davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (WA)

XXXX is reporting a Car loan reporting a balance /charge off from carhop..effecting my credit in a negative and derogatory manner ... Incorrect information.When I called " Corporate office " in 2 different states, Which happens to be a fraudulent site!. I'm unable to have it removed, even as last contact on XX/XX/2018 on a recorded line XXXX said " Debt Satisfied ''. I asked for an E-mail stating that and was refused my request so I could remove info from my credit report to avoid fees in a move now requiring a deposit.
Consumer complaint received 2018-11-06
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. (NV)

TransUnion is reporting opened date and payment history in these accounts wrong, since this is inaccurate reporting please have them removed from my credit report. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  and XXXX/XXXX.
Consumer complaint received 2024-09-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY (TN)

The company approved a loan modification with larger payments than original loan. The approved loan modification was effective XX/XX/year> with initial payment XXXX. The payments were astronomically high because of the miscalculation from HAMP procedures. I failed to make the large payments from miscalculated HAMP loan modifications and was denied a additional loan modification XX/XX/year>. In return caused my home to go into foreclosure and forcing that I sale home under value with a short sale. The miscalculations from HAMP cause me loan denial and a forced foreclosure.
Consumer complaint received 2016-08-30
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (NJ)

On XXXX/XXXX/2016, Amex took away the XXXX sign up bonus, which I earned Platinum $ XXXX spend /XXXX MR Sign Up points on XXXX/XXXX/2016. 
I DID meet $ XXXX in qualified spending, and that Amex has not bee able to point to any specific reason. 
During 3 months periods, I spent over XXXX dollars, and earned XXXX points, although Amex requires XXXX / 3 Months periods. 
I think that Amex is trying to avoid paying the bonus that they incentivized when they accepted the application for the card from the individual.
Consumer complaint received 2018-12-22
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. (NY)

XXXX XXXX -- TransUnion and XXXX still shows I have a debt with XXXX XXXX for {$150.00}. 

This account has been off in FULL. I have numerous documentation and XXXX XXXX itself will agreed account has been closed and paid off. 

I disputed directly with TransUnion and they refuse to fix it on their report. Same with XXXX. I have contacted XXXX XXXX numerous times and was told it takes time but it has been already over 30 days. My credit score is taking a hit of incorrect reporting! 

Account ending in XXXX has a XXXX balance.
Consumer complaint received 2018-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One -- XXXX  and XXXX still shows I have a debt with Capital One for {$150.00}. 

This account has been off in FULL. I have numerous documentation and Capital One itself will agreed account has been closed and paid off. 

I disputed directly with XXXX  and they refuse to fix it on their report. Same with XXXX. I have contacted Capital One numerous times and was told it takes time but it has been already over 30 days. My credit score is taking a hit of incorrect reporting! 

Account ending in XX/XX/2001 has a XXXX balance.
Consumer complaint received 2018-11-20
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 a victim of Identity Theft. This began in XX/XX/2015, after my wallet was stolen. Inside my wallet was my Drivers License, Social Security Card and email addresses. I didnt notice this was occurring until recent. I notified TransUnion of FRAUD that has been occurring on my credit report. I show two FRAUDULENT. Accounts that I am requesting to be blocked, as these were opened after my identity was stolen. TransUnion refuses to assist with the fraud, and continues to ignore the Identity Theft Affidavit that I have attached. Transunion is allowing two Fraudulent accounts listed in my Identity theft affidavit to be placed on my credit report knowing these accounts are fraudulent. I did not authorize these accounts to open in XX/XX/2015, Not only do the account credit limits appear incorrectly, Transunion has been notified that these are fraudulent and continue to allow the fraudulent accounts to appear on my credit reports. I did not open these accounts, I never received any credit cards from this institution. When the thief stole my wallet, they stole my social security card, Drivers License, and forwarded my mail. In addition the company has already been notified that I did not authorize these accounts. There are two XXXX XXXX XXXX XXXX accounts that Transunion knowingly allows. These accounts are fraudulent and are listed as such on my Identity theft affidavit which is a legal document I am attaching below again. I am requesting these accounts be blocked immediately as I never signed anything for this institution. Nor did I ever receive any information on these accounts. When I called the credit union, the agent advised me these had been opened at an address listed XXXX XXXX XXXX, and XXXX XXXX XXXX. Neither of these addresses are mine, nor did I ever live there. Since then the credit union, has verbally harassed me and threatened to show up at my door. These accounts are not mine these were opened as a result of Identity Theft, PER THE FCRA Law. I am reporting this crime to you, along with a Law Enforcement affidavit. Please block the Inquiries listed on the Affidavit along with these two XXXX XXXX  accounts. That I did not authorize. This is not a dispute. This is a statement that I am a VICTIM OF IDENTITY THEFT. Therefore please follow the proper laws in blocking the accounts that have been opened fraudulently.
Consumer complaint received 2018-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS) (WY)

I cleared up a discrepancy with XXXX XXXX in Arkansas after my business was frauded. 
I have a statement from Chexsystems to that effect. I have 4 bank accounts currently and have moved out of a 4 hour distance to a branch bank. I can't get another bank to open an account in my area because # 1 the information on my consumer report is not accurate, the previous notice was cleared up immediately once I found out about it. # 2 The information of suspected fraud activity from 2014 is still showing up on this report, and Ive been turned down by 2 banks because of it. I am the VICTIM of the fraud activity and I am being made out to be guilty of it somehow. # 3 I have been treated like a criminal or something and I havent done anything. According to your latest letter regarding my rights this information can not remain on my history for more than 1 year.

# 4 I wish to withdraw from your agency. It has done more harm than good. I know my current credit scores and have worked over 2 years on getting letters of credit from  companies i have paid. I have had a score of 0. No Credit!!! I have paid off 3 mortgages, several vehicles and have lost a business due to fraud. Im sick of this and of the entire usa that allows this with no recourse. ( XXXX XXXX, XXXX XXXX ) on and on and the people getting screwed never see any recourse or compensation for the damage others are doing. What a XXXX hole this country is!! STOP FRAUD
Consumer complaint received 2018-11-06
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Santander Consumer USA Holdings Inc. (MN)

To Whom It May Concern : This letter is regarding account # which you claim [ insert a derogatory condition here, such as I owe XXXX or my account was charged off {$14000.00} ].

This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Consumer complaint received 2018-11-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MO)

Greetings my name is XXXX XXXX and I am writing in reference to my Bayview Loan Services loan # XXXX at XXXX XXXX XXXX XXXX # XXXX XXXX, DC XXXX. I have reached out to Bayview repeatedly to alert them to a problem with in their system that was not reflecting the correct zero balance for my account. I have not received a response from Bayview. I sent emails to Bayview on XX/XX/XXXX and XX/XX/XXXX to the  XXXX email address that was provided to me. 
I also spoke to customer service on XX/XX/XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX to inquire about a response. And both told me that my documents still had not yet been updated in the system. 

This is particularly disappointing because since my loan was transferred to Bayview in XX/XX/XXXX, I have had a terrible customer service experience. I started working on a Deed in Lieu around that time and it was stalled for over two years due to lack of responsiveness from XXXX XXXX at Bayview and overall failure from Bayview to move my file forward, despite having had a complete file on three separate occasions. This repeated and seemingly deliberate failure to move forward my deed in lieu requested created a disparate impact on me and also resulted in a financial hardship on me. With the unfair, deceptive, or abusive acts and practices ( UDAAPs ) policy in mind, I filed a complaint with the CFPB last year. After CFPB involvement, my deed in lieu was finally moved forward and eventually approved in XX/XX/XXXX. At that time, I was advised that any and all debt, fees, and obligations had been dissolved and that I as no longer liable to Bayview. 

However, unfortunately, I continued to receive bills/statements from Bayview. I contacted XXXX XXXX at Bayview on XX/XX/XXXX to inform her of this and she advised that this bill/statement was an error and that Bayviews system simply needed time to update. I contacted her again on XX/XX/XXXX to advise about that I was still receiving bills/statements and she said that the deed had been recorded and that I should not be receiving bills. 

Nevertheless, I continued to receive bills/statements. I spoke with XXXX XXXX on XX/XX/XXXX who assured me that the deed in lieu had been approved by Bayview, that everything had been processed on your end and that she showed a XXXX balance for my loan in her system. I am frustrated and upset because I continue to receive bills/ statements and I thought that this matter had been resolved. 

I am reaching out to CFPB as it seems this issue has still not been resolved. So I am asking for you to help me to rectify this situation with Bayview. 

Thank you so much for the help.
Consumer complaint received 2018-12-21
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)

According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED USBK COURT XXXX CALIFORNIA Docket # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Date Filed : XX/XX/XXXX Date Paid : XX/XX/XXXX Date Updated : XX/XX/XXXX Type : CHAPTER XXXX BANKRUPTCY DISCHARGED Responsibility : Individual Debt Court Type : Federal District Plaintiff Attorney : PRO SE Estimated month and year that this item will be removed : XX/XX/XXXX USBK COURT XXXX CALIFORNIA Docket # XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND SOMEBODY ELSE I HAVE NEVER FILED FOR BANKRUPTCY PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX COUNTY # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND SOMEBODY ELSE PLEASE REMOVE IT OFF MY CREDIT REPORT
Consumer complaint received 2016-08-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

I sent a letter on XXXX XXXX, 2016, by US Mail to Citizens Bank in XXXX ( directly to XXXX XXXX, manager of the XXXX XXXX branch, with whom I had spoken previously ), requesting XXXX info on my late uncle 's account. I followed up a month later by telephone and was asked to email the letter, which I did. Numerous follow-up calls, emails, and letters went unanswered. It was not until I took my complaint to XXXX and XXXX that I got the desired result, more than 6 months later.
Consumer complaint received 2018-11-06
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 — Their investigation did not fix an error on your report
Company: APPLE FINANCIAL HOLDINGS, INC. (NY)

I am writing now in hopes to receive your help. Currently I am working on reviewing my credit, paying down my balances, and pursuing better credit worthiness. You play a significant part in this process. I am inquiring about the account number referenced in this complaint.

I see you have reported me 30 and 60 days late to the credit bureaus ( XXXX, XXXX  and XXXX  ) on XX/XX/XXXX and XX/XX/2018 and I am writing this in order to get this remark took back. I had believe I had made all my payments on time, the only thing I could think of, is that my statement didn't get to me in time.
Consumer complaint received 2018-11-06
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: EQUIFAX, INC. (CA)

I dont believe my credit score is a fair representation of my abiity to pay my bills. It is under 500 and this makes it very difficult to get a low Intererst loan, I can not seem to win, no matter what I do, recently I was forced to pay over200 % interest. I : will pay the balance off way before the end date, but it is ridiculous that I am paying that rate. I need to refinance a car I am paying 19.99 % interest on, but with my credit score which is the first thing a potential lender sees, they write me off without even looking at my report. I ; have very little debt, and credit for that matter. I realize it doesnt help that my only 2 credit cards are over the limits and currently late, I have been ill, and my daughter has been paying my bills for the past few months. I have always paid what I owed, even if the card or debt was charged off, how can this help me. My student loans are my only significant debt and they are in forebearance and will most likely be forgiven because of my XXXX. I havent been able to use my very expensive degree and where do all of these loans that I take and payback in a timely manner at a horrendous interest rate show up, I should get points for those, it just doesnt seem fair at all
Consumer complaint received 2018-12-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC (CA)

Got loan for XXXX  back in XXXX to help with rent, started paying loan back on XX/XX/XXXX of XXXXdollars every Friday which is my payday. As of XX/XX/XXXX still paying already has taken XXXX  dollars from account next withdrawals on the XXXX. To me that's way too much to pay off for small loan.
Consumer complaint received 2018-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

I have a charge off account with XXXX XXXX XXXX XXXX, I was checking my Equifax report and I see inaccurate reporting in the payment history. Since Equifax is reporting the account inaccurate please remove it from my credit report.
Consumer complaint received 2018-11-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bureau of Accounts Control (NY)

The collection ( {$3100.00}. XX/XX/2018 ) on my XXXX report was wrongfully placed on me. It actually belongs to my relative who used my address. I sent XXXX  the debt collection notice & medical bill with my relatives name as proof but they still said the collection stands. I contacted the debt collector and even they had my relatives name instead of mine in their system. It seems XXXX  was NOT really doing any investigation on dispute and was not willing to fix their error.
Consumer complaint received 2024-09-10
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX purchased furniture from XXXX XXXX XXXX Amount {$2500.00} Financed by Synchrony Bank. Paid deposit amount of {$280.00}. Salesperson XXXX XXXX offered a promotion of 36 months no interest no payment for 36 billing cycles. 
Sales order # XXXX That same period, I have responsibly set up auto pay with a minimum required monthly payment so I have peace of mind that it is being taken care of. 

XXXX XXXX I received a notification from Synchrony Bank that I owe them around {$1800.00} which shocked me because I know that I already paid it off. 
XXXX XXXXXXXX I called Synchrony Bank and XXXX XXXX XXXX XXXX was TOUGH trying to get hold of the right person to talk to. Several hours on the phone, being passed on from one person to the next, numerous days spent following up the case. I can say that this caused me mental and emotional stress. 

People I spoke to : XXXX of Synchrony Bank : He advised me to call XXXX because it is the stores responsibility to forward any promotion to them. 
XXXX, salesperson from XXXX : She affirmed/verified/vouched the 36months promotion and advised me to call XXXX to show the papers they gave me at the time of purchase. 
XXXX of XXXX : went to the store in person, showed the papers and she made copies. Received a call the next day saying to contact Synchrony Bank because the case is out of their hands. 
XXXX and XXXX of Synchrony Bank : they claimed that XXXX forwarded 6 mos promotion only and not the 36 mos I was given. So after 6 mos the interest started accumulating when in my mind, I was offered the 36 mos and I dont have to worry since I have set up the auto pay from my debit card to take care of the minimum payment required. The miscommunication of promotion is between XXXX and Synchrony Bank and not the customers problem anymore. XXXX and XXXX promised they will escalate to higher and proper management for resolution but never gave me their direct numbers or email and even last names necessary for me to follow up. 
Made several follow ups but I got inconsistent answers. Some said they will help resolve but some said they cant do anything since it happened years ago and now pointing fingers at me. 
After days of being passed on, time and effort being wasted, I felt huge disappointment, hopelessness. I wanted to consult legal advice and file a case because to me, this is sales fraud, offering me a promotion but It wasnt applied. I dont have the capacity financially to hire a lawyer and so I am hoping CFPB is the answer to my problem.