davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-03
Product: Credit reporting 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)

Your client XXXX XXXX here on an visa and with two fake SSN numbers XXXX and XXXX. Lying that he purchased XXXX XXXX XXXX in XX/XX/XXXX for XXXX from XXXX XXXX. He gave committed forgery cashing two checks in my name XXXX. XX/XX/XXXX XXXX. Mailed out XX/XX/XXXX. XXXX informed me yes he did it and make police report as XXXX Det. XXXX XXXX XXXX and conducted a affidavit of forgery on XX/XX/XXXX. Recall that XXXX name this deed fraud under XXXX against XXXX XXXX XXXX 

On XX/XX/XXXX at XXXX for XXXX minutes I spoke to XXXX  mortgage department XXXX XXXX and he said a guy name XXXX XXXX XXXX lying saying XXXX XXXX has clear title but is no clear title in this file. They have attached to your loan XXXX another loan as XXXX for XXXX to XXXX XXXX XXXX  and still hiding it and lying to me that they have it. 

On XX/XX/XXXX I spoke to XXXX  checking investigator XXXX and he said that fake SSN number led to where XXXX XXXX cashed your XXXX checks into XXXX XXXX XXXX XXXX AZ same as XXXX XXXX XXXX XXXX  XXXX XXXX just moved her office there a year ago.
Consumer complaint received 2019-06-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (IA)

Vehicle was totaled out XX/XX/XXXX. Ally financial received all but about {$3000.00}. We had gap insurance and had followed up with the Ally several times as the credit reporting still reflected a balance owed. After calling the company several times in a 6 month period I was told that we had some payments deferred due to a death in the family so the gap insurance would not pay. I did not get this information from them until the end of XX/XX/XXXX. Ally told me at that time that XXXX, XXXX and XXXX payments were delinquent. Interesting that they didnt charge any payments from XX/XX/XXXX until XX/XX/XXXX. It is extremely hard to get anyone in that organization not help you. I am concerned that there was no disclosure provided that advised that the gap insurance would not cover at the time we had the payments deferred. Now I owe a balance of {$2400.00} to pay off the loan and they hit my credit report with 90 day late payments. Their customer service agents are no help and we are unable to make online payments as the account cant be found. I advised them that we had to replace the vehicle but could not afford to make a {$410.00} payment but they are unwilling to work with me. They just keep dropping my credit score.
Consumer complaint received 2023-03-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Malen & Associates, p.c. (NY)

Debt collection agency attempting to collect on a debt from 2010. They filed legal actions on me. Was notified by a company that I was seeking credit through that they could not give me approval due to pending legal actions!
Consumer complaint received 2019-03-17
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: Atlanticus Services Corporation (SC)

On XX/XX/2019, I picked up some mail from the people that had recently bought my house. While going through this mail, I saw 2 credit card bills that I didn't recognize. After opening these bills, I saw that they were fraud. I had never applied for a credit card to either institution in question, so therefore none of the charges on these cards were done by me or authorized by me. I immediately called both XXXX and XXXX XXXX and advised them of the fraud. The cards were terminated and fraud paperwork was sent to me by both companies. I filled out this paperwork and mailed it back. However, XXXX keeps putting negative reports on my credit report. They are now saying I am over 60 days late on my payment to them. I have no obligation to pay for fraud. Their refusal to remove these negative items from my credit report have now damaged my credit. My credit limits have been reduced on my XXXX card by {$1000.00} and my XXXX XXXX credit card had been reduced by {$4000.00}. Once fraud is reported, there should be a presumption of innocence on the part of the person who asserts to be a victim of the fraud. I submit that any credit card company that ruins a person 's credit after fraud has been reported to them is ripe for suit. This has damaged me in my ability to purchase materials to fix up a property I'm working on to get it ready for sale. XXXX has, in effect, robbed me of {$5000.00} in purchasing power to conduct my business as well as caused a reduction in by credit score to where it is now below average. What's left of my credit will probably be ruined as well if they do not remove all items they have against me on my credit report. I was prompt on reporting the fraud so it could be stopped. However, XXXX has not been prompt in removing themselves from my credit report, instead they have chosen to ruin my credit over fraud. I intend to sue them for doing this to me.
Consumer complaint received 2019-06-12
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: LEXISNEXIS (AL)

I filed a dispute regarding the inaccurate bankruptcy records on my credit report. LexisNexis responded with a letter confirming they were unable to complete the reinvestigation within the required timeframe and as a result deleted bankruptcy XXXX. The original dispute involved both bankruptcies listed on my credit report and both should have been removed. My case was withdrawn and I did not go to court. I have submitted proof previously. Please reference the following FCRA requirement : ( d ) Information Required to be Disclosed ( 1 ) Title 11 information. Any consumer reporting agency that furnishes a consumer report that contains information regarding any case involving the consumer that arises under title 11, United States Code, shall include in the report an identification of the chapter of such title 11 under which such case arises if provided by the source of the information. If any case arising or filed under title 11, United States Code, is withdrawn by the consumer before a final judgment, the consumer reporting agency shall include in the report that such case or filing was withdrawn upon receipt of documentation certifying such withdrawal.

In accordance with your failure to complete the reinvestigation in the required timeframe both bankruptcies should be removed.
Consumer complaint received 2019-06-12
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: Contemporary Information Corp (AZ)

I requested my free annual credit report from CIC - Contemporary Information Corporation. I received 2 postage due envelopes from this company. 1 ) Why should I be paying for my free report via postage due when they make money off harvesting and selling my data? They should apply proper postage and not use these stall techniques to discourage consumers. 2 ) one envelope contained my report. The second envelope that was addressed to me at my home address contained the reports of another individual who I do not know and lives in another state.And they wanted me to pay postage on his information too? Their quality control and protection of his and my private information was not secure. I called the company to tell them of this problem. They didnt say much. I had to run the phone call. They didnt seem to care or have any interest in the situation of sharing someone else 's information with me or my complaint that they sent postage due. I offered them the report number of the unknown person and my report number. CIC told me to send the report back to them. 3 ) Why would I need to pay to send it back to protect this man 's private data. I have the recording of the call into them to prove they offered no solutions other than me paying to send it back. This is totally unacceptable. I am going to attach the 2 envelopes sent to me, postage due and the 2 cover sheets of the reports. I refuse to upload the other consumers private data beyond the front page for his identification, follow up as wel as verifiable proof of this horrific error that occured.
Consumer complaint received 2019-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

To whom it may concern : Please see information attached which shows I signed and agreed to a modification on XX/XX/XXXX. Due to unemployment until XX/XX/XXXX, per the attached agreement I informed XXXX of my Employment and on several occasions contacted the office to put my loan back in good standing as Promised.Instead I now have a higher interest rate and also added interest separated from my principal in the amount of over {$37000.00} since XXXX I have paid more interest, and I have interest which is waiting for me to pay the loan in full. My loan was paid up by XXXX XXXXXXXX XXXX until i got a Job. When I started back to work the loan was caught up. I have tried to correct this for over 4 years. I am reaching retirement with my mortgage, in a situation that I was promised that the loan would be Refinanced or modified by XXXX, however when I called they told me they had no authority to do what they promised. I feel the promise was just to get me to sign the paperwork.Speaking to Representative after Representative then Mortgage transferred to still getting no help. Phone call after phone call has caused me so much frustration, I do not think at XXXX  years of age I should have this battle, therefore I am really hoping to get this settled with help from CFPB. This is my second request for help, my property value is not increasing, and the home needs some repairs.I will be retiring in XXXX, and would like to do so in peace. I am providing the attached information. Regards, XXXX XXXX
Consumer complaint received 2023-03-23
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: EQUIFAX, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance {$37000.00}
Consumer complaint received 2019-06-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The Best Service Co.,Inc (CA)

On XX/XX/XXXX I received a letter from my employer stating my wages were being garnished from XXXX XXXX XXXX, I've had no prior notice of this action or account i called and spoke with XXXX XXXX who told me this was a debt from a XXXX XXXX cell phone account in XX/XX/XXXX. i asked him what i could do i don't remember owing a cell phone company XXXX XXXX any money. The total amount due that is being garnished out my wage is XXXX. I never was properly served or gave a chance to contest this account, I did not have any knowledge of court hearings or dates to be present so I can represent my self.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (PA)

you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX ( XXXX ) days of the completion of your re-investigation.
Consumer complaint received 2019-06-12
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (MA)

This company has called my father in NJ, my cell phone number, and now my wife on our home phone looking to collect on some other person 's debt. I have filed XXXX, AG and FTC complaints and a previous one here telling them to stop, yet it continues. I have been told it would stop, yet it continues. When they stopped calling my cell phone, they now called the home phone. This is the end of this. This XXXX XXXX  company needs to be put out of the public 's misery NOW and for good
Consumer complaint received 2019-03-17
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: Berlin-Wheeler, Inc. (Kansas) (KS)

I have texted called emailed over and over i settled with one that i made 5 payments of XXXX its paid for they say say i owe more i settled with it i payed anther one in full XXXX and i made police report on the others for idenity theft. Hospital one i gave them my insurance it is still in the credit bureau needs taking out..
Consumer complaint received 2023-04-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

This is my second complaint with same problem and another issue. When my spouse died in XXXX, I provided the necessary documents and I am approved by Fifth Third to be the Successor. In the year of XXXX I still don't have online access to pay the mortgage. I have made several unsuccessful attempts in the past. I current have to pay by mail or go to the branch to pay my mortgage. I have sent checks paying the mortgage for almost years and i'm still having problems that needs to be resolved. 
This year I have and overage on the mortgage. I received a check in deceased spouse name. On XX/XX/XXXX this year I went into the XXXX branch on XXXX XXXX to resolve the issue. She spoke to someone in the escrow department to reissue the check in my name. One week later I received another check in XXXX 's ( deceased ) name. After sending the second check back to them, I haven't received any correspondence. 
I should have online access to pay the mortgage as any other consumer.
Consumer complaint received 2020-09-16
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: CITIBANK, N.A. (TN)

There's an inquiry on my credit report from Citi Bank/XXXX  that I did not authorize. I have reached out to Citi/Bank XXXX  several times to resolve the issue and get the inquiry removed but they will not respond.
Consumer complaint received 2019-06-12
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. (FL)

In XX/XX/2013 I was notified that my social security number, drivers license and credit card information was compromised in a data breach. I notified the police and followed the security suggestion. I pulled my credit report a few weeks ago only to find out their are accounts on my credit report that does not belong to me.
Consumer complaint received 2019-06-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (NV)

Aspire student loans changed their reporting guidelines and didnt not notify their customer base. I kilt I work for XXXX and monitor my report daily. I was delinquent with my account but started repayment in XXXX of XXXX. Since then they have changed the payment status from on time, to late multiple times over the last year. Even though I am in repayment, they told me that the choose to report that the account is still in collections or over 120 days past due although I am making my payments. That is issue number one I have, my credit took a huge hit ( over 100 points ) because of them changing the payment status multiple times. I filed a dispute with three credit bureaus but the damage to my score has already taken place. I have made payments on time on an automatic payment plan though I am still being penalized while in repayment, that doesnt seem fair to me. Also, this company confirmed when I called in that they did not alert their borrowers of their changes in reporting so I fear there are thousands that have been negatively effected by their changes they kept secret. This needs to be addressed, they should be held responsible for not informing their clients of these updates. So two issues with this company, even though you are in repayment and current on those payments, they still report you in collections or over 120 days past due negatively effecting our credit and not providing a true representation of my credit behavior. And two, this company made reporting changes that effected their consumers credit reports and they failed to alert or notify anyone of these changes. If I wouldnt have called in and talked to over 5 people I wouldnt have know either.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently checked my credit report and I have seen 2 accounts that I was unaware of and did not authorize. I have never lived at those apartment complexes and I don't understand how someone was able to open these lease 's in my name
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Insta-Credit Auto Mart, Inc. dba InstaCredit Automart (IL)

I previously disputed a repossession on my credit but the results from XXXX were that the information was stated as accurate by InstaCredit Automart. Today I spoke with XXXX at InstaCredit and have documentation that I have XXXX XXXX balance and owe nothing for the repossession. InstaCredit Automart stated i need to dispute it with the credit bureaus but the credit bureaus states InstaCredit said its accurate but I have documentation from InstaCredit that proves otherwise.
Consumer complaint received 2020-09-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (NY)

Amsher Opened XX/XX/2020 {$620.00} Original creditor : XXXX XXXX XXXX. 
I JUST FIND OUT ABOUT THIS ACCOUNT IN my XXXX XXXX 
It appears as a accounts in collection, but i can find where this account come from. 
I thought XXXX XXXX, but its clear according to XXXX 
Pls help me find this account where it come from.
Consumer complaint received 2020-02-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (NY)

Dear Equifax Supervisor, ACCOUNT IN QUESTION XXXX This is my 11th attempt to contact you about this account listed ONLY on my Equifax credit report. Every time i contact you nothing is done and I am ignored. As a United states citizen, i have the right to dispute errors on my credit report that doesn't belong to me. When i keep disputing this account with ACTUAL PROOF your company ignores my requests. I have been sending proof that this account doesn't belong to me since 2018. 
I have WRITTEN proof attached below from the company stating that they do NOT have any account or ever had a account in my name. Since your breach my personal information was stolen, my precious information! I would think that your company would listen to the consumers since you breached our personal information. I would like you to REMOVE this false reporting account from my credit report. You have a hard copy proof attached that they account is NOT mine. I also want to state, every time i report this to you, my score drops over 20 points. This is unfair as i pay my bills on time and work very hard to keep a clean credit report. Please fix my account and remove this false statement from my credit report. I would hope a real person reads this and can sympathize with me. I do not want to have to write in again. 

Thank you, XXXX XXXX
Consumer complaint received 2020-09-16
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: FC HoldCo LLC (FL)

I had a car that was a total loss. I had XXXX XXXX insurance I cant get in contact with them. Flagship credit acceptance is saying I owe XXXX. They say they sent everything the police report over to XXXX XXXX   But I still have that balance. This made my credit score drop XXXX points. I spoke with someone at flagship they told me my account was closed XX/XX/2020.
Consumer complaint received 2019-03-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (GA)

XXXX XXXX transferred my mortgage XX/XX/2019, to Specialized loan Servicing on XX/XX/2019, : Sls '' send a one page demand letter, stating a payment of {$1100.00}? under the Real estate Settlement Procedures Act : it state a fifth teen day grace between the old company saying goodbye and the new company saying hello? also under the same Act it states a 60 day grace period from the day XXXX XXXX sold the loan to avoid a late fee? which " Sls '' in seven days applied XXXX mortgage of {$570.00} making it the above total? today of this letter is XX/XX/2019? as a XXXX  Veteran living on XXXX $ a month income SSI getting it the third Wensday of each month? for 34 years i made my payments, im currently due XX/XX/2019 mortgage waiting on SSI check XX/XX/2019 i will send {$570.00}, not much paperwork have i received from this Company and many scammers or out there? i will call them XX/XX/XXXX Monday to speak with someone, to see why they are less than 15 days of transfer requesting next month payment? also calling the VA dept to see whats going on i only have a couple of years to pay this house off, and as a Vet thats my goal! have a Bless day XXXX XXXX XXXX