davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-22
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: National Credit Systems,Inc. (TX)

To whom it may concern : My name is XXXX XXXX and I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Consumer complaint received 2024-05-16
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (SC)

My Loan is with Shellpoint Mortgage : Address : XXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, SC XXXX Phone : ( XXXX ) XXXX The Issue I am having with them is I have set up Autopay with My Bank so that a payment of {$200.00} dollars is submitted weekly to go toward my Monthly Payment. Shellpoint Mortgage is not applying the payments until it reaches the amount of the Monthly Payment. So if I go online it still shows that I still owe the full monthly payment and I am also receiving phone calls and text messages stating that I haven't made my payment. I requested that they apply for the payments as they come in so that I can see how much I actually owe on my Monthly payments. They refused and said that's not what their policy is. My origional loan was not throug them but was sold to them so now I have to agree to there policies without having any say in the matter?
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 — Old information reappears or never goes away
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (VA)

Rushmore Loan Management Services continues to defraud and undermine the authority of the CFPB, FTC and other state and federal agencies, through negligent unfair violations of the FCRA, FDCPA and other state and federal regulations. Rushmore Loan Management Services has undisputedly re-aged an account first reported delinquent by XXXX on XX/XX/XXXX, and continues to extraneously verify by, Rushmore finds no evidence to support that your credit has been falsely re-aged. Your loan was acquired from XXXX XXXX XXXX on XX/XX/XXXX. At that time, loan was due for the XX/XX/XXXX monthly installment. Therefore, Rushmore is reporting your loan accurately. This is an insidious deception constituting intentional misconduct under both Federal and State Laws. The FCRA and case law is clear and unambiguous on this matter : the 7-year time clock starts running on the Date of First Delinquency ( DOFD ). Reporting of DOFD is, under FCRA 623 ( a ) ( 5 ), based on information obtained from the Original Creditor. One debt collector selling the debt to another collector is irrelevant to the 7-year rule. The federal FCRA and state statutes of limitations are separate and independent of each other. A review of the attached Customer Loan Inquiry, XXXX Notice of Intent to Cure, XXXX Account History, as well as, the series of attached credit reports, show PROOF POSITIVE that Rushmore Loan Management Services has illegally re-aged this account. The legal obligations under the FCRA Furnisher Rule completely discredit Rushmore Loan Management Services denial of involvement in improper investigations. Well-founded through disputes Ive already submitted, Rushmore furnishes falsified information to the CRA 's, repeatedly verifies it, then wrongfully shifts responsibility to the credit reporting agencies. Attached are dispute responses from XXXX, XXXX and XXXX evidencing Rushmore 's furnishing of fraudulent verifications. As a result of these reckless, wanton and intentional acts, I have suffered and continue to suffer considerable, irreparable, emotional, medical and financial damages. Rushmore Loan Management Services disregard and willful violations of the FCRA, FDCPA, and, my rights as a consumer, have caused unfair harm by seriously diminishing my credit rating, causing denial of credit, cancelled credit cards, missed job opportunities, escalated interest and insurance rates, and, loan terms I no longer qualify for.
Consumer complaint received 2017-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

My wife and I have been negatively impacted significantly by XXXX erroneous reports. They have reported that I was late on my payments, or missed payments with them. This is absolutely false. I have never been late, nor have I ever missed a payment.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (CA)

I worked as a XXXX for about ten years and I have documented that amount of Public Service to Navient and they denied my request for Forgiveness. Further I graduated with a XXXX in XXXX, then began XXXX. I began paying back my student loans then. That was 20 years ago now. Navient, Life of the loan history, that I will send you if you like, only goes back to beginning of XXXX, so 2 years of history and payments are missing. They gave me credit for 70 payments and have received back to amount in dollars and cents of over XXXX XXXX XXXX, {$22000.00} and that is just about exactly all I borrowed in the first place. Then they are also saying that I have paid them {$5200.00} in interest. But they are still demanding another {$9100.00} plus dollars in principal and interest, with {$3200.00} of Capitalized interest. I think that I have paid both in the fact of working in Public Service, XXXX, and in the fact that I have paid all the amount I ever borrowed. 
The fact they are asking for another {$9100.00}. plus dollars is a 50 % or nearly rate of return on the initial loan. They are making 150 % investment on me and I did the Public Service work. It just is not Right. Please help? I can also send the documentation of my years of service to verify what is written here.
Consumer complaint received 2020-08-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (OK)

Southwest Recovery Service posted a claim of {$140.00} for a medical bill against me but when I called them they realized their debt was with a XXXX XXXX XXXX in XXXX TX XXXX XXXX XXXX in XXXX. I asked them to remove this and they said they would. That was over 2 months ago. This derogatory is still negatively affecting my credit score. I want it fixed.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I am writing to express my extreme dissatisfaction and growing frustration with Equifax 's continued disregard for accuracy and completeness in reporting information on my consumer reports. Specifically, I have discovered multiple inaccuracies and incomplete information pertaining to my XXXX account, particularly concerning the reporting of payment history, the duration of delinquency, and the associated dates of delinquency. 

This ongoing and unrelenting misinformation directly contravenes established federal statutes, including but not limited to 15 USC 1681e ( b ), FCRA Section 807-8, and FCRA 623-B. Moreover, it amounts to a blatant act of defamation, casting an unwarranted shadow on my creditworthiness and financial standing. 

I hereby demand the XXXX account be promptly DELETED from my consumer report. Failure to act upon this demand in a swift and satisfactory manner will lead to legal action. 

Please be informed that my resolve in this matter is resolute. I am prepared to pursue all available legal avenues to secure my rights and demand the justice that I am entitled to. The repercussions of Equifax 's noncompliance will be grave and costly, with each violation inviting a legal claim of no less than {$1000.00}. 

In light of the above, I ask that the CFPB step in to bring immediate attention to this pressing matter. The ball is now firmly in Equifax 's court to demonstrate its commitment to adhering to the law and providing accurate information to its consumers. Time is of the essence, and your timely response is crucial.
Consumer complaint received 2021-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC. (AR)

Hasted financial services has been harassing me by continuing to send mail saying I owe them a debt I told them it was fraud and that I do not owe them anything .I continue to ignore them after explaining the situation I am asking that they pull or produce the original bill and they will see that I do not owe them any money I am sick of the harassing letters they are depressing me with this situation.
Consumer complaint received 2018-09-20
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. (WA)

XXXX XXXX XXXX Credit card account balance shows XXXX. I have never applied for the card nor am I aware of this card and I never banked with XXXX XXXX XXXX. 

I had recent credit check done by homeland secuirty and that is when I noticed this issue. I have tried many times to get this problem solved but nothing happens. This is not my credit card nor my charges and I need this removed off my credit report. I have provided more then enough proof and documentation for this but XXXX  XXXX XXXX is not responding at all.
Consumer complaint received 2018-09-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Miller, Stark, Klein and Associates (OH)

They have been calling me for over a year using threatening language to take legal action on a debt from XX/XX/XXXX- which exceeds the statue of limitation for collection in the state of Ohio . I also have proof that this was settled in XX/XX/XXXX and sent it over twice to their office. They will not stop calling.
Consumer complaint received 2023-07-18
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: EQUIFAX, INC. (IA)

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing XXXX XXXX XXXX XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2019-11-04
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 recently just have reviewed my credit report and I noticed some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no understanding of who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file
Consumer complaint received 2023-07-15
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1900.00} US DEPT ED XXXX Balance : {$17000.00} US DEPT ED XXXX Balance : {$78000.00} XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2017-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (NJ)

In XX/XX/XXXX, fraudulent charges were made to my account, which were disputed. Navy Federal Credit Union has made me responsible for these charges despite my efforts filing a police report and fighting the charges with the creditor. Navy Federal opened a new checking and savings account afterwards to which I have been using for over almost 2 years. I deposited a payroll check on XX/XX/XXXX, which was a temporary check from my employer until he received more business checks. The check was marked as fraudulent but I discovered that it cleared after receiving a statement in XX/XX/XXXX. After many calls to NFCU, I was not allowed to speak to security, my account access has been barred, my account was placed into deposit only status, and I now am responsible for paying off the former account before I can access any accounts. Nevermind the fact that I have to transfer funds to my XXXX child in XXXX  across the country, ca n't use my account for normal reasons, paying bills, getting gas, ect., having disconnect notices for utilities on the table and the only branch is a 2 hour round trip for me. NFCU has made my life a total living XXXX WRONGFULLY!
Consumer complaint received 2021-01-25
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)

Several years ago I needed a credit report and noticed that an XXXX XXXX account was in my name and shown as delinquent. The account was opened in 1988, three years before I was born. I went through a process to remedy the error and I believed they took care of it. Recently, I sought to obtain a new credit report with my FICO score from XXXX and I saw that my score was being hurt by a write off of an account opened in 1988. After further investigation, it appears that there was more than one account opened in 1988, both through XXXX XXXX. Either they remedied one account, but not the other when I went through this process the last time, or they wrote off the account thinking that this was a solution to my problem but the write off is still impacting my score negatively. I don't know how these accounts could be in my name before my name existed in the Universe, but alas, such is the case. I'm trying to apply for a new rental to move and this could greatly impact my chances.
Consumer complaint received 2019-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (GA)

I applied " Blue Cash Preferred Card '' by the promotional link online on XX/XX/2019. There was no message or any warning saying that I'm not qualified this promotion when I finished the application. However, I couldn't received a sign up bonus ( {$300.00} Credit ) even  though I spent more than {$2000.00} within 3 months. 
When I contacted the customer center by online chat a few days ago, the person said the company declined the promotion for me because of misused a card or closed an account within 12 months. I haven't closed any account within 12 months after opening and the person haven't provide the exact reason for declining the promotion.
Consumer complaint received 2017-12-26
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Company (RI)

Diversified has called my personal phone, sent letter to my home and now they sent emails to my address with personal info with out my consent nor even knowing if that email was indeed mine- saying they purchased this debt in which i never applied for a pay day loan w/ XXXX XXXX XXXX
Consumer complaint received 2023-01-30
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harpeth Financial Services, LLC (TX)

I sent Advance Financial and request for Debt Validation to request and letter verifying un the Fair Debt Collection Act to sent me and Debt Validation Debt Collection notice to sent to my XXXX XXXX XXXX Legal counsel At XXXX XXXX XXXX proir to my notifying them i am being Legally Represented by XXXX XXXX XXXX from the letter of representation letter to provide us validation of the amount {$330.00} dollar. 
And they refusing to sent and debt validation notice validating the debt collection account they is trying to collect
Consumer complaint received 2020-10-12
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

My dad has a credit card, several months ago he called them, but couldnt hear well and authorized them to talk to me. They apparently took upon themselves to add me as an authorized user. He made a charge of around {$3800.00} and they reported that balance on MY credit bureau report, which lowered my credit score. When I called them and explained I never consented to be added to his account, they said the way they would remedy the reporting would be to delete me as an authorized user and after the next billing cycle it wouldnt be on my bureau. My dad paid the account in full the next billing, but to add insult to injury, his bureau reflects it being paid, however after two months mine still shows I owe them {$3800.00}. I have spent hours talking to their credit department, both representatives, and supervisors who refuse to amend my bureau, because they cant correct something when I dont have a Capital One account.
Consumer complaint received 2024-04-29
Product: Credit 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: WELLS FARGO & COMPANY (NY)

contacted Wells Fargo about dispute on a micro center credit card. When I contacted them they said they would file a dispute. I waited about XXXX weeks never heard anything called them back and was advised that they closed it and I would need to contact the store directly. They never once advised what was going on, how to plead or prove my case or provided any help. The representative was less that helpful and did not provide what was needed for complaint. When I asked about my rights, she was just silent. They did nothing to help except give a phone number to the store for yet another unhelpful person. The first person told me that I would not be responsible for charges on the account until they investigated. If I did not call to follow up I would have default on the debt because I believed it was under dispute. It was underhanded and unfair.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2019-11-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I XXXX XXXX realizes that the debt collection process is complicated. In 2017 the U.S. Supreme Court decided in Henson v. Santander Consumer Financial USA, whereas third-party ownership voids my rights under the Fair Debt Collection Practices Act. Several of my old charges were never transferred to new ownership with written verification or validation, just a one page letter claiming that the original debt was sold. I am willing to settle on my old accounts that are still legitimately within the 6-year charge off timeline to enforce collections. However, I request a copy of the actual transfer rights of ownership. This is mandatory in any state or federal court jurisdiction where applicable. I also request the actual purchase price on transfer, which is only fair on any negotiated settlement. Accordingly, I request full disclosure from all debt ownerships, and if possible a reasonable settlement offer of 20 % of basis from the charged off date. I am entertaining a Chapter XXXX bankruptcy petition in the meantime, and will pull that trigger if there is no other alternative.