davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-26
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. (FL)

I have sent several certified letters to Equifax ( XXXX and XXXX ) regarding incorrect information being reported on my credit report and have submitted supporting documentation for my claims but Equifax still claims they were able to verify the inaccurate information. Regarding file XXXX. Please see letter attached letter that has been sent to creditor.
Consumer complaint received 2017-02-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

I have request that is bankruptcy be remove off my credit report many time. 
This is not mine. Please see below. 


Reference Number XXXX Date Filed XX/XX/XXXX Date XX/XX/XXXX Status Dismissed Amount {$0.00} Classification Bankruptcy Responsibility Individual Asset Amount {$0.00} Contact Details XXXX-XXXX XXXX, GA XXXX XXXX
Consumer complaint received 2021-11-05
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (FL)

Company name is XXXX. I ordered a futon from this company whom I now believe is a bogus company. Through my XXXX account on XX/XX/XXXX I ordered a futon for {$76.00} but they charged me {$88.00}. I tried to get a receipt or confirmation but got nothing. On XX/XX/XXXX. I emailed the address XXXX that was given to me with no response. I don't want these scam artists to get away with stealing my money.
Consumer complaint received 2020-07-20
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. (MI)

XXXX XXXX XXXX has been deceptive and made a mistake and put my car loan in bankruptcy status and therefore took the trade lines off and have not reported my perfect payment history. Because of this my credit report does not show any car payment history at all and its making it impossible for me to get out of this high interest rate loan and lower my car payment. They are purposely doing this in order to keep me paying this high interest rate. Then they try to say well we don't need to report your history at all, had they told people their payments on their car would never be reported to credit bureau 's how many people would accept a loan like that when the whole purpose of the loan was to rebuild credit to begin with?? I need help, I have spent almost 1 1/2 years fighting them and they keep blaming everyone else but it's them, they refuse to correct the problem!! please please please help!!
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I attempted to log into XXXX 's website and submit a dispute and it ALWAYS say error and does not allow me to do it. There are no fax numbers, email attachments or other electronic methods to submit dispute info AND I am locked out. To add, I was a victim of the XXXX settlement group and I have received info I was breached because of it. I have received no check nor any compensation for this, as I submitted paper work 2 years or so ago showing proof of over a few XXXX in fees, improper interest and other effects from this breach to my data.
Consumer complaint received 2022-08-11
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: LTD Financial Services, L.P. (FL)

I have disputed several items on my report that are not mine. They keep telling me they verified it as mine but give me no proof. XXXX XXXX, LTD Acquisition, A Bankruptcy that I NEVER filed
Consumer complaint received 2020-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX has been deceptive and made a mistake and put my car loan in bankruptcy status and therefore took the trade lines off and have not reported my perfect payment history. Because of this my credit report does not show any car payment history at all and its making it impossible for me to get out of this high interest rate loan and lower my car payment. They are purposely doing this in order to keep me paying this high interest rate. Then they try to say well we don't need to report your history at all, had they told people their payments on their car would never be reported to credit bureau 's how many people would accept a loan like that when the whole purpose of the loan was to rebuild credit to begin with?? I need help, I have spent almost 1 1/2 years fighting them and they keep blaming everyone else but it's them, they refuse to correct the problem!! please please please help!!
Consumer complaint received 2017-06-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (HI)

XXXX XXXX 2017 - XXXX XXXX - Friend was approached outside house and asked if I lived there. Upon questioning he revealed to my friend it was for credit card debt and left documents with him revealing details of the debt. <P/>XXXX XXXX 2017 - XXXX XXXX - Person came to door asking for me and if I lived there. Friend told him to leave. <P/>XXXX XXXX 2017 - XXXX XXXX - Person came to door, striking it forcefully and loudly ( this startling, unexpected and unwanted action caused me to fear for my son 's and my safety ). My friend, who was likewise concerned, asked this person to identify himself.
Person said he came yesterday and again asked if I lived there. Friend told him to leave - he was insistent and would not leave. My friend ( a law enforcement officer ) told him to " cease and desist '' coming to the property. Person would not leave. Friend told him he considered him a threat and was armed ( legally ). Person told him " well then, you 're going to have to shoot me '' and that he will be back tomorrow. Based on person 's response, which a reasonable and prudent person would not utter, I fear this person is a clear and determined threat to the safety of me and my son.
Consumer complaint received 2018-07-01
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. (KY)

On XX/XX/XXXX i faxed over a copy of my FTC report to XXXX XXXX XXXX  his letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. 
Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be properly verified or removed immediately. 
XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX -Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX -Inquiry from XX/XX/XXXX XXXX XXXX-inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX XXXX-Inquiry from XX/XX/XXXX NOTE : Please also remove all non-account holding inquiries over 30 days old.
Consumer complaint received 2017-07-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

I had received a letter from XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX? ) representing Portfolio Recovery Associates, LLC regarding a XXXX XXXX XXXX . The letter states they are attorneys. Yet online no listing in the XXXX XXXX XXXX nor Wisconsin Bar ; the letter states that they work out of XXXX, WI. The only time a debt collector needs to hire attorneys is to protect the firm against the Unfair Debt Collection Act and other regulatory complaint. The firm is asking me to pay an additional {$120.00} to take the case. It is Portfolio Recovery Associates that hired them not I. Again, Debt Collection agencies only hire law firms if the Debt Collector has broken the law or are knowingly engaged in illegal or unethical practices. The law firm in question has several illegal and unethical outstanding complaints. I believe there is collusion on both companies and would like my debt handle by another firm not has no association with the law firm or this debt collector. The phone number for the law firm is XXXX Portfolio Recovery 's phone number is XXXX I believe that after investigation of this matter that the fake law firm should be fined to the point that they must file bankruptcy. Also, Portfolio Recovery should be monitored more closely as their workers do n't sound licensed or that it is current. Portfolio Recovery Associates is aware that XXXX, ect. Is not a real law firm. Anyone that is an actual lawyer that collects debts works on high end side like yacht and jet loans recovery. Not my account. A simple debt collector just needs a high school diploma, pass a background check and pass regulatory testing.
Consumer complaint received 2017-05-30
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PHH Mortgage Services Corporation (NY)

This request for information is submitted pursuant to Regulation X Paragraph 1024.36 under RESPA. This request is not duplicative of any prior request for information on the referenced loan account.     We have received correspondence indicating that a certain  XXXX   XXXX   XXXX  was consulted and named as a representati ve of PHH Mortgage Corporation in  a foreclosure matter brought by PHH.     This is a QWR request for the following informa tion : 1.  Is  XXXX   XXXX   XXXX  and employee of PHH Mortgage  Corporation?    2. If so, how long has she worked there?   3. What is her official title?   4. What is her job description?    5.  What training is required for her title designation?    6.  Provide the name of the department or division she works in.    7.  Provide the name of the department or division head.    8.  Is  XXXX   XXXX   XXXX  authorized b y PHH Mortgage Corporation to p articipate in a foreclosure action?     Thank you for your cooperation and timely response.
Consumer complaint received 2020-08-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc. (NV)

I financed a used car through Carmax XXXX XXXX. At least three times in the past two years I have received a notice that my payment was overdue and a past due payment was added to the monthly payment. 

When I called, they always conceded that the payment was processed but the letter was sent. As an example, my last payment was due XX/XX/2020. I sent the payment as I always due electronically through XXXX XXXX. 

That payment was paid on XX/XX/2020. When I spoke to Carmax XXXX XXXX on XX/XX/2020 ( the day I also received the late payment notice letter ), I was told the payment had been received on XX/XX/2020, well within the ten day grace period, but not posted until XX/XX/2020. Hence the overdue letter. 

Since this can affect my credit score, I want to know what can be done about having my payment posted timely. I always pay at least a week ahead of the due date, sometimes even 10 days ahead. 

Thank you, XXXX XXXX
Consumer complaint received 2020-07-21
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. (NY)

Hello. On XX/XX/2020 I wrote a letter to Equifax to correct the wrong information on my report. They did not reply so I wrote them another letter on XX/XX/2020. It has been more than 60 days. They are in violation of 611 ( a ) of the fair credit reporting act.
Consumer complaint received 2018-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

almost all of these inquiries are unauthorized. some are duplicates, some have been ran at random. dating all the way back from XX/XX/XXXX-XX/XX/XXXX i have attempted to send letters to the companies as well as call the different credit agencies ; XXXX, Equifax, and XXXX. I haven't gotten any results from either agency. these companies took me for granted and ran my social thru multiple banks. this has truly damaged my credit and it's not fair, because i have worked very hard to get my credit score at an exceptional level only to have it damaged. my attachments show all the dates and companies, along with the reporting agency.
Consumer complaint received 2018-04-28
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. (TX)

The following inquiries are fraudulent and should be removed from my credit bureau : Inquiry details XXXX  Inquiry from XX/XX/XXXX All Banks XXXX Inquiry from XX/XX/XXXX Complete Dept. Stores XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX, XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX Credit Card Cos. 
XXXX XXXX XXXX XXXX from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX Credit Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Credit Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX, XXXXXXXX XXXX Inquiry from XXXX  XXXX, XXXX National Credit Card Cos. 
XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX, XXXXXXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX, XXXX A Inquiry from XX/XX/XXXX XXXX Credit Card Cos. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX State XXXX XXXX Cred Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Credit Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Credit Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX  XXXX, XXXXXXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX, XXXXXXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos.
Consumer complaint received 2017-06-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

Ocwen Loan Servicing LLC After falling behind on my mortgage payments, I requested a modification of my loan. After  2 attempts, I was approved for a modification. The company asked for three months of trial payments before approving the modification. I requested 3 times to see the terms, in writing, of this proposed modification but was told that this information is not available. My lastest conversation was with a " relationship manager ''  today  XXXX   XXXX ,  2017 . I was told that I could not speak to anyone in Underwriting, could not receive the terms of my proposed modification and that the relationship managers did not have access to any of this information.
Consumer complaint received 2017-02-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (OH)

My sons loans are coming due with Navient starting XX/XX/XXXX. His payments are going up dramatically and they give no warning about the amount. I 've called several times and complained about it but they wo n't do anything about it. So come next month without any warning his payment is going up to about {$500.00} a month which he ca n't afford. I think it is wrong to not give you ample time to plan for this. XXXX sent us a letter 6 to 8 months ago telling us what the payment would be. Navient does not want to help you in any way.
Consumer complaint received 2017-06-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Choice Recovery, Inc. (FL)

THIS IS A NEW COMPLAINT AGAINST CHOICE RECOVERY LLC AS THEY FAILED TO VERIFY THE MEDICAL DEBT MAKING FALSE STATEMENTS TO COLLEC T Choice Recovery LLC is  perpetrating a fraud which is a violation of the, FAIR DEBT COLLECTION PRACTICES ACT, As amended by Public La w 111-203, title X, 124 Stat. 2092 ( 2010 ), section 807.  False or misleading representations,  ( 2 )  The false representation of - - ( A )  the character, amount, or legal status of any debt ; My complaint is addressing the amount of the debt of {$50.00}.  Choice Recovery LLC  and the Creditor (  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX , FL  XXXX  ) has failed to provide proof of debt.  <P/> Whereas,  Choice Recovery LLC a nd their client (  XXXX   XXXX   XXXX   )  are making a false representation of the amount of the alleged medical debt.  <P/> They must provide the following  medical services : 1 )  Dates of th  e medical services.
2 ) What medical services did they provide.      3 ) Provide proof the medical services  rendered.    4 )  Copies of all payments made by me.    5 )  Copies of the insurance reimbursements.    6 ) Tot al amount billed to the insurance carrier.    7 ) Total insurance carrier  paid.    8 )  Copies of the copays.    9 )  Copies of the Co-insurance.    10 ) C opies of the insurance contractual adjustments.    11 ) Copy of the ACTUAL  insurance  carrier  reimbursement vouchers.    12 )  Copy of their insurance contract with the insurance carrier.  <P/> Choice Recovery LLCs failures as required by the Fair Debt Collection Practices Act, should be fined by the CFPB for their violations.
Consumer complaint received 2016-10-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My mortgage servicer Bank of America ( BoA ) appears to be breaking the law, possibly in collusion with mortgage holder XXXX XXXX, and a local law firm, XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) and has I believe, institutionalized this practice. BoA is violating the Dodd-Frank Wall Street Reform and Consumer Protection Act of XXXX ( the Dodd-Frank Act ) amended the Real Estate Settlement Procedures Act ( RESPA ) of XXXX, which is implemented by Regulation X with regard to the servicing of certain mortgages, specifically the Dual Tracking Guidelines. They have apparently made this part of their Standard Operating Procedure as they repeated the identical process 2 months in a row in their dealings with me. Over the last XXXX months, BoA twice offered me a Loan Modification Application on my mortgage for my primary residence while simultaneously listing my home for sale by XXXX advertising it in local newspapers and sending me legal Notices of Sale. Both times, the actual Sale Notice dates were prior to the stated Application Deadlines - see uploaded correspondence/date summary below. During the second instance prior to sale date XXXX XXXX, I had completed my application by submitting all requested materials by early XXXX, however BoA representatives continued to request from me things that : ( a ) I had previously submitted, ( b ) turned out to be wrong ( wrongly described by their representatives ), or ( c ) things they knew I could not supply and were not in my control, resulting in my home foreclosure sale becoming inevitable unless we declared bankruptcy ( see below ). On XXXX XXXX when I submitted the final piece of information requested, my application should have been considered complete ; instead, on XXXX XXXX, just 6 days before my foreclosure sale, a new piece of information that BoA knew was not available and not in my control was requested and when I could n't produce it, BoA consciously declined to stop the foreclosure sale. Hence they violated section 12.4.3 of Regulation X. 

During this period I notified BoA of this violation of CFPB Guidelines, both verbally to their representatives and in writing. While their representatives clearly understood what I said, they were oblivious to my objections and my written complaints also went unanswered - see uploaded correspondence. 

Obviously I think this is unfair, but am relieved to know there 's actually a CFPB Regulation that protects consumers against this practice - hence this complaint. So either I misunderstand this law or BoA is systemically ignoring it ... it 's not clear to me if XXXX XXXX and XXXX are also a part of this, since BoA controls the process. My concern is both for myself and for BoA 's thousands of other customers who may be losing their homes, unaware a law ( s ) may have actually been broken. 


Since my narrative exceeds the space available on the CFPB website, the full text of my complaint can be found on my uploaded documents.