davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: COMMUNITY CHOICE FINANCIAL, INC. (DE)

I have previously filed a complaint/request with the the CFPB ( complaint # XXXX ) and in a previous instance, a written request with the COMMUNITY CHOICE FINANCIAL, INC. ( CCF ) to have all application data and any records provided to me in reference to an account that was fraudulently opened in my name by an unknown actor.

After CCF ignored my written request for these documents, I filed a complaint with the CFPB. Albeit very timely, the response submitted back to CFPB did not address the request. Their response was simply to restate what has happened and not address the request.

This submission serves as my third request to receive the application and account information associated with an account CCF opened fraudulently in my name. I have provided all necessary documents and appropriate filings adhering to the Fair Credit Reporting Act ( FCRA ) for identity theft victims. As of the date of this filing, CCF continues to shirk their responsibility to comply with Section 609 ( e ) of the FCRA. 

My request is simple, provide any and all application information, logs, account maintenance, physical addresses, email addresses, cellular or landline phone numbers, authorized users, co-applicants, checking/routing account numbers, etc. that were associated with this account.
Consumer complaint received 2020-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (NJ)

I have made deposits in TD Bank ATM machines. I have not been able to see these deposits on my statements. I have gone to the bank 5 times over the last two banking days. Each time I have been told that the bank can not go into the system and find my deposits and Identify them. I have been told to come back and or take a seat each time I have come to the bank
Consumer complaint received 2018-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

Collection Agency letter from XXXX XXXX   sent to my XXXX XXXX but name incorrect. That agency is wanting money for a XXXX USA phone bill. We have never had XXXX  account therefore do not owe anything. The problem is when checking credit agency bureau, a SOFT INQUIRY into my credit shows up from XXXX  XX/XX/XXXX and another inquiry from XXXX XXXX on XX/XX/XXXX. We are concerned about damage to our credit history/score from unknown person using our address. The scammers name is listed and similar to my own, however the XXXX XXXX has been in use by me for 20 years and the Soft Inquiries appear on our XXXX credit reporting agency report. There was also a phone call to my wife 's cell phone number XX/XX/XXXX wanting payment.
Consumer complaint received 2017-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (MS)

I have a XXXX XXXX XXXX card from XXXX XXXX. They are ilegally calling me several times a day from a unlisted number. I work in finance and you are not supposed to call from a blocked number.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (MD)

I currently have 2 complaints XXXX and XXXX open. For XXXX XXXX has sent me alerts that XXXX reported to XXXX and XXXX that my loan balance is {$100000.00} which is completely impossible since this company does not offer loans in that amount. I went directly to to XXXX website and it is being reported correct on the XXXX website but yet XXXX XXXX has the amounts incorrect. This is the same for XXXX. It seems XXXX is reporting technically not XXXX. I received an alert also from XXXX stating the amount increased to XXXX which is weird since my original loan document is for {$11000.00} which is attached in the previous compliant. 

I'm not sure who or what is at fault but this needs to be corrected asap. Each time this entered incorreclty by score drops. I'm in the process of trying to get a car and this is hindering any chance basically for these inconsistencies.
Consumer complaint received 2018-03-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: TRANSWORLD SYSTEMS INC (NY)

My private student loans from XXXX XXXX XXXX XXXX XXXX   , Trans World Systems, were being serviced by XXXX. I was unable to make the monthly paymets, and I was not allowed to contact XXXX XXXX XXXX XXXX directly. XXXX claimed that they are the only agency I can correspond with in regard to the matter.

XXXX urged me to write a letter explaining my situation, and that they would forward it on to XXXX XXXX XXXX XXXX XXXX  on my behalf. That letter is at the end of this statement. I never heard back from XXXX, and XXXX  kept telling me there was nothing they could do on their end. The loans are now being serviced by XXXX XXXX XXXX XXXX. Apparently this is the servicer XXXX  uses for delinquent debt and uses strong-arm tactics to get their money. They will not accept a financially viable payment solution, and will only accept a payment plan that is far beyond my means, with a massive up-front " good faith '' payment. It is untenable, and they are now threatening to sue myself and also my mother who is the co-signor.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Here is the letter that was sent : To whom it may concern, I just finished speaking with one of your customer service reps, who was very nice, but said there was nothing she could do for me. She recommended that I send this email, asking you to pass this information along to the lender to see if there is anything they can do for me.

AC # ************* XXXX XXXX.

Apparently, back in 2010, I used up my one & only forbearance option, and am now unable to get the loans current again. I was given a reduced payment plan back in XX/XX/XXXX, but it did not make the account current and now there is a huge past due balance on the loans. I am unable to bring the account current, and do not see any possible way to bring it current.

My credit has been absolutely destroyed by this account, dropping it over 350 points since last year, making it impossible refinance it. The current payments are just a little higher than I can afford, but what is worse is that the past due is untenable and is just making the delinquency worse & worse every month.

I really need the account to somehow be brought current, so that I can make normal payments and no longer be delinquent. Please help!

Sincerely, XXXX XXXX.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- And here is the confirmation of XXXX ' receipt of this letter : Thank you for contacting XXXX XXXX XXXX  ( XXXX )!

A request has been submitted to have your lender contacted. Please allow up to 10 business days for processing. We can not provide a response time for your lender nor can we guarantee an outcome. Correspondence will be sent once a response has been received to advise you on the outcome.
Consumer complaint received 2018-03-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC. (GA)

I purchased my home XX/XX/2016 and my lender was New American Funding. At that time I knew my escrow was going to have an overage at the end of the year based on the current taxes in my subdivision. Once my year was up I called New American Funding and they explained what month they do their review of my escrow account and if there was an overage they would refund me the difference. I understand that they must keep a cushion and wasn't expecting all of it. When they reviewed my escrow I indeed had an overage and was refunded a check. Now that they have seen my bill and know they are taking out too much, they refuse to reduce my payment accordingly. This means at the end of the year I will have another overage and they will need to send me another check. I have asked them to reduce my payment so I would not have an overage. That is what they are required to do by law!
Consumer complaint received 2017-10-27
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. (TN)

I applied for an apartment in XX/XX/XXXX. A couple months later, I noticed that the background check was run two separate times, resulting as 2 hard injuries on my Equifax credit report. Early XX/XX/XXXX, I spoke with my apartment complex about the issue. They stated they were going through computer updates and it was most certainly a glitch that caused a duplicate request to be sent for a background check. The two background checks were completed right next to each other ( XX/XX/XXXX & XX/XX/XXXX ). They contacted the background checking company ( XXXX XXXX XXXX ) and they said I needed to contact the reporting credit bureau. I contact Equifax on the XX/XX/XXXX and initiated a dispute with a woman on the phone. Roughly a week and a half later, I was informed via automated email that the results of my dispute were available online, but was unable to access it through Equifax 's website. I called and spoke with XXXX ( spelling? ) at Equifax and was told there is nothing they can do to remove the duplicate inquiry without a Notice of Removal from XXXX XXXX I. I then called XXXX XXXX I that same day and they told me that Equifax was wrong and they would have their dispute department reach out to me within 24 hours. I then spoke with someone else at XXXX XXXX I a couple hours later when they called and was told they would reach out to me shortly but gave me my two dispute numbers for the two dates of inquiries ( XX/XX/XXXX : XXXX and XX/XX/XXXX : XXXX. I was then contacted by XXXX XXXX for the last time ( week of the XX/XX/XXXX ) and was told that the apartment complex needs to reach out to them. I spoke with the apartment complex that same week and they told me there is nothing they can do and asked if I contacted the credit reporting agency. I have gotten the run around multiple times, and just want to get this solved. Thank you for your help in advance.
Consumer complaint received 2017-10-30
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation (CA)

Penn Credit Corporation is a third party collection agency who collects for online Pay Day loans. 

XXXX is the phone number that belongs to the collection agency. They have been calling me at work non stop 3-4 time per day. Same as my cell phone. The do n't leave a message but my business phone is being tied up when they are calling me. 

The even try calling from an unknown phone number that shows no caller ID and even use their personal cell phones to get me to respond. I may be filing bankruptcy and this harassment has got to stop. I have them blocked on my cell phone but I can not block them from my work phone.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Fraudulent Activity and Violation of Privacy Rights by XXXX, Equifax, and XXXX. I am writing to formally lodge a complaint regarding significant violations of my rights by the credit reporting agencies XXXX, Equifax, and XXXX. I believe these agencies have engaged in fraudulent activity by violating my right to privacy, sharing false and misleading information about me, and reporting an erroneous account on my credit report. The following company have been listed on my credit report as fraudulent or inaccurate accounts, none of which I have authorized or have any relationship with : XXXX XXXX XXXX. This account has severely impacted my credit score and financial standing, and despite my efforts to rectify the situation, the credit reporting agencies have continued to report this inaccurate information. This not only constitutes a violation of the Fair Credit Reporting Act ( FCRA ) but also represents a breach of my right to privacy, as my personal information has been handled and shared improperly. I request that the Consumer Financial Protection Bureau investigate this matter promptly and take the necessary actions to ensure this fraudulent and inaccurate account is removed from my credit report. I am also requesting that the CFPB ensure that XXXX, Equifax, and XXXX comply with their legal obligations to protect consumers privacy and accurately report credit information. Please feel free to contact me should you require any additional information or documentation regarding my case. Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue.
Consumer complaint received 2017-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

ok so, there was a computer glitch XXXX summer XXXX & early XXXX ) that was transunion problem, NOT XXXX caused my inquires to be deleted. Transunion later added them all back onto my credit report without giving me the legally written notice XXXX days prior to them re-adding them! ive contacted transunion in good faith to ask them to delete the inquires that they illegally re-added. i spoke to XXXX supervisors XXXX XXXX & XXXX ). these inquires did add a hardship to my credit report and my right where greatly violated by transunion! I ASK FOR YOUR HELP TO ASK TRANSUNION TO STOP VICTIMIZING ME! AS A RESOLUTION I WOULD ASK FOR ALL MY INQUIRES BE PERMANENTLY DELETED FROM MY CREDIT REPORT AS A VIOLATION DID TAKE PLACE WHEN THEY WHERE ILLEGALLY RE-ADDED
Consumer complaint received 2018-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MI)

I am writing to inform you I have been a victim of identity theft and many of my accounts were compromised without my consent someone from a company contacted me about a alleged debt. Date XX/XX/2018 Amount :  XXXX I sent a certified Affidavit to the third party company for alleged debt. I did not authorize the account and I do not have a contract with the company.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CT)

Since XX/XX/2023 I have been sending letters to Equifax to remove hard inquiries on my credit report coming from XXXX  XXXX and XXXX  that I have not authorized. I have also utilized the services of the Consumer Financial Protection Bureau ( CFPB ) to help me resolve this. All attempts have been unsuccessful. Most recently there is yet another hard inquiry on my credit file from XXXX XXXX XXXX. I have called XXXX XXXX and XXXX to report this as fraudulent. As a result, XXXX XXXX and XXXX sent updated information to the credit reporting agencies for them to remove those accounts from my credit file ( I have attached proof of this ). I have spent money sending Equifax certified mail with a copy of those letters to show proof and yet Equifax does not remove the hard inquiries. I do not have any accounts and have never requested any credit from XXXX XXXX or XXXX and the proof is here once again to immediately remove those hard inquiries from my file. 
Equifax has significantly held me back from pursuing my goals of purchasing a house because they keep lowering my score and adding hard inquiries that do not belong to me. I had to immediately put a freeze on my Equifax credit file because of this. Attached I have included the letters from XXXX XXXX and XXXX, receipts of certified mail, the hard inquiries showing on my Equifax credit file, and the credit score that Equifax has for me which has completely affected me unfairly.
Consumer complaint received 2018-03-27
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Account sold or transferred to another company
Company: Bread Financial Holdings, Inc. (PA)

XXXX XXXX has decreased my credit limits and closed an account. These accounts that I have had for at least 5 years and have never been late on a payment and have recently paid off all my balances. My credit score was XXXX when they started dropping my limits and closed an account causing my credit score to drop and also being embarrassed when I went to use these cards. I feel the bank did this because I was not using my cards at the time due to buying a house and therefore they were not making any money on my accounts.
Consumer complaint received 2017-10-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Outsourcing, Inc. (OH)

I received two letters in the mail attempting to collect {$35.00} each for XXXX XXXX XXXX. I do not owe these amounts. 

XXXX XXXX attempted to invoice approximately {$350.00} in XXXX 2017. Due to medical malpractice ( the bills were the results of inappropriate prescriptions, a XXXX XXXX XXXX XXXX by mistake causing XXXX, resulting in ER visits, invalid diagnosis from physicians of an XXXX when I had 2 XXXX ). I contacted XXXX XXXX  's billing department, who agreed to remove all charges instead of facing me in court for malpractice. XXXX XXXX XXXX legal attorney 's ( the XXXX XXXX in Kentucky ) were informed of the situation.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (OR)

I didnt authorize any or these inquiries : XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Miscellaneous ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX  Finance/Personal ( XXXX ) XXXX ONEMAIN FINANCIAL Inquiry : XXXX XXXX, XXXX XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Finance/Personal ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX +
Consumer complaint received 2018-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Onity Group Inc. (MN)

The loan was discharged in bankruptcy in XX/XX/XXXX. I ocwen loan servicing obtain the loan approximately XX/XX/XXXX, and started reporting to the credit agencies. I would this to be removed.
Consumer complaint received 2017-10-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I have been making payments on both my federal and private loans for the past almost two years.y private loan is at a variable rate which recently increased from a 10.25 % to 10.75 %. I was told on XX/XX/XXXX that it is based on a prime rate but was given no clarification as to what that means. I also have had over the life of these loans been charged {$10000.00} in capitalized interest when the original total disbursement amount was {$19000.00}. I was told this will acrue when a forberance is in place. However I have had this posted to my loans while making payment. For example XX/XX/XXXX I had {$4600.00} in capitalized interest and XX/XX/XXXX another {$400.00} this all while making auto withdraw payment. Also through the life of these loans when I could n't make payments on the amount they required me to, I was told my only option was to go in a forbearance. I was never offered a low payment plan. While my co-signer was in bankruptcy which has been up until a year ago, I did n't even have access to my online account. I was told I was blocked due to my co signer having a bankruprcy on the account. I have had numerous conversation with reps from navient with no resolve. This has been extremely frustrating my balance since XX/XX/XXXX to present date as only gone down roughly {$200.00}. I have been making payments in the amounts of $ XXXX-XXXX monthly. I have also had late payments attached over the duration of the loans hanging in dollar amounts of {$2.00} - {$12.00} will I 've been making payment or while I was in forbearance. Im seeing help in lowering my interest rate as well as resolving these issues. I get no where when I call navient. I felt as though I will never get these paid off.
Consumer complaint received 2017-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (CA)

As a result of the XXXX breach, I have been trying to understand my risk and mitigate them. I 've spoken with all three credit bureaus, and feel less secure than when I started. All three are like mafia businesses : These credit agencies collect our private info without our permission. Then they want to charge us to protect us? And according to the XXXX  agent ( phone call today, XX/XX/17 ), if I sign up for XXXX XXXX, I waive my legal protections in case I end up a victim as a result of their incompetence? 

So, I 'm terrified and would like some protection from these risks. I do n't trust this industry to police itself, please help. 

I also have XXXX XXXX boys ( XXXX, XXXX ). Each company says different things, influenced by state law ( I 'm in Calif. ) and their internal policies : XXXX says I have to get a court order to put a credit freeze on my XXXX XXXX XXXX. But I can send in an application to note of their files that they are minors. Not sure that would do anything, and do n't they already know that they are minors? 

Experian says that my boys have to call them for service, that I ca n't act on their behalf since they are no longer minors. This is their internal policy. I thought I was legally responsible for my children! XXXX? 

XXXX says 'do n't worry, since they have n't started financial activities, they will have no credit on a credit report. I do n't need to do anything. Right. 

Dealing with these call centers has been awful. The agents range from haughty and impatient to ignorant. None of them clearly explained my risks and what their services can do to protect me. 

Why is XXXX even in business? They had one job to do! This information is too sensitive to be left to fly by nigh businesses with little accountability to their customers.