davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-13
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX  CA XXXX ; XXXXXXXX XXXX  XXXX .... Balance : {$50000.00} ; XXXXXXXX XXXX XXXX XXXX .... Balance : - ; XXXX  XXXX XXXX XXXX .... Balance : - ; XXXX XXXXXXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Omni Financial Corp. (GA)

Currently in federal litigation with XXXXWORLD OMNI FINANCIAL. Consumer reporting agency transferred me over 5 times after they saw the lawsuit. Company didn't honor cease and desist, company didn't validate information, federal lawsuit was done when inaccurate information was posted to my consumer report without permission.
Consumer complaint received 2022-07-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (GA)

my loans started with XXXX and have recently been transferred to Aidvantage who is mashandling my loans and misinforming me of my rights. I had an IDR plan with XXXX that started XX/XX/XXXX in the amount of {$39.00}. i paid this until XXXX when my loan was transferred to aidvantage. in XXXX aidvantage charged me XXXX instead of the IDR XXXX when i inquited the associate was not sure why i was charged this amount as the rest of my payments were listed at the XXXX. I decided at that point to continue with the government defferment as money was tight. I recently went in to check my account due to the restart in XXXX payments. they are charging me {$210.00} XX/XX/XXXX and XX/XX/XXXX, and then reverting to the {$54.00} for the remaining months through XX/XX/XXXX. I called to ask about the error and was told there was no error, they can change the amount at any point and that I have to re certify to resolve the issue. I told the associate that they could not change the terms on my idr until XX/XX/XXXX per their own website. I then read them the terms listed on the FSA covid idr announcement and was told those did not apply to me. I asked for a supervisor, they forwarded me to a XXXX. she called me 30 minutes later and immediately hung up with out talking to me and has not reached back out. they are trying to bully me into recertifying instead of honoring the terms laid out by FSA.
Consumer complaint received 2021-10-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (AZ)

I am a consumer pursuant to 15 U.S.C 1681 ( c ), you are a debt collector pursuant to 15 U.S.C 1692a ( 6 ). To my understanding all credit reporting agencies get their information from the same company sourced as the original creditor. The inaccuracies being reported are detrimental to my credit capacity, credit worthiness, and credit standing. XXXX has investigated this dispute and removed the error immediately. If all credit reporting agencies retrieve their information from the same original creditor there should be no misinformation.
Consumer complaint received 2021-10-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

To whom it may concern : Please see attched documents from my attorney that states the incompetence, unethical practices, Omission of errors request of back dating legal documets. Sending documents to wrong address advised 3 to 5 times to recently after over a year they send a certificate of change. a month ago Not trustworthy Omission of error verbally to my attorney and I to continue to make mistakes. Employee goes MIA foe over a week to call and state they put hold on Sherriff Sale when in doubt my attorney advised. Approved signed legal modification to request to back date documents. Dismissal avoidance of my attorneys communication. Almost lost my home one day before sale for their attorney as well said all is on hold when in doubt was not from SLS communication broken Buyer Beware read the reviews.. Now a conversation was done by my attorney and employee who has given omission of error to correct to again do wrong in communication. The employee was required to contact my attorney when in doubt I did a conference call for him to hang up and state he called him did not. Trial Period done successfully. XXXX check sent back advised by employee we will update the numbers send a new updated modification agreement. I communicated with employee prior that you want a notarized approved modification and requested to back date on one form when notarized legally he said yes. Then he stated donot send any checks we will correct. Apologized to my attorney at time he is and was prior furious at their business ethics. To send a new application when in doubt approved modification made payments etc. They are trying to cover their erroneous behavior. XX/XX/XXXX again is my XXXX sale that needs to be put on hold by SLS again SLS has avoided my attorney to now action must be taken it is SLS responsiblility and they are accountable for their unethical practices. Received correct approved modification last month asked to back date.. made payments now I am to do a new application when in doubt it is extremely unethical. I requested all in writing they will not put anything in writing they know their omission have been acknowledged by SLS. Buyer beware..They have no concern of the borrower. In this pandemic XXXX over have passed on and they are now trying to take advantage of people for their benefit of loss which in doubt is not allowed and against all premises. The emplyee has gone MIA again he stated all was done and nothing was. They have called emotional distress at the same time apologize and continue to do unethical practices. Approved Modification never sent documents to send to be notarized in XXXX to ask to back date unethical than when in fact the internal office had no idea of dates then to send XXXX approval in XXXX correct modification. Nothing has been done correctly denied avoided and now apologizes hoping that will satisfy when in doubt continues to do unethical practices Buyer Beware. No missed payments as per Trial period
Consumer complaint received 2021-12-07
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: Experian Information Solutions Inc. (MI)

All three ( 3 ) CRAs are continuing to run my disputes regarding the inaccurate information supplied by XXXX through the XXXX automated system, which simply updates data n credit files without verifying the accuracy of the information supplied by the data-furnisher. 

This process does not ensure the accuracy of the information and ignores the submitted documents, leaving the investigatory operations and document review entirely on the data-furnisher. 

That is, the CRAs are not conducting an independent investigation that evaluates the documents submitted. Submitted documentation is thus discarded by the CRAs in favor of " trusting '' the informatino supplied by the data-furnisher. 

The CRAs are supposed to conduct thourougha dn impartial evaluations of ALL documentation submited with a dispute and to conduct their investigation that reviews the documents submitted. By ignoring the documentation, or leaving it to the data-furnishers to inspect the validity of supplied documents, the CRAs are violating basic principles of due process -- it harms consumers.
Consumer complaint received 2024-10-11
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: Experian Information Solutions Inc. (NJ)

I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally XXXX XXXX Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

On XX/XX/27 I sent a 609 letter to each bureau, XXXX, equifax and XXXX  on behalf of inaccurate information reporting on my credit report. I have not received any response from neither bureau. Please investigate on behalf of my disputes sent on XX/XX/27. Thank you.
Consumer complaint received 2020-07-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (SC)

To whom it may concern, I would like for your company to look in to this matter for me. I have been trying to solve this issue for a few years and just I got some information to reach out to you all. Back in XXXX the house we had was financed through XXXX, and the land was attached to the house as well. During the flood of XXXX the house was totally demolished, nothing was left of the home, nor was the home salvageable. FEMA and SBA ( SMALL BUSINESS ASSOCIATION ), financed the new home we are in now after being homeless for 2 to 3 months. The matter is XXXX would never give SBA the  pay off information, even though it was a check cut for the account to be paid off. we wrote letters, called, we went through measures to get them what was needed. We have not, or ever been behind in any way with XXXX. after 45 days of trying to communicate with them ( XXXX ), SMALL BUSINESS ASSOCIATION, close the loan so that we would not remain homeless. they sent the loan to SPS ( SELECT PORTFOLIO SERVICING ), whom I have tried to communicate with for years now, and to no prevail with them as well, the sent me a letter for a Right to Cure. I have reached out to several companies, lawyers, and friends never be able to solve this problem with them either because as I said to them XXXX dropped the ball and passed the mess to them in the amount of XXXX of rears payment but totaling XXXX XXXX, 0.25 acres do not cost that much and I hope that you all can help. The right to cure date is XX/XX/XXXX thanks
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, US DEPT ED account # XXXX, XXXX account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX  XXXXXXXX XXXX account # XXXX, XXXX XXXX account XXXX XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXXXXXX account # XXXX, XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, 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 an account without my written instructions.
Consumer complaint received 2023-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NM)

This XXXX XXXX XXXX XXXX XXXX ) XXXX card financial institution was changed from XXXX to Comenity Bank in XX/XX/XXXX. ( As background ) on XX/XX/XXXX, payment of {$230.00} was sent via XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Tx XXXX. The payment was credited to my XXXX account and debited from my XXXX checking account. On XX/XX/XXXX, payment of {$2600.00} was sent via the same bill payer service to the same payee at the same address. The status of that payment currently is Delivered in my bill payer account. The payment was due on XXXX XXXX XXXX Per the bill payer the payment should have been received no later than XXXX  To date my account has not been credited. I have been informed that late penalties have been assessed and a status of overdue has been assigned to my account. 
In addition, I have called Comenity Bank Customer Service multiple times in attempts to obtain access to their website. Ive spoken with five representatives and still havent been able to access the website. 
Ive written a letter disputing the overdue status and late fees. Ive notified XXXX XXXX XXXX and XXXX. 

Ive been told by XXXX that many people have contacted them with the same complaints.
Consumer complaint received 2024-10-11
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: Experian Information Solutions Inc. (FL)

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX XXXX XXXXXXXX Dear CFPB, I am writing to formally file a complaint against XXXX XXXX XXXXXXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX XXXX XXXXXXXX XXXX Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX XXXX XXXXXXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA. 

Request Therefore, I request that the CFPB investigate this matter and require XXXX XXXX XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-05-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV INC. (AZ)

I received two letters the same day from a company name TRS recovery services listed with their logo on the letter. This is the first time I have heard of this company and the first contact I have received. In the letter they are claiming I owe a debt from XXXX XXXX XXXX the principle amount stated in the letter is {$14.00}. Transaction date on the letter is XX/XX/2021 with a transaction number of XXXX. The company is claiming that the return reason is hold on funds in account. They are charging a {$25.00} returned item fee which makes the total amount {$39.00}. On one letter the reference number is XXXX on the second letter there is no reference number. I have contacted XXXX and they have informed me that I do not owe them anything, my bank has verified that no funds are on hold and none of my payments has been returned. It is to my knowledge that this company is making a false claim and committing a scam.
Consumer complaint received 2022-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 XXXX XXXX XXXX XXXXXXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2021, XXXX XXXX Balance : {$3600.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$12000.00}, XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX - XXXX ) XXXX XXXX XXXX {$2500.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00}
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

XXXX unfairly denied access to thousands of my own XXXX funds I desperately need to access in order for to attend work, provide housing and food for my child after they were repaid for an overdraft caused by illness. The illness was caused by severe XXXX XXXX  furthermore caused by a XXXXXXXX XXXX at work case that is going through litigation yet. 
XXXX refused to assist and management was unavailable and inaccessible to help.
Consumer complaint received 2021-05-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC (CA)

On XX/XX/2021 I opened a cryptocurrency exchange account with Gemini Trust Company , LLC. I sent in the requested documentation for verifying my identification and was expecting to get notified that the process had been completed within the next 24 hours. By XX/XX/XXXX I sent in a support request to see what the hold up was but received no resonse. Come XX/XX/XXXX XXXX still had not heard back from them but figured they were very busy. I deposited {$200.00} on XX/XX/XXXX and {$200.00} on XX/XX/XXXX. On XX/XX/XXXX, XXXX, XXXX, and XXXX I sent out more support requests but did not hear back from the company regarding my ID verification. At this point I can not deposit any more money nor withdraw any money or crypto because my ID has not been verified. I am concerned I will lose access to my money and since I have not heard back from anyone representing the company I do not know what to do. Please help me get in touch with them to resolve this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NM)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.