davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (VA)

I was led to believe that I could not receive a loan without signing up for an add-on product. I believe they added the products to paperwork without verbally informing me of the products were included or optional, a practice referred to internally as pre-packing. the amount was {$15000.00}
Consumer complaint received 2021-04-03
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. (IA)

Fraudulent inquiries outside of XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/2020 and XXXX XXXX XXXX in XX/XX/2020. The bureaus have refused to remove these even after several disputes and phone calls with them.
Consumer complaint received 2021-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Capital One is reporting an erroneous debt on my credit file. I recently looked at my credit file and noticed this debt reporting. I immediately called and settled this debt. I was never aware that I had this debt with Capital One as I never received phone calls, mail or correspondence from them. I ask that Capital One removes this account for violation my 30 day right to dispute.
Consumer complaint received 2017-07-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Select Portfolio Servicing Inc. in conjunction with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX have engaged in an extensive and pervasive pattern of discriminatory practices. We have been victims of mortgage and modification discrimination. SPS has rejected my multiple attempts to modify my home and refused to accept my KYHC and HAMP Programs imposing different terms and conditions without proper explanation. SPS has even gone to the extent of automatically transferring me to a XXXX speaking representative after stating my name. They once suggested I rent out the rooms to different XXXX families so I can catch up with my payments!! I would like to see a monthly/yearly report of the closed cases of foreclosure to show how SPS Inc. along with the above mentioned Banks discriminate the XXXX consumer and wrongfully denies modifications and forecloses on their homes!!
Consumer complaint received 2021-04-03
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. (FL)

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (PA)

I am consumer XXXX XXXX and I have requested several times that EXPERIAN send my my credit report. There are some inaccurate items that are false and EXPERIAN does not have my consent to report any of my information. EXPERIAN has assumed a role by XXXX which means they need the consumer 's consent to report my information. I'm demanding reinvestigation results and contents of investigation to be sent by mail to the consumer. EXPERIAN is violating my consumer rights pursuant to the Fair Credit Reporting Act.
Consumer complaint received 2021-09-13
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. (IN)

The student loan supplier is submitting different and inconsistent information to all credit bureaus. I have disputed these items to the credit bureaus and the student loan supplier verifies the information as correct. It is obvious that the all the different information being reported to each bureau can not be correct. They should be reporting the same information to all the credit bureaus. l have brought this matter to their attention and yet I have not been able to get this problem resolved.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

I mailed out dispute to Equifax, XXXX and XXXX about my name being incorrect on my report and wrong mailing addresses on my account more than 30 days ago. I included my License, Social Security and even a recent bill for verification.
Consumer complaint received 2020-05-29
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: AFNI INC. (AR)

I recently submitted back towards the end of XX/XX/2020 early XX/XX/2020 a Identity theft affidavit ( # XXXX ) ( to XXXX, XXXX, and XXXX  who was also included along with the affidavit ; a copy of my drivers license, social security card, and a recent copy of a utility bill. The Affidavit included specific detailed information relating to fraud related accounts due to identity theft which were XXXX XXXX # XXXX, XXXX XXXX # XXXX, AFNI # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX, XXXX XXXX # XXXX, and XXXX. XXXX and XXXX  both failed to adhere to section 605b of blocking fraudulent information after being notified within 4 business days by a consumer. In addition XXXX  failed to investigate my dispute by responding with report # XXXX for XX/XX/20 stating they are declining my request and would require a copy of an identity theft report, drivers license, and social security card which is THE SAME INFORMATION THAT I SENT TO XXXX   WITH BOTH OF MY INITAL DISPUTES. This clearly violates section 609 and 611 of the Fair Credit Reporting Act and is a deliberate refusal to honor my request. Yet it has beyond 30 days and these fraudulent accounts still remain on my credit file which is against the FCRA guidelines. Due to the numerous violations these fraudulent related accounts should be removed immediately from my credit report from collectors as well as the bureaus.
Consumer complaint received 2016-04-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BMO Bank, N.A. (NY)

BMO Harris advertises that " Open a BMO Harris checking account ( BMO Harris Select Checking and BMO Harris Portfolio Checking ) and receive a bonus of {$200.00} when you set up a qualifying recurring direct deposit of at least {$300.00}. '' I have completed the requirement many months ago and they have refused to pay the bonus.
Consumer complaint received 2015-07-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION (AL)

I was contacted by my mortgage lender because my payment had run late. During the call, the agent repeatedly told me the bank WOULD NOT cash my check, as it was not the amount they were looking for. He then falsely stated that it was because I had a shortage in my escrow ( not that it was the late fee ), and requested that I make a payment over the phone. After doing so, the bank took the phone payment, and cashed the check, on the same day, leaving me overdrawn ( Had only XXXX payment been processed, I 'd have had a positive balance ) After contacting the bank to dispute the double charge, and after having my bank also file a dispute, I was informed that it would be ten days before they could return my money. When I called, later, to inquire why it would take ten days, the bank stated that they held checks for that period, in case of situations where there was an error, like the one I reported, or a stopped check. At this time, I have been 3 weeks with no money, and it has placed my finances in disarray, threatened the health and welfare of my family, and may cause other ill effects. Additionally, I believe the bank has been untruthfully changing my payments, year to year, despite my fixed rate loan. Also, at this time, despite the dispute being started on or around XXXX XXXX, I still have not been reimbursed.
Consumer complaint received 2021-10-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: National Student Debt Advisory Corp. (GA)

Hello, I believed I got scammed. I received a a phone call from National Advisory regarding forgiveness for student loans. I was rushed to sign documents, and provide credit card information and social which I unfortunately provided. 

I am needing help to cancel this third party.
Consumer complaint received 2021-04-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (NY)

Comenity Bank/Lane Bryant has violated all of my consumer credit rights. Attached, are the documents I sent them, notarized affidavit of truth proving the facts, and my certified mail receipt copies. They have XXXX  days to send me my remedy. On XX/XX/XXXX I sent them a Cease and Desist, Invoice for XXXX violations, Affidavit of Truth, and Exhibits. Comenity Bank/Lane Bryant is in violation of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX.
Consumer complaint received 2018-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX is reporting erroneous information on my credit report. They are reporting & attempting to collection a debt for XXXX XXXX that has already been paid and the deed transferred. IT even says Paid in full on the report yet they continue to update a balance and attempt to collect an erroneous debt. 
The credit bureaus have been disputed as well and unless they can provide proof that this is mine, NOT XXXX XXXX ... the creditor & the bureaus are all in violation and the next correspondence will be from my attorney & I am contacting the attorney general in your state of operation.
Consumer complaint received 2021-09-13
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. (IN)

The student loan supplier is submitting different and inconsistent information to all credit bureaus. I have disputed these items to the credit bureaus and the student loan supplier verifies the information as correct. It is obvious that the all the different information being reported to each bureau can not be correct. They should be reporting the same information to all the credit bureaus. l have brought this matter to their attention and yet I have not been able to get this problem resolved.
Consumer complaint received 2019-03-04
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Business Corporation (AL)

I was contacted in XX/XX/XXXX to collect on a loan originally with XXXX XXXX XXXX. Held as security on said loan was a car that we were riding in when in an accident XX/XX/XXXX. Insurance adjusters deemed the car a total loss.XXXX charged off the balance in XXXX, we were not aware there was a balance remaining after insurance issued payment to XXXX. We received a phone call in XX/XX/XXXX from XXXX XXXX XXXX stating we owed a balance to XXXX  regarding vehicle totaled in XXXX. We made payment arrangements and began repayment on XX/XX/XXXX of {$150.00}. Same amount was paid on or around the XXXX of the month through XX/XX/XXXX. At this time we were in the process of selling our current home and buying a new one and found out that our credit score significantly dropped. It was determined that XXXX XXXX XXXX had transferred our account to XXXX XXXX XXXX. Our credit report revealed that the transfer occurred in XX/XX/XXXX ; however, we had continued to make payments to XXXX XXXX XXXX through XXXX. We were not notified in writing of the new company servicing the debt and the balance did not reflect payments made XXXX - XXXX. We contacted XXXX XXXX immediately to explain the situation and make arrangements to pay the amount in full to improve our credit score so that we could proceed with our new home purchase. To date, our balance has not been adjusted to reflect payments made from XX/XX/XXXX - XX/XX/XXXX despite the fact that proof of payments has been provided. Our credit report still reflects balances owed to both collections agencies, reporting as a duplicate item further impacting our credit score. It is our wish through this dispute to correct the amount owed and obtain a payoff amount so that we can pay the account in full and be assured that this debt will be settled. It is also our request that our credit reports be updated and our credit score adjusted to reflect the payoff as quickly as possible so that our home purchase is not affected.
Consumer complaint received 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NE)

On my Experian Credit report there is an account that exceeds the 7 year time frame for reporting. XXXX XXXX XXXX first went delinquent per my credit report on XX/XX/XXXX and therefore should have been deleted effectiveXX/XX/XXXX and is still on there. This should be deleted effective immediately
Consumer complaint received 2021-04-05
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)

There are two issues that I am having disputing incorrect information on my credit report with Equifax : XXXX XXXX XXXX : 1. A copy of the paid and full letter was sent to Equifax along with the request to remove the inaccurate information from my report. They responded that they verified it was accurate which is not correct. The company sent me the letter directly saying it was paid in full two times now and Equifax refuses to delete the information from my report. They are still reporting a {$40.00} balance which is not accurate. 

XXXX XXXX 2. A copy of the settled in full agreement was sent to Equifax yet they are still reporting a {$440.00} balance which is not accurate. The balance should be XXXX  and the item should be removed from credit reporting. I have again attached the confirmation directly from XXXX  XXXX stating the account is now settled in full. 

Both of these accounts have been successfully removed from XXXX and XXXX after pay off however Equifax has not been compliant in removing the in accurate information. I have attached again here the confirmation of settled in full accounts and the refusal of Equifax to delete the information although it is not accurate.
Consumer complaint received 2020-04-13
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

The issue is much more related to my ability to reach Experian for clarity on my credit report. I have spent two days trying to reach some, was hung up once and as of today I have been on the phone for a 1 hour and a half on hold. The first person who I reached the 55-minute mark, was in the XXXX and was not aware of the Senate Bill S.2592. It appears Experian is just interested in selling their membership and if you do not have one they connect you with someone in another country that is not familiar with United States law.
Consumer complaint received 2018-09-27
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd. (IL)

I have spoken with Harris & Harris and they assured me they would stop attempting to call me regarding medical debt that I have disputed. In spite of that, they are now calling me at my place of employment. I want this harassment stopped immediately and a copy of this complaint is being filed with my attorney for possible litigation.
Consumer complaint received 2023-04-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (NC)

This a collection with National Credit Systems for a debt that is not correct in amount. I disputed this amount with XXXX and XXXX in XX/XX/XXXX, and twice in XXXX of XXXX. I requested physical proof, not just invoices or being told the amount is owed, copies that {$4500.00} is owed. Hard evidence. Each time disputed, these bureaus are saying the debt is valid with no research. I cant get in touch with National Credit Systems through any method of communication. I have sent email messages as well. The company knows there is no hard evidence or proof of this debt so they are avoiding and keeping it on my credit report.
Consumer complaint received 2021-09-13
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: CBC Companies, Inc. (OH)

Sent Innovis a method of verification letter after disputing several accounts in my credit profile. I did not receive the requested information within 15 days according to FCRA 611 ( a ) ( 7 ). Innovis sent the results within 30 days later and listed all disputed accounts as " verified '' with without further explanation or documentation. Called to speak to a representative and supervisor. They stated that all investigations are conducted electronically through their system, they don't have to send me a method of verification, and a thorough investigation was not completed. This is a violation of my rights.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MI)

This is a formal request for the details of the procedures used to determine the accuracy and completeness of the information in dispute because you told me you verified the accounts and that they belong to me but have not provided proof. It is scary to think that you did not do as you are governed by the Fair Credit Reporting Act and that other consumer might be affected, as well. Having this type of information on a persons credit report is unfortunate and severely damaging but having incorrect damaging information on a persons credit report is unacceptable. 

The following accounts don't belong to me at all so please look into this for me. 

XXXX - XXXX - Last month I sent you a letter stating that this needs to be looked at. I see no proof of an investigation done at ALL! There are XXXX different activity dates being reported. Investigate this account and provide proof it was done! Remove this inaccuracy from my credit report or I will sue! I do not know what this is. Please investigate and remove from my report. 

XXXX - XXXX - Last month you stated that this is reporting accurately. However, I see XXXX different activity dates being reported on this account. Show me the proof that this is actually my account otherwise delete this from my credit report. 

I am requesting a detailed explanation of how you received these specific responses. 

Please forward this information to me within 15 fifteen days of receipt. As I have previously stated, this account is incorrect and needs to be deleted. Please send me a corrected credit report along with the description of your investigation.
Consumer complaint received 2024-03-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Lendmark Financial Services (GA)

I spoke to XXXX on or about XX/XX/2024 and requested information about the insurance that I was paying for on my account and he answered me with the question " Why do I want to know about the insurance and I should have read the information when I signed the documents. 

I also stated that the employee that signed me up told me that if I were to cancel the insurance products that my payments would decrease and XXXX told me that was untrue. 

I expressed my concern with this wrong information and he was very rude and said to think about canceling the insurance without explaining it to me and disconnected the call. 

I finally spoke to a XXXX in XXXX on XX/XX/2024 who asked me the same question about canceling the insurance products and she then placed me on hold and disconnected the call. When I called back I left a XXXX and still have not heard from her.