davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-11
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SIMM Associates, Inc. (CA)

On XX/XX/2019, I filed a compliant against Simm Associates through CFPB because I had not received any written communication to verify the debt they claimed I owed for 5 months but was paying {$100.00} each month to them. The XXXX complaint came because even though I called 3-4 times each month from XXXX  2019-XXXX  2019, every phone conversation with a representative of Simm Associates was ineffective in obtaining clear information pertaining to my debt. The XXXX complaint was requesting that paperwork be sent outlining the account summary for my debt and providing proof that the {$100.00} payment each month was helping to reduce my debt. After the complaint a packet was sent to me but the paperwork was hard to read and did not clearly show how paying {$100.00} for 6 months helped lowered the amount I owed. 

I called Simm Associates on XX/XX/2019 after receiving the packet to get clarification on what the document was communicating. In my interaction with the representative she aggressive and dismissively informed me that my file was no longer in their facility. I asked why that was and she replied that she did not know because the file was not here. I asked how do I move forward with paying my debt off and she informed me that I should contact the original debt provider, XXXX XXXX XXXX. She informed me that her manager would contact me to provide more information because she could not. The manger never called and still has not called, today is XXXX XXXX, 2019. 

I called XXXX XXXX XXXX on XXXX XXXX, 2019 to get information about where my loan was and why it was being moved and if it can be moved back to XXXX XXXX XXXX. A representative there said that once the debt is given to a collection agency it can not be given back and that Simm Associates by law has to provide information about where my loan is being transferred to and why it is being transferred. She encouraged me to call them back. I did and they have not picked up or called me back. 

The lack of communication along with the fact they incorrectly state my name on all documentation I have receive, is the reason I am complaining. This current complaint is about not receiving any information verbally or wirtten about why my debt is being transferred somewhere and why Simm Associates is incapable of providing quality service to people who are willing to pay down debt.
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NV)

Around XX/XX/XXXX I tried to remove my security freeze online. It told me to fill out a form to mail to Experian which I did on XX/XX/XXXX. I also enclosed supporting documentation. I have not yet heard back from Experian. Tonight I tried to upload the documentation on Experian 's website but I received this error : Important Note : We were unable to upload your document ( s ) successfully. This site will accept up to five documents in PDF or TIFF format totaling 15 megabytes. Please review your request and try again. You may also submit your documents by mail to Experian, XXXX XXXX XXXX, XXXX, Texas XXXX using this form. All the documentation I uploaded was the correct format and totaled less than 15mb so I 'm not sure why it would n't accept it.
Consumer complaint received 2021-08-16
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: PORTFOLIO RECOVERY ASSOCIATES INC (NH)

I have attached documents relevant to this matter. The complaints are against Portfolio Recovery & Associates and XXXX XXXX XXXX. They have both failed to remove false reports attributed to me. I made a voice recording of my last call with Portfolio Recovery in which the company explicitly admits they have wrongfully listed an 11-year old charged off account as open and recently opened on XXXX XXXX, 2021. The agent consented to the recording. Here is a link to its download. 

XXXX XXXX XXXXXXXX Furthermore, XXXX XXXX XXXX has refused to provide me with any documentation or even so much as account number that would corroborate its claim.
Consumer complaint received 2020-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

this account is still reporting on my credit report after multiple disputes. the credit card company hasnt sent me any information to verify that this account is mine although i know that it is not. They have not responded to my disputes and have been negligent when it comes to resolving this matter
Consumer complaint received 2019-11-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

They sent me a bill on XX/XX/19. I tried to dispute some charges and they were not willing to work with me so I quite paying them. Now it's XX/XX/19 and they call me repeatedly and misrepresent themselves as lawyers and they are filing a lawsuit with me. Now they are calling my work and harassing my co-workers to speak to me @ work.
Consumer complaint received 2017-09-17
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Consumer Portfolio Services, Inc. (CA)

I requested CPS to cease and desist calling me and they did not comply. This occurred beginning of this area. They threatened to take legal action for paying a couple days late. I was told by.CPS that my credit will be affected if it 's a day late. They have bad reviews and do not comply with state and federal laws.
Consumer complaint received 2022-08-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

In XX/XX/XXXX, PennyMac sent me an escrow refund which was less than amount actually owed. Upon calling multiple times ( XX/XX/XXXX ), PennyMac ( weeks later ) stated they applied a partial escrow refund to my payoff amount. This was done without my consent. The refund check issued to me was short.
Consumer complaint received 2019-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.
Consumer complaint received 2019-02-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (WA)

My agent had already filed a complaint as Ditech was refusing to respond to our offer. Now after we have received the Approval To Participate HUD form XXXX, the negotiator ( XXXX XXXX ) refused to review the offer and send the approval. She says that there is an " additional marketing period '' till XXXX XXXX, there is NOTHING on the document that says that. My agent has done hundreds of FHA short sales and says this is NOT procedure, that the ATP is used to generate the approval.
Consumer complaint received 2023-01-11
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (SC)

I contacted Wells - Fargo several years back and told them I did not have a credit card with them and I file a complaint with the police in 2018 and Wells Fargo stated they were going to closed the fraudulent account that was in my name. I see now they didn't close it and left it open for the person who stole my identity to keep it open, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the state of SC and I will not put up with a bank to take advantage over me. I want this account closed and close it as fraud because Wells Fargo was warned several years back that this account was fraud.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for late closed and charge off. I have tried numerous times to have this situation resolved with no resolutions. Inaccurate Addresses : XXXX XXXX XXXX, FL XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX ; Accounts : XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, Inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX and XXXX  XXXX  XX/XX/XXXX.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance Owed : {$350000.00} ; {$350000.00} ; XXXX XXXX  XXXX Balance Owed : {$680.00}
Consumer complaint received 2017-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc. (TX)

On XX/XX/XXXX XXXX XXXX XXXX ran my background and received a clean report XXXX XXXX with XXXX On XX/XX/XXXX Sterling posted on my background report that i had a warrant from a case that was 9 years old XX/XX/XXXX past the 7 years required and then. Put on the report that the warrant was issued XX/XX/XXXX to make it appeared within the 7 year required and refused to provide the information of who reported the information which is required in a Advised action. There was no warrant they did it to help XXXX to denied employment and for profit.
Consumer complaint received 2023-01-11
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TN)

Wells Fargo from 2009 until lose of home due to foreclosure took large sums of money from me that was left in limbo and was never used to help in my foreclosure even after I paid and Wells Fargo still foreclosure on me. I had VA loan. I've sent numerous faxes and info to Wells Fargo even up to today. Still no resolution that is acceptable to me. They owe me funds that i applied and funds due to hardship and not allowing the info I sent as requested to still allow foreclosure. Its still a total and complete disservice to me and all wrongfully done consumers. All I want is my portion of funds to justify my lose and to compensate me for there mistakes and misleads. Thanks and XXXX bless
Consumer complaint received 2021-09-12
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. (OH)

I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I applied for a loan due to an emergency in my family that left my jobless to provide for my kids. I was denied a loan because of the information that is being reported to my credit profile. I have sent multiple letters to get these issues addressed and nothing has been updated. I am on the verge of a eviction because i do not have the funds to get a loan to find a new place of residence for me & my family because the bureaus are damaging my character and dictating my credit worthiness. I need this issue addressed & fixed IMMEDIATELY. i have been trying to get these negative incorrect items removed for the past few months and i have not seen any change & i am very frustrated and emotionally stressed which is causing my health to decline.
Consumer complaint received 2019-11-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CRESCO CAPITAL INC. (IL)

Iam making a final goodwill will attempt to have you clear up this. Its my understanding that consumer financial protection bureau help enforce consumers right 's and stop bad reporting agencies from reporting inaccurate, incomplete errors on consumers credit report. Also be advised that this my third dispute letter, 120 days no response, this company is in violation of 15usc1681, no need for me to go into details and tell you the law your company know for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents. Iam sure that you are aware current federal 1case law which states that consumer reporting agency bear grave responsibilities to ensure the accuracy of the account they report on their responsibility must consist of something more than merely parroting information received from other sources which means that if you can't send me proof of this unknown account from your this company it must be removed its that simple. Another note for Violation is section 1692g ( B ) Collector must cease collection effort until debt is validated. Section 1692g ( a ) ( 5 ) must provide name/address of original creditor if different from current creditor which i have np idea of. Section 1692a ( 8 ) failure to communicate that a debt is disputed to the other reporting agencies, this company has violated the laws, and have ignored my request to provide me with the documents thats in their file which i disputed months ago. Its obviously this company cant verify this account, and under section 611 ( 5 )  ( A ) of the FCRA you are required to promptly delete all information including the three major bureaus which can not be verified. Sounds like a civil liability, and i won't ever remedy that is granted to me for negligent noncompliance section 617 states if you fail to comply with this federal law, i can pursue litigation to enforce my right under the FCRA, i truly demand this account to be deleted immediately. 

Sincerely XXXX XXXX
Consumer complaint received 2019-11-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

I am applying for PSLF. I submitted my first employment certification form in mid 2018. loan count for PSLF was lower than expected. I spoke several time with an ombudsman to have my loans recounted. at least 4 additional payments were identified during our conversation alone. I recently recertified with my employer, and the updated loan count is still not correct. Also, several loans that I was previously told would qualify for PSLF did not qualify.
Consumer complaint received 2022-08-12
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: Experian Information Solutions Inc. (NY)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX violated my rights. 15 U.S.C 1681 section 602 A. States I have the right 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 instruction
Consumer complaint received 2017-09-17
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. (CA)

TransUnion does not allow you to put a freeze on your credit through their web site without signing up for an account. Although the account is free, it requires acceptance of a " terms of service '' agreement with a bunch of nasty stipulations.
Consumer complaint received 2019-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: STATE FARM BANK, FSB (NJ)

I have been mistakenly put into collections for bills that have been paid. I possess all receipts directly from my bank. Their service arrogantly refuses to accept that fact. When I try to talk to their collections people they tell me the conversation will be recorded. Therefore, I tell them I am recording the conversation as well to which they respond " We can not continue the call if it is recorded '' and hang up.I followed their " Billing Rights '' process and sent a letter in compliance on XXXX. To this day I have not been contacted to discuss the matter and trade documents. Their " Billing Rights '' process instructs " continue regular payments '' to which I have complied. It goes on to say " We can not report the amount as delinquent ''. However, the three credit bureaus have marked me as such. At this time late fees have added up to {$190.00} and rising. That is currently in dispute. I would like an accurate payoff figure dating to XXXX, that has deducted the payments made since then, and deducted all interest since then as well. I am ready and able to make such a payment. Also, they must remove all negative documents from each reporting agency ( XXXX, XXXX, XXXX  ). Following is the letter I sent on XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX State Farm Bank  XXXX XXXX  XXXX, Deposit New York, XXXX I sent my payment of {$50.00} to be received electronically on XXXX as I have always done. Payment is due on XXXX. On XXXX I received a message from my bank that the payment was not accepted. This is very odd as I have sent in payments in the exact same way for quite some time. 

I called State Farm on XXXX to determine what went wrong and was told that I had to send the money under account number ending in XXXX ( previously always sent in account ending in XXXX ). The operator insisted I give her my checking routing number to make the payment which I did. I was told there will be no charge for the transaction. I was also informed that the penalty will be waved. According to my bank, the check was cashed on XXXX. 

This month I have received several harassing phone calls from State Farm who would not tell me why they called because I told them the call is being recorded. 

Since then I have sent another {$50.00} electronic payment to be received on XXXX. My bank informed me that the payment was collected. There is another electronic payment scheduled for XXXX of {$50.00}. 

I have never missed a payment with anyone for any reason for at least the last 20 years. Please correct my account and send me an accurate account balance. I intend to pay this off in full and never do business with your service again. I believe interest charges should stop on XXXX as I was unable to get an accurate payoff figure from your service representatives. An immediate response is requested. 

XXXX XXXX XXXX
Consumer complaint received 2019-02-28
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. (UT)

XXXX XXXX is reporting a debt on my credit file that I do not owe. This debt has been paid a long time now. They are affecting my credit by violating the FCRA ACT LAW by reporting incorrect information. This debt needs to be removed.