davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NCB Management Services Inc. (TN)

This collection company keeps harassing me over a debt I am NOT liable for. I have asked this company to provide me with the following : Original signed copy of the contract, showing date account opened, authorized payment agreement, and XXXX disclosure. 

They HAVE NOT provided me this information. 

15 USC 1692, NCB Management Account # XXXX has violated my rights 15 USC 1681 Section 602 A states I have a right to privacy 15 USC 1681 Section 604 A Section 2 states, a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2017-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

My wife and I were involved in a personal Chapter  XXXX  bankruptcy. The case ran from  XXXX  to  XXXX . On  XXXX   XXXX ,  XXXX , the case was successfully closed.   I sent a copy of the order closing the case from th e US Bankruptcy court to all of the credit bureaus.. XXXX , Transunion,  XXXX  and asked them to show the case as closed / discharged.      I worked with credit repair service and we got many of the individual records corrected.   I have worked diligently to improve my credit and my credit scores from all   XXXX    bureaus show the improvement.     However they still show me as being involved in an open/active bankryptcy, and this is incorrect ... the was successfully closed, I am no longer in bankruptcy.
Consumer complaint received 2024-03-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (HI)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The USAA FSB failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report this negative account remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. USAA FSB XXXX.
Consumer complaint received 2022-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  account 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 with out my written instructions.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

Your selection does not adequately describe my problem. The credit bureau according to XXXX stated that I was no longer living. THIS IS SERIOUS< AS YOU SEE I AM STILL LIVING. I tried contacting XXXX XXXX  who explained they could do nothing as they received information from Experian. And of course Experian denied sending them the information. 
I have written to both agencies only to receive radio silence. My credit took a hit for a hard pull by XXXX. 
I am hoping you can help.
Consumer complaint received 2017-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (CA)

Statebridge LLC a pproved a HAMP modification on my property in  XXXX ,  XXXX . During the trial period, which extended from  XXXX  -  XXXX  of  XXXX , I paid about {$3000.00} per month. After completing the trial period, a final modification was approved and a lower payment, just over {$2500.00}, was offered by  Statebridge,  beginning  XXXX   XXXX . I made regular on-time payments to  Statebridge th rough  XXXX ,  XXXX , when my loan servicing was transferred to another servicer,  XXXX   XXXX .  <P/> Recently,  XXXX  notified me of an escrow account shortfall of almost {$10000.00}, and an increase in my payment from {$2500.00} to {$3800.00} to cover the shortfall. This shortfall was caused by a critical mist  ake Statebridge made in calculating my approved HAMP payment. Statebridge counted only 50 % of my annual property tax, thus creating a systematic shortfall. Since I never received a single bill or statement of any kind from Statebridge, I was completely unaware of this problem until now.
<P/>
This is the second complaint I have made about Statebridge to CFPB. The first was resolved by CFPB when Statebridge admitted failing to apply a timely payment and claimed to be working directly with  XXXX  to correct my payment record, however   XXXX   had heard nothing from Statebridge. I am requesting additional followup on the earlier complaint as well as this new complaint to ensure that Statebridge follows through.
Consumer complaint received 2016-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ECMC GROUP, INC. (CA)

I was offered a rehabilitation program by lender who advised if I completed this program my loans would be removed from default and they would update credit reporting agencies to reflect no late payments on my credit. I successfully completed the loan rehablitation program and was told after I paid on time for 12 months that they were not going to remove the default from my credit nor update the late payment status although the agreement shows that they will. They then advised me that I must pay the balance in full to have my credit update which was n't what was written in the orginal agreement.
Consumer complaint received 2021-06-14
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: GUARANTEED RATE INC. (IL)

The response from GUARANTEED RATE INC is false. Transunion stated several times that they never received any response from GUARANTEED RATE INC or XXXX XXXX  to remove this Hard Inquiry from my credit report that was requested by GUARANTEED RATE in the first place. There have been no documents given to me showing that Transunion was notified of the hard Inquiry from GUARANTEED RATE INC or XXXX XXXX 
I have also Been Harassed by GUARANTEED RATE with Text messages and repeated Phone calls all different times of the day and night. This company GUARANTEED RATE has harassed me and damaged my Credit report regarding a loan I did not authorized or request. GUARANTEED RATE has not done all that could have been done to correct the Hard Inquiry in my credit report. Then harass me on top of it. Then threaten me in a letter stating that if I file further complaints, it would be marked as a duplicate when my Issue is still unresolved. The issue is still not resolved and I plan to exercise my legal right against GUARANTEED RATE. I will also be filing complaints with the Attorney General as well. Unresolved prior complaint below. 


I have reached out to XXXX  XXXX  to remove a hard inquiry from my credit report on XX/XX/2021 that I did not request or authorize. XXXX XXXX claim to have sent a request to the credit reporting agencies to remove the inquiry. This a hard inquiry in my credit file. I have provided requested information to XXXX XXXX and Guaranteed Rate that I did not authorize any loans with Guaranteed rate. Then I was informed it would be removed, and it has not. XXXX XXXX and Guaranteed Rate is responsible for this issue, and it seems that someone intentionally requested a Mortgage using my name, and Identity which is fraud. XXXX XXXX and Guaranteed Rate also failed to validate my personal information that was used without my authorization or consent. The Hard Inquiry from GUARANTEED RATE INC via XXXX XXXX is still in my Transunion credit report. I was informed in the attached letter from Guaranteed Rate, that it could take 90 days. It has been more than 120 days because my Dispute was filed in XX/XX/2021 and it's still not removed from my Transunion credit Report. I also attached my police report as well. I'm requesting this hard inquiry to be removed from my credit Immediately.
Consumer complaint received 2019-08-05
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. (VA)

In XXXX, I filed a dispute online with each of the three major credit bureaus, disputing several items erroneously reported on my credit report. XXXX conducted a proper investigation, found those items were unable to be properly validated, and, rightly, removed all items. Transunion, however, did NOT remove three of the items which were disputed. 
On XX/XX/XXXX, I sent a letter via priority mail express to Transunion which asked them to reinvestigate AND provide all documentation showing why they believed the debt to be accurate and belonging to me. I did not hear back from them on either request for these three items within 30 days ( for the reinvestigation ) or 15 days ( for the request for documentation.. 
On XX/XX/XXXX, I sent another letter via priority mail express to Transunion notifying them of their failure to respond to the investigation request and the documentation request and requesting that they immediately delete the erroneously reported items. 
in a letter postmarked XX/XX/XXXX ( three days after the 30 day deadline ), Transunion responded with the same response I received in XXXX, no additional information or reinvestigation, and no documention. 
I have no contract with these three companies which Transunion is reporting as negative on my credit report. Transunion has failed to properly validate these items which were erroneously reported on my credit report. Transunion has failed to validate these items within the 30 day timeframe allotted by FRCA. Transunion has failed to provide documentation of validation within the 15 day timeframe allotted by FRCA. 
Please intervene on my behalf with Transunion, as these three accounts have negatively effected my credit, resulting in my family 's XXXX.
Consumer complaint received 2022-03-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

Our home is scheduled for auction on the XXXX of XX/XX/XXXX This company is not helping us. We have pleaded with this company to help, but insist on making our lives incredibly stressful. 

My mother was the owner of the house until she passed in XXXX. Our loan went through so much before it got to our current mortgage holder. They do not care and just want us to go away. 

My sister and I have a right to live in the house according to CFPB rules and the Garn-St Germain Act of 1982. This act protects the heirs from Due-on Sale Clause. Meaning to be foreclosed on. 

My sister and I can afford the payments, but the company will not give us an opportunity. 
We were given a trail period in XXXX and made all six payments and nothing came of it. They took our money and still trying to foreclose on us. 

This is such a terrible company. There are rules set in place for our protection and they still won't abide. 

Why can't this company follow the rules?? How are they able to get away with this? 

My sister and I deserve an opportunity!
Consumer complaint received 2022-12-05
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. (TX)

In accordance with the fair credit reporting act the following creditors have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 States that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card or installment account under an open-end consumer credit plan as late for purpose.
Consumer complaint received 2016-02-22
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

During the process of doing an assumption of a mortgage loan with Penny Mac, they pulled my credit twice within a three ( 3 ) month period. This was not needed, acknowledged as an error by their employee XXXX XXXX XXXX # XXXX, yet never removed from my credit bureau and is reporting as showing until 2017.
Consumer complaint received 2021-12-09
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: Experian Information Solutions Inc. (PA)

Today I called experian in regards to a dispute that was open since XXXX. 
When speaking to an agent they said that I had to sent in a file a XXXX report in which i sent them already and after calling to verify they said it would take 30 days to investigate. After 30 days i call and they tell me i sent in the wrong form, in which i already verified with an agent after they recieved it prior. Trying to fix this issue i ask again which form do i need to move forward the agent advised me to complete the identity theft report form. In which i completed on the phone with her and uploaded online. I ask the agent to take a look at it and she verified it was the correct form. After another 30 days I called to check the status an agent said they couldn't move forward because i provided a false report form, in which i completed with an agent who also seen it as i uploaded it. After waiting on hold 30 minutes she ultimately said the form was correct and call back in 3 -5 days. After 7 days i called spoke to an agent and they told me my dispute results and the items came back as verified but they failed to investigate.A dispute usually takes 30 days however it was over the 30 days and the items that were disputed are still on my report. Once the dispute was over the items were still on there & Even after talking to several representatives about this issue they have yet to remove one rep hung up on my when i requested how these items were being verified they failed to tell me and said " they aren't able to disclose '' but how are you verifying this information is accurate on my report. The agent also said himself we dont investigate disputes only if the creditor verify it it remains. They are violating my rights as a consumer 15 usc code 16811i.
Consumer complaint received 2019-06-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ACIMA CREDIT, LLC (CA)

I recently got hit with a 30 day late payment from XXXXXXXX XXXXAcima. I been set up on automatic payments from XXXX for a ring that I have never received. I been calling and speaking to reps to assist me or give me a resolution. I received an email XX/XX/2019 stating the ring was ready to be picked up. I never got the ring and on XX/XX/XXXX I received an email saying they verified with merchant and " confirmed '' I took the ring and in the same email they are asking for my mailing address to ship me the ring ... and once i have the ring I can cancel and issue a return. On XX/XX/XXXX I spoke to customer service they said they would investigate and get back to me and they would stop charging me. I been waiting for a follow up call and I haven't heard anything. but I got a late payment for this month, I been getting charged a total of {$600.00} for a ring I have NEVER received.
Consumer complaint received 2019-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

XXXX XX/XX/XXXX Carrington Mortgage Services LLC received our {$1500.00} XXXX XX/XX/XXXX payment as our Bank XXXX would send Mortgage checks to Carrington 3 days prior to my payday. Carrington said they DO NOT carry forward any payments. Later in XXXX my credit report took a large hit for a missed payment of XXXX XX/XX/XXXX. XXXX 's payment was received by Carrington XXXX XX/XX/XXXX. Now the Delinquency Notices started XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Then came the letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX each letter stated Our records do not show receipt your payment. The Spreed sheet from Carrington 's  website tells the truth. They lied about XXXX 's payment to the credit agencies ... In XXXX I requested and AUDIT of our loan. I submitted 25 Months of records of payments to carrington. XX/XX/XXXX to XX/XX/XXXX. My evidence showed all on time payments, XX/XX/XXXX the AUDIT concurred with my findings. Yet harassing phone calls and mails continue. No one understands the audit. Last week I faxed proof of on time payments for XXXX and XXXX. My Wife and I are insulted by Carringtons ignorance to the law. Today the harassment continues
Consumer complaint received 2022-03-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I have filed this complaint 3 times and they have continually not fixed this issues correctly. The last complaint I received an a letter stating they will fix my credit and report my mortgage payments from XX/XX/2021 through XXXX XXXX.My loan modification was signed in XX/XX/2021 and my first payment was effective XX/XX/2021 and I need for them to report my payments for XX/XX/2021 and XX/XX/2021 as well. I made both of those payments and they need to reflect on my credit as paid and current. This issue is not resolved. Citizens Mortgage is a horrible company and I will never do business with them again! It shouldnt take this many times to get this corrected and they have the information in front of them.
Consumer complaint received 2022-03-26
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. (FL)

USPS Tracking # XXXX received bt TransUnion on XX/XX/2022 requesting Their investigation process concerning a bankruptcy showing on my consumer report. 
No response from CRA as of today which is well past the 30 day FCRA guideline
Consumer complaint received 2022-02-17
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. (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 TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX FUNDING ( Original Creditor : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  ) XXXX I XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2022-03-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (PA)

Back on XX/XX/2022 my Gemini XXXX XXXX was frozen for my protection. On Sunday XX/XX/2022 I submitted all required verification identification asked of me to unfreeze my account. I have over XXXX worth of BTC in my account and they are denying me access to it in order to even so much as withdraw it to another XXXX XXXX. They have just completed stopped responding to any type of email or ticket communication with them. They have no way of contacting them via the phone either! It is now 6 days since I uploaded what was asked of me and they have yet to even acknowledge me.
Consumer complaint received 2018-12-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

I have applied for Public Service Loan Forgiveness ( PSLF ) Program. I have been making payments since XX/XX/2015 with the understanding that I was making qualifying payments towards the 120 payments needed to forgive the loan. According to my account with the XXXX XXXX XXXX I have only made 7 qualifying payments. I believe this to be false. I have been paying my loan regularly and on time and feel I should be credited with at least 34 qualifying payments. The XXXX XXXX XXXX does not make it clear how many qualifying payments I have made. I have followed the protocol for re-certifying employment and an income driven repayment plan.
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (CA)

Throughout the years, i've had to file against the credit bureaus due to inaccurate reporting of the facts regarding a collections from XXXX that is handled by Jefferson Capital Systems. Last month, all the credit reporting agencies including XXXX  finally removed this item from my report. As of today XX/XX/2021 my credit report shows there are no collections, zero. I am writing to you because there is a collection by mail from XXXX  today and this is misreporting, unlawful, damaging top my perfect credit history and unlawful. 
Please see the attached documents. As it stands, Jefferson Capital and XXXX have been wrong all along and I have submitted much paperwork to prove it. It is unfair to report both things as true and false at the same time, therefore it is inconclusive and inaccurate reporting and it needs to be stricken and removed from my public record and report immediately. I find it appalling to see how these collection agencies do not ever do any thorough investigation as items keep getting placed back. This inaccuracy has been made public and it tis time to stop! As I see it, the credit reporting agency XXXX  is wrong in reporting inaccuracies and at the same accounts as closed and removed and opened and current at the same time ; Inaccurate, damaging and unlawful.