davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: GreenSky, LLC (NC)

I have requested for a duct cleaning service with XXXX duct cleaning service, they came and connected with Greensky to pay the amount, they told me if I pay in a year there wont be any additional charges. The person called from his mobile and I have provided all the information requested and accepted that I am going to use their services. 
Very next day I have visited and looked the cleaning service vendor has provided and I came to know they didnt do any services and I have called greensky to dispute the charges. After couple of weeks I didnt hear anything I called Greensky again, they told me who was investigating was on vacation and once they back they get back to me however they lift dispute without informing us. When they follow up they told me they dont have my information that is the reason why the didnt contact me. And they forced me to pay all the amount what I didnt get the service. 
When I called and requested for support they told me that they dont do anything and I am responsible for all the amount
Consumer complaint received 2019-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: New Era Asset Management, LLC (FL)

I got a message on my voice mail this morning. This is the transcript : " Hi this message is intended for____in regards to___ My name is XXXX XXXX I'm with new era asses management. This is not a sales call. Please return the call at your earliest convenience. Mr.____ for whatever reason I have your number on file here as a contact number for____ I have a matter of hers that was forwarded to my office that requires an immediate response. I can be reached directly at ( XXXX ) XXXX Calling back please refer to file number XXXX I will be in the office today until XXXX eastern time. '' The person called myself and my husband and are trying to collect from my mother in law. According to her she does not owe anything to any credit agency.
Consumer complaint received 2015-11-18
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK (TX)

Discover Bank closed XXXX my oldest credit line due to inactivity ( 24 months ) without providing any notice or warning! I received online their " decision '' on XX/XX/2015, but the card was closed XX/XX/2015. I was planning to make large purchase on it and now I am left with nothing. I have XXXX and I was not able to call them ; so instead I contacted their customer service online and asked them to reinstall the card, but they refused. I was told to reapply for credit again??
Consumer complaint received 2016-02-03
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

ace cash express approved a loan that was submitted online in 2013 which was not done by me with my personal information that has lead me into owing there company and has lowered my credit score .and now I am not able to get any information from this loan company on the application that was submitted to them online because they sold my file to an agency so I can figure out what solution I can come up with to fix the bind im in.
Consumer complaint received 2021-12-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (MO)

Wells Fargo opened a fraudulent checking account in my name. Wells Fargo has confirmed this was opened, but will not confirm if the account has been closed. I have provided them emails showing where the account was opened online at XXXX am and how the person then tried to change the email on the account to a different email address. I just want them to close the account and not waste anymore of my time with fraud occurring in my name.
Consumer complaint received 2016-06-16
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Continental Services Group, Inc. d/b/a ConServe (OH)

I enrolled in school and never attended for XXXX. I contacted the school several times and was told everything was okay. I now on my credit report have not XXXX but XXXX collections that were turned over for a school I never once attended any classes in. I have disputed via my credit reports and can not seem to make any progress with that. But the account is not mine let alone now XXXX of them showing.
Consumer complaint received 2021-12-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I disputed late payments on my Experian, XXXX and XXXX credit report and provided proof that the original creditors were contacted, and the late payments remain. Experian, XXXX and XXXX are in clear violation of my rights as a consumer. I sent over a letter received from XXXX on XX/XX/2021 advising that all late payments should be removed and as of today XX/XX/2021, they remain. I sent over a letter sent to me from XXXX / XXXX stating to discharge and remove any late payments and as of today XX/XX/2021, they remain. The below listed accounts have not been resolved and late payments still remain : Account Name : XXXX Late Payments : XX/XX/2021 and XX/XX/2021 Account Name : XXXX Late Payment : XX/XX/2021 Account Name XXXX XXXX XXXX Account Number : XXXX Late Payment : XX/XX/2021 Account Name : XXXX XXXXXXXX Account Number : XXXX Late Payment : XX/XX/2021 XXXX
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NV)

It is clear to me that a mistake has been made on my credit report ... These companies conducted a credit inquiry without my authorization.. I disputed the inquiries but it came back verified. I never gave this company the permission to check my credit report.. Please take this off XXXX, XXXX, XXXX
Consumer complaint received 2022-12-14
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: Experian Information Solutions Inc. (FL)

I Consumer, and a natural person who is aware of all rights that I have, which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Inquiries : 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 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S.C 1681 ( 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 2021-12-28
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

as of XX/XX/XXXX I was giving a new payment XXXX which I paid for a whole year no lates XXXX 4.5 % XXXX XXXX XX/XX/XXXX I applied for a forbearance plan due to the covid-19 0utbreak which they canceled and gave me modification of a XXXX which changed XXXX 3.25 % which is no savings at all, how does the payment go up from XXXX XXXX, after I proved to PennyMac i'm exempt of realestate tax and when I purchased this without my real estate exemption my payment was XXXX .And another thing on XXXX XXXX I decided to get me so new homeowners and auto insurance with statefarm and pay the premiums directly they wont change the payment on the loan which in fact im paying my own home policy presently I been trying to get my money back or get a new loan from someone else I believe the have been sabotaging my credit and has cause all my money problems I need to get aways from this company .Please help they are the worst mortgage company I ever delt with they constantly change your payment and charge us a late fees making it so bad you have to refinance for any relief... ..then hold up your process time so you cant refinance out from them ....
Consumer complaint received 2021-12-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (DE)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2021-12-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2021-12-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (KY)

After losing all income and COVID making it difficult to find work for 6 months! Vanderbilt mortgage did not offer any assistance. Struggling to make payments we managed to keep the payments paid and only fell behind 2 months of payments and a small portion of another. When calling to pay over {$800.00} once our jobs started and agreed that the account would be up to date by XXXX I received extremely rude service from not XXXX but XXXX people including a supervisor. Ive explained multiple times our situation and that we were doing everything possible to bring the account up to date. They harassed and humiliated me over {$30.00}. I have kept contact with them once a week and kept them updated of our situation our account is only behind XXXX payment now. There is no reason they should bring a client to tears over {$30.00} after seeing the notes of our situation and me being more than willing to work with them and be polite and understanding. The disrespect from this company outrages me.
Consumer complaint received 2021-12-28
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. (GA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2021-12-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PRESTIGE FINANCIAL SERVICES INC (GA)

I have been disputing an account with Prestige Financial, XXXX and XXXX for over 4 years now. I was a victim of Identity theft where I've provided a police and identity theft report several times. Everytime the account come back vertified and accurate, which is expect with me being a victim of identity theft. I have ask all companies to take extra steps to resolve this issue for me and i am doing the same to the point i want to hire an attorney and sue. I've called and spoke with Prestige rep by the name of XXXX XXXX where a document was provided with a signature that wasn't mines. I was also informed of the fraudulent activity on the actual account. So the account was open in my name and they used other people account numbers to pay the payment each month. As i explained to the rep if that wasn't enough red flags of fraud what more would be needed. I am making this complaint today with hope of you guys being able to help me get this issue resolved and delete and blocked from my credit report. I have exhausted all options and help this complaint is my last path before having to pay a lawyer to become involved.
Consumer complaint received 2022-12-19
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: Experian Information Solutions Inc. (CO)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 

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.
Consumer complaint received 2021-12-28
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. (OK)

I signed up for credit reporting through XXXX XXXX XXXX XXXX on or about XX/XX/XXXX. I moved from this community on or about XX/XX/XXXX. 

My opt-in for credit reporting was an effort to positively improve and re-build my score and/or eke my way to appearing more creditworthy before purchasing my future forever home as well as positively affect other chances for other opportunities that would be afforded me as creditors, employers, etc. weigh heavily on this. 

For sveral years I paid on this account on time and in full to build a positive credit history with my apartment community and opted-in for that very reason. 

I recently got a letter from Transunion that states they've absconded the " Satisfactory Account '' tradelines from my credit report. 

This was done without my consent, contest, inquiry, or knowledge. 

The tradelines postive nature would have afforded me a better chance of becoming a homeowner in spite of the XXXX XXXX and 1 repossession that I'm currently disputing for bad reporting not following the FCRA guidelines and truth in lending. It may not seemed much but it has made me appear in a more formidable, positive light to a number of other businesses that reference this to determine what kind of tenant or buyer I'd be. 

The Satisfactory Payments from this account was directly considered and the sole reason I was able to move out of the apartment community I'd been in since about XX/XX/XXXX into a home on XX/XX/XXXX by demonstrating to the XXXX I'd successfully pay timely rent because it shown on my my Transunion credit report from my move-in date to move-out date! 

I was told by Transunion call center XXXX that my address has not been updated to the current XXXX but Transunion mailed documents to my current address?! 

I was told there were some extraneous steps I'd have to take to have this rectified that would be considered undue hardship and time consuming and may take several weeks to resolve through snail mail correspondence if I had further disputes to address. 
Transunion mailed my documents to my current address but say they don't have it on file and added further hardship to an otherwise easily available solution that is afforded to similarly situated individuals as myself. 

I'm attaching the documents from Transunion as well as the letter stating they removed the tradelines from my credit report. I need them to be put back on my credit report and Transunion said that the reporting agent must follow some esoteric steps to restore it by contacting Transunion directly in order to put them back but Transunion had no right, cause, provocation, or reason to remove any positive information from my credit report at all nor did I authorize or question, at any time, my few " Satisfactory '' tradelines.
Consumer complaint received 2021-12-28
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. (MD)

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. My request for the correction and removal of the inaccurate information about my inquiries has not been given any attention by Equifax Credit Bureau. Sending them a Complaint last time and I have not received any response up to this date. Therefore, Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here are the concerned Inquiries that needs to remove : XXXX XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021
Consumer complaint received 2021-12-28
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: AES/PHEAA (MI)

Under 15 USC 1681 ( b ) - Permissible Purposes of consumer reports, ( a ) In General Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Fedloan reported information to my consumers credit report without my written consent. No consent is identity theft
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Bankruptcy XXXX,
Consumer complaint received 2021-12-28
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: Experian Information Solutions Inc. (MD)

On Monday XX/XX/2021 at XXXX ( EST ), I received two emails from XXXX XXXX XXXX  confirming opening of both a checking account and a savings account. Both accounts were opened fraudulently. XXXX XXXX XXXX  ( and XXXX - read below ) allowed both accounts to be opened even though I have identity theft flags on my credit reports which I updated through the CFPB consumer portal in XXXX ( 2021 ) as a result of XXXX allowing a checking account to be opened. I immediately called XXXX XXXX and was transferred to a rather combative CS Manager in XXXX XXXX XXXX fraud department who went so far as to say to me ( on a recorded call ) that " [ he ] didn't have time to stay on the phone '' when I began asking him questions about how the account was opened?, was it opened online or at a branch?, what proof of identity was provided to open the accounts?, how were the accounts opened when I have identity theft flags on my reports as a result of the XXXX breach ( and considering I updated the identity theft flags notifying all three credit bureaus that fraudulent accounts were opened )? He said I would receive a letter in the mail in XXXX days but claimed, contrary to FTC regulations , that XXXX XXXX would not provide me the information of how the accounts were opened, what identity information was used to open the accounts, what federally mandated ID was provided to open the accounts, etc... XXXX XXXX you will provide me with the information about how the accounts were opened. I ask the CS manager who 'approved " the accounts being opened and he specifically named XXXX ( again, this is a recorded call ), thus XXXX XXXX has twice now, first with XXXX and now XXXX XXXX XXXX, within a XXXX period, approved fraudulent accounts being opened, EVEN THOUGH ALL THREE OF MY CREDIT REPORTS ARE LOCKED and even though my credit reports have been flagged for identity theft since I received notification of the XXXX XXXX  breach... 

I spent nearly 1.5 hours at a XXXX branch, thus face-to-face and with the Branch Manager, being put through the hoops to open accounts because of the identity theft flags, YET XXXX has, twice , approved online accounts to be opened. 

I am adding XXXX and Experian to the complaint for notification purposes.