davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-10
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. (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 items 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, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX Balance {$21000.00} ; XXXX XXXX XXXX XXXX XXXX {$10000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX.
Consumer complaint received 2019-07-03
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: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

Rushmore Loan Management has placed a past due claim on my credit report. Ex husband, XXXX XXXX filed for bankruptcy in 2018 which the outstanding balance of {$25000.00} is already being accounted for in his bankruptcy. I have no involvement in that bankruptcy. Rushmore loan management has placed a claim in my credit report of a past due amount of {$25000.00}, the amount already accounted for in XXXX XXXX bankruptcy. I have informed Rushmore Loan Management of the bankruptcy and that this claim belongs to XXXX XXXX not on my credit report. Placing this claim on my credit report would be considered double dipping and unethical as its already part of an agreement. They have replied to my correspondence and confirmed that they will remove the claim as of date, it has not been removed. This claim is incorrect and should be removed from my credit.
Consumer complaint received 2019-07-03
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. (MN)

The only names on my credit report should be : XXXX XXXX XXXX XXXX XXXX XXXX TransUnion has all of the following incorrect names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: United Collection Bureau, Inc. (IN)

This collection agency attempted to collect, $ XXXX my personal bank account and XXXX & XXXX XXXX XXXX ( DBA ) account from XXXX XXXX XXXX They were able to withdraw from the account approximately., {$2000.00}, so far. Theses funds are exempt because The were my social security funds and security deposits from XXXX & XXXX XXXX XXXX. The security deposits funds belong to the tenants and XXXX XXXX XXXX XXXX XXXX is only the custodian of the Security deposits of each tenant. The name and address of the collection agency is United Collections Bureau IncXXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. I have written this agency twice with no written response. They did call in response and they did acknowledge that these funds were exempt but blamed XXXX XXXXXXXX for allowing them to seize/confiscate these funds.
Consumer complaint received 2019-10-10
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. (TN)

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. 
I have already contacted the FTC and local police to file a report. These items need to be deleted from my credit report. XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX and these inquiries are not mine either. 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
Consumer complaint received 2019-10-10
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Social Finance, Inc. (NY)

Hello, I recently applied for a Parent Plus Student Loan Refi through SoFi. I  am retired and therefore have no earned income at this time. I submitted my retirement savings for income verification and was denied. I was not offered the opportunity to have a co-signer or to verify additional income. 

My complaint is regarding sex discrimination. 

My husband applied for a personal loan through SoFi a week or two prior to my application. He too is retired and submitted our combined retirement account statements as income verification. He was approved, no questions, no need for co-signer, no additional documentation needed. 

I spoke to SoFi this morning and expressed my concern for how my loan was processed and they spoke with both my husband and I on this call. They did not have a good explanation of why they could use my retirement account to verify his income, however, they could not or would not do the same for my loan. 

I am very disappointed to have been treated unfairly and with bias toward being a woman. I appreciate you looking into this situation.
Consumer complaint received 2019-04-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I'm being reported to XXXX by bank of America, I opened an account at XXXX XXXX on XX/XX/XXXX and then today XX/XX/XXXX XXXX closed my acct due to something being reported on my XX/XX/XXXX report from bank of America. I closed my bank of America account back in XX/XX/XXXX and has XXXX bal. I explained everything to XXXX but they said since I'm reported on ews then they have to close my acct that they opened few days ago. I spoke to bank of America and they said it XXXX balance. I really need help with this issue.
Consumer complaint received 2019-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

capital one is not honoring their agreement to allow me to pay {$50.00} a month and have me enrolled into their special program. My current bill reflects a minimum payment of {$630.00} that is owned by XXXX there is no way I can pay it and they continue to affect my credit
Consumer complaint received 2021-11-30
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC. (MI)

There is a collection account on my reports with Midland Credit and they are reporting illegal information on my reports. I was under the impression that it is illegal for a collection agency to report payment history and inaccurate information. They are reporting payment history as well as a missed payment for the month of XXXX of this year which is inaccurate. I have contacted them about this matter and they have not responded to my letters trying to rectify this concern.
Consumer complaint received 2019-07-03
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: UHG, LLC (MO)

The company XXXX ( XXXX XXXX XXXX ) claiming to represent the new debt owners ( United Holding Group ) began calling in mid XXXX ( XX/XX/XXXX ) to collect on this debt which is originally from XXXX XXXX. I spoke with several individuals who were claiming to handle the case with XXXX. At first, I wanted to clear this debt and offered the amount of {$1800.00} which I was able to pay at the time. They refused that amount and said they could only take {$2000.00}, The original reported amount was {$3300.00}. Before I went a step further after they refused my amount, I realized that I had nothing in writing from either UHG or XXXX showing that they owned this debt or was representing the owner of the debt. Phone calls continued from XXXX after my last communication with them turned unprofessional from one of their agents. After doing some research on debt collection agencies and my rights, I spoke with them on XX/XX/XXXX requesting a Debt of Verification letter before I continued talking with them. The individual then proceeded to verbally harass me and claiming I was using a stall tactic and that I made bad choices in the past and needed to be accountable for my actions. XXXX even confirmed my current address to me and as of today XX/XX/XXXX, I've yet to receive any documentation from either company. On XX/XX/XXXX XXXX contacted my employer and spoke with my manager and was verbally abusive with her and requesting salary information and other personal details that are not related to this debt. My Manager would not provide any information and the individual who called became extremely upset and hung up the phone. I have received numerous phone calls from XXXX throughout the same day on my personal cell and at work. I now receive voicemails from someone new representing this debt and using scare tactic verbiage, claiming they have a case number with my local county courts and they are pending processing if I don't call them back. I will not answer these calls due to them being abusive in the past and still not providing proof of the debt and/or ownership.
Consumer complaint received 2019-07-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WA)

Two years ago when the Equifax data breach occurred I froze my credit with the three reporting agencies. After recent difficulty trying to obtain a loan I contacted Equifax. They directed me to send them a copy of my current drivers license, SSN, birthdate and address for the purpose of updating my personal information. My cover letter to the Equifax Dispute Dept. was dated XX/XX/2019. I received a confirmation letter back from Equifax with the wrong personal information on it!! I received a letter from XXXX   at the same time with the right info on it! I can no longer access the account that I created with XXXX  two years ago. I am denied access using my username and password that I created. Equifax now wants me to send them more information. Why would I do that when they could not get it right the first time?
Consumer complaint received 2023-03-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

It has come to attention that there are reports of fraudulent consumer reports being disseminated, containing invalid and incorrect information that violates an individual 's rights to privacy. Such reports may include sensitive and private information that has been inaccurately reported, misrepresented, or deliberately falsified, and which could potentially harm an individual 's reputation, financial standing, or other important aspects of their personal or professional life. This activity is in violation of various laws and codes that protect individuals ' rights to privacy, including but not limited to the Fair Credit Reporting Act ( FCRA ) and the General Data Protection Regulation ( GDPR ). Under these laws, individuals have the right to access and dispute inaccurate or incomplete information in their consumer reports, and consumer reporting agencies have a legal obligation to ensure the accuracy and privacy of such information. Therefore, any dissemination of fraudulent consumer reports that contain invalid and incorrect information is considered a serious offense and may result in legal action, including civil and criminal penalties. It is important to report any such activity to the appropriate authorities and take steps to protect one 's rights to privacy and personal information.
Consumer complaint received 2019-07-03
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Santander Consumer USA Holdings Inc. (GA)

In XXXX, Santander Consumer USA Inc. lost my payoff check, which per the policy of the bank I made the cashiers check from, I had to wait 90 days for the funds to be returned to my account so I could make another check. During those 90 days, I made two monthly payments to protect my credit : one payment of {$450.00} onXX/XX/2019 and another payment of {$450.00} on XX/XX/2019. During this time period, I was assured my new payoff check would be back dated and both of those payments would be returned to me, in addition to reimbursement for sending the replacement check. My new payoff check was sent on XX/XX/XXXX and received on XX/XX/XXXX. On XX/XX/XXXX, I received a call from the Executive Office of Santander telling me my title has been mailed to me and overages will be sent to me on XX/XX/XXXX. I was driving during this phone call, so I was unable to verify the amount of the overages, but I told the representative that it was not correct, and was less than the amount I paid. She assured me that I would be able to call back if I had more questions. I have called their only phone number many times and the number won't let me past the bot that asks for my account number or social security number. I have entered both and it says I don't have an account with Santander. I have still not received my car title and I have not received my overages either, so there is no reason for my account to not exist. I can not talk to any representative of Santander because of this. I have two emails of Santander Executive Office employees, and I have received no reply for my request to speak to anyone at Santander regarding this problem.
Consumer complaint received 2019-09-22
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. (FL)

Experian is reporting that I am still an authorized user. They have not updated the account in 90 days. I have not been on the account as an authorized user in more than 4 months. The account number is : XXXX
Consumer complaint received 2019-09-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I was trying to purchase tickets for a concert from a private buyer. She tried to use a different email first. Said there was problem with the payment going through so I should try to send it to a different email. I sent it to the different email. Both emails ended up being fake and I did not end up receiving the tickets as promised.
Consumer complaint received 2019-07-03
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (FL)

There were two issues that occurred with GM Financial. I have been in contact with a customer service representative on multiple occasions without being able to come to an agreement on this matter. To summarize, GM Financial arbitrarily changed the terms in my signed lease contract and increased the monthly payment more than what was agreed to, and subsequently did not notify me of the changes in payment terms. Please see below for more details. 

First, per the signed lease, I agreed to pay {$460.00} on XX/XX/XXXX, followed by 35 monthly payments of {$460.00} due by the XXXX of each month. GM Financial has been billing me over the agreed amount, {$460.00} since XX/XX/XXXX. Due to this, the balance of my account has been increasing by {$6.00} every month since XX/XX/XXXX. This is because I have been auto-paying the agreed to monthly payment of {$460.00}, while GM Financial has been charging me over the agreed to monthly payment. Please note I have not agreed to any changes in the terms. Since XX/XX/XXXX I have accumulated a {$32.00} on top of my monthly payment. This balance will continue to grow each month. Unfortunately, If I were to pay the increased payment and the back due balance, I would be put under financial stress. Additionally, this change would cost me a total of around {$160.00} more than what I expected to pay for my lease over the life of the lease. 

Second, GM Financial did not notify me that they were changing the terms or the monthly payment amount, resulting in my account balance going up due to the difference between my scheduled payments vs. the increased monthly payment. I found out about the change only when I went to update my mailing address on the customer portal ( GMFinancial.com ) on XX/XX/XXXX. Please note GM Financial changed the payment terms in XX/XX/XXXX. This has resulted in {$32.00} in underpayments according to GM Financial as of XX/XX/XXXX. Due to the arbitrary change in terms and payment amount, and the lack of communication of these changes, I would have to pay {$32.00} on top of my increased payment to balance my account. Had I not noticed that GM Financial had changed the terms until the end of the lease, I would have had to either dispute the balance or settle the account. This would have created a financial hardship. Had GM Financial notified me of the changes up front, I could have responded appropriately at that time.
Consumer complaint received 2019-07-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capital Accounts, LLC (IA)

Heard from this company for the very first time today on the phone. They hung up on me 4 times. They claim they sent me 2 notices that I have never received. They refused to send me anything in writing when I requested. Told me I shouldnt make my car payment, rent, or buy groceries to feed my daughter. Took 3 phone calls to get to the supervisor. Supervisor refused to allow me to speak, they also refused to tell me this was an attempt to collect a debt until after they got personal information. They have the wrong name, the wrong address, admitted to sending to wrong address, and wrong amount and wrong last date of payment on the account. They threatened to continue charging me interest and threatened to damage my credit.
Consumer complaint received 2017-01-03
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (WI)

XXXX XXXX XXXX. After having this high interest loan for XXXX years my life insurance canceled. A XXXX XXXX loan in which I still owe XXXX XXXX. A second mortgage
Consumer complaint received 2019-07-03
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc. (SC)

XX/XX/2019 CCS Collection there are collecting {$140.00} for XXXX XXXX   XXXX was supposed to give me service for my Internet.they never provided me with the service. 
I called the customer service and they said someone would come out and go inside my home and hook up the box up. 
I called back and spoke with one of the customer service and I told him no one ever came over. 
the customer service told me someone should be there To install the box. 
the text said I am supposed to install the box myself.I never receive service. Hi
Consumer complaint received 2019-07-03
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. (OH)

XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX - partial account number XXXX. ( Please see page 12 of the attached credit report. ) I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Consumer complaint received 2018-05-01
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: Experian Information Solutions Inc. (MO)

There's accounts on my report inwhich I have no knowledge of, however the credit agencies are constantly reporting information inwhich is not backed up by any type of physical documentation and if so still wasn't provided to me by either reporting agency. This is indirect opposition to the language of the FCRA, it clearly states that if you can not provide this information in physical form then you must STOP reporting it, XXXX, Experian and XXXX. And the account in question is XXXX XXXX XXXX and all Inquiries dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2022-07-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

1. Capital One Financial, XXXX, {$6600.00} 2. XXXX XXXX XXXX, XXXX, XXXX According to 15 USC 1681n ( a ) ( 1 ) any damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} I want XXXX XXXX per violation
Consumer complaint received 2023-03-20
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. (MA)

The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment on my credit report : exercising my consumer right to opt-out of having my transaction history or balance history information recorded on my credit report I am demanding that this account be updated to Paid as Agreed and Never Late. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX  enacted XXXX  Metro 2 COMPLIANCE regulations. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. Code 1681b - Permissible purposes of consumer reports. My transactions and my experiences are not supposed to be reported on my credit report.
Consumer complaint received 2019-07-03
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (WA)

I have been requesting the NOTE on this account they say I have for over 30 days. with no luck. I have already submitted a claim to the CFPB Complaint ID XXXX. 
You closed it without a resolution. Attached are the documents along with the deed to my home show that the XXXX  number XXXX in fact is correct and they can not provide any info on this. They will not do the research. And neither did you guys. I need the lien released so I can move forward.