davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (UT)

I requested an investigation ( sent XXXX and XXXX XXXX ) - IGNORED/NO RESPONSE. I then requested a re-investigation after multiple accounts included in initial letter were not acknowledged by XXXX through my online account ( sent XX/XX/XXXX and XXXX. XX/XX/XXXX ) - IGNORED/NO RESPONSE. The 2nd letter involved account showing multiple inconsistencies. 3rd letter sent is a demand for deletion of account due to the obvious ignoring of my dispute letters of said account as a consumer of which I was entitled to under the Fair Reporting Act. It is obvious an accurate investigation or even acknowledgement of dispute letters were even done! 3rd letter also demands deletion of account due to account inconsistencies still showing on a CHARGED OFF ACCOUNT NOW SHOWING THE ACCOUNT BEING OPEN!!!! It is obvious XXXX did not verify nor did they investigate this account with the debt collector! Charged off accounts can not be " re-opened '!!! Since the beginning of the dispute process XXXX has not done due diligence... .they have now taken it upon themselves to change the status of this account from charged off to open! Update as of XX/XX/XXXX : XXXX has now turned it back on GM and stated that GM has verified the account and that I need to send in more documentation that the account information I sent in is accurate??? ( I have already sent 8 pages )! THIS IS ABSOLUTELY INSANE! Who is protecting us as consumers?! Not Only have they listed the account as Charged Off TWICE in 2 separate years ... .they have now re-listed as of XXXX the account as OPEN when the account was included in a BANKRUPTCY! ILLEGAL ILLEGAL ILLEGAL!! I smell a lawsuit in the very near future, someone better take care of this mess and real quick!! On this premise alone the account must be delete ... .not corrected, not adjusted, no new information added ... NOTHING BUT DELETED!! It is doing irreparable harm to my credit!
Consumer complaint received 2021-06-06
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: FIRST PORTFOLIO SERVICING INC (NC)

XX/XX/XXXX, XXXX XXXX, from the MO Division of Consumer Finance responds via email to a complaint initiated with the Comptroller. She couldn't understand what the problem I had with with XXXX XXXX XXXX XXXX as issuer, and Vervent, as new servicer, was.

Again, the reports submitted to the bureaus include negative payment history that is not to be included.

The Bank 's response is accurate in fact. Describes the action to be taken on the entry by the servicer, Vervent. That action, nothing, since the information is accurate. They are not considering those Metro II rules for subscribers. 

Story : Account opened XXXX XXXX was reported lost ( record XX/XX/XXXX ). Replacement arrived XXXX XXXX. 

Rule : 1. Update Account Number, one seamless file. 
2. Open new account. Close original.

Bank Opted for # 2.

If you do that, the open date is the same. Negative information is excluded. 

Negative information removed from original account. Reinsertion rule prevents re-reporting.
Consumer complaint received 2021-06-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

My home loan mortgage is currently under the COVID 19 forbearance program. It expires in XXXX. Per the cares act - I am entitled to ask for an additional 6 months. Bank of America is not allowing my request to be processed.
Consumer complaint received 2015-07-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Pathfinder Credit Services (GA)

XXXX of XXXX, Fl, I got this loan in XX/XX/XXXX and I was promissed a good frame time before I started making payments, I have to mention that I have n't been able to work steadily, and therefore not making payments.A few times I asked XXXX to at least accept small installments, instead they sent my account to a collection agency ( Pathfinder ) I have been in contact with this collection company, but they do not accept minimun payments and all they do is make phone calls to make threats to use their legal department if I do not pay what they ask for, Pathfinder has inflated my original account by adding high interest rate, i was not aware of.On XX/XX/XXXX I was call call by XXXX whom made threats of legal action after i recuested that i needed to see the original statement from XXXX, since the account is getting bigger and bigger.I want to stop them to call me and to harras me or intimidate me arguing that and I quote '' is a tactic for not paying '' as per XXXX, I was not informed by XXXX that my account was in Pathfinder 's collection.Thank you
Consumer complaint received 2019-05-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I was arbitrarily expelled by XXXX XXXX XXXX without cause violating their handbook and student loan contracts in XX/XX/2012. 
I've filed debt discharge apps and what have you, repeatedly, and yet these loans still a-ppear. 

I need them removed immediately as they are killing my credit.
Consumer complaint received 2023-07-28
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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS (KY)

I have disputed a bankruptcy inaccuracies on my credit report numerous times from XXXX and XXXX. And the results remain the same as verified from Lexis Nexis. So I contacted LexisNexis and requested my public consumer report and there is no bankruptcy on there. I even called LexisNexis and they confirmed this as well. My question is ; if reporting is done monthly, and there's nothing on my report from LexisNexis how is that fair in verification? This is hurting my credit and needs to be removed. It is not valid. Furthermore, bankruptcy does not report to credit bureaus and LexisNexis doesn't have a bankruptcy on my file. Where is this validation coming from. The two bureaus will not remove this. This should be illegal, or some sort of violation.
Consumer complaint received 2021-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I hope all is well.. 

Im not for sure why my security freezes are not on all 3 bureaus. I really need the security freezes put back on please. Im having fraud and identity theft Issues again. Thank you for your time. Have a wonderful day and please be safe.
Consumer complaint received 2021-05-21
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. (DC)

XXXX, EXPERIAN AND XXXX REFUSES TO INVESTIGATE AND REMOVE XXXX XXXX XXXX AND XXXX XXXX and XXXX XXXX FROM MY CREDIT REPORT. THESE COMPANIES REFUSE TO DISCLOSE THE METHODOLGIES OF WHY THEY REPORTING THIS FRAUDULANT ACCOUNT AND WHAT INFORMATION THEY ARE OBTAINING FROM THE COMPANY!! THEY JUST KEEP SAYING IT WAS VERIFIED!! IT IS NOT VERIFIED!! DISCLOSE YOUR REULTS AND HOW YOU CAME TO THEM ALL TO ME -ALL THREE BUREAUS OR BE SUED AND REPORTED TO THE DEPARTMENT OF JUSTICE AND THREE STATES ATTORNEY GENERALSD!! THIS COMPANY IS GIVING CFPB XXXX THAT I AM NOT A REAL PERSON AND REFUSIING TO ACCEPT VALID STATE ID SENT TO THEM VIA THIS COMPLAINT TO PROVE MY IDENTITY TO INVESTIGATE AND REMOVE XXXX AND XXXX AND XXXX XXXX XXXX ALL THREE CREIT BUREAUS REPORTS!!. I DO NOT ACCEPT THIS COMPANIES RESPONSE.THEY DID NOT INVESTIGATE XXXX XXXX, FRAUDULANT XXXX XXXX XXXX OR XXXX XXXX AT ALL AND DID NOT SEND ME AN UPDATED COPY OF MY CREDIT REPORT. IN ADDITION IM A VICTIM OF FRAUD. THIS COMPANY IS LYING AND NOT PRODUCING DOCUMENTS UNDER FCRA SECTION 609 WITH MY SIGNATURE TO PROVE ALL THESE FRAUDULANT DEBTS, WHICH THEY ARE NOT VALID. EXPERIAN XXXX AND XXXX CAN NOT PROVE THIS DEBT IS VALID AND IS VIOLATING STATE AND FEDERAL LAWS BY NOT INVESTIGATING MY COMPLAINTS. XXXX XXXX AND XXXX ARE REMOVED FROM MY CREDIT REPORT. THEY ARE NOT VALID OR LEGAL DEBTS -THEY ARE FRAUD AND WILL BE REMOVED FROM MY CREDIT REPORT.I WILL SUE THIS COMPANY-EXPERIAN-I HAVE REPORTED YOU TO THREE STATE ATTORNEY GENERALS FOR FRAUD AND ILLEGAL ACTIVITY, NOT FOLLOWING FCRA. IN ADDITION THESE COMPANY IS REFUSING TO ALLOW ME TO ACCESS MY CREDIT REPORT ON XXXX FOR FREE THROUGH XXXX WHICH IS ILLEGAL. XXXX  REFUSES TO ALLOW ME ANY ONLINE ACCESS TO MY CREDIT REPORT ON XXXX AND THIS IS ILLEGAL UNDER FCRA. REMOVE THESE ITEMS NOW OR BE SUED FOR MILLIONS OF DOLLARS AND PROSECUTED BY THREE STATE ATTORNEY GENERTALS OFFICES!! REMOVE XXXX XXXX XXXX AND XXXX XXXX AND XXXX XXXX FROM MY CREDIT REPORTS, OR I WILL KEEP FILING COMPLAINTS AND LAWSUITS UNTIL YOU DO!! THESE ARE FRAUD AND EXPERIAN XXXX AND XXXX DID NOT AND CAN NOT PROVE THIS ARE LEGITIMATE DEBTS. THEY ARE ALL VIOLATING FEDERAL AND STATE LAW AND HEADED TOWARDS MILLION OF DOLLARS IN LAWSUITS BY ME. IVE REPORTED EXPERIAN XXXX AND XXXX  TO THE DC AND CALIFORNIA ATTORNEY GENERALS WHERE YOU ARE HEADQUARTERED. THESE COMPANIES HATE OUR NATIONS VETERANS AND WOUNDED WARRIORS AND DISCRIMINATE AGAINST XXXX PEOPLE, DISABLED PEOPLE, AND DISABLED VETERANS!!! DO NOT SEND THE ATTACHED DOCUMENTS TO XXXX AND XXXX AND XXXX XXXX THEY ARE FOR EXPERIAN/XXXX/XXXX IN PROVING MY IDENTITY.
Consumer complaint received 2015-08-31
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (GA)

Unauthorized charges were made to my Macy 's American Express credit card during XXXX of 2015. I disputed these charges via phone on XXXX XXXX, 2015. I fully completed Macy 's required documentation of this dispute and returned their documentation ( notarized ) on XXXX XXXX. I received a letter acknowledging the receipt of this documentation on XXXX XXXX. Since then, I have received numerous collection agency calls.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On today XX/XX/XXXX I have noticed several inquiries on my credit profile amongst all 3 credit bureaus I haven't given authorization to inquire of my credit profile or have voluntary done so. I need the inquiries removed from my credit profile under the Federal Credit Report Act these inquiries should be removed immediately based on fraudulent reporting.I have contacted below companies and are seeking a fast remedy of removing these fraudulent inquiries. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-07
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)

It has come to my attention that debit that has been written of by the creditor So that means the original creditor has been paid for the alleged debt which is profit. As stated by the IRS anything that is considered as profit shall not be reported on a consumer report. Pursuant 15 USC 1681 S ( 2 ) a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. So, these charge offs are not considered a debt its profit. Therefore, it should not be on consumer report. You have also violated my rights pursuant 15 USC 1681A ( 2AI ) which states that anything considered a late payment should not be on my consumer report. 

It is not my duty to hold you in compliance with the Fair Credit Reporting Act, however it is still my responsibility to make sure every item is reporting accurately so that my consumer report is fair and equitable to me, so take notice. I came across a publication on the Internal Revenue Service ( IRS ) website in which the IRS defines a charge off as gross or ordinary income. INCOME DOES NOT GET REPORTED ON CONSUMER REPORTS which in fact makes your reporting of the following account ( s ) inaccurate. 

" Charge Off '' XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove the late payments from the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2016-07-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ARC Management Group, LLC (IL)

I have never heard of the agency ARC reporting derogatory marks on my credit report and they seem to be a third party and I am filing a NO CONTRACT Dispute. Please investigate as the information reported is false and remove from my credit report.
Consumer complaint received 2021-06-06
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: WAKEFIELD & ASSOCIATES, INC. (GA)

I noticed and the beginning of the year of some unusual activity on my credit report my email was on the dark web and this company keep showing up first as XXXX  got it deleted then it shows up as Wafefield & Associate and got it deleted so I put a freeze on my credit and put a fraud alert as well but for some reason this company keeps coming back on my report and I keep loosing all these points please help and advise
Consumer complaint received 2022-02-16
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: SUNCOAST CREDIT UNION (FL)

Suncoast Credit Union Bank reported my credit card to credit bureaus 3 days before my monthly closing statement date. 

My monthly closing statement date is the XXXX of every month. Suncoast Credit Union reported my closing statement on the XXXX of XX/XX/2022 which was 3 days before my closing date without my notice and without my consent. 

Due to these actions by Suncoast Credit Union, my credit score has dropped with the credit bureaus and has negatively impacted me and my purchasing power. 

I have tried to dispute this issue with them but have been inconvenienced to call while at my occupation to solve this dispute. 

Unfortunately, Suncoast Credit Union was unable to provide a solution to this issue after hours over the phone with customer service and fail to provide notice of this action.
Consumer complaint received 2018-03-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CO)

Ocwen Mortgage Servicing did a loan modification with me in XX/XX/XXXX with a clause that stated when I paid back the loan I would owe 25 % shared appreciation. It did not state that the shared appreciation would survive any future modifications. I completed another modification XX/XX/XXXX. When the paperwork arrived there was nothing in it about a shared appreciation. I specifically asked my relationship manager if the 25 % shared appreciation was still part of the new modification. She said " it is not listed in this paperwork so it is no longer in force, but if you aren't sure you can have an attorney look over this modification. '' ( Having an attorney look at the modification would not have helped as the paperwork did not mention the shared appreciation. ) When I asked regarding payoff last week I was told I need an appraisal because of the shared appreciation. When I told him what my relationship manger said, he said " you still owe it even if she gave you bad advice. '' ( They record all conversations so there will be a record of what my relationship manager told me as well as the agent I spoke to XX/XX/XXXX. )
Consumer complaint received 2016-10-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: First Advantage LNS Inc. (FL)

I have been trying to contact this company for 2 years now and they have not responded. They reported a collection on my credit but failed to notify me of the debt. When I found out about the debt via checking my credit report and disputing it through the XXXX major agencies I never received a verification of debt or any proof that the debt was actually owed. They have failed to follow the Florida Statue and took an account without verified action that debt was actually due.
Consumer complaint received 2015-07-23
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: SIMM Associates, Inc. (TX)

My daughter was contacted by this company ( Simms associates ) about student loan. She was threatened by wage garnishment and threatening to call her corporate office to inform others of said debt. 
When I called, they told me that i needed to get another job to help pay.
Consumer complaint received 2016-01-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Cedars Business Services, LLC (FL)

Cedar Financial has placed a collection on my XXXX and XXXX credit reports. The original creditor was included in my bankrupcy which was discharged XX/XX/2014. XXXX shows the collection open and closed in a period that is not possible with my BK file and discharge date.
Consumer complaint received 2022-08-09
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. (CA)

On XX/XX/2022, I was speaking to a representative for 10 minutes listing unauthorized inquiries. After taking several notes and speaking to her for 10 minutes, hhe then said she'd need to forward me to the fraud department. The individual answered and did not state their name or if they worked with the fraud department. I asked for her name and she reluctantly mumbled " XXXX. '' She cut me off and told me I have to call each creditor. I asked her why would the first person ask me for all this information including the list of inquiries for me to be turned down. She said she didn't know. I then asked her if she was in the fraud department and it was completely silent. I kept saying hello and she did not respond. This is no way to treat a consumer dealing with fraud.
Consumer complaint received 2017-02-27
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Ray Skillman Westside Imports Inc (IN)

I purchased a car from Ray Skillman Westside Auto in XXXX, IN on XX/XX/2017. The finance person named XXXX XXXX, tried to lie to me about having to take warranties in order to get auto financing. Later on that day I called another Ray Skillman location in XXXX and they informed me that information was not true that all the warranties are optional and up to the customer. I called on XX/XX/XXXX and talked to XXXX in finance. She told me to come back in and she would re-do my loan I drove an hour and a half there for XXXX to tell me she could not help me and to call XXXX on XX/XX/XXXX. On XX/XX/XXXX I talked to the manager there XXXX XXXX and he still did not want to provide me a resolution to the problem. I called XXXX XXXX and they told me the loan had no been financed yet and th dealship just needed to call to put it on hold until a new loan application could be done. I called XXXX back and he assured me he would contact XXXX and put the app on hold. He did not do this. So I drive another hour and half on XX/XX/XXXX and when I get there XXXX tries to tell me he ca n't help me because the loan was processed this afternoon. I had to tell him that his manager XXXX assumed me I would not be driving 3 hours round trip for someone to tell me they can not help me again. XXXX then called XXXX and they told him to process a new loan app. Then XXXX again still tries to make me take out an anti theft warranty and tells me it automatically comes with the car. I said no it does not because I have called your other locations and your manager XXXX XXXX and they all say its optional. I told him to go talk to XXXX. He comes back in the office and says to me well we normally do n't do this but since you are friends with the sale rep we wo n't charge you for the anti theft warranty. He then processed the loan as I ask just the car and no warranties. I took an additional 6 hours of my time to get them to give me any help. I owe them {$200.00} on a down payment, and I think they should be held responsible for the time and gas I spent coming back when they refused to assist me and because I was given false information by XXXX. XXXX XXXX tried to lie and fraud me out of XXXX for a anti theft warranty that was optional.
Consumer complaint received 2015-12-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (NY)

I am disputing a bill from XXXX and working to resolve the issue with XXXX. XXXX turned the b ill over to IC System, which called and wrote me. When I tried to call the number on IC 's letter, there was no answer. The company called several times but I told them I was disputing the amount with XXXX. Thereafter I have received as many as four calls a day, some late evening, from robocallers : no one answers, no human calls. I have a list of the numbers.