davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: GOLDEN 1 CREDIT UNION, THE (CA)

I am a single mother with XXXX daughters and XXXX XXXX XXXX 30 days ago I spoke to a representative from Golden One Credit Union Bank ( XXXX ) for my car loan. I informed them of my basic need to reduce the amount of my monthly payments to something more affordable since my income had reduced dramatically. I also informed them that this loan is owned by myself and my ex-husband, whom is currently incarcerated and there is an active restraining order. There is also a no contact order which makes it impossible to receive a signature. 

That being said they have decided to not allow me my price reduction on my car loan due to this signature that I simply can not obtain. They then transferred me to their collections department stating that they could find a program that could further assist me and I have since received no further assistance or information to assist me in this issue. 

I also wanted to include that when they initially assisted me with the issue, I was informed that they could help me, but that I would need to submit a loss mitigation packet which would take 20 days to process for an answer to consider a decision. After I waited the 20 days and filed all the paperwork, only to have a superior tell me that they would have never assisted me with the reduced payments without my ex-husbands signature.
Consumer complaint received 2020-08-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (MN)

This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount
Consumer complaint received 2024-06-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc. (GA)

My name is XXXX XXXX XXXX. When I contact and speak with a XXXX at Aidvantage, I am told my loans are on hold and in a forbearance until XXXX/XXXX. I have waited years to get my student loans discharged, the schools I have attended which are XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX are all on the list of schools to be XXXX through the XXXX XXXX XXXXXXXX settlement. I applied for borrower-defense back in XX/XX/XXXX, received my letter back in XX/XX/XXXX about having all my loans discharged due to the schools of my attendance and was supposed to receive my full discharge and settlement by XXXX of this year XXXX, it is Now XX/XX/XXXX and I have had NO movement on my account since XXXX of XXXX and that was due to me consolidating my loans. After being defrauded by these schools, it should not be this difficult to return my funds when it was so easy to take them away. All I am receiving is scripts read off by the XXXX 's at Aidvantage again about my loans being on HOLD and in a forbearance status until XXXX of XXXX! I contacted Aidvantage several times before and after receiving my discharge letter back in XX/XX/XXXX. They again kept reading a script stating it may take a few months, up to 7 months before everything is cleared up but Congratulations on getting your student loans discharged. It has been over a year and still no full settlement!
Consumer complaint received 2020-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I received a text message from XXXX, debt collector XXXX XXXX on XX/XX/2020 regarding a debt of the credit card. Also, it stated that I should contact this office in order to prevent further consequences. 

On XX/XX/XXXX, I called the office and I spoke with Ms. XXXX to send me the information through my e-mail so that I can check my credit reports Bureau. She sent me a letter with the information : the creditor 's name is Household, account # XXXX with a case file # XXXX the Balance of the debt is {$3700.00}. 

On XX/XX/XXXX, I got a message through the voice mail from Ms. XXXX regarding the complain that I have been filed against me and need to call urgently to solve the issue and prevent further actions. 

I spoke and checked with the Credit Report Bureau Representatives and he told me the above creditor 's name and account number does not appear on my credit report in all three agencies.
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

on XX/XX/2020 i sent a dispute letter about personal information that is inaccurate on my credit report. I still havent gotten a response but an inquiry was added to my report.
Consumer complaint received 2020-08-14
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. (TX)

XXXX Dear CFPB, I have tried to work with Experian about the credit information they have complied of me. They are reporting inaccurate information about me to others. 
After receiving a report from the credit bureau, I mailed them a credit dispute shortly thereafter on XX/XX/XXXX, XXXXthat enumerated various errors and inaccuracies that I found in the report. I included copies of my identification information in that mail request. 

I did receive acknowledgment correspondence of that dispute request ; however, after pulling a new report from themI still see items that are inaccurately reflecting on my credit report with them. 

I have attached the most recent report I could get, in this complaint, of all the issues I found of my credit report. They are reporting inaccurate information of me to others. 
Experian is causing me great harm. 

I would like for them to reinvestigate these items being disputed, have them collect the names of the specific people that are verifying this information to be accurate and provide me the supporting documentation of that claim that shows those are items are in fact mine. 

Any business can create invoices for any amounts they would like and make a claim that such amounts are owed to them ; as such, I demand strict proof to be provided in order for the disputed information to remain on my credit profile. 

Thank you, XXXX XXXX
Consumer complaint received 2022-11-01
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)

I have request that the reporting company to remove the inaccurate information that is reporting on credit report. I was a victim of ID theft along with the Equifax XXXX XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX. The inaccurate info is currently reporting on my file. Here are following inaccurate accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AS YOU CAN SEE THESE ARE FRAUDULENT ACCOUNTS. I have request to have these items remove.
Consumer complaint received 2020-08-14
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CMRE Financial Services, Inc. (CA)

XX/XX/XXXX : Called the provided number ( XXXX ) and the assigned specialist ( XXXX XXXX # XXXX ). and left a message. 

XX/XX/XXXX : Called the provided number ( XXXX ) and the assigned specialist ( XXXX XXXX # XXXX ). and left a 2nd message. 

XX/XX/XXXX : Called the provided number ( XXXX ) and the assigned specialist ( XXXX XXXX # XXXX ). and left a 3rd message. 

XX/XX/XXXX : Called the provided number, spoke with XXXX, who told me she could take care of me since XXXX wasn't calling me back. I explained how there was a disagreement between my insurance company and the hospital, which led me into this collection status. I asked her what can be done to minimize the impact on my credit. She told me there was nothing she could do, unless I can dispute the collection and provide an EOB from my insurance company or speak with XXXX  to change things. 

XX/XX/XXXX : Spoke with XXXX, who told me that the collection agency didn't tell me the truth, they are able to pull back the record from XXXX if they want to do so. And that I can also dispute the charges if I want to. 

XX/XX/XXXX : Called back the financial agency at ( XXXX ) and tried to talk with XXXX ( ext. # XXXX ) and left a message. 

XX/XX/XXXX : Called back the financial agency at ( XXXX ) and tried to talk with XXXX ( ext. # XXXX ) and left a 2nd message. 

XX/XX/XXXX : Called back the financial agency at ( XXXX ) and tried to talk with XXXX ( ext. # XXXX ) and left a 3rd message. 

They are misleading on what is the best steps forward to resolve the issue, and, also refusing to call me back or communicate with me to actually resolve the issue. While this is happening, they are still sending me letter that my interest is going up.
Consumer complaint received 2020-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XX/XX/XXXX CONTACTED CAPITOL ONE CUSTOMER SERVICE TO REQUEST A LOWER APR. THE REPRESENTATIVE STATE I HAD NO OFFERSON MY ACCOUNT TO LOWER THE APR. 
I HAVE HAD THIS CAPITOL ONE ACCOUNT ENDING IN XXXX SINCE XX/XX/XXXX = 7 YEARS 6 MONTHS AND NO OFFER IN THE TIME I HAVE HAD THIS ACCOUNT OF OPTION REQUEST TO LOWER THE APR. 

I DO NOT UNDERSTAND IN 7 YEARS OF HAVING THIS CREDIT CARD I CAN NOT GET AN OFFER TO LOWER THE APR. 

FOR 7 YEARS MY CREDIT LIMIT HAS BEEN {$500.00} NEVER INCREASED. 

APPEARS TO BE AN INTERESTING QUESTIONS THAT DESERVES AN ANSWER IN WRITING. 

HOW LONG DO I HAVE TO HAVE THIS CARD FOR ANOTHER 7 YEARS TO GET AN OFFER TO LOWER THE APR. 

MY PAYMENTS ARE CONSISTENT AND ON TIME HIGH PERCENTAGE OF THE TIME.
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

1.XXXX, XXXX, XXXX, XX/XX/2019 payments were reported in the payment section but the loan amount remains the same. 
Transunion, XXXX, XXXX and XXXX XXXX XXXX XXXX were made aware of this and never corrected this, in violation of FCRA LAW. 
2. XXXX XXXX XXXX is being reported on my credit report and not the official name of the credit union. Credit Bureaus have not delete this innacurate account. 
3. Monthly Payment amount missing from my credit report.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion received certified letter dated XX/XX/2022 and I have not heard from them to this day. They were asked to correct my credit report. The only thing I get from all 3 credit bureaus is {$19.00} monthly credit repair to fix my credit report. My score keep dropping.
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (VA)

Freedom Mortgage is the company I am filing the complaint about. I was going to Refi with them at a lower rate but added nearly {$2000.00} worth of fees which was not agreed upon. I paid my payment for XXXX because I wasnt Refiing. I paid XXXX payment on the XXXX but got a statement for the new loan which confused me but paid it to make sure there werent any problems. I get a check from them so I thought they were giving back the extra in my account from taxes or the extra payment. I paid XXXX but then got a notice I was late. I knew i wasnt late but payed another anyway knowing I would get it back. The joke was on me. Freedom charged late fees. I called so many times, I could never get past the customer service representative to talk to someone who could fix things. I was put on hold, hung up on and never received calls back from a supervisor! I wasted hours upon hours. Then in XXXX I refinanced with XXXX XXXX because of their poor customer service and my frustration. Then Freedom made a remark in my credit report that I was greater than 30 days late in XXXX. I reached out to XXXX   and That only resulted in them changing it to XXXX that I was more than 30 days late. I proved to XXXX XXXX that there was a mistake and got a Refi loan through them. I ended up selling my home in XXXX and now I couldnt get another VA loan on a new modular home with land because of this. I once again called probably 100 times, spent hours trying to speak to a supervisor. I still can not get another VA loan until XXXX because the put in the comments that I was greater than 30 days late. I am having to rent now until then. Its expensive and I am certain their practices were illegal. If not illegal at least unfair and no one, particularly a XXXX veteran should ever have done to them. Please investigate this and help me get this fixed.
Consumer complaint received 2020-08-14
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. (NY)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency.

I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above.
Consumer complaint received 2020-08-14
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. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2024-02-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (FL)

I tried to withdraw money from my savings account with Marcus by Goldman Sachs on XX/XX/07 and my account got locked. Ive tried calling several times and I havent been able to speak to a specialist. Every time I call I get placed on hold and nobody ever picks up the phone.
Consumer complaint received 2024-04-10
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: United Shore Financial Services, LLC (AZ)

In XX/XX/year> I had a water damage incident that I submitted a claim for through my insurance company. This claim was finalized and approved some time in XXXXXXXX XXXX 

On XX/XX/year> The insurance company verified a claim payment check was mailed to me. 

From insurance : " This is a two party check to you and your lienholder it will have to be stop paid and resent to you by mail. The lienholder we have on file is United Wholesale Mortgage. '' XXXX XXXX XXXX I received the check & sent it to the mortgage company to endorse and release XX/XX/XXXX they confirmed they received it. 
XX/XX/XXXX they confirmed they released the check to me - 7-10 business days to arrive. 

XX/XX/XXXX - the check arrives & I attempt to deposit. 
XX/XX/XXXX - the bank revokes the deposit, The mortgage company endorsed it incorrectly with the wrong kind of endorsement stamp ( per the bank ). I call them, they apologize and said they would overnight a new check once I send this one back again. I send it back. 

XX/XX/XXXX - mortgage company emails that it was approved and mailed- will take 7-10 business days again as they did not overnight it like they said on the phone XX/XX/XXXX - I call the mortgage company as it hasn't arrived. They sent it to the wrong address again. They apologize and said they will send it out overnighted to make up for it. 

XX/XX/XXXX - I call to check in, they said it was sent yesterday and will arrive in 7-10 business days- not overnighted - again. They have no tracking number for me just a check ID. I said I wanted to speak to someone to provide feedback because I'm losing money each month by discounting XXXX because they have not had a kitchen sink for 6 months now. On the phone they apologize many times. When i ask to speak to someone they don't have an answer for me and say to wait. This back and forth has caused the XXXX to be without a sink for an extra 2 months minimum. I asked if I can get compensated and she didn't directly answer me but apologized. 

I feel completely helpless and trapped as I can not choose my mortgage company at this point and I have not been able to charge a fair XXXX value for my property because the tenants are suffering due to the company 's negligence and inefficiencies.
Consumer complaint received 2020-08-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC (PA)

XX/XX/2020 mailed validation letter to confirm what they say I owe that's on my credit report. I told them I did not agree with the total. 

Certified mail # XXXX XXXX XXXX XXXX XXXX Delivered on XX/XX/2020. 

Unvalidated Debt Amount : XXXX XX/XX/2020 sent letter to XXXX, XXXX, and XXXX.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (IL)

There is XXXX XXXX XXXX ILLINOIS # Docket Number XXXX the date it was filed XX/XX/year> - its not mine and I didnt authorize no one to do it at all and certainly didnt given any agency to report this with out written consent and I would like to to be removed immediately and also there is a hard inquiry on my consumer report from CBNA. Also according to 15USC 1681c-2 I didnt give anyone or agency written consent to report this on my credit ( consumer ) report.
Consumer complaint received 2020-08-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not recieved a response yet, I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and its been over 60 days, so it should be deleted promptly. I demand these accounts be DELETED 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 wrong person hands.
Consumer complaint received 2022-07-22
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)

I submitted a complaint last XX/XX/2022 to remove : ( ), which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included these in my previous Complaint # 's XXXX ; XXXX ; XXXX and I am including these items again. XXXX XXXX Balance : {$400.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$500.00} ; XXXX XXXX {$10000.00} ; XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$740.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX : {$750.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$460.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$4000.00}