davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$1500.00} XXXX XXXX  XXXX Balance : {$690.00} XXXX  XXXX Balance : {$9200.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2200.00} ( Original Creditor : XXXX  ) XXXX Balance : {$410.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$580.00} 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 2021-09-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (PA)

Greetings, I closed on my home on XX/XX/XXXX. My first mortgage payment was scheduled for XX/XX/XXXX. The mortgage company provided coupons to submit my first payment until my servicer was assigned. 

I wrote a check and sent my first mortgage payment on XX/XX/XXXX. The mortgage company cashed my check ( # XXXX ) in the amount of {$1100.00} on XX/XX/XXXX. 

Upon receiving my first statement, I realized that my payment was not on my 1st months statement. Also, they had the wrong address and documents that belonged to someone else in my servicing portal. I sent an email to the mortgage company and servicer with proof of payment ( photo of cashed check ) from my financial institution. I continue making payments each month for XX/XX/XXXX and XX/XX/XXXX. 

I was under the assumption that the matter was settled. On XX/XX/XXXX, I received a phone call from their collection unit stating that my loan was behind 60+ days. They put my loan in forbearance. I received 2 certified letters and 2 regular letter that my loan was in default. I called the company and spoke to two very mean individuals who would not assist me with resolving the matter. I called a third time and was greeted by a very pleasant representative who explained the they were at fault for losing my first mortgage payment and provided me with an email to submit proof of XX/XX/XXXX payment once again. In order to bring my account current I submitted an additional payment on XX/XX/XXXX. As of XX/XX/XXXX, this matter is still under investigation, and not resolved. 

It is not fair that my mortgage company lost a whole months payment and I am being penalized. My next payment is two weeks away and I have to cough up another mortgage payment. I should not be due to pay them until XX/XX/XXXX.
Consumer complaint received 2021-09-14
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

Since XXXX I received a letter from Lakeview confirming that my forbearace had ended and that I had to pay again or take up a payment plan ; On XX/XX/XXXX, I called and spoke with an advisor and chose between downloading the interest rate to lower the fee and / or lengthen the time and lower the interest, the advisor of the morgage company told me that they would send the two proposals so that I could choose the one that best accommodated, after that call call the XXXX XXXX XXXX XXXX XXXX XXXX  and XX/XX/XXXX and they always tell me not to worry that they will send the documents soon ; It seems to me that enough time has passed for them to send me the documents so that I can continue to pay my morgage. 
note : additionally since the month of XXXX I have tried to make payments for the page and it does not allow me because my user is blocked and what all the advisors have told me is that it is due to the arrangement contract process ; I think that is mi right to make payments and verify my account statement.
Consumer complaint received 2021-09-14
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. (AL)

I have disputed with TransUnion several times by mail and several times by phone about the public record showing on my report its the chapter-XXXX bankruptcy.I have asked how does TransUnion verify TransUnion first stated through the courts witch is not true then TransUnion said through a third party called XXXX. So i went to the courthouse and spoke with the clerk she stated that the courthouse does not release information to third party companies such as the credit bureaus or XXXX then i called and wrote XXXX they stated that they get there information from XXXX.I know my rights and the FCRA rules/laws.TransUnion is supposed to contact the actual furnisher witch would be the courthouse.This is false reporting and i want it removed from my credit report immediatly! Also the reporting date is incorrect its reporting XX/XX/2015 that is inaccurate information on my report witch calls for deletion.Another thing is my XXXX account along with other third party compaines are frozen so its no way TransUnion is veryfing through XXXX i will attach documents along with this for proof.
Consumer complaint received 2021-09-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC. (TX)

I am a victim of identity theft in which my social security number along with other identifying information has been utilized in order to apply for and/or secure accounts with various financial institutions. 

In XX/XX/2021, I received an alert notifying me that an account was added to my XXXX credit file with a past due payment history. I immediately contacted the company, NetCredit, on XX/XX/2021 in which I was advised to submit a police report. On that same date, I submitted my police report along with my FTC Identity Theft report. On XX/XX/2021, I received a response indicating that they completed their investigation and confirmed it was not fraud, therefore, taking no further action to remove the account. 

Prior to this instance, there was also a credit inquiry placed on my XXXX credit file from NetCredit. After contacting XXXX and the XXXX XXXX XXXX advising that the inquiry was fraudulently done, the inquiry was since removed. 

I do not understand how NetCredit refuses to acknowledge the documentation submitted and remove the account in once instance, but agrees that the actually application/inquiry was fraudulent and removed it.
Consumer complaint received 2021-10-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Citizens Bank offered me a compelling rate to refinance the mortgage loan I have with them. After confirming they locked in the rate, the mortgage broker claims he made a procedural mistake on the timing of the appraisal payment, which resulted in the bank failing to honor the locked rate. The bank did not offer compensation or keeping the locked rate as a courtesy, despite several confirmations from the broker the rate lock was active. Worse, as mortgage rates climbed significantly in the interim, the new rate is significantly higher, translating to an additional charge of {$12000.00} per year.

The mortgage broker details are as follows : XXXX XXXX NMLS # XXXX Citizens Bank XXXX XXXX XXXX XXXX NMLS # XXXX Citizens Bank XXXX XXXX citizensbank.com
Consumer complaint received 2021-09-15
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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS (IL)

I have disputed an unverified inaccurate bankruptcy on my credit report with the XXXX, XXXX, and XXXX and all 3 keep reporting the bankruptcy is verified by the data furnisher LexisNexis. As of XX/XX/21 LexisNexis did an investigate and said there in no bankruptcy in there fields ( see enclosed letters ). But this can't be true, because all 3 credit bureaus keeping coming back said its verified as accurate from the data furnisher lexisnexis. I have tried numerous times with each credit agency to remove the inaccuracy from there files and said lexisnexis has verified as accurate. XXXX XX/XX/21 # XXXX, XXXX, XX/XX/21 XXXX certified bankruptcy. XXXX XX/XX/21 # XXXX # XXXX, XX/XX/21 # XXXX verified as accurate. XXXX XXXX, and XX/XX/21 file # XXXX all still referencing the bankruptcy in there files verified as accurate. Not one time has any dispute come back NO bankruptcy and the common denominator here is LexisNexis.
Consumer complaint received 2021-09-15
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: EQUIFAX, INC. (IA)

I have been disputing this debt with the company and the credit reporting agencies. I have sent all the documentation in. I provided everything, instead XXXX has violated my rights numerous of times, in which I the consumer have never gave them any type of consent to furnished my credit report with such information. The information is inaccurate. I provided them with everything but they have stalled to remove the item all while violated 15 US code subsection 1692 ( b ), 15 US code subsection 1692 ( d ) ( 1 ), and others.
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The 3 credit reporting agencies are reporting a bankruptcy. And will not release how they verified the results.I have a letter from the county house that states they do not relese any info to 3 rd party company's.And all of my search companies like lexes nexus is frozen.This is the 3rd time they have not followed the rights of the fair credit reporting act.And have violated my rights.Please help me have these accounts deleted thank you.
Consumer complaint received 2021-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CO)

Suntrust XXXX Truist purchased my loan from rocket mortgage. The mortgage was transferred effective XX/XX/XXXX. 

I set up an account on their website on XX/XX/XXXX to make the payment but the pay link tells me I am not allowed to make a payment on the website. 

I called their service number ( XXXX ) on XX/XX/XXXX and and waited on hold for 35 minutes. I talked with a representative named XXXX who told that they would not be able to accept my payment because the account is delinquent. I was told that I could make a payment by calling them - and she gave me the exact same number that I had called before. 

I never personally established a relationship with Truist and they are now making me jump through hoops to pay my mortgage. They are in violation of the 60 day service transfer grace period and clearly dont have the operational capability to be purchasing mortgages from other banks.
Consumer complaint received 2021-09-14
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

5. Identity XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft CAPITAL ONE BANK USA N Account XXXX : XXXX This is not mine.
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (TX)

I was in an approved disaster mortgage forbearance with SLS ( Specialized Loan Servicing ) due to Hurricane Harvey from XXXX. I paid off the entire amount in full prior to the deadline of the forbearance in XXXX. When I checked my three credit reports in XXXX of this year, I noticed that all three were showing that I had been more than 180 days late on that account in XX/XX/2018, which was incorrect as I have never been late at all. Since then, I have called and emailed SLS numerous times, submitted multiple disputes through the credit bureaus, spoken to XXXX  XXXX, and now you all. The past several SLS supervisors have acknowledged their error and told me that they would fix the issue to show " no data '' for that time period, but it never gets fixed. I just received yet another email from XXXX showing that the dispute has not changed anything yet again and it remains status quo. Their incorrect information is affecting my credit score negatively. Please help!
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (RI)

Experian has routinely reported negative credit reports beyond the seven years that is statutory limit. Late payments are specifically defined as 7 year limits. Experian routinely ignores the law in this regards and has created procedures that prevent consumers from disputing these errors in their credit reports.

Experian 's own blog XXXX XXXX XXXX says that late payments are reported for seven years however Experian has no procedures to remove late payments from negative reports in a timely manner. I would suggest that Experian intentionally fails to remove negative reports or is incentivized through the Experian Boost to fail to make the appropriate adjustments in credit reporting.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to EXPEL any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$75.00}
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (UT)

XXXX, XXXX, XXXX of XXXX  I got Mortgage forgiveness because of Covid-19. However, XXXX XXXX services reported late payments on two of the 4 properties I have a loan on from them. Because of this mistake on their part it has effected my Credit score in a dramatic way. I am not able to get a construction loan for the house I am building and I am paying out of pocket. I received a letter from XXXX XXXX XXXX stating that they have sent the credit bureau 's a letter of deletion for those late payments, stating that they should not have been marked as late. Nothing has changed on my credit score and they are still showing up as negatively effecting my credit.
Consumer complaint received 2021-09-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (NJ)

Please CFPB look into these collections practices. I am applying for a new home to help my family under this pandemic and my loan officerlooked at my credit mentioning theres a problem and he can not move further with myapplication. He mentioned AFNI is a new account and I have to fix this problem. Thereis an account listed on my credit report that just popped up under AFNI collecting for a company called XXXX for {$2300.00}. This company is operating unethically and in violation of my rights. This is a company who has never sent me a letter or called ever. I've never done business with them and have no financial obligation to them. This account was on mycredit previously in XXXX with XXXX XXXX... I wasn't familiar with this account and the balance from XXXX and asked them to SUBSTANTIATE this claim that I owe them because I have XXXX XXXX NOT XXXX.. this is an error. I Have been a victim of ID theft before and I monitor my financial affairs very closely. XXXX XXXX then removed the debt and placed it with another company called AFNI. All this happened under a month ( see attached screenshots ) so how would XXXX send me a right to dispute or explain my rights to I can address and let them know the problem. 
The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers ' credit reports to coerce them to pay the debts. They label this as DEPT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports.The defendants used this illegal debt parking to coerce people to pay debts they didn't owe or didnt recognize, XXXX XXXX , director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THISCOMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. I need this taken off my credit because If I am out of my apartment least and can not get my home to move my kids into, I will file suit with an attorney of my choice. I have attached images from my XXXX XXXX
Consumer complaint received 2022-10-20
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bridgecrest Acceptance Corporation (MI)

I purchased a XXXX XXXX XXXX on XX/XX/XXXX, from XXXX. It was financed through Bridgecrest. 

The XXXX had multiple issues, including a replacement engine ; however, I still made on time payments to Bridgecrest through auto-withdrawals in XXXX and XXXX. In XXXX, XXXX let me know they are doing a backout on the XXXX, because they claim the mileage didn't match their title ( they actually rolled back the miles, but that's a separate case I have ). 

I approved the backout, and XXXX issued Bridgecrest to reverse my two payments. Which show in the portal ; however, it now shows I have a balance due of those two payments, and for the past week they have called two to three times a day. Every person I spoke to, I explain the situation, they open up my record, and see that I am all good ; however, they must not open my record before calling. 

Also, my reversed payments still haven't showed up in my bank account, they said it could take 30 - 90 days to refund my money ; however, they use threatening terms like they are going to report me to the credit bureau, and they are charging interest, even though they are the ones who issued the reversal. 

Needless to say, I am burnt out, they won't stop calling during work hours, they say they add notes to my file ; however, whenever I talk to them, they apologize for threatening me, and calling me, but still keep doing it.
Consumer complaint received 2022-02-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SunTx Capital Partners (VA)

I am submitting a complaint because Freedom Truck Finance , LLC is not upholding the settlement verbal agreement. On XXXX XXXX, 2022, both parties agreed for a settlement amount of {$5100.00}. The verbal agreement stated that starting XXXX XXXX, I had XXXX  days to make the first payment of {$2500.00}, which I did on XXXX XXXX. I was also put in a situation where I was forced to sign the settlement letter with the wrong information because I was told that I could lose the settlement based on their deadlines -- even though the letter was wrong. The second payment of {$2500.00} was due in 30 days. However, I made the second payment on XXXX XXXX, 2022. Even though I paid the full settlement amount within the timeframe agreed upon, Freedom Truck Finance , LLC continues to purposefully send settlement letters with the wrong information to put me at a disadvantage by changing the dollar amounts, due dates and the date when they created the letter. For example, the second letter has XXXX XXXX in the headline, but they sent the letter on XXXX XXXX and it has the wrong due date. In addition, even though I paid the full settlement amount, they are breaching the agreement by not closing the account and not updating the credit bureaus accordingly.
Consumer complaint received 2021-10-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (GA)

I invested money in a cryptocurrency account and did a few investments and my investments have increased and now I am unable to get into my account.I have since found out that this company is being sued for these practices. The company is Coinbase and I have about XXXX invested at this time but with my investments doing so well I would say that number has more than tripled. I have tried numerous times to contact this company but I am unable to get any help.I have been locked out of account for almost 2 weeks and I am losing money daily.