davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-17
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)

Dear CFPB Staff, I XXXX XXXX am the have been the victim of identity theft for years now. Equifax has repeatedly removed multiple fraudulent accounts from my Credit Report just to allow them back on again within months. Now even though I have resent them the evidence of my identity theft just as before they have not reremoved the following fraudulent accounts from my report! 

1. XXXX XXXX 1. XXXX XXXX
Consumer complaint received 2019-03-05
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. (OH)

When I got my apartment last XX/XX/XXXX I had a XXXXredit score of XXXX when I applied for a credit card a couple weeks ago I was turned down due to late payments on a student loan. I have prided myself on making payments on time and paying off my used car. When I was turned down I was totally shocked and did not understand. So when I returned to work I pulled my credit report and saw that Nelnet had me 120 days delinquent and {$3200.00} behind. I had been paying the XXXX XXXX XXXX and XXXX but did not realize that I had a third loan company sitting out there as I had never received any correspondence from them. I had resided with my mom my whole life with no address change. She or I would of never threw away any correspondence from XXXX or any mail that was not junk. I never received any notification either through mail, email or telephone. I then contacted them and found out the I was in forbearance in XXXX and XXXX but was not notified when that ended. They had an old email address for me that my employer changed sometime ago. I questioned as to why the when an email address is changed it should of came back to them saying it was not deliverable. That'always happens when I send an email to the wrong email address. They said that had sent letters to my moms address, called and emailed me. I ask them why would I XXXX up perfect credit by just not paying one of my creditors. I got no where with them or their solution department. They continued to say we contacted you with no response. I kept saying why would someone with perfect credit XXXX it up like that? I filed a dispute but they seemed to be standing their ground. I ask that since I was not advised I ask them to remove it from my credit report and allow me to start making monthly payments. Since after several phone calls and hours of conversation I contacted my uncle who is a collection lawyer and recommended we file the dispute and contact the CFPB. He said this exact thing happened to his son but he new someone who worked with XXXX and he was able to get it cleared up I don't have the connections he has. He said that CFPB would take this serious and look into it. Getting my credit report cleaned up is what I am hoping for. Please advise me how to further handle this very frustrating and upsetting situation,
Consumer complaint received 2019-05-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My mortgage with XXXX was sold to XXXX in XX/XX/2019. I was fully upto date and on time with payments to XXXX. I have continued to be on time with payment to XXXX. However Transunion dropped my credit score by 55 points due to the change in accounts. This is completely  unfair. I am making all of my payments on time and am still being penalized for something beyond my control- the selling of my mortgage. 
I spoke with a manager at Transunion and he said there was nothing they could do. 
I spoke with XXXX and they said they do not report to credit agencies unless the payment is late. Again this is categorically unfair to me. My score is being docked for something beyond my control and I am doing everything in my power to retain a good credit score. I was looking into purchasing a vehicle and helping my daughter purchase a house, but now that my credit has plummeted I may not be able to or if I can the options will be limited and I will likely have a higher interest rate on any loans due to this credit rating issue. All I want is for my credit rating to be restored.
Consumer complaint received 2019-05-17
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. (NY)

My social security number was stolen and misused by a company without my knowledge or permission. The following accounts must be removed from my credit report immediately because it is not my information. I have filed complaints with law enforcement and the FTC. 


Remove the following false accounts Immediately : 1 ) XXXX XXXX XXXX   {$3200.00} Opened XX/XX/XXXX 2 ) XXXX XXXX {$6000.00} XX/XX/XXXX 3 ) XXXX {$4500.00} 4 ) XXXX XXXX XXXX ( Someone Paid ) XX/XX/XXXX 5 ) XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-05-17
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. (MD)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (FL)

XXXX billed my health insurance 3 times for 1 XXXX test with 3 different account numbers commiting fraud turn over two credit collection agencies contacted consumer financial protection bureau for investigation was removed immediately by XXXX and their fraudulent collection companies here they are again with radius global solutions for the same account that was paid by my health insurance.
Consumer complaint received 2019-05-17
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. (GA)

I was advised to contact you all because I went to a first time home buyer seminar at my church and they had some lenders there and I was told that I did not qualify for the program. They went over my credit report and I see some things on there that I know nothing about. I have contacted the XXXX and my local police. I'm doing this on my own behalf. XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX and XXXX. Please remove these from my credit.
Consumer complaint received 2019-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (NV)

I have received invitation from American Express to transfer {$4000.00} with promotional 0 % APR for 6 month. I decided to except this offer. On XXXX/XXXX/19 I talked to representative regarding this. He helped me to calculate exact amount I can transfer to my XXXX XXXX XXXX credit card. ( {$3800.00} ) to avoid go over {$4000.00} as AmEx offered. My XXXX XXXX XXXX  due date is XX/XX/19 so I called to transfer funds 10 days in advance to avoid interest fees on my XXXX XXXX XXXX credit card. Representative from American Express said that transfer went ok. BUT on XX/XX/19 I called my XXXX XXXX XXXX card and found that transfer was not completed. THAN I CALLED AMERICAN EXPRESS AND ANOTHER REPRESENTATIVE TOLD ME THAT THIS AMOUNT {$3800.00} CAN NOT BE TRANSFERRED, BUT ONLY {$3000.00}. THEY DID NOT NOTIFY ME ABOUT THIS POLICY AT FIRST CALL, NOT ON NEXT DAY, NOT BY MAIL. THEY DID NOT DO TRANSFER. They did not transfer {$3000.00} at least. They did nothing. AS RESULT of such American Express bad service I ACCUMULATED INTEREST CHARGES ON MY XXXX XXXX XXXX CREDIT CARD.
Consumer complaint received 2019-05-17
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: DISCOVER BANK (IL)

I mailed, by US Postal Certified Mail, XXXX a Federal Trade Commission Identity Theft Report on XX/XX/2018, letter attached, which contained five credit cards and/or personal loans that were reporting on my credit report and are fraudulent. XXXX did remove/delete all except a Discover Financial account. I then mailed Discover, by US Postal Certified Mail, what was required which was also the Identity Theft Report. Until today, both XXXX and Discover have still not removed this fraudulent account from my credit report. Discover mailed me a letter, dated XX/XX/2018, who claim they conducted their investigation and will not report this account on my credit report but still are. All documents will be uploaded here as proof. Discover also claims that the address statements were mailed to were also fraudulent and was reported on the Identity Theft Report. Than the also have a wrong name that is not my name, which I attached and circled in red pen. They are clearly not conducting a thorough investigation and are still reporting this fraud account on my XXXX credit report.
Consumer complaint received 2019-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

I got a letter in the mail ( see attached ) saying my mortgage payments were going up but the letter didn't offer any clear reason why. The numbers they presented actually indicate that I would have overpaid, e.g. the " what we estimated to pay out '' amount is actually lower than " what we paid out. '' There are asterisks in Part 2 that don't match the description of what it should indicate - e.g. it says it indicates a discrepancy between an estimated amount and an actual amount but no such discrepancy exists. Additionally, there are numbers for county tax and property tax payments that don't match their estimates - either the estimate is XXXX or the payment is XXXX. This results in a statement printout that doesn't even attempt to explain why I'm expected to start paying more money. 

After a quick review of customer feedback online it's clear that Freedom Mortgage is very, very unpopular with its customers. I am truly worried that the company is trying to skim money from me, especially considering they designed, printed, and released a statement that doesn't offer proper justification and appears to be intentionally confusing. I tried to call their customer service number and after trying to navigate a phone system that is not user-friendly and provides endless menus with no ability to navigate, I tried pressing " XXXX '' and was told I would by on hold for 56 minutes to speak to a representative. The combination of a very poorly designed statement asking me to pay extra without proper justification, terrible user reviews, and a phone system that appears intentionally designed to frustrate and deter customers leads me to suspect that something is amiss at Freedom Mortgage and I'd like you to investigate. 

Mortgage loan buyers are unique in my experience that I have to interact with them despite having no freedom of choice or transparency in the process by which Freedom Mortgage acquired my loan. A review of customer experiences online indicates that a terrible customer experience is the norm and no reasonable person would choose to do business with Freedom Mortgage intentionally. But because they bought my loan and there was nothing I could do to stop that, I am forced into doing business with a deceptive company. I've had good experiences with CFPB in the past in getting student loan payments counted when XXXX was fraudulently trying to deter me from doing so. I thank you for that and would greatly appreciate the same thoroughness in dealing with Freedom Mortgage.
Consumer complaint received 2019-05-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LDF Holdings, LLC (MD)

I have requested 2 months ago to have my loan paid off, the company didn't do this and is still taking only {$150.00} finance fees from me every pay day on a {$700.00} loan. To date, I have paid a {$1800.00} on this loan. I have simply tried to make payment arrangements to simply end this process, but they have refused to help.
Consumer complaint received 2019-05-17
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. (FL)

I recently requested and received a copy of my detailed Credit Reports from all three major Credit Bureaus : XXXX, XXXX, TRANSUNION. 
After reading through my credit files produced by TRANSUNION, I have found multiple credit " hard '' inquiries. The main reason of my Complaint today is that ONLY the TRANSUNION produced Credit Report showed multiple " hard '' credit inquiries. These type of credit Inquiries have a harming impact on the Consumer 's Credit Scores, in other words, credit worthiness. However, these informations are not present ( not found ) in the other two major Credit Bureaus ' XXXX and XXXX produced Credit Reports. 
In other words, both Credit Bureaus, XXXX and XXXX Credit Reports shows ZERO Credit Inquiries in my Credit Files. The only exception is TRANSUNION. I submitted a Complaint Letter to TRANSUNION but I only received a pre-typed and copied, generic letter as their response. I do not give my personal permission to companies to look into my Credit Files. Both XXXX and XXXX   are lacking to report what TRANSUNION does. I demanded an ANSWER, but again, I received nothing but a pre-typed and copied letter. Therefore, I am submitting this Complaint against TRANSUNION demanding a sensible answer as to WHY only THEY show harmful Credit Inquiries and while the other two major Credit Bureaus do not. I also concluded the following : The primary reason - compare to the two other Credit Bureaus - is WHY my Lenders used FICO Credit Scores produced by TRANSUNION are SIGNIFICANTLY lower compare to XXXX and XXXX, is because of these reports causing negative impacts on my hard-earned and high credit scores reflected with XXXX and XXXX. 
To demonstrate the sharp difference in my Credit Scores, as of today, XX/XX/2019, my points are as follows : XXXX : XXXX points XXXX : XXXX points TRANSUNION : XXXX points -- 55 points LESS than XXXX and 36 points less than XXXX! 

Thank you very much in advance for your help in this matter. 
Respectfully, XXXX XXXX Consumer
Consumer complaint received 2019-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: KEYCORP (CO)

I called " Key bank '' in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX, I informed them about a CC that is appearing on my credit report which I have no recollection of applying for. When I spoke to them in XX/XX/XXXX they said they couldn't find my account with the account number on my credit report. I had a loan officer pull my credit report in XX/XX/XXXX for a home loan application and he informed me that I was an authorized user on the " Key Bank '' credit card, which I never authorized. I need this account to be removed from my credit report as I am being harassed from collection companies ever since my loan officer advised me to dispute it.I called last week and they finally informed me that " XXXX XXXX '' is the primary person. I have no clue who she is or when she added me or how to even get in contact with her. they said she would be the only person able to remove me. I can not be liable for someone else debt who I don't know and most importantly who I never authorized to add me to this credit card.
Consumer complaint received 2019-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FACTUAL DATA CORP. (OH)

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 7 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. my name is XXXX XXXX XXXX please remove any other name from my credit file. I am currently XXXX XXXX  please remove XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX I never work for these companies. 
XXXX XXXX All other addresses are not accurate. Please REMOVE/DELETE these address IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX The following phone numbers are not mine please remove XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX
Consumer complaint received 2019-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (OH)

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 7 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. my name is XXXX XXXX XXXX please remove any other name from my credit file. I am currently SELF Employed please remove XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX I never work for these companies. 
XXXX, XXXX All other addresses are not accurate. Please REMOVE/DELETE these address IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX The following phone numbers are not mine please remove :XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX
Consumer complaint received 2019-05-17
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NM)

I have a small limit Old Navy credit card from synchrony Bank. On XX/XX/19 I was sent a letter that, because my credit score dropped a few points, they closed my account. The balance was XXXX, and there had never been a late or minimum payment on the account. 

My complaint is the unfair penalization of closing my account, further lowering my credit score, when I never had a late payment or any other issues paying this account, or any other credit cards. Also requiring me to take yet ANOTHER hit to my credit score if I ever wish to apply again. 

How is this practice even legal?
Consumer complaint received 2019-03-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (PA)

Paypal has limited and held funds on 2 accounts. I reported fraud that was done to me and they have locked me out of two accounts, held over {$700.00} and made me pay nearly {$500.00} for the fraud charges that I reported. I have tried numerous times and after literally months of not getting a specific course of action that I can take to resolve the issue, I need help. Today I had a customer service rep end our session without giving me any direction or answering my problem. I have contacted a lawyer and been advised to start here
Consumer complaint received 2019-05-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC (OH)

On XXXX XXXX, 2019 I settled my XXXX bill through The Receivables Performance Management , LLC. I received confirmation account was settled in full. Therefore, I sold my old XXXX phone and the buyer informed me XXXX is trying to collect additional funds in order to unlock the phone for use. I contact XXXX and gave the payment confirmation I received from The Receivables Performance Agency and they told me account is not settled and I need to pay {$270.00} to have phone unlocked. After spending 46 minutes on the phone with XXXX, they referred me to their collection agency XXXX XXXX XXXX at XXXX. XXXX informed me the collection agency can help me resolve matter and unlock phone. I called XXXX XXXX  and XXXX XXXX told me my account was settled in full with XXXX balance. I explained XXXX told me to call and get phone unlocked. XXXX said I need to pay {$270.00} in order to have phone unlocked. I asked XXXX why did XXXX have me contact their collection agency. XXXX said he does not know but in order to have phone unlocked I need to pay additional funds. I ended call with XXXX and called The Receivables Performance Management , LLC XXXX at XXXX EST. The collector stated yes account is settled in full but not to the extent XXXX would unlock phone. I asked her why didn't their settlement letter state that. I told her if I settle a car loan still had the car, the lender would send me the title. The collector stated that is not the case. I told her the agency misrepresented their settlement because no where on their letter stated what she told me. I informed her I was going to file a complaint and she stated OK.
Consumer complaint received 2019-05-17
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. (SC)

AFTER REVIEWING MY ANNUAL CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT WERE PLACED ON MY CREDIT FILE. PLEASE BE AWARE THAT THOSE ACCOUNTS WERE PLACED WITHOUT MY KNOWLEDGE AND ARE REPORTING AS DEROGATORY ACCOUNTS. I URGE YOU TO PROMPTLY UPDATE YOUR CREDIT RECORDS AND CORRECT YOUR REPORTING INACCURACIES ON MY CREDIT FILE FOR I AM NO LONGER LIABLE TO THOSE DEBTS. 
I DISPUTE THOSE ACCOUNTS IN ITS ENTIRETY AND I KINDLY ASK THAT THE NEGATIVE ENTRIES YOU'RE REPORTING BE INVESTIGATED AND DELETED FROM MY REPORT AS SOON AS POSSIBLE TO PREVENT ANY FURTHER DAMAGE ON MY CREDIT FILE AND OTHER ENTRIES SUCH AS LATE PAYMENTS OR CHARGE OFF SHOULD BE PURGED FROM MY CREDIT FILES.
Consumer complaint received 2019-05-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (AL)

Changed payment plan several years ago to IBR. First PAYE then REPAYE. My balances have almost doubled although I've never missed a payment. Customer service can never explain why and the payment plans make no mention of this. How can this happen? I am on a payment plan because I'm a single mother of a severely XXXX child. By the time loan forgiveness hits on these so called plans I might owe hundreds of thousands of dollars. Nelnet is my serving company.