davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (NY)

WAKEFIELD AND ASSOCIATES have wrongly tried to collect the a debt that i did not owed to them amounting to {$3500.00} and have ruined my credit. My insurance had paid the hospital in excess of {$10000.00} but still they are pursuing me from XX/XX/2014.
Consumer complaint received 2020-08-19
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. (OH)

This is my second request regarding fraudulent accounts on my credit report that do not belong to me. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report : XXXX  # XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-10
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: Experian Information Solutions Inc. (FL)

I found some fraudulent inquiries reporting on my credit report so I sent a letter to the credit reporting agencies on XX/XX/2021 but as of today XX/XX/2021 I have not received the results from the credit reporting agencies. I have filed an identity theft affidavit and sent into the bureaus with my personal identification and proof of address. 
These fraudulent inquiries still remain despite my submission of supporting documents. 
The list of creditor attached did not have my consent to run my credit and is a result of identity theft result.
Consumer complaint received 2018-06-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (WA)

Shellpoint is the mortgage company who services our loan. They are reporting to the credit bureaus that we have been and are still late on payments with them. My wife, XXXX XXXX and I, have never been late. This has gone on for well over a year. We have spent over 100 hours contacting Shellpoint to fix our credit reports. We have called over and over, gone up the chain of command, emailed and wrote many letters to them. They told us that they had fixed the problem but it continues to show on our credit reports. We have written the credit bureaus many times just in case they were reporting the wrong information, it seems as if the problem lies with Shellpoint. The other issue is our rate is adjustable and rates are starting to go up. We need to obtain a new mortgage loan but can not because of these late payments. This has harmed has caused us a lot of stress, anger and frustration and it is hurting us financially. Please help.
Consumer complaint received 2015-05-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

It appears that there are Liabilities on my credit report that do not belong to me. Such as XXXX, XXXX, XXXX, and etc. These are causing a decrease in my overall credit score. These expenses that have turned into collections do not belong to me. There is a huge error in my report. These expenses have been added to my report that belong to an entire different person. This need to be corrected.
Consumer complaint received 2018-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NE)

USAA took {$170.00} from my account for a package of beauty cream from some company in Florida that I do not know who it is nor did I order. They say that this company has communication with me and that the post office did deliver it. I have never received any package. USAA claims the package was delivered according to the company, yet there is no signature of mine indicating I received it.
Consumer complaint received 2018-06-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. ()

I've used Navient to supplement payment for XXXX school since XX/XX/2009. In hindsight I have realized that they are incredibly misleading about the loan terms they offer. For example, they initially reassured me that loans do not go into re-payment while still in training ( ie residency ). However, what they didn't tell me is that 'deferment ' only lasts for three years. I also struggle to make payments due to my current circumstances. Every time I contact Navient they are extremely unhelpful in giving me information, options and directions of how to seek lower monthly payments. They are essentially incredibly unethical by not giving full information about their terms and services. They then put obstacles in the way to assist people in lower payments, achieving deferments, educating them on options, etc etc.
Consumer complaint received 2016-02-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

I purchased a mobile home in XXXX. Made every payment, never late, and in XXXX paid it off. Green Tree claimed I owed for insurance they had placed on the home previously. I kept homeowners insurance on the property the entire time, for the value of the home as per the contract. Green Tree said I had to have insurance to cover the loan amount, but the contract did not say that. I refused to pay, and later that year they repossessed the home. I contacted Green Tree and requested to know how much they sold the home for, and they refused to provide any information. This was the last contact I had with Green Tree. In XXXX, I found out Green Tree had contacted my father. In XXXX I was XXXX XXXX XXXX with limited credit, so my father co-signed for the note. My father had his own loan with Green Tree, and I found out they contacted my father demanding payment of {$1500.00}. or they would call his current note due. My father paid {$1500.00}. to settle the claim without my knowledge. 
On XXXX XXXX, XXXX I received a XXXX from Green Tree, now doing business as DITECH Financial, claiming they discharged {$5700.00} of debt I owed. I contacted them at the number listed on the form. 
The automated system requested my account number, so I provided the one on the XXXX. It said the number does not match any acct. 
It then asked for my SS #, which I provided. It said No Acct exist for this number. Finally I spoke with a representative. She could not provide any information other than to say I must have owed money sometime a long time ago on a mobile home. I claimed I owed nothing a and requested that she verify the debt, and she said those records do n't exist any more. I told her that was n't acceptable, that I did not owe anything to Green Tree, and unless she can provide me proof I wanted this XXXX corrected. She told me I must have owed money from a long time ago, and they decided to write it off on XXXX, so she refused to do anything. Once again I requested some proof I owed Green Tree anything, to which I was told the account and those records do n't exist anymore. 
How can a company, without proof or documentation randomly place an XXXX burden on me with a XXXX for any amount they make up? I 'm guessing Green Tree does this, and then claims the deduction on their Federal Taxes, so would n't this be Tax Fraud? Even though they have n't tried collecting this amount from me, by filing the XXXX they have placed the debt on me unfairly, causing me to now owe the XXXX portion of this undocumented debt. 
I think Green Tree is guilty of criminal activity, and ask that a formal investigation be undertaken.
Consumer complaint received 2022-09-09
Product: Payday loan, title loan, or personal loan — Payday loan
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. (VA)

There is a XXXX XXXX account number XXXX my credit report that is still showing on my report that should not be there. It has been over 7 years and they should be dropped off my credit report.
Consumer complaint received 2021-09-10
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. (FL)

I found some fraudulent inquiries reporting on my credit report so I sent a letter to the credit reporting agencies on XX/XX/2021 but as of today XX/XX/2021 I have not received the results from the credit reporting agencies. I have filed an identity theft affidavit and sent into the bureaus with my personal identification and proof of address. 
These fraudulent inquiries still remain despite my submission of supporting documents. 
The list of creditor attached did not have my consent to run my credit and is a result of identity theft result.
Consumer complaint received 2018-06-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kramer & Frank, P.C. (MO)

I noticed a negative mark on my credit report and disputed the alleged debt with the collection agency listed. I sent this request for validation certified return receipt mail. The collection agency did not respond to my request for validation, yet continues to report this information that has not been validated knowingly in violation of consumer rights under the FDCPA and FCRA. I also disputed this information with the three major credit bureaus : XXXX, XXXX, and XXXX, who responded that the information was verified. I contacted the original creditor listed on the account and requested an investigation pursuant to Section 623 of the Fair Credit Reporting Act. No documentation of records was provided as requested and they could not validate the account. No thorough investigation was conducted by the original creditor or the credit bureaus as requested. The collection agency did not respond to request for validation. However, all parties involved continue to report invalidated information knowingly in violation of my consumer rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.
Consumer complaint received 2018-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (IN)

This collection amount of {$560.00} was incorrectly placed on my credit report in XX/XX/2017 and I had no idea it was there because I never received any notice of it. This debt should not be in my credit file because it does not belong to me.
Consumer complaint received 2017-12-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

I am contacting you to inform you that I recently received a copy of my Equifax credit report and after carefully reviewing, I have found a number of accounts that are inaccurate and do not and have never belonged to me. These items that are reporting on my credit file are inaccurate and are hurting me from obtaining a mortgage in the near future. Below are the following accounts I would like to have removed and my credit report updated as soon as possible. 

Account : XXXX XXXX XXXX Account : XXXX XXXX Bank Account XXXX XXXX XXXX Bank & XXXX I have requested that the credit bureaus send copies of the documents that they have in their file to verify accuracy and they have failed to do so. Under the fair credit reporting act, I have the RIGHT to demand that they disclose all documents that are recored and retained that presents valid proof that these documents indeed belong to me. If they are unable to furnish the proper documents I demand to have these accounts deleted
Consumer complaint received 2016-05-31
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Ditech Financial LLC (OR)

Due to new information I 'm submitting a new issue. This loan was paid off at close of escrow as shown in the settlement document, however, the lender is n't counting it as being paid. My belief is that in the XXXX+ years ago when this was recorded the lender accepted the payoff and then its doors closed. The other case i have open with you is:XXXX.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

THERE ARE SEVREAL THINGS ON MY CREDIT REPORT THAT IS NOT CORRECT THE XXXX XXXXXXXX XXXX XXXX {$10000.00} XXXXXXXX XXXX XXXXXXXX {$300.00} AND THE CAR I PAID OFF STILL IS SHOWIN UP ON MY CREDIT AS OPEN I PAID THIS CAR OFF AND THIS NEEDS TO BE UPDATED ON MY CREDIT REPORT. I HAVE SEVERAL INQUIRES ON MY CREDIT THAT I DID NOT DO AS WELL. 
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  PLEASE REMOVE THESE ITEMS FROM MY CREDIT REPORT.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Convergent Resources, Inc. (IN)

I have previously reached out to the collection agency to get verification of a debt they have been reporting. After numerous attempts I have received no notice of investigation or updates for the account. The original creditor doesnt have any knowledge of said account so Ive been stuck with dealing strictly with the collection agency with no luck. I have attached the email stating that they have indeed received communication from me but have just failed to respond for months. This account falsely reporting is hindering me from major life advances and I would like this matter to be handled as soon as possible!
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (NC)

Attaching FTC Identity theft affidavit for account number XXXX. This account has been blocked by XXXX already. Dispute with XXXX and XXXX is still on going. This statement along with my FTC Report XXXX. XXXX should be considered in your fair credit reporting practices.
Consumer complaint received 2020-07-12
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Santander Consumer USA Holdings Inc. (CA)

XXXX XXXX XXXX XXXX threatened to call the police to repossess a vehicle on private property. Their representatives knocked on my door at XXXX, and threatened me by stating that I was violating the law, and that they would bring the Sheriff. 

Not only is XXXX buying defaulted predatory loans, they were difficult in dealing with. When they came to my property, I offered to resolve the issue in the morning. Not only did they refuse, they started yelling and became verbally abusive. 

XXXX never sent account or balance updates and misrepresented the Amount due on numerous official documents.
Consumer complaint received 2024-02-27
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: U.S. Auto Credit Corporation (FL)

i became XXXX during the time i had the vehicle. 
the vehicle was reposessed at my probation office. 
i was XXXX for 15 months and the vehicle went to auction. 
i know the vehicle was sold and i am trying to get this item off of my credit report
Consumer complaint received 2018-02-02
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: Recovery One, LLC (IL)

To whom it may concern : I have several collection accounts on my credit files from a collection agency the account is as follows : Account XXXX XXXX ( original creditor not listed ) account # XXXX XXXX   XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX Recovery One LLC XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX   account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX ) XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX ( XXXX ) account # XXXX ( XXXX XXXX ) XXXX, XXXX, XXXX Please be advised that I am disputing these collections due the fact that the all the collection agencies does not currently have a valid license in Illinois to collect on debts. This information is stating that their license is currently not showing up at all/canceled/revoked/expired according to ( XXXX XXXX XXXX ). I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that all the collection agencies are licensed to collect debts in Illinois. 

Your immediate response will be greatly appreciated. 
XXXX XXXX XXXX
Consumer complaint received 2015-09-12
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NY)

My original mortgage was with XXXX, I had a modification agreement with them XXXX then changed to XXXX XXXX I then had a modification agreement with them XXXX then transferred my loan to Green Tree. Somehow they did not have my modification and returned my payments. Green Tree stated I had to start the process all over while charging me more fees interest and costs. I do not receive ANY STATEMENTS I have no idea what my mortgage balance is, what fees or costs have been added. I have completed the modification papers atleast XXXX different times to date and they always have some excuse as to why its not processed. I have no idea what the current balance due is.
Consumer complaint received 2024-02-26
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. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or REMOVAL of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2021-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bread Financial Holdings, Inc. (AL)

My account was included in bankruptcy but Comenity Bank failed to adhere to the court and sold my account to XXXX XXXX I would for Comenity Bank to update my file and delete the account off my credit report due to lack of verification on their part.
Consumer complaint received 2021-07-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CHARLES SCHWAB CORPORATION, THE (NY)

XXXX is unable to resolve a money transfer that fraudulent. Having a XXXX XXXX XXXX XXXX, a securities license, and having been in banking myself, I am aware of that kind of cash transfer app is an extreme danger to the consumer as many people might have families and outstanding obligations and are taken advantage of such as myself. 

Neither XXXX or Schwab Bank has refunded my money and they seemingly release themselves from any indemnity by providing cloudy details. Has transparency and financial protection disappeared altogether?
Consumer complaint received 2016-05-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (LA)

Experian deleted an old Bankruptcy from my file in 2015 and since adding a fraud alert and identity theft to my file ; they have readied the Bankruptcy to my File. I have disputed it even sending them the prior results and calling the courts for help ; however, they refuse to remove the Bankruptcy as XXXX and XXXX did. 

I am waiting to close on my house in 45 days my second extension ; and if they do not remove this is face a 8 % interest rate compared to a XXXX. 
I called the XXXX in XXXX XXXX and I was told that the Bankruptcy should be deleted and they are no longer reporting it.
Consumer complaint received 2022-01-06
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. (MO)

The Account Opening date is inconsistent across the credit bureaus. 
Account Type is inconsistent across the credit bureaus.

Account Status is different across the credit Bureaus It reports as open and closed at the same time.

Date of last payment is inconsistent across the bureaus.

Date the account was last active is different across all credit bureaus.

Account Balance is different across all bureaus.

The high credit limit is different across all the credit bureaus.

Account is erroneously reporting 30 date late payment on XX/XX/XXXX.
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

Please update the following information Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, New Jersey XXXX Employer : XXXX XXXX XXXX Phone number : XXXX Please remove another other names, addresses, phone numbers, and employers Thank you!