davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (TX)

When looking over my report I went through and found some discrepancies on my report. Experian and XXXX XXXX are reporting 11 Charge offs on my report also as well as dates of payments negative reports and balances. I have requested validation of the account countless times, and have only received e-oscar verification from experian. I also I have also contacted XXXX to validate account and was told the account was sold to XXXX XXXX. When I sent a letter to validated with XXXX I was told the account was back with the original creditor XXXX. I have looked at my report countless times and nothing shows this account to be accurate, true or that it my account. This error and Item in question on my report made by all parties involved including Experian is on my repoert.
Consumer complaint received 2023-01-16
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: EQUIFAX, INC. (NJ)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-08
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAINE & WEINER COMPANY, INC. (NY)

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.

CAINE AND WEINER has violated my rights.

15 USC 1681 Section 602 A. States I have the right to privacy.

15 usc 1681 S-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.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the followingitems of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
please delete this account thank you.
Consumer complaint received 2018-03-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IN)

FROM XXXX-XXXX  I SCAMMED BY FRAUDERS VIA XXXX ROMANCE SCAMS AND XXXX EMPLOYESS IN THE MONEY SERVICES AREA AT STORES.. 

I HAVE BEEN SCAMMED FOR MORE THAN {$260.00}, XXXX AND IT MONEYGRAMS, XXXX AND XXXX PROBLEM. I WANT ALL TRANSFER IN MY NAME..
Consumer complaint received 2020-06-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lockhart, Morris & Montgomery Inc. (OH)

On XXXX a firm called Lockhart Morris & Mo on XX/XX/XXXX filed a Derogatory remark that lowered my credit score on a medical bill Collections account that was incurred in mid XX/XX/XXXX at XXXX XXXX XXXX XXXX for {$1000.00}. This account is not eligible for such a negative impact status since it is now near to 7 years of age old. XXXX link from consumerfinance.gov in order to Dispute with XXXX are broken as of XX/XX/XXXX. Also the Dispute Claim link from their website ( after member registration and Terms Agreement and then Login ) did not respond as of XX/XX/XXXX either. Today, XX/XX/XXXX member login attempts at XXXX does not even offer slots of Name or Password to fill in. When clicking the XXXX link ( XXXX XXXX XXXX XXXX XXXX ), it simply reads ... 
" The requested URL was rejected. Please consult with your administrator. 

Your support ID is : XXXX [ Go Back ] ''
Consumer complaint received 2022-04-18
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. (TX)

I called Transunion and XXXX to remove accounts from dispute status and remove dispute comments on XX/XX/22. Associates at both credit bureaus told me that they do not see the dispute comments under my XXXX XXXX XXXX account ( see last page of attached ), but when I print out my credit report, the comments are clearly there. This error on my report is preventing me from obtaining a mortgage, lenders do not like to see accounts in dispute status. The XXXX XXXX XXXX account should not have any disputes on it, and both credit bureaus are telling me that there is nothing they can do to fix this error.
Consumer complaint received 2019-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (OR)

Synchrony Bank will not let me change my address and phone number. I have attempted to change it on the web sites and it won't work. I have been on the phone with them for hours and they won't change it. 

They gave me a website to go to to verify my information ( XXXX ) and it won't work. I wasted 2 hours trying to get it to work and shot 60 videos to upload ( did not work ). 

The manager told me my emails were no good, my telephone numbers were no good and that I had to send in copies of a state id, passport, social security card, a local bill etc. 

Then the manager said my address was not listed in the three credit bureau files ( a lie ). I have copies from all three credit bureau files and the address has been changed since XX/XX/2018. 

I have never had such a difficult and aggravating time changing an address as this company has made it. I have on three occasions  attempted to change the address and phone number only to be denied the right to do so. This is unacceptable and unprofessional.
Consumer complaint received 2020-06-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (NY)

Since XX/XX/XXXX I got a. {$3000.00} dollar loan from going to a business college I had been exepted but? I had no business being there because I was a dropout freshman from high school and had no idea what in the world I was doing at all? So, I dont know why for all these years I've had my income federal income taxes taken from and nobody knows nothing about the money??? The IRS says they dont know and the borrower says they dont know and on top of that I was making payments on the loan throughout the years and no sign of payments havve ever been shown to me??? Its been take, take, take and the interest obviously just keeps growing and always just owe more and more!!! XXXX XXXX XXXX
Consumer complaint received 2022-01-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MO)

On XX/XX/2021 I used Venmo for a transaction. Shortly after sending funds via Venmo I learned that I was interacting with a fraudulent person using multiple false identities on their platform. I immediately alerted Venmo. I also contacted my bank to prevent fraudulent withdrawals from my account. To my knowledge Venmo did nothing to stop or investigate the fraudulent activity and instead has attempted to pressure me to pay Venmo the amount they lost in the fraudulent transaction.
Consumer complaint received 2020-06-08
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC ()

Never wanted our mortgage Servicer to change to Fay Servicing from XXXX XXXX. I read bad reviews & complaints about Fay Servicing. Always, constantly having issues. XXXX kept payment & kept trying foreclose & put my name on foreclose several times on court records, when mortgage was in modification. I was told that they only start at 5 % with modification when ours was 2 %. Then they told me I had get / pick own ins. So I did, then they forced place insurance making payment go up. When talk to representative Im told their placed ins taking off but when transferred to customer service told 2 forced placed ins and caused problem to run modification payment higher & messed up escrow. Figures not add up & charging wrongful fees. Our modification payment should be XXXX not XXXX. I feel they are wrongly forcing insurance & not honoring modification guidelines. I feel deceived and hard trust their practices. Consumers deserve be treated fairly and no extra cost when trying get only home paid for without added fees & wrongful cost. Fay servicing already been sued for same forced place insurance & wrongful practice that still engaging in and wrongfully putting on me & other consumers.
Consumer complaint received 2019-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CarMax, Inc. (NC)

I have been having several problems with Carmax Auto Finance, they are currently reporting a fraudulent address attached to my name and social in which I have never lived. They have no authentication of this address being associated with me, but have merged my information with someone with a similar name and date of birth as mine. I was contacted by this individual to stop using her address as it was never done by me this was all done by Carmax Auto Finance and they have forwarded this information to the credit bureaus which is causing an issue on both sides.
Consumer complaint received 2024-04-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

{$900.00} was illegally taken from my USAA checking account last by an unauthorized person/account last XX/XX/2024. Reported it to USAA on same day but 7 days has passed never received any refund or any update from them.
Consumer complaint received 2024-04-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank (FL)

Back in XXXX or XXXX of 2023. I found a suspicious email from a synovus bank, stating I've signed up for paperless banking. I've never open an account or tried to open an account with them. So I called, spoke with someone who stated, yes, there was an account opened in my name. There was {$50.00} in the account and it was in good standing. I told them it was not my account and that someone had opened it in my name. She wrote her notes, assured me that this account would be red flagged and locked. She also assured me that nothing else had been open in my name. 
From there I locked all my credit bureau access. Fast forward to last month I get a notification from credit karma that stats a new account has been added yo my collections in the amount of {$5000.00}. From XXXXXXXX XXXX XXXX. Original creditor is Synovus bank.. I was assured by them nothing else was in my name. Apparently that was a lie. I now have {$5000.00} that I need help getting removed. 
Thank you
Consumer complaint received 2023-01-16
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FORD MOTOR CREDIT CO. (TX)

I have already sent a complaint to CFPB on XXXX XXXX XXXX now someone at XXXX credit are trying to repossess my paid for truck yes it paid in full and I don't have my title because they are saying I owe more money and interest don't understand why I owe interest when I paid all my late fees when I was late every month and I paid all the advances back I think someone inside of XXXX credit is using XXXX credit name to steal within their offices so I have hired someone to audit my contract and take a look because I don't understand what's going on
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Altisource Portfolio Solutions, S.à r.l. (DE)

Altisource/Lendersone date XX/XX/year> I called altisource to find out why did their name showed up on my credit they told me they dont have my information in their system. I informed the agent that theres an inquiry with the company name on XX/XX/year>. The agent said he will send a letter to confirm its wasnt authorized via email. I waited and no email came in. The next day I call and got another representative who also said they dont have my information in there system. He advised that he is going to reach out to his supervisor and will follow up. I still have not heard from them. its almost XXXX  months and no follow up or letter.
Consumer complaint received 2021-09-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

XX/XX/2015 and {$1300.00} The action that has been taken is to take this account off my credit report including Transunion, XXXX and XXXX.
Consumer complaint received 2020-06-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REGIONS FINANCIAL CORPORATION (NC)

I reached out to my current lender who is presently holding my mortgage, to explore options for refinancing with them. I initiated the first contact with them on XX/XX/XXXX. After several delays and standing me up on a couple of meetings, the loan officer finally connected with me on XX/XX/XXXX. He sounded pleasant and eager to get my business and got all my details ( including my personal details, income, assets, property details, ssn ). He ran a credit check on me and my wife. Then he offered me 3 options ( interest rate for a portfolio, Interest rate for selling to agencies, Interest rate for selling to agencies with no closing costs except appraisal ) with a interest rates ranging from 2.375 to 2.875 % on each of these options. He told me to apply online if i am interested to take this forward. I filled up the application with them online onXX/XX/XXXX. The  loan number was created online and the interest rate in the system showed a different rate ( 2.75 % ) completely different from what we earlier spoke. I emailed them indicating this, and got a reply on XX/XX/XXXX, that i am eligible for the same rates and options that I was originally offered and there should be some system glitch. I responded to the email that I am choosing the portfolio loan ( 2.375 % ) and asked them to update their system and send me a loan estimate so that I can compare their offer with the other lenders and make a decision. They had not corrected the rate in their system nor given me a loan estimate till date ( its more than 5 business days since my application ). 

I followed up with them over emails twice last week as well as I called the loan officer and left a VM on Friday and i have not get any return call yet. 

I got an email from their processing team on Saturday XX/XX/XXXX asking me for documents and next steps for underwriting. I was baffled and told them that I have not even got the Loan estimate nor given them any confirmation to move forward. I requested them to cancel my application expressing my disappointment and explaining the situation. The processor acknowledged my email today XX/XX/XXXX copying the loan officer thanking me for the feedback. Till now I have not got any Loan Estimate from them.
Consumer complaint received 2020-06-08
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Frontline Asset Strategies, LLC (GA)

This is NOT even for me. It is something apparently in my husband 's name. He would NOT identify himself and what company. I had to look up the number. I refused to give him any info and I was then threatened numerous times including showing up at my home and my place of business as well as my husband 's employer. I told them they had no right to harass me and he continued. It is against the law for him NOT to identify himself and threaten me. The only solution is to pay for the phone call and for threatening me. I will not accept ANY less. I told him to stop and he continued to threaten and NEVER identified where he was calling from. Nasty, nasty man in violation of federal law
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please investigate this record on my account. I did not file for bankruptcy. This is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. 
Bankruptcy - XXXX XXXX XXXX Date Filed XX/XX/2014 2014
Consumer complaint received 2023-01-16
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. (PA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-03-03
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (CO)

This complaint is regarding XXXX XXXX. XXXX XXXX is refusing to provide tax documents and a closing statement for a reverse mortgage that was paid in full in XX/XX/XXXX. 

XXXX XXXX refuses to provide the total interest and fees charged during the 38 month life of the loan. 

I am the successor trustee for the estate of my grandfather, who took out a lump sum reverse mortgage in XXXX of XXXX. He died in XXXX of XXXX. I paid the loan in full in XX/XX/XXXX. XXXX did not provide a final payoff statement for the loan ; when I inquired, XXXX claimed it would be sent at year end, before XX/XX/XXXX. 

XXXX XXXX claims now that the loan payoff statement does not exist. 

XXXX XXXX refuses provide tax documents ( form XXXX ). 

Through over a month of phone conversations, XXXX representatives have provided false and conflicting statements regarding this account. 

XXXX representatives claims during phone conversations include that the XXXX was mailed ( on three different dates ), that the XXXX would be faxed, that the XXXX was never generated, and a claim that they could not provide a closing statement or tax documents for the loan because the IRS prohibited them from doing so. Additionally, XXXX representatives had stated that, though the loan shows as paid in full, there is no payoff statement, and that they do not have any document that itemizes the interest, MIP, and other fees that they collected at loan payoff in XX/XX/XXXX. 

Time is off the essence for this complaint. I can not file federal income taxes as trustee for my grandfather 's estate, or my own taxes, because XXXX XXXX   refuses to provide a form XXXX, a closing statement for the loan, or any other relevant documents.
Consumer complaint received 2022-01-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are 3 derogatory alleged medical collections placed on my Transunion, XXXX, and XXXX consumer reports. These alleged collections are from the same company which is XXXX. XXXX has placed an alleged collection for {$200.00}, {$260.00}, and {$260.00}. I have tried to get this removed with no luck. I was involved in an auto accident and when my attorney settled the case all of my medical bills were paid out of the settlement. This collection company committed fraud by stating that these accounts meet FCRA requirements. They did not provide proof that these belong to me nor did they provide documentation showing that I signed any contracts with my social security number on any paperwork. I have all paperwork from the accident that I will provide to the courts because I will be seeking a remedy from the XXXX and from Transunion, XXXX, and XXXX for allowing this company to commit fraud. XXXX did not get my permission to place these fraudulent collections on all 3 of my consumer reports. They have violated consumer law 15 USC 1681b ( 2 ) which is a {$1000.00} violation among other violations. XXXX also ran a soft pull on my consumer reports before placing these alleged collections. I have also provided proof that XXXX ran a soft pull on my consumer reports before placing these fraudulent accounts.