davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (TX)

Credence Resource Management has been calling my cell phone for the last 2-3 months trying to collect {$180.00} for an old XXXX XXXX XXXX bill my wife did not pay. I tell them that they are calling the wrong number and give them my wife 's cell number. They continue to call me from an offshore call center speaking XXXX with an unusual accent. They only ask my relationships with the debtor, not my name, then give me her address and only ask if it is right. I say yes and then they continue to tell me who they are, what company they work for for, that it is an attempt to collect a debt and the phone call may be recorded. After about 15 calls I asked to speak to a supervisor. I notified him that my wife wanted to take care of the debt but was disputing the amount. The supervisor " checked '' the amount and verbally confirmed it was the right balance. I informed the supervisor that I wished to dispute the balance and requested a breakdown or proof of the debt by mail. We never received the proof and now the phone calls are coming more often. I received yet another call just a few minutes ago. I let the gentleman on the other end know that he was violating FDCPA laws by giving me information about the debtor and her account. The gentleman who stated he was in XXXX was not aware of any laws transfered me to another supervisor. The supervisor said he was going to check the times I had been called. He came back on the line very apologetic and informed me that he would remove my number and that I would not receive any more calls from their company. I thanded him but asked him for his company 's information so I could file a complaint. The supervisor hesitated then hesitantly gave me the company name. I asked him for the company address. He said he was not authorized to give me anymore information. He then put me on hold then returned with a company e-mail to file my complaint. I informed him that I would be filing a complaint with the authorities. He said that it was not necessary and asked me not to file a complaint.
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (VA)

This account has been paid in full and not in a derogatory status. XXXX Has not made an update to the account since XXXX. XXXX  has not updated this account since XXXX. Both credit reporting agencies are reporting different last payment dates for this account. As well as the date that this account was opened is reporting differently on Both credit reports. All Three credit reporting agencies all have different Information that does not accurately report this account.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (IN)

Federal Student Loans XXXX XXXX XXXX XXXX Entered into Fresh Start : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tradelines are still being reported on XXXX and XXXX with adverse actions : 180 days late x 10 x 20 = hundreds of new adverse marks re-inserted. 

Per the contract attached with Fresh Start, this adverse information was to be entirely deleted per Department of Education. 

My XXXXXXXX XXXX occurred on XX/XX/XXXX. I was not in default when the loans from Fresh Start were sent to XXXX for discharge. 

My credit has been defamed, and I demand that these tradelines be erased and am requesting compensatory damages. 

XXXX and XXXX shall be instructed to remove the adverse tradelines per attached agreement with Fresh Start Aidvantage.
Consumer complaint received 2022-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IA)

Account is stating incorrectly previously reporting account as collection/derogatory both at the same time with a balance of {$410.00}. There is no way that account can be in derogatory if its in collection already And stating incorrect date less active and date last reported along with date open. Account has too many in accuracies already. I disputed account with XXXX XXXX and XXXX as I do not recall having this account open yet results came back incorrect. Results to my dispute came back stating account open when previously was in collection. How can that be possible?! Payment history was previously not reporting and now experian is reporting consecutive charge off as if it was some sort of payment method payment can not report on a dead account. Date last active is reporting as XX/XX/21 with XXXX while date open is reporting as XX/XX/21 this is a total mistake. There is no possible way that account has recorded the day last active before the account was even open.!
Consumer complaint received 2021-09-03
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)

There is an old debt of mine still showing up on my Experian credit report as a derogatory account, however I have disputed this several times over the past two years and shown hard evidence of the account being settled satisfactorily.
Consumer complaint received 2020-10-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MO)

In XXXX of this year 2020 my VA loan was sold to Nationstar Mortage. In the correspondence, the selling agent stated unless I chose to obtain a different lender, all aspects of my account would stay the same. I was enrolled in an accelerated payment program that deducted 1/2 of my mortgage payment biweekly which would result in an additional payment or 2 at the end of the physical year. I contacted Nationstar to inform them that I was in the accelerated program and it was my understanding that the payment arrangement would remain the same. The customer service representative told me that they did not have any such program. All payments made were to be in full on the designated due date. Any partial payments made would not be applied to the loan and sit in a temporary count until the full payment amount was collected. Any funds sitting in the temp account for too long would be returned to the sender. In addition, he expressly told me there were 2 avenues to making a payment ; sign up to have the full amount debited from my account at no charge or pay a fee to have bi-weekly debits from my account. I chose neither. I arranged through my bank to make bi-weekly payments just as I had done over the previous 15 years of the loan. Each payment has sat in an unapplied payment account all too often resulting in missed monthly payments and late fees being incurred. Just recently I was informed that my loan was in default for the same amount that sits in an unapplied account. While Nationstar did not honor the previous payment arrangements as agreed when they bought my VA loan, they are purposely not applying any and all payments sent throughout the billing cycle resulting in late fees and now delinquent payments that could be avoided. Each time this happens it adds to the life of what should be 15 years left on a 30-year loan. No matter when any payments are rendered it should be applied directly to the loan upon receipt.
Consumer complaint received 2022-10-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (CA)

N accordance with the Fair Credit Reporting Act Credit Collection SERV XXXX XXXX XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the rights to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-07-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

I suddenly started receiving denial error messages trying to use my Venmo account. After an online chat and numerous phones calls, I was told for some " mysterious reason '' my account was flagged by their security algorithm and there was no way to find out why, nor could they override it. My credit cards associated with my account have {$0.00} balance and both have credit limits over $ XXXX. I have a FICO of XXXX, never been arrested or indicted. I believe they owe me an explanation of why I was flagged and any errors be corrected in their system. 
The case # for this incident is XXXX
Consumer complaint received 2020-11-28
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (FL)

I had signed and submitted a contract to XXXX XXXX and XXXX XXXX XXXX XXXX XXXX along with my pre-approval letter from my lender for full asking price of his property. My realtor then received a counteroffer, stating that I am only permitted to use his mortgage broker or he would not sign the contract. As a consumer I am aware that I have the full right to determine which lender I choose to use and the builder is not permitted to not sell me a home because I do not choose to use his broker friends XXXX XXXX and XXXX XXXX from Paramount Residential Mortgage Group , Inc. Using this company will cost me additional money on broker fees, and I will be forced to forego a grant of {$11000.00} that my lender has qualified me to receive. I have evidence both in the contract he provided as well as a follow up email from him stating there was no choice on my part as to which lender I could use if I wanted him to build my house.
Consumer complaint received 2022-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

THESE FOLLOWING COMPANIES ON THESE FOLLOWING DATES FRAUDULENT PLACED A HARD INQUIRY ON MY PERSONAL CREDIT REPORT FROM CREDIT BUREAU TRANSUNION : ( 1 ) XXXX XXXX ( XXXX XXXX XXXX XXXX, VA XXXX ) requested a fraudulent hard inquiry on my credit report with Transunion on XX/XX/XXXX. 
( 2 ) XXXX ( XXXX XXXX XXXX XXXX, GA XXXX ) requested a fraudulent hard inquiry on my personal credit report from Transunion on XX/XX/XXXX. 
( 3 ) XXXX XXXX ( XXXX XXXX XXXX XXXX, VA XXXX ) requested a fraudulent hard inquiry on my personal credit report from Transunion on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
( 4 ) XXXX XXXX ( XXXX XXXX XXXX XXXX, VA XXXX ) requested a fraudulent hard inquiry on my personal credit report from Transunion on XX/XX/XXXX. 
( 5 ) XXXX  XXXX ( XXXX XXXX XXXXXXXX XXXX, VA XXXX ) requested a fraudulent hard inquiry on my personal credit from Transunion on XX/XX/XXXX, XX/XX/XXXX. 
( 6 ) XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ) requested a fraudulent hard inquiry on my personal credit from Transunion on XX/XX/XXXX, XX/XX/XXXX, XXXX ( 7 ) XXXX  XXXX XXXX  ( XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX VA XXXX ) requested a fraudulent hard inquiry on my personal credit report from Transunion on XX/XX/XXXX. 
( 8 ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ) requested a fraudulent hard inquiry on my personal credit report from Transunion on XX/XX/XXXX. 


IN ADDITION, XXXX XXXX XXXX XXXX WON'T REMOVE THE FOLLOWING FRAUDULENT HARD INQUIRIES FROM MY PERSONAL CREDIT REPORT : ( 1 ) XXXX ( XXXX, XXXX XXXX XXXX XXXX. XXXX, FL XXXX ) requested a fraudulent hard inquiry on my personal credit report from XXXX on dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, ( 2 ) XXXX  ( XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX DE XXXX ) requested a fraudulent hard inquiry on my personal credit report from XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( 3 ) XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, VA XXXX ) requested a fraudulent hard inquiry on my personal credit report from XXXX on XX/XX/XXXX. 
( 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX requested a fraudulent hard inquiry on my personal credit report from XXXX on XX/XX/XXXX. 
( 5 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, VA XXXX ) requested a fraudulent hard inquiry on my personal credit report from XXXX on XX/XX/XXXX. 
( 6 ) XXXX XXXX XXXXXXXX ( XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX requested a fraudulent hard inquiry on my personal credit report from XXXX on XX/XX/XXXX. 
( 7 ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX ) requested a fraudulent hard inquiry on my personal credit report from XXXX on XX/XX/XXXX.
Consumer complaint received 2021-07-02
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. (AZ)

On XX/XX/2021, I reached out with a demand to comply letter to Equifax to express my frustrations that it has been well over 30 days ( 60 days at the time of the letter ). It's been over 90 plus days until this day that I haven't heard nor seen any information regarding the fraudulent inquiries on my credit report. I'm now asking you to hold them responsible and liable, according to Section 611 ( a ). Thank you.
Consumer complaint received 2021-07-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (SC)

I was in forbearance because of COVID-19, on a property I own using BB & T now Truist bank as my mortgage holder. I made partial payments during the entire forbearance time. My forbearance was ending XXXX, 2021. BB & T would not allow me to make payments online as I always did, during the time of forebearance. Rather, I had to phone my payments in every month. My first full payment was not allowed to be paid over the phone, so I made my XXXX, 2021 payment in full at the local BB & T bank located at XXXX XXXX XXXX XXXX, XXXX, SC XXXX. My XX/XX/2021 was made in full also. 

I received a Possible Spam phone call and message from BB & T now Truist this morning from their collection department! I listened to the recording and immediately called back. XXXX from Collections told me I had been turned over to collections and the payments I had made for XXXX and XXXX went to paying off the balloon payment! I have a FICO score of XXXX and can assure you, I dont miss payments. I spent hours last month getting this same issue rectified over 13 different phone calls and numerous talks with managers. But, again I am being told wrong information which will effect my credit score. I requested to speak with a Loss Mitigation manager, but she stated there were none available. She would try and transfer me ... she dropped the call. I then called back and spoke with XXXX XXXX in loss mitigation. She stated my account was not in collections, but still in forbearance!!! I requested to speak with her supervisor, none were available to speak with me again. She gave me her supervisors name, XXXX, and phone XXXX. I called her answering machine and to expect to wait 24-48 hours for a call back. This type of stalling behavior is unacceptable and if it isnt already, be punishable by law. I am very concerned this abusive payment reporting/recording by BB & T now Truist, will result in my property being foreclosed for nonpayment because the bank is not accurately making my payments to the regular monthly payments, but instead the balloon portion, which is not due until the end of the loan or sale of property.
Consumer complaint received 2021-04-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (PA)

I have send a Certified Cease and Desist Affidavit of Truth and have yet to receive a response with an Affidavit. When one receives a compliant with an Affidavit, one must respond with an Affidavit, and the opportunity to cure my remedy request.

This Affidavit was send via certified mail on XX/XX/2021 # XXXX. 

The Account in reference is Santander Account # XXXX
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

There is incorrect information on my reports with TransUnion XXXX XXXX  pertaining to status dates of four accounts that were included in a Bankruptcy last year, XXXX XXXX. The accounts in question have been improperly re-aged as a result of a dispute through the above mentioned credit bureaus ... the accounts took the derogatory status XXXX XXXX when I filed for Chapter XXXX XXXX My credit report lists the dates more recently which appears to credit models that I had a recent derogatory event, when in fact there hasnt been any derogatory events since filing the bankruptcy. Im in the process of rebuilding my credit and these mistakes are preventing my credit score from improving.. The accounts with the incorrect information are two separate XXXX XXXX accounts, and XXXX XXXX XXXX, and XXXX XXXX XXXX Missouri. Ive reached to all 3 companies with no success. Additionally, Ive disputed with the bureaus multiple times without success, each time the status dates are showing even more recent.. This is really affecting my life.. as Im actually eligible to get a home loan while going through my Chapter XXXX, but again due to the erroneous reporting, my scores are not improving.. Please help me resolve this matter.. I only want the correct information to show.. the accounts took the derogatory status more than a year ago.. The only bureau reporting correctly is XXXX
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

XXXX XXXX Corperation does not follow The Truth In Lending Laws 15 usc 1601. I feel like my privacy as a consumer has been breached. On XX/XX/2020 I entered into a consumer credit transaction with XXXX and they transferred it to XXXX XXXX XXXX XXXX XXXX They are wrongfully trying to benefit from my credit card that I used to initiate a consumer credit transaction with a finance charge involved. XXXX is in violation of the law, and violated the contract when they took cash in a consumer credit transaction with a finance charge involved 15 usc 1605. When I paid the finance charge they did not include my insurance and all the other fees they were suppose to. When I dispusted the debt and aske how was it valid and verified, they never told me who the name an address of the original creditor is pursuant 15 usc 1692g ( 5 ) ( b ). This company is civilly liable pursuant 15 usc 1640 ( 2 ) ( a ) ( i ) which is twice the finance charge, and they also are criminally liable for willfully knowing these things pursuant 15 usc 1611. I also asked them show me why I owe them a debt and why is it valid and verify it they lied about the original creditor and said I still owe a debt. I have ordered 3 of my credit reports from the major credit bureaus I want them to do right by me as a consumer by federal law, as well as the credit bureaus.
Consumer complaint received 2021-07-02
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. (AZ)

On XX/XX/2021, I reached out with a demand to comply letter to Equifax to express my frustrations that it has been well over 30 days ( 60 days at the time of the letter ). It's been over 90 plus days until this day that I haven't heard nor seen any information regarding the incorrect items on my credit report. I'm now asking you to hold them responsible and liable, according to Section 611 ( a ). Thank you.
Consumer complaint received 2020-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-04-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (SC)

I have been enrolled in the PSLF program. As of XX/XX/2020, I made 120 qualifying payments. I have written confirmation from Fed Loan Serving indicating that ( see attached letter ). I submitted my application for loan forgiveness on XX/XX/2020. I was told it would take up to 90 days to process my application. The 90 days has already passed. When I emailed to inquire about the status, they now tell me it will take AT LEAST 90 days. Once Fed Loan Servicing completes their part, they send my paperwork to Federal Student Aid for additional review. This review will take up to 180 days to be completed. 

I am not sure I understand the delay. If I already have written confirmation that I have made 120 qualifying payments what could possibly take 270 days? Meanwhile, my credit report continues to show a $ XXXX  monthly obligation which is affecting my overall credit worthiness. 

It is frustrating that I have satisfied the requirements of PSLF and yet seem to be getting the run around.
Consumer complaint received 2021-04-01
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. (SC)

XXXX XXXX XXXX does not follow The Truth In Lending Laws 15 usc 1601. I feel like my privacy as a consumer has been breached. On XX/XX/2020 I entered into a consumer credit transaction with XXXX and they transferred it to XXXX XXXX XXXX XXXX . They are wrongfully trying to benefit from my credit card that I used to initiate a consumer credit transaction with a finance charge involved. XXXX is in violation of the law, and violated the contract when they took cash in a consumer credit transaction with a finance charge involved 15 usc 1605. When I paid the finance charge they did not include my insurance and all the other fees they were suppose to. When I dispusted the debt and aske how was it valid and verified, they never told me who the name an address of the original creditor is pursuant 15 usc 1692g ( 5 ) ( b ). This company is civilly liable pursuant 15 usc 1640 ( 2 ) ( a ) ( i ) which is twice the finance charge, and they also are criminally liable for willfully knowing these things pursuant 15 usc 1611. I also asked them show me why I owe them a debt and why is it valid and verify it they lied about the original creditor and said I still owe a debt. I have ordered 3 of my credit reports from the major credit bureaus I want them to do right by me as a consumer by federal law, as well as the credit bureaus.