davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-14
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. (PA)

I received a copy of my consumer report and saw an account that was not authorized by me. I contacted all 3 major credit bureaus via certified mail. On XX/XX/XXXX I sent a letter asking the bureau 's to provide proof of debt for XXXX Funding Account XXXX according to 15 U.S.C. 1681i ( a ) I sent certified mail tracking number XXXX I received certified receipt it was received on XX/XX/XXXX from Transunion, I sent XXXX certified mail tracking number XXXX I received return receipt on XX/XX/XXXX, ( I enclosed proof. ) The credit bureau did not respond within 30 days which is failure to comply with federal regulations by credit reporting agencies is in violation of the Fair Credit Reporting Act, and may be investigated by the FTC. It has been over 30 days since. This is damaging. I DEMAND THIS ACCOUNT BE DELETED IMMEDIATELY
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-22
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. (GA)

The unverified account listed below continue to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX Balance {$12000.00}.
Consumer complaint received 2022-11-29
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. (CA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX have violated my rights.

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 an account without my written instructions.
Consumer complaint received 2023-01-07
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. (FL)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX Account # XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks
Consumer complaint received 2017-05-17
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. (TX)

I previously attempted to get a dismissed public record removed from my credit profile with Equifax. They 've continued to report a confirmed dismissed bankruptcy on my report. It is Equifax 's policy to keep reporting bankruptcies that are filed, dismissed for 10 years. The  FCR  act mentions nothing in Sect ion 168 relating to bankruptcy about dismissals or filings. The law mentions date of adjudication or ord er of relief. A dismissed case no longer exists in the eye of the law and a case filed  may have never been adjudicated. Equifax basically reports information that the government deemed nonexistent. In addition, I was referred by Equifax to contact the US Bank ruptcy court. The clerks at the courts stated that they do not report any information to credit reporting agencies. In addition,  XXXX   XXXX   ( th ird party reporting agency ) was unable to release information about this case- XXXX . Both   XXXX   and   XXXX    have already removed the information from my credit profile.
Consumer complaint received 2023-05-03
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: Experian Information Solutions Inc. (NJ)

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. 
XXXX XXXX # XXXX. 
XXXX XXXX # XXXX. 
XXXX XXXX # XXXX. 
XXXX XXXX XXXX # XXXX. 
XXXX XXXX XXXX # XXXX, has violated my rights 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 instrucTons 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 man seven vears 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 nas reasonable cause to belleve that the information is Inaccurate
Consumer complaint received 2023-03-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Sensible Auto Lending, LLC (MA)

I Took out a Loan for a XXXX XXXX XXXX car with almost XXXX on it. The car is not in the best shape and is dying due to old age, I refill it with coolant 2x or more a day along with the AWD system not working and disabling. I pay just shy of XXXX XXXX  monthly. When I am done paying for this Loan I will have paid Sensible Auto {$37000.00} on a car that is going to die on me by this coming winter. I am unable to trade it in to get something because of the outrageous balance. The payments are too much to maintain along with trying to fix the issues to keep it running. I am buried in debt and can not afford to have my car repossessed again my credit will never recover and i will never be able to get another car loan. i need to work. I want out of this loan and my down payment back along with this off my credit. Sensible Auto is a shady and predatory company that prays on he less fortunate. I Live in constant fear of my car being taken and the harassing phone calls all day asking for more money. The Balance on the Loan is {$16000.00} and the NADA worth of the car is around {$5000.00} I need out of this car before it dies and I will still owe money on it.
Consumer complaint received 2021-03-17
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

My sister and niece are buying my home and it took a month to get a closing date. The day before it was postponed 2 weeks. Four days before that date it was postponed again. Loan officer has been contacted multiple times to confirm most recent date, but has not responded.
Consumer complaint received 2023-08-08
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. (AZ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2017-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp (CA)

To whom it may concern, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX employees are trained, and dedicated to misleading, giving false information and playing on the emotions of students who are trying to faithfully pay off their student loans, including myself. Their company makes promises that they NEVER intend to uphold or keep! 

On XX/XX/XXXX, Equitable Acceptance, XXXX XXXX, and XXXX XXXX  offeredme 3 main things, which were false and fraudulent : # 1. To consolidate all of my student loans, so on my credit report it would only show 1 consolidated loan, which they DID NOT do! According to XXXX XXXX, owner of my student loans, my student loans were consolidated ONE time in XX/XX/XXXX, by XXXX XXXX XXXX, not by Equitable Acceptance. In my BBB complaint dispute " EA '' said they did not offer me that, but when they call me to collect money, just last week and every other time I connect with them, they say they want to discuss the '' consolidated loans '' and collect payment! 
# 2. Enroll me into a " Forgiveness Loan Plan ''. ( According to XXXX, who own my loan, they state, the third party, Equitable Acceptance have NO authority to do so, nor do they have the authority to make any other changes to my student loans. As of today, XX/XX/XXXX, I am not enrolled in any such program! 
# 3. Charge me a " service fee '', not offer me another loan/line of credit to get out of debt!. They need to stop doing business dishonestly! 
XXXX XXXX
Consumer complaint received 2017-09-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Crown Asset Management, LLC, Duluth, GA Branch (FL)

" Collection Agency '' - Crown Asset Management LLC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Georgia XXXX Telephone # XXXX XXXX. has filed for the second time, an wrongful Lawsuit against myself ( XXXX XXXX ) of XXXX XXXX XXXX XXXX Florida XXXX - Telephone # XXXX XXXX.
Crown Asset Management claims to be Representing the best interest 's of the Creditor - XXXX XXXX ( XXXX ).
But in reality, they are being deceptive & have purchased by contract, for a unspecific amount of Funds, at pennies on the Dollar.
Thus releasing me from any further or future Obligation to my former Creditor ; upon being " Purchased '' /Transaction to Crown Asset Management LLC., which I might add ; without my knowledge or consent.
I never agreed to any terms or conditions with Crown Asset Management LLC. I am under " No '' Legal obligation to any collection agencies, and my written contract was with XXXX XXXX ( XXXX ) only.
Furthermore, This is clearly violation of the " Fair Debt Practices Act '', that no collection agency, can filed a lawsuit against a consumer.
Respectfully Submitted.
Consumer complaint received 2022-10-22
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: Experian Information Solutions Inc. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX Balance : {$19000.00} ; XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2021-03-18
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: HYUNDAI CAPITAL AMERICA (OH)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2023-03-14
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: EQUIFAX, INC. (NV)

I have disputed these inquiries with Equifax, XXXX, and XXXX. Equifax, XXXX, and XXXX ignored my dispute I have attached my FTC Report to rectify this problem. This inquiries are unauthorized and I filed a complaint with FTC and the complaint is attached. Please do not ask me to send in verification as to whom I am to stall the process. I have created a paper trail via USPS certified mail sending Equifax, XXXX, and XXXX the documents they asked for numerous times. The information is there and they need to adhere to this complaint immediately to avoid legal actions and punitive damages being filed.
Consumer complaint received 2018-10-11
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. (AL)

I contacted XXXX XXXX the party filing false information on my credit report, and they refused to remove the false information ; I contacted Equifax, and XXXX with a complaint, and they refuse to remove this from my credit report ; I had a XXXX XXXX   from XXXX XXXX I never used, and a XXXX Card I used, and all payments were made on time, they reported a late payment which I was never notified I owed anything to them, they reported both cards, two seperate accounts under the same complaint ; they reported that I never made the first payment, but it clearly shows on the report two payments prior were made on time, customer offered me {$50.00} late fee credit, and no fees until XXXX as their solution, I stated I wanted the accounts closed, as they are paid in full, and wanted this false information removed from my credit report, XXXX XXXX refused, the credit reporting agency are holding this on my report.
Consumer complaint received 2022-11-29
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: Experian Information Solutions Inc. (SC)

In accordance with fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentality under 15 USC1681. 
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  15 U.S.C 1681 section 602 ( A ) states I have the right to privacy.

15 U.S.C 1681 section 604 ( A ) 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 conviction 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 2017-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (GA)

ON   XXXX   XXXX   XXXX    , I OPENED AN ACCOUNT WITH  NAVY FCU   WHILE I WAS IN   XXXX   XXXX   XXXX   (  XXXX  ) AT VIRGINIA.     I RECEIVED THE CARD AND USED THE CARD AND PROBABLY CHARGED NO MORE THAN {$300.00}. EVERY  TWO WE EKS I GOT PAID AND I SUBMITTED PAYMENTS ONLINE AND EVENTUALLY PAID THIS BALANCE.     WHILE AT  XXXX , MY DAD RECEIVED A LETTER ADDRESSED TO ME. THE LETTER EXPLAINED THAT I WAS NEAR MY CREDIT LIMIT. I WAS CONFUSED BECAUSE I HAD NOT MADE ANY CHARGES. WHEN I CALLE D NAVY FEDERAL I WAS  TOLD I WAS LIABLE FOR THE CHARGES BECAUSE I COULD NOT PROVE THAT THE CHARGES WERE FRAUDULENT.     THE BALANCE REFLECTS CASH WITHDRAWALS, FOREIGN TRANSACTIONS, NONE OF WHICH I MADE.     CURRENTLY THE BALANCE IS {$7000.00}. THE AMOUNT WAS HIGHER AS I RECENTLY MADE A PAYMENT. AFTER TALKING TO A LEGAL ASSISTANCE ATTORNEY AND MY LEADERSHIP, I STOPPED MAKING PAYMENTS BECAUSE THE DEBT IS NOT MINE AS I DID NOT AUTHORIZED THOSE CHARGES. I PAID BECAUSE I WAS AFRAID OF WAGE GARNISHMENTS.
Consumer complaint received 2017-09-17
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: CITIBANK, N.A. (NV)

I have attempted to reach out to Citibank a few times in regards to an identity theft issue. I have never opened an account with them, nor have they sent me a credit card statement. The only thing that I have received from them in the last few months is multiple offers for new lines of credit. Their negligence in regards to this matter has caused me major XXXX and XXXX. This is my last resort. I will be going to legal counsel this next week if this is not resolved. I also wanted to forward this over to the CFPB for investigation on your end. I live at a home that I have owned for the past few years. I find that Citibank has acted in complete negligence or with fraudulent intent if I have not received any information in regards to a matter that I have local law enforcement looking into. Citibank tried to blame this on the local post office. The post office actually contacted me in regards to this to indicate that they have investigated the matter and found that no one is forwarding my mail to another address or anything that they can control. The local police department reached out to me and are currently investigating this crime that has been committed against me. What does Citibank do? They call me twice. Once to try and sell me a " credit monitoring package '' which I am not interested in. Why would I want someone who obviously ca n't figure out how to issue a line of credit to the correct person in the first place monitoring my credit? The second call was at XXXX XXXX in the evening when I was trying to navigate on a road that I was unfamiliar with in TN. I had to disconnect the call. I spoke with some gentleman anothe time and he said that someone would get back to me. No one ever did. Overall my complaint is 1. I never took opened a line of credit with this company. I filed a police report. They do not want to acknowledge this. This was caught by other lenders XXXX XXXX ( who I had an account with previously ) and XXXX and they decided not to issue the line of credit. 2. Absolutely no one will call me back in regards to this. 3. From everything else that has gone on with other companies, I have no other believe than that someone internally over at Citibank opened a line of credit under my name and they are refusing to acknowledge this. This is hurting my overall XXXX XXXX by over XXXX points. I either need your assistance or need to contact an attorney to litigate this matter. Please help me CFPB. Thank you for your time and my apologies in regards to the long message on this.
Consumer complaint received 2023-03-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (OH)

We are filing a second complaint due to Pennymac not fully addressing the issue in response to complaint ID XXXX. Pennymac did not offer any resolution to servicing errors regarding our escrow account which resulted in our mortgage payment increasing our PITI payment by 39.96 %. In the response to the initial complaint they acknowledged the escrow account was not analyzed at the time of our modification, nor was it completed correctly in XX/XX/XXXX. 

We have continued to pursue the issue with them and received a modification offer that places us in a significantly worse financial position. We have appealed the decision and provide 2 alternate options. Both options would return us to a similar financial position to where we would be had the account been serviced correctly. 

I am including the following documents as part of this complaint for your reference. 
Appeal Letter dated XX/XX/XXXX 2nd Complaint Letter dated XX/XX/XXXX
Consumer complaint received 2017-05-17
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (WV)

NAVY FED ERAL- steering.   I am a   XXXX   XXXX   XXXX   with  XXXX   XXXX . My client who our firm has been working with to find their new home, is a veteran. We have toured various properties and have assi sted   XXXX   XXXX   XXXX    in finding this home. He is ready to submit an offer on the property that we are the procuring cause of placement.   My client calle d NAVY FEDERAL to obtain a loan. Navy Federal procee ded to tell my clients if they stop using our firm, they could refer my clients to a  XXXX   XXXX  agent  ( Navy fede rals referral company ). TO HAVE   XXXX   XXXX   WRITE THE CONTRACT ON THE HOME WE FOUND THEM!!!   It was so bad tha t Navy Federal three wa y called the agent to set an appt with them to WRITE THE CONTRACT ON THE HOME!!!!! THIS IS DOWN RIGHT UNETHICAL! and I am hoping you will investigate this matter.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct.

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.