davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-24
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: Experian Information Solutions Inc. (AZ)

I have made multiple attempts with Experian to fix incorrect information on my credit report regarding a closed credit card account. The account was re-dated in XX/XX/XXXX as  failure to pay after being paid off in XX/XX/XXXX. It's negatively affecting my credit score and every time I attempt to have Experian fix it, they come back less then a week later stating they have re-investigated and nothing changes. I feel that my rights under the Fair Credit Reporting Act have been violated by this incorrect account information and Experian 's unwillingness to correct the information.
Consumer complaint received 2018-02-25
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2015 {$110.00} - XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX transunion cra violation inaccurate information sent my police report what else do they want
Consumer complaint received 2023-02-10
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. (TX)

On XX/XX/22 I submitted a complaint through the CFPB about collection agency XXXX  XXXX because they failed to meet FDCPA requirements and never validated the account that is reporting on my credit report. Since then, XXXX and XXXX have removed the inaccurate account, but Equifax is still reporting this account without any method of validation. The collection agency could not provide a contract with my signature, a license to collect debt in my state, or history of the account hence why it was removed from XXXX and XXXX. Equifax is in violation of FCRA protocol by reporting inaccurate information on a consumer 's credit report. This account should be immediately removed from my credit report, or I will be seeking {$1000.00} per violation. I will attach the letter that was sent to XXXX XXXX in which they could not provide the required information. Equifax should follow suit immediately and remove this account from my credit report. Please see the response from XXXX XXXX attached and remove this account.
Consumer complaint received 2020-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Due to a host of reasons, I was forced to sale my car to ensure proper and timely payment on my mortgage. After providing the dealership with my title, I deposited the funds into my Bank of America checking account. Not surprisingly, funds were put on hold. It is what happened next that is alarming : 1 ) I received notice my account was closed due to submitting a fraudulent check 2 ) The check was from the dealership that purchased my car. This dealer also banks with Bank of America. 
3 ) While the check cleared the Autodealer 's account, BOA blocked and closed my account, giving me no access to much-needed funds to pay my mortgage 4 ) Worse, no one, to this date, can provide an answer as to why my account was closed. 
5 ) I provided certified letters from the dealership confirming payment. 
5 ) Even the branch manager ( XXXX XXXX /XXXX  ) can not figure out why my account was closed 6 ) I was told it would take 7 to 10 days to research the issue, which is unacceptable. 

It is unimaginable how BOA can simply shut down an account for no reason, blocking access to funds. I fully understand bank and fed hold policy, however, this situation far exceeded federal guidelines and worse, treated me like a criminal. Meanwhile, the auto dealership provided a certified letter confirming the funds had cleared their account. The inaction by BOA is simply unacceptable. Please help!
Consumer complaint received 2017-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Innovis (RI)

CBCINNOVIS CBCINNOVIS   XXXX   XXXX   XXXX   XXXX , PA  XXXX  Inquiry on  XXXX / XXXX / 17 . I   did not authorize this inquiry.
<P/>
This inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. ''
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK (PA)

My original complaint wasn't resolved or fully addressed. I did not receive 6 months of personal coaching. 

On XX/XX/XXXX, I purchased a " 6-month personal coaching package. '' XX/XX/XXXX was not the actual " start date '' of this program, and the coach claims that the end date is XX/XX/XXXX. Even if the official start date was XX/XX/XXXX, 6 months would be up on XX/XX/XXXX. On Friday, XX/XX/XXXX, XXXX texted me and advised that my program ended on XX/XX/XXXX. According to my computations, XX/XX/XXXX to XX/XX/XXXX does not add up to 6 months time. After being misled about this program, I only received one document identifying my baby step to work on dated XX/XX/XXXX. No other goals were formally documented and/or tracked. XXXX has no credentials, licensure, education, etc. that allow her to operate in the capacity that she attempts to. She gives erroneous medical recommendations, which are far beyond her scope of practice. Again, she doesnt have a medical degree to practice in this capacity. XXXX also attempts to act as a mental health practitioner, asking questions about childhood/background and making canned recommendations based on responses. XXXX is not a licensed counselor, social worker, or therapist and should not be acting in this capacity. The weekly XXXX  that XXXX was offering access to were not tailored to specific individuals and everyone in her program has access to these XXXX. However, the majority of the time, the XXXX  links dont work, and program participants cant get on. Not that the material shared in the XXXX  is anything unique or of particular value. Again, these are generic XXXX  ; not tailored to anyone specific. Lastly, to reiterate and recap, XXXX does not have any type of certifications whatsoever. She is unqualified to be operating under her current business model. She claims to be knowledgeable about various health conditions solely because she herself suffers from them. Its a ridiculous scam, operating under the guise of a program. Furthermore, it intentionally targets vulnerable populations, suffering from health conditions, which again, XXXX is unqualified to treat/diagnose/make recommendations for.
Consumer complaint received 2021-02-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I contacted Portfolio via email and by phone to structure a settlement of {$300.00} as I am poor and can not afford to pay {$630.00}. I have been unemployed since COVID, and that's been a year. Recently the winter storm prevented me from even doing XXXX  as it has been very difficult to drive.
Consumer complaint received 2019-10-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Hogan Capital II, LLC (MN)

I filed a complaint they respond and said they tired to work with me previously. I was not notified until my mother mentioned it to me that they were looking for payment in full on my car note. I still disagree with balance owing and need to set up payment arrangements. I am not comfortable setting up payment arrangements without a third party involved. I also did call to get payment history in XXXX never received until I got complaint back. also when I called in XXXX they stated that are additional fees being added. what additional fees and why? they stated that they tried to work with me and I did set up an arrangement a while ago but have not heard anything again until my mother mentioned it to me. therefore I do not agree that is trying work with me.
Consumer complaint received 2022-12-15
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. (NY)

I would like to request the suppression of these items from my credit report, which is the result of a fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Tesla, Inc. (CA)

Tesla XXXX XXXX is falsely reporting a loan on my credit report of over $ XXXX. I have never applied for or opened an account with Tesla. I entered into a monthly solar power buying agreement with XXXX XXXX, I did not obtain a loan or ever sign a loan agreement. 

This entry erroneously reflects a higher debt balance that lowers my ability to obtain more favorable credit rates. 

Other consumers have had this happen to them, XXXX XXXX XXXX
Consumer complaint received 2016-08-05
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XXXX XXXX, 2016 I sent a request for a Security Freeze that listed my name, social security number and date of birth along with my Drivers License, Social Security XXXX, Police report and proof of my address. Per the certified mailing receipt it was signed by TransUnion on XXXX XXXX, 2016. I have yet to receive any confirmation that the security freeze has been placed.
Consumer complaint received 2018-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc. (MS)

In XX/XX/2016 while I was stationed in XXXX XXXX, I received a debt collection notice via mail from XXXX XXXX XXXX in the amount of {$150000.00}. Ive never heard of the company so I did research and found they were a collection agency for a copy called XXXX as indicated on the debt collection notice. At this point I had no idea what either company was, why they insisted I owed them money or what the money they claimed I owed was for. I spoke with a representative from XXXX, XXXX XXXX which informed me that the collection was for 2 XXXX Franchise locations. I explained to him I had no know of either. He proceeded to tell me that my signature is on the franchise agreement documents. I told him thats not possible because Ive never signed any agreements. He then said that my signature was only on 1 franchise location versus 2 and removed 1 entry off of the credit reporting agencies. I requested a copy of the alleged signature and what I received had absolutely no match with my authentic signature. This is clearly a case of forgery and fraud! Ive submitted a copy of the police report to XXXX XXXX and was told that it did not matter the collection would still be reported. AWAs client has no validation of my signature. No picture ID card, nothing notarized not to mention I was 2 states away on a military installation when this alleged signature was signed. Both XXXX Franchise and AWA are in compliance with allowing fraudulent signatures to be used on their documents! They do no verify nor authenticate signatures prior to issuing {$150000.00} loan. They have pathetic business practices! They can not produce ANY documentation other than a fraudulent signature. No copy of photo ID no notary, just a forgery. This fraudulent account needs to be removed ASAP!
Consumer complaint received 2022-09-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc. (KS)

Received a call from someone claiming to be a collection agency. Phone number XXXX XXXX. They claimed I owed {$130.00} to XXXX XXXX XXXX. They had the correct spelling of my name and my address. They even had the correct dates I was in XXXX XXXX. Instead of paying them directly I contacted the XXXX XXXX. They informed me I owed no money as insurance had covered the treatment entirely. Obviously this was a scam call. The scary part is with the details they had somehow they had hacked into my medical records.
Consumer complaint received 2016-07-29
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

1 ) My son and I are XXXX, and XXXX generations of XXXX XXXX. We live at the same address. We have different birthdays. We have different Social Security numbers. This may seem obvious but not to credit reporting companies. XXXX got it right. XXXX and Transunion reported my IRS liens against my son. I went to the XXXX XXXX County Clerk, obtained County Clerk certified copies of the liens showing my SS # and asked both to delete the liens from my son 's credit report. They refused and continue to falsely report these liens against him. 
2 ) When my son was XXXX-still covered under my XXXX insurance he had an xray.. I presented XXXX Insurance information. The Dr. 's assistants said nothing, failed to claim the xray against XXXX coverage and filed a credit report against ( not me ) MY SON! Transunion and XXXX refuse to remove the charge against his credit. 
3 ) My son 's uncle died leaving a XXXX car subject to a note. XXXX Bank allowed us to assume the note. Immediately after his uncle 's death there were 2 late payments. When probate was completed and the car purchased and the note assumed, the 2 late payments were attributed to my son, who did not own the car when the late payments occurred. XXXX and Transunion refused to remove them from his credit report. XXXX rated my son at at XXXX. XXXX and Transunion rated him at XXXX and XXXX. Obviously these errors have had an enormous impact on his credit report, defeating his efforts to obtain a mortgage loan.
Consumer complaint received 2016-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HEARTLAND PAYMENT SYSTEMS INC (TX)

Loan processor is blocking my ability to pay them thru ACH unless I forfeit control of my bank account to them thru ACH. ACH can be initiated by the customer or lender. 
Since the loan processor has already made many errors on my loan account, I am not about to hand over control of ACH debits to them. I want to maintain control of ACH amounts & due dates. 

The loan processor messed up the amount and due date for my student loan. I still have not gotten them to agree that they made errors, and in the mean time they are claiming I am 15 days overdue & they are going to report me to a credit bureau. 

So I am forced to pay even before they fix their errors. AND they REFUSE to give me their bank routing # s so I can send payment electronically. They INSIST on them controlling the ACH withdrawls. Since they have already screwed up the amount, the due date and refuse to acknowledge their mistake, I am NOT about to hand over control of my bank account to them! I can send ACH payments while controlling the amount and date on my end, NOT them controlling when & how much they take. 
I want them to give me the relevant info so I can send ACH payment on my terms. I do NOT want to hand over control to them so they can take what they want & when they want. 

This should be a blatantly obvious right of customers to control what amount & when they send out of their own bank account. Loan processor refuses to give me that option unless I hand over all control of ACH to them!
Consumer complaint received 2019-07-11
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Student Loan Finance Corporation (MN)

I have three fraudulent student loans from Reunion Student Loan Finance Corporation XXXX XXXX XXXX XXXX XXXX SD XXXX, which bought the original loans from XXXX XXXX XXXX ( XXXX  ) on my credit report from XX/XX/2003. XXXX was closed due to fraud and they had a partnership with Minnesota XXXX XXXX XXXX, which also shut down due to fraud. The loan amounts are {$2800.00}, {$2800.00} and {$5000.00}. I have filed a police report and a report with the FTC. I have disputed the loans with all three credit bureaus, but only XXXX has removed them from my credit report. I want these loans removed from XXXX and XXXX immediately!
Consumer complaint received 2019-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NY)

I was charged {$26.00} by Experian on my XXXX XXXX card. I have a credit freeze on my accounts but never signed up for a fee-based services. I called the number listed for Experian on my XXXX XXXX bill which you can not speak with a Customer Service Rep. It is not an option. The company 's website doesnt allow you to cancel or dispute charges online.
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc (WA)

I opened up a checking account due to a sign up bonus Chime had offered. XXXX week after opening the checking account and receiving the debit card in mail, I got another email saying a credit card was shipped from Chime. I never applied for this card or even visited the application page. I talked to Chimes customer service regarding this matter, and they went ahead and closed my account but they are no longer communicating with me and have not provided an explanation on why the card was opened to begin with.
Consumer complaint received 2019-07-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (PA)

I applied for mortgage assistance with PHH my new company which really is still Ocwen just changed the name. I was turned down. While I am not asking for the loan for a modification per say. What I am asking for since I have a balloon payment due to them to pay off the entire mortgage on XX/XX/2020 I wanted the past due which when I asked was 3 months to be added to that balance so I can start paying form the next new month fresh which allows me to refinance and pay off my balloon and get a fresh start. 
There was no help offered. I want to stay in my home. I know that I have had modifications reticently but things have changed for me for the better so this is the best way to do this. And I want to do this before all the added costs of a sheriff sale start. 
But once again they offered no help.
Consumer complaint received 2018-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

Chase holds my loan on my home at XXXX XXXX XXXX XXXX XXXX CA XXXX and is forcing me to pay PMI on the home even though I owe significantly less than the 80 % loan to value on my hiome since I first purchased the home. I requested the PMI be removed and Chase required me to pay {$100.00} to have a BPO performed to reassess the value of the home. The BPO came back showing the home went up in value showing my loan to value was below 70 % and Chase sent me a letter refusing to remove the PMI from my mortgage. This is ridiculous I am very dissatisfied with what they are doing. There is no reason for me to be charged my home was appraised at {$440000.00} and I only owe {$310000.00} placing me at a 70.92 % loan to value. I want this removed immediately, I repainted and retiled among other things I did to the house and what Chase is doing is immoral and plain wrong. I spoke to XXXX in the PMI department and she tried to tell me I had to be below 75 % loan to value and when I showed her I clearly was she then said I didn't make improvements and when I stated I did she went on and on telling me they would not remove the PMI. This is wrong on so many levels
Consumer complaint received 2018-02-25
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. (FL)

on XX/XX/17 I wrote letters to all 3 credit bureaus to have them remove fraudulent items reporting against my credit report. I requested specific validation records be sent to me within 30 days which is my right by law as a consumer and all 3 companies failed to reply with any information at all. They completely ignored my request as these items have not been removed.
Consumer complaint received 2015-08-02
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Delbert Services (MN)

I had a loan with Western Sky / XXXX / Delbert Financial Services. These companies are currently under investigation by the CFPB as well as being sued by the Attorney General of my state ( MN ) as illegal loans. 

The original principal was repaid several times over, yet this company continues to sent me collection notices. 

I have stopped paying and blocked this company from being able to make automatic withdraws from my bank account. They have reported a delinquent status to XXXX credit reporting agency. 

I request to have documentation that states these loans are illegal, that I have paid the principal on the loan, and that XXXX should immediately delete this record or show paid in full. 

CFPB assistance greatly appreciated.