davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion does not allow me to check if there is a security freeze in place for my account. Their website has been displaying " Sorry, we're having trouble showing the status of your credit freeze right now '' for the past 2 years. I also have no way to lift the freeze from their website due to this error. 

Their support hours to check the status discriminates against pacific time folks. We should be able to lift the freeze on weekend evenings. 

I've asked customer service about this 10 months ago, but they were not able to tell me when the issue will be fixed.
Consumer complaint received 2021-12-12
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (NC)

On XX/XX/2021 we received a preapproval for a VA mortgage from Navy Federal Credit Union. We told them upfront that our primary source of income was our XXXX XXXX Yet they did not request our XXXX until XX/XX/2021. XXXX XXXX and XXXX requested our XXXX immediately. Because of Navy 's incompetence, we had given due diligence of {$1000.00} on XX/XX/XXXX, and {$550.00} for the appraisal, all for nothing. This whole process was one long nightmare. Our credit was denied on XX/XX/XXXX due to the income to debt ratio that could have been established in the first days after our preapproval. We wasted over 3 months and lost the chance at finding a home. Additionally, Navy largely ignored us for long periods of time when we requested information, and we were not informed in a timely manner that documents were requested. Our real estate agent said her company doesn't like to deal with Navy Federal Credit Union because of their long delays and ineptitude. We repeatedly tried to get Navy to provide our real estate agent with forwarded messages, but this was rarely done unless we complained enough times. After repeated requests from us to send us the appraisal, because the owners were about to terminate the purchase, Navy did so only after we fired Navy 's financial officer and repeatedly tried to contact their supervisor.
Consumer complaint received 2021-08-25
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: Experian Information Solutions Inc. (MI)

Please remove these inaccurate inquires I have contacted the creditors & the bureaus reporting this info. I have provided documentation stated I did make these hard inquiries after this period of time please remove these inaccurate inquires
Consumer complaint received 2021-08-25
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: EQUIFAX, INC. (MI)

Please remove these inaccurate inquires I have contacted the creditors & the bureaus reporting this info. I have provided documentation stated I did make these hard inquiries after this period of time please remove these inaccurate inquires
Consumer complaint received 2021-12-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (CA)

Earlier in 2021 we purchased a new XXXX XXXX. Along with that purchase we added an extended maintenance plan. Within a few days of purchasing the vehicle the finance manager - XXXX XXXX gave us a discount in order to have us keep the plan. That changed the monthly payment from {$510.00} to {$500.00}. That amount was never reflected in the online account we use to pay the monthly car payment. We have NEVER been late or missed a payment. What American Honda Finance did was open a new account that reflected the $ XXXX monthly payment but we did not know this. We kept calling them because we expected to see the new monthly payment amount listed in our billing. It was not. Still to this day has not been. And what American Honda Finance did was to flag our account as a charge off because they have a second account that they think we have not paid on. We contacted American Honda Finance because we noticed the charge off on our credit report on XX/XX/XXXX. We contacted them and they stated they would get this cleared up. I tried to log into the new account that they told us on the phone that they would merge/clear up but no data on the loan amount or new monthly billing of {$500.00} ever showed up. American Honda Finance gave us a letter stating we are NOT at fault and yet on XX/XX/XXXX they flagged it as a charge off again. This is intolerable. We are being impacted quite negatively for their incompetence and inability to update a simply backend accounting function. I can only hope these folks do not try to repossess the vehicle even though we've NEVER missed a single payment.
Consumer complaint received 2021-12-13
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXL XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-12-12
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: EQUIFAX, INC. (MO)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2021-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TN)

I have been contact the corporate office as well as sending a email to CEO regarding late payments during pandemic. I have always had excellent until I lost my job. Here is the letter I sent and received no response. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Citibank Double Cash Card XXXX XXXX XXXX, XXXX XXXX XXXX, Citibank XXXX XXXX., Mail Room, XXXX, XXXX XXXX XXXX XXXX XXXX ( Old XXXX ), XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Account # : XXXX To XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I have been customer since XXXX and during that time, I have enjoyed my experience with Citibank greatly XXXX I am writing to see if you would be willing to make a goodwill adjustment to my credit reporting to the three credit agencies. I have a late payment on the above referenced account from XX/XX/XXXX and XX/XX/XXXX. 
My Citibank credit card has been closed down but I continue to make my monthly payments to keep positive payment history and to one day open another account if possible. I went over my limit during the pandemic which caused account closure. Because of my previously exceptional past payment history, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was in the process of obtaining gainful employment after the pandemic. I say that not to justify why the payment was late, but rather to show that the late payment is not a good indicator of my actual credit worthiness. I hope that you are willing to work with me on erasing this mark from my credit reports. 
I have been a very happy customer in the past and hope to continue a long relationship with Citibank. With todays credit industry being so competitive, I know how important it is to maintain good relationships with customers. Citibank has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why Citibank is head and shoulders above the rest. I look forward to your reply..
Consumer complaint received 2021-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (FL)

XX/XX/2021 a collection was placed in my credit account I have disputed the same account before and it has been removed they have acquired the purchase of my Debt from another debt collector I have disputed this again to be removed I do not all this amount I do not have XXXX XXXX XXXX I even called them and they told me that that account doesnt exist to get this removed from my account from the previous time
Consumer complaint received 2022-09-27
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take into consideration this complaint I am writing to inform you that your information is inaccurate. I do not recall having bankruptcies on the dates you are reporting and there are blank fields making your information incomplete as well. Additionally, this is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved and then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove them immediately. 

XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX, XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX
Consumer complaint received 2019-10-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (CA)

We were doing a loan modification with Freedom Mortgage we our first payment in the middle of XXXX for XXXX because our trial payment started in XXXX we made all our payments from XXXX to XXXX. Ever time we made a payment we called and made for sure they got the payment they verified they got the payment ever single payment in XXXX they sent us the paperwork to sign because they approved the loan modification and they even sent a notary to our home so we could sign the paper with there company for modification aproval in XXXX we they got there last payment for the trial period we received a denial letter they did not get there payments but we have proof every we made a payment we called them. Ever time we made a payment we called and made for sure they received and they acknowledged that they received the payments with every phone call.
Consumer complaint received 2019-08-06
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc. (NY)

I was contact by way of a bill from the IRS stating that I owed approximately four thousand dollars. I Then contacted via a phone call to inform them that this must be a mistake, and was told that a 1099C form was filed by a company by the name AmeriCredit to which I have not heard of before, my research lead me to GM Financial, I then contacted them by phone to inquire about this account and made it clear that I was unaware of this account existence, I was then told by the GM rep I need to file a fraud report and wait for them to investigate, but never received the documents for their internal investigation. After waiting a month, I then sent my own letter to GM Financial/AmeriCredit, which was received on XX/XX/2019, XXXX XXXX Delivered, Front Desk/Reception/Mail Room XXXX XXXX, TX XXXX. In this letter I informed GM Financial that they had filed a 1099 C with the IRS in error and that they should contact the IRS to resend that the 1099C they filed or provide me with evidence that the information was not filed in error. As I explained to Gm in my written statement, I was on aware of this account and that the following documents, should be provided. A contract with my signature that created this transaction, and agreement made between myself and GM or any of its subsidiary to settle this alleged forgiven debt, payments history of the alleged account, and a copy of the 1099C form that was filed with the IRS.

I am reaching out to the Consumer Financial Protection Bureau because my request for these documents to prove to the IRS whos coming after me for this supposed forgiven debt has gone unanswered by GM financial.
Consumer complaint received 2022-07-05
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)

On my credit report is an item from XXXX XXXX XXXX and XXXX XXXX XXXX. In both of these instances I have spoken with the agency and both have assured me they have reached out on my behalf to clear these items from my report. I have disputed these items as well as letting the credit bureaus know that I have reached out. The bureaus continue to come back with these on my report despite the fact the both XXXX XXXX and XXXX XXXX have assured me that they put in the forms to have these removed. This is an unethical practice and needs to be fixed.
Consumer complaint received 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

XXXX is It's not updating my credit reports activity I have restoutlined numberestart to the XXXX XXXX XXXX  and maybe fuse to correct the mistakes which is making it hard for me to establish credit and to get the assistance that is needed during these rough times I have no other option button reach out to the consumer protection bureau and hopes that they can reach out to XXXX to correct this so that way I may be able to able to sufficiently provide for my family and my family and retrieve the help that is so desperate needed at this time
Consumer complaint received 2020-11-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TCF NATIONAL BANK (CA)

I recevied a letter dated XX/XX/2020 from TCF Bank referencing a loan I never took out. They state payment was due on XX/XX/2020 but don't include the amount due. Just a " $ '' When I called the # on the letter it was for a TCF Bank collections department. I did not wait to speak to a representative because this appears to be a scam.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (PA)

After an ongoing battle with this company, I decided to settle and paid the payoff amount in full. Everything went fine and they reported That the account has been settled with a XXXX balance and the account was closed, but then the following month they reported that the account was back open and delinquent again with a full balance as if I never paid anything. There is no doubt in my mind that this was retaliatory because of our history. When I called them to find out why They change the status they could not give me a straight answer. I have documentation stating that I paid it off in full and also have the title.
Consumer complaint received 2022-03-27
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. (TX)

In accordance with the Fair Credit Reporting act XXXX. XXXX, XXXX Account : XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account : XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  XXXX  Account : XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account : XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account : XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-12-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NH)

Have been receiving daily calls from Portfolio Recovery for months. The calls are always from a different number from various locations throughout the country. I have no debt, nothing on my credit report, and have received no letters from legit debt collection agencies. This is a scam and they are harassing me.
Consumer complaint received 2018-07-08
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: EQUIFAX, INC. (TX)

My name is XXXX XXXX. I have been dealing with some fraud activity on my credit. I have been working closely with all three bureaus. Someohow in the shuffle Equifax has made my file i accessible to me. In addition to this they have merged my file with someone elses. When I call to get assistance they only tell me that they see my file and nothing is wrong. When I try to see my file it tells me that I am someone else. I have spent numerous hours on the phone with them trying to get this straightened out and I hit a brick wall. I need help to get my accurate file back!!! This is ruining me and causing so much stress.
Consumer complaint received 2021-12-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a US Veteran XXXX XXXX in XXXX. I was assigned after my deployment to XXXX during the war against terrorism in XXXX. During my task I was injured in the Island during my work as a XXXX subcontractor. I had to go to the XXXX XXXX to the work incident. 
Never received a letter or any notification as I remembered that the XXXX was a ware that I was under the XXXX medical. 
My credit score was always above XXXX. Last week my credit score went down to XXXX. I am small business owner and just this week my bank credit line got cancelled. 

I am not at falt and I was never aware of this problem tell my credit score went dow to XXXX last week. I did sent a request to Transunion on XX/XX/XXXX and did contacted the other agency.
Consumer complaint received 2021-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (GA)

I have reached out to XXXX XXXX and Equifax in XXXX and XXXX to get a copy of my credit report and File. Neither companies have responded and I have sent both personal documents to verify my identity. My information was involved in Equifax data breach and I am trying to exercise my rights as a consumer to take the necessary steps to protect my identity.
Consumer complaint received 2021-12-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The three reporting agencies ( XXXX, XXXX and trans union have reporting a bankruptcy in error. They are you a company ( XXXX XXXX ) to verify the information thru public records. This is against the verification rules. Public records can not be verified or checked for errors. The US bankruptcy courts provided me with a letter stating they do not verify nor provide any information regarding court proceedings. Therefore the agencies can't properly verify the information in credit report. By doing so the are violating federal law and XXXX rules.
Consumer complaint received 2022-07-05
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. (NC)

I have reached out to TransUnion numerous times about this issue I was talked to very rudely and i told to take these steps a second time by a supervisor within the company I have been a victim of fraud someone has been trying to open up accounts with my information I have listed the ideas below please help me resolve this issue once and for all : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CO)

I had XXXX XXXX but i paid for everything i owed and when i switched insurance companies I paid the remaining balance. However, I just pulled my credit and noticed that i have a collection on my report. I have tried to get this removed because i don't owe them anything since I've paid my bill with them. I haven't received a bill from them in detail either. Please assist me in getting this removed from my report. I've tried challenging the collection with the credit bureaus but haven't had the results i hoped for. Thanks