davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-13
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. (TX)

We purchased a XXXX and their finance company they required us to use provided us a loan for 5.96 %. We have excellent credit ( XXXX over XXXX ) and once we received the XXXX we went to have the loan refinanced. With research through XXXX and reviews on auto loan refinance, XXXX XXXX had favorable reviews and advertised 2.39 % auto loan refinance rates, so we applied with them yesterday. 

We received an email reporting that the contract was being written last evening. Received a text today asking me to speak with them. I asked them to email me the rate offer and they declined to provide that information to me in writing, requiring that I call them so they can record the call. I called them and the representative asked me what I was trying to achieve with my loan. Very odd question since they are an auto loan refinance intermediary. They informed me that my rate with XXXXXXXX auto for 5.96 % is a great rate and they couldn't get anything less. I asked why they would advertise 2.39 % for excellent credit and he had no response other than telling me that's the current market. I noted that I would never applied to XXXX XXXX if it wasn't for their false advertising and now they had run a hard inquiry on my credit causing damage to my credit rating. I informed them I would be filing a complaint and reporting them to the BBB. Upon subsequent research with the XXXX, numerous complaints on this same issue have been filed by other customers related to false rate advertising.
Consumer complaint received 2023-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: GOLDMAN SACHS BANK USA (GA)

I have a pending application with Goldman Sachs for the GM XXXX XXXX XXXX, I was approved ( I believe it was for {$6000.00} ) but my application is pending because they claim they did not receive a clear state ID. -- -- -- - I submitted a very clear and legible copy of my state ID, I read online that a covert way of discriminating against certain credit applicants is to deny them under the narrative that their document were not acceptable. -- -- -- I fear that I may be being discriminated against.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENTAGON FEDERAL CREDIT UNION (PA)

I contact PenFed FCU XX/XX/2023 after getting alert of hard inquiries i didnt authorized or consent to the rep explained that a letter is being sent to credit bureau to remove the inquiries but the credit bureau have to do it. I was told a confirmation email has been sent to me with confirmation to remove inquiries it still nothing.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-03-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (VA)

Credit Collection Services has been sending me collection notices in the amount of {$51.00} Account # XXXX, the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2023-09-13
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. (MI)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-13
Product: Credit reporting 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 deeply concerned and unsettled by the presence of public records on my credit report, especially considering that I have no knowledge or involvement with them. I implore you to take immediate action to remove these records and update my credit report accordingly. This situation is causing me significant distress, and I kindly request your prompt resolution.
Consumer complaint received 2017-04-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NV)

I wish to avoid foreclosure. I was not given proper notice so I could have opted for State of Nevada Mediation. My notice of default was recorded on XX/XX/XXXX. A foreclosure certificate was requested in XX/XX/XXXX and issued/recorded on XX/XX/XXXX over 23 months later. Several RESPA laws have changed since my Notice of Default was recorded on XX/XX/XXXX. I do not feel their XX/XX/XXXX ( 23 month old ) Notice of Default is still valid. I also do not think I was properly issued my required mediation paperwork before simply recording a Notice of Sale 24 months after the Notice of Default. I believe Nationstar should have to record a new Notice of Default and then have offered me again mediation before it expired or waited another 90 days before recording a notice of sale. I want to avoid foreclosure. Nationstar is now evading that request. I am in the process of trying to avoid foreclosure and do a short sale. My attorney submitted an offer last week and Nationstar could postpone my sale date and allow me to short sale my home and avoid foreclosure. However, they refuse and say they can not accept my request. I do not understand why they can not postpone my sale date and allow me to sell the home. It cost them more to foreclose and takes longer. I have a market value offer on the table now.
Consumer complaint received 2022-12-08
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. (LA)

Hello, My name is XXXX XXXX. I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft and I did not make the charge. I am trying to get a new card and these items reported wont get me approved. I am asking the items be deleted to correct my report. I have reported the theft of my identity to the Federal Trade Commission and I also have enclosed a copy of the Federal Tade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Winklevoss Exchange LLC (CA)

XXXX ( XXXX ) consecutive and unauthorized transactions, seemingly at a gas station in XXXXXXXX XXXX, of {$150.00} and {$140.00} respectively. I previously used the card an hour before at a market near my residence in XXXXXXXX XXXX. Gemini the credit card holder will not confirm if I filed a dispute on my end, despite locking the card and choosing 'submit a dispute ' under both transactions. Concerned that the total $ will not be removed from my statement, which renews in XXXX week. The Support Team seemingly has no training or experience on how to process a dispute, issue provisional credit, and/or the timeline around an investigation.
Consumer complaint received 2017-04-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MI)

For the past couple of years I have tried to make my payment online to Nationstar Mortgage. Their system allows me to separate my payment by regular monthly payment and then additional principal payments. My normal payment principal and interest is {$1700.00}. For several months I was paying {$1900.00} and showing {$200.00} to go toward principal. Those funds were always put into an unapplied account. I called several times to complain and was told each time it would be taken care of. It never was and I had to call every month or every couple of months for them to apply toward principal. I stopped for a few months because it was just a hassle. The past few months I tried to pay additional principal and they put it toward the following months payment. It 's as if they are trying to stop me from paying additional principal. I would like to pay my mortgage down quicker so it is paid in full by the time I am  XXXX . They are prohibiting me from doing it without calling in. This does n't seem right and I do n't know what to do.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, 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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these have been popping up on my account. I didnt apply for these accounts
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (CA)

On XX/XX/XXXX I received a credit alert that my XXXX account was reporting 60 days past due. I do not currently, nor have I ever had an account with XXXX. I reached out to them to alert them to the fraud and ask for their assistance with my investigation. 

The representative told me she could not provide the information on the existing account that she found, and that she could only relay it to the appropriate department. She also could not give me any information on what department that was or how I could get in contact with them. 

Further, she could not give me any documentation to relay to the credit bureaus regarding an open investigation.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2023-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have had an issue with Transunion for the past year I couldn't access my credit report due to TransUnion allowing another social security and birth date to added to my credit profile fraudulently as well as fraudulent account and infraction on my credit report i have been constantly having the issue of accuracy and correct information on my credit report with Transunion credit reporting i ask that this information be block removed under 15 U.S. Code 1681c2 ( a ) Block-Except as otherwise provided in this section, 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 XXXX business days after the date of receipt by such agency of
Consumer complaint received 2020-03-16
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC (GA)

My mortgage was transferred to NewRez Mortgage LLC in  XX/XX/XXXX. I reviewed account online in XX/XX/XXXX to discover a {$15.00} fee pending. I called on XX/XX/XXXX and was told it was for an inspection and nothing else. I was instructed to write them to dispute it. I emailed company on XX/XX/XXXX. Mailed a hard copy the next day. After several weeks, I heard nothing. I received a notice in mail that NewRez was attempting to send me a large envelope that the PO would not deliver that day. I complete the form online for the PO to deliver it but it still never arrives. However I called NewRez that evening. After talking with many representatives, I was accused of being 42 days late in XX/XX/XXXX. After about 30 minutes and I had every payment documented with my statements, they corrected that statement and CONFIRMED that I was NEVER late. Said it would take 2 weeks to correct the fee. On XX/XX/XXXX I called again and they once again said it would take 2 weeks to clear. I emailed them once again on XX/XX/XXXX and still no response. They acknowledged the fee is in error but not clearing it. It now makes it where I can not pay extra into escrow account until the fee is paid so it is affecting my ability to pay correctly.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Spring Oaks Capital, LLC (CA)

There is an account being reported on my account from Spring Oaks. I called the phone # listed and they told me they do not have the account and referred me to another company and phone #. When I call that number it is messaging service that no one answers. I called back to the original number and was provided another phone number to another company who states that they do not have the account. 
XXXX XXXX XXXX I have been trying to get information about this account to resolve it for over two months with no resolution.
Consumer complaint received 2017-04-17
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NY)

My father had a reverse mortgage wit h Champion. He pa ssed away in   XXXX   XXXX  . As his executrix of the estate, I have been working with Champion Mortgage to settle the outstanding debt and have informed them of my intent to submit the deed in lieu of foreclosure. I submitted the deed in lieu form on   XXXX   XXXX   XXXX  . While the deed in lieu of foreclosure option is being pursued,  Champion  contacted an attorney and started the filing of a foreclosure claim. The attorney,  XXXX   XXXX  in  XXXX , NY served me with the foreclosure action and left the document without an envelope with the doorman of my apartment building. The attorney followed up with a  2 p age letter of the suit sent to me in an envelope, then the letter with the attachments was separately mailed in an envelope marked personal and confidential, and finally a copy was sent in an envelope to my father 's address, which was forwarded to me.Therefore, the attorney intended all along to submit the documents via an envelope. So leaving a foreclosure suit in this manner with a doorman was done blatantly to embarrass. This action was quite unnecessary. I am extremely displeased that something so personal was left without an envelope with a doorman of an apartment building. My husband is on our co-op board and this personal information could have inadvertently been viewed by other members of the board. While I am listed as a defendant in the foreclosure suit as an heir, I am not personally liable for the debt. It is very distressing knowing that I am being fully cooperative with  Champion and have stated my intent to provide the deed. Even though the complaint is not really against Champion,  I thought this matter was something that should be raised to the CFPB 's attention.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Volvo Car Financial Services U.S., LLC (GA)

I am filling this complaint to XXXX for allowing fraudulent inquiry on my credit report and for not taking corrective actions on the unauthorized inquiry. As I checked my recent credit report, the unauthorized hard inquiry is still reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Consumer complaint received 2023-09-13
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)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$18000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX
Consumer complaint received 2023-09-13
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. (FL)

PLEASE REMOVE ALL OF THE FOLLOWING FRADULENT INQUIRIES : XXXXXXXX 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 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 I HAVE FILED A REPORT FOR FRADULENT ACTIVITY
Consumer complaint received 2023-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

PLEASE REMOVE ALL OF THE FOLLOWING FRADULENT INQUIRIES : XXXXXXXX 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 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 I HAVE FILED A REPORT FOR FRADULENT ACTIVITY
Consumer complaint received 2023-09-13
Product: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (OH)

I was sent a prepaid Mastercard by NetSpend that I did not request. I tried to call the company and cancel the account but they would not cancel the account without me providing the last four digits of my social security number. Because I never filled out an application or requested this card they should not have that information at all but somehow they do and they will not provide me any information unless I give them the last four digits of my social security number. I refuse to give them any information about myself since I did not sign up for or request this card. If they have this information they have stolen my identity somehow.
Consumer complaint received 2018-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Midwest Recovery Systems (MO)

On or around XX/XX/XXXX, Midwest Recovery System of XXXX XXXX, Missouri, erroneously reported a debt of {$490.00} dollars allegedly owed by me to XXXX. I promptly sent Midwest Recovery Systems proof ( via cancelled check ) that that amount had been repaid on time to XXXX in XX/XX/XXXX. I believe XXXX is fraudulently attempting to collect money no longer owing to them, and that Midwest Recovery has not been circumspect enough with this account. They have been given ample time to contact XXXX and to remove this incorrect report from my credit reports ( XXXX, and XXXX  ), but have not yet done so. Despite frequent emails requesting or demanding that this hit be removed from my report, Midwest Recovery continues to sit on this, and in the meantime my credit ratings continue to be adversely impacted. 

Don't payday loan companyies XXXX consumers enough? Now they are fraudulently attempting to collect a debt twice, two years after the fact. This is outrageous, and Midwest Recovery is not doing enough to remove this error from my reports, or to contact XXXX to get this resolved.