davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I have provided my photo ID along with the other required documents. 
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-10-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NPG Associates, Inc. (AZ)

I received a phone call from NPG Associates about a debt they claim I owe from XX/XX/year>. They did not have any details and I have no idea what they're talking about. Their agent said they were going to sue me to recover the money. I told them to mail me whatever information they're talking about and they mentioned suing me again. If a debt is from XX/XX/year> it is time barred in the state anyway and they can not legally sue for it.
Consumer complaint received 2024-09-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Exeter Finance, LLC. (VA)

This complaint is against Exeter Finance. On XX/XX/year>, the final payment of {$280.00} should have been drafted. They stopped my auto draft, and sent a letter apparently to an address that I haven't live at for 30 years. They have my correct address. They never called to say the payment was late, nor did they assess a late fee. I found out about the late payment when it hit my credit report. My payments have been on auto draft for 6 years and I have faithfully paid on time. They intentionally failed to take the last payment. Additionally, I never received my title.
Consumer complaint received 2022-12-03
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. (KS)

In XX/XX/2022 I attempted to contact Experian to freeze my credit. I did have a previous account. I attempted to login with that account but it did not accept my credentials. When I put in for them to send new password, it sent the information to an incorrect email address that was not mine. in order to get to that point I had to include my Social Security number. So my concern is that my Social Security number may be out there at someone elses email and I cant freeze my credit through Experian. Ive used their online information and can not get through to them. I looked everywhere I could to get a live person to talk to me and there arent any of the options that allow for that. I reached out to the XXXX XXXX XXXX and California financial protection and innovation department. They said the FTC is the proper channel for this. I hope you can help. Thank you.
Consumer complaint received 2024-10-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Management Holdings, LLC (PA)

another call was made on XX/XX/XXXXXXXX XXXX XXXXXXXX on an attempt to collect a debt that could not be proved, trying to get info on a debt that they cant prove ownership and were told not to call but send everything to address on file. still they call at least once a week and leave messages.
Consumer complaint received 2024-10-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC (MD)

Hello, my name is XXXX XXXX. I've sent XXXX complaints through CFPB, dealing with Selene Finance , about different issues. I got behind on my mortgage due to XXXX. I contracted the virus, lost XXXX years of income, applied for assistance, modified the loan once, and was denied a second time, even though I was approved for a $ XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX would have paid up all of the loan rears if Selene Finance had approved a modification, which they did not ..., therefore, I lost the grant opportunity. 

Selene tried to foreclose on my home, and I was forced to file XXXX XXXX XXXX XXXX of this year. I have been actively trying to sell the home to investors, since contractors caused structural damage to my home in XXXX. I've been trying to repair the home so it can be sold. I now have an investor interested in the property, and I requested a payoff quote 3 times by phone and via email, of which I have not received. I need Selene Finance to provide my payoff quote as soon as possible. I was told by customer service that it has been emailed, but it was never received. I have someone coming to make an offer on Tuesday, XX/XX/year>, and I need my payoff amount so I can negotiate the sale to pay off my loan. XXXX is making this process very difficult for me. I have been honestly trying to get the property back in shape so I can sell for a fair price to investors, considering the structural compromise remaining. 

I have a bankruptcy attorneyXXXX XXXX XXXX XXXX, that was hired to file the bankruptcy and advise pertaining to my case. I have emailed her numerous times and getting no response for her. Since she's listed as the bankruptcy attorney ..., I tried contacting her to ask if she received my payoff quote for the mortgage company. She is not responding, after XXXX attempts. Please have the mortgage company send my information as requested. 
Thank you for your help..., XXXX XXXX
Consumer complaint received 2024-10-05
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or missing disclosures — 
Company: Shellpoint Partners, LLC (CT)

I was a victim of identity theft and reported to local law enforcement and an FTC report. I had a theft occur in XX/XX/year> which resulted in my social security and personal information getting compromised and this caused me to have identity theft committed against me. The following identity thefts need to be removed from my credit immediately as I am a XXXX veteran. 

1. The following accounts with New Rez/Shellpoint that are the result of identity theft or account numbers XXXX, account number XXXX, and account number XXXX. 

XXXX. XXXX account number XXXX XXXX. XXXX XXXX XXXX account number XXXX XXXX. Account with XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc. (IL)

On XX/XX/year>, someone took a secured loan in my name in the amount of {$1600.00}. I disputed this information on my credit file, and XXXX XXXX  XXXX will not remove the account from my credit file.
Consumer complaint received 2024-10-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (UT)

I was a member of the Post-class of XXXX XXXX XXXX. I attended the XXXX XXXX XXXX - online division. My federal student loans were discharged, as were all former XXXX XXXX students, through the Department of Education XXXX XXXX XXXX program. 

I found out I was eligible to receive a school Misconduct Discharge from Navient for my private loan.

I requested an application for the Misconduct Discharge and received it on XX/XX/year>. 

I filled out the application and submitted it with as much evidence as I could find on XX/XX/year>. ( I submitted it initially on XX/XX/year>, however I accidentally submitted the blank form, I emailed them the same day and submitted the correct form which I was told was attached to the original file. The next day I was contacted saying the form was blank and I once again submitted everything to Navient again which I did. ) On XX/XX/year> I was informed my private student loan, was going to be transferred to XXXX on XX/XX/year>. 

On XX/XX/year> I received a notification that my School Misconduct Discharge application had been denied. I was also informed my forbearance on said loan ends in 2 days. The following form letter response was the only explanation : " We have completed a review of your application and have determined your applicable private student loans are not eligible for discharge due to the following reason ( XXXX ) XXXX XXXX XXXX Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. ''
Consumer complaint received 2024-10-06
Product: Credit reporting 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. (IL)

Transunion is refusing to allow me access to my account. I have been trying for over a month to access my free account so I can dispute unauthorized inquiries I found on my credit report that I ran on XX/XX/XXXX, and freeze my credit due to possible identity theft. I have tried calling and emailing. I provided the requested forms of identification to prove my identity, as well as personal financial details that only I would know. Transunion requested this information over a non-secure email and then sent an email closing my case without resovling the issue! Transunion claims they cant verify my identity and have blocked my access to my account! Yeah, they cant verify my identity, yet they mailed me a letter on XX/XX/XXXX after I applied for a job. In the meantime, Transunion is more than happy to continue sending me emails to allow me to create a paid account and charge me $ XXXX! I wasted hours on the phone trying to reach someone only to be referred back to their website that wants me to share personal infomation over social media platforms like XXXX and XXXX XXXX! It is no wonder my data has been stolen! I want access to my account so I can freeze my credit!
Consumer complaint received 2024-10-05
Product: Credit reporting 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. (NJ)

I have been unable to obtain a free credit report online from TransUnion for months. Additionally, I have been unable to obtain my credit freeze info and freeze or unfreeze my credit for months. TransUnion support is awful and not helpful at all.
Consumer complaint received 2024-10-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (MD)

I sent out a payment of {$430.00} through certified mail on XX/XX/year>. I asked for a return receipt and I also asked for a signature. Online it is showing as delivered and left with an individual at the posted address for payments on XX/XX/year> at XXXX pm. That address is Westlake Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have called on that day to ask about my payment and they told me it had not been recieved. When I told them that it was delivered on XX/XX/year> @ XXXX, they paused and then said that it would take XXXX hours to reflect. I wait 2 days and call back. They say they still have not recieved it. I again tell them that through the online tracking I have from sending it certified, that it was delivered on XX/XX/year> @ XXXX XXXX. They then say it could take a few days. Now they are calling me from numbers that have my area code even though this is a XXXX XXXX XXXX. There is no westlake financial on XXXX XXXX XXXX. I again stress that it has been delivered and note the date and time and then they threaten to report my car. I called back and have been hung up on multiple times. I have gotten through to a manager today, XX/XX/year> @ XXXX and after providing him the confirmation number he proceeded to hang up on me. I then decided to report them 100 % for sure.
Consumer complaint received 2024-10-05
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CO)

For several months I have had many issues with Wells Fargo concerning my checking, savings but now it is my over draft protection plan. Since, I have been placed illegally under the government mass surveillance program under section 702 laws they have used its power to interfere in my banking for more than year.

For almost 12 years I have been considered a loyal customers with Wells Fargo but, because of my issues with the government the bank have begun treating me poorly. The main reason for this complaint is because I am unable to use my over draft protection plan. 

This became an issue for the first time in banking with WF after all these. I have never given the bank any reason to believe that I am not wasn't trust worthy and I would like for the bank to cease any cooperation with government officials and my banking without a court order.

There is a real crisis happening here in the state of Colorado and its is so bad that all WF banks are closed on XXXX when they are supposed to be open according to the corporate office.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SUNRISE CREDIT SERVICES, INC (SC)

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

These accounts has violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy. 
Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 
I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of the notice. I LOOK FORWARD TO YOUR RESPONSE.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MO)

Letters was delivered and company claiming they didn't receive letters. Tracking information below to show it was delivered and certified. 

Tracking Number : XXXX Copy Add to Informed Delivery Latest Update Your item was delivered to the front desk, reception area, or mail room at XXXXXXXX XXXX  on XX/XX/2023 in XXXX, TX XXXX. 

Get More Out of USPS Tracking : USPS Tracking Plus Delivered Delivered, Front Desk/Reception/Mail Room XXXX, TX XXXX XX/XX/2023, XXXXXXXX XXXX
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation (TX)

About a year ago, I found a hard inquiry on my XXXX credit report and immediately sent a letter to One Main Financial requesting that it be removed. They have done nothing that hasn't been removed, and they never even replied. Here is where things take an interesting turn : when I pulled my credit reports from XXXX and XXXX, this particular hard inquiry didn't show up in either one of those reports. It is annoying to see this entry on XXXX only, and this much is certain : I never applied for any loan with One Main Financial. I seek a resolution to eliminate this inaccuracy from my credit report.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (PA)

We received a 30 day late on our credit report on XXXX from Freedom Mortgage. All of our mortgage payments were made on time since XXXX. We do not understand why this was reported late to our credit report. We called Freedom Mortgage once back in XXXX to question a past due balance on the statement but Freedom Mortgage could not find out why. So we continued making monthly payments per the app. The app from Freedom only told us the monthly payment was due and we paid that every month. I have not received any late payment notices via, phone calls, text message, emails etc. If we were late the payment definitely would be made as we have and can prove the funds are available. We do get a lot of marketing emails from Freedom Mortgage so there is no reason they could not let us know a payment is past due. I do not believe the account was late and any reasonable attempt was made to contact us that a payment was late. The app never reflected anything late and should if a payment is past due or show a different Balance. This is obvious a mistake on Freedom Mortgage and needs to be resolved immediately. I need the 30 day late mark removed from all credit reporting agencies immediately. 

The same complant was sent to BBB without success
Consumer complaint received 2024-10-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hollis Cobb Associates (AL)

I visited XXXX XXXX on XX/XX/year>, and the front desk never informed me that I was being double charged by both the hospital and the doctor. I paid my doctor 's visit fee of {$120.00}, as the staff member only mentioned that amount. Now, the hospital is trying to charge me an additional {$870.00}, and I have no idea where that charge comes from. The only official charge I received was for the XXXX XXXX, which was {$440.00}. Its concerning that the hospital uses such unclear shady practices, leaving patients unaware of any hidden charges. Additionally, I am now being harassed by a company called Hollis Cobb Associates, which is contacting me with calls and letters demanding payment for a debt I do not owe.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX  debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (GA)

XXXX XXXX ( {$3000.00} ; Account # XXXX ) has unlawfully and illegally reporting derogatory information on my credit report without proper authorization. I have never authorized or signed any legal contracts or applications with debt agency, nor have I provided them with any other form of identification that would permit them to legally report this information. XXXX XXXX has failed to provide a copy of any wet signed applications, which raises concerns about the legitimacy of their actions. This is not a credit transaction initiated by me with this third-party debt agency. Additionally, I will be filing federal and state complaints against XXXX XXXX for these unlawful practices. I have not authorized them to access or report any information about me, and their actions violate the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for reporting such information. Their failure to comply with these legal requirements has caused harm to my credit standing. I request that the CFPB investigate this matter thoroughly and ensure that this derogatory information is removed from my credit report immediately.