davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am a victim of identity theft. I submitted dispute letters to XXXX, XXXX, and Transunion notifying them of the accounts that did not belong to me on XXXX I have yet to recieve a response or credit report. The bureaus are in violation of my consumer rights. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). The disputed items are entirely inaccurate and incomplete, and represents a very serious error in reporting. I request that the misleading information is deleted and a corrected credit profile is supplied to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, I request that the bureaus please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law the bureaus had thirty ( 30 ) days to complete their re-investigation, yet they have failed to respond. Flexibility was given and I allowed 60 days. Do not delay any further. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely yours
Consumer complaint received 2022-11-09
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: Exeter Finance, LLC. (GA)

My information was stolen fraud was committed credit cards was opened cars was leased {$5000.00} Exeter finance {$1000.00} XXXX XXXX XXXX  {$630.00} XXXX XXXXXXXX {$470.00} XXXX XXXX XXXXXXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$4700.00} XXXXXXXX XXXX  {$580.00} XXXX XXXX {$4300.00} XXXX XXXX XXXX
Consumer complaint received 2022-08-17
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. (LA)

n accordance with the Fair Credit Reporting act XXXX  Account # 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
Consumer complaint received 2020-10-01
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. (NJ)

I disputed these accounts on my experian account several times and they just keep coming back verified or meeting the requirements of the fcra which seems like a automated response being that no investigation took place. When I request for proof of verification they never send me none, also they are the only bureau still reporting this inaccurate information about me. For instance theres a collection in my account right now from convergent outsourcing, no proof or documentation that I actually owe this debt has been sent no proof of signed documents saying that I owe this debt and yet it still remains on my report, then when you try to call and speak with someone its hard to reach someone, then when you finally do they hang up in your face, theyre very rude, no helpful at all. Also I pay for the membership and its saying for my other bureaus the accounts are gone once I provide card information to on then I go to annual credit report and the accounts are still there. They need to fix this error because its very misleading.
Consumer complaint received 2020-10-01
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: Complete Credit Solutions, Inc. (IL)

COM CREDIT SOLUTIONS HAS ENTERED A COLLECTION AS OF XX/XX/19, ON BEHALF OF XXXX XXXX IN THE AMOUNT OF {$1700.00}. 

THIS DEBT IS NOT MINE. IT IS FRAUDULENT. I AM NOT ABLE TO VALIDATE THIS DEBT. I WOULD LIKE IT TO BE REMOVED FROM MY CREDIT REPORTS ASAP.
Consumer complaint received 2020-10-01
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. (TN)

I am a victim of identity theft. I submitted dispute letters to XXXX, Experian, and XXXX  notifying them of the accounts that did not belong to me 60 days ago on XXXX I have yet to recieve a response or credit report. The bureaus are in violation of my consumer rights. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). The disputed items are entirely inaccurate and incomplete, and represents a very serious error in reporting. I request that the misleading information is deleted and a corrected credit profile is supplied to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, I request that the bureaus please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law the bureaus had thirty ( 30 ) days to complete your re-investigation, yet they have failed to respond. Flexibility was given and I allowed 60 days. Do not delay any further. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely yours
Consumer complaint received 2022-11-09
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2020-10-01
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. (TN)

I am a victim of identity theft. I submitted dispute letters to Equifax, XXXX, and XXXX  notifying them of the accounts that did not belong to me 60 days ago on XXXX I have yet to recieve a response or credit report. The bureaus are in violation of my consumer rights. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et  seq. ). The disputed items are entirely inaccurate and incomplete, and represents a very serious error in reporting. I request that the misleading information is deleted and a corrected credit profile is supplied to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, I request that the bureaus please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law the bureaus had thirty ( 30 ) days to complete your re-investigation, yet they have failed to respond. Flexibility was given and I allowed 60 days. Do not delay any further. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely yours
Consumer complaint received 2022-11-09
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: RentDebt Automated Collections, LLC (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2020-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OH)

My mortgage servicer ( SHELLPOINT MORTGAGE ) since the inception of the cares act has been putting my mortgage in forbearance and upon my request has deferred the forbearance to the end of my mortgage until recently they are now telling me I'm no longer eligible for a deferment and are looking to make payment arrangements with me while I'm still in XXXX   due to covid. 

It is to my knowledge according to the Cares Act that I can request a deferment for the first 180 days and if need be can request another 180 days if still in hardship with no questions asked of my current financial situation due to covid. 

I have not been able to speak with my representative XXXX XXXX of Shellpoint Mortgage. He claims he has called me but never leaves a message regarding contacting me. He did email me saying he called me and I emailed him back and have not received a response to my question about defering my mortgage and how I understand that I have 360 days where I can defer my mortgage and other representatives I am getting on the phone are telling me I'm ineligible for deferment? 

Also I have concerns about my escrow as to who should be paying my taxes and home owners insurance? I understand that the servicer ( BANK or SHELLPOINT should also be paying that as well???
Consumer complaint received 2020-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XX/XX/2020 I filed for a XXXX XXXX  in XXXX of 2020, I was finally granted a loan on XX/XX/2020. I was in the process of applying for a another Capital One account for my business when I was given the loan. I am a sole proprietor that did not know I had to have separate business account. I had the deposit sent to my Capital One checking account while I waited for my response. I used XXXX. XXXX of the money for business debt. I was shocked to see the account had been frozen. I called into Capital One where a very rude and disrespectful when inquiring about my account. I was given one of many case numbers and told to wait for an email or letter in the mail. That took place 2 months ago with no call, emails, or letters. In fact I have nothing from them. I have called daily only to be put on hold for several hours. When someone finally picks up, your immediately sent to voice mail. I have left over 25 voice mails with my name and contact information and no return calls have been made. 
I am a small business owner that has taken my own pay role out because we are financially drained. We are out of mone, we have used our savings, XXXX k and taken from a college fund to keep out business afloat but we have run out of options. We are gong to have to force a closure if something isnt done. I sent in my Ein paperwork and business registration to fraud immediately. I contacted the XXXX and was sent a generic form that I disputed and got a closed file with no outcome. I was told the money would be possibly be sent back to XXXX but now the turn around for that to be resent is 2-4 months because of this confusion. Clearly there has been some type situation with all of these XXXX XXXX  because no one is being funded or banks are returning deposits. I understand there has been fraud also, but I am NOT a new customer, I have had two credit accounts with Capital One for over 3 years. When my accounts were frozen both of my accounts were closed immediately without any reason. The bank has every right to investigate Complaint Summary Please describe your complaint in detail Page 2 of 3 Have you complained to the business or individual? If Yes, when? 
What was the business ' or the individual 's response? 
Did you sign a contract? 
How much did the company/individual originally ask you to pay? 
How much did you actually pay? Method of Payment Date of Payment Have you contacted another agency or attorney about this complaint? 
If yes, please list name and address of the agency or attorney? 
What action was taken by this agency or attorney? 
each deposit but holding a loan for 2 months is ridiculous. I am being charged interest each day on a loan I can not access but are financially responsible for also. I am going to to lose my home, car and business because of Capital One 360 bank. Can someone please look into this matter before I have no other options. Thank you so much for any help or guidance you can give me. 
Yours truly, XXXX XXXX
Consumer complaint received 2022-11-09
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Guild Holdings Company (WA)

i became unemployed as a result of covid 19 and wqs unable to keep up with my mortgage payments. my mortgage company offered me a forbearance period telling me that with my va loan there was a every reason being 100 % service connected XXXX veteran i would be able to recieve a grant when covid no longer affected my ability to pay.ie i was employed and my hardship was over. i finally am starting a new job at at the first of XX/XX/2022 so i advised my mortgage company of this. they informed this program for us vets in need had exausted their funds and i will have to pay a higher monthly payment as well as at a signifigantly higher intreast rate for the life of my loan. not only does this place my monthly payment out of possibility for me as i have accured other financial difficulties during my 3 bouts with the covid virus as well as delays in my employment with the company that has hired me but will cost me XXXX  of XXXX  of dollars over the life of my loan. i don't fear much of anything and am way less afarqaid of death than i am loosing my home and will not survive being homeless. what happend to the promise i was given by my mortgage company telling me the federal government would take care of us vets and had a program in place that allowed me to keep my 4.10 % intreast loan and help with the financial hardship i have turn my world upside down? is there anything that can be done.
Consumer complaint received 2020-10-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (OK)

I took a loan with one main financial a couple years ago and 1 condition of getting the loan was being required to purchase an insurance policy to pay the loan in the event of loosing income. In XX/XX/2020 I was affected by covid and lost my income of over XXXX dollars a year. I imidiantly went to one main and filed a claim which was rejected three times before being excepted. ( I HAD TO.KEEP MAKING PAYMENTS DURING THIS PROCESS ) They paid three months only and quickly began billing me again I paid every month even without having a job. Now I am back at work making XXXX a year and still having difficulty making my bills. I have a payment due for XXXX and have been receiving 5+ calls a day numerous texts. Emails and voicemails regarding this payment which should not be based on my original contract. Terms did not state monthly recertification or limited payment but clearly stated loan payoff if loss of income. At this point I am iritated to say the least as I was forced to purchase this insurance and it is not being used.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (IL)

Per the FCRA as a federally protected consumer. I am now opting out of any and all authorizations, I the consumer may have given you written, unwritten, verbal and non-verbal permission 15 USC 6802.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

SOMEBODY HAS GOT TO DO SOMETHING ABOUT THESE XXXX CREDIT AGENCIES!!!!!!!!! 

My wife and I are moving for work, to help the XXXX economy, but of course, because we can't have our credit out there, at risk, with the XXXX credit agencies being careless with our information, we keep it frozen. 

Today we needed to lift those freezes -- two people at 3 agencies -- to work on preapproval for financing for a new home. We are SUPPOSED to be able to do this instantaneously online. We are SUPPOSED to be able to self-serve. 

So imagine our shock to consult the little spreadsheet with all the usernames and passwords we only look at on occasions such as this, just to find that : XXXX ) In the time since we last logged in ( maybe 2019, when we bought vehicles? ), not only have ALL THREE of these pigfucking scumbag criminal outfits changed the names of the XXXX products they hide their LEGALLY XXXX MANDATED service behind so they're more difficult to find, but after we found the right pages : XXXX ) At least TWO of them ( XXXX and Experian ) have either changed or deleted our login information. We now don't have accounts? But also can't start new accounts with OUR OWN XXXX EMAIL ADDRESSES -- because they've been taken by other account holders? THOSE ACCOUNT HOLDERS ARE US!!! THOSE ARE OLD ACCOUNTS!!!!! NOBODY ELSE HAS OUR XXXX XXXX EMAIL ADDRESSES!!! WE are the other account holders. THIS IS XXXX RIDICULOUS!!!!! WHAT THE XXXX ARE WE SUPPOSED TO DO ABOUT THIS!!! 

I called the XXXX at XXXX to express my displeasure. The subliterates have an even more imbecilic automated system that I can only believe willfully offers you incorrect answers to keep you from ever connecting to any of the morons who work for them. After I was disconnected twice by this system, I was finally sent a link by SMS to supposedly talk to a person, whereupon I was disconnected, and I also found that the link didn't lead anywhere except a XXXX page. 

Meanwhile, as we try to get back into our XXXX accounts, we have been told.. .for hours now.. .that " service is temporarily unavailable. '' This is beyond ridiculous. It is also illegal. We are entitled to legal recourse to manage how these XXXX criminals manage OUR identifying information, and these degenerates are flauting the law and complying with neither the letter nor the spirit of the FCRA ( as. XXXX. USUAL!! ). Their systems have to be up and working. I am entitled to get a person to fix my account if THEY XXXX it up. This is the bare minimum I should be able to expect of them. 

These idiots are clearly going out of their way to impede the ability of customers to force them to perform the one useful XXXX function they supposedly exist for. YOU will have to do something about them.
Consumer complaint received 2023-02-09
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. (NC)

Recently I went on to a couple car sites and used their prequalified method to see if a Vehicle I like what my rates would be. Long story short these people have shopped my report to Multiple places and now people are calling me to purchase a car. This is violation or my credit report and personal information being shopped to vendors without my consent nor knowledge. Please delete the state inquiries below, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I never authorized any of these credit inquiries on my report.
Consumer complaint received 2020-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NJ)

This company is reporting on one of my credit reports that I owe a collection with XXXX, I never had an account with XXXX  before they have not provided me with any verification that this account is indeed mine. They are currently affecting my credit report with this debt that have failed to provide proof that I actually owed, no signed contracts, no paper work with my information on it.
Consumer complaint received 2022-11-09
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc. (GA)

I was notified by XXXX of action on my account for a Nelnet loan disbursed to a recipient in XXXXXXXX XXXX dispersed on XX/XX/XXXX of XXXX for {$3100.00}. I contacted the company, the school XXXX XXXX XXXX XXXX XXXX. I filed a police report with XXXX XXXXXXXX XXXX  XXXX XXXX XXXX and contacted XXXX as well. In addition to this incident, I have been indentated with identity theft and fraud and scammed since XXXX. I have submitted FBI tips and I have also submitted XXXX XXXX tips. Including XXXX XXXX  XXXX XXXX, XXXX, XXXX, XXXX, XXXX, employers email addresses and employers email, employers XXXX account used for creating account access using my name and identity. Phishing emails and messages and texts and DVR eavesdropping and cellphone hacks. XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX cyberattacking and all kinds of calls from different places. Also my taxes were filed in an attempt to set a payment for the XXXX offset by the XXXX returns and my taxes were not processed. I went to a tax service in XXXX XXXX and they wanted to charge me more than the tax return itself and more the amount for the entire thing. Very odd.
Consumer complaint received 2022-11-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AUTOMOTIVE CREDIT CORPORATION (IL)

Today XX/XX/XXXX my truck was repod only being couple months behind and down-payment was XXXX when I got truck then they charged me for insurance on laon when I have full coverage insurance always