davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-27
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. (AR)

I'm sending you this complaint to let you know that I was a victim of identity theft. A sizable amount of illegal inquiries as well as some inaccurate information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC with File Number XXXX as a result. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., XXXX days ). Let me know if you need anything else, please. Please take out the following objects as soon as you can : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX , AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$540.00} XXXX XXXX  XXXX Balance Owed : {$510.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
Consumer complaint received 2022-12-27
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: EQUIFAX, INC. (MI)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-03-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (MS)

On XX/XX/2020, Phoenix Financial services reported collection on all 3 credit reports stating that I owed {$690.00} for a medical bill. After contacting the original creditor XXXX XXXX XXXX XXXX, I found out that my insurance was not billed for said medical bill. After updating insurance information it was stated that the collection would be removed from my credit reports.
Consumer complaint received 2020-08-03
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$13000.00} XXXX XXXX {$440.00} XXXX   XXXX {$1400.00} XXXX XXXX {$10000.00} XXXX XXXX XXXX {$440.00} XXXX   XXXX {$310.00} XXXX {$1300.00} XXXX XXXX {$130.00} XXXX  XXXX {$470.00}
Consumer complaint received 2020-03-04
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. (AR)

Over the past several months I have been going back and forth with all three of the major consumer reporting agencies through direct mail and via phone regarding items appearing on my credit file. I have sent dispute letters along with other correspondence in regards to my identity being compromised which ultimately has lead to fraudulent accounts being created under my name. It has been over 30 days of my most recent dispute which included an identity theft report from the Federal Trade Commission. The FTC Report included some of the accounts in question due to being established through identity theft. I also requested that several fraudulent addresses or other personal information to be removed from my credit file which neither has been updated. I am aware the Credit Bureaus have 30 Days to investigate and most remove disputed fraudulent items if accurate verification can not be completed. At this point my consumer rights have been violated under the Fair Credit Reporting Act Section 605b, 609, and 611 and Equifax has not provided me with any type of documentation supporting anything. I am also aware of the automated data furnisher or e-Oscar verification pacer system which is not considered accurate verification when it comes to identity theft.
Consumer complaint received 2021-12-21
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: General Motors Financial Company, Inc. (CA)

On XX/XX/21 we were approved for an auto loan XXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX XXXX XXXX XXXX knew we were prequalified for the auto loan. Made many attempts at asking us to finance through them we strong advised we were NOT interested. He slammed his highlighter to the table and broke it. Now we have a letter from XXXX XXXX advising a credit check. So, I pulled our XXXX XXXX report and learned he ran us through XXXX unauthorized hard inquiries on XX/XX/21, as follows : XXXX ) GM Financial XXXX # Pending XXXX ) XXXX XXXX Ref # XXXX XXXX ) XXXX XXXX XXXX Ref # Pending
Consumer complaint received 2020-03-04
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2020-01-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Social Finance, Inc. (TX)

There has never been any type of consistency on how the payments are divided into Principal and Interest, and they will not provide an Amortization schedule that shows how the payments are divided. Just strange to me that they said that. 

Thank you
Consumer complaint received 2021-12-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CarMax, Inc. (MD)

This is my second complaint with the CFPB ( see XXXX ). In the initial complaint Carmax Auto Finance sent a payment to accommodate 1 of 3 hardships dealing with the vehicle/loan that occurred in their system. Since opening the original dispute in XX/XX/2020 they have sold the vehicle after CHARGE OFF and are reporting a balance of {$10000.00} on my credit report. First let me state I absolutely did not wish to voluntarily set up the vehicle for pick up. At that time my husband of my XXXX children suddenly passed away and I made an economical decision based on the last six months of issues and the pandemic. At the time Carmax received the vehicle their still was no title or tags due to their system inadvertently taking the tags out of my name for the 3rd time in six months which means there were no tags for well over days. I replaced the brakes and raised a complaint about the lights in the first two weeks at Carmax Auto shop. In addition to that the lights did not work on the vehicle but the first 15 days which is required by law and I attempted to fix this issue twice with Carmax in XXXX and XX/XX/2020 at their repair shop in XXXX and once I returned from the shop the entire electrical system went down on the car and I was informed the alternator had to be replaced in XX/XX/2020 ( one month after purchased ) I replaced that and the battery with XXXX XXXX and complained to Carmax with nothing done. The vehicle remained in the shop ongoing for the entire duration of the vehicle. I continued making payments and repairs all while constantly having the car taken from me by Maryland police due to the car showing up as not registered 3 times enduring much more than the amount of {$1300.00} they sent, I missed work when my car was taking multiple times and pay many fees to retrieve the vehicle.
Consumer complaint received 2020-03-04
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Automatic Data Processing, Inc. (OH)

I have called them over 10 times today trying to get a hold of the dispute center and each time Im transferred to another customer care rep. And after the 4th time being transferred Im disconnected. ADP Cardholder services has been by far the worst service I ever experienced this will be my 3rd card in a 8 month period. This will be the 2nd time my card was hack and this time over {$1000.00} was transferred out of my account without my permission or without notice from ADP.
Consumer complaint received 2020-01-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (VA)

I received a letter from Commonwealth Financial Systems dated XX/XX/XXXX. I have no relationship with this company whatsoever. It states my account has been placed with Commonwealth Financial Systems by XXXX XXXX XXXX XXXX XXXX and that the original creditor was XXXX XXXX XXXX XXXX XXXX. The letters states {$790.00} is due from a service date of XX/XX/XXXX. It mentions they will give a 25 % discount if paid within 45 days. 

I immediately assumed this was a scam ( it was addressed to my middle and last name instead of first and last name ). I did not have any outstanding medical accounts ( I have health insurance ) and XXXX XXXX XXXX XXXX XXXX is not even in my state. I did not have any service on the date listed. 

I did a XXXX search for Commonwealth Financial XXXX  and found a large amount of complaints where this company would try to collect debt on false medical accounts and if not collected, report them to the credit bureaus. I did not contact Commonwealth Financial XXXX due to the amount of complains I read about their reps being abusive. I also did not want to relay my personal info. I'm worried they will report this false account to the credit bureaus and impact my credit. I am happy to give you any info you need ( my  name, account # listed, copy of letter, etc ).
Consumer complaint received 2020-01-08
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. (OK)

XXXX XXXX was my old cell phone provider. I left thinking I had a XXXX balance. After I left I guess another bill came in or something I did not know about. The admitted on the phone with me they had the wrong contact info as far as email and that they may have never tried to call as my number had not changed. They did not try and call me for sure. No voicemail or email or phone call or text. They then reported this to XXXX, Transunion, and XXXX. This is how I found out I had the debt. I called and paid it but they refuse to remove the credit reporting even though I was never contacted and given a chance to even make sure it was legit or to dispute it. I disputed this with XXXX but they confirmed it and didn't take into account what I said about never being contacted at all. XXXX could not have confirmed they contacted me as they admitted they didn't have the right information and never called.
Consumer complaint received 2024-01-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Freedom Mortgage Company (NJ)

I am writing to bring to your attention the challenges and frustrations I have encountered in my dealings with your mortgage company, particularly in relation to the account associated with XXXX XXXX XXXX XXXX, XXXX XXXX. 

In XXXXXXXX XXXX XXXX, my father passed away, leading to the initiation of the process to settle his estate. The gathering of the will and obtaining surrogate information understandably took a couple of months. During this time, I took the initiative to make partial mortgage payments, and in XXXX, I informed Freedom Mortgage of my intention to sell the house. 

In response to my inquiry, They advised me to pursue a deed transfer, incurring a cost of {$1000.00} and taking several weeks to process and submit. Despite my repeated communication with the representatives, emphasizing my role as the executor of the estate, the request for necessary information did not arise until XXXX. After asking and pleading for several months on how I can move along with the sale of the property. 

Regrettably, when the information was finally provided, I was informed that it was too late, resulting in the initiation of pre-foreclosure proceedings. Subsequent legal consultations revealed that a deed transfer was unnecessary for selling the house ; being the executor was sufficient. This information would have been extremely beneficial and would have omitted undue grief. 

In an effort to rectify the situation, I took out a loan under my personal name to cover the past due amount, even though I am not legally liable for these debts. Unfortunately, my attempt to settle the outstanding amount is being rejected by your Freedom Mortgage, demanding additional lawyer fees on top of the already considerable financial burden. 

I am now facing significant expenses, including {$3000.00} for lawyer fees, {$1000.00} for a deed transfer that was unnecessary, and an extra {$3000.00} for the loan, all while being stuck with a property I intended to sell since XXXX. 

I believe that had I been provided with accurate information and guidance from the outset, the house would have been sold, and these issues resolved months ago. I kindly request your immediate attention to this matter and a thorough review of the circumstances, as well as a reconsideration of the requested fees. 

I anticipate a prompt resolution to avoid further financial strain and potential legal actions. Your cooperation in rectifying this situation is highly appreciated. 

The house is currently on the market and has showings on a daily basis, I hope we don't get penalized for taking the wrong direction and losing all my parents have worked so hard for. I am highly anticipating the resolution of this burden. 

Thank you, XXXX XXXX
Consumer complaint received 2022-12-27
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: T.S. Holdings (WA)

Nearly every single day many times a day starting in XXXX 2022, a IQ data international attempted to collect a debt of {$820.00}. I repeatedly told them that I would like to make an installment account and negotiate pay for delete arrangements, they refuse multiple times and I told them I could not pay the debt out right. They threatened to put it on my credit report if I did not pay in full by a certain date and suggested I apply for loans to pay their debt of which the loans they recommended were of an upwards of XXXX  % interest. I repeatedly request installment plans and was denied, they repeatedly called me despite me telling them not to call me and despite me telling them when I would call them back to get back in contact. They have frequently called me despite me telling them not to call me. As I believe today they put it on my credit report despite continually refusing to send written documentation or negotiate installment payments. This was after a many months long harassment campaign, where threats were utilized about damaging my credit.
Consumer complaint received 2022-12-27
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: EQUIFAX, INC. (SC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (UT)

XX/XX/2019 Called CITIBANK XXXX XXXX XXXX They found the account and forwarded me to Federal Fraud Called XXXX XXXX XXXX XXXX Called XXXX Reference XXXX XXXX Called Federal Trade Reference XXXX XXXX XXXX XXXX Fraud Alert on my XXXX account Account opened XX/XX/2019 charged XX/XX/2019 XXXX Over limit alert. Called CITIBANK back again for a " Closed Account '' and they stated they could not locate my information without a Credit Card number. And did not assist me with the letter for " Closed Account ''
Consumer complaint received 2024-04-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Navient Solutions, LLC. (PA)

Good morning, I'm looking to see what options or relief there is for borrows that attended XXXX XXXX. There is a lot of federal relief but it seems almost all private loan holders have been abandoned. Is there any relief in site or are we all on our own? 

Thank you
Consumer complaint received 2020-01-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

To whom it may concern : I have received the response from my CFPB complaint regarding not receiving documents from you. I still dispute the fact of receiving anything from Portfolio Recovery Associates ( PRA ) in XX/XX/XXXX. However, I was able to do some research based on your response to CFPB. 

We ( Myself and PRA ) were in communication regarding the XXXX XXXX account back in XX/XX/XXXX. In fact, once I was able to research my notes and email, I see several concerns as I did in XXXX. First off, back in XXXX, I altered you this account balance was possible fraud. I had requested payment history, account history and summaries, along with any detailed transaction history that may be obtained. 

Please note, as I stated in XXXX and now, I had fraud on another store card back in XX/XX/XXXX-XX/XX/XXXX. This fraud was on my XXXX XXXX card. I believed then and now that my XXXX XXXX balance may too reflect fraudulent charges. XXXX/ XXXX was able to obtain my purchase history and upon investigation, they determined the fraud charges. 

When XXXX XXXX first contacted me, I informed them of my then current situation with XXXX and requested the same documents I request now. In fact, at XXXX XXXX, I spoke with XXXX XXXX ( XXXX, ext. XXXX ) back in XXXX per my notes. 

No documents were sent upon my multiple requests. My account was sold/ moved to XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX. I made the same requests and that company stated they were pushing it back to XXXX XXXX. 

Per my notes, I spoke with XXXX at PRA on XX/XX/XXXX. XXXX said the at the time that the account records have not hit her system yet. She stated it would take a week or so at that time, but she would call me once they records were obtained. 

She also gave me the contact for XXXX XX/XX/XXXX ( XXXX ) and stated I could get some information from there as well. I was contacted in XX/XX/XXXX from PRA. Again I asked for documents of the account. I was told to dispute the account PRA by emailing XXXX. I sent an email on XX/XX/XXXX with the dispute. 

XX/XX/XXXX I received an alarm from my credit card company stating a change on my report. PRA has marked me as delinquent account. I submitted a complaint to CFPB. 

I have been more than patient and tried to contact research this account with XXXX XXXX and PRA several times in the past, as you can see above. I again, plead to have a copy of the account payment history, and any transactions that are archived. This is unfair to post to my credit report as I have stated this account has fraudulent charges/ balance on the account on numerous occasions. 

This is causing my severe mental destress and increasing the number of XXXX XXXX I am being treated that are being medically treated. I have done everything in my power to request documents from XXXX XXXX and PRA. 

Please send me the information requested so I am dispute the fraudulent charges. Please contact me by email ( XXXX ) or by my address on file. 

Thank you, XXXX
Consumer complaint received 2024-02-23
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. (NV)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.