davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Diverse Funding Associates LLC (OH)

In XXXX of XXXX I was contacted by XXXX XXXX XXXX to settle a XXXXXXXX XXXX credit card account. I was advised I could make a pay agreement and when the account is paid in full it would be removed from all credit reporting agencies. The account was paid and settled in XX/XX/XXXX. It is still reporting on my credit report. I have disputed this many times as paid and it keeps coming back verified and never paid. I connected XXXX XXXX solutions in XX/XX/XXXX ( XXXX ) advised would follow up with all 3 reporting agencies to have this removed. Then I was emailed another letter confirming debt was paid for my records. The following month in early XXXX still reporting on my credit report. I called all 3 reporting agencies filed another dispute gave them contact information ( name and phone number of direct person to contact ) sent them the PAID letter. On XX/XX/XXXX another letter from reporting agencies stating this is verified as accurate and it has not been paid. Another call ( XX/XX/XXXX ) to XXXX XXXX XXXX ( XXXX ) spoke with " supervisor XXXX '' advised he is not sure as to why its reporting not being paid all his records show account is paid and it has correct account number listed. " XXXX '' then gave me the number to his " client to call and see if they have been contacted regarding any disputes. And they will contact reporting agencies to have it removed. Number given to me by " XXXX '' Diverse Funding LLC XXXX. Called Diverse Funding LLC and was not able to speak with anyone using the website on their voice-mail obtained number XXXX. Same message on previous line they are busy and call another day or go to website www.diversefunfing.com and someone will get back with me. Did not see were I am able to leave message to dispute a problem on website. This has been reporting incorrect on my credit for 2yrs. Contact anyone and having paid letter is getting me nowhere. I am moving in XX/XX/XXXX and I want this removed to assist in boosting my credit for a home purchase. 

XXXX
Consumer complaint received 2021-07-08
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: EQUIFAX, INC. (SC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2021-06-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (FL)

On XXXX and XXXX I Discovered That Someone may have Obtained and improperly Used my personal identifying information to obtain credit, goods or services from XXXX XXXX XXXX  AKA XXXX  AKA XXXX  XXXX XXXX, AKA SW CREDIT SYSTEMS , INC and 11 XXXX XXXX in the amount of {$290.00} This unauthorized use of my information was discovered During A follow up Check of My XXXX  Credit Report in response to monitoring alerts that I received On XXXX and XXXX. I have never had any account with this company or any of its Listed Affiliates. I have never authorized any use of my personal identifying information to obtain any credit, goods, or services from the entities listed. ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Their listed addresses XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX phone and On or around XXXX XX/XX/2020 I filed a Identity Theft Police Report with the XXXX XXXX Police Department in regards to XXXX 's unauthorized use of my personal information in order to support the manufacture a erroneous debt that I do not owe. I was never notified about any debt with XXXX. XXXX and it's affiliates are providing information to others about the {$290.00} debt. It was only after I received a monitoring alert that I discovered that XXXX was sharing erroneous, and damaging financial information about me with others ( XXXX XXXX POLICE DEPARTMENT SUMMARY INCIDENT REPORT NUMBER : XXXX ) ( SPPD Tracking # XXXX ) I have never received any verbal, or written notification of any {$290.00} debt owed from XXXX  or any of it's listed affiliates. XXXX and it's related companies are causing damage to my reputation due to their improper actions on a recurring basis. And Now SW Credit systems Inc. L.P
Consumer complaint received 2021-06-20
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. (CA)

I am re-submitting this complaint. XXXXXXXX XXXX sent me a letter XX/XX/2021, stating this trade line to be removed from my credit report. As of XX/XX/2021 it is still on my credit report. Even after Experian stated that they removed it from my credit report. I am submitting proof of everything.
Consumer complaint received 2022-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

accordance with fair credit reporting act XXXX account 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 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

Account Name : XXXX  XXXX Account Number:XXXX  FTC Identity Theft Report : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX Consumer Reporting Agency , Equifax Consumer Reporting Agency , and XXXX Consumer Reporting Agency block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened with XXXX XXXX on XX/XX/year> under account # XXXX. 


This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account and hard inquiries as reported. The aforementioned account and hard inquires appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account and hard inquiries are the result of identity theft and as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2022-04-27
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: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-09-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (CA)

I have asked for a statement with my rolling balance due on two occasions now. Audi Financial has not complied with my request. My loan payment is on time and paid monthly but I can't reconcile my payments with my balance due. 

I made payments in the months of XXXX, XXXX and XXXX of 2021 for a total payment of {$1900.00} ( {$630.00} per month ) However my statement balance on the vehicle only went down {$460.00} dollars. I am NOT familiar with this math, my interest rate is 5 % so my question is where did the {$1400.00} in payments go? If not to pay off my balance and or interest? How does AF come up with their numbers. 

When pushed for a response I received a " shell game '' response to the effect of... well if this, then that and it depends on if you request the payment to go the loan or the interest or the next payment or, or, or. NOT acceptable.
Consumer complaint received 2022-03-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: PENTAGON FEDERAL CREDIT UNION (NJ)

In XX/XX/2022 I received a check {$9800.00} from PENFED Credit Union for a personal loan that I did not apply for. I checked the credit reports companies, and the loan was there. I did not cash the check and I notified by mail PENFED and the XXXX XXXX, XXXX and XXXX. I received a letter from PENFED Fraud Investigations requesting copies of personal government documents which I found strange because that may generate fraud and identity theft. I never cashed the check and never accepted the loan. I received phone calls from PENFED but never was a message or voice mail left and when I answered the call no one is on the line. Their phone number is useless for my specific case. 
Since I did not cash the check, I did not report this matter to the police. 
In addition, they sent me an insurance enrollment form from XXXX and PENFED dated XX/XX/2022.
Consumer complaint received 2020-07-05
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

After the first notice from Bank of America about two accounts opened on my name using my social security number, my date of birth and my address on XXXX XXXX, I have contacted the Bank of America customer service centers, made identity theft report to the FTC ( FTC report number XXXX ), Fax all required documents to the Bank of America as demanded ( Fax number XXXX ). Without progress, the Bank of America kept sending statements on the reported fraud account. I filled one more complaint with the FTC ( FTC customer complaint number XXXX ). Following my letter to the Bank of America Corporate Center dated XX/XX/2020, I received a letter from the Bank of America on XX/XX/2020 with a case number XXXX for an account ending inXXXX ( full number known as XXXX ) telling me to call Risk Account Closure at XXXX for assistant with account status. I called the given number XXXX on XX/XX/2020 from XXXX to XXXX without result and was advised to call XXXX. I called the number XXXX at XXXX XX/XX/2020 then the call was cut off by Bank of America without answering. The recent statement letter received from Bank of America is an XXXX XXXX account ( account number XXXX ) which show a negative balance of {$100.00}. The Bank of America has had all of my documents they needed for my identity theft claim ; they desperately make thing easy for thefts to open account online without physically verifying. Moreover, they would know from their processing where the deposited fund came from and who owns the money account which used for depositing at opening, and where the end point is for the withdrawals to reach, plus who the owner of such receiving account is. However, Bank of America just keeps going after me as an identity theft victim for their loss because they failed to retake the lost money back as they could. The Bank of America should learn the respected way the XXXX XXXX  works in my case. The theft on my case opened four accounts at the same time at the end of XX/XX/2020 ; two with Bank of America and the other two with the XXXX XXXX. After being contacted and receiving all my required documents since XX/XX/2020, the XXXX XXXX  sent me a letter dated XX/XX/2020 saying they confirmed that I did not open the account.
Consumer complaint received 2021-11-20
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: EQUIFAX, INC. (IL)

XXXX equifax & XXXX violated my rights as a consumer in XXXX XXXX XXXX and refuses to exclude all information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2023-11-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

I am a first-year XXXX XXXX, and I have approximately {$370000.00} in medical school loans that will be in repayment starting XX/XX/XXXX. On XX/XX/XXXX I called Mohela customer service and initially spoke with a representative who was in training. I was inquiring why my IDR plan request placed in XXXX of XXXX through Federal Student Aid had not been processed by Mohela as of XX/XX/XXXX. I was also inquiring why I had been placed into a " Level '' repayment plan, which meant I had a roughly {$2000.00} payment due on XX/XX/XXXX. The representative was unsure why my request had not been processed yet and told me it might be " lost. '' I asked if there was any more information and he told me there was not. He suggested that I enter forbearance so that I could avoid paying the amount due in XXXX. I explained that my expected monthly payment on the SAVE plan would be $ XXXXmonth, as my monthly repayment is calculated on my income as a medical student, which was near {$0.00}. Therefore, I did not want to enter forbearance. I wanted my application processed on time. The representative told me that there was nothing he could do, and even if I was transferred to a supervisor, there was nothing more Mohela could do to help me. I disagreed and asked to speak to his supervisor. 

Ultimately, I was transferred specialist who did send a request to the processing team to address my IDR application. I also resubmitted my IDR request on Mohela 's website. I was not provided with any information how Mohela had " lost '' my request. Nor was there any acknowledgement that by them " losing '' my request, it could ultimately cost me thousands of dollars. The suggestion by the representative for me to enter forbearance is not a solution to Mohela being delinquent in processing my IDR request. In fact, this would cost me thousands of dollars of interest that I would NOT be paying if Mohela had processed my IDR request in a timely fashion. I would also lose out on PSLF payments ( that I qualify for as a physician ) if I entered forbearance.
Consumer complaint received 2020-07-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sentry Recovery and Collections, Inc. (CA)

InXX/XX/2020 I noticed a collection on my credited report from Sentry Recovery & Collections for XXXX. I contacted Sentry Recovery & Collections in XX/XX/2020 to find out what this was about. They indicated that it was for a house I lived in located in XXXX, Nevada. I indicated to them that I was never on a lease or signed a lease for the alleged property. Sentry Recovery & Collections respond that the debt was mine and they validated the alleged debt. I sent a letter to Sentry Recovery & Collections requesting a documentation of alleged lease and I itemized bill for alleged charges and as of today has failed to supply the information I requested.
Consumer complaint received 2022-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (MA)

On XX/XX/XXXX of the current year 2022, I submitted a request for a Business Line of Credit to MY bank Navy Federal Credit Union. After an extended review period, I was informed that in order to receive final approval the application required a standard letter of good standing with the state of Massachusetts because MY bank incorrectly characterized MY previously established business EIN as a Corporation rather than a sole proprietorship LLC. Regardless of the bank error, a letter of good standing was provided for Custom Care and Coach. Once received by the bank, all of MY accounts were closed and to date, MY sole proprietorship status ( although previously recognized for over ten years ) accounts are denied restoration regardless of any supporting documents supplied by either the XXXX of XXXX or the XXXX of Massachusetts.
Consumer complaint received 2022-04-27
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. (TX)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8500.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-11-20
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: Bread Financial Holdings, Inc. (NY)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2021-07-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AL)

Carrington is https : //www.consumerfinance.gov/still harassing me not to give me my money to fix the rest of my house. The loss department is going against the bankruptcy department, that they do sign insurance checks even though the home owner is under bankruptcy. They still let the home owner have the money back to repair their house. It took 4 months for my insurance to give me this money. My health is also being documented by my doctor 's office. My XXXX XXXX is XXXX and my XXXX is getting worse with the mold smell. They want to keep making up lies that the bankruptcy department told me wrong information. I am not signing the check for them to keep and not send it back to me. Now their new excuse is I'm under bankruptcy why won't sign it back to me. It's just pure harassment sexism, discrimination gender discrimination because I'm a female. I have experienced gender harassment my whole life from mortgage companies. Carrington is being downright cruel and inhumane to me.