davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OR)

There are unauthorized hard inquiries on my credit report. I've requested remove and they have yet to be removed. Please see below 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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2018-12-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I've been making payments to Navient on a private student loan for the last 5 years. The balance continues going up. 

My mom who is XXXX cosigned and they will not allow her off the loan. I've been given erroneous information about allowing her off the loan. 

They have destroyed her credit and mine and I've called for answers, resolution and they will not provide any info. 

They are now harassing my mother at home by calling 15-20 times a day. 

I've fallen behind on payments and have called for assistance and I've been told I need to pay {$1800.00} and there is nothing they can or are willing to do to assist me. 

I desperately need assistance and a resolution to this. Please help. As you know Navient has multiple lawsuits pending for shady and illegal practices. I'm one of the people.
Consumer complaint received 2020-10-16
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (FL)

The attorney XXXX XXXX did the short sale of the property at XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX. I am not complaining about his service. I am filing a complaint against SHELLPOINT MORTGAGE SERVICING XXXX XXXX XXXX, XXXX XXXX XXXX,XX/XX/XXXXXXXX. 

This Short Sale was completed XX/XX/2019. Shellpoint Mtg. listed this short sale as a Foreclosure on our Credit Report. They did rectify this error last month. However, in the mean time my husband and I are trying to get a new loan from the VA. 

Since the foreclosure was reported on the credit report the VA XXXX people have asked me to get a letter from Shellpoint stating that they made the error, even though it if off the credit report. 

The thing is that I have been sending emails, calling and sent them a request by mail for over a month with no response from them. 

I don't think that is fair to us all they need to do is to send me a letter stating that the error was their fault. 

Please let me know what if anything else is needed to proceed with this complaint. 

Not very good customer service from Shellpoint!! 


Thank You XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2016-02-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Cohn, Goldberg & Deutsch,LLC (MD)

I took out XXXX personal loans on XXXX separate occasions from XXXX XXXX XXXX : ( 1 ) {$2000.00} and ( 2 ) {$6000.00}. I have already paid over {$14000.00} for both. I stopped paying for the last loan since I was told I had paid it off, but still owed {$4600.00}. The law firm to whom my outstanding debt was sent, Cohn, Goldberg & Deutsch said they may sue me for an additional {$4600.00}. Can you help with this excessive usury? Thank you.
Consumer complaint received 2022-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kelsting Group, Inc. (CA)

On XX/XX/XXXX my husband and I received a letter from Pacific credit services ( XXXX XXXX XXXX XXXX ) for an attempt to collect on an unknown debt on behalf of an unknown entity ( XXXX XXXX XXXX ) with which we have never conducted business. We did report this attempt as fraudulent with the XXXX XXXX XXXX  XXXXXXXX XXXX 
On XX/XX/XXXX we did receive a second letter from Pacific credit services ( XXXX XXXX XXXX XXXX  # XXXX ) providing supposed proof of debt regarding towing and storage for a vehicle we previously owned. 
We are hereby providing proof of sale of said vehicle dated XX/XX/XXXX. ( XXXX XXXX XXXX XXXXXXXX ). 
Their attempt at collecting a debt is highly suspicious for the following reasons : - car was sold on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX as per check dated + Notice of transfer & release of liability ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX did not register sale with DMV yet transferred vehicle to XXXX XXXX XXXX on XX/XX/XXXX prior to doing any registration and abandoned vehicle following a parking violation (? ) - It would appear that XXXX XXXX XXXX sold a lien of said vehicle on XX/XX/XXXX and Pacific credit services is now attempting to collect for storage + towing fees that we do no owe. 
Our supporting documentation provides information on correct debtor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX, CA XXXX
Consumer complaint received 2023-03-28
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: EQUIFAX, INC. (VA)

I accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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 instructions
Consumer complaint received 2022-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (WI)

I have a fraud charge ( {$98.00} ) that US bank sent me a new credit card for, but never refunded me the money. Theyve told me multiple times they would refund me and they havent. Its been almost 2 months now.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I have been fighting to get my life straightened back around since I found out I was the victim of identity theft. This has been doing really well with my disputes aside from one from XXXX. From my research online, it appears to be some sort of pay as you go type of charge account. I have sent XXXX XXXX theft avadavat letters which none have been responded to as required by law. I am unsure how the credit bureaus are getting any verification from them, when they are not responding to me, unless the investigation is truly not happening. I finally was able to get communication from XXXX via email in which they found the account did not belong to me. I supplied this information to Experian and XXXX on my last round of disputes and it still has not been removed. I am not sure why this incorrect information is intentionally being left on my credit file even though the creditor itself states that it is incorrect and Experian and XXXX was supplied this information. This incorrect information is causing pernicious mental and financial harm to my family and needs to be removed immediately.
Consumer complaint received 2020-10-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NH)

In late XXXX 2020 I applied to Quicken Loans to refinance my home. After the formal application was made and I complied with all documentation requests, I was pre-approved for the mortgage. In early XXXX, about ten weeks after my application was first processed, I was told that my loan application was denied and that I would not qualify for a loan, because I did not meet XXXX XXXX qualification criteria. 

At issue : I hold more than 25 % of the stock in an independent C-Corporation, and that corporation has a negative balance sheet. Quicken Loans is suggesting that having stock in an independent C-Corp with debt is somehow a financial liability to me, which is not the case. That stock is actually a tremendous asset, based on a recent company valuation. For the record, I'm not trying to use that asset in any way to qualify for the loan. 

I have contacted XXXX XXXX and researched their guidelines, and do not see any guidelines that Quicken Loans could be enforcing, but I'm not a lending expert and I can't say for sure that such a guideline doesn't exist. I believe that either XXXX XXXX, or more likely, Quicken Loans is engaging in an unfair business practice that is unjustified, inappropriate, makes no sense, and discriminates against consumers like myself. I spoke at length with several Quicken representatives and ended up speaking to XXXX XXXX, Need Resolution Advocate ( XXXX ). XXXX, like his colleagues, could not explain any rationale for the criterion that they used to disqualify my application other than it was based on either an internal interpretation of XXXX XXXX guidelines, the XXXX XXXX guideline itself, or both. 

I believe either Quicken Loans is misrepresenting the XXXX XXXX guidelines and employing unfair lending practices, or the XXXX XXXX guidelines are inappropriate and unfair to consumers. Either way, I have been harmed by this unfair business practice and I believe other consumers will be or have been harmed as well.
Consumer complaint received 2022-07-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (SC)

in XXXX or XXXX a women claiming to be sales person for XXXX XXXX came by our home which is also our listed place of buiesness i was on a phone call inside my husband and partner outside working with our employees> who are were also witness to the meeting> my husband and i both told her the same thing we have internet with XXXX a private foirm no contract and we are happy with them and not interested she acted as if she just wanted to rest and stay cool for a min and myself and an employee talked with her and finally i told her i needed to get bnack to woerk we had two customers dropping there trailers off to get work and i dont do just paperwork and i appologized. the next day boxes arrived from XXXX like they had already been ordered and were sitting on my porch i calleed XXXX and told them the needed to deal woyh picking them up and i wasnt accepting them and the situation and a XXXX guy picked them back up next thing i know i have been rebuilding my credit after my exhusband unknowingly to me ruined my credit so my current husband and i can purchase our first home> we are going on a year of disputing the charges through the credit bureau and charter having them removed and then the collection agency putting them back on my credit. this has caused irrepuobal damage to my relationship and my credit as well as kept us from being able to move from a really aweful living situation that has gone so far now as to my husband was just XXXX right ouside our home but a family of XXXX people were at any given time they had XXXX people XXXX on my husband his XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX  and body> we live in a small XXXX town and it is hard enough finding in our up and coming town land and a home even less so when your credit cant be improved> please help us and if i am not mistakjen this is also on my husband XXXX XXXX XXXX report and our buiness report> THanks XXXX XXXX XXXX Owner operator and XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 Balance : {$12000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$590.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX Balance : {$7600.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX {$300.00} XXXX XXXX XXXX  XXXX Balance : {$3600.00}
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX {$900.00}, XXXX XXXX XXXX XXXX {$110.00}, XXXX XXXX XXXX XXXX {$6200.00}, XXXX  XXXX  XXXX XXXX {$8500.00}, XXXX XXXX XXXX XXXX XXXX {$1100.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX {$0.00}. Each of these accounts are on my credit report. I have not applied for any of these accounts listed on this statement. I have spoke with an creditor for each of these accounts. Nothing has been done, I also have another unauthorized account on my report, the creditor name is unknown XXXX XXXX {$5900.00}. I have never used any of these accounts.I have never applied for these accounts.
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX/XXXXXXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2015-05-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (WA)

Green Tree Loan Servicing unable to accurately account for our mortgage payments being made on time. Incorrectly reporting XXXX late payments this year when they were made within the established grace period. I can order my cancelled checks proving that. However, the loan history from their website I downloaded and attached here. 

Extremely difficult company to work with, and very rude.
Consumer complaint received 2015-03-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (TX)

The debt, Belk account was settled and paid with a collection Agency, in XX/XX/XXXX and XX/XX/XXXX, with confirmation numbers and check numbers. I have sent this information to another agency who is trying to collect on the debt, each time I call to verify it 's been taken care of and collection attempts to stop, I keep getting information that is incorrect. The original debt collection agency was XXXX XXXX. I was told on more than one occasion that they could not give me any information because it was archived and they gave me other phone numbers to call. One was the original credit card company and when I called their number the recording stated that they were not taking calls at this time. This was on a Thursday, before XXXX CST. Finally I was able to get in touch with their dispute department, via internet and email, I did get a response that the debt was paid in full along with the account number. I am still having issues with the NEW Collection Firm.
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2015-09-01
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: SYNCHRONY FINANCIAL (NY)

The eye glass company was told to not complete my order, but they did anyway, and are now trying to collect even though we never received the glasses. Now the loan company the store does business with is contacting me all of the time and harassing me.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I recently checked a copy of my credit file and unfortunately found that some of my personal information was incorrect. Please delete the inaccurate information from my credit file within the next 5 days. I will be thankful. I know that you have up to five days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have attached the document about my personal information that you incorrectly reported and should be deleted immediately.
Consumer complaint received 2016-03-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc. (CA)

Received phone call from XXXX XXXX. I did find out that this is a residence phone number. 

Guy wanted the last XXXX of my Social Security number. Would not identify himself or the supposed company for which he was trying to collect a debt. He did have my name and phone number. 

I filed a complaint with the FCC which referred me to the FTC who referred me to you.
Consumer complaint received 2015-06-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (MI)

I just got a notice from a debt collector claim I owe {$120.00} but I can settle for {$44.00}. I dropped sprint in 2006 for bad service and bill was paid. Also, there is a statue of limitations. I do not owe this debt and it should be on my credit report. This company has not verified the debt. Also, the debt collector did not address what to do if this debt was not valid.
Consumer complaint received 2022-02-04
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: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX