davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-28
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. (TX)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft
Consumer complaint received 2020-03-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AZ)

Nissan Motor Finance continues to report " late '' payments and a balance after the debt was discharged through my husband 's bankruptcy which was discharged XX/XX/18. XXXX. This information has been repeatedly disputed via the credit reporting agencies to no avail. This reporting is illegal. 

As well lender is not reporting sale amount against total amount due. No late payment reporting is appropriate as US Bankruptcy protects the spouse of the person who was discharged.

Only proof of the BK was attached to Nissan Motor 's response. Further action will be taken if not resolved at this time.
Consumer complaint received 2020-03-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BMW Financial Services NA, LLC (CT)

My BMWF Services account is past due for XXXX and XXXX, XXXX payment is due on XX/XX/XXXX. Due to XXXX XXXX, my employer, XXXX XXXX  XXXX, is expected to shut down temporarily.. That being said, income will be limited. I will continue to make payments to attempt to cover past due amount, however, I request BMWF to hold off payments until operations resume. I do not want to risk repossession. The XXXX payment is coming due soon, I request BMWF hold off billing and payments, possibly apply them to end of loan. Further, I am expecting an inheritance soon, I have attached a screen shot from attorney handling estate showing estimated amount I expect to receive. According to the email, disbursement of funds from estate is expected to occur this month or next.. Once I receive payment, I fully intend to pay off loan which I can do as I expect to receive at least 300k. I request BMWF to hold off billing starting with XXXX or allow me time to pay off loan in full before repossession.
Consumer complaint received 2021-12-16
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: Regional Management Corporation (GA)

I am very upset with this issue. I sent a letter to the Creditors regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

Recently I apply for a XXXX XXXX credit card for traveling and it was unable to be approved. 

Because Equifax have me restricted,, as explain XXXX XXXX XXXX.
Consumer complaint received 2020-03-16
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)

I applied for a loan today XX/XX/2020 because I was laid off of work and I need to pay a few bills but I was not approved. The reason why they couldn't approve me is because there were a number of negative accounts appearing on my credit report ; I looked through each account and none of them belong to me. I did not open any of those accounts nor did I allow anyone to open them on my behalf. I did not benefit anything form all of these accounts being open in my name such as money, goods, services or an other benefit nor did I ever make any payment towards any of these accounts. I do not have any written or verbal contract with any of these companies and I never gave them access to my credit information. I have already filed a police report and a complaint with the CFPB regarding all of these unauthorized accounts on my credit report.
Consumer complaint received 2020-03-16
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 applied for a loan today XX/XX/2020 because I was laid off of work and I need to pay a few bills but I was not approved. The reason why they couldn't approve me is because there were a number of negative accounts appearing on my credit report ; I looked through each account and none of them belong to me. I did not open any of those accounts nor did I allow anyone to open them on my behalf. I did not benefit anything form all of these accounts being open in my name such as money, goods, services or an other benefit nor did I ever make any payment towards any of these accounts. I do not have any written or verbal contract with any of these companies and I never gave them access to my credit information. I have already filed a police report and a complaint with the CFPB regarding all of these unauthorized accounts on my credit report.
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (CA)

On XX/XX/2015 purchased XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX sold me XXXX XXXX the car and financed it thru Santander Consumer USA XXXX XXXX XXXX TX. XXXX ( XXXX } XXXX XXXX I found out that the car should of never been sold in the United States I called XXXX XXXX XXXX   XXXX about the problem and they blew me off said they new nothing about it.There was a class action law suit against the XXXX Companey they had altered the computers on the vehicles so they wood pass smog they were foundy Guilty I called the finance company and had them pick up the vehicle I explained to them what XXXX had done they paid no attention to me .The finance company picked up the vehicle sold the vechile once again and sent me a bill for {$13000.00} THE VEHICLE SHOULD NEVER BEEN SOLD IN THE UNITED STATES
Consumer complaint received 2020-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD (TX)

I called on XXXX XXXX, to find out how to make my loan in good standing. I was told the monthly payment was {$96.00} per month and the amount to pay to make in good standing was {$2300.00}. This payment was 585 days past due. I received my tax refund in late XX/XX/XXXX and was ready to pay my loan. When going to payoff this past due amount, I saw online that I owed close to {$3000.00}. I had to make another call in XXXX XXXX to figure this out. I was told that my monthly payment was now {$200.00}. And the payment due was {$2500.00} to bring the account out of default. Now we're in COVID-19 season, and I have been communicating with them via email. During the email, I was told my payment plan of {$96.00} ended on XX/XX/XXXX, and reverted to {$200.00}. Why then on XX/XX/XXXX, was I told that it was {$96.00}? Instead of being current 2 months ago, I have been going back and forth with HHLOANS to figure out and understand what has been going on. This has also been affecting my credit score. I never received communication that my monthly payment of {$96.00} was changing. I never received a notification to recertify my payments to keep my payment low. On 2 instances, I got 2 different forms of information. And only when I had to reach out did I get clarification. Also, I paid the original amount of {$2500.00} on XX/XX/XXXX to bring my account out of default, and paid {$96.00} on XXXX. I still owe an additonal {$750.00} to make my account current. That is a major jump and difference to someone eligble to be on a payment plan of {$96.00}.
Consumer complaint received 2019-12-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (NJ)

EOS CCA is reporting a collection as though it just occurred and that is not the case. There has been no service with XXXX for several years. They are reporting this as a very new account. It passes from once collection agency to another and each report it as a brand new date.
Consumer complaint received 2023-07-04
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. (GA)

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-03-28
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: Experian Information Solutions Inc. (LA)

I have disputed a mortgage account that was opened in my name. This is the 3rd time disputing, with bureaus EX and XXXX. They continue to say that they have verified that the information and it is true and accurate. I disputed again asking for proof that in fact this mortgage is mine ( ie : copy of signature, deed, or previous proof payments ). I was told on a phone call on XX/XX/XXXX at XXXX that they did not have to provide any proof that they verified anything I HAVE A COPY OF THE RECORDED CALL. Within a couple days I received noticed that they have " certified proof that the account is mine. The next day I sent a dispute asking to provide me with a copy of the certified proof to validate this account. I have not received anything from them other than a dispute result that the account is verified and mine, I provided certified proof that I never lived at this address not did I have a mortgage with this company. I have been at my current address since XXXX. I provided a copy of the deed and a certified letter from my home owners association along with a start date of the utilities for my current address in my name to support my claim/dispute. I am certain that the XXXX and Experian has not done a proper investigation. I am a victim of Identity theft and I have a valid police report and FTC report with list investigative findings a person that was arrested and now making restitution for fraud, id theft and a list of other financial crimes. Additionally I contacted XXXX whom they said that they verified this account with on XX/XX/XXXX at XXXX. On XX/XX/XXXX at XXXX I spoke to XXXX XXXX at XXXX. She told me that they have no information in their system that validated the deed or any public record for XXXX XXXX  to substantiate validation of a dispute from Ex or XXXX. Furthermore they have no record of a dispute or validation request from either XXXX  or Ex concerning a Mortgage I had or have with XXXX XXXX XXXX.
Consumer complaint received 2020-03-16
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. (CA)

I am disputing two 30 day late payments in my credit report from a company named XXXX, TransUnion investigated and came back that it was verified, even through I sent them a company of my credit union statement that said the company was paid timely, TransUnion  said that was not good enough, the bill was paid online at the website and funds were taken out of my account.
Consumer complaint received 2020-03-28
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. (LA)

I have disputed a mortgage account that was opened in my name. This is the 3rd time disputing, with bureaus XXXX  and Eq. They continue to say that they have verified that the information and it is true and accurate. I disputed again asking for proof that in fact this mortgage is mine ( ie : copy of signature, deed, or previous proof payments ). I was told on a phone call on XX/XX/XXXX at XXXX that they did not have to provide any proof that they verified anything I HAVE A COPY OF THE RECORDED CALL. Within a couple days I received noticed that they have " certified proof that the account is mine. The next day I sent a dispute asking to provide me with a copy of the certified proof to validate this account. I have not received anything from them other than a dispute result that the account is verified and mine, I provided certified proof that I never lived at this address not did I have a mortgage with this company. I have been at my current address since XXXX. I provided a copy of the deed and a certified letter from my home owners association along with a start date of the utilities for my current address in my name to support my claim/dispute. I am certain that the Eq and XXXX  has not done a proper investigation. I am a victim of Identity theft and I have a valid police report and FTC report with list investigative findings a person that was arrested and now making restitution for fraud, id theft and a list of other financial crimes. Additionally I contacted XXXX whom they said that they verified this account with on XX/XX/XXXX at XXXX. On XX/XX/XXXX at XXXX I spoke to XXXX XXXX at XXXX. She told me that they have no information in their system that validated the deed or any public record for XXXX XXXX to substantiate validation of a dispute from XXXX  or Eq. Furthermore they have no record of a dispute or validation request from either Eq or XXXX  concerning a Mortgage I had or have with XXXX XXXX XXXX.
Consumer complaint received 2020-04-11
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (AZ)

On XXXX I receive a call from Freedom Mortgage as to do a VA IRRRL Streamline Refinance from the Loan Officer XXXX XXXX. We discussed and I had decided then that I would would like to add my wife to the loan. XXXX, told me that was not possible although I knew it was as the VA Handbook describe in what situations can you add and remove individual. XXXX, then stated that he would get her added to title. I was fine with this as it wasnt necessary to add her to the loan but I wanted her on title. As we get tot he end we both sign our Closing Disclosure. We both signed and scheduled closing for XXXX. On XXXX the notary shows up and nothing is as discussed. Everything is show myself as single and nothing as being married. I went ahead and signed because I knew with COVID-19 didnt know when the opportunity would come up again and figured this could be fixed in post closing. I sent an email toy XXXX and a sales manager called me later that day saying he would follow up. I still have not heard anything
Consumer complaint received 2020-03-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CT)

CCS claims I owe an amount of {$1800.00} to XXXX XXXX for auto insurance policy which was canceled soon after the policy was purchased. The amount is the down payment to start policy which I believe includes two months of coverage, possibly first and last month, I am not certain. The policy was canceled soon after purchase date, I believe a week or two after. It appears XXXX XXXX has not adjusted the amount to reflect cancellation, did not pro-rate it. Further, several attempts were made to debit my account for amount despite cancellation prior. These attempts caused several overdraft fees which I was not reimbursed for and I believe XXXX XXXX is responsible for as it is in their error for making attempts. Needless to say, I do not owe full amount and am disputing it as again, it does not appear to be pro-rated, {$1800.00} is an unusually high amount for a down payment even for two months of coverage. I suspect XXXX XXXX is adding on bogus fees to inflate the balance further. In closing, please advise CCS I will not pay such a high amount, it needs to be adjusted to reflect correct amount as well as overdraft fees.
Consumer complaint received 2020-03-16
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: WELLS FARGO & COMPANY (VA)

I am trying to get Wells Fargo Bank to comply with the FCRA and provide proof that notice was given prior to the sale of a vehicle that was illegally repossessed. Wells Fargo stated in a written letter they had terminated the relationship with the repossession company, and has none of the documents required to provide a lawful repossession per UCC 9 and Commonwealth of Virginia Law.

I am specifically looking for proof of Notice of Redemption and a Notice of Deficiency.

Law states these two items are required for the creditor ( Wells Fargo Bank ) to collect a deficiency amount.

I was never notified of Redemption, Time to Cure, Notice of Sale or Notice of Deficiency.
Consumer complaint received 2022-12-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-16
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

My original was with XXXX XXXX, ever since Shellpoint took over its been a mess. In XXXX I fell off a ladder working on the property, I was told by XXXX XXXX at Shellpoint that they would be able to modify the loan to take those 2 months and put it at the end of my loan to keep me current because of the XXXX XXXX XXXX I sustained. They never did brought my account current as promised. I have an email correspondence between Shellpoint and myself in that email I stated that once I make this payment I will be current and Shellpoint responded yes, again that never happened and they continued to compound late fees and other fee 's to try and keep me from refinancing my home. They are trying to put me in such a bad financial situation so they can foreclose on my house. If you XXXX Shellpoint Mortgage Serving reviews you will see the numerous compliants, most are the same as me.

I have showed my proof to Shellpoint and they never respond.