davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-16
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; 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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-08-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I filed a complaint about Citizens One Home Loans with the CFPB ( XXXX ) about their irrefutably deceptive behavior over the course of the last year. 

On XX/XX/2021 after filing this complaint, I finally received a loan modification packet prepared by XXXX XXXX, outlining the terms of an agreement to begin on XX/XX/2021. I signed this paperwork, and it was notarized by XXXX XXXX. ( Commonwealth of Pennsylvania ) On XX/XX/2021, XXXX XXXX signed the same packet on behalf of Citizens, and it was notarized by XXXX XXXX, ( Commonwealth of Virginia ) On XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX sent a letter out to the CFPB and I saying the loan was undergoing a modification with an estimated completion prior to XXXX XXXX, implying the issue had been resolved. 

The letter also stated that a review of my account shows " many customer service representatives tried to return my calls, they were not answered and the voice mailbox was full and a message could not be left '' This is an undeniably false statement. Not only do I have an unlimited voicemail plan with my carrier, but I have answered every single phone call at every hour of the day and night for the last 14 months and will happily provide phone records confirming material fraudulence. 

XXXX XXXX called me today, after sending this letter to both me and the CFPB to tell me that despite having a mutually signed and notarized agreement, the modification was still 'going through processing '' and it may or may not be completed by XX/XX/XXXX. 

I asked her what else needed to be done for the modification to be official and valid, considering both consenting parties signed and notarized the documents, she was also unable to answer my question. 

When I asked her what further processes the paperwork I and Citizens both signed and had notorized needed to go through to confirm the modification she was unable to answer my question. 

She said she was not able to confirm my payments would resume on XX/XX/XXXX, as stated in the paperwork both XXXX and Citizens one home loans signed and notarized. 

Based on these responses, it's hard to tell if the purpose of the paperwork was to run the clock out on the CFPB complaint or to actually create an agreement between the two signing parties. 

Based on my experiences with this company over the last year and a half, I have no reason to believe this loan modification will go into effect on XXXX first. 

If past behavior is any predicator of future behavior, I would say there is a high probability they are going to attempt to use vague and obscure technical jargon which they are unable to even define or parameterize as plausible deniability to delay this process even further.
Consumer complaint received 2021-08-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

I have my mortgage now with Lakeview. I began a refinance search since the rate is 2.85 %. Lakeview reach out to me after being a customer for about 5 year or more, never making a late payment and paying more then what the monthly statement asked. I've given them all documents needed. My credit score is a XXXX. 
What was stated to me by XXXX XXXX, Lakeview wanted a break down of two years of overtime XXXX, XXXX & XXXX. The reason XXXX I grossed XXXX and XXXX I grossed XXXX. I advised XXXX your looking at my pay where it shows I made {$40.00} per hour.
Consumer complaint received 2021-08-19
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. (IL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (UT)

In late XXXX of 2022, I had XXXX come out to my home in order to install a new air conditioning unit. 
I opened an account with them to finance the item, and the agreement was that the unit would be purhcased and installed. 
After the installers left my home, I noticed that there was nothing hooked up. No connections, and no hoses were properly installed on the unit. This was in the middle of the summer, and because of this I had to make arrangements for my children to stay somewhere else because the home was too hot to comfortably stay in. 
When I reached out to XXXX to get them to come and finish the job/install the unit correctly, they told me no and they began reporting the debt on my credit report as an active account with Synchrony Bank XXXX SYNCB/XXXX on credit report ). 
I explained to them that my agreement was for the installation, and that it was unethical for them to request payment when they did not do the job they were supposed to do. 
Because they continued to refuse the service they had agreed to, I was forced to hire and pay for a third party contractor to come to my home and finish the installation job.

They are effectively ruining my credit score by reporting late payments/first month default month over month on an account that does not reflect the agreement of services.
Consumer complaint received 2021-08-19
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. (MS)

I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.
Consumer complaint received 2021-08-19
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 for the 609 LETTER regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2023-10-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MD)

This debt servicer has been violating my privacy and alleging a debt is owed. 

But I have no agreements with them or the debt collector, or the alleged original creditor. 

I do not recognize this debt. They are violating my privacy, and using harassment sending multiple emails and letters to me after I requested they stop all communication. 

I am requesting complete debt validation along with a written request for information under Truth in Lending Act. 

They have 30 days to respond from today. Delivery in this Consumer Finance Complaint portal confirms their receipt of this request from the federally and state protected consumer. 

The attached screenshots show what information and documents were requested to validate the creation of this alleged debt, its sale, and assignment, and any agreements to support that. 

I believe LVNV Funding is misrepresenting themselves as another company to attempt to collect their own debt and make it seem like a third party is collecting because the email on their licensing page says resurgent.
Consumer complaint received 2021-08-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (SC)

I had this loan with XXXX XXXX and it was transferred to First Mark Services in XXXX. Since then, I've had several issues with FMS doing whatever they felt was needed without asking permission. They've changed the terms of my repayment without notification or asking. I submitted a prior CFPB complaint when this happened. I also noted in that complaint that FMS 's actions violated my contractual agreement with XXXX XXXX and potentially nullified the contract itself. On XXXX I called in and spoke with XXXX about my monthly payment suddenly changing from {$170.00} to {$120.00}. XXXX told me that every XXXX the loan was reamortized which resulted in ~ $ XXXX/month reduction. She also claimed this is something that happened with all servicers in XXXX, but is not something I dealt with previously. Once my loan was set at a fixed interest rate and term - there should be no reason for my monthly payment to fluctuate. This is not the first time FMS has stepped outside the original terms of my contract, therefore I am reserving my right to declare this contract null and void. I had to call back and read this over a recorded line to XXXX for accuracy.
Consumer complaint received 2021-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NY)

Payment in the amount of {$900.00} made to Wyndham Rewards business card on the XX/XX/XXXX, I think the website migration has messed up everything. It's been a week and the available credit still does not reflect the payment amount. Tried calling but the customer service has no clue about the situation.
Consumer complaint received 2021-08-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received the prepaid card on XXXX OF XXXX since then have made on time payments. However XX/XX/XXXX billing cycle I paid balance in full and waited for my available credit line. Well after 3 days of not being able to use my card I was charged {$4.00} in erroneous charges cash back interest rate, which Ive never seen since Ive had the card in addition to billing consumers on a 25 day calendar period and not 30 day. My {$25.00} payment I was told was a minimum payment, customer service said that it was a late fee. But when I utilized the capital One Mobile app is SPECIFICALLY SAID MINIMUM DUE {$25.00} so thats what I selected to pay on XX/XX/XXXX and {$230.00} on XX/XX/XXXX on XX/XX/XXXX it reflect the {$4.00} balance AFTER I HAD ALREADY PAID IN FULL!

2 : I NEVER RECIEPTS A LETTER STATING THAT THEY CONDUCTED A REVIEW OF MY ACCOUNT TO INCREASE CREDIT LINE 3 : operates on 25 day CYCLE NOT 30 days 4 : NO DIRECT IMPACT TO MY SCORE AS IT ALSO REPORTED So at this point CAPITAL ONE HAS DEFRAUDED ME ON SEVERAL OCCASIONS AND HAS VIOLATED MY SCRA RIGHTS AND THEY ALSO MISLEAD ME THE CONSUMER AND FRAUDED ME AT THIS POINT AND I DEMANDING TO BE COMPENSATED
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (VA)

still waiting to receive status of previous request for complaint about XXXX. Previously, I wasn't able to get ANY reports from this website. Now, I am able to selectively receive reports. As an example, today I was ab le to obtain my report from XXXX, but when I tried to get the same report from Equifax, I got an error message. I will try to attach screenshot of such message if your system accommodates the file size of such attachment. I will also try to get XXXX  report from same website but not sure if I will be successful. If these companies make billions of dollars in profits every year, they should at minimum be responsible for : 1 ) keeping our information secure : in the case of Equifax, they failed ; and 2 ) have a robust enough website to allow multiple users to access the information they are mandated by law to provide in a timely and convenient way ( online ) for consumers. So far, this has been spotty at best.
Consumer complaint received 2021-08-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (GA)

We currently have excessive fraud to include mortgage fraud. We are requesting all documentation pertaining to property located at XXXX XXXX XXXX XXXX Ga XXXXThis house was stolen and sold in XXXX, My spouse filed Bankruptcy and the home was abandoned by the Trustee. The home was not abandoned by us. There were utilities on and the yard was being maintained. In addition, to our updated contact numbers and address. We were not notified of any court dates. My spouses bankruptcy case is still open.We have no documents regarding this loan with WELLS FARGO FINANCIAL GEORGIA XXXX INC, INC We did not take out additional loans on the home. The home was purchased in XXXX. It was sold by XXXX XXXX XXXX located in XXXX Ga. We will told the home was foreclosed on however, this was not the case .XXXX XXXX XXXX US FED BRC XXXX  XXXX OF GA XXXXWELLS FARGO FINANCIAL GEORGIA INC ACCT NUMBER XXXX XXXX XXXX FOR YEAR XXXX. PLEASE NOTE PROPERTY LOCATED AT XXXX XXXX XXXX XXXX, XXXX GA XXXX WAS ALSO STOLEN.
Consumer complaint received 2021-08-19
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: EQUIFAX, INC. (PA)

What the XXXX is going on? I sent you a letter regarding inaccurate things on my credit report on XX/XX/2021 but to this day over 45 days already, I still got no response. I was told by an attorney that consumer law obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit. you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by Equifax data breach and may got into hands of the wrong person and its your obligation to fix all these errors.
Consumer complaint received 2021-11-11
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: NAVY FEDERAL CREDIT UNION (NJ)

I have already 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. This is unacceptable! Please fix this.
Consumer complaint received 2021-08-19
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. (PA)

What the XXXX is going on? I sent you a letter regarding inaccurate things on my credit report on XX/XX/2021 but to this day over 45 days already, I still got no response. I was told by an attorney that consumer law obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit. you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by XXXX data breach and may got into hands of the wrong person and its your obligation to fix all these errors.
Consumer complaint received 2021-08-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revco Management, LLC (NC)

After Revco Solutions communicated to me about how they are terminating collection efforts after my cease and desist. I noticed something very odd. I received the letter stating false numbers and figures ( 15 USC 1692f ( 1 ) ) as if the debt was still owed under my name. They did not validate the debt according to 15 USC 1692g therefore the balance should be {$0.00} and/or account should be deleted/terminated. I expressed this is my cease and desist letter. Not only did I receive false figures. I also was sent a medical statement of all my alleged debts. It had my medical records also attached which is a violations of privacy laws under numerous acts such as the FDCPA and HIPAA. I have attached the invoice of these violations as well as the letter for proof.
Consumer complaint received 2021-08-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Debt Mediation, Inc. (CO)

Professional debt management vompany is trying to collect debt which i dont owe, as during covid i was not even able to pay my rent so inhad to move out of my appartment buipding and i had to pay last month rent. And i agreed to it and they agreed too, an dsuddenly now they want to collect 3 months rent, its against the situation, i dont even have a jon, how i can pay that much, this is killing me. They have threatened me that i will not be able to rent or buy a house whole my life, they will ruin my credit
Consumer complaint received 2022-06-28
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 719transunion has me at a score around 590. 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 XXXX 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 .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 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 n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.