davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-21
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. (IL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy 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 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 XX/XX/XXXX
Consumer complaint received 2023-04-06
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: SG and Associates (SC)

I would like for these accounts to please be removed because these are not my accounts.. 
Remove all fraudulent accounts immediately. 
Stanford Group And Assoc for XXXX XXXX XXXX for {$6100.00} XXXX for {$530.00} and {$390.00} XXXX XXXX for {$110.00} Please remove accounts these accounts are not mine.
Consumer complaint received 2022-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

I have had my federally protected consumer rights violated by Experian on numerous occasions. According to to 15 U.S. Code 1681b - permissable purposes, nothing should be furnished on my credit report without my written consent, I have compiled and EXHIBIT to show the violations done to my credit report and have attached an invoice for the actual damages done. EXPERIAN has violated 15 U.S. Code 1692e as well, by using false and misleading characters and statements. I have not been able to extend credit or qualify for a loan. They have caused me financial harm willfully and negligently. I have also included 3 affidavits, one which is an affidavit of truth I have sent in the past. By law if the affidavit of truth has not been rebutted line by line then it stands as truth, so why are these negative accounts still on my credit report? Provide my signature in wet, blue ink, signed by my hand ACCOUNTS : BANK XXXX XXXX - {$9000.00} XXXX XXXX - {$16000.00} XXXX - {$6300.00} XXXXXXXX XXXX  - {$12000.00}
Consumer complaint received 2018-11-20
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: Global Lending Services LLC (IL)

I have been contacting Global Lending, who appear on my credit file as Global Lendi numerous of times trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a loan of some sort. On my XXXX report, there are inquires dates of XX/XX/XXXX, XX/XX/XXXX. Neither of these did i authorize or give permission. they are a result of fraud. 

Global lendi XXXX, SC, XXXX ( XXXX ) XXXX XXXX is the contact information I have listed for them
Consumer complaint received 2019-09-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CT)

I have a mortgage that was assigned to Specialized Loan Servicing, LLC in XXXX or so. I just received my yearly escrow analysis. They indicated I have a shortage of {$1000.00}. MY taxes have been relatively stable for the last few years, only increasing about {$50.00} per year. Total taxes are around {$6000.00}. Insurance is not escrowed, I pay it direct. In XXXX, Connecticut, taxes are due XX/XX/XXXX and XX/XX/XXXX. Really, due by the end of each of those months. 

On the escrow analysis, it would appear the are performing a " pre-accrual '' in violation of CFR 1024.17. They have the taxes being deducted in XXXX rather than XXXX, and thus are artificially creating a negative balance in the account. Payments are roughly {$500.00} per month, so obviously deducting a payment two months early creates a {$1000.00} deficit. Under my understanding, this is a clear problem under the regulation above. 

Prior analysis ( XXXX and XXXX are provided ) were always done with taxes coming out in XXXX and XXXX, and there was never a problem ( or if there was a shortage, it was about {$20.00} for the year ). 

They have not taken my call. I sat on hold and they programmed an automatic callback that never comes.
Consumer complaint received 2018-11-20
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (IL)

I have been contacting OneMain Financial, who appear on my credit file as OneMain numerous of times trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a loan of some sort. On my XXXX report, there are inquires dates of XX/XX/XXXX, XX/XX/XXXX. Neither of these did i authorize or give permission. they are a result of fraud.
Consumer complaint received 2024-05-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PLANET HOME LENDING, LLC (NY)

i was working with the realtor to complete a short sale had a commitment from the buyer also due to the fluctuation in the interest rates the borrower and there lender was finalizing the deal my bank along with the lawyers went ahead and went into court got a sale date and said to the agent only way they would stop it is if the deal would include and additional XXXX within XXXX hours. i went to court the judge signed a XXXX XXXX XXXX i wanted to go in front of the judge at time of hearing to explain the case i wasnt told when the hearing was held the judge dimiss the complaint. now they are acting as if they entertaining the buyer as in bad faith telling us they have to get the final approval for short sale mean while have a sale date again for XX/XX/XXXX XXXX pending and holding XXXX XXXX. i worked out a modification with them in XXXX when i was giving no choice but to give them XXXX which i did and inturn i got and unfavorable situation with adjustable rate and high payment. recently i went to the court and looking into the file i notice that they also made false claims that in XXXX that i wasnt eligble for a settlement confrence because my property wasnt owner occupied which is false they knew that i did live there infact i have lived at that same residence since i obtained the property. they aslo mark me as a no show for the confrence which i had no idea was even taking place in a afidavit of service they went to my mothers address which is XXXX XXXX XXXX XXXX XXXX they stated that they served my cousin XXXX XXXX i just learned of this just a week ago looking in the files at the court we dont have anyone ever in the history of my family name XXXX XXXX XXXX i had a attorney handling the case during the XXXX his name was XXXX XXXX he passed away so alot of the documents was with him so its taking a little time for me to gather everything to show you.
Consumer complaint received 2024-05-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Navient Solutions, LLC. (IN)

In XXXX I apply and received a XXXX XXXX from XXXX XXXX now Navient. On XXXX I did a Bankruptcy and Navient was listed as XXXX of the creditors. The issue is that Navient have not discharge the debt as ordered by United States Bankruptcy XXXX in XX/XX/XXXX. 

On XX/XX/XXXX received a letter from XXXX XXXX XXXX a collection agency for Navient requesting payment of the debt. On the letter it stated that I had until XX/XX/XXXX to dispute but the agent called and asking what I am going to do about the debt. I called Navient and the agent at Navient gave me a email address to contact them but have not received a response.
Consumer complaint received 2022-07-26
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: EQUIFAX, INC. (MI)

Employment Info : Self Employeed XXXX XXXX XXXX XXXX This is inaccurate and I gave nobody permission to post false information or nay information about me. 

XXXX XXXX XXXX XXXX : This is my account and accurate. Only this Inquiries ..... 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX I have not given any of these company 's permission to pull my credit report. This is inaccurate reporting and I want this removed. 
XXXX XXXX XXXX Reported XX/XX/XXXX {$930.00} Outstanding XXXX XXXX XXXX Reported XX/XX/XXXX, {$930.00} Outstanding. This is not my account. This was my ex-roommate 's account with a rental company and other than living in the same house I had nothing to do with. This is inaccurate and ridiculous. This needs to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX This is NOT one of my creditors. This needs to be removed asap. 

I am trying to establish my credit and these false and belligerent reporting 's have really messed things up. I hope this gets resolved asap.
Consumer complaint received 2019-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

As of XX/XX/2019 Bank of America has not sent me any information in the mail at replied to CFPB. I have requested that they validate the account and provide the contract where I opened an account with BofA requesting a credit card. I am a victim of identity theft and I have notified them and the CRA of this and they are to free me of any debt owed. 

The account must be closed, remove any unauthorized charges and take any steps to remove from my credit file. 

BofA reply to you was that they can't and DOES NOT know who is reporting the information so how are they verifying. I have attached a follow up letter to them and is demanding they remove this identity theft account from all 3 CRA 's
Consumer complaint received 2022-07-26
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. (MI)

Employment Info : Self Employeed XXXX XXXX XXXX XXXX. This is inaccurate and I gave nobody permission to post false information or nay information about me. 

XXXX XXXX XXXX XXXX : This is my account and accurate. Only this Inquiries ..... 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX I have not given any of these company 's permission to pull my credit report. This is inaccurate reporting and I want this removed. 
XXXX XXXX XXXX Reported XX/XX/XXXX {$930.00} Outstanding XXXX XXXX XXXX Reported XX/XX/XXXX, {$930.00} Outstanding. This is not my account. This was my ex-roommate 's account with a rental company and other than living in the same house I had nothing to do with. This is inaccurate and ridiculous. This needs to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX ( XXXX ) XXXX This is NOT one of my creditors. This needs to be removed asap. 

I am trying to establish my credit and these false and belligerent reporting 's have really messed things up. I hope this gets resolved asap.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (IL)

On XX/XX/2022, I tried to lift a security freeze at ChexSystems. With all of the other credit bureaus I am able to log in to my account and place or lift a freeze with ease and within minutes. ChexSystems no longer has accounts in order to take these actions, which should be effortless for the consumer. Instead a pin system is used, which requires antiquated fax or snail mail to receive. Are we living in the dark ages? 

To resolve my issue, I called the company, multiple times, and only get automated messages. Requesting a human support representative I am told no representatives are available, even though it was within the time period representatives are available. This should be illegal. 

This jumping through hoops is going to XXXX up my ability to get a loan with the terms and purchase the new vehicle at the only time I am available to travel to pick it up.
Consumer complaint received 2022-06-20
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: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, and # XXXX - US Bankruptcy Court 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 2021-03-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (NV)

Hello, to whom it may concern i am writing to you because my mortgage lender modified my loan back in XX/XX/2020. Since then i been asking for them to mail a copy of the final loan modification agreement. 


Since then they keep telling me they are working on it to update their system and bring the account current since it was modified. 

Now after 4 months trying to even get someone on the line from my mortgage company they keep blaming each other telling me that investor lost my loan modification agreement ( the final one ) and i have to re apply all over again. 

Which on the mortgage statement i am now showing behind with all payments. please help since i am XXXX years old and i dont have the energy to be after my mortgage company trying to fix their mistake. 

Please help!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX
Consumer complaint received 2022-07-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (HI)

I purchased a vehicle and the car company provided myself and the loan company Westlake Financial. This was discovered by the car company after I made my first payment. Since then the loan was cancelled with no notification to me and restarted by the car company and loan company on their own. My credit rating dropped from XXXX to XXXX because of their multiple credit checks even though the loan had already been approved and I had made a payment. Now this morning I was awaken at XXXX this morning for what the supervisor said was a mistake. When I asked why I was being awaken he said it was a mistake. I asked why he called and he did seem to be able to answer that question. When asked to speak to someone with some authority I was hung up on. This borders on harassment. This company is ranked as a weak customer service loan company in their reviews. I can see why.
Consumer complaint received 2022-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX and # XXXX - US Bankruptcy Court 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 2022-07-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC (WI)

Since the beginning of my loan with Veteran 's United I have made multiple principal only payments. Each time I've made a principal only payment Veteran 's United system instead makes a regular monthly payment with interest and escrow. In the last 12 months I've called into Veteran 's United, spoken with a human being from Veteran 's United, asked to make a principal only payment -- specifying each time that I want all funds on this payment to go to principal -- and when I check the next day Veteran 's United 's system has instead taken from the payment I made and made a regular monthly payment first ( with interest and escrow ) and then applied the balance to principal. This has happened at least five times in the last 12 months. Each time I call the representative tells me they've made some sort of " hierarchy '' change to my account, but each and every following time I call in to make a principal only payment Veteran 's United 's system first makes a regular payment with interest and escrow and then applies the balance to principal. *****I am convinced that Veteran 's United 's system is doing this to many veterans, not just me. ***** I'm no longer concerned about fixing this problem for me, as I've just resigned to the fact that Veteran 's United has made a conscious decision not to fix this problem ; who I'm concerned about are the likely thousands of other veteran 's that are being cheated by this faulty principal only payment process. I'm not looking for the template answer that will come from Veteran 's United 's representative -- telling you that they take each complaint like this seriously -- I'm looking for proof positive ( something that will convince your agency -- that Veteran 's United will ( a ) reverse this for past Veterans and ( b ) stop it from happening to other veterans in the future. Please feel free to call me or email to get documentation from me of this particular recurring problem. Thank you in advance. XXXX XXXX, XXXX, XXXX XXXX ( XXXX. )
Consumer complaint received 2023-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Capital one continues to try to charge me for for charges I did not make. When you tell them the charge they issue a credit then take the credit back the next day. They do no investigation whatsoever. Which is more and more striking as fraud. No credit card company does this. I spike to one of the venders who admitted the errors and apologized, yet capital one is taking back the credits they issued and will see the credit coming back from the venders who recognize the errors.This in itself says something is wrong with capital one. I have no intention of using their card services again ever after this is resolved.

It's one thing for the consumer to say fraud occurred and there to be no proof, but for fraud to occur and a vender admits to it after capital one cited the transaction was accurate, says that Capital one credit is not following federal regulations.

I have attached all the letters from then, in the past 6 days, I've seen them do this so many times, that I want nothing to do with them.

Its ridiculous, there is one from XXXX where uhaul admitted they did not have the machine booked online. charged anyway, then I contacted Capital one, they credited the account then took the credit back, citing as shown they found no dispute or fraud that the charge was valid, yet uhaul admitted they did not have the machine and credited the account back. 

Capital one is engaging in consumer fraud.If the vender admits after the credit was removed it means capital one never investigated anything, and I've seen this too many times with capital one. 

.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion removed XXXXXXXX XXXX from my report months ago. They reinserted the account back on my report. Not to mention I did not authorize them to put anything on my report.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

the inquiries listed on my account are fraudulent and are not mind 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i have also contacted the creditors and notified that they were fraudlent
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have hard inquiries on my credit report that I have never applied for. The unauthorized companies to report on my credit are XXXX and XXXXXXXX XXXX XXXX XXXX for TransUnion.
Consumer complaint received 2022-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (ID)

I deposited my paycheck and was given a available balance and later that night the purchases were put in as overdraft as they took my available balance away and put a hold on my paycheck so the charges I made when I had a available balance made my account negative