davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-23
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. (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. Transunion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed 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. Below are the lists of the erroneous inquiries reporting on my Credit Report : ( XXXX XXXX Inquiry Date XX/XX/2020, XXXX Inquiry XXXX XX/XX/2020, XXXX XXXX XXXX Inquiry Date XX/XX/2020, XXXX XXXX Inquiry Date XX/XX/2020XXXX XXXX XXXX Inquiry Date XX/XX/2020, XXXX XXXX Inquiry Date XX/XX/2020, XXXX XXXX XXXX XXXX XXXX XX/XX/2020, XXXX XXXX Inquiry Date XX/XX/2020, XXXX Inquiry XXXX XX/XX/2020, XXXX XXXX Inquiry Date XX/XX/2020, XXXX Inquiry XXXX XX/XX/2020, XXXX XXXX Inquiry XXXX XX/XX/2020, XXXX A XXXX D ate XX/XX/2020 )
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (NC)

My identity was stolen on or about XXXX of this year. 
I took ALL steps in order to try and put a stop to whomever it was that hacked my computer copies all my cards/bank accounts/savings etc and yet when I am checking my report on on three credit bureau 's there are numerous, I repeat numerous errors not reflecting the corrections made after I spent months trying to fix my credit. I went from having a near perfect XXXX XXXX now down to fair/poor. 

I had to file multiple complaints with the FDIC regarding XXXX XXXX ( also not reflecting on my credit reports ( all three ) Many of my CC reduced my available credit b/c of the identity theft and yet it has not been reported. 

This has nearly ruined my life. I have always been extremely responsible making sure I have autopay set up so I never miss any payments and yet again, this is not reflected on my credit reports. I have asked each and every one of my credit cards and my bank to alert all the credit bureaus ' about the errors and was assured they would do so but after reviewing all 3 of my reports I see that is not the case.
Consumer complaint received 2021-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (GA)

I made a ( 2 ) transfer on XX/XX/21, a total of {$7500.00}, to another Member of the Navy Federal Credit Union. It was later realized this individual is a scam/fraud. This individual did not render service and has been avoiding me. I have called Navy Federal several times to submit a dispute, but they have denied me. They have stated that this is not considered an ACH or credit card transaction and that it is considered " Cash to Cash ''. Navy Federal stated that since it is Cash to Cash, they can not do anything for me. I have informed Navy Federal I have proof of the fraudulent activity and the Member 's failure to render the service, they still denied me. I have asked Navy Federal several times if they can provide in WRITING the disclosure that states I waive my rights to any recourse of fraud and scams when performing a Cash to a Cash transaction, they have yet to provide it. Every time I call, they state they are waiting for the " back office '' to reply with the information. They have yet to provide an explanation for why they can not investigate this transaction as they do any other transaction. They have yet to provide any disclosures or literature that informs consumers that transactions between Members are considered " Cash '' transactions.
Consumer complaint received 2019-07-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (OR)

In XXXX l purchase property price was XXXX and I'm refinance in XXXX property mortgage XXXX XXXX XXXX home equity assets trust  9.25 % with baloon payment former ocwen loan services  Second mortgage Adjustalble Rate Rider baloon rider XXXX XXXX XXXX XXXX pass through to XXXX XXXX XXXX pay off is In XXXX forclose start and property is scheduled for scherff action erly next week Property has 2 city lot 7000 sf and 600 sf and only 1 lot was recorded and scheduled for auction 7000sf
Consumer complaint received 2022-12-03
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FC HoldCo LLC (GA)

Consumer have been in dispute with FLAGSHIP regarding a debt that arised from a consumer credit transaction. Consumer requested documentary evidence from FLAGSHIP in which they have failed to provide. Since FLAGSHIP can not provide consumer with sufficient documentation to validate, FLAGSHIP are to cease collection activity per the Federal Law. On XX/XX/2022 Consumer sent FLAGSHIP An Affidavit Of Fact. FLAGSHIP has failed to rebut the affidavit of fact therefore this affidavit stands true.
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please be inform I have never been late on my XXXX credit since established. There is an incorrect late payment reported from XXXX to XXXX. This account have never been late and the current balance is also zero.
Consumer complaint received 2019-11-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP (NC)

Ever since Friday l have been trying to tell Honda financial  to please allow me to pay the past due balance in order to have my vehicle back and continue with payments but the refuse to make any kind of deal with me l spoke with the only representative name lore and she hung up the phone 3 times at me all they want me to do is to pay off the full amount remaining in my account but they wont explain me why do l have to pay all that amount if my interest rate is for 0.90 percent annually for that amount off XXXX what it means that the correct amount is XXXX annually of interest rates my car was reposed because l miss two payments l was trying to explain why l missed those payments but they dont want to help me and l was trying to tell them that according to the contract l have the right to pay the past due balance and the fees and get my car back but they refuse to do that l also spoke with the supervisor name XXXX and he also was very ruled and he refused to help me at any way possible this is my second car with XXXX and l never had any problems before until right now with this Honda financials and is not right that l have to lost my car just because they dont want to do what they have to do and that is to allow me to make the payment off past due balance and get back on payments is been so many days and is going to be very Spence to get my car out from repo place all because they refuse to fallow the contract and keep my rights l really hope that l finally get some help true this complaint because l really need to get some one to hear me at ones
Consumer complaint received 2021-12-23
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: Mercedes Benz Financial Services (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on MERCEDES BENZ FINANCIAL. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

( MERCEDES BENZ FINANCIA XXXX )
Consumer complaint received 2021-12-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KINGS CREDIT SERVICES (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. KING CRE SRV account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done an attempt 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. 

( KING CRE SRV XXXX )
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

To whom it may concern, I recently pulled my reports and noticed you are reporting 2 different accounts on my XXXX, Experian and XXXX for this account ( Dept of XXXX ). Because the account being reported by XXXX, XXXX and Experian are different, this means the account has not been properly verified. 

XXXX Acct : XXXX Experian and XXXX : XXXX Please delete this account immediately
Consumer complaint received 2021-12-23
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. (FL)

To whom it may concern, I recently pulled my reports and noticed you are reporting 2 different accounts on my XXXX, XXXX and Equifax for this account ( Dept of ED/XXXX  ). Because the account being reported by Equifax, XXXX and XXXX are different, this means the account has not been properly verified. 

XXXX Acct : XXXX XXXX and Equifax : XXXX Please delete this account immediately
Consumer complaint received 2020-02-19
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Premier Student Loan Center (FL)

Good day, My name is XXXX XXXX. I had been recently enrolled in student loan repayments with Premier Student Loans ( They also go by Premiere with an " e '' student loans ), who had claimed to have taken full access to my student loan repayment plan and had set up a payment process with me. 

I had made at least 10 payments or more with them at {$40.00} a month. As well an initial " set up fee '' of over 400 $ with them. I have bank statements and correspondence to prove such. 

I had called their number recently to make last months payment only to hear the recording regarding their lawsuit, which completely shocked me. 

I am really writing this email to find out what the next steps are to retrieving my money or filing a claim against them regarding their fraudulent activities. I am pretty sure I am one of many, however, I am extremely disgruntled by this and would like to gain some understanding of next steps. 

Kindly advise. 

Best regards, XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

XXXX XXXX  XXXX  opened XX/XX/22. I called the associated financial institution on XX/XX/22 about it, advising it as fraud. They closed the account. 
When I called XXXX to report the card ( which is showing on my credit report ), the XXXX Fraud Customer Service Agent said I needed to file a fraud dispute with the FTC. But the FTC website directed me here.
Consumer complaint received 2019-09-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (AZ)

This organization has purchased the debt at issue from XXXX XXXX. 

I have never done any business with XXXX XXXX or Trident Asset Management ( hereinafter TAM ).

I have informed Trident via reply to one of their notifications regarding this debt. I have informed both XXXX  XXXX and TAM that I never open an account or contract electronically or via the internet. I do NOT sign any contract unless it is with a notary present and I can sign my wet-ink signature on the contract to signify my agreement. 

Trident claims I opened an account online with XXXX XXXX. This is untrue ; and if they maintain this claim, I am demanding to see the initial contract I signed to do so. If there is no such contract, there is no such debt in my name ( XXXX XXXX ), and Trident will not receive one penny towards this false debt.
Consumer complaint received 2019-09-09
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: STERLING JEWELERS, INC. (TX)

I was told by the customer service agent, that if a made a payment of {$150.00} that I would not be marked for a 30 day past due ding on my credit report. I paid that amount and it was still reported on my credit as 30 days past due. As of now i am currently caught up on all payments to the current company. I also told them that we can set up automatic payments as well. I still recieved a 30 day past due mark on my credit report.
Consumer complaint received 2019-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A LATE PAYMENTS REPORT ON XX/XX/2019 ON MY XXXX. I'VE FALLEN BEHIND BECAUSE OF A PERSONAL HARDSHIP WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNT THAT'S LISTED.
Consumer complaint received 2023-01-20
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. (DC)

On ( XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern, I recently pulled my reports and noticed you are reporting 2 different accounts on my Transunion, XXXX and XXXX for this account ( Dept of XXXX ). Because the account being reported by XXXX, Tansunion and XXXX are different, this means the account has not been properly verified. 

Tranunion Acct : XXXX XXXX and XXXX : XXXX Please delete this account immediately
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-23
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: General Motors Financial Company, Inc. (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. GM FINANCIAL is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( GM FINANCIAL XXXX )
Consumer complaint received 2020-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

After a " random review of my credit standing '' my credit line was lowered and of course subsequently lowering my overall credit score. Synchrony used XXXX as  an excuse and said I had a : " LACK OF REAL ESTATE SECURED LOAN INFORMATION '' " AVERAGE TIME SINCE ACCOUNTS OPENED IS TOO RECENT '' " TOO FEW BANKCARDS WITH HIGH CREDIT LIMITS '' " AVERAGE TIME SINCE REVOLVING ACCOUNTS OPENED IS TOO REENT '' " NUMBER OF INQUIRIES WAS A FACTOR IN DETERMINING SCORE '' All of this after first granting me a credit line and then increasing said credit line and then mailing me a letter saying my credit line has been lowered ... out of no where this decision was made. I had not asked for additional credit, applied for an additional card nor missed a payment. THE LETTER SAID " WE RECEIVE UPDATED SCORES ON A PERIODIC BASIS. '' I called them to let them know " I'll pay it off, but I'll never use their services again, PERIOD AND FULL STOP.
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (ID)

XXXX  with whom I have a XXXX XXXX loan in XXXX provided me with a loan modifications in XXXX after I contact them requesting the cares act relief as I was diagnosed in XXXX XXXX in XXXX of XXXX. The modifications was written to stop the loan due dates in XXXX through XXXX and reset in XXXX of XXXX and defer to end of loan. Then payments partial until XXXX of XXXX them pay 6 months consecutive and then refi to a home equity loan. I was told the dates would be forgiven and not report late or partial for the XXXX through XXXX. I went to refi my loan in XX/XX/XXXX and was not able to get all the documents in on time and now in XX/XX/XXXX went to look into gov programs for special rates. I checked XXXX XXXX  and my credit had fallen under XXXX and was furious. My XXXX was reporting my loan as a standard revolving account loan and all of the dates from modifications were 30 60 and 90 days late. And my other accounts were closed due to low credit score. Credit utilization 444 % even though paid on time. I tried to get a loan with XXXX XXXX XXXX  to pay those off and was denied because of the debt income ratio and to refi loan with XXXX and dispute to have credit fixes. I wrote to XXXX  as well as dispute 3 credit reports and XXXX  replied reporting correctly and my loan modifications report correctly. I am currently refi with XXXX taking over 5 weeks and they refuse to fix credit report only mini refi paying all my debts not allowing me to keep my car loan or my prepaid credit cards. I have dispute with the XXXX their CEO and nothing has changed.
Consumer complaint received 2021-12-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (MO)

Loan advisor provided false information over phone on recorded line and pressured us to sign incorrect documents. 

XXXX XXXX ( XXXX  XXXX ) of Rocket mortgage repeatedly stated terms of loan, particularly the total loan costs ( boxes XXXX  ) of {$2300.00}. What he failed to disclose ( despite being asked multiple times ) was that there was an additional charge of {$1500.00} points. We discussed this extensively by phone and he repeatedly did not disclose the points, despite being explicitly asked what the total loan costs were. 

He then provided incorrect loan documents and encouraged me to sign them saying they can be fixed later. Subsequently refused to honor the original terms.
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MI)

In late 2013, I contacted my mortgage company ( Wells Fargo ) regarding modification to an existing loan. I was having difficulty financially and saw federal government advertisements on tv & on billboards for loan modifications for those who are struggling. These ads stated that in order to avoid foreclosure, contact your mortgage company for assistance - that 'help was available '. When I contacted Wells Fargo, they said they could not help me " because I didn't make enough money ''. At this point in time, I had not one single late mortgage payment but simply needed help to make the payments more manageable & avoid foreclosure. 

I feel this was an error on their part & that because of their bad business practices, I was forced to relocate out of state & sell my home at a substantial loss. I wish for this case to be reviewed & Wells Fargo be held accountable for any erroneous business practices.
Consumer complaint received 2019-11-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Razor Capital, LLC (FL)

Razor Capital is trying to collect a debt that is not mine. They have filed a lawsuit against me. They are trying to collect on a debt that was an identity theft issue. Report was filled with the FTC about the issue. I have not been able to file a police report because they want an original letter from the company saying this debt is mine. I have no idea who the original company is.