davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Few years ago i found out that my identity was stolen several years ago and several credit account were open under my name.I start my own investigation to see what happen because I was very upset and my credit was totally ruined.When I was student I was every summer going to seasonal city as XXXX XXXX MD.Everyone in USA who knows that city know that it is seasonal place, and people go there only for summer to work.When I was there during those years, I was living with 8,9 different roommates from everywhere and always they were changing.So during that time I don`t know how someone stole my identity and opened several accounts under my name and start using it.At that time since i had zero knowledge about credit I had no idea what`s going on, and after several years I find out that I have several collection accounts on my credit.I Then I called to credit bureaus and they told me to go and get a police report.I went to XXXX XXXX police department filed a police report and send it to every credit bureau with those account numbers.Everything was deleted from my report except 1 Bank of America account only in XXXX.
Its been almost 2 years i`m fighting with them and they are not trying to help me at all. 
I did everything what they ask, I send every document possible but they don`t wan na do anything.I`m really tired of this situation.This is ruining my life.I have successful business, i have great future plans but this fraudulent account not letting me to do anything.Please help me to resolve this issue.Your guys are my last hope.Bank of America doesn`t wan na do anything.
Consumer complaint received 2017-09-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MN)

Let 's go back over the past year. Up to 10 calls a day from NAVIENT regarding a co-signed loan for my son. His loans are in a RRP ( rate reduction program ) with the exception of this one his mother has co-signed. When asked to put this loan into the rate reduction program he was told it needed to be 60 days past due and to tell his mother to not make the next two payments. We can provide names and dates is you can take this further. She let the payments go for the 60 days, and then we called about the RRP. We were told that this loan was not eligible for the RRP. So who is correct here. Called them again yesterday X/XX/17 with my son to discuss. We were told the loan was eligible for the RRP but son needed to file a financial statement. He stated he filed one in XXXX but was told that was too old. He asked the Navient rep to pull up his financial statement but he declined and said my son would need to file a new one before they could do anymore. So now my wife 's credit report reflects a default on a student loan that they NAVIENT ; issued instructions and we followed them but guess what that got us. A BIG DING on our credit. Now my wife has been attempting to pay the monthly statements and has done so for over a year but was diagnosed with XXXX XXXX in XXXX of last year amassing medical bills of around 85,000. We do n't have to pay it all as we had insurance but the deductable and out of pocket was around 19,000 which we are paying at this time. Back to NAVIENT. They called again today four times ( I am blocking the numbers now ) and some lady named XXXX attempted to collect again. I stated that we were in communication about a RRP plan and had nothing more to say until that is taken care of. This organization causes nothing but stress, hardship, and more. There is nothing one can do and they know it and continue to harass the heck out of us. Now ; if I have to get my tribal attorneys ' involved I will as a XXXX XXXX I get free legal representation. These people need to be held accountable for the actions they take. These loans are at 10.75 %. Highway robbery ... ....
Consumer complaint received 2017-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had XXXX cell phone service and switched to XXXX when they where offering to pay off last bills to switch to them, XXXX failed to send payment to XXXX, XXXX sold account to XXXX a collection agency I paid them and requested that it be removed from all 3 credit bureau XXXX and convergent agreed to remove, Transunion and XXXX are refusing my dispute to have it removed. XXXX has removed but Transunion and XXXX have not even though the actual debtor is requesting for it to be removed!! Also i have made 4 request in the past 6months to get my final bill from XXXX and i have yet to receive anything from them other than verbal confirmations of we are sending them to you.
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (WA)

In early XX/XX/XXXX, like most people, I found out about the hack of personal information at XXXX. The first day it was available, I checked the site that informs you whether they thought your information was among the data stolen, and did receive confirmation that my information was stolen. I was told to return to the site on XX/XX/XXXX to enroll in their TrustedID Premier credit monitoring system for free. Given the uncertainty around what legal rights I might give up by agreeing to sign up for the system at the time, I delayed my enrollment until later that week. Once I filled out the online form, I was informed that I would be contacted later to complete the set up process. 

On XX/XX/XXXX, I received an email from Equifax, noting that I need to click on a link within the email to complete the set up of my account, and that it would only be valid until XX/XX/XXXX. I immediately clicked on the link, but the web page that loaded noted that the system was unavailable at the time, and to try again later. I have attempted to complete the set up now for every day, at multiple different times of day, for the past six days, receiving the exact same " system unavailable '' message every time. An XXXX number provided in the email for questions diverts you to a voicemail system that is too full to receive messages. 

Equifax has had nearly a week to increase the capacity of their system to handle the load of the number of people applying for their service, yet it remains completely inaccessible. What 's more, with the deadline they imposed on signing up, every day that the system is down is one less day available to sign up. I am concerned that it has now been several months since my information was stolen ( and I do not even know to what degree it was stolen ), yet I am still unable to take protective action with the company that let it happen. What 's more, every day that goes by that people can not sign up for the service is another day that people will certainly forget about the need to complete their account setup. 

The theft of this data has already been shown to be the result of blatant incompetence in information security. The fact that the meager defenses against the use of this data remain unavailable for this long should be bordering on criminal.
Consumer complaint received 2017-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MD)

I needed help on getting loans cancelled by XXXX who is now closed. The company stated that they could n't help me and asked me to continue to pay those loans. No other help was given. Suggested that I defer loans instead but failed to tell me about interest accruing.
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

To Whom It XXXX Concern : I have called XXXX XXXX XXXX XXXX spending several hours on the phone with representatives and managers XXXX : # XXXX XXXX XXXX XXXX due to this card being issued by XXXX XXXX after my departure from the company which was XXXX/XXXX/XXXX. The card was sent directly to the XXXX XXXX XXXX, and charges in the amount of {$520.00} were charged against this card issued under my name without permission. After discussions with XXXX, I was advised to fax the letter from my previous employer stating they issued the card in error under my name to XXXX by XXXX ( Employee XXXX ), which I sent in on XXXX/XXXX/XXXX. In my letter, I requested to have a letter/documentation to their resolution and for them to contact the ( 3 ) bureaus having this adverse mark removed from my credit. I 've been denied a credit card, and am now attempting to pursue a purchase of a 2nd home which this will affect now since it 's still not resolved. I have attempted to call back again XXXX/XXXX/XXXX & XXXX/XXXX/XXXX with no success in reaching someone that can assist, and when I ask them to review the notes on my account their suspect at best in describing my case and do n't mention anything about receipt of a letter, or their efforts in resolving this issue. XXXX has taken no interest in resolving this issue, and I feel hopeless as a consumer as XXXX reps will only take down my phone number for callbacks which are never received from management. They can reach me at XXXX, and I would like to understand as a consumer how do I repair my credit when a company is n't cooperative in the efforts???? Do I have recourse to sue for my time spent and the damage they 've continued to allow by no action on their part??? 

Sincerely, XXXX XXXX XXXXXXXXXXXX XXXX
Consumer complaint received 2017-09-27
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. (NY)

XXXX Account Number XXXX collection department was constantly calling my home and job and leaving my personal information with my coworkers. They left threatening messages and I was n't sure what they were referring to. This increased my stress level causing my XXXX XXXX to increase and I began to have further issues with my XXXX XXXX.
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I applied for a credit report from TransUnion. I did not get the report because my " online authentication failed. '' Then, I saw that they had charged me, without ever mentioning in the application that there was a fee!
Consumer complaint received 2017-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

Attempted to freeze my credit, company was able to identify who I was when creating an account ( at which point they tried to sell me services ), but was unable to identify who I was when attempting to freeze my credit. 

Have attempted all reasonable methods of freezing my credit through them and they refuse to do so. 

This is the 3rd complaint submitted via the CFPB, the response I received from the company on my initial complaint about the inability to freeze my credit was to freeze my credit. 

The CFPB ( or, possibly Experian XXXX incorrectly flagged my 2nd complaint as a duplicate.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Phone : XXXX Email : XXXX / XXXX Date : XX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Request for Reporting of XXXX  Financing Statement Follow-up to CFPB Complaint Dear Equifax Representative, I am writing in response to your recent communication regarding my dispute, where it was noted that the XXXX  Financing Statement I submitted is not currently reporting on my Equifax credit file.

To clarify, this XXXX  Financing Statement is a public record filed with the XXXX  XXXX XXXX XXXX under filing number XXXX, and as such, it should be accurately reported on my credit file. This is not related to a trade line or any traditional credit account, but a public filing that reflects a lien on collateral under the Uniform Commercial Code. Public records such as UCC filings are essential components of a complete credit report and should be included to provide an accurate financial profile.

I have attached the following documents again for your reference and action : 1. Initial XXXX Financing Statement filed on XX/XX/XXXX. 


XXXX. Restated collateral filings on XX/XX/XXXX and XX/XX/XXXX. 


XXXX. Termination and additional collateral filings from XX/XX/XXXX. 



This information must be accurately reported as part of my credit history, and I respectfully request that you correct the omission and update my credit file immediately to reflect this public record. 

Please confirm once this action has been completed or provide a detailed explanation of any further steps required. Additionally, I request a copy of the revised credit report once the update has been made. 

I trust that Equifax will ensure the complete and accurate reporting of my public records, as required by the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX Attachments : XXXX  Financing Statement ( Initial Filing and Amendments ) -- -
Consumer complaint received 2017-10-17
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Hello! My complaint is in regards to a repossession. I was never late on my payments and my car was repossessed due to a legal issue. I have requested several times that my credit report be updated to not reflect that my car was involuntarily repossessed. This makes it look like I do not pay my bills and that is not the case. I was NEVER late paying my auto loan. I am not late paying any of my bills with Capital One. Even since the repossession they have offered me credit cards and upped my balance even though they have lowered my credit score over 100 points. I believe this to be a tactic they use by lowering people 's credit score, but continue offering them credit products that the consumer could n't be approved for outside of their bank. I would like this repossession removed so that my credit score can be restored. Thank you!
Consumer complaint received 2017-09-27
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. (CT)

I disputed a collections account from XXXX XXXX with Transunion on XXXX XXXX 2017 because I have never received any correspondence from this company, the account just appeared on my credit report. The dispute still shows open as of today. 3 weeks ago the account was deleted from my credit report only to be added again 1 week later. I have still not received anything in writing from this creditor.
Consumer complaint received 2017-10-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (WA)

Hello CFPB, Thank you in advance for reading my complaint, today XXXXXXXXXXXX I was contacted by a company called XXXX XXXX XXXX in XXXX, Iowa. They asked for my name and address and GAVE ME INFORMATION ABOUT THE DEBT ALBEIT did n't disclose they were a debt collections company. Under the FDCPA any debt collector needs to announce " there attempting to collect a debt '' When I let them know the person they were trying to contact was not myself they accused me of lying to them. They are trying to attach a bill that does n't belong to me to my credit report and will not listen. I told them to resolve this matter today or I would file a complaint to consumer protection for harassment. I learned they are a XXXX third party debt collector and do n't have to follow the law. This statement is true fact to the best of my ability. 
Thanks again, I look forward to hearing from you
Consumer complaint received 2017-10-17
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: Resurgent Capital Services L.P. (SC)

Ive spoken with XXXX XXXX several of times in regards to an account with XXXX XXXX that doesnt belong to me. The name on the account is different than mine and Ive sent over information to them previously advising that the last name on the account isnt mine nor have I ever had the last name of XXXX. They were supposed to remove this incorrect information off my credit a year ago and its still reporting. I do know that they are in violation of my rights per FDCPA. I am now at the point of hiring an attorney and filing a lawsuit for wrongfully reporting inaccurate information that doesnt belong to me, and theyve been giving information proving that. They have 30 days to resolve or I will be pursing with filing suit.
Consumer complaint received 2017-10-17
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

Mortgage Loan # XXXX I filed a Bankruptcy partition in the Bankruptcy Court XXXX District of Alabama in XXXX. Included in the filing is a mortgage that was financed by Countrywide/Bank Of American. I later filed a Deed In Lieu of Foreclosure on the home in XXXX. My Bankruptcy docs state ( in error ) that I requested to retain and reaffirm the mortgage ; Although I did intended to retain the house it was not my intention to reaffirm the debt. 

Note : In XX/XX/XXXXthe mortgage was indeed discharged and NOT reaffirmed by BOA. 

I am currently in the process of applying for a new mortgage and the Lender has requested that I provide proof that the mortgage listed on the Bankruptcy was indeed discharged and not reaffirmed. I recently contacted the Bank of America regarding this matter and a representative in the Bankruptcy department ( at : XXXX ) confirmed that the mortgage was discharged/not reaffirmed in XXXX. 

I requested that they provide me with documented proof of the discharge in order that I could provide it to the new mortgage lender, the BOA representative refused my request and stated that they could not provide or furnish me this verification that they had on record. This makes absolutely no sense. I provided and they confirmed my identity and still refuse to honor my information request.
Consumer complaint received 2017-10-17
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 — Was not notified of investigation status or results
Company: Fidelity National Information Services, Inc. (FNIS) (MO)

This is regarding violations of the FCRA by XXXX XXXX XXXX XXXX, in their capacity as a furnisher and user of consumer information. Briefly : The bank generated an erroneous XXXX score that does not match with the contents of my consumer reports, made adverse decisions based on false information, and failed to correct this information. 

Details : In XXXX 2017 I applied on-line for a checking account at XXXX XXXX XXXX XXXX, in response to an advertised promotion. The application was declined twice, citing consumer reports from XXXX and Chex Systems. 

This was surprising and unexpected, since my credit history is excellent with zero negative items, and I had never been declined for a deposit account by any bank before. I reviewed my reports from both XXXX and ChexSystems, and found them both to be spotless with zero negative items. 

I had several conversations with agents of XXXX XXXX XXXX XXXX ( hereafter referred to as the Bank ),  including their Executive office. I presented the complete and detailed consumer reports from XXXX and Chexystems, pointed out that they contain zero negative items, and requested a manual approval of my application. The Bank claimed that they can not consider these reports, and they only go by the 'XXXX Score ' included in their original letter of denial. 

The Banks letter of adverse action contains a XXXX  score of XXXX, a very low score that does not match with my consumer reports. Considering that my FICO score is XXXX and none of my consumer reports contain any negative or derogatory items, a XXXX score of XXXX has to be an error. The Bank first claimed I had to dispute this with ChexSystems. I did so, and ChexSystems claimed it is not them but the banks who generate XXXX scores. 

So it appears that XXXX XXXX XXXX XXXX had generated a false XXXX score, and made an adverse decision against me based solely on that erroneous score, without considering the actual contents of my consumer reports. This adverse action now causes a continuous negative impact on my future consumer reports. Despite my repeated requests to correct this score and remove the erroneous entries from my consumer reports, the Bank has refused to take any corrective action. 

I am attaching my most recent correspondence with the Bank, which explains the problem and my requested resolution in detail. If necessary I can provide additional evidence, including prior correspondence and my full consumer reports. Thank you.