davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2020-10-06
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. (OK)

Hello, I have reached out periodically to Experian. Yesterday, I made six calls and repeated the same information over and over. I was transferred to 2 supervisors and after a long hold they disconnected the phone call. 

Everywhere on my Experian report it says that all of my payment have been paid as agreed. Except for my score profile. This is an Experian error, therefore since this error is not attached to an account I can not electronically dispute it nor will they let me dispute this error by phone. 

Per Experian Report What's helping your score? 
No Missed Payments Low Revolving Credit Usage Recent Credit Card Usage Not Seeking Credit What's hurting your score? 
Few Accounts Paid On Time ( please notice Experian 's helping my score says no missed payment, which are correct ) You have few accounts that are in good standing. ( I have 3 open accounts and according to Experian 's report ALL of my account have been paid as agreed, which is correct. 

Number of your accounts currently being paid as agreed 2 accounts ( Your score Profile XXXX Scores are used in 90 % of credit decisions. In fact, XXXX  Scores are the global standard for lenders in the banking, mortgage, credit card, auto and retail industries. XXXX Score 8 ranges from XXXX to XXXX. Higher scores are better. 

What's helping your score? 
No Missed Payments Low Revolving Credit Usage Recent Credit Card Usage Not Seeking Credit What's hurting your score? 
Few Accounts Paid On Time You have few accounts that are in good standing. ( Please see Experian credit report ), simple incorrect information. 
Number of your accounts currently being paid as agreed 2 accounts -Experian 's report shows three active accounts that have all been paid on time. 

The XXXX  Score considers the number of accounts showing on time payments. Compared to other people with a similar age of credit history, the number of accounts you have that are currently paid as agreed is low.
Consumer complaint received 2018-02-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

I received a settlement offer on XX/XX/XXXX from XXXX XXXX XXXX , XXXX alleging a debt of {$4600.00}, this is the first mail contact I had with XXXX XXXX XXXX. On XX/XX/XXXX I mailed a certified letter to them asking for validation of this debt. They sent me an account statement from XXXX XXXX ( XXXX ) and a statement from them that said they owned the debt. On XX/XX/XXXX I sent another letter specifically asking for verification from XXXX XXXX that they have sold or transferred the debt to Midland. I have received nothing more to date from Midland. 

I have attempted through XXXX and XXXX  to verify this debt. Nobody has been able to provide me with documentation from XXXX in writing that they have sold this debt to Midland.
Consumer complaint received 2018-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

There is a paid lien ( XXXX ) on my credit report that has a redacted SSN. I've filed disputes with Transunion as well as sending them a certified letter for which I got no response. 


Included is copy of the lien so that you can confirm it does not meet the rules set forth in the XXXX XXXX XXXX XXXX ( XXXX ) that states liens must have a full name, address, SSI ( full SSI, not partially or completely redacted ) and/or DOB to be reported on any credit file. XXXX is the new guidelines they are to follow which went into effect for tax liens and judgements on XX/XX/2017.
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

I had a XXXX credit card back in I believe XXXX. I ended up having to file a BK XXXX in XXXX of XXXX, in which XXXX was included. Fast forward eight years, now Portfolio Recovery says I opened up an account in XXXX, which isn't accurate. Funny thing is this is the first I'm hearing about this, and it's been eight years. I have only lived in two places, so it's not like my information changes much. 

They have placed this account in collections which lowered my score by XXXX points. I called to try and discuss this, and all she kept saying is file a report. Their number is XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-08-24
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC (CA)

XXXX XXXX XXXX XXXX was the Broker on this refinance. United Wholesale Mortgage was the lender. The lender failed to submit corrected documents to be signed and failed to submit the amount that was promised in my escrow account. This caused me to be short XXXX. I was to skip my XXXX and XXXX payments for 2019. I was to receive {$8000.00} from my escrow account. The updated documents would have prevented all of this confusion. The Broker asked for these items but the lender failed to provide them. XXXX XXXX XXXX  XXXX XXXX and the FDIC both agree that this situation was caused by the lender.
Consumer complaint received 2023-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

Capital One XXXX XXXX- Capital One replaces card XXXX after dispute over unauthorized recurring charges from XXXX for {$15.00} but then proceeds to transfer recurring unauthorized charges to new card XXXX -
Consumer complaint received 2022-04-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (AR)

On XXXX XXXX the car dealership asked for a down payment CASH, but the contract says credit and I payed cash. And according to 15 USC 1692h- they violated your rights when they told you that a down payment was required. Redirect all past payments.

15 USC 1662d ( 2 ) - the advertising of a down payment is illegal.

15 USC 1635, 12 CFR 1026.23 & 12 CFR 226.23 is how you rescind transactions!
Consumer complaint received 2021-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (FL)

I XXXX XXXX never enter any consumer credit transaction with ERC for them to have my personal information. According to 15 usc 1692 this is infringement upon my consumer 's right to privacy. By them obtain my personal information with out my consent ERC have committed fraud and identity thief.
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Transunion is inaccurately reporting a chapter XXXX on my credit report. I have sent several debt validation letters for them to verify that the bankrucpy belongs to me. I have asked that they give me the following information. 
1. Please provide the name of the courthouse 2. The clerks name that you verified the dispute with 3. The  address 4. The telephone number 5. The documentation used to verify the dispute. 
6. The asset and liability amount of the bankruptcy that is supposedly reported correctly by your company. 


They only state that they have verified. According to Fair Credit Reporting Act. the credit bureaus must report accurate information. As of this date if they have verified the bankruptcy as being accurate. why is there a XXXX on the amount owed. I don not believe that someone would file a bankruptcy and not owe anything. Transunion has violated my rights by not accurately reporting information. I would like Transunion to verify and send me all of the information I have requested. If they can not verify correctly and report correctly. I would like for Transunion to remove this item from my credit report.
Consumer complaint received 2021-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PENTAGON FEDERAL CREDIT UNION (NC)

On XX/XX/XXXX, the merchant XXXX XXXX in XXXX, credited my credit card account for the amount of R {$8700.00} ( approx. {$1800.00} ) which I never received. The merchant sent a document confirming this credit to my credit card ending XXXX, which is the one I had used to make the original purchase, but was later replaced by PenFed Credit Union in XX/XX/XXXX due to a loss of it. I have tried repeatedly to get a response as to how to obtain this credit I am due, and have been unable to so for the last five months. They now claim that the time to make a charge dispute has lapsed. However, this is not a charge I am disputing, but rather a pending credit to my account. This is absolutely unacceptable and a violation of my rights as a customer. Please find attached a copy of my first letter to PenFed, a copy of their response, and the referenced transaction with authorization code.
Consumer complaint received 2020-10-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TN)

On XX/XX/2020 I contacted LVNV funding to dispute an entry on my credit report they have listed. I disputed the entry with all 3 credit bureaus as being reported inaccurately previously. XXXX   and XXXX both deleted the entries as unable to verify. XXXX   repled back that the entry was verified and continued to report the inaccurate information. After contacting LVNV Funding in an attempt to rectify the situation I received a letter from Resurgent Capital Services dated 14 days after the initial letter was received by them, stating that they manage the listed account. I was provided a generic bill that listed an amount and date due. The amount is not accurate. I replied back to Resurgent and cc LVNV stating that the account is not reporting accurately and to provide me with a full listing of the history of the account that verifies the amount they claim. I never received another response from LVNV nor from Resurgent Capital Services. I still have this same account being reported to XXXX with an inaccurate balance and incorrect dates. I have records of all correspondence.I would like this inaccurate entry removed from my XXXX credit report.
Consumer complaint received 2022-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC (FL)

The companies name is Genesis FS card service at. XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX I am disputing this because I made a payment on XX/XX/XXXX of XX/XX/XXXX to the card services in the amount of {$110.00}, I have spoken to several agents and several supervisors and nothing has been done Ive gotten no response and no calls no letters on the situation Ive also went through a dispute center and still nothing we are in another year and I havent gotten any kind of Response. I then e mail XXXX from XXXX XXXX and she gave me you. I truly hope you can help .Than You : :my email is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the fair credit reporting act XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX, XXXX XXXX ( XXXX ) XXXX collection/charge-off in the amount of {$710.00} date opened XXXX XXXX last activity XXXX XXXX account # XXXX has violated my rights 15 U.S.C 1681 Section 604 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the fair credit reporting act XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX SC XXXX XXXX Opened date XX/XX/XXXX last activity XX/XX/XXXX account # XXXX collection/charge-off in the amount of {$1100.00} has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15U.S.C 1681 Section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-08-20
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. (PA)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX CARD-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX
Consumer complaint received 2020-10-18
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. (NC)

have reached out to Experian on several occasions asking them to supply me with the 3rd party information they are using to 'validate ' an account with XXXX XXXX XXXX XXXX XXXX they are reporting on my credit file. They have supplied false information on each occasion. I have asked that they remove the information due to them not reporting correctly and also supply the correct information to me. Experian has misled and deceitfully reported information that they have not properly investigated. They have also refused to supply information regarding their investigative process or name the 3rd party that they are using. They have also failed to supply me with document level contract to support the owner of the reported account. I have asked several times for this information to shown and supplied.
Consumer complaint received 2020-01-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (TX)

I need this charge taken off of my credit history. It is affecting very bad and I cant get approved anywhere. When I did a voluntary surrender of this vehicle I was notified by the customer service rep that it wasnt going to affect my credit score. When the vehicle was auctioned off they told me that they sold it for the a higher amount that I owed on the loan so I dont know why there is still money pending. At the time I was going through a very bad hardship and I was let go from work so I had to let go of the vehicle.
Consumer complaint received 2018-02-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

Navient For the past year I have had to file several deferments and forebearances, trying to get my payments with Navient to a reasonable amount. They just replied today XX/XX/18 with a {$390.00} payment plan. I have sent numerous requests as well as proof of income. The only things I can get are temporary forebearances that hike up the interests later.
Consumer complaint received 2020-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

i sent back and air to water generator to the merchant on XXXX XXXX. they signed for it and i have documentation to show that they received it but my bank refuses to credit back the money that i used on the credit card to purchase it. the item was sold to me via a 3rd party seller ( XXXX ) but the actual merchant who i sent the product back to is XXXX XXXX. 

i have not heard from the merchant since they received their item back and i wish for my bank to credit my account for the return of the defective product XXXX XXXX does not answer phone calls or emails and has horrible customer service.
Consumer complaint received 2021-08-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

Original Loan XXXX XXXX XXXX Refinanced XXXX Carrington Mortgage Services LLC Judge Ruling XXXX Legal Fees Assessed XXXX XXXX Filed XX/XX/XXXX I filed for XXXX and was 5 months behind on mortgage when I received XXXX. The loan was sold during foreclosure. I attempted to bring the payments current but mortgage company refused, demanding full balance and started foreclosure. 
I obtained legal service through XXXXXXXX XXXX XXXXXXXX XXXX, which I was exempt from paying for any legal fees due to my income/disability. 
The judge dismissed the case, no prevailing parties and I was to pay for my own legal fees. 
A loan modification was done and debit authorization for mortgage payment. Mortgage company assessed legal fees and placed on my mortgage statement as past due. This does show on my credit report. The assessed legal fees are ridiculously high and no proof of their fees from their attorney and/or filing fees or court costs except what they want to charge. 
Please see the attached original mortgage loan, judge ruling stipulation and correspondence.
Consumer complaint received 2023-04-04
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc (TX)

We mailed a letter to the debt collector in regards to a debt in the amount of {$2200.00} on XX/XX/2022. Attempting to resolve the debt, we requested a written letter sent back agreeing to our resolution or offering a different resolution. We received multiple phone calls although we asked for a written letter as the only form of communication. After receiving multiple phone calls from the company, we gave them several months to send the correct form of communication. On XX/XX/XXXX we sent yet another letter requesting they only mail us in regards to this communication while proposing yet another resolution. They received the letter this morning and are calling yet again to attempt to make contact. We specifically said they can only contact us by mail and included the mailing address in both letters yet we are still receiving phone calls and no letters sent back to us.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

Accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A Creditor may treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-09-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (AZ)

Hello, First, thank you for your help in this matter. 

I continuously have problems with my lender ( Amerihome Mortgage ). My mortgage was sold to them, without any input from me, by XXXX XXXX XXXX in XX/XX/2019. I've filed two other complaints with the XXXX. 
Who regulates this company? 
How am I powerless to choose my mortgage company? 
I've also written complaints via online review sites such as XXXX. ( Along with hundreds of other unhappy customers. ) Some issues of late are : - a website that doesn't work ( I get error messages when clicking on any menu ) - reps who regularly hang up on me - payment systems that also do not work ( which seems to be a link to another site? ) - long hold times - an insecure website that does not have a proper SSL certificate - no mobile app - slow, clunk interfaces on all digital formats - reps always say " we are having a problem with our system right now '' EVERY TIME I CALL!! 

This is completely unacceptable. I do not want to have a mortgage with this company. What can I do to end my relationship with them? How is this legal. 
I plan to contact my State representative regarding this matter, as I suspect CFPB is also toothless to get this company to improve.
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

Notice that Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. You, EXPERIAN, XXXX, AND XXXX are not meeting my needs as a consumer or being fair and equitable by reporting inaccuracies on my consumer file ;
Consumer complaint received 2020-10-03
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: COLLECTION SERVICES OF ATHENS, INC. (GA)

In or about XX/XX/2020, I disputed Collection Services of Athens ' entry that was on my credit report. The credit reporting agencies completed their investigation, but did not remove the entry. In or about XX/XX/2020, I mailed a certified letter to Collection Services of Athens requesting debt validation. They did not respond within 30 days per The Fair Debt Collection Practices Act, but they continue to report this debt on my credit report.