davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-02
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: Grant & Weber (GA)

I had a problem with identity theft first off. I never took out all the loans amounts that shows up on my credit report. I ask for the credit company to verify the amounts dates and loan amounts are correct on my credit report. I know I am a victim of fraud. But I am XXXX can't get them the information they need because I am XXXX. Basically I can't run around town to fax 's or mail paperwork. They are not doing there job to protect customer for information they don't verify debts or times even when they asked to do is. I think it all a scam to get money out people with false reporting. Even after I let them know I am a victim of identity theft
Consumer complaint received 2021-08-30
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: National Credit Systems,Inc. (TX)

On XX/XX/2021 a letter was sent to XXXX  asking them to verify the account National Credit systems XXXX XXXX XXXX. On the same date I also requested for the investigation done to determine the account is mines be sent to me as well in which the Creditor has not done so still to this day. XXXX  is the only credit reporting agency who continues to report this creditor although they have violated my rights covered under FCRA laws. With each dispute I have sent they keep changing information that theyre reporting. XXXX  has a copy of my Identity theft report, my police report for identity theft, and my complaint with the office of the Attorney General as well, yet they are still reporting inaccurate information.
Consumer complaint received 2021-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I C SYSTEM Has been sending me collection notice in the amount of {$300.00} the collection has been reported past due. I do not know this company. I have never done any business with this company. This company do not have a contract with my signature.
Consumer complaint received 2021-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I mailed off a dispute letter over a month ago. The credit bureau has not responded nor corrected my problem. They are responding inaccurate personal information.
Consumer complaint received 2021-08-30
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. (TX)

I submitted a dispute letter to XXXX, XXXX, and Equifax regarding fraudulent information on my credit report. I mailed these documents by certified mail ( Tracking ID : XXXX ) and it shows XXXX  received my letter on XX/XX/2021 at XXXX XXXX. Equifax received my letter on XX/XX/2021 at XXXX XXXX  ( Tracking ID : XXXX ) and XXXX  received it on XX/XX/2021 at XXXX XXXX  ( Tracking ID : XXXX ) It has been almost 60 days, and these fraudulent items remain on my report. I have experienced much mental distress as a result of their continuous false reporting on my profile. I have been denied employment, housing, auto, and several other opportunities as a result of their neglect in conducting a proper investigation into my dispute.
Consumer complaint received 2021-08-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I XXXX XXXX the Consumer and Natural Person is the Original creditor, Pursuant to 15 usc 1692 a ( 4 ). No corporation can validate a debt. Also debt means any obligation or alleged obligation, Pursuant to 15 usc 1692 a ( 5 ). I am sending a copy of the letters being sent to my place of abode. This company harasses me with debt collection letters on the regular. I have several stacks they keep sending to me claiming that I owe them something. Pursuant to 15 usc 1692b ( 2 ) they can not say that a consumer owes a debt. I have tried resolving this with them directly but they keep saying this is validated. That is not a true statement because I XXXX XXXX the original creditor, consumer and natural person can only validate this alleged debt which I am NOT validating. Furthermore I will be filing a complaint with the XXXX  and attorney general. I do plan on contacting the media as well and release the information about my rights being violated as a consumer and natural person. Per Congress I have rights and your organization has violated them.
Consumer complaint received 2021-08-30
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 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 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been getting denied credit from many sources due to inaccurate accounts. Accounts being duplicated on credit reports and sold off to creditors with no bonding insurance to collect remaining balances using harrassing tactics. I have had balances reported differently on all reports. Dates opened different on all reports, accounts being illigally reaged. All just to dispute but credit agencies have been reporting verified. That is against the laws and have hurt my credit and affected myself in many ways.
Consumer complaint received 2021-01-01
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. (MI)

I filed a complaint with CFPB ( Case # XXXX and XXXX ) and received a response from XXXX ( XXXX ) via CFPB on XXXX.Because i disagreed with erroneous response, I decided to call them ( XXXX ) on XX/XX/XXXX at XXXX XXXX and spoke with XXXX.I explained to XXXX that i wasnt allowed to opt out on new terms when XXXX transferred over to XXXX XXXX XXXX card, and according to CFPB on new terms, i have the right to opt out.XXXX  said we sent all paperwork on new terms via email, since i opted out of mail sent to home.While i was on the phone, I told her let me look up my past emails on my computer as we where talking on the phone.After looking for emails, I stated to XXXX, I looked back to XXXX and there is no emails with new terms or anything regarding the new XXXX XXXX XXXX card.I also stated to XXXX, all i see is is XXXX XXXX XXXX  adds.Then XXXX said XXXX ok, we sent the new terms and all paper work with new XXXX XXXX XXXX card.I told XXXX, i did not receive any paperwork with the new card and all i received was the new card.XXXX then said you activated the card! .I told XXXX, I never activated the XXXX  XXXX XXXX card cause i didnt want the credit card.I told XXXX to check her records.Then XXXX said, my card was closed for innactivity.I told XXXX, that all complaint responses from XXXX, XXXX , XXXX  XXXX transunion does not say anything about inactivity.Then XXXX said " we can close your account for any reason at anytime '' .I told XXXX, your back XXXX cause my account was closed for erroneous reasons.XXXX  said, CFPB does not control XXXX XXXX buisness practices and CFPB is wrong if they say I have the right to opt out if there are new terms.Then XXXX said your card was inactive for 25 months and we reduced your credit when you had XXXX for that reason without me knowing.I told XXXX, something stinks , something is wrong and what XXXX is doing is very wrong.XXXX  stated, we cant help you and parted ways on the phone.Therefore, XXXX closed my account without me knowing during the corona virus pandemic and didnt give me the option to opt out/in on new terms.CFPB states I have the right to opt out/in on new terms.XXXX buisness decision as stated in there response letter, says I dont have a opt out option is violating credit laws and is wrong.And XXXX at XXXX is feeding me a bunch of false information.Because of there actions, this account is closed and this dropped my credit score.
Consumer complaint received 2021-08-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I went into a Covid forebaerance and I was granted 3 months this started in XX/XX/2020. When the plan was up the but the small amount onto the back end of the loan and advised me to start making my new payments. My loan adjusted and the payments went up over 4,000 per month. I was told to submit a modification package to see if they could help lower the payment. I requested the modification and sent in all the papers. The first time I submitted they came back saying that the mortgage was ineligible because the current unpaid principal balance on my loan was higher than the program limit. I did a appeal asking why you had me submit a modification and wait over 50 days to hear this answer. I received the appeal response and was told try again in 30 days. We submitted again and then got another response stating that based on the delinquency of the account they could not modify my loan. They knew the delinquency yet still put us thru another review. We were called several times and told to resubmit again we also received letters asking up to resubmit our Mod. We did this several more time at the request of SPS. Each time would drag out the process 30 or more days. I sent a letter to SPS request Why I was not given the right answers and also why they kept asking me and sending me packages to submit for a Mod but they would not respond. Under each plan that would be offered I was turned down for with only a short line response. I requested the full investor guidelines for my review and I requested the proof that the investor had turned down my requests. They also did not do the correct income figures which was 4000 less than my true income. I want all phone records as that way I can prove how many times they asked me to submit a Modification request. I was given the run around for months. SPS would come back and request More and More documents.
Consumer complaint received 2021-01-01
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: AMERICAN EXPRESS COMPANY (IL)

I've noticed that some accounts have been reported to my credit that doesn't belong to me and I've been trying to work with the credit bureau since XX/XX/2020. My name is a common name and they were reporting a person with similar name and they were able to help me to correct most of them and removed from my credit, but AMERICAN EXPRESS, they insist that those two accounts are mine ( both accounts are closed but one has a balance of {$12000.00}. I called American Express to try to find the account providing my social security and they weren't able to find any account under my social, and now they are sending me to a collection and this is affecting my credit. 
I have been told them that my name is different that the name that they are sending the letters, also the addresses that appear on my credit are from another State that I have never lived there. American Express send a letter on XX/XX/2020 telling that they've verified the accounts an that I was making payments from XXXX  XXXX XXXX and XXXX XXXX accounts which is also incorrect. I don't have any account with any of these institutions. These two accounts belongs to somebody that have similar name and as you can see on the attached letters the name is not my correct name. I will ask you make a deep investigation in this issue as I've been trying to fix it since XXXX and this is affecting my credit score, some companies are reducing my limit and I can't open new accounts. This information is been reported to the three bureaus. 
Credit card companies must have different forms of ID 's on their file to prove that the information is correct. I can proof that I have never have any American Express in my life and I won't open one in the future.
Consumer complaint received 2021-01-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

My name is XXXX XXXX I am writing to delete the following information off my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed enclosed copies of the Commissions Identity Theft Affidavit. Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.
Consumer complaint received 2021-08-30
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Carvana Group, LLC (CA)

I Consumer XXXX XXXX entered into a consumer credit transaction with CARVANA, LLC on XX/XX/2021. A consumer transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer transaction. The finance charge does not include cash, but Carvana, LLC took cash. The Finance charge is suppose to include insurance, but Carvana, LLC made me purchase insurance separately and I am currently making monthly payments to cover any future damages to the vehicle which should have been covered. Carvana, LLC also violated the Securities of United States by altering the contract by taking security interest in proceeds and insurance policy by form of alteration. 

XXXX XXXX XXXX, c/o Carvana, LLC is civilly and criminally liable.
Consumer complaint received 2021-01-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Lincoln Educational Services Corporation (NJ)

I have been making payments through out the entire pandemic. I am a single mom, working very hard to keep my child and I afloat in this difficult time. I missed two payments, because they are too high and the company refuses to unserstand/work with me. Lincoln Tech has been harassing me over the two missed payments, calling my JOB! as well as threatening me. Not only this but when I check my credit report it states that this account has been " charged off '' as bad debt and profit and loss write off. Meanwhile, I have been making payments the entire time. This is terrible and they need to be put in their place.
Consumer complaint received 2022-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been a bump into going over this and I am submitting this complaint OVER AND OVER AGAIN to remove the fraudulent account in my file that are reporting on Transunion Credit Bureau. This is so unbelievable! How can you guys let these multiple complaints pass? I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I need Transunion to be held accountable & have the account blocked/removed : XXXX XXXX XXXX
Consumer complaint received 2021-08-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

I had a mortgage with Freedom Mortgage, account # XXXX. On XX/XX/2021 the loan was paid off by my new mortgage company and there is an escrow balance of {$4500.00} due to me. They claim they have mailed it to me but no check has been received. If they have a check issued I want them to put a stop payment on it and issue a new check. Their latest communication is they will do research and will report on their research XX/XX/2021. 

Please help me get my money. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2021-01-01
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. (MI)

I filed a complaint with CFPB ( Case # XXXX and XXXX ) and received a response from XXXX XXXX XXXX XXXX via CFPB on XXXXBecause i disagreed with erroneous response, I decided to call them ( XXXX ) on XX/XX/XXXX at XXXX XX/XX/XXXX and spoke with XXXX.I explained to XXXX that i wasnt allowed to opt out on new terms when XXXX transferred over to shop your way card, and according to CFPB on new terms, i have the right to opt out.XX/XX/XXXX said we sent all paperwork on new terms via email, since i opted out of mail sent to home.While i was on the phone, I told her let me look up my past emails on my computer as we where talking on the phone.After looking for emails, I stated to XXXX, I looked back to XXXX and there is no emails with new terms or anything regarding the new shop your way card.I also stated to XXXX, all i see is is shop your way adds.Then XXXX said XXXX ok, we sent the new terms and all paper work with new shop your way card.I told XXXX, i did not receive any paperwork with the new card and all i received was the new cardXXXX then said you activated the card! .I told XXXX, I never activated the shop your way card cause i didnt want the credit card.I told XXXX to check her records.Then XXXX said, my card was closed for innactivity.I told XXXX, that all complaint responses from XXXX, experian XXXXXX/XX/XXXX does not say anything about inactivity.Then XXXX said " we can close your account for any reason at anytime '' .I told XXXX, your back pedaling cause my account was closed for erroneous reasons.XXXX  said, CFPB does not control XXXX XX/XX/XXXX buisness practices and CFPB is wrong if they say I have the right to opt out if there are new terms.Then XXXX said your card was inactive for 25 months and we reduced your credit when you had XXXX for that reason without me knowing.I told XXXX, something stinks XXXX something is wrong and what XXXX is doing is very wrong.XX/XX/XXXX stated, we cant help you and parted ways on the phone.Therefore, XXXX closed my account without me knowing during the corona virus pandemic and didnt give me the option to opt out/in on new terms.CFPB states I have the right to opt out/in on new terms.XXXX buisness decision as stated in there response letter, says I dont have a opt out option is violating credit laws and is wrong.And XXXX at XXXX is feeding me a bunch of false information.Because of there actions, this account is closed and this dropped my credit score.
Consumer complaint received 2021-08-30
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)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and 15 US Code 1692e ( 2 ) ( a ) and ( b ), the latter was truth and lending act. They are reporting a collection as an Open account that is not under FCRA Compliance. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2021-01-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (CO)

I prequalified for a loan with XXXX XXXX XXXX, XXXX CO in XXXX 2020. 
I went under contract for a new construction home in XXXX 2020. 
I was paid for appraisal on XX/XX/XXXX ( after my Realtor reminded broker to order the appraisal ). 
I was scheduled to close XXXX. 
There were builder delays in closing pushing it to XX/XX/XXXX and then XX/XX/XXXX. Certificate of occupancy was issued XX/XX/XXXX. 
On XX/XX/XXXX, the broker did not have the appraisal to do disclosure notices to close. 
The appraisal was obtained XX/XX/XXXX but was the wrong property. An update was issued XX/XX/XXXX for the correct propety. Disclosures were issued XX/XX/XXXX and closure was scheduled for XX/XX/XXXX. Lender ( Lakeview Loan, XXXX XXXX, FL ) did not prepare closing documents. 
Closing rescheduled for XX/XX/XXXX and XX/XX/XXXX - still no closing documents. 
I have suffered losses due to delays, lost annual leave scheduled for move that hasn't happened, having to " restock '' my household goods in temporary storage, having to stay with friends, etc. I'm also in CO with the super covid bug now in outbreak. This is dangerous and I still have not closed on my home. 
I am still awaiting closing with no hope of it happening.