davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-04
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: Resurgent Capital Services L.P. (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-11-16
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: Rent Recovery Solutions (TX)

I've sent in letters dispute letters, to have unverified items taking off my report. I've contacted all the creditors and they where not able to verify the accounts. I've contacted the credit bureaus and nothing has been deleted. I have one XXXX XXXX XXXX XXXX with the amount of {$230.00} on my XXXX  report which hasn't been verified after I sent them a letter to verify my debt. On my XXXX  Report, RENT RECOVERY SOLUTIONS, LLC with the amount of {$240.00} was not verified and I need it deleted. On my XXXX report XXXX XXXX XXXX with the amount of {$1000.00} is unverified and should be removed since they didn't send the correct information to verify the debt, I was sent a letter with no signature saying that I signed for the debt and the amount was {$1000.00}.
Consumer complaint received 2022-07-23
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 Account XXXX XXXX  # 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 instruction
Consumer complaint received 2020-11-16
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've sent in letters dispute letters, to have unverified items taking off my report. I've contacted all the creditors and they where not able to verify the accounts. I've contacted the credit bureaus and nothing has been deleted. I have one XXXX XXXX XXXX XXXX with the amount of {$230.00} on my XXXX  report which hasn't been verified after I sent them a letter to verify my debt. On my XXXX  Report, XXXX XXXX XXXX, XXXX with the amount of {$240.00} was not verified and I need it deleted. On my TransUnion report XXXX XXXXXXXX XXXX with the amount of {$1000.00} is unverified and should be removed since they didn't send the correct information to verify the debt, I was sent a letter with no signature saying that I signed for the debt and the amount was {$1000.00}.
Consumer complaint received 2020-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (WA)

On Saturday, XXXX/XXXX/2020, I called for my balance around XXXX XXXX. I was told I had over {$1200.00} balance left. I went to the mechanic to pay for repairs on my car. At XXXX XXXX, I was told that I was denied. I called American Express and found out that they had lowered my credit limit right after I called. When I explained the situation, I was told that I could pay them over {$180.00} right there and then to get my old credit limit restored. I am warning others to beware of working with American Express. 

The facts are they lowered my limit after I checked my balance. And, they tried to blackmail me to restore the limits. This is not a reputable company.
Consumer complaint received 2022-12-15
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. (AR)

This is XXXX XXXX and I am submitting this CFPB complaint today to follow up the previous CFPB complaint I submitted requesting the removal of the fraudulent items off my Credit File. I sent a letter on XX/XX/XXXX, requesting them to remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to remove any accounts and information not later than 4 business days after XXXX XXXX. Ive already included this in my previous Complaints and I am including it again.
Consumer complaint received 2020-11-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (NY)

I recently moved from XXXX to XXXX. Since XX/XX/XXXX I've been trying to get a letter of permission from Kia Motor Finance to register my car. Since then I have not been able to drive the vehicle because it is not registered and I don't have tags for the car. XXXX law requires registration with 30 days of permanently moving to XXXX XXXX. 

I haven't gotten any updates from Kia and when I call customer service all they have to say is that it's being dealt with by a different department. It's been 5 weeks and I have no Idea what's going on and I have not been able to use the car.
Consumer complaint received 2021-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (AL)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requesting that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

These inaccurate reported accounts are causing my family and my growing business emotional distress. These missed payments have been inaccurately reported.
Consumer complaint received 2021-02-06
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. (NY)

I feel these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. I need this problem fixed asap I will not wait another 45 days to receive no response because clearly yall ignoring me. I haven't heard anything from TransUnion, XXXX, and XXXX. I demand the accounts on my dispute letter to be updated immediately or I will file for litigation due to the stress that the bureaus has caused me.
Consumer complaint received 2021-02-04
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: General Motors Financial Company, Inc. (SC)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2019, GM FINANCIAL add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019, XXXX XXXX XXXX XXXXXXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-02-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Consumer Portfolio Services, Inc. (VA)

I made my monthly payment dated XX/XX/XXXX to Consumer Portfolio Services Inc with address XXXX XXXX XXXX, California XXXX in the amount of {$290.00}. 
Today, XXXX  XX/XX/XXXX Consumer Portfolio Services REPOSSESSED the Vehicle. I would like to request an investigation related to Financial Practices of Consumer Portfolio Services Inc. Company always not in compliance with the LAW. Last year of XXXX mandatory lockdown effective XX/XX/XXXX Congress passed CARES Act Law. All offices are closed for period of 70 days. Cares Act prohibits banks, lending and financial institutions not to foreclose real estate, repossession of vehicle and collections of fines and penalties due to Covid-19 lockdown. My vehicle was repossessed XX/XX/XXXX first time by Consumer Portfolio Services Inc. such practices was illegal in violation of Cares Act. 
I am looking forward for the prosecution of Consumer Portfolio Services with officers XXXX XXXX XXXX XXXX XXXX XXXX, Supervisor, XXXX XXXX, XXXX XXXX violation of CARES Act, Telephone Consumer Protection Act ( TCPA ). 

Sincerely, XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2022-06-03
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. (GA)

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. TransUnion 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 XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXXXXXX now.with no help.
Consumer complaint received 2020-08-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I understand that with covid going on that things have slowed up. I have file disputes and still have not received anything. It's has been past the 30 days limit.
Consumer complaint received 2021-02-04
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: Paramount Recovery Systems, L.P. (AL)

someone used my Identity to gain medical help, and accumulated a debt of {$1100.00}. it was assigned to a collection agency and reported on my credit profile by PARAMOUNT RECOVERY SYSTM -Account number XXXX, I have requested all three credit report agencies to delete the identity theft account. Both XXXX and XXXX  have initiated a general dispute ( 30 days ) instead of the guidelines set forth by the FTC through the Fair credit reporting act section 605B which requests the reporting agencies to delete the Fraudulent accounts from my credit profiles within 4 days. Both XXXX and XXXX failed to do so. I have uploaded all supporting documents to both agencies and i was informed that my request does not meet the standard fair credit report requirments to delete the file.
Consumer complaint received 2020-10-18
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. (CA)

Dear CFPB, I pulled my report recently, and I notice inaccurate information reported by EQUIFAX regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off in XXXX and closed. 

EQUIFAX violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$26000.00}. A Charge Off/Close Account must show {$0.00} balance. 

2. Delete this account, because it shows a Past Due Amount {$26000.00} and a Charge Off/Close Account must show {$0.00} Past Due. 

3. Delete this account, because it shows Payment History reported consecutively as Charge Off - L in XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX year ; XXXX year ; XXXX year ; 30 days late XX/XX/XXXX ; 60 days late XX/XX/XXXX ; 90 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX. A Charge Off/Close Account must show NO Payment history or consecutively as C/O reported on my credit report. 

4. Delete this account, because it shows Credit Limit {$24000.00} on a charge off close account. 

Please delete this account, and send me a new report. 

I need to apply for a mortgage in 2 months and this is an urgent matter. 

I have attached my EQUIFAX Credit Report and circled the violations, EQUIFAX violated in red color. 

EQUIFAX must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. 
I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2021-09-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (ME)

I exited forbearance XX/XX/2021. Shellpoint has made multiple errors and incorrectly reported my account as delinquent. This compliant is regarding a foreclosure notice sent while under the CARE ac protection and requesting payment in a high pressure manner outside of agreed upon repayment terms agreed by phone and writing. The threat of foreclosure during a moratorium is a breech of federal guidelines. Below is timeline of conversations and contact between myself and Shellpoint and a copy of the foreclosure notice. The foreclosure notice during a phone conversation was defined by Shellpoint as the Trial modification payment approval document.
Consumer complaint received 2021-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: FIRST NATIONAL BANK OF OMAHA (WI)

I received a letter stating that I have a lock on my XXXX  credit account and that I need to unlock it in order to continue the prequalification process. 

I called the FNBO on XX/XX/2021 to check on the meaning of this letter because I had applied for credit on XXXX XXXX and when I would look online at the status of my application it was still saying pending. 

the first line of representative I spoke to put me on hold to contact the relevant department about why my account is saying pending but I received this letter. 

I was then transferred to a representative on a recorded call who told me her name was XXXX and rep number XXXX between about XXXX XXXX eastern standard time. 

She accused me of lying saying that they never sent me any letter about lifting a credit freeze and that she doesn't believe that I have such a letter. 

She informed me that a letter was sent requesting more information from me in order to continue with and complete the application process. To which I informed her and other reps that I applied on XX/XX/XXXX and it's the XXXX of XXXX and I have not received said letter. I then requested if the letter requesting more information could be resent, emailed or if they could inform me over the phone what they needed from me so I can get it to them. 

I was told by the rep who accused me of lying and latter her supervisor that they can not resend the letter requesting more information, and that if I do not submit the requested documents my application will expire as I have failed to submit requested documents. 

To which I again informed all parties I only received a letter requesting to unlock my credit account not anything requesting more information. 

So in the end I will not be given an opportunity to know what it is the creditor needs from me in order to complete the application, and I will be denied for failure to submit requested information!
Consumer complaint received 2021-03-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

My mortgage was in Forbearance due to Covid19 and lack of employment. I was ready to have my mortgage taken out of forbearance and requested such from the XXXX XXXX XXXX the current loan processor of my loan with PHH Mortgage Services. I filled out an application for the mortgage modification and was provided with a Promissory Note and Partial Claim Mortgage. I completed the documentation and returned it. Unfortunately the Notary filled out my name incorrectly and I had to re-submit the documents. During this time my mortgage service was transferred to a new mortgage servicing company and of course they don't have any of the information about my forbearance or mortgage modification taking place with the other loan servicing company. So now they are telling me that I will have to re-apply for a mortgage modification and that they will be reporting all missed or late payments to my credit bureau now that my loan is no longer in forbearance because I do not have a loan modification with them, yet the other mortgage company gave me until XX/XX/XXXX to completer their documentation, which has already been completed as stated above. If that happens it will ruin my credit and show that I have 9 months of late payments. This is and FHA mortgage and I really feel like Im getting treated badly because of this mortgage servicing transfer and nobody from the previous mortgage servicer and the new mortgage servicing company can communicate with each other. I really need help with this. I have done everything I was asked to do and now they are making it very difficult for me to get out of forbearance without ruining my credit because of their poor processing system. I can not make another phone call just to be told their is nothing they can do.
Consumer complaint received 2021-10-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: PNC Bank N.A. (PA)

I had applied for a Lease Buyout Loan from PNC Bank online on Thursday, XX/XX/XXXX and had to go to my local PNC branch on Friday, XX/XX/XXXX to complete the loan closing paperwork. The original loan was for the amount of {$29000.00} and a check to payoff the existing lease was to be mailed out overnight once the paperwork was completed by PNC Bank. 

Several weeks went by and I contacted the leasing company and they confirmed that the payoff check has not arrived. After speaking to XXXX XXXX at the PNC Branch, said that the check was sent via regular mail and not overnight, as the original PNC Loan information asked for an " Overnight Address '' to send the check. She had me sign an indemnification form before they would issue a new check, and a new check was to be overnighted again on Thursday XX/XX/XXXX. 

In contacting the leasing company, XXXX XXXX, the new check was received Friday, XX/XX/XXXX. However, between Friday XX/XX/XXXX and Friday XX/XX/XXXX, 3 weeks, I incurred interest charges on the auto loan in upwards of {$150.00} dollars, while I was not at fault as PNC was handling the payoff of the existing lease to transfer it to a PNC Loan. 

I have been emailing the local branch, calling their customer support number, and receive weekly calls every Friday between XXXX and XXXX XXXX with the representative stating they are still looking into the issue. I feel that this issue should have been resolved as it has been several months now, and nobody is making any progress on it. I feel that if the check got lost in the mail and a new one had to be reissued, and a paper had to be signed by me before reissuing a new check, that I should not be responsible for those interest charges when it was at the fault of PNC bank. 

The new check was received by XXXX XXXX on Friday XX/XX/XXXX and they released the title to PNC bank the following Monday, XX/XX/XXXX. I would find it acceptable to start charging the customer interest once the check was mailed or arrived, not while it was lost in limbo for 3 weeks. If they had given me the money to pay the lease off up front, then yes, I would find it acceptable to charge me interest, but PNC handled all of this on their end. 

I have spoke to several customer service representatives throughout the past few months and this issue is still not resolved. 

I have since traded my vehicle in as I ordered a new vehicle, so this loan should technically be paid off by the dealership at this point, or soon to be, so I should get an adjustment check back for the interest.