davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-01
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. (CA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-12-07
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: CL Holdings LLC (IN)

I have submitted four disputes in the last two month to XXXX Jefferson capital is a debt collector thats been on my credit report fraudulently. I have my discharge paperwork from the courts that show this matter is closed and due to a XXXX XXXX bankruptcy petition and closure.
Consumer complaint received 2021-10-01
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. (AZ)

Disputed a company XXXX reporting on my Transunion Credit Report XX/XX/2021, XXXX, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021. I have not received any documents proving that this account belongs to me.
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MORTGAGE CENTER, LC (MI)

XXXX continues to report the account as past due and the foreclosure sale happened in XX/XX/XXXX. The property sold at sheriff sale for {$230000.00} and the balance due to the lender Mortgage Center was {$160000.00}. I received the difference plus {$7500.00} from buyer for immediate access ( see attached ). In spite of repeated letter and emails to the Mortgage Center the account continues to report incorrectly on my XXXX credit report. XXXX does not report XXXX and XXXX stopped reporting activity in XX/XX/XXXX. 

Back Story My XXXX  year marriage ended in XX/XX/XXXX. In the divorce I received the marital property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. At that time the XXXX mortgage was with the Mortgage XXXX in the amount of {$170000.00} in my name alone and entirely my responsibility. 

Unfortunately there was also a second mortgage in my ex husband name only with XXXX  XXXX XXXX for around $ XXXX which he used for business. Although he was ordered by the court to continue to make payments on that second mortgage, in XX/XX/XXXX I learned that the second was in default and that he had completely stopped making payments. Because of fear of foreclosure and also becoming homeless with my XXXX children, I chose to protect my family and purchased another home in XX/XX/XXXX. When I moved I was able to find a tenant to lease the home for $ XXXX month for 12 months which allowed me to cover the mortgage, tax payments, and insurance. Once they moved out and the property taxes went up to non-homestead rates I could no longer afford to continue to make payments on the home. 

I was also unable to sell it because of the second lien which was my ex husband 's responsibility. I had no other option than to allow it to foreclose to settle my debt.
Consumer complaint received 2023-03-06
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)

Consider this as my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The accounts I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXXXXX .... Balance : {$1400.00} XXXX XXXX XXXX Balance : {$1600.00}
Consumer complaint received 2022-05-26
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On the morning of XX/XX/2022 my wife checked out account and found that a tellers check in the amount of {$2600.00} had been processed from our account along with an {$8.00} expediting fee. After filing the dispute with USAA, we found that there was a new document in our USAA app inbox that was a transcript of the call made to USAA authorizing this check. The pay to name was someone neither of us now, the address is for someone we do not know. I was unaware that usaa had an automated teller check line. After waiting 3 business days, nothing had been done to our case, after 5 days, still no update. I called again today on XX/XX/XXXX to find out the status, only to find that they found NO FRAUD, and they were unable to leave a voicemail advising us of this finding. We disputed the findings and currently waiting to hear back from them. XX/XX/XXXX will be business day 10. We have banked with USAA for 15 years and for them to literally give our money away and claim that it was our doing is disgusting and disrespectful. This has put us in a bit of a financial hardship and would like for them to right this wrong. The lack of communication on their part leads me to believe they truly do not care, or its an internal issue that they need to resolve.
Consumer complaint received 2021-10-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (TN)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 credit bureaus and found that this COMNWLTH FIN ( Original Creditor : XXXX XXXX XXXX XXXX ) was reporting to be negative on 3 Credit Bureaus. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2022-05-26
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. (GA)

XXXX XXXX " Late Payments '' - XXXX, XXXX, XX/XX/2021 XXXX XXXXXXXX XXXX " Late Payments '' - XX/XX/2021 These companies shared Improper information on my credit report which is a violation of 15 USC 1692d ( 1 ) - damaging my reputation in regards to my credit report. Remove items and report positively on my credit report. I did not consent, nor benefit from the following information being reported on my credit report. Please fall in line with the laws that are set for consumers. Thank you in advance.
Consumer complaint received 2019-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I received Fed Direct Loans when I was at XXXX XXXX University and at University of XXXX - XXXX XXXX. The Fed Direct Loans would be eligible for Public Service Loan Forgiveness Program, which I have been participating in for over 10 years, working for XXXX XXXX  and a XXXX XXXX. 
After graduation, Navient ( then Sallie Mae ) solicited me for loan consolidation. They actively solicited on campus, email, and direct mail marketing to me and other young recent graduates. They never advised, told, asked for permission, or gave me any information about re-categorizing my loan so as to make it in-eligible for Public Service Loan Forgiveness. I made over 10 years ' worth of on-time payments to my loans while working in public service. I submitted the annual check-in form to document my  employment status. Navient / Sallie Mae never advised, informed, asked for consent, or gave any other information that they were treating my loan consolidation as ineligible for the program. It was only after 10 years of payments that they tried to tell me that my loan is not an eligible type. I have my original loan document showing that all of my loans were Fed Direct Loans that should qualify. Navient / Sallie Mae changed the category of my loan without my knowledge, consent, or information, and therefore made my loans ineligible for the program. This is not right and an abuse of their position. Thank you. I am not the only borrower with this complaint. It appears to be a systematic practice of deception and misinformation by this company to abuse and take advantage of young college graduates.
Consumer complaint received 2022-05-26
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. (AL)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX # XXXX and XXXXXXXX XXXX XXXX XXXX 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2019-09-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A. (TX)

PNC bank put me in a fee generating account two years ago without my knowledge and has been charging me {$13.00} a month for the last two years. I believe it all started when I visited a branch and one of the tellers tried to up-sell me into an interest checking account. I told her that I wasn't interested because I don't keep enough of a balance to cover the minimum they were demanding. The teller must of done it anyways because I just noticed that I have been getting charged {$13.00} for nearly two years. I didn't realize they were charging me because I don't look at my statements often enough, because this is NOT my primary use account it's only a backup account for me. I immediately called them to complain after realizing this and they were accusing me of being negligent. I provided them statements showing that before the fees were bing applied, my account was a free checking account and I asked them to provide me the evidence that I chose to convert it to this new fee account. They refused to discuss the issue and told me to just close the account if I wasn't happy. I believe that the teller from my visit may have converted my account to meet a quota and never expected me to find out because I don't check the account often enough. All my attempts to reach their corporate office were met with them refusing to admit their mistake and greed attempt to capitalize from my account. I am left with only this option and I hope that it gets somewhere.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  Account Number XXXX XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX
Consumer complaint received 2021-12-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 2021-12-07
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. (GA)

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. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX  XXXX {$10000.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$0.00}
Consumer complaint received 2021-10-01
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. (IA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-10-01
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: CITIBANK, N.A. (FL)

On XX/XX/2021 CBNA XXXX Fl pulled my credit without my permission, on XX/XX/2021 XXXX XXXX XXXX XXXXXXXX Va pulled my credit without my permission, on XX/XX/2021 XXXX XXXX XXXXXXXX XXXX, SC pulled my credit without my permission and I want them to removed these off my credit report on XXXX Sincerely XXXX XXXX XXXX Fl
Consumer complaint received 2021-10-01
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. (WI)

I have filed a bankruptcy dispute multiple times each times with each credit bureau not one time has any of them been able to provide me how they verified the information. I have a letter from the courthouse saying they do not verify the information, I also have a letter from XXXX stating that that has been deleted from my account. After sending this information to them they are still saying the account is verified, but from who. All three credit bureaus also are reporting different information. It is an FCRA violation for all three credit bureaus to be reporting different information. They have different reference numbers, different dates filed and the court it was filed with.
Consumer complaint received 2021-10-01
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. (WI)

I have filed a bankruptcy dispute multiple times each times with each credit bureau not one time has any of them been able to provide me how they verified the information. I have a letter from the courthouse saying they do not verify the information, I also have a letter from XXXX stating that that has been deleted from my account. After sending this information to them they are still saying the account is verified, but from who. All three credit bureaus also are reporting different information. It is an FCRA violation for all three credit bureaus to be reporting different information. They have different reference numbers, different dates filed and the court it was filed with.
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

XXXX XXXX is reporting information to my credit file showing a closed account with an outstanding balance of {$3200.00}. They are also reporting incorrect monthly installment payments of {$400.00}. This is also incorrect. This account was paid in full in XXXX, therefore, XXXX should be reporting a XXXX balance. On XX/XX/XXXX. XXXX, I filed an online dispute with Equifax to report that the {$3200.00} balance reported to my credit file by XXXX XXXX was incorrect. On that same day I contacted XXXX and was told that my account was paid in full. Equifax completed their investigation on XX/XX/XXXX, but did not correct my credit file because, according to them, XXXX XXXX told them that their reporting was correct. I contacted XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX and was each time was told that my account was paid in full and showed no balance owed. 

I am hereby filing a complaint against both XXXX XXXX and Equifax because their reporting errors are negatively affecting my ability to obtain credit due to being over obligated.
Consumer complaint received 2021-10-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (WA)

My wife and I paid-off a residential loan with Fifth Third Bank and I have requested a copy of the reconveyance but they said they won't provide one. They refused and said they will only provide an unrecorded letter. If they don't record a reconveyance the loan will remain on my credit report. I will attach their letter and my notes with bank employees.
Consumer complaint received 2021-10-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

I have reached out several times to my mortgage servicer ( Loan care ) to review and place me in the COVID-19 Advance Loan Modification as opposed to the partial claim that I have been stuck with, which is still a struggle.

This program that I speak of is as follows ... The COVID-19 ALM will be offered to borrowers currently 90 or more days delinquent or at the end of their COVID-19 Forbearance. This new home retention option is for those homeowners whom a 30-year rate and term mortgage modification will bring the mortgage current and will reduce the Principal and Interest portion of their monthly mortgage payment by at least 25 percent. 

I began sending emails requesting this help before my forbearance fully came to an end and before my first re-instated payment was due but they are refusing to offer this option to me. I sent emails starting XX/XX/2021, then several more after that PLUS phone calls but again, I was not offered this programm
Consumer complaint received 2019-07-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (TX)

They call me several times a day at least 4-5 times a day everyday. 

I have received 7 calls from them and it is only Wednesday. 

I have received a call atXXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX ( XXXX XXXX ) XXXX XXXX
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX  XX/XX/2015 {$540.00}, XXXX XXXX XXXX XXXX {$18000.00}, XXXX  XXXX XXXX XXXX {$320.00}, XXXX XXXX  XXXX XXXX accounts Listed in this statement are accounts I just recently reviewed on my credit report. I have contacted the creditors for each account and I have filed an ftc report and nothing have been removed. I have never used or applied for any of these accounts. I am askking if these items please be removed from my credit report.
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

XXXX XXXXXXXX XXXX  XX/XX/2015 {$540.00}, XXXX XXXX XXXX XXXX {$18000.00}, XXXX XXXX XXXX XXXX {$320.00}, XXXX XXXX XXXX XXXX accounts Listed in this statement are accounts I just recently reviewed on my credit report. I have contacted the creditors for each account and I have filed an ftc report and nothing have been removed. I have never used or applied for any of these accounts. I am askking if these items please be removed from my credit report.