davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-12
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA (CA)

I Received a call from a XXXX at PHEAA, number XXXX with information, I thought was, regarding my impending hearing to address the consolidation and the converting of both my federal and private loans and the documents and notes that had been altered. He became insulting, bias, intrusive, judgemental and condescending, yet I remained calm throughout the conversation. I listened, tried to obtain answers, as to my hearing date. He told me mid to late XX/XX/XXXX. And, until then, I can send in any other documents. He told me to call the XXXX number and ask for the Hearing Dept. if I had any further questions. Today, XX/XX/2019, I receive a call from PHEAA regarding I set up a payment plan, as provided by a XXXX XXXX at PHEAA. He did not address my impending hearing or the fact that I had spoken with a XXXX the day prior. I told him to stop calling the XXXX for collection demands and that I have documentation in file and that I did not have to provide him with my E-mail address when he asked for it. He placed me on hold, when he returned, I was told XXXX was not available but, XXXX wants me to set up a payment plan. I contacted the Default collections Dept at XXXX and spoke to a XXXX. She basically told me the same thing as XXXX XXXX. I had not received any recent calls, that I am aware of, from PHEAA until yesterday, XX/XX/2019. Now, the harassment is starting again. And, no hearing, no information provided.
Consumer complaint received 2019-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed some inquires in Late XX/XX/XXXX to remove some inquires due to a Victim of their Inquiry issue. I received a letter it was not resolved a deleted. Here are the in inquires XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX   XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-10-23
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: EQUIFAX, INC. (VA)

Certainly! Heres a template for a dispute letter regarding inquiries on your profile. Feel free to customize it to fit your specific situation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XX/XX/year> XXXX, Equifax, XXXX Subject : Dispute Regarding Inquiries on My Profile Dear Consumer Finance, I hope this message finds you well. I am writing to formally dispute the inquiries associated with my profile, which I believe to be inaccurate or unauthorized. My profile details are as follows : Name : XXXX XXXX XXXX XXXX : XXXX Upon reviewing my profile, I noticed multiple auto loan inquiries such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Also personal information is accurate as well. Addresses, phone numbers, as well as Names are incorrect and need to be corrected and removed as well as the hard inquiries. These discrepancies have raised concerns for me, and I would like to address them promptly. 

Section 609 ( a ) of the FCRA generally requires consumer reporting agencies to, upon request, disclose all information in the consumer 's file at the time of the request and the sources of the information.

I kindly request that you investigate these inquiries and provide clarification regarding their legitimacy. Additionally, if any inaccuracies are found, I ask that you take the necessary steps to rectify my profile accordingly. 

I appreciate your attention to this matter and look forward to your prompt response. Please feel free to contact me at XXXX or XXXX should you need any further information. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account name : XXXX Account XXXX : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Consumer complaint received 2019-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (OR)

I have 3 mortgages with Caliber Home Loans, XXXX XXXX XXXX XXXX, OK XXXX. 
The website and telephone system is unfriendly to me as a consumer, and difficult to navigate. I've tried several times to set up my payments as biweekly ACH autopay, and have been unable to do this because their system requires that I am ahead 2 months in my payments, AND that the next payment is due. So there is a narrow window of a few days in which to accomplish this, ( both after I've paid and after I wait until the next payment is due. ) This can only happen if I pay online, with an extra charge for online payment, and its still difficult times correctly. 
Whether an account is on ACH autopay is not reflected anywhere on my printed statements, or in any of the account details on the account website. ( Autopay accounts I have with other companies will say on the statement " Do Not Pay - Auto Pay. ) The only way I can check this is to telephone a representative and ask. There is always a very long wait through many prompts before I can speak to a representative, and the Caliber phone system is only available Mon-Fri XXXX to XXXX XXXX, Central time, inconvenient for me, as I live on the west coast. 
When I finally get to a representative, they are always helpful and professional, but the Caliber Company has not invested in a user friendly website, which would probably actually save them money in fewer calls to their reps.
Consumer complaint received 2019-07-12
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. (NJ)

THE DISPUTED ACCOUNT AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THOSE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2019-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL (RI)

We did not even file XXXX XXXX There is another person with my name that did and it was filed under me instead of them. 
Credit cards were stopped, couldn't pay them, Did file for bankruptcy in XXXX so now it shows we filed that as well as chapter XXXX when I didn't! 
Was working to fix my credit and working hard on it! 
Now it's showing that and not allowing me to pay and show my credit cards!
Consumer complaint received 2019-07-12
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2019-07-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I have paid the full balance {$390.00} on XX/XX/2019, I have a statement that has been sent to me that will be uploaded on Monday that shows this, I received a new statement the following month with a late fee of {$27.00}, I failed to realize that and contact the company about the late fee, also why would there be a late fee if I have paid the full balance, the company continued to add late fees to late fees, after which the phone calls started to convince me to pay the all the late fees, I have tried to explain to the people on the other end that it is not right to pay late fees to late fees and they should be reversed, but I was warned that if I did not take care of these there will be additional late fees, I would like Consumer Finance to investigate this matter as it XXXX fall in predatory landing practices, also they have added a late fee charge to my credit report, even though I was not late and the balance was paid in full. 
I have filed a complaint with XXXX, but they are of no help, they have closed my complaint without a resolution until 90 days pass and whether or not the business decides to respond after which they will try again, I guess?
Consumer complaint received 2019-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (AZ)

I have no account with Home Depot/CBNA. I keep getting credit alerts through my bank that I have a new account ( dated XX/XX/2018 ) and this is incorrect. 
This is damaging my credit score.
Consumer complaint received 2019-07-15
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WI)

I was supposed to get my disbursement funds on XX/XX/2019, according to the contracted paperwork signed by everyone involved. As of close of business XX/XX/2019 I had not received my disbursement funds to my bank account via wire transfer. Friday afternoon I did call XXXX XXXX? and USAA and My Bank to find out where my funds were at? They all blamed each other. XXXX XXXX  had my money, but blamed USAA for the late delivery, USAA blamed XXXX XXXX because they had the money, XXXX XXXX blamed XXXX Bank because they had " special needs '' wire transfer. I vocallay argued with USAA the fact that XXXX XXXX wanted to hold my funds for the weekend and this should be illegal. They said it is, but I told them, " I bet you I don't see my funds until Monday morning because they want the interest off the of it '' and that's exactly what happened. Monday morning boom ... there is my cash in my account. Magic. Also ... the lack of information from USAA to the consumer are astounding. I still have to idea about my escrow accounts. One of the loan officers I dealt with stated that I did not pay closing costs, they were rolled into the refinance. That means I am paying for them. I'm at a loss right now with USAA/XXXX XXXX and whoever else was involved ...
Consumer complaint received 2019-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

Alleged Auto Policy was engaged by XXXX XXXX, and dancelled by Insurance company prior to first 30 days, I did not authorize a policy, they canceled and then attempted after a few months to collect a full years worth of coverage payment ... which was not ever used ... then 1 year later after cancel sent it to CCS a 3rd party collection company to attempt to collect {$140000.00}, I received a letter from them and phone calls began on XX/XX/2019 several calls already, I called then and told them to cease and desoist, I was advised that it may be reported as a debt to the Credit Reporting agency ... Im fed up with these lies, I had to go to DMV motor vehicles past year to show NJ proof of Insurance coverage, last May ... to bio t get my ; incensed suspended, I avoided that and NJ dismissed the claim and sent a caution back to XXXX XXXX for a false notification ...
Consumer complaint received 2019-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (VA)

Thank you for your response on XX/XX/XXXX via CFPB. 
Please find attached XXXX of Attorney from widow of XXXX XXXX to XXXX XXXX as you requested. 
We still need to be answered following questions please reopen your case about our complaint.

CFPB Complaint Numbers : XXXX and XXXX XXXX. Copy of all documents youve shared with Law of XXXX A. XXXX, XXXX without our permission. 
2. XXXX XXXX XXXX is a real organization? The XXXX XXXX given was XXXX XXXX, certify mail with Return receipt never return. 
2. You are not the only one claim to be the note holder, how do we know who is the legitimate note holder? 
3. Actual Borrower is passed away ; dead person couldn't give any authorization to discuss subject loan 4. According to Gov Rules and Regulation, Loan Servicer do not have the power to foreclosure any property, who is initiate the last foreclosure sale. 

If you don't respond this issue properly, we might see you at the court. 
That is the recommendation of a CFPB officer If you are the right party ( we need to verify ), we demand following as the solution of the issues. 
1. Stop fraudulent Collection Activities. 
2. Fully disclose the Full Legal Name and contact information including website address of Legal Note Holders. 
3. Honor Flex modification that XXXX XXXX  promised on XXXX XXXX https : XXXX % XXXX % XXXX % XXXX? XXXX 4. Or if you paid to XXXX or XXXX XXXX, wed buy you out the price you paid to them. 
5. Or Under the Truth in Lending Act pursuant to 15 USC 1601-1667j ( full disclosure ), We have a right to  know who the true party of interest in this transaction is. As such, We are asking you to stipulate whether you are the holder in due course for my promissory note. If you are not the holder, then you admit to being the servicer of this obligation. 

Please also stipulate for the record whether or not our loan has been securitized, and if so, the name of the XXXX  our loan is bundled with. 

If our loan has been securitized, then please provide us the pooling and servicing agreement that names our loan as well as any documentations that explicitly gives you the right to service our loan as well as enforce the promissory note in the event of a foreclosure. If you are hiding these facts from our despite our request, then you are hereby notified that you are committing fraud and shall be named in a wrongful foreclosure civil action.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-07-12
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. (NY)

I filed for a chapter XXXX Bankruptcy back in XXXX it was completed in XXXX. Since then I have been arguing with Transunion they show my Mortgage as a missed payment in XXXX. I have never missed a payment furthermore they continue to show outdated information my current balance is also incorrect. Never the less according to the NYS law they can not proceed to report this account as it was included in the bankruptcy and the attempt to do so is in Direct Violation of the discharge, this is also stated in the Fair Credit Reporting Act as a Violation and I should have grounds for them Violating the discharge. I have spoken to the other 2 credit monitoring agencies and they show as closed included in the bankruptcy however here I am still fighting with nasty people from Transunion they are hurting my credit and I was also given a very high interest loan due to this as well they should be held responsible Transunion and my mortgage company XXXX both are in violation for in accurately reporting my account I have never been late after the discharge. 
When you file for bankruptcy, you are required to list all of your debts and this includes your mortgages. When you receive a discharge in bankruptcy it also discharges your personal liability for the mortgages on the home. It does not remove the mortgage lien that exists on your home. This means that if you fail to make the payments on the home, then the mortgage company can foreclose on the home but can not pursue you for any deficiency judgment. 
Mortgage companies will not report your mortgage payments because they are concerned that it violates the automatic stay or discharge injunction. The concern is that reporting the payments on the credit report can be treated as an attempt to collect a discharged debt. This can subject the mortgage company to a discharge violation in bankruptcy court. Reporting negative information for any mortgage payments that are late can be treated as a discharge violation.
Consumer complaint received 2019-07-12
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. (OK)

I have a hard inquiry from XXXX XXXX I have been disputing since XXXX with transunion and XXXX   that XXXX  XXXX verified as fraudulent and said they contacted credit to remove. Still has not been taken off my credit by either company
Consumer complaint received 2019-07-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (CA)

GM Financial auto-pay does not permit an indefinite reoccurring payment schedule like all other credit accounts. The reoccurring payment end date was created by GM Financial circa 2017 upon the opening of the loan account and not properly disclosed ( after 3 years of GM auto payment for the lease ). After a total of 5 years of reoccurring payments, there was no notification made by GM that a monthly auto payment would not take place. After the payment was missed, GM did not electronically notify me or call to say that the payment did not take place. Two days before the account was going to be 30 days delinquent, a representative left a nondescript voicemail ( saved ), not identifying themselves, or their place of business, only saying to call them back. This was assumed to be a scam call. It was only discovered after speaking to several GM customer services representatives that this was their one attempt to contact me. I only discovered I had a 30 day late account by a credit monitoring email ( XXXX XXXX ). I paid the bill in full as soon as discovering the issue and contacted GM the next day. The late fee was reversed after acknowledgement that this was incompetence on GMs part but my credit report took a major hit due to the 30 day late payment history. Several phone calls to GM customer service management yielded no results to correct the issue. Disputes with the credit agencies havent had positive results either.
Consumer complaint received 2019-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

I previously filed a complaint with the Florida Attorney General 's office in XXXX of this year against my mortgage servicing company Wells Fargo for incorrect negative credit reporting. They agreed ( in writing ) as well as advised the FL AG office they would do so as I have been attempting to get them to do the right thing by me since Hurricane Irma when they began a campaign to steal my homesteaded property from me. ( Which is actually the second time they have pulled stunts and tried to steal my home ) I have filed a lawsuit against them which is currently in US Federal Court at this time. I am seeking damages from them for the negative credit reporting, as well as many other violations and negative actions they have used to attack me for the past 2 years. 

Despite all of this, they believe they are above the law ( their Attorney actually claimed in a pleading that they are National Bank and therefor are allowed to violate anti-fleecing laws ).  However, they are not a bank- in this capacity they are acting as a mortgage servicer, which does not give them the right to price gouge or otherwise engage in attempting to steal hurricane victims ' homesteaded property. 

Additionally, due to their actions of reporting false negative credit information I have been negatively affected in my day-to-day life. I am paying more for insurance that I should be and just lost the opportunity for a new job. 

Please make them keep their word to both me as the consumer and to the FL AG office to suppress any and all negative credit reporting until my court case is resolved
Consumer complaint received 2019-07-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (FL)

On XX/XX/19, I traded in my 2012 XXXX to XXXX XXXX. Shortly thereafter, I receive notice from my credit reporting agency that my account was hit for a 30 day late mark on this account AFTER I no longer owned the car.