davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-07
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: AMERICAN EXPRESS COMPANY (MA)

This is a follow up to my original complaint against American Express and their failure to follow the Federal Law and mark my Credit Reports with my Dispute of the account they are reporting with them. I've sent 3 different letters via the USPS Certified Mail and all were signed off on at American Express on XX/XX/2021, XX/XX/2021 and XX/XX/2021. These were all confirmed delivered from American Express ' communication to me in response to my complaint with the CFPB ( Attached ).

American Express has violated the Federal Law and my rights under the FCRA by not marking my Credit Reports within the 30 days allowed per the Federal Law and the FCRA. I've attached Proof of this of my Credit Reports from the following dates XX/XX/2021 ( well past the 30 days of my dispute letter received by AMEX on XX/XX/2021 ) XX/XX/2021 ( well past the 30 days of my disptute letter ( s ) received at AMEX on XX/XX/2021 and XX/XX/2021 ) XX/XX/2021 ( well past the 30 days of my dispute letter ( s ) received at AMEX on XX/XX/2021 and XX/XX/2021 ) I've enclosed all the letters that were sent to AMEX, the USPS Certified Mail receipts that they signed for them and received them, and copies of my Credit Reports on 3 different dates showing they violated the FCRA and Federal Law by not marking my Credit Report with remarks that I am disputing the information they are reporting. My rights have been violated by AMEX not following Federal Law and also my rights under the FCRA. Their failure to follow the Federal Law and my rights under the FCRA, has affected my ability to obtain further credit. This will also be filed with the BBB and the Office of the Attorney General.

Thank You for your attention to this matter,
Consumer complaint received 2021-06-07
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. (CO)

I have a credit card account from XXXX XXXX showing up on my credit report that is showing inaccurate information. In XXXX my ex-wife and I divorced, the judge awarded her this debt. Since the divorce my ex-wife has not paid, it has been written off and is negatively showing on my credit report. I have tried talking to XXXX XXXX and they have said they do not honor divorce judgments. So I went to the credit bureaus. XXXX  has acknowledge this should not show negatively on me ; XXXX  and Experian, however, are saying that XXXX XXXX says the information is accurate. I have provided the divorce paperwork to all of these companies and they just keep pointing me in the direction of the other guy. 
XXXX  cleared this dispute back in XX/XX/XXXX, XXXX  and Experian just finished the disputes ( acknowledged that the information was correct ) end of XX/XX/XXXX however nothing has changed on my reports.
Consumer complaint received 2021-06-07
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. (CO)

I have a credit card account from XXXX XXXX showing up on my credit report that is showing inaccurate information. In XXXX my ex-wife and I divorced, the judge awarded her this debt. Since the divorce my ex-wife has not paid, it has been written off and is negatively showing on my credit report. I have tried talking to XXXX XXXX and they have said they do not honor divorce judgments. So I went to the credit bureaus. XXXX  has acknowledge this should not show negatively on me ; TransUnion and XXXX, however, are saying that XXXX XXXX says the information is accurate. I have provided the divorce paperwork to all of these companies and they just keep pointing me in the direction of the other guy. 
XXXX  cleared this dispute back in XX/XX/XXXX, TransUnion and XXXX  just finished the disputes ( acknowledged that the information was correct ) end of XX/XX/XXXX however nothing has changed on my reports.
Consumer complaint received 2019-11-15
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Avant Credit Corporation (NY)

My compliant against this company is lying after lying. I apply for a loan back in XXXX, and they made a mistake by sending to a wrong person and the loan was return back to them, and they promised me they would return the money to me, and they didn't, and now they are charging me a fee that they took and want me to pay that back when I don't get any money from the crazy people. after calling I gave up and now they are messing with my credit report
Consumer complaint received 2021-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC ()

Frontline assets strategies mailed correspondense to my accountants home address. I did not make any purchases in the amount {$4100.00} delinquency date of XX/XX/2019, also the name on debt letter is not my full name. Your help is very much appreciated
Consumer complaint received 2018-02-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

I have a mortgage loan with XXXX XXXX XXXX as the lender some time ago i was informed by the bank that my loan will be transfer to a new servicer at a certain date, to ocwen loan servicing, over a long period of time i herad nothing from the bank or the servicer i did try to make communication with the servier for over two years but was told that they had not receive any authorization from the bank as yet pertaining to my account, that went on for almost three years, finally they said they will Create an account for me and process a mortgage modification plan for me which they did and giving me a payment in the area of {$1400.00} .per month which i started to pay but when i tried to make a second payment my payment was refused on the grounds that my account was ivalid. and the payment i made will go in escrow, I made a QWR.of which they responded without any clear explination or to explain if they had authorihy to collect payments from me they eventually transfer the created account to another servicer who has it now i think the bank has violated certain laws by collecting mortgage payment without proper authorithy i am not sure if they have any authorithy to make any transfer.
Consumer complaint received 2018-02-09
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 have attached a letter in the attachments area below. I have sent more than 3 certified letters notarized and your company remains to bare inaccurate information on my credit without my consent and continue reporting inaccurate information basically tells me that no one is doing their job. This is my final attempt, if you could provide me with an original contract document showing my signature. If you cant provide me with an original contract it is a violation of FCRA section 609 and I demand that the inaccurate accounts removed immediately within 24 hours.
Consumer complaint received 2021-06-07
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: SLM CORPORATION (TX)

I am trying to get a loan that they offer for flight school at XXXX XXXX in XXXX, Texas. XXXX XXXX works with my school and offers loans to complete flight training. I am 2/3rds of the way done and am trying to get my first loan with XXXX XXXX to complete my training and start my career as a pilot. I have tried numerous times to get the reasons for why my application is being denied and they are not able to explain or give me any reasons. They have told me twice now that they will send a letter of disapproval and they have not and they told me that they would have a supervisor call me back to explain which they have not. I feel discriminated because I feel this company thinks that since I am just young and dont understand how all of this works that I just will not be able to receive a loan from them.
Consumer complaint received 2021-06-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Control, LLC (CA)

I have an open dispute with XXXX XXXX because my checking account that I put on auto pay was compromised and XXXX XXXX also failed to send me any notice or make any attempt to call me to let me know that the payment was not being posted to my account .I spoke to XXXX XXXX executive office Miss XXXX and she gave me a phone number for a city control collection agency the speak to them regarding this account. With the permission of the representative he recorded my call and I recorded his call For our future references .He disclosed to me but he sent a validation letter For the debt Show my home address in XXXX in the month of XXXX. it is not true at all I never received any letter regarding this matter in the month of XXXX. My Mailbox is locked so no one has access to it. He also indicted have an open dispute with XXXX XXXX because my checking account that I put on auto pay was compromised and XXXX XXXX also failed to send me any notice or make any attempt to call me to let me know that the payment was not being posted to my account.I spoke to XXXX XXXX executive office Miss XXXX she gave me a phone number for a city control collection agency the speak to them regarding this account. With the permission of the representative he recorded my call and I recorded his call For our future references.He disclosed to me but he sent a validation letter For the debt Show my home address in XXXX in the month of XXXX. it is not true at all I never received any letter regarding this matter in the month of XXXX. My Mailbox is locked so no one has access to it. He also indicated to me that he wants to collect and verify that from me but at the same time he has no control over what XXXX XXXX does with my account. I just want to clarify that I have a pending case with XXXX XXXX and I will be taking action against them in XXXX County Superior Court And I will include account controlled collection agency for violation of fair debt collection Act especially during covid-19.ed to me that he wants to collect and verify that from me but at the same time he has no control over what XXXX XXXX does with my account. I just want to clarify that I have a pending case with XXXX XXXX and I will be taking action against them in XXXX County Superior Court And I will include account controlled collection agency for violation of fair debt collection Act especially during covid-19.
Consumer complaint received 2021-06-07
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: LendingUSA (NY)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX/XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX/XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft LENDINGUSA Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2022-01-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (FL)

I purchased a car from XXXX on XX/XX/XXXX. Bridgecrest was the lender through XXXX. We secured a much better interest rate through our credit union, XXXX XXXX XXXX XXXX ( XXXX ). XXXX send a check to pay off the loan that was received at Bridgecrest on XX/XX/XXXX. The first payment on the loan was due XX/XX/XXXX. I called after tracking that the check from XXXX had been delivered. I was told it takes about 10 day to process the check. I made the loan payment to Bridgecrest while waiting. I called Bridgecrest about 10 days later ( around XX/XX/XXXX ) and was told it had the check still had not been processed. Made 2nd payment to Bridgecrest. I called Bridgecrest on XX/XX/XXXX. Was on hold for close to 2 hours waiting on a supervisor after I was told AGAIN that the check had not been processed. I called today XX/XX/XXXX and it still has not been processed due to employee shortages. THIS IS POOR BUSINESS and NOT MY PROBLEM. 
Bridgecrest has had the check for 45 days and has not processed.
Consumer complaint received 2021-06-07
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. (PA)

I am asking for the XXXX Charge account to be removed off my credit report. I have made several complaints about the account and this account does not belong to me. This account was solely opened as a result of identity theft.Please remove this account off my credit report
Consumer complaint received 2018-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (VA)

About XX/XX/XXXX I began working toward filing a request for an IDR plan with Great Lakes Borrower service. They had contacted me regarding an upcoming payment to be made in the amount of {$1000.00}. This is far more than I can afford right now so I went onto their website to attempt to file for an IDR. I was told I qualified for an income driven repayment plan and was directed to studentloans.gov where I began to process my request. Part of the way through that application it sent me to irs.gov where I encountered my first problem. There was some problem with the irs.gov form submitting my information. As it was only a few weeks until my due date, I did not wish to rely on paper mail. So I called Great Lakes, figuring I must not be the first person with the problem. The person on the phone did not even let me finish explaining my problem before telling me just to download the app. She said that if I submitted my request on the app I could use images of my paychecks as proof of income and not have to worry about issues with the irs website. Wonderful. So I downloaded the app and submitted the requested documents, proof of payments over the last 90 days. The service told me that my documents had been accepted and that if they needed additional information to finalize my IDR plan request they would contact me. Today, the day BEFORE my payment was due, I logged in online just to ensure that everything was properly set up, only to discover that Great Lakes had never finalized my IDR, or perhaps they did, their website is so misleading I'm not sure, and they are already processing a payment for {$1000.00}. I was told that my lDR payment would be about {$120.00}. I am a XXXX XXXX XXXX, there is no way I can afford to pay over a thousand dollars a month for anything, let alone a loan which will qualify for forgiveness after 10 years of payments. I tried to contact Great Lakes, somehow they are able to process my payment on a non business day but are unable to answer the phone. I feel as though they have on their website, on their app, and through personal communication attempted to mislead me about what I needed to do to re-new my IDR. I have submitted a complaint with them as well, requesting a refund on the incorrect and early payment or that this payment be applied toward future payments. They are a horrible service, and if it is possible for me to finance my loans through someone else, I would like to do that.
Consumer complaint received 2018-04-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NH)

My Mortgage Company Is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX NMLS ID : XXXX XXXX I have made every payment. The Mortgage company failed to pay my town property taxes out of the escrow account that were due XX/XX/XXXX. I was notified by the town on XX/XX/XXXX that the taxes had not been paid and that they intended to put a lien on my house for non-payment of taxes. I immediately notified Freedom Mortgage and followed up several times, but they failed and refused to pay the taxes. 

On XX/XX/XXXX I paid the taxes, interest and penalties in the total amount of {$4900.00}. I have called and emailed Freedom Mortgage numerous times but they have failed and refused to reimburse me for the tax, interest and penalties I had to pay because they failed to do so. All they will tell me when I call is " we have a ticket open. '' I could not afford to pay this {$4900.00} and to make it worse, I still had to come up with my regular mortgage payment on XX/XX/XXXX. This is a serious financial hardship. 

Please help and take all possible regulatory actions against XXXX XXXX XXXX.
Consumer complaint received 2023-04-04
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. (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX  XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$560.00} XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX  Inquired on XX/XX/2022 2022
Consumer complaint received 2021-06-07
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

I called XXXX  onXX/XX/XXXXand spoke with XXXX. I advised him that my credit card was not reporting on my credit and asked to dispute inquires on my report. He advised me that he could not do anything about either. My Capital One account is not reporting on my XXXX  report, it is on all the other credit reporting agencies. XXXX  is the reason that I spent months getting my card reactivated as they said I reported it as fraud, which was never the case. Finally after I got that fixed they stated they would put it back on my report, however that has not occurred for a year now. I want my report to be accurate and XXXX  is failing to do that. When I reported this to them they said that would be up to Capital One but all other agencies are reporting it.
Consumer complaint received 2018-02-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Services Association (TX)

CBSA,XXXX Original Creditor XXXX XXXX Open Date XX/XX/2014 Balance {$2500.00} Debt {$2500.00} I called them to let them know that I didn't owe that. I was told by the realtor that I didn't have to pay at fees to break my lease cause my neighbor gave me bedbugs. I have a XXXX son who couldn't afford to get bit because he is high risk ...
Consumer complaint received 2020-01-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ARS National Services, Inc. (CA)

I received a letter on XX/XX/XXXX form ARS National Services Inc they are collecting a debt on behalf XXXX XXXX. The letter is in Spanish but is a settlement offer to resolve a my debt with XXXX. The offer is good until XX/XX/2020. 
I contacted all my family members to get all the money together and pay the offer. Today XX/XX/XXXX I called to this collection agency to take the offer -remember the offer is good until XX/XX/2020- but I was informed that the account was recalled from XXXX. 
This is a unfair communication tactic from the Bank and form the collector since they made an offer and later decline it. For me sounds like XXXX is just playing and do not understand cases like mine where customers are making the best to resolve debt problems. 
I called XXXX to try to get the same offer and pay it, but I was informed that they could not locate my account since the account was recalled and I will receive a call from a Law Office in the following days.
Consumer complaint received 2018-02-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PA)

XXXX XXXX XXXX Acct # XXXX Current Amount XXXX XXXXDiscount Offer {$2200.00} Address XXXX XXXX XXXX XXXX , Ml XXXX Telephone number and Name XXXX XXXX XXXX Request for my payment in a letter No Telephone ANSWER
Consumer complaint received 2024-02-05
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. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.