davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AR)

XXXX XXXX has reported my account as a Charge Off ( AGAIN ) since I filed my complaint on them XX/XX/2021. The dispute and investigation is ongoing right now. I received a credit alert from XXXX XXXX XXXX Equifax indicating XXXX has sent charge off information again to them. In my existing complaint, this is one of my complaints that they are sending erroneous and inaccurate information to the credit bureaus as well as, harassing me for payments. Additionally, XXXX is reporting this information back to back each month. I thought credit reporting was reported once a month, however all there credit bureaus are allowing XXXX to report information 2 to 3 times each month, one day after the other. For example, XXXX reported Past Due 120 days on XX/XX/2021 and as a Charge Off on XX/XX/2021 BUT they had already reported this very same information on XX/XX/2021???? This is illegal according to FDCPA rules. In addition, XXXX has received monies from my insurance company, warranty and me to pay this vehicle off. I have reported this information to Attorney General 's XXXX in the state of Arkansas as well and do indeed intend on suing XXXX for their rogue and illegal actions. I have tried to submit a dispute with all 2 credit bureaus concerning this issue in the past and on today ; and I can not. Their system states, I have already disputed this item, several months ago ... and the submission to dispute continually fails to upload- again ruining my credit. This very issue- is an open investigation CFPB XXXX # XXXX. I am sending a copy of this complaint to all XXXX credit bureaus and officially filing a complaint against them today as well for their actions of denying me submission to dispute this matter. Due to this deliberate attempt on XXXX 's behalf my beacon points decreased by XXXX points.
Consumer complaint received 2020-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX2020 - I had noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, TransUnion, and XXXX. 

I didn't hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard back from these Companies not even yet man. Signature and Attached legible SSc and id as well This insane it has ben over 34 days!!!!
Consumer complaint received 2021-04-25
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. (OR)

Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX  and XXXX XXXX, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2018-07-11
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. (IL)

Complaint submitted on XX/XX/XXXX to XXXX, XXXX, and Experian. The have not deleted any incorrect information. The things reported in XXXX are still on the credit report this is XXXX XXXX. The statue of limitations is 7 years. Inaccurate information should have been removed 3 years ago.
Consumer complaint received 2017-08-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: RMS-Recovery Management Services, Inc. (NY)

On XX/XX/2017 I got a call from Recovery Management from a masked number which was XXXX informing me or legal counsel to call XXXX with a case number of XXXX. Persons name was XXXX XXXX and when the Manager came on he demanded XXXX dollars on my debit card to hold my settlement amount of {$700.00} from a old XXXX debt. He threatened me with court action without letting me talk and hung up. 

I told them I settle for the {$700.00} but did n't have any money. I even said I 'll pay the {$50.00} to hold my settlement but as a one time payment not as a recurring payment. The manager said NO and said " we 'll see you in court '' and promptly hung up without letting me talk. 

On XX/XX/2017 they called several of my family members who have no connection to my financial situation. They called my brother and cousin and leaving them a voicemail with my name.
Consumer complaint received 2021-03-04
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I was behind on my Mortgage with Chase Bank where I was searching internet for a Company to assist me in refinancing my existing loan with my current lender CHASE to lower my payment so it will be affordable for me. I called XXXX at XXXX and spoke with Mr. XXXX XXXX and then he set up an appointment for me at their office, located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. 
On XX/XX/XXXX I went to their office and met with Mr. XXXX XXXX and his Supervisor Mr , XXXX XXXX and initial talk they promised me to modify my loan to a lower rate with Chase in 90 days for me and for any reason they are unable to do so then they will issue a full refund to me. They extracted a sum of {$7000.00} from me and literally done NOTHING. 
I had my attorney called Chase and spoke with Mrs XXXX who stated that there is no record of any representation by the said company and only they received a call from Mr. XXXX XXXX at XXXX XXXX on XX/XX/XXXX advising us that Mr. XXXX XXXX need financial help which they were told by XXXX XXXX to have me to call them. There was no other correspondence or calls after that. 
I believe I am a victim of a fraud by this company. My attorney advised me that under Senate Bill 94 passed in XXXX, No one including attorneys to collect any up front money from me and any one for a loan Modification. 
XXXX XXXX, My Cell is : XXXX My address is : XXXX XXXX XXXX, XXXX, CA XXXX
Consumer complaint received 2018-07-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc. (TX)

Note : Account was completely satisfied with Creditor. See notes below : GM FINANCIAL : Account # XXXX Account Type : Auto Loan Date Opened : XX/XX/2013 Account Status : Closed Payment Status : Charge-off Balance {$5900.00} -Account settled for {$1500.00} Original Balance : {$33000.00} Past Due Amount - $ XXXX Account Settled for {$1500.00} Terms : 77 Months
Consumer complaint received 2018-07-12
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Notified on XX/XX/2018 by CapitalOne Master Card of charges on our card ending in XXXX at XXXXXXXX XXXX. On Sunday morning at about XXXX I called their Fraud Dept.. Three charges were made that night as follows : XXXX XXXX XXXX XXXX XXXX for {$3000.00}, XXXX for {$15.00} and then again for {$17.00}. CapitalOne cancelled that card and removed these charges from this card and took action to issue a new card. Today CapitalOne notified us of a new charge to XXXX XXXX for {$380.00}. I called CapitalOne as this charge showed against the new card that we have not received as yet. XXXX a Fraud Account Mgr. indicated that this charge was allowed against the cancelled card because a number of attempts was made to process it. She indicate that this happens at Visa and MasterCard. It appears that there is a flaw in these credit card  systems that allows a fraudulent charge to be processed against a protected cancelled card. It appears that there is a programming issue in these credit card companies that is putting consumers at risk.
Consumer complaint received 2020-09-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (AZ)

Hello, I am requesting a futher review of complaint number XXXX. The case was closed and the issue still has not been resolved. 

The issue still has not been resolved, SPS has requested more documents after the complaint and still has not issued a response in the matter. They have had all required documents this time since XX/XX/XXXX. Please keep in mind this process has been going on for 2 years and due to delays on their end we continually need to send updated documents. This of course restarts the review process and starts the vicious cycle over again. For the life of me I cant believe a company is allowed act like this, how are they in compliance? 

Here is my original complaint filed XX/XX/XXXX Two years ago a applied for a mortgage modification with my original mortgage companies which were XXXX  ( 1st mortgage ) and XXXX ( 2nd Mortgage ) and with in a month or so both loan were transfered to Select Portfolio Servicing after being with my old lenders for more than 10 years never missing a payment. Since being transfered to SPS I applied for a modification and was turned down twice. In XXXX of XXXX I applied for a short sale and went under contract and they dragged out the process for more than a year and the buyer walked leaving me to relist the home and start the process all over again. I have not been back under for more than a year and I see no end in sight. They request documents which I provide then they say they need 7 days to review and then something else will expire and the circle just continiues. I am trying to move on with my life and I moved out of the home a year ago thinking the short sale would take place and as of today they are requesting more documents. What options do I have if any? We also have been working with an agent that can supply addional information if needed XXXX XXXX XXXX
Consumer complaint received 2018-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Back in 2015, I provided all 3 credit companies with my proof of ID theft, along with court documentation showing that all accounts were to be disputed and removed for consumer credit report. At that time, I sent in that request to remove all hard inquires, along with all collections accounts. Upon checking my credit, it was found that a collection account still remains on my credit report, and I also have three account that should have been removed from report. This has damaged my good name and credit with these accounts still being present. They are also reporting that accounts that I have open are currently delinquent, when they have been all paid up and current. They are reporting out dated information, and it is making it hard for me to get any type of additional credit. I should be rebuilding my credit right now after over 7, almost 8 years of having to fight for my identity back. I am asking that all three credit companies, XXXX, Transunion, and XXXX update my information ASAP! I have sent letter certified mail, sent in copies of court documentation showing what has happened, and I want all hard inquires and collections and outdated unverified accounts removed from my report or I will take further legal action and sue all three companies! This is ruining my life! I want to purchase a home in the next year, or so.. And, I don't want this information holding me back. I just want to start fresh like I've been trying to do for the last 2 years.
Consumer complaint received 2020-09-14
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: Experian Information Solutions Inc. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NJ)

Hello i have been bullied and harassed income driven payment option with the option help me at all. I enter into i employee service loans was denied. now i was told to consoled =ate 1 loan that i been on for 25 years. The latest issue i was given a payment extension until XXXX on Friday XXXX XXXX. The next hour i was report 90 days late and my XXXX credit went from XXXX to losing XXXX points. I need to have my account updated and remove the 90 late charges off my XXXX credit report. I am asking the bureau to investigate these scratchy practices. We in recession and the only one is benefiting is this 9 % interest rate that Navient use to win. Income driven repayment payment
Consumer complaint received 2017-08-30
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. (CA)

the mtg loan, shows many delinquencies which are inaccurate i have received a letter from XXXX stating that the specific dates were on time and need to be corrected. 
please find attached letter from chase, but the bureaus have only updated a few of those delinquencies not all. 
i have XXXX sons who are in military and serving this amazing country, and people. but when it comes to getting a helping hand from people and organizations for which my sons are serving for, i get nothing. i need help to refinance my house so wont loose the only thing that i want to keep for my XXXX sons. if i am not able to refinance i will be losing this house and all the memories with it. 
please help me to have these negative marks removed from my credit report. 
thank you for your time
Consumer complaint received 2020-09-14
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. (TX)

I have sent Affidavits to XXXX, Equifax, and XXXX by certified mail asking for proof of Contract with two wet signatures from both parties stating that I am Contracted to pay Child support and have it report on my credit report. I was never provided the evidence and neither credit agency removed the Account, I also have Hard Inquiries that I have Disputed that are also Unauthorized because I never gave them permission with a wet signature to run my credit report and it still remains on my credit report.

I received a copy of my credit report and found the following item ( s ) to be errors.

I would like to be provided proof I consented to this account via FCRA section 609 and 605 as well as the accuracy of this account via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. Please provide me with the method of verification that you and/or your staff used to verify and validate this account- any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2020-09-14
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. (TX)

I have sent Affidavits to XXXX XXXX, and Experian by certified mail asking for proof of Contract with two wet signatures from both parties stating that I am Contracted to pay Child support and have it report on my credit report. I was never provided the evidence and neither credit agency removed the Account, I also have Hard Inquiries that I have Disputed that are also Unauthorized because I never gave them permission with a wet signature to run my credit report and it still remains on my credit report. 

I received a copy of my credit report and found the following item ( s ) to be errors.

I would like to be provided proof I consented to this account via FCRA section 609 and 605 as well as the accuracy of this account via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. Please provide me with the method of  verification that you and/or your staff used to verify and validate this account- any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2023-02-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

On XX/XX/2022 I submitted an affidavit of truth regarding XXXX XXXX XXXX furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
I have disputed the incorrect information that they are reporting to the Credit Reporting Agencies they refuse to acknowledge reporting inaccurate information regarding a charge off according to the internal revenue service a charge off as defined by the internal revenue service must be reported as cancelled debt as gross income. The IRS clearly defines a charge off as Gross of Ordinary income, INCOME DOES NOT GET REPORTED THE CONSUMER REPORT. Please see the attached Affidavit of Truth and a correspondence from XXXX XXXX stating that the credit reporting is accurate. 
I am requesting assistance to hold them accountable for violation of 15 USC 1681 S-2b the responsibilities of furnishers of Information to consumer reporting agencies. Also on XX/XX/2022 I filed a notice of dispute that will be attached acct # XXXX.
Consumer complaint received 2020-09-14
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: Experian Information Solutions Inc. (NC)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX