davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-26
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. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this accounts ( A ). It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$19000.00}
Consumer complaint received 2022-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (AL)

Creditor Name COMENITYCAPITALXXXX  Account number XXXX Date opened XX/XX/2020 15 U.S. Code 1666 - Correction of Billing Errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit that was not made to the obligor or, if made, was not in the amount reflected on such a statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement of a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2021-07-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

This debt is not mine. This was a result of identity theft back in 2019. I was harassed by this collection company multiple times through email so I hired an attorney to help me. 

My attorney wrote to them : Dear Sir or Madam : This law firm is legal counsel to XXXX XXXX XXXX XXXX, your account number XXXX. All further communications regarding this matter should be directed to this Firm. This is a disputed / fraudulent debt and has already been reported as such to the numerous reporting agencies which have resolved this matter in our favor many months ago. This bad paper keeps getting passed around. 

If you have any paperwork to the contrary showing the debt is still valid and not fraud, please forward same to my attention. Otherwise, I assume you will be letting your client know that no further action shall be taken on this matter. 

Kindly be advised of your obligations under the Fair Debt Collections Practices Act. Be guided accordingly. 

All of XXXX XXXX 's expressed or implied rights and remedies at law and equity are hereby reserved. 

XXXX XXXX XXXX, XXXX XXXX XXXX of XXXX XXXX XXXX As soon as this email was sent, the harassment stopped but now about 4 months later they have posted this collection in the amount of {$14000.00}. This is collection that stemmed from a loan that was claimed identity theft back in 2019 is now on my credit and affecting my life. 

This collection needs to be removed ASAP because it is not mine.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my 22nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4800.00} XXXX XXXXXXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4800.00}
Consumer complaint received 2022-06-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (NJ)

On XX/XX/XXXX I received a call from Naviant saying my account was past due. I had been enrolled in an income based repayment for several months prior with my private loan and payments were set to come out automatically.

On the call the person explained that only a partial payment came out and that is need to make a payment of {$67.00} to bring the account current. I made the payment and set up automatic payments there after to come out on the XXXX of each month. I also received confirmation that payments were set moving forward. 

Several weeks passed and I started getting calls from Navient saying my account was past due. Each time I informed the representative that there was a payment scheduled, they said they saw it and then advised they would ensure I wasnt called again. 

I continued to receive calls on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX My normal scheduled payment was made successfully on XX/XX/XXXX for {$260.00} as expected. 

On XX/XX/XXXX I received additional email communications from navient that I had a past due amount totaling {$84.00}, including late fees. 

Navient continues to charge me late fees and state that I have a past due account when I should be paid to date. Its clear the Navient can not fulfill their obligation to keep track of payments and I am requesting an escalation of the matter through the cfpb.
Consumer complaint received 2021-07-09
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company (FL)

Freedom Mortgage. 

1.I had a modification in XX/XX/XXXX. Freedom purchased the mortgage from previous lender.

2. I was retiring from XXXX after 25 years at that point. I had not found employment and my retirement pay was taking 2 months to start. I tried contacting Freedom for help but was ignored.

3. I made consistent payments often double payments up until I sold the house in XX/XX/XXXX.

4. Freedom has me listed as 30-60 days late on payments consecutively from XXXX XXXX XXXX. I have contacted them to change this information and they have refused. 

5. Their refusal cost me the VA mortgage for a home for my family.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MA)

Experian I demand for the second time that you delete this unauthorized inquiry from XXXX dated XX/XX/2022. Experian I have provided proof documentation directly from XXXX stating that the credit reporting agency shall delete this unauthorized inquiry from my consumer report. I have attached a copy of the response letter from XXXX and a copy of my original dispute with you have not responded to. After you have deleted this inaccurate inquiry from my consumer report send me a full a complete copy of my consumer report.
Consumer complaint received 2021-07-17
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: Convergent Resources, Inc. (CA)

XXXX XXXX Acc # XXXX {$16000.00}, Convergent Outsourcing Acc # XXXX {$660.00}, XXXX  / XXXX XXXX  XXXX I Acc # XXXX {$470.00}, XXXX / XXXX Acc # XXXX {$500.00}, XXXX  / XXXX XXXX Acc # XXXX {$350.00}, XXXX  /XXXX  Acc XXXX XXXX {$220.00}, XXXX Acc XXXX XXXX {$16000.00} I did an FTC report with all the items that do NOT belong to me.
Consumer complaint received 2021-07-17
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: Santander Consumer USA Holdings Inc. (CA)

Santander Consumer Acc # XXXX {$16000.00} XXXX XXXX XXXXXXXX # XXXX {$660.00} XXXX  / XXXX XXXX XXXX I Acc # XXXX {$470.00} XXXX XXXX XXXX Acc # XXXX {$500.00} XXXX / XXXX  XXXX Acc # XXXX {$350.00} XXXX XXXX  XXXX XXXX # XXXX {$220.00} Santander. Acc # XXXX {$16000.00} I did an FTC report with all the items that do NOT belong to me.
Consumer complaint received 2021-07-17
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (CA)

During the pandemic I had to make a decision to either pay my car payment of $ XXXX  monthly or pay my mortgage because Im a single mother of XXXX children. I decided to surrendermy vehicle to Chrysler Capital after numerous attempts to either lower my payments or refinance which they do not so I was receiving daily calls to make payment even through my job was uncertain. I explained my situation and asked why my balance in the beginning was around {$29000.00} and after three years of struggle to pay this huge car payment my balance barely ever decreased even when I was on time and continuously paying. Once I realize I couldnt afford the vehicle, the company towed the vehicle away. Some weeks later I got a letter about a auction to sell my vehicle during the absolutely worst economic time, they only received around {$6000.00} for my car. Then I received another notice stating actually the vehicle was junked for that balance Im not sure what really happened however the balance is still accruing causing my credit score to plummet from the rising unpaid balance.
Consumer complaint received 2021-07-17
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. (AZ)

There are 3 Accounts on my Credit Report that are not mine, that I have disputed to all 3 Reporting Agencies numerous times to no avail. I am unfortunately a Victim of a Bank caused Identity theft. After the Breach happened and all of my cash was taken, I was told to put a freeze on my accounts and write a Consumer Statement for each of the 3 Accounts which I did. Now I can only get one Report and that's from XXXX, the other 2 told me to get one mailed to me which takes anywhere from 2-4 weeks. Anyway, these Entries are not mine and it's now caused a Sevier problem with me getting a Refi on my home I had to pay cash for because of all of this! 
As you can probably tell at this point I'm pretty Chapped about this as it has been going on almost 41/2 years now. I am not sure if you can help me out at all but am in hopes that you all can finally get them off my Credit Report so I can finally live in peace. I thank you for taking the time to read this note, and look forward to hearing back from you all. God Bless America! 
XXXX XXXX XXXX, Arizona
Consumer complaint received 2021-07-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion was reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting this account or if this account even belong to me. I have sent 2nd dispute letters to TransUnion since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2022-06-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-07-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Ive contacted Bank of America, who has taken zero action or authority and changes their story as to why the next step has not happened. They refuse to proceed with a foreclosure on a vacant, legally abandoned home since XXXX, cancelled a scheduled foreclosure for XX/XX/XXXX of XXXX. My loan is now 11 years old and I owe 56 percent more then its original principal because they have dragged there feet and hid behind the covid moratorium that does not apply given the property is both vacant and abandoned. Please help as the only one that is benefiting from this is Bank of America and it is not right.
Consumer complaint received 2022-06-20
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (MD)

I purchased a car from XXXX in XX/XX/XXXX. The loan provider for the loan is Bridgecrest. At the beginning of the loan period, the payments were on time. Unfortunately, I was impacted by COVID. This resulted in short term XXXX due to a COVID related illness. I communicated this with Bridgcrest on several occasions. I entered into several payment plans/loan modifications ( XX/XX/XXXX and XX/XX/XXXX ). I did everything I could to prevent a repossession. After many months of hard work, I have finally brought my account to current. I reached out to Bridgecrest and asked for a credit report adjustment to reflect current as I am not able to be approved for a mortgage ( or rental ) due to the late payments they continue to report. The refuse to comply with the CARES Act credit reporting mandates and report my account to current ; after entering into several agreements and loan a loan modification. From my understanding of the CARES Act, even if I was delinquent at the time of the modification, the creditor must report my account as current once the account is brought current as a result of that modification. The company states it is not their policy to offer adjustments. However, they will remove tradelines if the loan defaults and is charged off. In other words, if I would have let my loan get charged off, I would get a full reprieve. Even though I worked hard to maintain my loan and bring my account to current, my credit report can not be adjusted to reflect that dedication?
Consumer complaint received 2021-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have never had to do this much to get an issue resolved its amazing how Bank of America is giving me a run around about my money. SO I called bank of america to report fraudulent charges on my account back in XXXX. They filed a claim they told me they could not put some of the charges on the claim so okay I'm already XXXX because how does that sound if I didn't authorize a charge and it did not come from me. Then they tell me okay they have all my other charges taken down and it will take 10 days until I know something. Then after I recieved letter in mail I'm confused because where is the rest of the charges so I call back and go through the entire process of the claim again and still having problems now were at the end of XXXX file claim again says 10 days again so here we are in XXXX they close my claim stating oh we determined no fraud because there was no rush in reporting charges when I have been reporting the same charges for over 2 months but they have no record of the other times. I'M very upset I'm behind on Bill 's and a XXXX  mom I need my money. I have talked to idk how many people in customer service, the claims department even the manager of the claims department, now I have been trying to go higher up. Do I need a lawyer?? I'M COMPLETELY DISGUSTED and DISAPPOINTED WITH BANK OF AMERICA!!!
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XX/XX/2022 To Whom It May Concern : I was just looking over my credit report and found some addresses that appear to be incorrect. Ive enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( Which I would like removed Please ) : XXXX. XXXX XXXX XXXX XXXX XXXX Tx, XXXX ID : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Tx, XXXX ID : XXXX XXXX. XXXX XXXX XXXX XXXX Tx, XXXX ID : XXXX There should only be XXXX address listed on my report, which is XXXX XXXX XXXX XXXX, Tx XXXX. 

I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spelling I see listed : 1. XXXX XXXX ID : XXXX Please remove Inquiries as well as listed below : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once you have deleted the inaccurate names and addresses and Inquiries from my credit report, please send me a copy of my updated report. 


Thank you, XXXX XXXX
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

this is one of the account that I report as identity theft. I have attach a police report to this ..please delete this account. If not I will be force to sue all credit reporting agency... 

XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) Account # XXXX
Consumer complaint received 2022-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX 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 XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.