davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-09
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 — Their investigation did not fix an error on your report
Company: States Recovery Systems, Inc. (IL)

Dear XXXX, In the results of your Third investigation, you stated in writing that you verified that this item ( XXXX XXXX  ) ( STATES RECOVERY SYSTEM INC ) and ( XXXX  XXXX  XXXX  XXXX  ) is being reported correctly? with XXXX INCONSISTENCIES reported on this account how could you verify it? Who verified this account? This is not a request for VERIFICATION or proof of mailing address but a request for VALIDATION made pursuant to the above-named Title and Section. Now, I respectfully request that XXXX  provide me with competent evidence that I have any legal obligation to pay this debt OR DELETE THIS FRIVOLOUS ACCOUNT IMMEDIATELY 1. ) Please provide a valid basis for the debt, such as the original contract/agreement, the promissory note between Consumer and original creditor, bearing Consumer wet-ink signature ; 2. ) Please provide the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as XXXX XXXX  balance sheet ( XXXX # 's XXXX, XXXX, XXXX XXXX, XXXX XXXX report, XXXX registration statement, XXXX prospectus, XXXX, and XXXX call schedules ;
Consumer complaint received 2020-12-07
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: HOMESTAR FINANCIAL CORPORATION (GA)

Back in XXXX of 2020 i spoke to my mortgage company about what i could do to decreased my payments because due to miscalculations on the escrow my payments went up by around XXXX $ I was given the option for a modification. I was told by several different people from the Homestar company that this would not affect my credit and yet it has been being reported that i have not made any payments My credit score has dropped from a XXXX to a XXXX. I have made all the payments on time and i keep getting the run around about the modification being complete but not finalized. My credit has taken a huge hit from this. I have spoke to several people at Homestar and still cant get this modification finalized or a straight answer. This has been going on for 10 months. I need help and answers please.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Addresses : XXXX  XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX, MS XXXX Employers : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

After reviewing my consumer reports, I noticed that I have numerous inquiries. I have been notified that my data has been compromised as a result of the equifax data breach... I believe these inquiries are fraudulent and I am requested they be removed/deleted from my credit reports. The inquiries WITH MULTIPLE DATES are as followed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-16
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Rosebud Economic Development Corporation (MI)

I received a phone call from an unknown number stated they were with XXXX  and had something to drop off to me at my home. I said I dont know anything of this. Everything has been stated this is from XXXX of XXXX. I never got a loan from ZocaLoans. I have told them, nation debt holdings as well. XXXX debt told me to file fraud. They are saying I owe around {$1500.00}.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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  Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ENOVA INTERNATIONAL, INC. (CA)

Net Credit Financial my last payment, XX/XX/2019. ( XXXX ) i reported to them I have been affected Disaster/covid 19. Which shows on my credit reports lates for over 2 years. I have been trying to settle or work out an arrangement but they are not willing. However this monthly lates is hurting my score. They have told me they would not report but it keeps happening.
Consumer complaint received 2020-11-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER BANK, NATIONAL ASSOCIATION (FL)

My name is XXXX XXXX I am XXXX years old. I currently live in Florida. I have an account with Santander Bank opened at the branch at XXXX XXXX XXXX, XXXX, NY XXXX Phone : XXXX XXXX XXXX XXXX. I have been trying to have the funds transferred to my Florida account since XX/XX/2020. The bank is giving me the run around. Initially they wanted a letter requesting said funds, notarized and with supporting documentation. I complied with their request, but they claim they have not received it. Other attempts and phone requests have also failed. Please help! 
Thanks for your time. 

XXXX XXXX XXXX XXXX ( daughter )
Consumer complaint received 2024-02-16
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. (SC)

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 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 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame.

1. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. Account was paid XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account XXXX : XXXX : XXXX XXXX XXXX. The following personal information is incorrect Account XXXX : XXXX : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I have an active FTC Identity theft file however, the bureaus keep allowing me to be further victimized. There are many inquiries that I did not authorize. I knew my credit was low so why would " I '' keep having my credit ran? I want the following fraudulent, unauthorized inquiries immediately removed. I have called and been given the run around by foreigners with these bureaus for a year now. This is peoples livelihood and its ruining my life. 

XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Last 4 SSN # XXXX XX/XX/XXXX Dispute Department Equifax XXXX XXXX XXXX. 
XXXX, GA XXXX. 



To whom it may concern, I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and DID NOT open these accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the documents supporting my dispute, Federal Trade Commission 's identity theft affidavit. Please delete the items as soon as possible. 

Sincerely, XXXX XXXX Enclosed : Identity Theft Affidavit Identification Documents Notice to Furnishers Fraudulent Accounts : XXXX XXXX  Account XXXX XX/XX/XXXX {$10000.00} FRAUDULENT INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX FRAUDULENT NAMES : XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT EMPLOYERS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-07
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. (NV)

Someone may have stolen my identity. There are accounts, addresses and inquiries that don't belong to me. Please remove them. I have attached my personal information as well. Thank you.
Consumer complaint received 2021-02-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (WA)

On XX/XX/21 on the FHFA website a press release has this quote ; " FHFA also announced that borrowers with a mortgage backed by XXXX XXXX  or XXXX XXXX may be eligible for an additional forbearance extension of up to XXXX months. '' On XX/XX/21 I called my mortage servicer Mr. Cooper, and inquired about extending our forbearance. I was informed Mr. Cooper had no information or guidance on the the FHFA directive. 

I am concerned that I am missing the opportunity to extend my forbearance
Consumer complaint received 2020-07-06
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC. (OH)

Paid company {$4300.00} to be applied to Ally car account for previous car lease on XXXX XXXX  XXXX.Ally still attempts to collect on debts not owed due to offer of settlement that was believed to resolve the aforementioned account. The payment was applied to but didnt satisfy the entire balance and obligations.
Consumer complaint received 2015-09-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: The Regional Adjustment Bureau, Incorporated (CT)

I was a student at XXXX University in XXXX, CT. I returned to school to complete a XXXX certificate. I filled out paperwork to have my loans deferred. I was notified that paperwork had not reached XXXX XXXX XXXX. I gathered paperwork for them again and sent it to my financial aid advisor to send to the loan company XXXX which I still have the email chain of this conversation ). XXXX I was notified that the loan had never been deferred and was sent to collections XXXX Regional Adjustment Bureau XXXX. I have been trying to work with the school and the collections agency to explain that this never should have happened. I have been notified by my school that my financial aid advisor has been in and out due to medical concerns and that there are now other discrepancies with my financial aid. I feel as though the school has failed to do their jobs and now I am suffering at the hands of a collection agency. I have tried to take out a private loan for the balance in collections, however I have been denied. I do not know where to go from here, please help!
Consumer complaint received 2021-11-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX of XX/XX/2020, I reached out to CapitalOne regarding my credit card ending in XXXX & made a payment over the phone. At the time my account was a few days past due ( but less than 30 days ) so I incurred a late fee, which they were nice enough waive. I inquired if they offered a hardship program, they offered a 3 month deferred plan which I accepted. A few weeks later, I got an alert from a credit monitoring service ( XXXX ) notifying me of a late payment reported on XX/XX/XXXX of XX/XX/2020by CapitalOne. I called them immediately and disputed the late payment, they told me it was a mistake & it would be removed. Till this day when I call they agree to the situation but can not send me a letter to the removal of the late payment. I was enrolled in a hardship program with them that was 3 months long. All these conversations were on a recorded line. I don't understand why all the trouble. My credit since then has dropped and it has been difficult to obtain a mortgage. Pleae help me remove this late payment. Other than this I have exceptionable payment history and would like it to reflect as much. 
Thanks XXXX XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

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. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2021-02-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: The CBE Group, Inc. (TN)

Trying to collect a debt over 8 years old. I had no idea of this debt. And they couldnt provide me proof of debt. They are threatening to garnish my wages and have accumulated over {$800.00} in fees. They also call me multiple times a day.
Consumer complaint received 2020-09-04
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: Specialized Loan Servicing Holdings LLC (CA)

Hello CFPD, it has been more then a YEAR, Trying to Work with MORTGAGE/LADAR to  CORRECT-REMOVE in-Correct Information is Posted to my Credit Report. # as fallows XXXX 
XXXX Date Generated : XX/XX/XXXX XXXX XXXX XXXX XXXX was my Original LANDER, My FIRST Payment was Due XX/XX/XXXX I PAID via Check Amount {$2000.00} But they SOLD my Paper to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Unfortunately. I never Got Credit from XXXX XXXX XXXX. in-spite. I provide them Several time Copy of Check was CASH on XX/XX/XXXX And it still Sowing on my Credit REPORT LATE/NO Payment. 
I have been Filing Dispute with USA XXXX. Finally I am seeking your Help to XXXX This issue/ I need HELP. 
THANK YOU XXXX XXXX
Consumer complaint received 2019-05-29
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. (NJ)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.
Consumer complaint received 2020-12-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Medical Administrators, Inc (VA)

I paid for a free trial bottle from XXXX  limited king size. Only pay shipping ( {$6.00} ) 2 days later received phone call asking how i was going to pay for XXXX monthly membership. I said just to cancel everything then am not worries about it. Refund my XXXX dollars i paid for shipping on free trial. Im not interested. Called me agian everyday 5 times a day. Tried charging my credit card without my permission. So i cancelled my card to make sure they weren't stealing my money. Now i have a letter 3 months later saying they trying to collect a debt. In wich ive never recieved anything in mail and told gentlemen on phone 20 times to cancel everything. And they still owe me XXXX dollar refund. Now im worried they are going after my credit and hurt it unless i pay them. Tried calling numbers. They provided on debt collection paper. No answer. Left voicemails and no answer. We are in the middle of a pandemic. Money is very tight and yet they still trying to rob me and others if you lookup reviews about XXXX  Unlimited online. They should be in trouble for this. Its a massive SCAM