davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX has the following incorrect addresses and names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX  has the following incorrect address : XXXXXXXX XXXX   XXXX XXXX XXXX, VA XXXX Transunion has the following incorrect addresses and names : XXXX XXXXXXXX XXXXXXXX XXXX  XXXX, VA XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX I have asked XXXX, XXXX  and Transunion numerous times to update my correct information because I do not reside at these addresses and these names do not belong to me. My requests continously are ignored. I want this incorrect inormation deleted immediately.
Consumer complaint received 2022-09-01
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: JPMORGAN CHASE & CO. (NJ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$6600.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (AZ)

After being struck by another driver that ran a red light on XX/XX/2019, our financed vehicle was deemed undrivable and towed to an impound lot. 
The other party in the accident was at fault, but her insurance company took a long time to accept the claim ( finally accepting responsibility and agreeing to pay off our auto loan, plus additional compensation on XX/XX/2019 ). 
Meanwhile our car sat in an impound lot and the towing company, seeking to be paid, attempted to file a lien on the vehicle without contacting us. 
Hyundai Motor Finance, with whom we have a $ XXXX loan on the vehicle and to whom we have continued to make payments timely and in full, received notice of the lien. They then determined that the damaged vehicle was worthless, and declared it abandoned and placed our loan in charge off status again without contacting us. 
Until XX/XX/2019, we had no knowledge of the attempted lien or negative credit reporting. If we had known, we would have simply paid the towing company and/or Hyundai Motor Finance and sought recovery through insurance once the claim was accepted. 
We spoke with Hyundai Motor Finance ( XXXX ) on XX/XX/2019 and were informed that once they receive payment from the insurance company they will contact the credit reporting agencies to have that charge off removed from our record. Although they acknowledged the credit reporting needed to be corrected and that we have always paid in full on time ( the loan was never delinquent and is not currently in charge-off condition ), they will make no effort to correct this until they have been paid in full. We offered to pay in full to speed up the correction process, but they advised us to allow the insurance company to complete the payoff process that is already underway. 
Unfortunately, we are currently in the process of obtaining a mortgage ( primary residence ) and this negative and erroneous credit reporting could interfere in our ability to obtain that financing. 
We respectfully request your assistance in encouraging ( if not enforcing ) prompt and accurate credit reporting by Hyundai Motor Finance in this matter. If this is not remedied swiftly, it could have significant implications for our personal financial situation that are unjust and unwarranted.
Consumer complaint received 2022-08-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

sent out my a letter XX/XX/XXXX to XXXX, Transunion, and XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making sense. 


According to the law 15 U.S. 1681- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2019-04-12
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: Experian Information Solutions Inc. (CA)

We state for the record to Experian, XXXX, & XXXX of the alleged accounts : That I did not sign any instruments pertaining to those accounts listed above either as maker or endorser with wet ink signature. That the signature of any documents annexed to the accounts listed on the FTC report is not my wet signature on behalf of XXXX XXXX XXXX ( assumed business name ) but is instead is a forgery made without my full disclosure, knowledge and my approval.
Consumer complaint received 2020-09-24
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: GREAT WESTERN BANCORP, INC. (NE)

XXXX XXXX  is reporting XXXX XXXX listings closed as of XX/XX/2010. Under the FCRA, these should no longer be reporting as they are over 7 years old from date of last activity. Great Western Bank is now the owner of these accounts
Consumer complaint received 2019-06-13
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. (CA)

The following multiple entries on student loans were reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA.. Credit Bureaus could not even give me concrete explanation as to why thy wont delete it.. Please step up CFPB and delete XXXX   XXXX, XXXX XXXX, XXXX/XXXX XXXX
Consumer complaint received 2023-04-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (FL)

On Saturday, XX/XX/XXXX at approximately XXXX I received a telephone call from a debt collector who identified themselves as Cedar Business Services , XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX, alleging that I owed {$420.00} from XX/XX/XXXX for a XXXX  purchase. 

I telephoned XXXX, with the agent from Cedar Business Services ( hereafter referred to as Cedar ) conferenced on the line. The XXXX agent went over the order number in question ( Order # XXXX ) and explained to the agent that the item ordered had been cancelled. At which point the agent informed me that she would pass the information over to her 'account team ' for 'verification. ' I then received a letter from the agent, XXXX, at Cedar telling me that because it was coded as a 'bad debt writeoff ' ( it is obvious that my cancelled order was incorrectly coded by XXXX XXXX, the loan provider ) I therefore owed the amount in question. Despite the order having been canceled and no item received. 

It is seems rather obvious that XXXX XXXX must have incorrectly coded the return and the sold off my account, along with other 'bad debt ' to this collection agency. Now they are attempting to collect a non-existent debt even after having been told that the item/order in question was cancelled. 

Pursuant to FDCPA 807, 2 ( a ) they are in violation by attempting to collect a debt which they have been informed, from the originator, was not correct. 

Your help would be greatly appreciated.
Consumer complaint received 2018-06-17
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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (NC)

I requested validation of CHASE mortgage account on credit report. I recieved correspondence back stating they were unable to validate due to the account being apart of bankruptcy and would violate privacy laws. I requested them to remove, on 4 occasions, they refused. Please remove as it is affecting my ability to obtain new credit
Consumer complaint received 2020-09-24
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: Bread Financial Holdings, Inc. (IL)

This account was opened years ago and settled in XX/XX/2020. The account is still listed on my credit and when I dispute for removal they add more incorrect balance, date and payment information to the remarks. This same company removed the other account I paid off. This one is effecting me getting a home for incorrect information. Please help
Consumer complaint received 2023-08-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (LA)

I just paid a lump sum all at once in XXXX and I ran back into the same problem. I want to appeal my forbearance rejection and whatever I can do to stop this foreclosure process just for XXXX  months and I will catch up. But I lost my wife that's what made it hard for me.
Consumer complaint received 2023-03-31
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXXXXXX XXXX XXXX Balance : {$380.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$380.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance XXXX {$160.00} ; Child Support Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2017-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

My loan was recently sold to another co mpany ( LoanCare ) an d I was surprised to learn they are bumping up my loan by about $  XXXX /month.   They are telling me they have the right to charge a 6 % cushion to cover taxes and insurance. My taxes and insurance have gone up and I realize I need to pay that. How do they have the right to charge an ADDITIONAL 6 % cushion on top of that increase?   I have several home loans and this is the only company that does this. They know what my insurance and taxes are ( at least the the other companies I deal with seem to ) I have been trying for several weeks to get them to let me escrow it myself which I was told by them over the phone would not be a problem. However, they are not responding and are charging me late fees for not paying the ADDITIONAL monies they want.      XXXX   XXXX   XXXX , TX
Consumer complaint received 2016-01-12
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Specialized Loan Servicing XXXX company owes me {$3000.00} money they held in a suspense account and never payed me back after close of escrow per XXXX XXXX at XXXX XXXX.
Consumer complaint received 2022-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My name is XXXX XXXX, and I am sending this request again to address the inaccuracies on my Credit Reports. I received a letter from CFPB on XX/XX/XXXX, that you closed my complaint to protect my PRIVACY. I called TransUnion, XXXX and XXXX after I purchased a credit report from XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX, STATE OF MD/XXXX  ( Original Creditor : 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 XXXX XXXX XXXX XXXX XXXX XXXX  ; on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud items on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent items and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. A copy of my Driver 's License, Proof of Address and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by TransUnion, XXXX and XXXX not blocking these accounts is inadvertently resulting in me being extorted.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (SC)

I have a collection on my credit reports from a collection agency called XXXX XXXX XXXX. I have no knowledge of this debt. The company lists XXXX XXXX as the original creditor. I have never had Services with XXXX.
Consumer complaint received 2018-06-17
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: BBVA FINANCIAL CORPORATION (CA)

Involves online purchase of tickets to a concert. Purchase made on XX/XX/XXXX for {$250.00} from ticketstoday, com for XXXX XXXX and XXXX XXXX for XX/XX/XXXX. On XX/XX/XXXX I checked the website and noted the concert had dropped XXXX XXXX. The ticketstoday website said it was no longer selling tickets and could not be reached - all ticket sales were now through the XXXX XXXX ticket office. Their ticket office declined to discuss a sale they did not make. 
I called the credit card issuer BBVA Compass Bank to open a dispute on XX/XX/XXXX but was told the bank 's policy was not to allow disputes later than 60 days after a transaction posts. I told them this violates Federal law since that law allows disputes for 60 days after a transaction appears on a statement which in this case was XX/XX/XXXX.
Consumer complaint received 2016-10-31
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: BMW Financial Services NA, LLC (NJ)

BMW Financial Services, XXXX refinance department told me that they would refinance my balloon payment that is now due with them as long as I had a cosigner. I have a cosigner that was more than qualified credit-wise and employment wise and XXXX is still saying that this is not enough. He made a discriminatory comment about my relationship status and questioned my relationship to the cosigner. Prior to today, he told me that he would approve the refinancing of my balloon payment on this same vehicle with a cosigner. At no time did he put a stipulation on the relationship of the cosigner by saying like he did today that we had to have " lived in the same household '' at some point. Then, he proceeds to say that it probably will not be approved because of the " relationship status '' but he would note the account. I am wondering at this point what is he noting on my account? 
I purchased this vehicle brand new XX/XX/2011 at no time was my race an issue as it seems to be now. I make the same money, in fact more money than I did when I purchased the vehicle and owe over XXXX less now than what I purchased it for XX/XX/2011. I have never experienced such blatant discriminatory and rude comments and unprofessional treatment from any BMW representative as I have while attempting to keep my vehicle. XXXX XXXX shared with me what I needed to do to refinance this balloon payment on my vehicle and I have more than done so by having the income and a more than qualified cosigner contact the refinance department. XXXX is the representative that I have spoken with about the refinancing of my vehicle XXXX is the one that has taken our applications, and is the one saying that it will probably not be approved before he even finished taking the application over the phone.
Consumer complaint received 2023-03-31
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-08-17
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: Experian Information Solutions Inc. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I just understand how my scores went from 840s to the 770s with NO ACTIVITY on my reports??????? I have attached all 3 scores and the only Debt I have in my credit report should only be my XXXX  loan. XXXX XXXXXXXX range balance. I am very clueless and I need an explanation from each of the Creditors.