davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-25
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Thaxton Investment Corporation (AL)

Let this be known 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 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, XXXX and autograph as the XXXX  XXXX XXXX  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, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont 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 expediting 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 it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, XXXX  XXXX failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
XXXX  XXXX Account Number XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
XXXX  XXXX Account Number XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXX XXXX, XXXX, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Consumer complaint received 2022-08-25
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: Creditors Bureau Associates (GA)

This is in regards to XXXX, they are reporting an error on my credit report. I sent them proof the other bureaus deleted this Creditors Bureau Associates, account for {$120.00}. They are refusing to delete this account after I let them know they are in HIPPA violation. It doesnt exist with the other bureaus. This is inaccurate false information being reported on me.
Consumer complaint received 2022-08-25
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (OH)

Shellpoint Mortgage aka Newrez received my mortgage on XX/XX/22. I received a letter from my original lender XXXX XXXX  stating that the effective date of transfer is XX/XX/22. The letter stated that according to federal law I have 60 days grace period before the new company can take any action against me for late payment. I set up auto-pay through the web portal but it did not go through somehow. After seeing that no withdrawal was made from my bank account I made my 1st and 2nd payment to Newrez XX/XX/22 after talking to a rep. The next credit refresh showed that they filed a claim against me stating that my payment was late. I called Newrez and on a recorded line the employee told me it was an error on their side and it should reflect as fixed on my next credit refresh. I waited till the next credit refresh and the late payment was still there. I spoke to a new employee on the phone and they stated that the late payment was correct but they would pull the recording and get back to me, which they did not. I have now emailed the company with the letter I received from my original mortgage company and my current credit report reflecting the XXXX pt drop in my credit score from this error.
Consumer complaint received 2022-08-25
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX  XXXX XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX has violated my privacy 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 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am in the XXXX XXXX  and a XXXX  XXXX Report # XXXX was pulled on XX/XX/XXXX. On this report was an account with creditor : XXXX XXXX XXXX with a balance of {$7600.00}. Open date of account was XX/XX/XXXX. I have never applied for credit of any sort with this organization. I called to have this disputed on several occasions and was told that it was because i had a loan with XXXX XXXX. 
I had a loan from XXXX XXXX for {$7800.00}. This loan was placed into a debt consolidation program with XXXX XXXX XXXX and was later settled with a collection agency : XXXX XXXX XXXX in the sum of {$4700.00}. I have attached all documents received to support my claim that this outstanding balance is null.
Consumer complaint received 2022-08-25
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. (TX)

I am in the XXXX XXXX  and a XXXX XXXX Report # XXXX was pulled on XX/XX/XXXX. On this report was an account with creditor : XXXX XXXX XXXX with a balance of {$7600.00}. Open date of account was XX/XX/XXXX. I have never applied for credit of any sort with this organization. I called to have this disputed on several occasions and was told that it was because i had a loan with XXXX XXXX. 
I had a loan from XXXX XXXX for {$7800.00}. This loan was placed into a debt consolidation program with XXXX XXXX XXXX and was later settled with a collection agency : XXXX XXXX XXXX in the sum of {$4700.00}. I have attached all documents received to support my claim that this outstanding balance is null.
Consumer complaint received 2022-08-25
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. (NC)

I have tried numerous times to get these negative items that are inaccurate off of my credit report. I have received no requested responses from XXXX, XXXX, or Experian! 

XXXX XXXX Experian XX/XX/2022 Re : Account # XXXX # XXXX # XXXX XXXX XXXX Address is NOT my address ; please remove immediately Dear XXXX Representative : This is a formal complaint about a duplicate collection account appearing on my credit report. This inaccurate reporting is penalizing me unfairly and illegally ; and this is causing me distress as it is damaging my credit. 

Delete the account stated above immediately. It does not belong on my credit report as it is ( 1 ) inaccurate, ( 2 ) duplicate, and ( 3 ) outdated. 

I look forward to a swift and amicable resolution to this matter. 


Sincerely,
Consumer complaint received 2022-08-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (FL)

I currently having issues with my mortgage company, LoanCare and HAF ( Homeowners Assistance Funds ) payments. I was sent confirmation on XX/XX/2022 that I was approved and payments of {$640.00} for the next 18 months would be sent directly to my mortgage service provider but as of today, XX/XX/2022 my mortgage loan is still currently late/past due, {$1200.00} and no payments have been made/accepted. Furthermore, due to this issue my credit score is being negatively affected.
Consumer complaint received 2022-08-25
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. (NC)

I have tried numerous times to get these negative items that are inaccurate off of my credit report. I have received no requested responses from Equifax, XXXX, or XXXX! 

XXXX Equifax XXXX XX/XX/2022 Re : Account # XXXX # XXXX # XXXX XXXX XXXX Address is NOT my address ; please remove immediately Dear XXXX Representative : This is a formal complaint about a duplicate collection account appearing on my credit report. This inaccurate reporting is penalizing me unfairly and illegally ; and this is causing me distress as it is damaging my credit. 

Delete the account stated above immediately. It does not belong on my credit report as it is ( 1 ) inaccurate, ( 2 ) duplicate, and ( 3 ) outdated. 

I look forward to a swift and amicable resolution to this matter. 


Sincerely,
Consumer complaint received 2022-08-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

On XX/XX/2020 I contacted Navient about my consolidated FFELP student loans. I inquired about the zero percent interest rate reduction due to the pandemic. I received a response that I did not quality. I was not informed that I needed to transfer my loans to the direct consolidation loan program to quality. As a result they have collected interest on loans and I have incurred additional debt that could have been avoided had I been informed of my loan options.
Consumer complaint received 2020-04-16
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCE CORPORATION (AZ)

I became involuntarily unemployed on XX/XX/XXXX, approximately 2 werks after finalizing and receiving a personal loan. I did not anticipate being unemployed for very long so I did not file for unemployment until XX/XX/XXXX. I prepaid a couple payments with money that I had saved and from cashing out my for 401K. 

By XXXX I realized I would not be going back to work any time soon. I then applied for the unemployment protection that I had purchased on the personal loan. I was notified that they paid one payment, refunded {$180.00} but I received no phone call or letter explaining anything from One Main or the insurance company they use. 

BUT On Friday the XXXX of XXXX I called at approximately XXXX XXXX and left a voicemail about the continuing claim. At approximately XXXX XXXX  XXXX XXXX, the office manager in the XXXX office of One Main Financial, called me back but apparently hadn't listened to the voicemail. However she informed me that the insurance company cancelled my coverage and refunded the balance of my premium after making XXXX 's payment. 

But XXXX did let me know they have a new program because of the Covid-19 situation to help their customers. 

All you have to do is run ANOTHER credit application and credit check to be approved for a temporary lower payment that COULD be as low as {$85.00} a month. On a temporary basis. 

So the only way they found to help customers is to try to force them into doing another credit application so they can maintain their sales quotas during this pandemic. 

This is unethical and taking advantage of people during a crisis.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

some how since XXXX of 2022 trans union erased my credit score i contact them many times they claim that they never had any score or credit history on my name i told them before XXXX every month my mortgage and credit cards and car leasing was reported ther so they told i need to call the banks to tell them that they need to retort it so i called them and they told me that they doing it every month for the last 20 plus years on my name. i will send you my also credit report that trans union have my score and all my loans, please help me here cause im getting denied on loans. 
thanks
Consumer complaint received 2022-08-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American First Finance, Inc. (FL)

American First Finance have not sent me the necessary information I need to validate the alleged debt. There is a closed account with American First Finance reporting as {$720.00} delinquent which is inaccurate. The debt was charged off and still reporting actively every month on my consumer report. With the account being charged off. I have submitted a 4506-T form to the IRS to get clarification of who received the 1099 form for that account being discharged. The {$720.00} was deemed as uncollectible by American First Finance. There was a write off received by the company. Which make it extremely deceptive for them to try to collect on a debt that is not owed. They have also violated my privacy by furnishing information the consumer did not get to dispute or opt out. They are continuously furnishing information to coerce me into debt that is already paid off
Consumer complaint received 2022-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Resurgent Capital Services L.P. (MA)

I received a bill from XXXX XXXX around XX/XX/XXXX in the amount of {$610.00}. I had paid off {$500.00} on XX/XX/XXXX and another {$300.00} on XX/XX/XXXX and disputed the remaining {$190.00} that remained. They had charged me {$30.00} a month for an item I never ordered. I never received another bill from them until this past XXXX. I called them and offered to pay {$200.00} to end the dispute and they refused and contacted a collection agency, Resurgent Capital Services. They in turn sent a demand letter on XX/XX/XXXX which included a copy of my mortgage statement. Please help me resolve this issue quickly, I am a XXXX woman, XXXX years old. Thank you very much.
Consumer complaint received 2022-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (CA)

They block messages comunication way This messages communication way is totally ok wayto contact them. This is in the agreement Apple card is working in a very suspicious way when i reported I lost my card they requested full payment and block my card then they sent me a message telling they cancel my card and still charging me for unauthorized transactions
Consumer complaint received 2022-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IL)

On XX/XX/2022, I made a payment of {$600.00} to ULTA Comenity Mastercard card Comenity, see statement. I inadvertently had not changed the account number to the new number. However, it WAS processed by Comenity and the payment was applied to the my NEW account number. The next two payments were not applied to my account, XX/XX/XXXX and XX/XX/2022. First payment for {$100.00} and second for {$1000.00}. XXXX told me they could not locate the payments and I was told to contact my bank which I did. My bank reversed the payments and shortly after Comenity applied a {$1100.00} to my new account. How can they apply an adjustment when the funds never made it to my new account My statement should be less {$1100.00}.
Consumer complaint received 2022-08-25
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. (PA)

There has been some information that has been reported on my file. I am a victim of identity theft with the incorrect items being put on my credit report. I have reached out to each credit bureau but no changes have been made. This time, I reported the theft of my identity to the Federal Trade Commission 's and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. On a personal level, my family and I have been in the process of making some very life changing decisions to provide a better lifestyle for us. I am a father of XXXX and I would like to provide a home for my family and I, however its been very hard with the incorrect items on this report. I would sincerely appreciate, if this report could be corrected immediately, as it is a hinderance on many levels.
Consumer complaint received 2020-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (IL)

We applied for the SBA PPP on the first day that the PNC system was accepting applications and was somewhat stable but not functioning 100 %. We spent approximately 4 hours on the phone with PNC tech support to get the application submitted on XX/XX/2020. The email confirmation we received stated that there was no way for customers to inquire as to status. Rather an email would be sent if any additional information was needed. We have received no emails requesting further information. PNC has now provided online access to loan status. Much to our surprise our SBA PPP loan is still " under review '' within PNC and has not been submitted to the SBA. We have an established banking relationship with PNC, yet PNC never submitted our application to the SBA for processing.
Consumer complaint received 2022-08-25
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act XXXX  XXXX Co L Account number XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX XXXX, XXXX XXXX XXXX Account Number 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 furnisha account without my written instructions
Consumer complaint received 2022-08-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

My loan servicer, AES, failed to notify me that I could consolidate my FFEL loans and be eligible for the CARES ACT interest and payment pause. It was not until recently, towards the end of the pause period that I learned, through my own research, that I could benefit from this. 

I feel like AES had a duty to make a glaringly obvious notification to inform their clients about possible benefits of Direct consolidation during the pandemic. Instead, they were shady and withheld this information for their own gain. 

I continued making my full monthly payments, throughout the pandemic, while a struggling new mom working as an essential worker with a reduced paycheck. 

Had I been properly informed of my ability to consolidate and pause my payments and pause my interest, I would be in a much better situation financially. My student loan obligation during the pandemic caused undue financial burden for my family and contributed to severe stress.
Consumer complaint received 2020-04-16
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. (TN)

XXXX XXXX  continues to lag behind in reporting updated and/or accurate information regarding my auto loan. Currently, the balance is listed as {$17000.00}, nearly {$7000.00} more than the actual balance. This lag is artificially lowering my credit score.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm a victim of identity theft. Someone has used my information to receive 16 credit cards with my information and the credit cards are delinquent in payments and charged off, still owing a substantial amount of money. I was notified by XXXX XXXX when I went there to open a checking account that something was wrong with my credit. I never had a credit card and when I sent for my annual credit report it showed me how many credit cards were taken out with my personal information without my knowledge or authorization.
Consumer complaint received 2022-08-25
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: Experian Information Solutions Inc. (SC)

On XX/XX/2022 I sent Experian a notice demanding the deletion and removal of accounts and they still have not obliged. The FCRA and The Gramm Leach Bliley state that consumer reporting agencies may report in accordance with written instructions that comes the consume which is myself. I have now filed an Identity theft report as well as a department of justice complaint because I feel my rights are clearly being violated and these companies make money selling my information.
Consumer complaint received 2022-08-25
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: AmeriCollect (GA)

I have written Americollect on XX/XX/22 they never sent me any validation on my two letters I sent them regarding the amount of XXXX, and for XXXX. My letters have been ignored by the bureaus ; and they are in Hippa violation as well! These items need to be deleted according to fcra, they have 30 day timeframe and it is way beyond that.