davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2022-04-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Received several letters in the mail which claimed a prepaid debit card was blocked. I do not have a prepaid debit card. Letters had Bank of America letterhead but an address which is not a B of A address and an XXXX number which is unknown to the real B of A. I do have multiple accounts with B of A. An account number was on the letter which is not one of my accounts. 
The return address was XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-04-19
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. (MI)

I have complained numerous times to XXXX XXXX XXXX about a debt that was opened fraudulently. They sent me paperwork showing balances which are not mine. I have written to them and sent them letters and have tried to dispute with three credit bureaus with no resolution.
Consumer complaint received 2022-04-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

I currently use the online system for New Rez and during the month of XXXX I did not hit submit so my payment was late. Once I checked my account and saw that my payment was late I decided to make an early payment for XXXX because I am working out of state and did not want any issues. So I made the electronic payments online on XX/XX/2022, and paid the amount of XXXX for my XXXX payment and XXXX again for my XXXX payment online through their system. Each installment stated this was the amount due and I proceeded with those payments. I checked my bank account a few days later to make sure the payments came out of my account. On XX/XX/2022 I received an email that I was two payments behind and I called New Rez. I was told that on XX/XX/2022, New Rez sent a letter out to inform me that my mortgage payment was going up in XXXX. I explained that in no way could I have made my two months ' payments and received the letter in the mail the same day. The company never called or emailed me about the discrepancy. I was told since the payment of {$930.00} was not made and I made the payment that appeared online at the time of XXXX. New Rez did not know what to do with the money that I clearly submitted online for my XXXX payment, they applied it to my principal portion of my loan. Never issue the money back to me, calling, emailing me, or trying to get in contact with me. I received a 30-day late on my credit that I have never had a mortgage payment 30 days late in my life. this is unfair and how Americans end up in financial situations we can not get out of. If my payment changed it should have been reflected when I made the XXXX payment online. I paid was was stated that was due at that time.
Consumer complaint received 2022-04-19
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. (MI)

I have complained numerous times to XXXX  XXXX XXXX about a debt that was opened fraudulently. They sent me paperwork showing balances which are not mine. I have written to them and sent them letters and have tried to dispute with three credit bureaus with no resolution.
Consumer complaint received 2022-04-19
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE (OH)

I am looking at my report with inquiries from companies that should not have taken a hard inquiry which is interfering with my ability to obtain a home and decent wage bearing employment in my field. Most recently when applying for a home loan and a job, I found out this information. 


These are the inquiries that are hurting my profile. Please remove them. 

XXXX XXXX A XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Balance {$2400.00} Status Closed Updated XX/XX/XXXX is reporting an account that has not been verified by the consumer. I have requested documentation and verifiable information that this account belongs to XXXX XXXX, me, the consumer.
Consumer complaint received 2022-04-19
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. (GA)

Dear CDPB I was instructed by Transunion to send the Internal Revenue Service so that they may attach it to my file. They are in the process of investigating to help me clear my fraud activity from my credit file. I ask that you can send this to XXXX and XXXX as well to attach to my file with hopes that they remove the accounts that I have been disputing. 

This is an official document from the IRS and it gets no more official than this. I am still being plagued with ID Theft. 

Thanks
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2023 TU 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (WA)

XXXX from Collage XXXX. Most of my past student loan from XXXX to XXXX was held by Nelnet before I consolidated over to XXXX. From XXXX until XXXX the servicer would not work with me to lower my payments to a reasonable payment plan with my income and family size. I remember Nelnet steering me into Forbearance Plans most of the time to play catch up with struggling past student loan minimal payment requirements. At the time I had my job I was bringing home for income $ XXXX with one child in my household. My payments at times were as high as $ XXXX {$400.00} monthly. Most of the time I had to stop paying because of housing, electric, and food was a priority. I almost defaulted but stopped the default by consolidating my student loan debt into XXXX. I even tapped into my 401K plan to pay down some of XXXX in student debt in order to drop my payments down to a reasonable amount for my current income. XXXX now has guided me into income payment plan but it took years of struggle and losing my son on a living permeant basis because of my high monthly payments and keeping up with daily house hold bills. 
Sometime before I left Nelnet the servicer was down right mean to me as she quoted, " well you have to pay this back '', I don't care what income or family members you have in your household, just pay us ''. 

I fell victim to Forbearance Steering mostly from Nelnet Student Loan Servicer.
Consumer complaint received 2022-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I have contacted the credit bureau and they claim the debt is mine. but when I contacted the company I asked for paperwork proving the account is mine and I authorized. The collection company could not send the paper work and I am reporting Portfolio Recovery XXXX account is fraud and Identity theft.
Consumer complaint received 2024-03-13
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.
Consumer complaint received 2023-02-17
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-20
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Great American Finance Co (OH)

My girlfriend and I financed a washer, dryer and a mini freezer with Great American Finance via XXXX  XXXX XXXX and they told us we had 12 months to pay same as cash but they did not say that if we were late on our payment one time that we would lose that deal and then be charged 30 % interest. My girlfriend who is in charge of the finances was late on 2 payments and so now I am receiving multiple calls per day over a 16 day late bill that I plan in paying this week but most of my payments are going to thr interest now instead of the principal. This is false advertising and complete harassment. I want to sue them for this or at the very least file a complaint.
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/XXXX hard inquiry from XXXX. reported XX/XX/XXXX credit limit was {$2000.00} balance reported {$1800.00} 92 % of account limit. XX/XX/XXXX, remark removed from account. balance increased by {$130.00}. XX/XX/XXXX {$1900.00} was spent, account under investigation. 




XX/XX/XXXX hard inquiry from XXXX XXXX XXXX XXXX Account under investigation. 



XX/XX/XXXX hard inquiry from XXXX  XXXX no action was taken contacts was lead to nothing. 



This are all false reports on my credit. This are false inquiry accounts opened under my name are false I want them to be fixed/ deleted
Consumer complaint received 2022-04-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

On XX/XX/XXXX my lender SLS grant me a forbearance plan under the COVID-19 guideline. The forbearance period end on XX/XX/XXXX since then I have been trying to obtain help with my lender I requested a loan modification or a repayment plan however lender refused any help instead they approved me for a short sale and that is not an option for me. How can they offer short sale when my loan amount is much less than my property value, something doesnt seem right. Please help or advise me where can I seek for help. Lender sent me a letter that they will soon initiate foreclosure activities
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

CFPB Write up In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 instruction.
Consumer complaint received 2016-09-09
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Reverse Mortgage Solutions, Inc. (CA)

I have gone through the probate court and have Letters of Administration for my fathers estate. His home is currently in escrow, as of XXXX and the reverse mortgage company filed a default letter and formal estate sale proceedings in XXXX despite their knowledge that escrow was in place. I am the title company have had multiple contacts with RMS to keep them apprised of the process.
Consumer complaint received 2022-04-20
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. (CA)

In accordance with the Fair Credit act XXXX  Account # XXXX, XXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Winklevoss Exchange LLC (OH)

On XX/XX/2022 I opened up an account with Gemini  and applied for a credit card. The account was opened and credit card approved for {$22000.00} on XX/XX/2022. On XX/XX/2022, I emailed support to inquire why my account was now showing as frozen, but my account showed my credit card as available. Support emailed me back with ticket number XXXX stating that my account was under review by the Trust and Security Department. On XX/XX/2022, I logged in and the account showed as frozen but my credit card information was no longer showing. I emailed support again, but did not receive a reply this time.
Consumer complaint received 2021-03-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

I called Navient on XX/XX/2021 to ask if I qualified for a deferment or a forbearance on my loans. I had damaged done to my home because of the winter storm that hit my state. The agent asked for my zip code to verify the area I lived in. She then said that because of the area I was in, my loans and other Individuals who also lived in my state would automatically have their loans go into deferment. I asked how long was the deferment? She replied with just call back when you are ready to begin giving payments. I also asked if she could cancel the autopay which she agreed to do. I was confident in trusting this agent. On XX/XX/2021, I received an email saying that I had defaulted on my loan. I promptly called Navient and was transferred to a male agent. He read off a script and then said how would you like to pay for your defaulted loan? I responded by explaining the situation and he raised his voice saying you owe two payments one for XXXX and one for XXXX. I responded with, you are incorrect because I have had my loans current because of automated payments until this month. It wasnt until he let me explain the situation that he listened. I asked why was I given wrong information from the previous loan agent? I trusted in Navient and they let me down. I hope that this error on their part doesnt show up on my credit report. This agent then put my loans in deferment until XXXX. I then asked if I will receive written notification of the deferment. He replied with yes through email. My intention for this complaint is for Navient to provide more customer service and support training for their agents.
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XX/XX/2021 I mailed a letter about inaccurate, misleading, and unauthorize things on my credit report. It has been well over 60 days since I sent this letter and still have not received a response,. I contacted the bureaus and was told that I can not speak with a representative over the phone and am only allowed to mail or fax the office. I feel like they are neglecting and not taking my disputes serious. According to Section 611 ( a ) any failure to investigate these items within 30 days gives a qualified rationale to immediately remove those items from my credit report, given that it has been over 60 days, and I have not heard one word from this company, these items should be deleted immediately and without hesitation! If these accounts are not deleted immediately, I will include these mishaps and neglect in my current litigation due to feeling unheard and mistreated. Please also look into my information being breach in the XXXX  data breach bc i'm afraid that it gotten into the wrong individuals hands.
Consumer complaint received 2019-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (TX)

Reporting probable organized crime scheme to create fraudulent debt instruments across the country using " front '' companies and collection of some percentage of them by the syndicate 's " XXXX XXXX XXXX  '' - ( TSI ) ~XXXXTWS   XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , PA XXXX TEL XXXX a pest control company solicited at my front door Some months ago I bought a house in a new neighborhood in XXXX County Texas at XXXX XXXX XXXX XXXX, XXXX , TX XXXX. Several " ODD '' " coincidental '' things happened. For instance one day after going to lunch I returned to find mouse droppings, styrofoam & insulatio in the shower. ( THAT HAD A CLOSED SEALED GLASS DOOR. ) & some drywall shavings by the closet door ( In a poor attempt to make it look like a mouse had burrowed in through the walls - on closer inspection later it was obvious that someone used a key hole saw. ) The next day a pest control company showed up at my door soliciting services. ( A similar thing happened with a security company ) I declined both times. Several months later a pest control company - '' XXXX XXXX XXXX XXXX '' came to the door and I agreed to allow them to spray the structure at XXXX XXXX XXXX XXXX 1 time ONLY and specifically stated I did not want or agree to a contract. The 2 men presented a electronic tablet and said press here and sign here which I did. A month later one of their trucks showed up to again treat the structure. I said NO I do not have a contract. Later they sent me a bill to attempt to collect a fee for " cancellation of the contract '' which I never had. I mailed it back to them saying it was fraudulent. In the last few months I've recieved several telephone calls from a collection agency ( " XXXX XXXX XXXX  '' ) XXXX-TWS in PA. Today the lady I spoke to said that XXXXTWS did not buy the " debt '' to collect. I believe they are in league with this scheme and they are the hub of a vast criminal syndicate using a myriad of front companies. Pest Control, Secutity, & other home services. I also have reason to believe that this encompases 2 prominent " religious orginizations '' / religions. It is a nationwide scheme involving attemptinfg to creat fraudulent debt instruments and defrauding, ( breaking & entering, ect ) buyers of new homes as well as targeting Political " opposition '' or people who have espoused views they disagree with. Either way the fact of the matter is that XXXXTWS   XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX are engaged in Fraudulent behavior, ORGINIZED CRIME, and Creating Fraudulent Debt instruments and attempting to collect on them. How Many Old Ladies & other ignorant victims have they scammed. They are Obviously stealing a lot of money in this organized crime syndicate using " llegitimate '' business ' as fronts who also break the law in the fraud by Theft, Destruction of Property and Breaking and Entering.