davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-21
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)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, US DEPT OF ED/XXXX. 
Company Inquiries XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-21
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. (FL)

I just received my investigation back from TransUnion. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681 ( I ) ( 7 ). Because the account listed is not accurate, the docket number is invalid and TransUnion has not updated their report since XX/XX/2021. This account is not reporting 100 % accurate. ACCOUNT NAME : XXXX BANKRUPTCY/ DOCKET NUMBER : XXXX. 
TransUnion did not modify or delete the inaccurate information on my consumer report, nor did they send the results of their investigation according to 15 USC 1681i ( 5 ) ( A ) ( i ). 
I attached a consumer report as evidence.
Consumer complaint received 2022-12-07
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Applied Data Finance, LLC (MO)

Loan originated with Personify Financial. This company XXXX XXXX XXXX XXXX XXXX XXXX XXXX - advised me that it was sold and they were collecting for the new account owner. Their phone number is XXXX. 

After XXXX contacted BOTH my brother and sister-in-law via phone, I immediately contacted them at XXXX XXXX on XX/XX/2022 and advised that I wanted contact to CEASE - I identified myself so they had established contact and no longer had reason to contact ANYONE ELSE. 

I advised I am on XXXX XXXX  and offered a settlement of {$1000.00}. They refused and even said " just say you refuse to pay '', trying to bait me into saying something that is untrue. 

At XXXX XXXX on XX/XX/2022 they called my mother 's phone number - XXXX - in yet ANOTHER skip-tracing effort. Ihave already established contact, advised C & D, and they STILL called a relative. 

I have enclosed a screen shot of my phone call on XXXX from MY number XXXX, that shows I spoke with them for 17 minutes trying to get something resolved. I was passed to a supposedly more experience person who was just more abusive than experienced - she was the one who kept saying " just say you refuse to pay ''.
Consumer complaint received 2020-05-21
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation (FL)

I am a veteran of the United States XXXX and have a mortgage with Home Point financial that is backed by the VA. I now work in the XXXX industry in Florida as a XXXX. When the shut down happened my industry and my job were furloughed. As a result I had no income for 2 months and am just now getting back to work at limited capacity which has negatively affected my income. I heard about the forbearance under the CARES act and contacted my lender on XX/XX/2020 to ask for the assistance. I spoke to XXXX XXXX and was advised that I did not qualify because I was already in foreclosure due to my divorce. I was told I would have to submit a loan modification package for review. I explained I have no income and do not know when it will return. I was told to send the package. On XX/XX/2020 I read this clause in the CARES act : The CARES Act directs that servicers of Federally backed mortgage loans grant the forbearance upon a borrowers affirmation of hardship caused by COVID-19 without additional documentation, fees, penalties or interest for up to 180 days. This initial period may be extended for another 180 days upon the borrowers request. The grant of forbearance is not discretionary. 
I then explained that I did not have to submit additional documentation and they did not have discretion to reject me. XXXX ID XXXX refused and said I would have to apply for a modification. I then came here for help as I feel my lender is not being fair.
Consumer complaint received 2022-10-31
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. (NY)

My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2020-05-21
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. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.
Consumer complaint received 2020-05-21
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3400.00}, {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -OPEN ACCOUNT- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 


-CLOSED ACCOUNT- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.
Consumer complaint received 2022-10-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: General Motors Financial Company, Inc. (CA)

We financed a new XXXX XXXX through GM Financial, and we have not received the vehicle. They keep postponing the delivery date ( 3 months now ). It allegedly is 30 miles from our house. We have made three payments already.
Consumer complaint received 2020-05-21
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (OH)

NAVIENT STUDENT LOANS HAS BEEN CALLING ME A HARASSING AMOUNT OF TIMES ( OVER 5 TIMES A DAY ) FOR THE PAST 2 WEEKS FROM DIFFERENT NUMBERS. I WILL TELL THEM NOT TO CALL AS I AM AT WORK AND THEY WILL CALL RIGHT BACK AS IF IT IS FUNNY. TODAY XX/XX/2020 I ASKED WHAT SHOULD I DO JUST XXXX XXXX, WILL THAT MAKE THIS ALL STOP OR WILL YOU BILL MY SURVIVING FAMILY? XXXX THE SENOR RELATIONS MANAGER SAID NO, YOU HAVE NO CO SIGNERS SO THAT WILL STOP ALL COLLECTIONS ... AS IF TO RECOMMENDED THAT I SHOULD XXXX XXXX
Consumer complaint received 2020-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: States Recovery Systems, Inc. (CA)

I submitted a dispute the debt listed on my reports was never proven or verified as mine. Electronic signatures do not hold up as legal documentation in the court of law. 
XX/XX/XXXX certified mail via USPS I submitted : CA acknowledgement ; Notary 's Cert of Service ; Presentment under Notary Seal ; & an UCC 11 Lien Search showing no debt or liens in commerce nation wide. 
STATES RECOVERY SYSTEM/XXXX : XXXX Amount {$890.00} Fraudulent account and it isnt mine. 
Im a senior citizen an I have been living with my son since XXXX in his home. So how could i possible open an account for Utilities in XXXX?
Consumer complaint received 2022-10-21
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (WA)

Afin Collections Incorporated mailed a collections notice with its account number XXXX dated XXXX XX/XX/XXXX regarding a {$1100.00} debt from XXXX XXXX XXXX XXXX the original creditor, with account number XXXX. A collections specialist informed me the account was open from XX/XX/XXXX to XX/XX/XXXX and went to collections in XX/XX/XXXX. Afin Collections then reported the unpaid as collections to all credit reporting agencies in XX/XX/XXXX. 

In a XXXX XXXX telephone call I stated to the collections specialist someone had committed identity theft with my social security number, an old telephone number and billing address to open a fraudulent mobile account. I stated that I did make a police report about my stolen property which contained my personal information. I also stated it was highly probable someone from XXXX XXXX XXXX gained access to personal information from an old application for credit. 

Later that day, I made four attempts to rectify the situation by telephone between XXXXXXXX XXXX and XXXXXXXX XXXX with XXXX XXXX XXXX customer service on XXXX XX/XX/XXXX. Each time I identified myself and requested to speak with someone that stole my personal information to open a fraudulent account, the customer service agents disconnected the calls. This direct action indicated XXXX XXXX XXXX has no intention of resolving the identity theft that resulted in a fraudulent account. 

The key issues originate with XXXX XXXX XXXX whereby an unscrupulous employee gained access to my personal information and used it to open an account. The information included a former landline number and social security number from an old account application that XXXX XXXX XXXX had rejected. Though my credit did not suffice to open an account by my own merits, someone at XXXX XXXX XXXX used my personal information to get service and run up a bill. 

To add insult to injury, XXXX XXXX XXXX ignored the fact there are security restrictions on my credit file to prevent identity fraud and theft. However, XXXX XXXX XXXX decision makers believe their company is too big to fail.
Consumer complaint received 2020-05-21
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: Experian Information Solutions Inc. (GA)

Remarks were added to all 10 accounts in response to my student loans being placed in an automatic forbearance due to the CaresAct. My credit score was drastically affected by this action. Credit scores were improperly damaged when their federal student loans were paused due to the CARES Act. Under the CARES Act, all federal student loan payments are paused as of XX/XX/2020 until XX/XX/2020. As a result, borrowers are not required to make federal student loan payments. Further, borrowers who do not make payments should have no impact to their credit score. Despite this law, my credit score was damaged anyway. 
I contacted the loan service company ( XXXX ) who stated that they did not make any changes to my loan account. I am not past due on any of the ( 10 ) student loan accounts listed. 
They are unable to explain the drastic credit drop at this time. Also contacted the credit bureau directly and they advided me to write a letter submitting a complaint. A letter was written and submitted to them as well.
Consumer complaint received 2020-01-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BMW Financial Services NA, LLC (CT)

I contacted BMW Financial services around XX/XX/2019. They responded ( attached ) in a rather evasive manner. I am not affiliated with any Credit Repair companies and would appreciate a timely response into the matter originally inquired ( attached ) .Please do not contact me by telephone and communicate in writing only please. This is the second Cfpb complaint I have had to file about this company ( 1st one XXXX )
Consumer complaint received 2020-05-21
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: Experian Information Solutions Inc. (MI)

I am disputing inacurrate information on my credit report and I submitted 3 disputes to Experian. I do not believe that my legal right to dispute by mail was handled properly. I was sent a letter that said my dispute was suspicious. How is a dispute about inaccurate information that has my ssn on it suspicious? The letter also said it would not investigate anymore of my disputes that look suspicious. There is nothing about my dispute that was suspicious and I was requested to call or dispite on lineand I don't want to do that. 

The accounts I disputed was : XXXX XXXX XXXX- XXXX I don't owe these people XXXX XXXX   XXXX I don't owe these people XXXX XXXX XXXX Inaccurate payment history
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

Since Covid19 CARES at placed all student loans on hold until XX/XX/2020 my loan company XXXX placed remarks on all of my loans on my credit. My score dropped 60 points due to this. There is comments of remark removed but that does not clear the report that they reported me and late and does nothing to fix the 60 points my score dropped. I have contacted them by email and phone with no answers. This is disgusting and they have never acknowledged this or even told me that this was happening to my credit. Not an I'm sorry or we are working on fixing this. Who is going to fix my credit score? There is no option to dispute what they wrote on my credit. 
Im XXXX. I have worked so hard to repair my credit and get it to good standing and XXXX destroys me and my score and is hush hush. Fix my credit score and completely REMOVE the notes from my credit scores!
Consumer complaint received 2020-05-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

i have tried to open a BANK OF AMERICA checking account but ive been told that supposedly ive had an account but it was closed which i dont recall doing.thats ridiculous because if i had opened an BOA checking account i would of had a debit card or knew something about it.maybe it was fraudulently opened
Consumer complaint received 2022-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (OK)

First mail to collect account from XXXX notifications to XXXX XXXX for XXXX death.. 
Request XXXX  be closed.. XXXX requested equipment be-sent back.. received package to box up equipment.. Took the equipment to drop off XXXX near by.. Box would not completely enter in to drop box..Do not know what happened to the equipment after drop off.. 
Ordered XXXX XXXX XXXX of XXXX after closing XXXX XXXX account.. 
Never received a final bill from XXXX, just this debt collection notice..
Consumer complaint received 2020-05-21
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. (GA)

on XXXX XX/XX/XXXX, sent the XXXX a letter asking them to investigate some erroneous information on my credit report ( see letter attached ), they never responded to my complaint. I then sent them another letter on XX/XX/XXXX ( also attached to this communication ), still they never responded. Then of XX/XX/XXXX, they received i sent yet again another letter requesting that they block this fraudulent information from my report within 4 days as required .. and got no response ... ( see attached certified letter receipt ), i
Consumer complaint received 2020-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-10-21
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. (IL)

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 XXXX XXXX, Account Number # 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 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 reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Consumer complaint received 2022-05-18
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  these accounts DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, US DEPARTMENT OF EDU XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX and US DEPARTMENT OF EDU XXXX has XXXX XXXX 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 2022-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SLM CORPORATION (MA)

On XX/XX/XXXX or XXXX, XXXX I enrolled into a only interest program with Sallie Mae. I was calling to see if there was any other options since it's been a tough time for me when it comes to money. They basically forced me into this program because there was no other option. I pay XXXX dollars for 6 months. I was told there would be no negative effect on my credit score and the delinquent would not show up if I entered this program. I spoke to 3 different representatives and they all assured me it will not go on my credit score. Today I found out my credit score updated and im reported as a delinquent after they told me when I enroll into this program I won't be. I made my payments they requested which was XXXX dollars and my account will be in good standing with credit score. Not the case. It's on my credit report. I have proof I paid what they asked. I have my sallie mae account as proof and my XXXX XXXX XXXX statements.
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I settled my two XXXX XXXX credit cards. On my credit reports, they are showing settled for less than full however, balances are still reporting in error. 

Please correct the misreporting credit reporting data.