 80 points.
Consumer complaint received 2017-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NJ)

Today I received 3 envelopes from Navient -- one for bill/statement due for $ XXXX dollars due in a few days, one for 3 different minimum payments, one for how my payments would be processed. The one with the due bill showed that my student loan increased and I had to pay a sum I was unable to afford since I am a participant in the income-based repayment plan. Since I only recently attained a full-time job, I had n't been able to pay my loans before this year and only just managed to save enough money to not worry about paying my loan with my other bills. I never received any notification that my IBR plan was up for renewal ( which it normally is around tax season ) through the mail or an email. When I called Navient to ask about my IBR, I also asked why my student loan suddenly increased from about XXXX to XXXX ; I was told that I was being charged interest when in previous years I was told I was not going to be charged interest since I was a student taking out the loan rather than a parent, etc. I was also told that I would not be charged interest on a subsidized loan but would be charged interest on an unsubsidized loan -- I have both and saw on my online account that I was being charged interest for BOTH my subsidized and unsubsidized loans, from both of the universities I attended. I am being charged 4.5 % interest on the subsidized loans and 6.8 % on my unsubsidized loans. I even picked another month at random to check, and I picked a statement from XX/XX/2016 and compared it to the statement I was mailed ; the XX/XX/XXXX statement was the original amount I knew I owed WITHOUT any interest. I just applied to renew my IBR plan ( now I just have to wait to hear back after my application is processed ) and the representative who helped me put a forbearance through for this month so I would n't have to pay an amount I ca n't afford at the moment. I still do n't understand how I am being charged interest suddenly when I was under the impression the last few years that I would n't be charged interest and I could pay my loan without worrying about accruing much, if any, interest.
Consumer complaint received 2016-01-14
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ad Astra Recovery Services Inc (CA)

Was notified by a collection agency that they were attempting to collect on an online loan made by someone using my name and social security number. The said loan was made in 2014 but the company is just now attempting to collect. Collection agency has not been forthcoming about any information and will not verify any details about the fraudulent loan ; all they want is money.