davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Brightfunders, LLC (SC)

So Homeside Financial has sent me a letter stating they denied my refi due to incomplete information. THIS IS A TOTAL LIE! We had picked a local lawyer, venue for signing papers as well as set a date ( four days away ) for the closing. It was only when they said " pay off the interest free second balance then we will see you in four days ''. When XXXX XXXX refused to allow this payoff ( {$1900.00}! ) that was deferred by two months of not working during initial pandemic period ... they refused to continue! 

I am being discriminated against simply cause the industry has no channel for closing on mortgages with second balances. Since the Mortgage holder ( XXXX XXXX ) absolutely insists on not accepting payment for this amount until the full main balance is paid I will never be able to re-fi my home. This violates not only the spirit but the law passed as " The Cares Act ''. I have been 7 re fi companies and they all say the same thing! 

Someone has to look out for consumers with good credit ( I have a Fico around XXXX ) who are locked into their XXXX XXXX held mortgages! Mine is due to a measly $ XXXX ( which I actually gave to XXXX XXXX and they lied and just applied it to my main balance! ) I have been dealing with this since XXXX XXXX and their is no end in sight! PLEASE HELP ME!
Consumer complaint received 2021-01-31
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

XXXX your XX/XX/XXXX response to CFPB XXXX : After careful review, we have determined your complaint includes a dispute of information appearing on your credit report. Consumer Relations will enter your dispute into our system and review all information and any additional documentation you provide to determine next steps. We may also need to contact the data furnisher to verify the current status of the account. If the item has been disputed previously and verified as accurate, we will review any new information you are able to supply to determine whether we can take action. Within 30 days, we will close out your dispute and advise you of the results in writing. If after the completion of our investigation you have questions regarding the results, we encourage you to contact the creditor ( s ) directly. The business name, address, and, if available, telephone number of the source ( s ) of information contacted in connection with your dispute can be found in the Investigation Results document sent at the conclusion of your investigation. If you need to dispute information on your credit report in the future, you may dispute directly with XXXX online at XXXX XXXX XXXX Should you have any further questions, please contact XXXX  ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX merely represents your insisted continuance of 194 day obstructions of fact and deliberate participation with NMACs fraud. 

Mr. XXXX was the lessee and intended transferor. I am the falsely alleged transferee. In response to Mr. XXXX misrepresentations I was pleased with NMACs XX/XX/XXXX denied lease transfer ; one of NMACs many written evidence denials being : From : XXXX, XXXX XXXX Sent : Friday, XX/XX/XXXX XXXX Subject : RE : XXXX XXXX Good Afternoon : I received a call back from Mr. XXXX because notes on the account say : RCVD TOL CONTRACTCONTRACT HAS EXPIRED XXXX..WILL HAVE TO START TOL PROCESS OVER AGAIN *SENT OUT CREDIT APPLICATION VIA REGULAR MAILXXXX I never received anything back and Mr. XXXX and I assumed that it would be okay for this to come in to usis there any way that we can just run this for Mr. XXXX? 

Thanks. 

XXXX XXXX XXXX Customer Service | NMAC | XXXX AS now requested by me in 91 separate written communications to NMAC and XXXX  since XX/XX/XXXX please return email a true copy of Transfer of Lease Agreement you allege to have been signed and duly executed by me ( transferee ) after XX/XX/XXXX including NMACs approval, date and title consent to this Transfer of Lease Agreement OR communicate by return email the non-existence of a true copy of Transfer of Lease Agreement signed and duly executed by me ( transferee ) after XX/XX/XXXX and immediate removal from my credit report.
Consumer complaint received 2021-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (PA)

This was the result of identity theft. I contacted Sequium Asset Solutions. Asking them to immediately delete this from my report yet it still remains its on, XXXX, XXXX  and XXXX  it needs to be deleted ASAP.
Consumer complaint received 2021-01-31
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. (VA)

XXXX XXXX has an account charged off on my creit report showing that I owe {$440.00} updated to {$0.00}. As I lve stated before I did not open this account and I filed a police report. XXXX XXXX and Experian then sent me a document with a signature that is not mine! It is forged and fraudulent and I will not keep suffering from this Identity theft result! I need the company to show a video of me signing but upon me reading the verified letters the card was opened electronically. Ive never opened a card with this company EVER yet Experian is the only bureaus who would not take my police report serious If it was mine it would be paid!
Consumer complaint received 2021-01-28
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. (AL)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

RE : XXXX  Block Request To Whom It XXXX Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this XXXX XXXX my credit report XXXX
Consumer complaint received 2021-02-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Ascendium Education Group (FL)

Fraud is what happen when it was XXXX XXXX then due to all the unscrupulous activity these people where doing they changed name to XXXX  and became 2 separate companies in order to save them self from their Investor and Department of Education who let the fraud take place. if you would like to know more about my case and refer me to an attorney that will be great .. My case is documented with the XXXX XXXX and my Loan is Null an void since the day they did fraud to me and my acct. 


now since the Original company knows there was fraud and they know I have the proof to how it as I have done to the XXXX XXXX they sold of the Null and voided loan to XXXX XXXX, which is just another front for XXXX XXXX XXXX they also own this business. Id like to get the Contacts for the Lawyers who represented the 10 Teachers in New York and have then speak to me. 

These people back in the days did allot of illegal things and it was because of me exposing them to the Fraud they where commiting they even changed how we could communicated with them .. I still have the old emails from my XXXX Acct that shows some of this fraud .. so they changed the way we had to correspond to them using there own portal that they later implemented so that borrowers could no longer hold evidence of communications and if you want to have them release it then now after they did all that .. it would require a Court Order how clever. 

anyways my story is true and for so many year has not been challanged by anyone but myself and the XXXX XXXX  but no legal Action .. Ofcourse we are all broke and credit harmed by all this scam and fraud that they are responsible for.
Consumer complaint received 2021-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-01-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I had a car 15 years ago. I turned the car in to XXXX XXXX sales and got a new vehicle. 
They resold the car and told me i didn't owe anything back to them. 
This was not supposed to be on my credit. Only Transunion is reporting this. It is not a debt i owe at all. This is messing me up to get a mortgage.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Ive made several attempts to this company to stop reporting inaccurate information on my credit report, they refuse to do so and its causing me a world of trouble and stress. They did not complete a Social Security XXXX XXXX ( XXXX ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I obtained my credit report it is reporting numerous inaccurate negative accounts. This has not only damaged my right to extend credit but it has made loose hope and trust within the banking system. I have been denied credit cards home loans because of this and my character has not only been defamed but my XXXX  and XXXX XXXX  have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why XXXX made it very clear that XXXX, transunion, XXXX ASSUMED this VITAL role pursuant to 15 USC 1681 ( a ) ( XXXX ). Also, XXXX, transition, XXXX failed to be fair and respect my privacy according to 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. XXXX, Transunion, and XXXX is in violation of several federal laws including responsibility they have to protect my privacy. Im giving these consumer reporting agencies the opportunity to make this matter right by way of the following ; REMOVE ACCOUNTS, REMOVE LATE PAYMENTS, REMOVE INQUIRIES, REMOVE INACCURATE PERSONAL INFORMATION.These fraudulent accounts consists of a Auto loan account opoened : XX/XX/XXXX, under account XXXX, Action Collection account Opened XX/XX/XXXX Account Number XXXX, Late Payment From Account XXXX  Date XX/XX/XXXX. I Have XXXX name : XXXX XXXX I Demand all other names be removed from my consumer report, I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-01-29
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 Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I am very disappointed. REMOVE THE FRAUD ACCOUNTS ASAP!
Consumer complaint received 2021-02-01
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-01-31
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, I would like to make a complaint on how the XXXX  and Transunion credit dispute personnel are not doing a proper investigation on my credit dispute. XXXX  however, is reporting correctly, after disputing with them. 

This is also the 2nd time I have disputed with XXXX and Transunion with additional information from my bank as well. Disputing multiple times has caused my credit score to drop. 

The dispute is over a late payment that I have with XXXX  XXXX XXXX on an account that was closed back in XX/XX/2017. The late payment was XX/XX/2017 when the account was closed. The issue is that I have had a {$0.00} balance and the account was fully paid off yet I was still reported as having a late payment during the time of having {$0.00} balance. 

I have even talked to XXXX  XXXX XXXX representatives who state that if the balance was {$0.00}, it is impossible to get a late payment. Unfortunately, they can not send me any documents about my account because it was closed years ago, and they don't have access to it. 

The credit bureaus report on having a {$0.00} balance but somehow fails to recognize that the late payment was during the time of {$0.00} balance so I don't understand how it could be late when nothing was owed. 

Thank you for reading,
Consumer complaint received 2021-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (NY)

I opened a car loan with Ally Financial in 2018. Less than 6 months later the vehicle was totaled in an accident. The accident was immediately reported to the authorities and my insurance company. The next business day, it was also reported by me to the bank. I was told after I was placed in collections that the full balance of the loan would be fulfilled with the GAP insurance coverage. This was not the case. I have attempted for the last 2 years to have this account rectified. It is being reported as a charge of for the full amount of the loan, over {$15000.00} and GAP only covered about 50 % rather than the full 100 % as I was told by Ally. Suddenly Ally has no record of this account either in the service end or the charge off department. Nobody can explain to me why theres no record of this account yet its showing as a charge off with half of the balance having been paid. Its also not reflecting the payments that were made in the few months prior to the accident. I cant get this issue resolved because Ally has no record of the account, so how is it being reported to the bureaus? I was told after GAP pays out, it would be CLOSED with a {$0.00} balance. Ally representatives were very misleading! Unfortunately this is not the only horror story with Ally, they should not be operational.
Consumer complaint received 2021-02-01
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. (CA)

XXXX XXXX has been reporting a XXXX charge on my credit report since 2015 and I disputed the charges when it happened and they never did a fraud investigation or helped me they just report on my credit Bureas that its collection charge off as if I owe the money. I am and was a victim of identity theft and they never disputed it
Consumer complaint received 2021-01-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (NC)

Hello. 

I have been repeatedly contacted by American Express in regard to paying a debt on a card I never applied for, received, or used. I contacted them each time they sent a bill, or email. Which was well over 15 times over seven or so months. Each time they told me the issue had been reported as fraud and I no longer needed to worry about it. They said I could just ignore the continuing bills in the mail and email. The bills kept coming. After thinking the whole ordeal was finally over I'm now getting emails from American Express and XXXX XXXX collections agency. I called the collection agency today and told them the same thing I told American Express. This is such a waste of time and extremely aggravating and pure harassment. 

Please Help! 

XXXX : XXXX XXXX XXXXXXXX American Express last 5 digits # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report .I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-01-29
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. (TN)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This is very unacceptable and I want the fraud accounts removed ASAP!
Consumer complaint received 2021-02-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (TX)

In XXXX of XXXX I moved into a home leased by XXXX XXXX XXXX XXXX XXXX. When I moved into the home I experienced several issues. There was no hot water heater and numerous plumbing issues, causing the home to constantly have water flooding. I sent multiple complaints to the property management company without it being resolved. I move out of the home 2 months later due to inhabitable conditions for me and my XX/XX/XXXXsmall children. Hunter Warfield added a collection to my account in the sum of {$12000.00}. I have disputed this inaccurate information multiple times without resolution. 

On XX/XX/XXXX, I spoke with XXXX at XXXX XXXX XXXX XXXX XXXX about this account and the balance. I explained the inhabitable conditions to her and it was also agreed that because of Texas Property Code 91.006, I can not be charged for rent amounts after a property is leased to a new tenant. I was informed that the balance should not be the $ XXXX that is reporting and was given a significantly lower balance of {$3900.00}.
Consumer complaint received 2021-02-01
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've sent multiple letters to XXXX, XXXX  and Transunion, since XX/XX/2020 about this collection account on my report. I have not received a response and the account has not been deleted from my credit report. I believe a failure to investigate inaccurate items on my credit report allow for them to be immediately removed. Please assist me in this matter so that i do not have to file for litigation.