davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2023 I sent a letter to the credit bureau. The Fair Credit Reporting Act, Public law XXXX-506, Title VI, Section 611, Subsection A-D, demands that they provide actual proof the information was verified, not a computer generated confirmation. They never provided : 1. The names and business addresses of each individual with whom they verified the information with above, so that I may follow up. 2. The date they contacted the individual furnishers of information. 3. The method of communication they used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. I was never given this information Bureau ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. Validate Account XXXX Account XXXX : XXXX Please supply information on how you have verified this item. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please supply information on how you have verified this item. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please supply information on how you have verified this item. 
XXXX. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item
Consumer complaint received 2020-07-23
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. (NC)

I recently sent letters over 45 days ago to Experian and they are disregarding a regular consumer disputes. I'm frustrated and have been sending letters before this and still no response.
Consumer complaint received 2020-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (UT)

Account Number : XXXX. Property Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Utah XXXX. On XX/XX/2020, I paid off my mortgage to PHH Mortgage Services. However, they did not recognize my pay off until XX/XX/2020. In the meantime they were billing me for another payment. After, and only after filing a complaint with CFPB did the company respond and fix the problem. Now they will not release their lien on the property. One of their letters stated that it may take up to six months to release  it. So, I contact the XXXX XXXX County Recorder to find out if they were back logged on recording mortgage lien releases. They informed me that they were not and that the delay was with PHH. So, I contacted PHH again, who informed me that it would take up to 30 days from XX/XX/2020 " for the release to be completed and submitted to send the SATISFACTION DOCUMENT to the County for recording. '' Interestingly, the date of their letter was  XX/XX/2020, which was already more than 30 days. I have contacted the XXXX XXXX XXXX recorder three times ( the last time today XXXX ) and was informed that they have not received any documentation from PHH to release the lien on my property. As always, there is no sense of urgency until one files a complaint against them. All I want to do is clear this lien. I was a perfect customer. Not once was I late on my payments. Many times my payment was paid early. I truly appreciate your help in the past and have confidence that you can help me again. Thank you.
Consumer complaint received 2020-07-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I was contacted in XX/XX/XXXX by a debt collector and made aware of a loan fraudulently opened with my identity with a Nissan dealership in XXXX, CA in XX/XX/XXXX. I did not have sufficient credit to obtain a loan at that time. I do not understand how someone purchased a vehicle without proper identification or documentation such as social security card, employment pay stubs, etc. I filed a police report and have tried numerous times to get information on who the salesmen was and who the finance officer was that approved this loan without proper identification with no success. The dealership will no cooperate nor give my any info or return my calls.
Consumer complaint received 2020-07-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (VA)

My PayPal account is XXXX. There is {$10000.00} missing on XX/XX/2020. The account balance is XXXX. Please refund me the money {$10000.00}.
Consumer complaint received 2020-06-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (CA)

A company named Afni, Inc has been bugging me by calling multiple times to over the phone an dnow by sending me collection notice for an account I never owed. Each time they failed 'The Verification of Debt ', my name, my address and the account number. It has been asking me to give my social security number too which I denied.
Consumer complaint received 2020-07-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: GreenSky, LLC (NC)

I called GreenSky and was told my payoff amount was XXXX on XX/XX/XXXX and it would take 24-48hrs for me to receive a payoff letter. When I received the payoff letter they added on an additional late fee and finance charge when I was told that I would have no payments or interest for the 1st 90 days when I called back to try to get this corrected on XX/XX/XXXX I was told I would get a corrected payoff letter and again was quoted XXXX. When I did not receive the letter I called again today XX/XX/XXXX and was advised that the finance charge and late payment they applied the day after was correct and that they would not remove the extra {$150.00} that they added on to my bill the day after they quoted me {$5200.00}. They have refused to work with me and are charging me extra fees every time I call in. They are now saying I owe XXXX. I dont know how to get this resolved without paying them more money. I wish I never took the loan from them and just want to be done with this company.
Consumer complaint received 2020-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TN)

My mortgage is below 78 % of the appraised value. I requested cancellation of PMI aby email and by phone the loan servicer has refused. All payments have been on time. The loan servicer is Lakeview Loan Servicing LLC, XXXX XXXX. This appears to violate HPA.
Consumer complaint received 2020-07-22
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2019-02-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I was contacted on Thursday, XX/XX/XXXX, at XXXX EST, from phone number XXXX ( per caller ID ), by someone claiming to represent XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), regarding an alleged debt. I was told that I owed {$290.00} for a Bank of America account that was closed and charged off on XX/XX/XXXX. I requested substantiation of the alleged debt and questioned the validity of an alleged debt from XXXX for which no previous collection action was taken, and was told in response that I was going to be " marked as a refusal to pay '' and " placed in XXXX XXXX, so I won't be able to ever open a bank account again until I pay ''. I replied that I would take legal action, and I was hung up on. 

I called back at XXXX EST and spoke to " XXXX '' ( ext. XXXX ), who clearly stated that the alleged debt is for BoA account # XXXX, in the amount of {$290.00}. She went on to say that it was charged off on XX/XX/XXXX, and the last payment received was on XX/XX/XXXX. I asked for substantiation of the debt and provided a personal email address ( XXXX ), to which XXXX replied that she would email me the requested information in a few minutes. I never received any such information. 

I immediately went to my local BoA branch, where I spoke with a manager to review my account histories. The manager retrieved the information, and showed me that I had 2 accounts, opened in XXXX, and closed in XXXX. These accounts were closed in good standing. The manager could not locate any account in my name prior to that, and certainly not open in XXXX, nor with the account number provided by XXXX at XXXX XXXX XXXX XXXX XXXX XXXX. 

I strongly believe this claim of debt is fraudulent, and that XXXX, XXXX, XXXX XXXX attempted to commit theft by deception in pursuit of this illegitimate collection action against me. Even if legitimate, which I vehemently dispute, I believe the threat of extrajudicial punitive action is a violation of the FDCPA, and I request that the CFPB take action against them.
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I contacted XXXX XXXX XXXX in XX/XX/2020 as a result of the COVID-19 pandemic. I was granted an extension for the installment dates of XXXX, XXXX, XX/XX/2020 after answering qualifying questions for the COVID-19 payment assistance program. At the time the extension was granted disclosures were read by the XXXX representative explaining the account would not accrue any additional interest as a result of the deferment, and I verbally agreed to this change. As a result of his verbiage on my bureau, on XX/XX/2020 I received notification from another creditor XXXX CARD SERVICES that due to a drop in my XXXX XXXX my line of credit has been reduced from {$6000.00} to {$4500.00}. After escalating my concern to the Director of Credit at XXXX, I now understand my credit line was dropped due to this indicator, not due to a reduction in my XXXX XXXX. Additionally the utilization rate on this card now reflects higher, resulting in a decrease to my credit score.  XXXX XXXX XXXX granted this extension and disclosed everything except the fact that these remarks would reflect on my credit report. They did not disclose tome that this would reflect as a risk indicator on my credit report to other creditors that I was experiencing a financial hardship. My loan is currently paid up to date. The XXXXXX/XX/XXXXinstallment was paid prior to the due date. I am currently not in a hardship. XXXX did not explain or disclose to me that there would be potential adverse activity to my credit as a result of granting this extension. It was supposed to allow me time to defer my loan payments without penalty. I have been penalized by utilizing this remedy offered by XXXX that was supposed to prevent a negative report on my credit for these months. XXXX did not give me the opportunity to decide if I wanted to accept the deferment provided this would cause adverse activity to my credit. I would have resumed payments without a 90 day deferment provided XXXX given me full disclosure how this would effect my credit report. This is not a fair or accurate record of my credit with XXXX XXXX XXXX and is a violation of the FCRA. I have reached out to Chase Auto Finance and called the Credit Dispute Processing Department XXXX and my request to adjust the verbiage on my bureau was denied by the representative I spoke to. He refused to give me the name of a party to escalate my concern to and advised I needed to speak to XXXX XXXX XXXX.
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have a HARD INQUIRY on my TransUnion credit report from a company XXXX XXXX XXXX XXXX from XX/XX/2019. I did not authorize this credit report pull from this company and I want this " hard inquiry '' removed from my credit report at once as it is impacting my credit score due to this fraudulent inquiry. 

I have tried multiple times to get TransUnion to clear up this erroneous, false, and fraudulent information on my report only to get an excuse that it was authorized. 

I DID NOT AUTHORIZE THIS CREDIT PULL. 
TRANSUNION needs to correct what process or system disconnect made this credit pull possible and ensure that this doesn't happen to other people going forward. 

I want this removed from my credit report at once. 
I WILL NOT SEND IN ADDITIONAL INFORMATION via old fashion mail to TransUnion for this issue - they need to allow for real-time resolve to errors that they have made on their part that are impacting a consumer. I want this resolution to be immediate and swift - it has been over a year fighting this to be removed. 

I DID NOT AUTHORIZE THIS CREDIT PULL.
Consumer complaint received 2020-07-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (TX)

I initially took out a student loan with XXXX XXXX XXXX XXXX to pay for a XXXX XXXX XXXX  studying at XXXX XXXX XXXX XXXX University   XXXX, training provided by XXXX XXXX. However, the training was less than satisfaction for all the students so the school had agreed to issue all students full refund on XX/XX/2020 in the amount of {$8300.00}. The refund was processed and confirmed by a representative at XXXX XXXX on XX/XX/2020 and confirmed again by the accounting manager of XXXX XXXX, XXXX XXXX, on XX/XX/2020. Please see attached email communications for details. 
The XXXX XXXX representative also referred me to their loan servicing company, University Accounting Service , LLC ( UAS ) for more details on the status of my refund check. I contacted UAS for the first time in XX/XX/2020 through their online contact portal asking them about the refund status and when the check will be issued. One of the companys representative responded by telling me they forwarded my question their accountant specialist who will get back with me for the details. No one from this company has gotten back with me. I waited approximately 2 weeks and decided to call their customer service number ( XXXX ) on XX/XX/2020. The representative who answered the phone informed me that I will need to wait from 45 60 days counting from XX/XX/2020 for them to issue the refund check. I monitored and saw that my account became {$0.00} balance ( from having {$8300.00} refund ) on XX/XX/2020 so I contacted the company again through their online contact portal and was informed that my refund was processed on XX/XX/2020. However, it has been over 10 days and I still have not received the check in my mail. I contacted the company again on XX/XX/2020 asking for the date the check was sent out. They have refused to provide me with any answers. As of today, XX/XX/2020, this company still refused to issue my refund or even confirm if they have send the refund check. Additional email communications are attached for your review. Thank you.
Consumer complaint received 2020-07-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Vehicle Solutions Corp (FL)

Since XX/XX/2020, I have called my auto loan company several times to resolve this error on my credit report. On XX/XX/2020, my auto loan company reported that my account is 90 days past due with the balance of {$1500.00} ( which included a repossession fee ) and that my car is being repossessed. I did not understand why my car is being repossessed when I made a payment to them on XX/XX/2020 of {$390.00}. Although my payment is usually due on the XXXX, I paid this amount without a late fee because one of their customer service representatives offered me their COVID-19 relief program on XX/XX/2020 around XXXX. According to this rep, the COVID-19 program would defer my payment for XXXX once I made the payment in XXXX and sent my job letter. Which I did as instructed. ( proof will be attached below ) The next time I call in XXXX to make a payment I hear my car is in repossessions. On XX/XX/2020 around XXXX - XXXXXXXX XXXX, I spoke to XXXX XXXX this situation and she said this occurred because their system did not acknowledge my payment made in XXXX nor was there record of the covid relief program being offered. I sent her a bank statement showing her that payment was made and sent my job letter. She agreed to honor the deferment and told me it would be updated by XX/XX/XXXX. It has not been updated nor was my covid relief offer acknowledge. As of XX/XX/2020, I have called multiple times about this issue still not being resolved and I am unable to speak to anyone.
Consumer complaint received 2020-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NH)

About XXXX I joined USAA and got their credit card, after reading about them getting fined for violating banking laws I requested that my account be closed and all personal information be removed from their system They cancelled my credit card in XX/XX/XXXX but did not close my account. I called around that time and requested my personal information be removed from their system. The agent I spoke to said that was not possible. 

In XXXX of XXXX I found online that my account was still open. On XXXX XXXX I requested in writing that my information be removed. 
Thinking the matter had been resolved I again found my account still open when I checked on line. 

XX/XX/XXXX I again wrote to USAA Federal Savings Bank asking for my personal information be removed and my account and membership be cancelled. 

Again this was not done. 
XXXX XXXX I called and spoke to a XXXX? went over my issues and requested that my information be removed and account and membership be closed out. 

He informed me that that can not be done per company policy. 

USAA Federal Savings Bank is holding my personal information in their electronic system which is subject to hacking ( XXXX  just recently XXXX. 

This exposes me to Identity theft and major legal problems. 

I don't see how this can be legal activity by a bank or anyone else.
Consumer complaint received 2020-07-22
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. (FL)

XXXX ; Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$13000.00} on the XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and SSN Card for identification purposes so the bureaus will investigate my complaint. ) This account does not belong to me. I do not now, nor have I in the past, had an account with XXXX XXXX This false reporting of a collection/chargeoff account that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I had my identiy stolen in XX/XX/2020. I have contacted TransUnion about removing the inquiries on my report that I don't reconize or I did not autherize. I sent letters on XX/XX/2020, XX/XX/2020, and XX/XX/2020 and they will not remove them.
Consumer complaint received 2020-07-22
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. (IN)

On XX/XX/2020 I tried to call XXXX to discuss the issue I am having with them reporting incorrect information to my credit files and was unsuccessful. When I call the number on the letter I received from XXXX ( XX/XX/2020 ), their automated systems says that they are unable to locate an account with my information. Then it attemps to transfer me to a customer service rep and then the call automatically disconnects. The number that I called is XXXX. I also called all the numbers listed on my credit file and I receive the same results. XXXX sent a letter stating they don't have an account on file for me, and to call customer service but then turns around and reports further inaccurate information to my credit file.
Consumer complaint received 2020-07-22
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. (GA)

I have sent letters out certified over 60 days ago and have not been notified, as a consumer I feel like these clowns are taking advantage of normal hard working people.
Consumer complaint received 2020-06-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XXXX2016, my identity was stolen by a woman who was living with me. I went to the police and filed a report against her. They could not find her. I then noticed things on my credit was not accurate as I went to apply for a car loan. I seen there was numerous inquiries and items on my report that was not authorized by me. Two credit cards from capital one. One amount for XXXX and another amount XXXX. I have joined two credit repair agency to help resolve this and I have also contacted the credit card companies themselves giving them a copy of the police report. They refuse to remove the items from my report and they label the debt as accurate information when it is not and I have provided them proof.