davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-20
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)

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 : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX FIN Account Number XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MO)

Ive recently filed an complaint that was close. Which I feel it shouldnt have been. They appeared to have satisfied your requirements but not to me. I am still not convinced or have proper documents that I am required to owe any debt to the alleged current owner. I have no documentation that Resurgent is people Im to answer to due to the fact LVNV is listed as the current owner. Not Resurgent. I have yet to receive communication between the original creditor XXXX and LVNV as far as a signed documents between he two authorizing them to collect or documentation of them buying this debt let alone it being turned over to Resurgent. Also According to Resurgent they were authorized to collect on this as of Effective XX/XX/2021 ; as of this time LVNV Funding placed this account with them. How is this so when I have a document dated XX/XX/2021 saying this account was in hands of XXXX XXXX XXXX. There for it was supposedly in someones elses possession at time Resurgent is claiming possession. Therefore additional information is required bill of sale, receipt of sale. Signed documentation between original creditor and Resurgent stating that they are required to collect. On this.
Consumer complaint received 2022-11-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TD BANK US HOLDING COMPANY (PA)

XXXX XXXX XXXX  based in XXXX XXXXXXXX XXXX has filed a lawsuit in XXXX XXXXXXXX XXXX against myself ( XXXX XXXX, formerly XXXX ) to collect a debt ( that I believe I may actually owe ) without ever contacting me. I have received no mail, no calls, and no emails from them. Ive still not even been served. I only found out about this filing because I received a letter from an attorney offering their services to fight the case. I have now made 3 attempts to contact this debt collector- twice by phone, once by email, and have not yet been able to speak to a human being ( I reached voicemail for both calls ). This company is making no attempt to collect the debt in a reasonable manner.
Consumer complaint received 2023-03-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (MD)

The mortgage servicer Fay Servicing , LLC made verbal promises to provide mortgage assistance. 

Fay Servicing , LLC was made aware that I was severely affected by COVID-19 which completely changed my financial situation. I was unable to make my scheduled monthly payments because of the decrease in income. 

Fay Servicing , LLC stated that I would be placed on a forbearance plan that lasts for 12 months and a loan modification would be provided after the forbearance ended. I was given this information from a Fay Servicing , LLC representative on XX/XX/XXXX. 

However, Fay Servicing , LLC never provided forbearance or modification ; instead, they initiated a sale date of XX/XX/XXXX, and refused to provide any mortgage assistance or alternative to foreclosure. 

The actions of XXXX XXXX XXXX, XXXX are consistent with Dual Tracking. Dual tracking occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance options. This practice violates federal law ( 12 C.F.R. j 1024.41 ) which ; The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XX/XX/XXXX. Among other things, the rules restrict dual tracking. 

Fay Loan Servicing , LLC has established a history of misleading practices pertaining to CFPB guidelines and the Dodd-Frank Act which I have detailed in a Qualified Written Response dated XX/XX/XXXX XXXX
Consumer complaint received 2021-11-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have a clear title to the car I owned that have been paid off and sold to XXXX for resale. I have disputed and attach my documents as proof. Please see the same documents that I rendered to all 3 major credit reporting agencies. However, all major credit reporting agencies, never fix the issue at hand.
Consumer complaint received 2022-11-08
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. (FL)

Hi, I have been requesting for these inquiries to be removed since this might be the cause of the XXXX data breach. I already mentioned before that I don't know anything about these but you keep on ignoring my requests. I already filed a report to the FTC about these and it will be investigated. Please remove them from my report while they are doing the work.
Consumer complaint received 2023-03-30
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC (CA)

I'm inquiring to find out if Westlake wants to pickup or have me return this car. I am 20 days past due and have been harassed every day for the past 20 days. I Have been written up twice at work due to these disruptive phone calls. If this is how Westlake conducts business I'd rather you ask me to return your vehicle because this is insane. I am not going to lose my job do to your representatives constantly harassing me. I could understand if I was 1-2 months behind, but this is ridiculous. I explained to customers service in XXXX I had an unexpexted funeral to pay for and I would be less than 30 days behind for a while until I can get back on track. Why am I being harassed? The screenshots provided shows just one of the numbers calling. There are also calls from 3 additional other numbers. Constantly... all day. Please advise me if you want your vehicle back.
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NC)

On XX/XX/21, I was informed by the North Carolina Division of Employment Security that someone fraudulently tried to claim unemployment insurance benefits by using my name, date of birth, SSN, home address, and place of current employment. ( My employer alerted me to the fraud, and instructed me to contact NC Division of Employment Security. ) Thus, my identity was apparently stolen.

To check my credit reports ( as Identitytheft.gov recommends ), I used XXXX. I succeeded in obtaining credit reports from XXXX and XXXX, but I could not obtain my credit report from Equifax -- because of apparent problems in verifying my identity. Oddly, for identity verification Equifax asked questions about loans and accounts that were not mine ( and to which I replied " none of the above '' ). 

Does this problem with obtaining my Equifax credit report signify that someone is already using my identity fraudulently in financial transactions?
Consumer complaint received 2019-05-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Holloway Credit Solutions (AL)

The debt is due to a medical XXXX for {$2000.00} on XX/XX/XXXX, & {$460.00} on XX/XX/XXXX. The debt is invalid due to it being charged to my mother and she filing bankruptcy last year. I filed a dispute through XXXX XXXX ( months ago ) stating that the debt is bankruptcy of another person but have not seen any changes. I never signed anything stating that I should be charged the balance everything was in my mothers name all bills due to me not having credit or insurance during the XXXX.
Consumer complaint received 2022-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (VA)

Shellpointe sent me a copy of their welcoming letter. Shellpoint states my loan was transferred to Shellpoint by XXXX. The letter is dated XX/XX/XXXX. XXXX XXXX was not not my previous loan servicing company. I told Shellpoint many times XXXXXXXX XXXX XXXX XXXX was my loan servicing company. Shellpoint ruined my credit for a late XXXX payment. I paid the XXXX payment to XXXX as I was told in writing by XXXXXXXX XXXX  XXXX XXXX. I asked many times for proof Shellpoint is my loan servicing company. XXXX was NOT my loan servicing company it was XXXX XXXX XXXX. Shellpoint knew this and yet continue to collect mortgage payments from me with misinformation. Shellpoint responded and said that they servicing company on a letter dated XX/XX/XXXX and mentioned the loan servicing company that was being transferred was from XXXX this is not accurate Shellpoint ruined my credit. XXXX ignored my many request to prove that they are servicing the loan company. XXXX sent me official notification that XXXX XXXX was my loan servicing company. Shellpoint saw the community notification but ignored it. 

Shell points response was that XXXX transferred the mortgage to them I advised them many times that community loan service was my service provider not XXXX Shellpoint also asked me to contact community loan service to prove that Shellpoint is my new loan provider. XXXX told me to pay XXXX XXXX in writing not to Shellpoint. 

Shellpoint sent a Copy of a letter that they say was sent on XX/XX/XXXX Shellpointe requested payment on XX/XX/XXXX. I told Shellpoint that I paid XXXX XXXX as instructed by XXXX XXXX XXXX. 

Shellpoint ruined my credit. Shellpoint took mortgage payments without any proof that community transferred the loan to Shellpoint. Shellpoint didnt even provide me proof that XXXX XXXX transferred my loan to Shellpoint. I did not receive any letter from XXXX telling me to pay Shellpoint, because XXXX was not my loan servicing company. Shellpoint knew all this and still took my mortgage payments without any proof they are my loan servicing company.
Consumer complaint received 2021-11-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

Convergent Outsourcing s is trying to collect on a debt from " XXXX '' for {$730.00} from me. I have never done any business with XXXX XXXX XXXX or XXXX XXXX XXXX  in my life. I've reached out to Convergent XXXX and XXXX and that have refused to stop collection efforts or remove this account from my credit report without me paying the fraudulent debt. I have asked several times for a signed contract or written proof that this debt is mine and they have no provided ANYTHING. All they have been able to provide me was with a bill with my name on it which doesn't prove anything. Either they are running a scam on me or someone has opened an account in my name without my acknowledgement and has left me with the bill. Either way I do not owe XXXX XXXX XXXX  or XXXX XXXX XXXX anything because I personally have not done any business with them. I am contacting the CFPB because I haven't gotten anywhere with these guys and hoping you all can help. I am prepared to take legal action against XXXX XXXX and XXXX for violating my rights under the FRCA.
Consumer complaint received 2022-06-17
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: EQUIFAX, INC. (NC)

This company is reporting inaccurate account in my credit report, I have paid off my account from them and I noticed that there are some late payments, I tried to verify it this company but get no response. The late payments is reflected differently across the different bureaus. This is a clear violation of my FCRA.
Consumer complaint received 2018-03-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (DE)

I wasn't told the amount of my monthly mortgage payments until the day of settlement, before settlement I kept asking how much my monthly payments would be I wanted to be certain if I I could afford to pay. I was told that my monthly payments was what I wanted them, okay I trusted wells Fargo and XXXXXXXX XXXX that they did have my monthly payments around where I told them I could afford to pay and it was nowhere near what I had said they were in which I knew this amount {$1000.00} per month would be a struggle. This has taught me to never trust anyone when it comes to your finances because it is all about a dollar not fairness. 
On XX/XX/XXXX, I purchased a modular home land package from XXXXXXXX XXXX   in which wells Fargo was the service lender. Wells Fargo based my sole income on overtime in which months later I lost my overtime I applied for a modification for lesser monthly payments I was denied immediately. At this point my income became less than what I was paying for my home. In XX/XX/XXXX, my doctor took me out of work due to medical reasons. In XXXX, I had to resign my job because of medical reasons. As I was trying to modify my loan at that point. I understood I couldn't get a modification due to not having income. As my house has gone on the foreclosure list many times at one point we had mediation due to no income the issue wasn't resolved. In XXXX, I finally received my Social Security XXXX so therefore, I now had income but wells Fargo denied my modification. As my housing counselor was scrutinizing my loan information he informed me due to the income I was making per month that it looked like PREDATORY LENDING to him he asked a question was my gross per month {$3000.00} or more at the time of the loan process I informed him NEVER he specifically stated to me that I should have never been in this loan as he was a former Attorney. I have had to file Bankrutcy twice in order to keep my house. Wells Fargo is being deceptive as they will not let me in the door to modify my home. I am going to the extreme to expose them for the Fraudulent acts they have done and is doing and in the mean time trying to save my home. Again this is not a stick built home it is a manufactured home.
Consumer complaint received 2018-03-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (NC)

Repeated phone calls, 3 in a row this morning at XXXX. They leave no voicemail. Called back to find company name is diversified inc. We have received 0 mail from them and the calls have gotten to be daily on my cell phone and my parents house line. 
XXXX XXXX XXXX This has been going on for about a month.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

I was a victim of the XXXX data breach. 
I want these items deleted from my credit reports effective immediately. 
I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach. 
Please help me delete these illegal accounts from my credit reports. 
Old addresses XXXX XXXX XXXX XXXX La XXXX, XXXX XXXX XXXX XXXX La XXXX, XXXX XXXX XXXX XXXX La XXXX Birthday not correct XX/XX/year> is my correct birthday. 
Employment incorrect XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX Reported late
Consumer complaint received 2022-11-08
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Public record information inaccurate
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

I leased a new XXXX XXXX XXXX ( XXXX ) from XXXX XXXXXXXX XXXX XXXX NY . I ended the lease early and traded it into XXXX XXXX on XX/XX/XXXX ( as indicated on the signed odometer statement from XXXX ). 

Before trading in the XXXX, I made sure all my obligations were met. Such as : - Under the allotted milage by the lease. 
- I did lose a key so I went to a Toyota dealership and paid to get a new key and have it programmed to trade in with the car. 
- From that same dealership I got the lease turn-in packet. I checked the car all around for dents and scratches. There were none that were over the threshold listed by Toyota. I also checked all 4 tires, they were within the guidelines as well. 
- Contacted Toyota 3 times for a final payoff. This included myself calling, the new car salesmen calling from XXXX, and the General Manager of XXXX. All on separate calls, all verifying the same amount which XXXX did pay ( if you need proof of this I would be happy to go to XXXX and get a signed statement ). 

I then do not hear anything for over a year, when my credit is hit by over XXXX points for a repossession. I call Toyota for months and can never get a straight answer. I am just told to pay them {$2200.00}. 

I finally get a hold of somebody after calling every day, asking to speak to a manager on every call that helps explain what the charges are actually for ( still to this date they have not been able to explain the charges ). This rep explains that the car was indeed repossessed however it was repossessed from Toyota 's corporate lot. They repossessed the vehicle from themselves. The rep ends the call stating they see the issues and they will take care of it. So I leave the conversation thinking everything will be solved. Months later still nothing. I start calling back again daily, but nobody can find that call and they all say ( including managers ) I owe them {$2200.00}. 

At this point my credit has started to slowly come back from this but I do want this resolved so I hired an attorney. He sent a letter to Toyota stating all these facts. It takes Toyota over a year to respond. That response is, have your client pay {$2200.00}. 

We send a response back and again wait years for anything. Just the other day I get a letter from Toyota to my attorney stating : " dear sir/madam : We have filed a notice of voluntary discontinuance or satisfaction of judgment on your client 's behalf A COPY OF THIS NOTICE OR SATISFACTION IS ENCLOSED '' My thought is after 7 years of them destroying my credit and running so much in my life this is over... but I was wrong. They just hit me with a judgment for that same {$2200.00}. 

I can not express how much I want Toyota to pay for their mistakes they have made me pay more for things for almost a decade of my life because of their mistakes and they should pay for this.
Consumer complaint received 2020-05-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (RI)

I received a letter from Nelnet thanking me for applying for a XXXX..This letter is dated XXXX XXXX. Now heres the problem I never applied for anything. This company unbenouced to me automatically did this.pulling it from the holder ( XXXX ) where it was in hardship status The letter goes on to state garnishment threats etc.How is it that this 3rd party company can do this.
Consumer complaint received 2020-05-21
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (TX)

Phh mortgage co was not supposed to report my mortgage situation during the Covid 19 instead they reported an increase in My mortgage from the interest that is not supposed to be charged during the 3 month forbearance period negatively affecting my credit score. In XX/XX/2020 my mortgage was reported to have an increase of {$280.00} during the forbearance period.
Consumer complaint received 2022-11-08
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Collection Systems, Inc. (NY)

National Credit Management has continued to contact me despite receiving a cease and desist letter from me and agreeing to stop communication after I filed complaint XXXX with the CFPB. NCM stated in their response on XX/XX/22 that this account was closed, but then verified the account through a dispute with XXXX as open and accurate on XX/XX/22. The collection agency is violating 12 CFR 1006.18 by engaging in deceptive practices by subjecting me to misleading representations of this debt.
Consumer complaint received 2021-10-08
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: Mercedes Benz Financial Services (NY)

Mercedez Benz account is reported multiple times only one account should be posted. XXXX XXXX is reporting what the creditors pay them to post even if it's inaccurate. XXXX XXXX is reporting more than once and it's the same accounts.