davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them. 

For some, I recognize the names that are listed as original creditor, but I dont understand how I could owe so much as I dont recall ever having gotten so much debt.
Consumer complaint received 2023-01-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC (MI)

I have been contacted 6 times by United Wholesale Mortgage company. I have blocked numbers, I have answered and said take me off your list, I am not interested. I have texted opt-out to their text messages, after I never opted-in to receiving their solicitation text messages. I was called at after XXXX one night by United Wholesale Mortgage XXXX I was called all weekend. I believe they are spoofing numbers so the number they are calling from is the same area code as I live.
Consumer complaint received 2018-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

On my credit report there are 2 debts. I made contact with trans union in  XX/XX/XXXX to dispute various items from addresses and phone numbers including these charged debts. Both XX/XX/XXXX-XXXX XXXX {$2700.00} & XXXX XXXX {$320.00}. They mailed me an updated copy of my report XX/XX/XXXX with the debts still there. I did not complain assuming investigation pending. I called them XX/XX/XXXX because the reports are still on my credit. They were rude and show no record of the disputes. However they validate my contacts in XX/XX/XXXX. I wanted them to provide me with the information these creditors had on my identity so I could document for person use. They could not. I have made attempts in the past to contact the creditors and they also would not give me the requested information. Do I have rights? Fair credit act i think. I tried to excersise them and was redirected. I followed procedure its not my fault the emloyee did not. So I'm requesting FTC to step in. The collection agency reps are out of the USA and don't seem to care I wanted to exercise my FCRA rights as I clearly requested to do so via conversation.
Consumer complaint received 2018-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (NY)

Westlake Financial Services has consistently misreported to my XXXX   and XXXX  reports multiple times. 

On my XXXX  my score was dropped 45+ points on or around XX/XX/2018 and again on or around XX/XX/2018. 

They have passed the FCRA requirement of updating payment information for the months of XX/XX/XXXX XX/XX/XXXX and XX/XX/2018. They have also disregarded the weekly calls I have made every week since this issue has occurred. 

I also would add that Westlake Financial was supposed to give a financial hardship credit in XX/XX/2018 but instead Westlake Financial didnt  apply that forbearance
Consumer complaint received 2024-05-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MI)

LVNV FUNDING LLCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RESURGENT CAPITAL SERVICES L.P Indicated a balance of XXXX I have no knowledge of this account nor had any purchases this was open fraudulent
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: CITIBANK, N.A. (VA)

On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, MACYS/DSNB add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX.
Consumer complaint received 2018-09-19
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (FL)

XX/XX/XXXX To Consumer Financial Protection Bureau, Hello, on XX/XX/XXXX I filled a dispute charge with Care Credit. On XX/XX/XXXX I had payed a dentist to place implants in my mouth ( XXXX ), service charged to Care Credit in the amount of {$8600.00}. Days after the job was done I noticed a problem - one of them was too small. I contacted the dentist and he wasnt willing to fix the problem. I tried again. 

I finally filed a complaint with Care Credit requesting some money back - the implant was defective and needed to be replaced. I gave them plenty of information, pictures, a letter from another doctor, etc I got an answer back from them on XX/XX/XXXX. It stated that they considered my case a quality issue and could not judge the quality of merchandise received. Then went on to tell me to work directly with your merchant to reach a resolution for your concerns. I appealed their decision and their answer was that Synchrony bank is unable to intervene in this matter, due to a purchase agreement you entered with the provider. You signed the providers contract consenting to potential risks and complications. 

Care Credit was visibly trying to side with the doctor. That contract says nothing to acquit him from a bad job. In fact it helps me. The problem was caused before the XXXX not after. It was intentional, not consequential. Care Credit was acting like a MEDIATOR between me and the doctor, I could have gone to another institution for that. They just wasted my time. I had already tried that on my own and the result wasnt satisfactory. The doctor is very good at writing nice letters but his demands that I sign an unscrupulous document releasing him from any responsibility is unacceptable. He didnt act in good faith. Yet Care Credit keeps telling me to work directly with the provider. 

I went to the Care Credit Dispute Department to request money back so I can finish my treatment anywhere I choose. It shouldnt be a decision Care Credit makes for me. If they can not make a judgement on a simple case such as mine, how are they able to judge on any case medical related at all, considering they are a medical related card? 

I finally got the answer I was looking for. As I spoke with one of their Dispute Department representatives last week I asked her why they had a Dispute Department if they are not able to judge, and she said that they are requested to have the XXXX - by law. That means their department is only a facade. Thats a disservice to their card holders. Im requesting CFPB to make an investigation on Care Credit Dispute Department Practices, and that they remove any late fees and interest fees from my account. 

Thank You Very Much,
Consumer complaint received 2020-05-22
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: Experian Information Solutions Inc. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2017-08-11
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: Bread Financial Holdings, Inc. (NY)

XXXX 's client XXXX XXXX is an identity theft victim. Someone used his information to establish several fraudulent accounts without his consent. Some of the applications submitted resulted in fraudulent related inquires. A formal dispute of those inquiries was sent to the respective organization however the inquiry was not removed ; this is a violation of FCRA regulations. A dispute was then sent to the credit bureaus and again the inquiry was not removed, another FCRA violation. As of this morning a credit report found CCB ( Comenity Captial Bank ) is reporting the fraudulent inquiry generated to XXXX X/X/17.
Consumer complaint received 2018-09-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

On or about XX/XX/2018 i called capital one to begin resolving an old debt of {$430.00} was referred to XXXX XXXX XXXX  and made arrangements to have {$40.00} taken from my debit card every month until debt was resolved gave the man on the phone my name ss # amount to be taken debit card number, expiration date and security code. Completing what i thought were legitimate payment arrangements since that day i have recieved daily harrassing phone calls and today XX/XX/2018 i recieved a dilinquent notice. I immediately called XXXX was told they never recieved arrangements. I asked to speak to a supervisor she informed me that i agreed to pay {$71.00} which i did not. I asked for copies of my phone calls, i would have to wait until friday i tried to explain my predicament and was met with more harrassment from the supervisor telling me i told the rep. I lost the card made agreements i didnt make and i would be held to what information was falsely written on my account. Account At which point i became very angry and hung up the phone. I called them to settle my debt, become healthy financially. My name is XXXX XXXX XXXX the acvount number in question is acct. # XXXX thank you for your assistance in this matter!
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX Account number XXXX XXXX DEPARTMENT OF EDUCATION Account number XXXX I have disputed these accounts over and over sent letter out to creditor and credit bureau to verify this account and I have not received anything showing these accounts belong to him I have reported this account to the FTC
Consumer complaint received 2021-02-23
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. (TX)

I have sent multiple letters to Experian disputing the inaccurate reporting of the following account : XXXX Account # XXXX They are reporting this as an " Auto Loan '' and the contract from XXXX clearly states it was a Motor Vehicle Retail Installment Sales Contract ( See attached document ). 
Experian 's last response on XX/XX/2021 verified all information being reported was accurate and correct ( See attached document ) Inaccurate reporting is a FCRA violation. 
They have failed to perform a complete and proper investigation! My credit rating is very important to me and this is unacceptable in the middle of this Pandemic!
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (MI)

I have an account with Fedloan Services for my student loans. On XX/XX/XXXXI was granted both a delinquency Forbearance and a general forbearance with dates of XX/XX/XXXX-XX/XX/XXXX ( can provide letters ) On XX/XX/XXXX I was granted another delinquency forbearance and general forbearance with dates of XX/XX/XXXX-XX/XX/XXXX ( can provide letters ) Both of these are still showing as 90 days late on my credit report even to they were in forbearance ; the Fair Credit Report Act Section 623 ( a ) ( 2 ) seems to support the removal of previous negative credit history. It is my understanding of law that- Some cases the new information corrects a report that was erroneous ( e.g., the loan was wrongly reported as delinquent, because a deferment authorized delayed repayment ), and in others the subsequent information updates a report that was accurate when it was made ( e.g., the loan was correctly reported as delinquent, but has subsequently been paid ). You ask if the school must report the updated information to the original credit bureau, and if that agency is required to accept the data. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. I have requested Fedloan to update this information to the Credit Bureaus and they have told me twice they would not update my credit information on dates of XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2020-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

PHH Mortgage sent a statement that stated that the payment due on XX/XX/2020 was {$14000.00}. 

I mailed a check to PHH Mortgage in the amount of {$14000.00} on XX/XX/2020. 

On XX/XX/2020, I received a letter from PHH Mortgage stating : " Enclosed please find a copy of your check with check number XXXX in the amount of {$14000.00}. This payment is being returned for the following reason : the amount provided is insufficient to cure the default. '' PHH Mortgage is incorrect. I did not send check number XXXX in the amount of {$14000.00}. Attached to their letter they provided a copy of my check number XXXX which is made out in the amount of {$14000.00}. 

I have no outstanding principal owed on this mortgage. They are proceeding to foreclose while making almost impossible for me to resolve this issue with them. I sent the amount of money they asked for and send it back for erroneous reasons.
Consumer complaint received 2021-05-23
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION (NC)

Credit acceptance corporation was notified by myself about a voluntary repossesion on a vehicle that my husband had and he was not paying on. I told them where the vehicle was and where to pick it up at. Credit acceptance continues to call me numerous times all throughout the day asking me to pay the remaining balance on the vehicle to keep it. I again explained to them that I had already previously called them and wanted them to repossess it. I explained once they get the vehicle and auction it off then we can discuss settling whatever balance is owed. Credit acceptance has continued to call every day and even called today XXXX XX/XX/21 XXXX on a Sunday, which is considered a XXXX  holiday for me.
Consumer complaint received 2020-05-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had an auto account with capital one auto finance. The accounts payment responsibility wasn't mine. I had no idea that my father put a car under my name. I called capital one and they said they would correct the payment history to paid on time for all the payments if I paid the account in full. I ended up paying the account in full and they didn't do anything to update the payment history to paid on time. I called and they told me to dispute with the bureaus. Because I disputed, it made my credit score drop even lower. No It has killed my ability to purchase a home because of this derogatory reporting to my credit report that Capital One Auto Finance said they would fix.
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

An incorrect negative statement was filed by XXXX Credit Card. I protested to them and filed a complaint with Experian and my credit score ( FICO ) dropped from XXXX to XXXX and continues to drop. They have made promises that it will return but nothing has changed.Please help, I have always had an impeccable credit scores with NEVER a negative filing for over 50 years!
Consumer complaint received 2020-04-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Its been almost a month and Im still locked out of my account. Which is current. Ive contacted web support as well as customer service several times. Yesterday ( XX/XX/20 ) I was on the phone for an hour attempting to get it resolved before it just hung up. I woke up today thinking maybe the rep continued to work on the issue despite her call dropping and nope. She didnt. Im still locked out of my account. How am I supposed to continue paying my bill on time if Im locked out of my account during a pandemic. Wait times are through the roof for customer service. This is absurd.
Consumer complaint received 2023-01-30
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. (VA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2020-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (WI)

SEQUIUM has put a collection on my credit report about an XXXX   XXXX  equipment charge. Back in May i notified them by US mail that i didnt owe this they never responded. I also challenged this on my credit report and somehow its still on there.
Consumer complaint received 2020-01-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lyons, Doughty & Veldhuis, PC (OH)

The company, XXXX XXXX is seeking wage garnishment via a collection company by the name of lyons, doudy, and veldhuis for a debt that did not belong to me from 2006. At the time, I had just graduated highschool. I had spoken with them multiple times to advise that the debt did not belong to me. My identity was stolen by my step mother who is not deceased. I have tried everything to get these creditors to investigate the matter further, however they have not been willing to work with me. It is creating so many issues with my life and I am running out of options. I need help
Consumer complaint received 2020-10-22
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. (KY)

I have disputed the inaccurate reportings with TXXXX, XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX. I never paid the following accounts late, XXXX XXXX XXXX XXXX : XXXX is reporting a payment status of current with no late payments, XXXX is reporting a payment status of current with no late payments and Equifax is reporting a payment status of current with late payments of 30 days in XXXX and 60 days in XXXX. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX  and Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, XXXX and Equifax have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Consumer complaint received 2018-09-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (OH)

I pulled my credit report and noticed a collection account from XXXX XXXX in the amount of XXXX. I mailed a letter to XXXX XXXX requesting the documents that validates this debt. They mailed me a letter back demanding my attorney contact information, and failed to send me validated proof.
Consumer complaint received 2018-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC (MO)

IMy car a XXXX XXXX XXXX was financed for {$7000.00} by American Credit Acceptance. On XX/XX/XXXX, I give the car back by voluntary surrender. As of today XX/XX/XXXX they are reporting to Credit bureaus that I owe them {$6700.00} I owe American Credit Acceptance nothing because they have the car and sold it at a private aution. I want them to report to all credit agencies that I owe them nothing. I feel American Credit Acceptance is committing Fraud and trying to get double what the car was woth. I want a full investigation and will be waitng for your respnse. XXXX XXXX XXXX
Consumer complaint received 2022-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed an account that I did not recognize. The dispute removed the original creditor from my credit reports. However, the collection remains. If the original creditor rules in my favor and said I was not liable for the account, why wasnt the collection deleted as well? 

The original account was XXXX and the associated collection is XXXX.
Consumer complaint received 2020-07-26
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (NY)

Hello my name is XXXX. I am XXXX years old and I live in New York. When I was XXXX my older brother and I went to a {$30000.00} College in XXXX called XXXX XXXX.4 years ago I got a job as a XXXX. About two years ago I started getting garnished by a company called XXXX and XXXX for my private student loan which was XXXX. To make matters worse I find out that my brother 's Federal College loan I am being charged for. Navient owns my private student loan which was XXXX and they also own my brothers Federal {$30000.00} student loan but they both are being charged to me. so I'm now being charged XXXX for the private loan ( being garnished for that ) and I'm losing my tax return on for my older brothers federal student loan for XXXX that I didn't co-sign for and didn't have the ability to due to the fact that I was not working and I was only XXXX years old. As for the private loan that I took out for my XXXX XXXX XXXX in XXXX XXXX at XXXX XXXX NY, I could not afford to repay the loan when it was originally obtained. 
I was misled about the loan. 
The credit provider knew or ought to have known that i did not understand what was happening and took advantage of me