davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-09
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. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2019-03-05
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CONTRACT RESOLVE GROUP LLC (TX)

I have an outstanding debt with XXXX XXXX and I am working to resolve the debt and have explained this to Mr XXXX. 

I have received multiple calls at my place of business from XXXX XXXX XXXX, XXXX ( XXXX XXXX ), XXXX XXXX XXXX XXXX, XXXX TX XXXX, Phone XXXX, Ext XXXX. I have explained to Mr. XXXX that he is calling me at my work and we are not allowed personal phone calls. Yesterday XX/XX/19 Mr. XXXX called and yelled at me. He keeps tell me he will come to my place of business and have me served with lawsuit papers. 

Mr. XXXX has called me 5 times and every time I have told him this is my work number and have asked him not to call me at this number. Mr XXXX has my email, cell number and my home number but continues to call my work number He called me on the following dates and times XX/XX/19 @ XXXX XX/XX/19 @ XXXX XXXX XX/XX/19 @ XXXX
Consumer complaint received 2017-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA,  I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely,
Consumer complaint received 2017-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (SC)

Loan Number ( Loan # XXXX ) XXXX XXXX XXXX XXXX SC XXXX We were notified XX/XX/XXXX that the servicer BSI Financial had no record of us having insurance for the period of XX/XX/XXXX- XX/XX/XXXX therefore the company BSI must force us to pay an additional {$310.00} per month on our payment due to escrow shortage. This address is listed below : BSI Financial Services XXXX XXXX XXXX XXXX XXXX, PA XXXX To remit overnight payments, mail to : BSI Financial Services Lockbox Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Customer Care Phone : XXXX Customer Care Fax : XXXX We took the following actions called them on XX/XX/XXXX, called on XX/XX/XXXX and faxed on XX/XX/XXXX still no corrections made and they are changing our payments to {$1500.00} effective XX/XX/XXXX. This is not fair to us because the error was made BSI Financial. We want payments corrected
Consumer complaint received 2022-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This account is inaccurate XXXX XXXX XXXX # XXXX. The Last date of Activity, Payment, Account Type - Detail, Account Status, High Credit and Payment History are all inaccurate and an FCRA violation. Please remove it from my credit report.
Consumer complaint received 2017-12-28
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: HYUNDAI CAPITAL AMERICA (VA)

When looking for financing to buyout my vehicle at the end of the lease, I relied on the buyout quote from XXXX XXXX XXXX XXXX website that said that the buyout amount quoted " includes any sales tax ( if applicable ). '' I understood that to mean that any sales tax would be included in the buyout amount. In talking with the dealership from whom I purchased the vehicle, they confirmed my understanding In finalizing my financing, however, I learned that what was stated on the buyout quote is wrong, and that I would need to contact the XXXX XXXX. When I called a manager at XXXX XXXX XXXX to discuss the problem and how as a consumer, the language was not clear, I was told " too bad... we do n't want your advice ''. Now, with less than two weeks left, I have to redo all of my financing because I had not anticipated any sales tax in my budgeting.
Consumer complaint received 2022-03-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I've been very patient with the credit reporting agencies in regards to a late payment that is being reported on my credit file which is inaccurate. The late payment from creditor XXXX XXXX was reported in XX/XX/2021. I've reached out to the creditor directly and they've also stated there was no late payment on their end from me. I've reached out to the credit bureaus MANY different times and have either gotten hung up on after waiting on the phone for hours, have been told they haven't received any of my letters, or that the investigation is still under review. This has been an on going thing for months where the bureaus are dragging this out and continuously reporting information that's incorrect on my credit file. I've written multiple letters back when I first noticed the late payment reported, a letter in XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of this year. Its frustrating knowing that its inaccurate and Im powerless in resolving it. They've been pushing the investigation back for months, giving different answers, or hanging up when I get through to someone. I work 58 hours in a week and getting drained doing this. They've had plenty of time for the investigation. Its been way longer than 60 days! They can not keep taking advantage of me like this. PLEASE HELP!!
Consumer complaint received 2021-08-04
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: CCS Financial Services, Inc. (FL)

XX/XX/2021 I MAILED " CREDIT COLLECTION SERVICES '' XXXX @ XXXX, 2021 THEY RECEIVED MY DISPUTE. 

DATA FURNISHER FAILED TO MARK ACCOUNT AS DISPUTE AND FAILED TO RESPOND TO MY DELETION REQUEST IN A TIMELY FASHION. THEY ARE REPORTING TWO DIFFERENT OPEN DATES, HOW IS THAT EVEN POSSIBLE? I ONLY HAD 1 ACCOUNT. ONE BUREAU IS REPORTING OPEN ACCOUNT STATUS THE OTHER IS REPORTING CLOSED ACCT STATUS. PLEASE DELETE BECAUSE OF INACCURATE REPORTING AND VIOLATION OF 15 U.S. Code 1681e
Consumer complaint received 2017-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (AZ)

My debit card ending in XXXX - was fraudulently used overseas to withdraw funds on 5 different occasions. Totally more than {$2400.00}. I filed a dispute with Navy Federal and the same day my claim was denied because they found no error due to my account activity? I believe my debit card was skimmed when I attempted to withdraw funds when I was in XXXX XXXX but the machine could not read my card and spat out my debit card. Now I am out more than XXXX $
Consumer complaint received 2023-01-27
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. (IL)

I have a collection from XXXXXXXX XXXX I have never opened this account with XXXX XXXX  both, the credit bureaus and creditors failed to send out physical documentation stating the DEBT belong to me.
Consumer complaint received 2019-10-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

Called For A Reconveyance statements and tax statements, Phone calls go Nowhere they say no account in system? 
Prior Phone Number goes from OCWEN to PHH Mortgage. 
When I call for reconveyance Department they say it no longer accepts calls? 
Goes back into regular phone system. 
No Customer service or account availability to resolve issues
Consumer complaint received 2017-11-06
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: AMERICAN EXPRESS COMPANY (CA)

All my American express account is settled, we had a dispute about some charges and it is finally settled, American express reported my account as charge off when it should state settle, please fix the reporting and send me a copy of the credit report.
Consumer complaint received 2017-11-08
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

I have filed several complaints with cfpb in regards to this creditor this acct was supposed to be a settlement in full yet they are still reporting delinquent acct on at least two credit reporting agencies my next step is legal action also this acct is stating as a charge off how is that possible when I several letters of proof of settlement and my car title
Consumer complaint received 2022-03-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (FL)

Currently being extorted by Affirm.com for an installment loan they initially approved but did not actually provide for an XXXX order. 

On XX/XX/XXXX Upon placing the order through XXXX with the provided payment details from Affirm.com the provided payment method was immediately declined and upon speaking with representatives from Affirm about resolving this issue I was instructed to cancel the XXXX order, which I did. Therefore no order was sent to me or received by me. 

Now a month later, this still sits in my account as open and they are requesting payment. After an entire month of trying to resolve this issue with Affirm they continue to extort me, for a loan/order that was clearly cancelled and not received. 

I've provided evidence as such to Affirm at their request no less than 5 times now, and continue to be hassled about this.
Consumer complaint received 2017-12-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MN)

I have sent XXXX XXXX XXXX. multiple letters throughout the past year requesting validation on this alleged debt, showing that I have a legally binding contractual obligation to pay the alleged amount. The only thing XXXX XXXX has sent me in the past twelve months is an itemized document without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I have never done business with XXXX XXXX XXXX, never signed a contract, nor do I owe them any money. 
XXXX XXXX has not complied with FCRA 623 ( a ) ( 3 ), or section 603 ( p ), and has not complied with the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30 day period.
Consumer complaint received 2019-10-28
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (CO)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that NAVIENT has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2017-11-06
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: CITIBANK, N.A. (TX)

XXXX - Inquries are not mine. No knowledge. 
XXXX XXXX XXXX, XXXX XXXX XXXX, Citibank, XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Google Compare Credit Cards Inc. (CT)

I am unable to remove my stored XXXX credit card ending in XXXX that I had on file with XXXX XXXX XXXX for 2 cancelled subscriptions under the account number XXXX login : XXXXXXXXXXXX Please read my account number and email above so that you are looking at the correct account. This complaint is under my XXXXXXXXXXXX Google account. Please do not close this complaint without investigating fully. XXXX XXXX XXXX closed my original complaint but my XXXX is still there. I can see it now. See screen prints attached. 
Also I am unable to close my Google Payments Profile. All Google 's website links are circular taking me back to the same location indicating I can not close my payments profile or remove my credit card. I cancelled my subscriptions to XXXX XXXX and XXXX XXXX on XXXX XXXX, XXXX. I have tried for 3 days to call and email XXXX XXXX with no results. XXXX XXXX XXXX. is licensed as a Money Transmitter in my state of Connecticut. Representatives from XXXX, XXXX XXXX, XXXXXXXX XXXX and XXXX XXXX told me that I must maintain a credit card on file even if I am no longer subscribing to any paid services, that I can not remove my XXXX until I replace it with another card, and to purchase a prepaid card. Additionally, my XXXX XXXX subscription was a " free trial '' subscription and the XXXX XXXX rep indicated due to " audit & compliance '' they must maintain my credit card on file but that it is encrypted and in cold storage. The screen prints below do not appear to support his assertion. This is unacceptable.
Consumer complaint received 2022-09-09
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. (GA)

I am submitting this CFPB Complaint today to follow up the previous complaint I submitted on XX/XX/2022 requesting the Credit Bureaus to delete the dispute items. I have been asking for the Credit Reporting Agencies to provide me copies of proof of verification which until now, they have failed to do so. Under the Fair Credit Reporting Act, the Credit Reporting Agencies must correct my Credit File by either updating the disputed accounts to turn possitive or by completely deleting the dispute accounts from my Credit report. Once again, I am requesting that the Credit Bureaus remove the following disputed erroneous accounts completely from my Credit Report as soon as possible : XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance XXXX : {$0.00}
Consumer complaint received 2017-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I received letters dated XX/XX/XXXX from Chase Bank indicating that they have closed all of my credit card accounts because my credit report shows that I have too many new accounts. I then contacted chase over the phone to discuss the matter, and was told that I am considered too risky for the bank therefore they are terminating all of my accounts. If Chase is concerned about credit exposure, the fair course of action could be lowering the credit limit on the accounts rather than shutting them down. It is hard to understand how Chase has arrived at such conclusion as I never had a late payment throughout 8+ years of credit history, being current on my mortgage payment, extremely low debt-to-income ratio, and pay off all my credit cards on a monthly basis. How does having too many credit cards suddenly make a customer too risky when they have demonstrated perfect ability to service their accounts responsibly throughout the years?
Consumer complaint received 2017-12-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (NV)

I was in tbe hospital in XXXX was very sick for 4 months. D Still recovering. So gave car back since i lost my home. And income whilr severly sick.i only missed 2 payments the can resell the the.id like my credit fixed.
Consumer complaint received 2017-12-28
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 — Problem with personal statement of dispute
Company: Westlake Services, LLC (TX)

on XXXX I mailed a certified dispute letter to XXXX XXXX., on XXXX they received the letter, XXXX they sent me a copy of the original loan agreement. On XXXX I pulled my credit again and realized they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the in dispute by consumer disclosure within the required 30-day period.
Consumer complaint received 2019-03-05
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. (TX)

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (MA)

Filed by : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX MA XXXX Filed against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NE XXXX Complaint Description : I paid off my student loan in full that is from XXXX! Well past the 7 year minimum for reporting on my credit. When I call Nelnet or mail them asking them to remove the false information they post again like they are getting back at me! After paying off my student loan from XXXX  ( 15 years ago!! ) I have called Nelnet countless times and have sent letters asking Nelnet to please remove their repetitive damaging marks on my credit reports stating that the loan is 120 days late again and again! I have told them to please comply with the fair credit reporting act and have informed them that they can not keep reporting a debt after 7 years and especially after I have paid it in full and have provided them proof of such payment. Nelnet just acts arrogant and high handed and nearly every time I complain they just post it again to my credit report as 120 days late!
Consumer complaint received 2019-10-29
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XX/XX/2019 I received a notification through my credit monitoring service that XXXX XXXX XXXX reported 30 and 60-day late payments to TransUnion. I have since disputed this erroneous information and sent a debt verification letter to TransUnion requesting that they verify this debt, since I never opened an account with XXXX XXXX XXXX. I asked for very detailed and specific information, under the rights afforded to me through the Fair Credit Reporting Act. I was then sent a letter back saying that the information was verified, but with no indication as to how. After sending a method of verification letter to TransUnion, I received a notification back saying that the information has been modified and that there was a request made to the reporting company to verify the accuracy of the information disputed ; however, code 609 of the FCRA outlines the responsibilities of the credit bureaus as follows : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer ( Page 36 ). 609 ( c ) ( 2 ) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section ( Page 39 ) 609 ( c ) ( 2 ) ( E ), a statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer, unless the information is outdated under section 605 or can not be verified. These codes clearly state that the information used to verify information in my credit report should be in the files of the credit bureau, not the creditor, and any information that can not be verified should be REMOVED. Since TransUnion has been negligent and dismissive in their handling of my dispute, I am requesting a full deletion of XXXX XXXX XXXX collection from my credit file.