davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (TX)

At this time I do not wish to be contacted by phone, only by mail for this listed creditor. I am also requesting an accounting of indebtedness I owe, so that I can make a solid single payment offer to settle the business between the parties. This is an official cease and desist all communications except by regular mail or through my email listed within the CFPB portal. Thank you.
Consumer complaint received 2020-06-10
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. (DC)

I am needing to move out of my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion and viewing my XXXX XXXX report, I learned that I was not able to get the apartment due to multiple accounts that are not mine. XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, Unknown Acct # XXXX, Unknown Acct # XXXX Unknown Acct # XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
I also noticed that these Student Loan Accounts were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : XXXX XXXX XXXX Acct # XXXX, DEPT OF EDUCATION/XXXX Acct # XXXX, XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX. These 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.
Consumer complaint received 2021-12-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (PA)

Spoke to XXXX  from relia card she won't credit provisional the account for a dispute where it is infact in the card agreement that they have 10 business days to do so section 17. subsection D. I would like to have a provisional credit asap.
Consumer complaint received 2021-11-12
Product: Vehicle loan or lease — Title loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bridgecrest Acceptance Corporation (TX)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (MA)

In 2018 the entire loan amount I carried with Navient was paid in full and somehow the account is showing as closed. Paying the debt off was incredibly difficult as they did not offer many options for payment in full and methods of doing so. 
Secondly, I was serving in the XXXX XXXX XXXX during the times that Navient denied me any benefit to repayment options or anything of the like they claimed to offer service members. Instead they marked my account as being in forbearance which further delayed the proper repayment of my loan, furthermore tacking on unnecessary fees et al toward my principle balance due. My credit score continues to suffer even today given Navients blatant malpractice and predatory loan procedures. The loan has been paid in full for years now. It now shows on my report as closed and has continued to destroy my chances and hopes of providing a home for my young children given the constant negative remarks and false information added even to this day. 
I ask for justice not just for myself but for my children who deserve a home of their own. We have moved often in order to give them what they need and deserve and they deserve to have a home. A true home. My husband and I have worked very hard serving our country and the people of this country on the civilian side outside of our military duties for years. This is grossly unjust behavior and incredibly unfair. 
Navient, among other predatory loan establishments should be held accountable for the life long damage they create for the people of this great nation. The price I expected to pay for a higher education in this country has quadrupled in the negative effect and horrible toll it has taken on not only me but my family. 
Please do something about this. I plead for your assistance in changing this for not only myself and my family but for many many other families suffering at the hand of Navient and their predatory practices. They should not be allowed to continue preying on young Americans hoping for a better future. 
Thank you for your time and good day. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-07-15
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 — Problem with personal statement of dispute
Company: U.S. BANCORP (FL)

Good morning, I was stunned to see that Flagstar Bank/Elan Financial Service has reported me late for XXXX, XXXX, XXXX & XX/XX/2020 last year even though I had requested due to covid a loss of income to work out an agreement with them. I have never paid late if they reviewed my account they will see I have always been on time with the exception of when I was seeking help in XX/XX/2020. I had spoke with an agent whom enrolled onto the Hardship Program however I was told to make the payment in XXXX which I did as the XXXX Statement was already closed. I had received a call late last week of XXXX and was told I was due I immediately called back and requested a supervisor whom saw my prior conversation however the agent had erred in not providing the correct information so I thought everything was fixed. Every single month since then I have made my payments with no hiccups until I found out when applying for a house loan that they have been reporting me late for XXXX, XXXX, XXXX & XX/XX/2020. If you look at my attached XX/XX/2020 Statement which covered opened date : XXXX thru XXXX you will noticed that it clearly states Past Due : {$0.00} as well as for XX/XX/2020 Statement which covered opened date : XXXX thru XXXX that also reflects Past Due {$0.00}. 

I had called and spoke with several agents and none of them wanted to provide me with the Hardship letter from XXXX I tried to explained thoroughly that if I had defaulted then why were my latter statements reflecting the update but the two prior statements have not been fixed they were very argumentive and basically told me you defaulted the very first month I had advised to them the conversations are recorded pull up my XXXX phone call where the supervisor prior had acknowledged they had screwed up but this supervisor from the hardship program or Elan was very rude and nasty and would not provide to me my legal right of that letter.
Consumer complaint received 2023-03-24
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. (MN)

XXXX XXXX XXXX. XXXX. XX/XX/2020 The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Freedom Mortgage Company (DE)

XXXX and XXXX  are not displaying my mortgage payment history correctly since XX/XX/XXXX through XX/XX/XXXX. I had a forbearance with Freedom Mortgage during that time due to the pandemic, Freedom has received a a lump sum and consistent payments since XXXX XXXX Freedom mortgage states that they are reporting as current, the two agencies says yes l am current however no data show for the months listed above and l am unable to get a fair and accurate rating for my report. I want my credit report to be given that same energy as if l was late.
Consumer complaint received 2021-02-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Loan Center, Inc. (MN)

I am interested in refinancing my mortgage. I saw an ad for Lending Tree online and filled out a form to have some lenders reach out to me about the possibility of refinancing. I did not realize how many calls I would get or who Lending Tree would sell my information to. I will never do that again! I started getting around 20 calls a day and many were repeated throughout the day. 

My compliant is that I believe my information was also sold to fraudsters. After filling out the form, I started getting calls that the SSN administration had an officer of the law that needed to speak to me. Or that I was going to be arrested if I did not press 1 to speak to an officer of the law. 

I can't prove it, but, these calls came out of no where and were incessant after I filled out the form on Lending Tree. I believe Lending Tree sold my information to fraudsters.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

In XXXX, I had a legal name change through the Court. I changed my first, middle and last name. I have a new REAL ID State Driver License, Social Security Card, bank account/debit cards, utilities and even my phone account in my new legal name. I have XXXX  American Preference on file with the XXXX XXXX XXXX XXXX, a Certified Degree of XXXX Blood card through my respective XXXX XXXX ( issued through XXXX XXXX XXXX XXXX also ), tribal membership, United States voter registration, Tribal Voter Registration, my State hunting and fishing license all also in my new name - all issued with NO PROBLEMS. I've even had an OSBI criminal history check successfully submitted for housing application with no issues ... ... ..Yet even after all that - the credit bureaus, since XX/XX/XXXX, have refused to update my information. First they told me that if the Social Security Administration has my new name on file and I have the new card with the new name, then I have no problems. Then they told me that is not true. Now I can't do anything - even get through their phone systems, as they all blocked my number and told me I have to write in to do anything from now on. They have refused to update my information repeatedly, and this has gone on for 8 months with no resolution. I have written letters and submitted complaints with absolutely no response. In addition, there is incorrect information on my reports, names that are NOT me and things I never applied for on my credit reports, but because they have blocked me from calling them, I can not do anything to protect myself at all. One credit report said I applied for a credit card in XXXX - and I have not. Same one also said I purchased a vehicle through a loan in XX/XX/XXXX, which is impossible, as I am in bankruptcy! Now I am worried about identity theft on top of it all and no one will help me a single bit.
Consumer complaint received 2022-06-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

this is my 3rd complain regarding bank of america unauthorized transactions i reported to bank of america on XXXX a total of {$160000.00}. the claim was denied on the XXXX after i was told they will investigate it and issue me temporary credit so i can stay open and pay bills that are due. my bank account has been cleaned out. i filled an appeal on XXXX the appeal was denied the next day. i appealed again on the XXXX it was denied the next hour. i asked them why are they denying my claim and i am on the verge of loosing business. they said i was sent 3 text alerts about unusual activates, i told them i did not get the alerts, fraud team said i responded to the alerts, yet i still didn't get them or respond to the alerts the manager i spoke told me if i can prove that i didn't respond to the alerts and fax it to them with another statement they will reopen to claim and issue temporary credit until they further investigate the claim. i logged into my XXXX XXXX XXXX account and showed sent them all the text messages incoming and outgoing and not one of these alerts were responded to by me. it does she the alerts were sent to my number but no outgoing message confirming the unusual activity was sent back to bank of america. thats because didn't receive the alerts. i showed them i have not been able to access the XXXX XXXX or my account. they keep telling me that i authorized the transaction or someone on the account did. well there is no one else on the account or had access to the card. i have no clue what to do because i cant get them to do anything. I get told something different every time i call. and your so called escalating the claim and the min i hang up and call back right away and ask the has my claim been escalated i get told the escalation was closed a few mins ago, so the term escalation in bank of america unfaXXXX practices means close the claim?? is that what the word escalation means?? i am telling you that my business is ont he line and i had to deal with a family member passing away on XX/XX/XXXX a car gets stolen from the lot on XX/XX/XXXX and i was sick in XXXX for 2 weeks and now my business bank account is drained out and i am getting told by the bank that my claim will not be investigated or honored and telling me that i am lying and i did authorize these transactions. lets not mention the fact that everytime i call in witch is daily since XXXX i get told something different every time i speak to someone. please help me resolve this before its too late. i am losing my floorplan companies and my customers need tags and title work done, i just received a little from the florida debt of revenue regarding taxes and that will suspend my tax id and charge me with criminal charges for not paying taxes because i have XXXX money in the account and my bank is not doing there job so please do not ruin my life its already tough enough. i need this fixed ASAP
Consumer complaint received 2020-12-18
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. (GA)

XX/XX/2020 Received response letter from Transunion stating that they refuse to reinvestigate public record : Chapter XXXX Bankruptcy. Transunion stated unless consumer provide additional information such as letter from creditor or courthouse they are not required to reinvestigate the same item at this time. I have enclosed a letter directly from the courthouse stating that they do not furnish, provide, report, or verify bankruptcies with the Credit reporting agencies, vendors and third-parties. ( Transunion can review the letter enclosed as an attachment in this complaint. ) Transunion stated in their response letter that it is their goal to maintain complete and accurate information. ( I have provided a XXXX  document showing the comparison of how the bankruptcy is being reported inaccurately across all three bureaus. ) Items reporting on a consumer 's credit report must be reporting 100 % accurate across all three bureaus via the Fair Credit Reporting Act. If an item is not reporting 100 % accurate across all three bureaus the item must be deleted from the consumer 's credit report.
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (GA)

ATTN : EXECUTIVE OFFICE AFFIDAVIT OF TRUTH Notice to all, I am that I am, the consumer in fact the natural person original creditor, lender, executor, administrator, holder, in due course for any and all derivatives thereof for the surname/ given name XXXX , XXXX , and I have been appointed and accept being the executor both public and private for all matter proceeding and I hereby claim that I will d/b/a XXXX XXXX and autograph as the agent attorney in fact so be it. 

Where as, I of age, of majority, given this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that maybe, and I depose the following facts, so be it, now present : Fact, The FAIR DEBT COLLECTION PRACTICES ACT is intended to secure my right to privacy and my privacy has been breached so be it. 



Fact, Pursuant to 15 USC 1681 ( B ) ( 2 ) I am requesting that your company produce a contract with my signature granting the permission to furnish these accounts to my consumer report. Pursuant to 15 USC 1681 no consumer report shall include factual information or credit transactions. Your company is in violation of Federal Law. Due to identity theft these fraudulent accounts have damaged my credit worthiness. 

I did not authorize the following accounts : - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX  XXXX - US DEPT OF ED/XXXX  Fact, I am sure the removal of these accounts from your company records or any and all derivatives therefore of and or with any affiliates will ensure my privacy rights will not be violated again due to my lack of consent and this herein unrebutted AFFIDAVIT OF TRUTH being serviced to you today and therefore standing as truth in commerce so be it. 

Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your website in order to avoid me receiving further injury, damages, XXXX XXXX, and losses due to me being a victim of identity theft, so be it.
Consumer complaint received 2020-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2022-04-20
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. (MD)

In accordance with the Fair Credit Reporting Act the following accounts has violated my rights : - XXXX XXXXXXXX  Acct # XXXX - XXXX XXXX XXXX Acct # XXXX - XXXX XXXX Acct # XXXX - XXXX Acct # XXXX - XXXX Acct # XXXX - XXXX  Acct # XXXX - XXXX Acct # XXXX - XXXX Acct # XXXX - XXXX XXXX XXXX  Acct # XXXX - XXXX XXXX XXXX  Acct # XXXX - XXXX XXXX Acct # XXXX 15 U.S.C. 1681 Section 602A states, I have the right to privacy.

15 U.S.C. 1681 Section 604A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-11-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Momnt Technologies, Inc. (MD)

On XX/XX/year> I contacted the company via email submitting a complaint and requesting the company refund money to the loan for services not rendered. The company confirmed receiving my email and provided me with a ticket number. I have yet to hear back from the company regarding my complaint. Ive called several times to no avail. The loan was issued for a home renovation project, the company XXXX XXXX XXXX XXXX referred me to Momnt for the loan. Momnt is aware of the pending legal action Ive taken against the company for fraud, however, they havent reached back out to me nor followed through to protect me as the consumer. 

Below are important identification numbers : Ticket number- XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.