davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (IL)

Per previous CFPB complaint number XXXX, Fay Servicing finally acknowledged the ( 2 ) consecutive six-month Pandemic Forbearances granted to me by the prior servicer, XXXX XXXX. The duration of these started XXXX - XXXX and then the second one from XXXX - XXXX. These were already approved and in place when my account transferred to Fay Servicing XXXX. Fay Servicing has since removed my account from these, changed my account terms and falsely stated that I applied for a Trial Plan with them with a new payment amount. I have never applied for anything with Fay Servicing or requested to change my account payment terms, this is bogus. Now I know that when the Pandemic Forbearance expires XXXX, all payments not made are due. That is why I started to send in payments to them now so that the amount due XXXX, will be reduced. On XXXX. I tried to send Fay Servicing one month 's payment via XXXX and was told that the payment would not process because the account number did not exist. I requested the clerk to try again and again, same results. I tried to make a payment over the phone and was not able to. So, I mailed a payment in via USPS certified mail and it was returned. The letter dated XXXX from their Payment Processing Department, stated my payment was being returned because " Your account is in active pre foreclosure or foreclosure status. We are unable to accept anything less than the full amount due. '' Meanwhile they are charging me interest and fees while no payment is due at this time because I am in the Pandemic Forbearance until XXXX. The prior servicer allowed payments that were of course, optional during the Pandemic Forbearance and was very helpful during this national crisis.
Consumer complaint received 2021-01-22
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. (SC)

I am setup on auto payment for my auto loan. I changed my bank account around months ago, there's been no issues with my payments going through. One of the recent auto payments, XXXX changed the bank account back to my old account, which is not open. They did not contact me until the loan was already reported late on my credit. 

This is the second time I've filed a compliant, the first time, they lied and blamed me. I've never missed a payment and I want that reflected on my credit report. This was the Bank 's error.
Consumer complaint received 2021-01-22
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. (SC)

I am setup on auto payment for my auto loan. I changed my bank account around months ago, there's been no issues with my payments going through. One of the recent auto payments, XXXX changed the bank account back to my old account, which is not open. They did not contact me until the loan was already reported late on my credit. 

This is the second time I've filed a compliant, the first time, they lied and blamed me. I've never missed a payment and I want that reflected on my credit report. This was the Bank 's error.
Consumer complaint received 2021-01-23
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. (IA)

On XX/XX/2020, I disputed an fdcpa violation on my credit report and TransUnion has not responded or remedied the situation. Congress states under 15 U.S. Code 1692 ( d ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 

This account is ruining my reputation and it is also defamation of my character.
Consumer complaint received 2016-07-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

Received TRANSUNION credit file # XXXX dated XXXX/XXXX/2016. Continues to remark " BANKRUPTCY DISMISSED '' on XXXX XXXX XXXX account # XXXX and XXXX XXXX account XXXX TRANSUNION has removed these bankruptcy comments from other accounts
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

So as I stated in my previous complaint these fraudulent student loans are reporting late payments mind you they are fraudulent. Experience has recede my police report I still have the police report number which is XXXX with the XXXX police dept in XXXX, ny XXXX phone XXXX XXXX. I lost my ID and a multiple years ago I never thought to make a police report until I'm trying to get my 1st home in I noticed that there were student loans which were deemed fraudulent. I have been trying to resolve this matter for over 4 months XXXX has been compliant in the removed every account from my credit report XXXX & Transunion are the only fools who are non compliant as of right now. Please I'm begging you. HELP ME
Consumer complaint received 2021-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I would like to inform you that on On XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 61 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 61 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the Equifax data breach and this may be the result of this nefarious activity on my reports.
Consumer complaint received 2021-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$6900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -This is not my account.
Consumer complaint received 2021-01-24
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: Bread Financial Holdings, Inc. (PA)

I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.
Consumer complaint received 2021-01-24
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: M&T BANK CORPORATION (NY)

In XXXX, I gave XXXX XXXX, loan officer for M & T bank consent to pull my credit report for a mortgage pre-qualification. 

On XX/XX/XXXX XXXX XXXX, loan officer for M & T bank out of their XXXX office pulled my credit report without my consent. She has confirmed this through email. I was hoping to restart the home buying process by starting with a timeline around mortgage applications. I specifically wanted to know how long my mortgage pre qualification would stand and time my research around mortgage offers correctly so as to do minimal damage to my credit score.
Consumer complaint received 2021-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

Hello, Thanks for considering my issues that I have about my credit report. I had a car lease from XXXX from XX/XX/XXXX and the maturity date was on XX/XX/XXXX. I did extend up to three month until XX/XX/XXXX. But right then I flew out of the country on XXXX XXXX to attend my Father as he was admitted in XXXX. He passed away on XXXX XXXX. I couldn't return back right after as the lockdown implemented and flights were cancelled indefinitely. I booked a special flight on end of XXXX and retuned the car on XXXX XX/XX/XXXX. I wasn't paid at my time of absence while I was out and did pay two months lease and missed few month payment since I couldn't afford anymore. 

While returning, I paid the remaining fee and disposition fee. The vehicle was not drive from the day I was out and I did cancel my insurance for that time period. 

I have all the proof of my departure and arrival back into the country and my father 's death certificate as well as stamps in my passport. 

But I've accumulated four late payment marks in my credit report and the credit score dropped significantly. Just because of that, I couldn't lease a car from the same manufacturer or anywhere else. I have also problem in leasing an apartment or anything else that related to credit check. Looks there is no more hope for me in moving forward. 

Had there was no pandemic or lockdown my situation would be normal like anytime before and I would have been in a different comfortable situation. Things were not in my hands and it just happened likewise for everybody else. 

I kindly request you to consider my situation and look into this matter for a positive outcome. Thanks.
Consumer complaint received 2021-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (RI)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (RI)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-01-23
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (GA)

I requested temporary relief due to being unable to work because of Covid. I requested this and it was approved on XX/XX/2020. 2 Days later the company took a payment despite this, after I explained to the rep I did not have the funds to make a payment, and over-drew my checking account. 

I made a complaint a complaint through the secure messaging system. And there only response is we will bring this up with our reps in our next company meeting. 

I had to have my checking account restricted by my credit union. The credit card company could not take any more payments so not only did they report my delinquent status on my credit reports, but also charged me late fees for the months of XXXX and XXXX for non payment. This was after they sent me a letter stating I could miss 2 billing cycles worth of payments. I have this letter and the bank statement. 

The company that did this is Comenity which provides credit for XXXX. To get them to stop I had to pay more than I owed, including 2 late fees that I should not have owed. This came directly from my stimulus funds.
Consumer complaint received 2021-01-24
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. (MI)

I have been disputing inaccurate accounts with TransUnion for over 8 months. They have provided me with any information about an investigation. I also contacted the creditors and they did not validate any information. My identity was stolen a couple years back, I'm not sure if these accounts are from that or just inaccurate. I have sent many letters providing proof of inaccurate, incorrect, and erroneous information they ignore me each month. 

These incorrect items are ruining my life. I don't know what else to do. 

The accounts below are incorrect. 

1. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX 3. DPT ED/XXXX Account Number : XXXX 4. XXXX XXXX Account Number : XXXX 5. XXXX Account Number : XXXX 6. XXXX XXXX  Account Number : XXXX 7.XXXX Account Number : XXXX 8. XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (AZ)

National Credit Systems attached a collections of {$91.00} on my credit. The debt is from XXXX XXXX XXXX. I've never lived at XXXX XXXX XXXX. I've spoken with National Credit Systems, and it didn't resolve anything. I've filed with XXXX and they've removed the collections from my credit. I called XXXX and filed a dispute on XX/XX/2020 at XXXX, and the only thing XXXX did was send me a credit report, but didn't send results of my dispute. XXXX XXXX website doesn't even show my dispute. Meanwhile, XXXX  said I owed the debt, but didn't offer me any evidence. I don't even believe they investigated the dispute like they claimed. My credit information has all the places I've lived, and XXXX XXXX is not one of them. XXXX  and XXXX  is allowing my credit to be tampered with.
Consumer complaint received 2021-01-22
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. (FL)

I've been calling and calling these credit bureau about these fraudulent accounts on my credit report and still nothing. I am a victim of Identify theft.. Non of these accounts are related to any transaction done by myself. I reached out to the creditors and they direct me to reach out to the bureaus. I think I've been getting the run around and i am tired of it. The credit bureaus told me to get an FTC report and I did. I have attached it below along with my driver license
Consumer complaint received 2021-01-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (FL)

Radius Global Solution has reported an alleged debt in the amount of XXXX} to the consumer reporting agencies. I have not entered into a contractual agreement with this company and there was never an initial communication between us. Radius Global Solution obtained and furnished my personal information without my direct consent which constitutes identity theft and a violation of my individual privacy rights as a consumer pursuant to 15 USC 1692.The furnishing of this alleged debt to my consumer reports is harmful to my reputation pursuant to 15 USC 1681 ( a ) ( 2 ). I am disputing the validity of this alleged debt pursuant to 15 USC 1692g. I have sent a debt validation letter to Radius Global Solution on XX/XX/2021 and I await a response.
Consumer complaint received 2021-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

My XXXX  credit report shows that I have good score and excellent payment history, However I always got denied for credit cards when the creditor runs my credit report, I have some credit cards with some banks I had them for 2 years and my payment history is great however my credit score doesnt grow even I have been using my credit cards responsibly and paying on time and never been late at the last 2 years, My XXXX  credit report doesnt show my payment history Also I have accounts went for collection that I have paid it already and still shows as I owe them money, such as XXXX XXXX, XXXX XXXX  XXXX XXXX credit card I need your help as I need to know what is going on my credit report when I check my credit score it shows that I have a score of XXXX Which a good score however the collection still shows on my reports despite I have paid already.
Consumer complaint received 2021-01-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

Company contacted my parents, in-laws, etc to attempt to settle a pending legal action regarding a debt my wife owed. They recited my wifes personal identifying information and included her SS number. They claimed they were collecting a debt that my wife had settled in 2008. They included a paper that indicated their agency was called XXXX XXXX Located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia with a phone number of XXXX ( XXXX ) XXXX. XXXX searches seem to point towards this number being report as a scammer. I am reporting this because the company seems legit enough to know my wifes SS number and old prior state drivers license number.