davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-25
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (KY)

In XXXX of XXXX we were offered a special forbearance on our mortgage from M & T Bank due to temporary hardship. The way the forbearance was explained to me was that we could simply pause our payments for 6 months and the bank would just add the 6 months to the end of the term of the loan. There would be no changing of the terms of the loan and it would not go on our credit report. 
At the end of that 6 months in XXXX of XXXX, I called the bank to begin making payments again. They explained that we were eligible for another 6 months and that the terms of the forbearance were still the same as before. We agreed in order to take the opportunity to pay down some of our other debt. 
We then called the bank in the middle of XXXX to schedule our mortgage payment for XXXX. Thats when we were told the terms had changed on XX/XX/XXXX, without us being informed, and that we would have to pay the past due balance of nearly {$30000.00} in full in order to keep our original loan terms and that if we could not do so then they would have to submit a loan modification and it would be based off the current interest rates. We were told that there are no other options than those XXXX or we would be subject to foreclosure. 

After the loan modification was approved our interest rate had doubled and our payment had increased {$1000.00} from the original payment. 

After a few conversations with customer service reps we found out that the original forbearance we agreed to was no longer in place after XXXX of XXXX, and we were never informed of this. Not even when they offered it to us again in XXXX of XXXX. 

We are currently scheduled to make a payment of {$2900.00} on XX/XX/XXXX as part of a trial payment for XXXX months in order to continue with the loan modification so that we do not face foreclosure. 

We feel as though, rather intentionally or unintentionally, we were mislead both in XXXX of XXXX and XXXX of XXXX as to the actual terms of the forbearance. On top of that the terms were changed without our knowledge. It was never explained to us that the forbearance was subject to change at any moment and that it was not even up to M & T Bank but that their investors dictated the terms of the forbearance and could change them without notifying us at anytime they chose.
Consumer complaint received 2021-12-31
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. (NY)

Please remove these negative items off my report its been more then thirty days I have not gotten any confirmation or supporting documents for these items please remove items off my report
Consumer complaint received 2019-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

XXXX XXXX XXXX reported my mortgage as paid in full in XX/XX/2010, but did not provide a satisfaction certificate to me. This information is also listed on my XXXX credit report but their alleged predecessor Nationstar Mortgage claims that I never paid. I am fighting a foreclosure to no end.
Consumer complaint received 2021-12-31
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: MUFG AMERICAS HOLDINGS CORPORATION (CA)

I previously notified your company that I am a victim of identity theft, and requested that you do the following : - Close the unauthorized account - Remove any charges on the unauthorized account, and - Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I filed my original Identity Theft Report with the Federal Trade Commission on XX/XX/2021, report # XXXX. As well, I filed a complaint with the Consumer Finance Protection Bureau on XX/XX/2021, and sent the same information to XXXX, XXXX and XXXX. 

I recently pulled a copy of my credit report on XX/XX/2021, and found that MUFG UNION BANK is still reporting this fraudulent information to my XXXX and XXXX Credit Report. I have enclosed a copy of the new FTC Identity Theft Report, Report # XXXX, filed on XX/XX/2021. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to the CRAs.
Consumer complaint received 2022-01-01
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. (CA)

I previously notified your company that I am a victim of identity theft, and requested that you do the following : - Close the unauthorized account - Remove any charges on the unauthorized account, and - Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I filed my original Identity Theft Report with the Federal Trade Commission on XX/XX/2021, report # XXXX. As well, I filed a complaint with the Consumer Finance Protection Bureau on XX/XX/2021, and sent the same information to XXXX, XXXX and Transunion. 

I recently pulled a copy of my credit report on XX/XX/2021, and found that XXXX XXXX XXXX  is still reporting this fraudulent information to my XXXX and Transunion Credit Report. I have enclosed a copy of the new FTC Identity Theft Report, Report # XXXX, filed on XX/XX/2021. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to the CRAs.
Consumer complaint received 2021-07-29
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: ENCORE CAPITAL GROUP INC. (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have tried disputing XXXX XXXX XXXX  with 2 of the credit bureau and they are not listening to my concerns. XXXX XXXX XXXX will not send me the detail of the charges or the contract or lease. They have also put 2 accounts on my credit report which is unfair and making my credit suffer. XXXX and XXXX how can I have 2 accounts. 

When I contacted XXXX XXXX XXXX XXXX stated I only owed XXXX so how did XXXX XXXX come up with so much. I want these accounts delete.
Consumer complaint received 2021-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been disputing my 3 credit reports trying to get them to remove XXXX XXXX XXXX show I owe XXXX and the account was opened XX/XX/2018 I never had a account with XXXX XXXX XXXX and they can not send me any documents showing so. I have tried with no success. all three bureaus just keep siding with them. 

also I have disputed all three bureaus about XXXX XXXX XXXX -- shows I owe XXXX past due on charge off account. The account was not charged off My report shows XXXX XXXX XXXX XXXX balance closed. You had to have a saving account to get the card the 2 are link together. They sent me a refund. My balance should show XXXX. 


I have uploaded proof of both accounts and errors.
Consumer complaint received 2021-07-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (CA)

the year was XXXX XXXX was the month, times was hard working part time due to pandemic not making enough money to buy things cash or debit bank card, with a newborn on the way i knew i was going to need and want things for my son, so i walk into XXXX XXXX trying to apply for a credit card to be able to afford few things right away everything came back negative was denied instantly not knowing why i question and luckily the guy that was helping throughout the store told me get a credit check with the 3 credit bureaus to see what you owe or what's going, so i did after weeks of disputing 10 accounts that were open back in XXXX 7 out of 10 creditors drop after investigation two back came saying no you owe us, both creditors told me if you really do not owe these accounts and your not at fault file a police report that will help all of us remove these accounts and we will continue the investigation, so i did attach police reports to my disputes like i've told everyone i ever spoke to about these accounts, the time all these accounts were open i didn't have a dollar to my name never work didn't file taxes had no source of income sadly i've been a victim of identity theft no way someone without a job could get approve for any amount of credit line thanks to these two creditors who don't care about laws suchs as FCRA they have no prove in any way paper on the phone that these accounts belong to me. if you guys can please take a closer look nobody cares now they just hang up once i ask for more of there time the credit beuras suchs as XXXX  and XXXX  all they do is dispute the creditors but don't solve anything just like the creditors they hang up or say a supervisors will call you in the next 24 hours no call, the creditos XXXX  and nordstrom dont give me more info other then its my accounts with zero proof no billing statement that matches my accounts since i didn't own a bank then its a nightmare with no help they are no holding of an telling XXXX  to tell me that these accounts are going to drop in XXXX that's not the point 7 years of bad credit and nobody care
Consumer complaint received 2021-07-29
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. (TX)

I have disputed several times and received know help, XXXX XXXX XXXX is violating my rights.I opened an account with them XX/XX/XXXX, XXXX account number starts with XXXX it went into Charge Off status XX/XX/XXXX. XX/XX/XXXX they transfered the account to another XXXX XXXX XXXX office, they say ... 

then they gave it another account number acct # XXXX XXXX with XXXX past due and turned it into a collection and reporting past due balance on my report. XXXX  shows account paid.the acct # XXXX XXXX XXXX balance. 

I have tried to resolve this issue with all three bureaus with know help. 

I will upload proof of these statements.
Consumer complaint received 2021-07-29
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. (NC)

I have sent several letters requesting a method of verification on XX/XX/2021 ; XX/XX/2021 ; XX/XX/2021 regarding them stating that the they validated the information on my credit report. I also provided them authorization for an additional investigation in which there were no results received. I would like for a valid method of verification that the invalid information is indeed mine that they have not removed from my credit report. If they are unable to provide the method if verification the information needs to be removed from my credit report.
Consumer complaint received 2021-07-29
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 have disputed several times and received know help, XXXX XXXX XXXX is violating my rights.I opened an account with them XX/XX/XXXX, XXXX account number starts with XXXX it went into Charge Off status XX/XX/XXXX. XX/XX/XXXX they transfered the account to another XXXX XXXX XXXX office, they say ... 

then they gave it another account number acct # XXXX XXXX with XXXX past due and turned it into a collection and reporting past due balance on my report. XXXX  shows account paid.the acct # XXXX XXXX XXXX balance. 

I have tried to resolve this issue with all three bureaus with know help. 

I will upload proof of these statements.
Consumer complaint received 2021-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have made several attempts to get these inquiries removevd from all three of my credit reports I did speak with a person over the phone about a reverse mortage but I never authorized him to pull my credit. Delete these inquiries.Nor did I authorized XXXX ; XXXX store remove these inquiries XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2021-07-29
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 have made several attempts to get these inquiries removevd from all three of my credit reports I did speak with a person over the phone about a reverse mortage but I never authorized him to pull my credit. Delete these inquiries.Nor did I authorized XXXX ; XXXX store remove these inquiries XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2024-04-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc. (IL)

Notice : This is not a duplicate filling please read!! 

I am submitting a unique complaint against Self Inc. for the negative reporting of a charge-off on my credit report and their failure to provide Form 1099-C and proof of canceled debt. Self Inc. reported a charge-off of {$800.00} on my credit report, adversely affecting my credit score. Despite disputing the charge-off and providing evidence supporting the successful resolution of the dispute, Self Inc. has failed to update the information on my credit report accordingly. This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), specifically sections 1681s-2 ( a ) ( 1 ) and 1681i ( a ), which mandate accurate and up-to-date reporting by creditors. 

Moreover, I requested Form 1099-C and proof of canceled debt from Self Inc. over a year ago, but they have not complied. The failure to provide this documentation violates IRS regulations ( 26 U.S. Code 6050P ) and raises concerns about their transparency and compliance with consumer rights.

In addition, pursuant to my rights under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), I hereby exercise my right to opt-out entirely from any sharing of my personal information with Self Inc. , including reporting information on my credit report. I request that Self Inc. immediately cease all reporting of information on my credit report.

I request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take immediate action to ensure Self Inc. complies with FCRA regulations, ceases all reporting of information on my credit report, and provides the necessary documentation, including Form 1099-C and proof of canceled debt. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address these concerns and ensure a fair resolution.
Consumer complaint received 2021-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Received a text notification that looked like a BofA Fraud Alert. It asked to confirm a transaction for XXXX at XXXX # XXXX - Y or No Text came @ XXXX - I responded " no '' @ XXXX XXXX. They responded @ XXXX XXXX " Thanks for confirming we'll call shortly @ XXXX XXXX XXXX The text came from XXXX XXXX XXXX. Everything looked like an authentic BofA Fraud text. They called and BofA showed up on caller ID, they asked some Q 's to confirm my identity name & email address. Then they asked me about the transaction ( have I been to Texas or was I at the XXXX ). The rep told me I needed to secure the account to prevent fraud. He told me to login into bank app and go to XXXX. Asked me for an email not linked to my bank account. I gave the XXXX they then asked me to confirm the verification code sent to my email. I was at work on a break I used and the rep created a sense of urgency. The rep had me add my XXXX XXXX XXXX account to XXXX and told me to put my first and last name to confirm it. He told me to pt down {$3500.00} down and to write " XXXX transaction reverse '' They had me believing I was reversing a pending transaction. After it was done they asked me to hold and after about 5-10 minutes I was hung up.
Consumer complaint received 2021-07-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (OR)

I attended Sumner College back in XXXX. I currently owe approximately over $ XXXX. I did not complete the college course because the college discontinued the program. They had mentioned that I would be able to transfer my credits to another college. When I tried to transfer over to another college they weren't able to transfer my credits. I had no choice but to start over and get a new loan at XXXX XXXX XXXX in XXXX. 
now in XXXX, I am having really difficult time trying to pay this loan that I didn't get anything back on and still have to pay my other student loan where the program was also discontinued. job is hard and I am now in forbearance and I talked with company to see if they can help me and I have had no luck with this issue.
Consumer complaint received 2019-12-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (VA)

Hyundai motor credit & Gap insurance were notified XX/XX/2019 the car was totaled. The Insurance company paid out the loan. 

On XX/XX/2019 Hyundai claims they sent Gap insurance the paper work to pay off the remaining balance. 
Gap insuranse claims they never recieved it to satisfy the loan. 
Hyundai stated to gap ( verified address ) they will agin send the paper work XX/XX/XXXX XX/XX/2019, I recieved a letter from Hyundai dated XX/XX/XXXX, that the debt has not been satisfied. My credit report now has XXXX non payments listed from them. 

What can I do. The Gap insurance is still waiting to recieved the paper work from hyundai to resolve the balance, meanwhile I will get another non payment in XXXX XXXX XXXX
Consumer complaint received 2021-07-29
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. (TX)

I have made several attempts to get these inquiries removevd from all three of my credit reports I did speak with a person over the phone about a reverse mortage but I never authorized him to pull my credit. Delete these inquiries.Nor did I authorized XXXX ; XXXX store remove these inquiries XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2021-07-29
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: EQUIFAX, INC. (NY)

Hello my name is XXXX XXXX. I recently checked my credit report and was able to see a bunch of fraudulent actions taken in my name. I saw numerous fraudulent accounts as well as inquiries on my credit report. This is frustrating because I never attempted to get any lines of credit with these companies, and now this fraud is hurting my credit score. I am very frustrated at the fact that I have tried to resolve this many times. I will place the items I want removed below along with an FTC report and proof of ID.