davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-04
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. (NJ)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2020-07-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (MD)

Loan modification done by Greentree/Ditech in XX/XX/XXXX My principal balance before modification was {$160000.00}. 

My principal balance after the modification changed to {$190000.00}, a difference of {$28000.00}. The modification states that {$28000.00} is of the new principal balance and that shall be deffered. 

Ditech added it to my new principal balance and deffered the same amount totalling {$56000.00} I have been paying my modified mortgage since XX/XX/XXXX on the principal balance of {$190000.00}, and am now down to {$180000.00}. 

Ditech included the {$28000.00} in to {$190000.00} ( my current payments ), and are still saying this same amount is deffered. 

{$190000.00} ( modified new pricipal ) plus {$28000.00} ( deffered amount ), totalling {$22000.00} for a house i have been paying mortgage since XXXX
Consumer complaint received 2017-01-20
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada) (LA)

I had a payday loan with a lender, XXXX. They are tribal entity. It was a {$200.00} loan. On 2 separate occasions ( 1 I recorded and will attach ), I asked XXXX XXXX to take out the full amount owed on my next pay date. They did not do so either time, only taking out a finance fee. I noticed they were doing this so that they can continue to take out only the finance fee well past the amount I actually owed. As a result, I contacted XXXX and told them I considered the account paid in full and I closed my checking account. 

Apparently, XXXX has now sent this account to collections, Allied Collection Services in XXXX XXXX. This company has submitted negative entries onto my credit reports stating I still owe XXXX XXXX and it 's absolutely not true. Not to mention the fact they are reporting a trade line for a TRIBAL payday loan, which is illegal. XXXX violates Louisiana 's usury rates for payday loans.
Consumer complaint received 2020-12-15
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: SUNRISE CREDIT SERVICES, INC (NY)

On XX/XX/2020, SUNRISE CREDIT SERVICE add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA SUNRISE CREDIT SERVICE has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2018-03-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pinnacle Credit Services, LLC (WA)

In XXXX of XXXX this account shows opened. Contacted the XXXX agency which information they provided did not match. The first Representative stated account closed in XXXX. Representative then transferred me to a XXXX party for collection which she said the account closed in XXXX. I was asked to confirm mailing address and the address that was in their system did match my physical address. I have not received any correspondence of the debt. I was even unaware another collection agency was handling my debt. To settle the debt XXXX representative gave me an amount and the other provided a completely different debt both withing minutes apart. She also stated even if I satisfied the payment it wouldn't be removed from my credit report. Neither XXXX have me any info that matched
Consumer complaint received 2023-01-26
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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
Consumer complaint received 2023-01-26
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. (NC)

This is XXXX XXXX and this CFPB Complaint is a follow up to the recent CFPB Complaint I submitted requesting the removal of the disputed accounts and information from my Credit File which resulted due to my identity being stolen. I have read that under the Fair Credit Reporting Act section 605b, you are expected to remove any accounts and information that resulted due to identity theft. In accordance with the Federal law, I need you to have the disputed accounts removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$8500.00}. If you believe that the disputed accounts are accurate and belongs to me, I need you to send me any documents supporting your claims. If you can not provide me with such documents, I expect you to immediately remove the disputed accounts from my Credit Report.
Consumer complaint received 2018-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lincoln Educational Services Corporation (PA)

I checked my credit report and found my account with Lincoln Technical Institute was charged off as a bad debt, profit loss or write off. The account is listed as being closed and in collections as a charge off. I spoke wit a representative at Lincoln Technical Institute ( XXXX ) XXXX and in their system it shows the account as being up to date. Payments have been made monthly and on time since XX/XX/2011 as an automatic withdraw from my account. The representative could not find any information in their system that says I'm not in good standings with my account.
Consumer complaint received 2023-01-26
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. (NC)

This is XXXX XXXX and this CFPB Complaint is a follow up to the recent CFPB Complaint I submitted requesting the removal of the disputed accounts and information from my Credit File which resulted due to my identity being stolen. I have read that under the Fair Credit Reporting Act section 605b, you are expected to remove any accounts and information that resulted due to identity theft. In accordance with the Federal law, I need you to have the disputed accounts removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2200.00XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$8500.00}. If you believe that the disputed accounts are accurate and belongs to me, I need you to send me any documents supporting your claims. If you can not provide me with such documents, I expect you to immediately remove the disputed accounts from my Credit Report.
Consumer complaint received 2023-08-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: NAVY FEDERAL CREDIT UNION (NC)

On XX/XX/2023, I went to the XXXX NC Branch to apply for a used car loan. I had my children with me, I had a bill of sale with me and I recorded the transaction for my personal files and safety. XXXX was the representative that filled out the application on my behalf, he asked me a series of questions and he had me sign the electronic key pad for the promissory note, the GAAP Insurance and for the disclosures. I had asked XXXX XXXX for a copy of all the documents that I signed and he explained to me that he was not able to print them out at the moment but he assured me that I will retrieve the copies in the mail along with the response of a denial or an approval. I never received the copies. I did send an Adverse Action Letter upon receipt of the denial letter and then I received another letter from XXXX XXXX XXXX in response to my adverse action letter. I called customer service to get copies of the documents that I requested and I was asked if I had appealed the decision? I said I did not know I could Appeal the decision, no one had disclosed that information to me and is it to late to appeal it? The Rep. stated that it was to late to appeal it. She also stated that there are no signed documents along with my application. I know that the Bank that I am Banking with is committing Bank Fraud and there is no statute of limitation on Fraud. I still want a copy of all the documents that I signed on XX/XX/23 and I want this matter to be thoroughly investigated to further support my claims. I am the holder in due course and the original creditor therefore I was not supposed to be denied credit.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXXXXXX XXXX XXXX on all my credit reports shows I am late 90 days XX/XX/2019 but in XX/XX/2019 I am on time. This needs to be fixed with the credit companies
Consumer complaint received 2023-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (OH)

At some point between calling to request a replacement debit card because mine was expiring and Sunday XX/XX/XXXX my existing debit card stopped working. Ive broken down the timeline of events below. Please note my husband I share a vehicle, I rented a car to drive to XXXX, and returned it on XX/XX/XXXX. 

XXXX XXXX - call for replacement debit card. No card is ever received. Called PNC to check on this, they claim it will be mailed soon and to keep using my existing debit card until the new one gets to me. 
XX/XX/XXXX XXXX - Attempt to use existing debit card in NY while driving to XXXX to speak at a conference. Card is declined for mismatched expiration date XX/XX/XXXX XXXX  - Call PNC, agent shows no concern, has no solution XX/XX/XXXX XXXX  - Call back, get a new rep who shows concern and works on solution. On hold for 20 minutes while she researches. Call drops ( either rep hung up or lost signal ). 
XX/XX/XXXX XXXX  - Call again ask rep to read notes from previous rep, he refuses and claims because Im angry he has to escalate me to higher level rep, Im transferred to the main PNC number ( he lied about escalating ) XX/XX/XXXX XXXX  - Call back, rep is very apologetic, sees the issue, admits theres no workable solution to get it to me. Suggests I call back when back in town before XXXX to have a debit card overnighted to me. 
XX/XX/XXXX XXXX - Call and per directions from previous rep ask for a manager as they are the only ones who can have a card expedited. Transferred to manager who is very dismissive of the issue. Doesnt seem to understand the card not working is a PNC error. She tells me to drive to a branch. I explained that PNC needs to cover the cost of transportation back and forth from branch as my husband has our car at work ( I work from XXXX  ). Again explain that this should be expedited at PNCs expense as deactivation of my card and no replacement ever being mailed is a PNC error. After 45 minutes on hold they still have not agreed to do what previous rep said they would do and expedited a new card.
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XX/XX/XXXX, I was advised that I needed to take a XXXX private loan. Less than 10 months later, XX/XX/XXXX, I was again told I needed a private loan, this time the amount was XXXX, XXXX. 

XXXX loan {$10000.00} : Two problems with all of this. # 1. FASFA sent {$11000.00} in the months prior to the XXXX loan, why would I need this private loan? 
# 2. On XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, sent me a copy of my account history. Please note, as XXXX did, a XXXX loan never shows up for XXXX. 

XXXX XXXX {$31.00}. Several problems. # 1, in the months prior to this loan, FASFA sent {$52000.00} on my behalf. # XXXX on the accounting history document, money was returned to the lender in the amount of {$18000.00} and {$2000.00}, and XXXX. 
# XXXX. My credit report shows I defaulted on the entire loan. 
# XXXX. In XXXX, I sent my financial adviser for the college an Email questioning why I even needed any private loan. I am thinking that was when money was sent back. 

I am being sued, my credit has been ruined as well as the credit of my family, co-signers. 

I will include emails, XXXX Account history, the XXXX Loan amnts that were forgiven due to XXXX & XXXX ( XXXX XXXX. Copy of credit report. 

Thank you, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-27
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: Experian Information Solutions Inc. (TX)

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 XXXXXXXX XXXX XXXX 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, 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 an 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 2020-12-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (NC)

Debt collector calls Credit control XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Keeps harassing me Credit Control Called my XXXX XXXX XXXX that I purchased XXXX XXXX on XX/XX/2020my XXXX prepaid phone number issued to me as XXXX. 
The debt collector calls are stating a debt thru Credit control I DO NOT HAVE ANY DEBTS but I do continue to have identity theft issues unfortunately Credit control attempts at collecting debts monies from me for others debts. STOP credit control it is illegal .. 
XXXX auto insurance And unknown For the names of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone caller ids XXXX XXXX XX/XX/2020 XXXX XXXX XXXX on OXX/XX/2020 caller name XXXX phone XXXX Persons by the name of XXXX and XXXX XXXX XXXX @ @ @ @ @ @ @ @ Credit control XXXX XXXX XXXX XXXX @ @ @ @ @ @ @ @ @ @ @ @ @ @ XXXX XXXX XXXX My identity theft is registered with the FTC My US name is XXXX XXXX XXXX XXXX XXXX I have told these companies they are calling me and NOT XXXX not those names I have stated that phone number is XXXX I pay XXXX {$65.00} per month I have notified these companies to STOP harassing me and stop calling me about a debt I do not owe. They continue to call me
Consumer complaint received 2023-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous fraudulent accounts that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report Immediately.
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

From What I Looked Up On The Internet, A " Hard Inquiry '' Stays On A Persons ' Credit Report, For 24 Month 's. Transunion Will Not Remove A " Hard Inquiry '', From My Credit Report. The " Hard Inquiry, is : XXXX XXXX, From XX/XX/2018. XXXX Removed It. Transunion, Seems To Have a Problem, Keeping My Credit Report, Accurate.
Consumer complaint received 2023-04-09
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. (TX)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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
Consumer complaint received 2018-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

My loans have always been deferred and I have never had to make a payment because of my income. I have always sent my paperwork in on time but they have reported to all 3 credit bureaus that I was 120 late in XX/XX/XXXX and XX/XX/XXXX for the exact same months. Other than that they have been in good standing and are now consolidated but the delinquency to no fault of my own is hurting my credit.
I need to know why anything was done retroactive when paperwork was sent in correctly and on time. I want to know from the beginning of XXXX  taking over from XXXX XXXX  when my loans were actually due each year for renewal of deferment etc.
Consumer complaint received 2017-03-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (OR)

Have been applying for a modification at carrington mortgage since XX/XX/2015. They have closed XXXX files stating non compliance even though I call them 2-3 times a week to. Check status and request call if there is a problem with doc. They have promised not to close account as they know I am working on it and then close the next day
Consumer complaint received 2018-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My loans have always been deferred and I have never had to make a payment because of my income. I have always sent my paperwork in on time but they have reported to all 3 credit bureaus that I was 120 late in XX/XX/XXXX and XX/XX/XXXX for the exact same months. Other than that they have been in good standing and are now consolidated but the delinquency to no fault of my own is hurting my credit.I need to know why anything was done retroactive when paperwork was sent in correctly and on time. I want to know from the beginning of XXXX  taking over from XXXX XXXX when my loans were actually due each year for renewal of deferment etc.
Consumer complaint received 2024-03-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I'm writing to express my extreme dissatisfaction with the handling of my credit report. Despite multiple requests, you have failed to investigate and rectify inaccuracies on my personal credit profile. It's imperative to understand that your disregard for my requests constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ). This legislation mandates the thorough investigation of disputed information. 
Accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX