davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LAKEVIEW LOAN SERVICING, LLC (MA)

Pursuant to complaint XXXX, Lakeview ( XXXX ) the company assured me on XX/XX/XXXX that my payment history has been corrected and the late payments will be removed from my credit report. As ofXX/XX/XXXX, my credit score shows that the account is no longer delinquent and is current however the reported late payments were never removed from the credit report. I am not sure if the account is current due to the extra payment I reluctantly made to make the account current or if the original problem was actually corrected. After the initial drop of 110 points in my credit score, the newest update has only increased it by 50 and still shows 2 late payments but it should show zero late payments if the company corrected it properly.
Consumer complaint received 2022-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (CA)

This credit card is from a U.S.Bank ( Skypass Visa ) affiliated with XXXX XXXX, rewarding mileages and discount on XXXX ticket purchase and VIP lounge passes. 
Every year I am supposed to received two XXXX XXXX VIP lounge passes. 
However, I have not received anything for the last 3 years. 
On XX/XX/XXXX, I called the US Bank customer service and inquired about the VIP passes. 
They simply said they dont know and just wait. 
They also said the vip passes are good for one year so they can not send anything for the year XXXX and XXXX. 
They should say they will send me the back order passes XXXX, XXXX and XXXX but they would not help me at all.
Consumer complaint received 2019-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XXXX AND EXPERIAN ARE VERIFYING A VOID, VOIDABLE, INVALID LOAN. 
THE CALIFORNIA SUPREME COURT ADDRESSED MY LOAN IN ITS CLASS SPECIFICALLY THAT DUE TO THE INTEREST RATE THE LOAN IS ILLEGAL. 
THE CREDITOR IN MY CASE SPECIFICALLY VIOLATED A PERMANENT INJUNCTION AS THEY DID NOT EXPLAIN AND 72 HOUR PHONE CALL REGARDING THIS @ 100 PER CENT APR LOAN. 
THE CREDIT BUREAUS KEEP VERIFYING A LOAN THAT IS WITHOUT A DOUBT ILLEGAL TO ISSUE BASED ON THE CALIFORNIA SUPREME COURT IN XXXX.THE COURT CALLS THE LOAN UNCONSCIONABLE, SO ONE-SIDED AS TO SHOCK THE CONSCIENCE. 
THE ILLEGAL DOING CREDITOR FOR XXXX ACCOUNT NUMBER XXXX BEING ALLOWED OVER AND OVER TO VERIFY THIS LOAN BY EXPERIAN AND XXXX.
Consumer complaint received 2019-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (MD)

From XXXX XXXX : I have dispute with Santandar Consumer USA. I bought a vehicle and the loan was from Santandar. I was told that if I paid by a certain date, that I would not be late. They seemed nice and flexible. Unfortunately, I have multiple 30 days lateness on a lot of payments, from what I was told by their company on the phones. The truck is paid in full as of at least 2017, I believe it was prior. Additionally, this is on my husband`s credit report too. The bills were only in my name and they continued to list it jointly, along with the negative feedback, on my husband`s credit reports too. Overall, they are a good loan company, but a really bad company for credit reports. I believe, based upon the timelines I was verbally provided and set up autopayments, the 30 day late payments should be removed from my credit report. Also, they need to remove themselves from my husband`s credit report. My truck had nothing to do with him, it was my bill. 

They hurt the purchase of my recent car and their own loan - I would have picked them, but, not after seeing my recent report, anymore. I honestly thought everything was ontime. 

I concur.
Consumer complaint received 2019-08-15
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. (WA)

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation.. They have provided information while knowing or having reasonable cause to believe that the information was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint
Consumer complaint received 2017-12-19
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: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

Portfolio Recovery is reporting non verified information and has failed to send documentation as previously requested to show this account belongs to me and I owe Portfolio the original debt. The debtor is XXXX XXXX XXXX in the amount of {$310.00}.
Consumer complaint received 2018-06-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Holloway Credit Solutions ()

I paid my bill by the phone, but asked for my receipt, because I need it to get a refund of my insurance. But they told me that I cant get it by phone, or email and right now I am out of the country. They gave me " confirmation number '' that I cant do anything with it, so my question is, how can I pay something and they cant give me my receipt? I paid it by phone last week, on XX/XX/2018, the amount was : {$420.00}, devided in 3 months, the company is Holloway Credit.
Consumer complaint received 2018-06-15
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Healthcare Collections-I, LLC (AZ)

On XX/XX/2018 I called in to attempt to resolve an account. 3 representatives hung up on me and would not transfer me to my account representatives or a manager. Their names were XXXX, XXXX, and XXXX. XXXX refused to transfer to either and hung up. XXXX used inappropriate content and verbiage and also hung up. XXXX was pleasant but she also hung up. Is quite sad that this is how a collection agency treats people who are actually trying to resolve a debt
Consumer complaint received 2019-08-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Collection Service Inc (GA) (GA)

A new compliant in response to CFPB Compliant # XXXX to the response from Professional Collection Service Inc ( GA ) on XX/XX/XXXX. I never received any correspondence from you in XXXX via-mail which you claimed you provided me a 30 day validation notice which provides me the legal right to dispute a debt that is not mines. 

Secondly you are a debt collections or third party vendor who is trying to collect money from me illegally without a contract ever being established with your company. According to the FDPA states that without a contract I don't owe your company any money Legally.Which is a complete violation of the FCRA section 609 because you are reporting inaccurate information onto my credit report as an illegal company that I have not established a contract with and that is a defamation to my character as a consumer. 

Also in the previous response you stated that you were sending me validations of the alleged debt of XXXX. Please be advised that according to the FDPA BILL STATEMENTS or Receipts are not Legal Debt verifications and you must provide me with documentation or a contract with my signature to make it a legitmate debt that I owe. Also by HIPPA Standards you are not suppose to have any access to my medical records
Consumer complaint received 2017-12-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

Credit card account from XXXX has multiple charges that are not mine and were unauthorized. Charges were made by ex-spouse XXXX XXXX SSN XXXX. Ex-spouse was in XXXX and I was in the United States while these charges were made. I have tried multiple times to explain this XXXX and to come to an understanding to resolve the issue. A resolution has not been met. XXXX has reported this account as a charge off and continues to report negative derogatory every month for the past year damaging my credit score. I do not wish to establish any credit card account with XXXX.   Please see attachment regarding unsigned authorization to re-establish the account on my credit file.
Consumer complaint received 2022-04-03
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-05-05
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. (HI)

This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Consumer complaint received 2021-03-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Radius Global Solutions LLC (TX)

Hello, a servicer named Radius Global Solutions submitted a garnishment order to my employer 's Payroll department to deduct {$160.00} per pay period, claiming the CARES mandate was lifted as of XX/XX/2021. The servicer claimed they were hired by the original servicer, XXXX. Based on my research and understanding, the CARES Act has been extended til XX/XX/2021 for student loan servicers to garnish wages. I need assistance sorting this matter out, as my payroll department insists they must move forward with garnishment unless they receive something from Radius Global Solutions.
Consumer complaint received 2019-08-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Butler and Associates, PA (KS)

On XX/XX/XXXX I was garnished for {$940.00} at my job for XXXX XXXX XXXX   for a returned check. I know as a matter of fact I went and paid cash to this doctor for this check because I had to pick up my sons contact lenses back in XX/XX/XXXX. I also have been to see this doctor as a patient since this bounced check. However Butler and associates has collected this debt on behalf of Doctor XXXX at XXXX XXXX XXXX XXXX  in XX/XX/XXXXfor {$940.00} and the orginal amount was {$140.00}. When I contacted XXXX XXXX XXXX and told them I was being garnished they told me they did NOT hire an attorney and that long ago it was sent to XXXX. So if my doctor isn't the one who actually sued me and stated this and told me to contact XXXX. My sons contacts back then were ordered and had to be fitted so I know when they told me about that check I paid cash to pick them up, my son wore temporary contacts until I was able to do so.
Consumer complaint received 2019-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (MI)

This account was originally opened by me. However, I lost my wallet right after opening the card. The person who found my wallet mailed it back to me because my drivers license was in there however when my wallet was returned to me 2 gift cards, cash, and my chase card were gone. By the time I noticed some person in New York had ran up a balance of almost {$3000.00}. I called Chase as soon as I found out and they said they would investigate my claim. they later said that they denied my claim. I spoke to them a few times after that but was unsuccessful. I do not have any debt in my name other that this card. The thief took more than my chase card but there is no way to track gift cards and of course the cash is gone.
Consumer complaint received 2019-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AFNI INC. (MI)

In XXXX I discovered Afni Inc had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification.
Consumer complaint received 2023-02-15
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. (MN)

right to financial privacy act 1681 sec 2 prompt notice of dispute to furnisher of information you had five days to do so and you have not so this is a violation and i sent certified mail sent XX/XX/2023 number XXXX everything wiped off as XX/XX/2023 and XXXX dollar fine right to financial privacy act 1681 sec 2 prompt notice of dispute to furnisher of information you had five days to do so and you have not so this is a violation and i sent certified mail sent XX/XX/2023 number XXXX everything wiped off as XX/XX/2023 and XXXX dollar fine right to financial privacy act 1681 sec 2 prompt notice of dispute to furnisher of information you had five days to do so and you have not so this is a violation and i sent certified mail sent XX/XX/2023 number XXXX everything wiped off as XX/XX/2023 and XXXX dollar fine
Consumer complaint received 2020-09-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

RE : WELLS FARGO PROBLEM : UNWILLING TO HELP/HANG UPS/THEY DO NOT LISTEN ANSWER : HELP ME SPREAD MY ESCROW TO SOMETHING MANAGEABLE The dates are to many times as I have not kept this in order.

But today I called and finally getting through to a rep after I stated the 24 months is not enough help I need a 36 month spread. I was told that they will complete the 24 month spread and submit the request for the 36 month. Before the call was completed the rep HUNG UP?

Then I called back again and got a rep XXXX she just was not listening to what was being asked. She played like she did not know what I was saying? Again I told her I need 36 month spread, soon as I stated that she goes right into saying ok I will complete the 24 moth spread? What the heck people? I never said that. So because she was not trying to listen or help I then escalate the call to a manager. XXXX XXXX was her ID. 
She to again refused to help me and then played like she did not know who the CFPB was when I stated I will be filing the complaint because my Mortgage Company does not want to help me? Why I don't know. So PLEASE can I get help? Do not hang up on me help me with the problem. I am trying to keep up and not fall behind on my payment but I just need help with the escrow spread to 36 months. I never asked for help but I am now.
Consumer complaint received 2017-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

I have a derogatory remark - bankruptcy - on my Experian credit report that does n't belong to me. I sent letters and called Experian numerous time but the remark still there. 
Please help. 

US BKPT CT NJ XXXX
Consumer complaint received 2020-09-22
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. (NY)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2021-05-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diverse Funding Associates LLC (NJ)

DNF Assoc is listed on my credit report as a collections account. I have been trying very hard to rebuild our credit, and this account is a problem. According to my credit report this was reported in XX/XX/2020, amid the pandemic. 
I was not given any notification of this debt, nor have I been contacted since this debt has been added to my credit report. How can you report a debt to the Credit Bureau, especially in a derogatory manner without giving any kind of notice to the creditor? I wasn't even given the chance to settle this account. 
I have contacted you several times, I was told my account is CEASE Pending. still no results or resolution. I am not even clear what account this is for. I expect this derogatory mark to be removed from my Credit Report immediately.
Consumer complaint received 2021-02-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (GA)

LVNV FUNDING LLC and XXXX  has been reporting that I have a collection/charge-off account with them and they are putting derogatory information on my credit reports. After being frustrated with this situation I decided to do some research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA LVNV FUNDING LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2020-11-04
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: ARVEST BANK GROUP, INC. (FL)

Entered into a forbearance with Arvest Central Mortgage. Was informed that so long as the payments were made before the end of the forbearance my credit would be fine. My account was good until XX/XX/XXXX. In XXXX I was called to discuss options and I informed the representative that we were selling our house and closing on XX/XX/XXXX. I said we would be taking the proceeds from the sale and paying off the loan. 
On XX/XX/XXXX, we closed and the loan was paid off. On XX/XX/XXXX I started receiving emails that my credit score went from excellent to poor. Upon checking, Arvest reported my account delinquent. Several calls and emails to Arvest confirmed that my account was improperly coded and that my account should have been reported as NOT being late or delinquent due to the forbearance. One agent said she could see in the computer that my account was not coded correctly. 
The last call I made, I was told there were over a hundred people in front of me and they would get to me when they got to me. I am trying to finance a car and my credit is ruined due to a glitch on their end.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (GA)

RE : UNAUTHORIZED INQUIRIES & PERSONAL INFORMATION PLEASE REMOVE THE FOLLOWING UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX : INQUIRY DATE : XXXX XXXX PULL INQUIRY DATE : XXXX XXXX XXXX, XXXX XXXX INQUIRY DATE : XXXX XXXX INQUIRY DATE : XXXX XXXXXXXX XXXX  INQUIRY DATE XXXX THE FOLLOWING ADDRESSES ARE INCORRECT PLEASE DELETE THE FOLLOWING : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX THE FOLLOWING INQUIRIES AND PERSONAL INFORMATION ABOVE ARE INACCURATE, AND I DIDNT GIVE THESE FOLLOWING COMPANIES AUTHORIZATION TO ACCESS MY CREDIT REPORTS FOR THIS REASON. BY LAW SECTION 604 15 U.S CODE 1681 B STATES THAT CREDIT REPORT AGENCIES, DONT HAVE THE RIGHT TO REPORT ANYTHING ON MY CREDIT REPORT WITHOUT A WRITTEN CONSENT FROM ME. BY LAW SECTION 605 A 15 U.S CODE 1681 C-1 STATES NO CONSENT FOR THESE INQUIRIES WHICH MEANS IDENTIFY THEFT. BY LAW SECTION 605 B 15 U.S CODE 1681 C-2 STATES THAT IF CREDIT AGENCIES ARE NOTIFIED ON SOMETHING ON YOUR CREDIT REPORT THAT RESULTS FROM IDENTITY WHICH MEANS THAT I DIDN'T GIVE CONSENT ONCE AGAIN TO THIS.

PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT REFLECTING THE ABOVE CHANGES!!!
Consumer complaint received 2019-08-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Hello I am having an issue with a series of multiple medical collections being reported against my consumer credit files by a company that refuses to process my disputes. They have yet to verify anything, even though I have asked them for the better part of 1 year. 

These accounts are reflected against XXXX, XXXX and XXXX and are stamped as " meets FCRA requirements '' but none do as none have been documented to me. I contend that they are not mine and the company reporting them has failed to investigate the matter as directed by myself in compliance with my rights under FDCPA/FCRA. 

I have been given the run around for a long time and am asking for mediation by this federal agency in addressing this matter.
Consumer complaint received 2020-11-22
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: CREDIT ACCEPTANCE CORPORATION (OH)

Credit Acceptance Corp. listed an account on my credit that is not mine. I do not own this vehicle never owned this vehicle I have no affiliation with this vehicle. On numerous occasions between XX/XX/XXXX-to present day I have informed them of this mistake and repeatedly they ignored me and furnished no proof of me acquiring this debt.