davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: InDebted Corporation (OH)

XXXX, XXXX  I reached out to the XXXX credit bureaus requesting the latest updated version of my credit report, after reviewing my credit profile I noticed an erroneous creditor ( Delta Outsource Group ) jeopardizing the integrity of my credit profile, by law if the FCRA I have the right as a consumer to challenge any information thats does no appear to be accurate so I sent in a letter via asking that this information pleased be removed on XXXX from my credit profile I sent the letter to the direct furnisher asking that this account be removed do to its inaccuracy, after days gone by, I received correspondence on XX/XX/2021 saying that the letter didnt provide sufficient information to investigate, so I submitted another request in addition to get a resolution for this erroneous account, unfortunately I was unsuccessful again for the second attempt, I got replied the same response as before so I Battled with this furnisher for months going back and fourth getting nowhere wasting time, energy and money that I did not have in a spike of a pandemic jeopardizing my health and families, Till finally I received a letter stating that they had a chance to investigate this matter and made some adjustments and modified the loan and switched information around that they reported accurate in the past! So how was this information verified accurate in the first place? Before investigating this information I was told this information was verified accurate, which was contradicting to themselves and also I notified and disputed this account with the Credit reporting agencies figuring Ill at Least get a fair investigation, upon a additional 30 days unfortunately I had no luck and was giving the same contradicting response as the furnisher I feel the XXXX CRAs have not only violated my rights as a consumer with what they have allowed this furnisher to report on my credit profile putting me and the integrity of my credit at great jeopardy but also they have violated FCRA LAWS and Consumer I feel the proper actions should be taking against them. I received a letter from a new creditor name ( Delta Outsource Group ) that I had no acknowledgement of requesting a unknown debt to be paid I challenge them and they stated they now manages the old Creditors account under a new business name because the debt was sold to them which I never gave any consent or authorization to do business with this new creditor in the first place not even verbally so how can you say a debt is mines?? so when I challenged this issue with them they told me they will no longer reinvestigate and that the collection will remain on my credit report which is very unfortunate. I have been going back and fourth with this creditor that I have no acknowledgment of and its not getting nowhere. I have invested time and money into this battle I have proof of USPS receipts, Im asking that you please remove this account off my credit report.
Consumer complaint received 2022-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent my first round of dispute letters to each credit reporting agency in XXXX of XXXX  stating that a bankruptcy on my credit report wasn't verified and to provide me the physical proof of verification. Within 3 weeks each credit bureau stated that it was verified via XXXX XXXX. I contacted the court that was listed on my report asking them to provide me with their method of verification to which they responded with a letter stating they do not physically verify with credit bureaus. I sent a second round of dispute letters in XXXX of XXXX  along with the letter from the court stating I wanted the proof of physical verification. Its been 3 weeks and i called today to follow up. I spoke to two separate individuals both providing me with generic responses " it can take up to 30 days for a dispute to be updated '' I said I provided documentation from the court and I was told " credit bueaus dont process documents or review them we just upload them into your file '' I was told that XXXX, TU ans XXXX  gets their information from XXXX XXXX which is a third party vendor who still doesnt physically verify. The credit bureaus are refusing to delete the bankruptcy yet they arent physically verifying nor are they providing me proof that they actually investigated each time I've disputed.
Consumer complaint received 2022-03-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (CA)

In XXXX, XXXX, I signed on to my Nelnent online portal and increased the amount of my auto-debit from my min payment ( $ XXXX ) to $ XXXX. In XX/XX/XXXX there was no auto debit from my account. 3 months of and multiple calls/chats later, my auto debit issue is fixed ( it was an issue on the Nelnet side XXXX not the bank side ). 
Now my monthly payment has gone up from $ XXXX to $ XXXX. 
Upon contacting Nelnet, it seems my loan was re-disclosed on XX/XX/XXXX and the terms changed from XXXX payments remaining in XX/XX/XXXX to XXXX payments remaining in XX/XX/XXXX. 
The problem is I can not afford the new terms. 
This seems wrong and illegal to rewrite terms that I signed many years ago. 
Nelnet has told me the only course of action is to either put the loans in forbearance or to do a Direct Consolidation Loan. 
Do I have any rights here?
Consumer complaint received 2022-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

In 2020 we received a court order as part of our divorce that directed my name be removed from any join accounts and that my ex wife. XXXX XXXX would be fully responsible for any charges or transactions on those accounts after the date specified by the courts. We went to the local Bank Of America branch and completed paperwork to remove my name from both the join checking account and the credit card. My name was removed from the checking account but not the credit card. 

I did not learn that they had lost this paperwork until just recently ( over two years later ). I contacted Bank of America. I completed the necessary paperwork and included the documentation from the court ordering all of this. Bank of America refuses to remove my name from the account without approval of my ex-wife despite the court orders. I no longer have any way to contact my ex.
Consumer complaint received 2022-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (PA)

This is a complaint on how Homepoint Financial refuses to correct a report to the credit agency, which has dropped my score XXXX points. 

In XXXX I made my regular mortgage payment - {$1400.00} + {$100.00} extra to be applied to principal. 
When I wrote out the check- I wrote the numeric portion correctly, {$1500.00}, but the cursive part I wrote as XXXX XXXX XXXX XXXX and XXXX/XXXX. I was heading out of state the next day for an extended trip and it was just an honest mistake. I even wrote the correct amount of {$1500.00} in the tear off statement sheet I mail with the check. 

Since, as I mentioned above, I have been away from home since mid XXXX, I had not received mail and did not know that I had made this mistake. I called Homepoint to get the correct mailing address so that I could mail my XXXX mortgage payment. This is the first I heard that I was past due. Apparently, Homepoint uses the cursive portion vs the actual numeric number. When I heard this, I immediately had them deduct the " shortage '' from my account. 

I never received any notice from them on this. They said they sent a letter, but as I mentioned above, I have not been home since XXXX. I did not receive any emails, or phone calls from them. 

That's when I found out my credit score dropped so much. I have asked them repeatedly to re-report to credit agencies as this was a simple and honest mistake, not in any way for me not to pay the correct amount. Every representative I speak to says they understand and they can see that there was no intent to short the amount, but their hands are tied. I get absolutely no where with them at all. And when they say they are investigating and even say to me that there are too many calls with me to listen to all of them. This is so important to me and they don't call me back with resolutions, I give them a week to do, and then after that, I call back and go through it again. 

And this is only one issue I have with them. I also have an escrow issue that they had wrong information ( by {$3000.00} over charge ) that they see is wrong, but has taken them months to correct and is still not. It's like there is one person working here and no one has any authority to do what is right.
Consumer complaint received 2023-07-21
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. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

We filed and were approved for forbearance by our previous mortgage company XXXX XXXX XXXX XXXX XXXX ) and while in Forberance in XX/XX/2021 our mortgage company reported that we had a late/missing payment for the month of XX/XX/2021. Since then, I've spoke with MULTIPLE people from the company who have assured me they made a mistake and will get it fixed and it CONTINUES to not be fixed. I've lost XXXX points on my credit score with Experian and when I talk to them ( which I have multiple times ) they tell me to file a dispute and it's been rejected I think 3 times now EVEN after XXXX tells me it'll be fixed. Don't know where else to turn but XXXX is not getting it fixed and has even rejected to return my calls the last 2 times I've talked to a manager. 
I also have a file I'm attaching SHOWING they've admitted they were wrong about this situation but still haven't gotten it fixed even after assuring me numerous times they would.
Consumer complaint received 2022-02-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (MA)

I had filed a complaint a few months ago about my bank. 
Back in XXXX and XXXX and XXXX of 2021 my bank account was hacked by someone and I had noticed it in XXXX. I had filed many disputes from XXXX till XXXX possibly into XXXX and I had filed a police report about it in XXXX. Due to not having all of my bank statements they had made a report for over XXXX $ which all together XXXX $ was the whole total. The bank had told me that it was not fraud and it was authorized when it wasnt. It was and is fraud. Once I had noticed it I had called right away. Ive gone into the bank in late XXXX all the way into XXXX mid XXXX to file another dispute to try to get my money back that was stolen from me and the women whom I spoke with said she had filed another dispute and when I had called customer service they said there wasnt an open case. Which there should have been. 

XXXX $ was stolen from me out of my savings account into my checking account which was taken from cash app. To 3 people who I have no idea whom they are. ( sherod young, XXXX XXXX and a XXXX psychic. ) Ive contacted a lawyer and the police department about all of this and I still have yet to receive my funds back nor heard from anyone about this on going issue. All I want is it solved and my money back that was stolen from me and my children. Im filing this complain and will be filing with the treasury of banks and with the state attorneys office and the USA department of treasury to see what else I can do to get my funds back. The funds that were stolen I DID NOT AUTHORIZE for cash app. Ive contacted cash app and they have nothing for protection and had told me to contact my bank and get help that way. I had letters from the bank stating that they had looked into it and seen that fraud wasnt a factor and I contacted them again to talk to someone about it and XXXX has contacted me to talk to me about it. Ive been waiting since my last dispute to speak with someone and no one from td bank has reached out. Im a single mother of 3 kids and I work very hard for my money to support my family and for my bank not to help me and get my money back for my children is disgusting to me. Td bank lets people steal money from people and let them get away with it and blame the person whom is fighting to get there funds returned when its not the persons fault. They should be ashamed of themselves.
Consumer complaint received 2022-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION (IL)

Ive sent Navy Federal two letters No certified mail and they have not been able to validate the debt they claim I owe there for the debt it shouldve been zeroed it has not been cleared! They sent statements and statements do not validate debt! That credit card bill has already been paid from my social security trust account that was created at birth thats why they cant validate it! Theyve been taking money out of my checking account and putting it towards the credit card bill ILEGALLY WITHOUT MY PERMISSION ALL ILLEGAL ACTIVITIES NEED TO CEASE.
Consumer complaint received 2023-07-21
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. (WI)

I am currently a operating member of a LLC listed as personal guarantor for a XXXX  XXXX XXXX auto loan. The loan is listed as a personal joint loan on my personal credit file. I contacted XXXX twice and they tell me that everything appears to be in order with my loan and that I must dispute with the credit agencies. The credit agencies ( all 3 ) tell me the listing on my report is correct and that I need to work with XXXX to rectify. I am not sure who should own this but its affecting my personal credit standing due to this auto loan.
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (SC)

I informed all three bureaus that I was challenging the accuracy, compliance and reportability of an alleged bankruptcy. All three bureaus told me that they verified that information. I then sent a second letter to each bureau requesting the description of the procedure used to determine the accuracy and completeness of this information and a copy of any documents bearing my signature that would prove any validity to their claims. I also informed them that an XXXX verification is unacceptable and requested a reinvestigation and the Method of Verification. 
I notified them that failure to do so within 30 days would result in legal action being taken. None have removed it and I have received letters again stating that they verified the information with XXXX. So XXXX is illegally furnishing them with inaccurate and unreportable information and all three bureaus are in clear violation of the law by failing to comply with my requests to remove this defaming information, negligently enabling identity fraud.
Consumer complaint received 2021-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

. Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : 3. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 4. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with affiliates will ensure my privacy rights won't be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expending the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Capital One is in violation of 15 USC 1692e ( 11 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit B that Capital One is in violation of 15 USC 1692b ( 5 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit C that Capital One is in violation of 15 USC 1692h
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (NJ)

XXXX reports one 30 day late payment to XXXX  Credit Bureau in XX/XX/2020. My payment was not late. My Lease expired XX/XX/2020 and was renewed for 6 months due to COVID. Lease extension was renewed for original lease amount of {$370.00}. Lease extension indicates additional amounts for taxes and fees may be due. I never received monthly statements under the extension until XX/XX/2020 but continued to pay the {$370.00} per month per the extension. I received calls in XX/XX/2020 that I owed money without explanation or any billing statements. Upon investigating, the amount due was for four months sales tax equalling {$99.00} which I promptly paid. The 30 day late payment reported to XXXX  indicates/implies I was late for my $ XXXX  monthly payment which is incorrect. I provided this information and explanation to KIA but they insist the report is accurate without explanation. I contacted them but to no avail. I filed a dispute through XXXX  and got the same result two times. XXXX  advised that KIA gave no explanation except that the report is accurate. KIA fails to acknowledge the issues and circumstances of the extension and no billing statements with the updated amount due. I saved every billing statement from the original lease.
Consumer complaint received 2021-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I previously contacted Transunion on XX/XX/21 and XX/XX/21 about removing/Blocking/Deleting 3 accounts from my consumer report.

Pursuant to the FCRA 15 USC 1681a ( 2 ) under the Exclusions section it states : The term consumer report does not included ( A ) ( i ) any report containing information solely as to transactions or experiences between the consumer and the person making the report. Also under the exclusions section in the FCRA, 15 USC 1681a ( B ) it states : any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Pursuant to TILA 15 USC 1602 ( k ) " The term Credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining property, labor, or services on credit. Transunion has failed me as a consumer and violated my consumer right by allowing this information to continue to be furnished on my consumer reports, which has caused me great financial harm Also in response to my previous communications with Transunion, an investigation was allegedly administered. Pursuant to the FCRA 15 USC 1681a ( e ) it states : " The term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted with or who may have knowledge concerning any such information. However, such information should not contain specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer ''. To this date Transunion has never interviewed any of my neighbors, friends, relatives, or associates in relation to furnishing a consumer report in my name. Transunion has only received information relating to those accounts from the creditors and the creditors only which is another Violation of the FCRA.
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (PA)

Received letter from Macy 's stating a credit card application was submitted under my name, and Macy 's was unable to approve the application due to address provided on the application does not match address on credit bureau report. Since I did not apply for Macy 's credit card, this letter indicate someone was trying to open a credit card using my name.
Consumer complaint received 2021-08-31
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: EQUIFAX, INC. (GA)

Please help me with something. Equifax has they investigated. An account on my report from XXXX XXXX XXXX for the amount of XXXX!! I have a few problems with this, 1. Im a victim of identity theft!! 2.. Ive never done business with XXXX  or entered into a signed contract with this company!! 3. On XXXX XXXX XXXX delete account from my report. But Equifax sends a letter saying its verified. Equifax how did you verify, who did you speak with at the company, what proof did you receive showing I owe this debt. Per the FCRA you must report true and accurate information and you are in violation. I will just have to seek legal counsel, because you Equifax keep ignoring me!! Please see attached FTC report!!