davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-09
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)

Transunion still not reporting current information on my student loan. Example, on my report dated XX/XX/XXXX, it only reports to XX/XX/XXXX. XXXX XXXX Borrower, states they report to TU. Transunion blames XXXX XXXX. It isn't accurately reported, still.
Consumer complaint received 2022-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with Fair Credit Reporting Everything has to be 100 % accurate on my report The Credit Bureaus stated my account was properly investigated and verified. These INQUIRYS are fraudulently on my credit report. Please send me verification I authorized these : XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, This is ground for removal they violated my rights. 15 U.S.C.1681 section 604 A. Section 2 States a consumer reporting agency can not furnish an account without my written instructions. Also the Credit Bureaus took more 30 days to complete my investigations.
Consumer complaint received 2019-01-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (OR)

I had a XXXX 's credit card account for several years. In XX/XX/XXXX My wife and I divorced and as part of the settlement I paid off all credit card debt including XXXX 's. I did not use the card after that time. Because there was a XXXX balance on the account, I did not expect to receive any statements. In XX/XX/XXXX I was prompted to pull my credit report when a credit card I actively use sent me a notice they were lowering my limit. To my dismay, I discovered that XXXX  's as well as XXXX XXXX and XXXX XXXX all had balances on them and were 90 -120 days delinquent. I contacted all of these companies and discovered my ex-wife had conducted an account take over on all these accounts. She changed the address, phone number and email address to her contact information. All statements and attempts to collect debt were going directly to her. I had no knowledge of this activity until I pulled my credit report. What she had done was essentially use the cards and pay the min payment until they were maxed out and then stopped paying. I worked with XXXX   XXXX and XXXX XXXX who both determined it was fraud and reversed all negative credit reporting as well as remove the balance as a debt I owe. I have tried to the same with XXXX 's and they refuse to work with me. In fact they charged me almost {$200.00} for me to order statements I never received since the address on the account was not mine ( again, fraud ). I had to have those statements so I could itemize all disputed items. Every transaction was completed online and shipped to an address I never lived. I filled out the fraud dispute and sent them a picture of my DL as requested. In the meantime they continued to charge me late fees and charged off the credit card balance. What started off as a {$600.00} balance has ballooned to over {$1000.00} due to fees and the amount of money they charged me for statements. They will not honor my fraud claim. I can even prove with lease agreements that I did not live at the address everything was sent to. The email address attached to my account was my ex-wife 's name. Its very clear this is fraud. I'm a United States XXXX XXXX veteran who served XXXX XXXX in XXXX and XXXX in the XXXX XXXX  XXXX. XXXX  's unwillingness to recognize this as fraud, remove the debt and reverse the charge off and all late payments that are a result of this fraud are not only impacting my XXXX, but my ability to qualify for a VA loan so I can purchase a home of my own.
Consumer complaint received 2018-08-31
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 (CA)

Portfolio Recovery Associates claimed that I made a {$5.00} payment on 3 accounts of unverified credit card accounts to XXXX, XXXX   and XXXX credit reporting agencies. This caused the reaging of the accounts from XXXX to XXXX. I never made a {$5.00} payment to Portfolio recovery or any unverified creditor.
Consumer complaint received 2019-05-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Santander Consumer USA Holdings Inc. (AL)

I purchased a car from XXXX XXXX on XX/XX/XXXX. I chose a XXXX XXXX XXXX XXXX. We proceeded with the paperwork. My salesman got me an offer from a lender, Santander Consumer USA. I was to circle which option from the lender that I felt comfortable with, and sign the agreement ( which I did ). I chose {$1500.00} down, 60 months @ $ XXXX per month. I then proceeded to acquire auto insurance over the phone ( which I did ). After acquiring auto insurance ( and paying the 1st month premium ), The salesperson left the table. We proceeded to close the deal. The salesperson then told me and showed me an agreement that my monthly payment would be $ XXXX, down payment now changed to {$1900.00} and # of months changed from 60 to 72 months. I asked what happen to the $ XXXX per month and the other agreement options that i had first signed, he said he added a XXXX XXXX warranty of $ XXXX ( which I didnt ask for, and he added it without even discussing it with me ). I had him take it off, that brought it down to $ XXXX per month, still 72 months and {$1900.00} down. I then asked what happen to the $ XXXX, something else was taken off ; ( Im assuming that it was delivery fee, but the car was a trade-in, therefore it was not delivered so that fee was rake off ). I asked the salesperson what happen to the first agreement ( {$1500.00} down, 60 months @ $ XXXX per month ) The salesperson then left and came back and told me that the lender had changed its mind and now wanted {$1900.00} down ( previously {$1500.00} ), for 72 months ( previously 60 months ), at $ XXXX per month ( previously $ XXXX which is still about the same ). The changes came out to be an increase of over {$3400.00}. 
I reluctantly signed. Over the following weekend I got some advice that I might have been a victim of " iinterest markups '' scheme or " bait and switch '' scheme because I'm a female. I was told that I should submit a complaint to The Consumer Financial Protection Bureau but first try to rectify the issue with the dealership. I went to the dealership on Friday XX/XX/XXXX to try to resolve the matter but my resolution fell on deaf ears.
Consumer complaint received 2018-08-31
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (TX)

CFPB C/O JCPenny ( XXXX XXXX ), I lost my wallet last night and your IVR does not attend to the needs of a lost card option, or maybe lack thereof. It takes me XXXX to get to a live representative and that is far out of reach to get to a live agent. I dont even think you are XXXX compliant with the lack of input on your IVR. Even when I press o or the # sign it does not give me a live agent or if I bypass my last 4 numbers of my SSN it will hang me up, I am obligated to hear the whole recording of my balance and last transaction. This is horrendous especially since my card is lost and I need to freeze or cancel.
Consumer complaint received 2022-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX and Transunion will not send me a weekly credit report. There are many inquiries on both reports negatively impacting my credit score.
Consumer complaint received 2018-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (MD)

on XX/XX/XXXX became aware that PNC bank had not set up autopay for the {$7.00}. I was travelling, called in PNC spoke to account rep, who said it was taken care of. On XX/XX/XXXX I got notice that my credit score dropped from XXXX Excellent to ( depending on agency ) between XXXX to XXXX. I called in again, I spoke with a recovery manager, XXXX, who said he had updated the information for the credit bureaus, and listed it as a bank error and NOT my delinquency. I was told this process would take at least a full billing cycle to correct, and PNC would not provide me with a letter confirming the bank error and not my delinquency. XXXX said, credit bureaus would update faster than PNC being able to provide me with a letter acknowleding this bank error. 

This is absurd. I've never been late even 1x, nor ever deliquent. I use only 4-5 % credit. The amount now was {$27.00}. When I travel, my usage can be higher and I ALWAYS pay it down when I return and NEVER pay minimum payments. this is totally unacceptable. 
It is a bank error and I have to wait 30 days or longer to get this to update on the credit bureaus. I need to apply for a loan now not next month. I have filed disputes with them, XXXX and XXXX. why can a bank, acknowledging it was their error, be allowed to get away with affecting someone's credit this way and not fix it immediately? 

I called again, They put me through to XXXX in Escalation department ( XX/XX/XXXX ). Although everything is in the record, she had to research what was in the record ( not complicated stuff ) and promised a call back. I called again and the bank said she would call me by XX/XX/XXXX at XXXX. another absurdity. 

My loan interest rate will be significantly higher because of this error and their error is a major cost to me. they need to update IMMEDIATELY for their error and not have me wait.
Consumer complaint received 2022-07-08
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. (VA)

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX : {$1900.00} XXXX XXXX Balance : {$3800.00} XXXX XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$140.00} XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance XXXX {$210.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$920.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$210.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$210.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$1400.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$3500.00}
Consumer complaint received 2018-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

RE : Medical Collection Dispute File # XXXX dated XX/XX/XXXX Dear Sir/ Madam, I refer to TransUnion Credit Report File # XXXX dated XX/XX/XXXX specifically medical collections as follows ; Please note that the above medical collections are erroneous and should not exist. During the time collection was placed I have an active California XXXX ( XXXX ) Insurance Coverage from XXXX to the present and I should not be receiving these medical bills. See attached Medical Status Report from XXXX XXXX XXXX Eligibility Service dated XX/XX/XXXX, Case Number XXXX.
Consumer complaint received 2018-08-31
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. (CA)

XXXX XXXX continuously periodically keeps running my credit as if I'm applying for a auto loan with them. This has been going on since XX/XX/2017! I have not given them permission to do so. When contacted I got no answer, company denied.
Consumer complaint received 2022-07-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CT)

YOUR COMPLAINT Unfair mortgage modification complaint Against Mr. Cooper Mortgage XX/XX/2022 XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Against Mr. Cooper Mortgage XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Loan # XXXX This is an update of our complaint : Your office has requested to stay involved in this matter. 
TO WHOM IT MAY CONCERN.

As you requested that we give us updated on this case. As of now the sale date is the XXXX of XXXX. Mr. Cooper refused to grant us a modification, as was recommended by the court. The court ordered a modification on the loan. To enable us to safe our home. The court appointed a mediator. The court mediator did everything to have a workout. But the bank will not cooperate. The bank came up with a monthly payment of over XXXX XXXX  monthly. Knowing very well that is not practicable. The court mediator approved for us to go to the XXXX XXXX XXXX. We are now working with XXXX XXXX XXXX. They said that they will need 60 days to finish the process. Please see some of the correspondence with the XXXX XXXX. The bank now has refuse to give us the time to finish the process. They have refused to change the sale date. The sale date is the XXXX of XX/XX/2022. Please see the court information. We are appealing to your office to help us to appeal to the bank to allow the process with the XXXX XXXX to be completed. XXXX XXXX is the agency that is set up by the government to help people save their home. Our situation is urgent. We appeal for your office to help us. The bank has one goal in mind., That is to write off XXXX XXXX dollar in their tax return. They have compounded interest and other charges in the principal of the original loan amount. In hope that you will came to our resolution. 
Thanks, in anticipation. XXXX XXXX and XXXX XXXX..
Consumer complaint received 2022-07-25
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$460000.00} ; XXXX XXXX XXXX Balance Owed : {$470.00}
Consumer complaint received 2018-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AR)

SUBMITTED A COMPLAINT ON XX/XX/2018 COMPLAINT XXXX AND XXXX responded back and they sent over a bill with a incorrect address on the bill ... I XXXX XXXX never seen this address as it is listed on the bill from XXXX XXXX XXXX. the address listed on the bill is XXXX XXXX XXXX XXXX,, XXXX XXXX, ,XXXX XXXX   ar XXXX,, I have never lived at the alleged address,,, u can look at my credit file and that address is nit listed on my address with all three bureau,, this is not my account as that address is not assioated with this XXXX XXXX ... .please remove the account from my credit file,,, its it not valid to me XXXX XXXX , ,, never lived at that address.,,,, I have enclosed a copy of the bill that XXXX  XXXX as responded with,,, and that address is not XXXX XXXX ... .
Consumer complaint received 2018-08-31
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (TN)

In XXXX of 2017 My house burned. I had to have a public adjuster group assist in getting fair value. They took $ 30K of all monies. XXXX gave all monies to the mortgage company Looking at the Freedom Mortgage web I was given {$140000.00}. {$140000.00} - {$30000.00} = {$110000.00} Freedom Mortgage gave me $ 40K and said when done 50 % they would give more. How do I get 50 % done on $ 25 % of the monies. I fought for more. finally got it and completed 55 %. They gave me another $ 25 % and said I get the rest when 100 % done. I fought again How do I finish 100 % on 75 % of the monies. they finally gave me another $ XXXX and I am at 80 % complete. I have been fighting to get the remaining $ XXXX to finish rugs, doors, dining room floor and molding. They will not release it. My mortgage is only {$720.00} per month. In essence Freedom is holding 22 months of mortgage payments. The monies given to Freedom were about $ 40K above the actual mortgage and they did not even put the monies, that were technically mine in an interest bearing account. I take care of a homeless man and his XXXX XXXX XXXX son which also contributes to expensis All the above letters, inspections, and requests to Freedom Mortgage can be found on their web sites. I will supply anyone with the info to log in and see dates and times.
Consumer complaint received 2018-08-31
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Navient Solutions, LLC. (NJ)

XXXX XXXX FSA-ID Student Help Center Citrix XXXX Department of Education These are all the companies associated with this scam - which is essentially funneled through one company - XXXX aka XXXX. 

This all happened between XXXX EST to XXXX EST on Thursday, XX/XX/2018. 
The phone he called me from is : XXXX and the email he used to email me was : XXXX. 

The address signature and other info in his email is as such : Processing Dept Customer Service : XXXX Fax : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX He proceeded to direct me to : XXXX, claiming he was working with the Department of Education, telling me my loans were being converted from Navient to a company called XXXX. I have saved all the emails. 

He also apparently created an ID for me in the website : https : //fsaid.ed.gov and hacked his way into that as well. I called FSAID and they were absolutely no help when I told them that my identity had been stolen and I was a victim of fraud. They kept me on hold for 10 mins and never once apologized for what was going on. 

The other emails came from : XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX The guys supposed name is XXXX XXXX. He told me he was working the department of education and federal government under the Obama and Trump initiative to help lower student loan payments for people in debt. I did fill out a form on their website and he called me directly and that is when he proceeded to impersonate a government affiliated official. He asked me for my driver 's license number, my social security number, my debit card account number, home address, email, mobile and finally asked me to email him 3 pay stubs from my job which have the last 4 of my banking account number. 

He scammed me out of {$500.00} that I was saving to make an interest payment on my student loans. What kind of person hears your story and then capitalizes on your pain? I'm sick to my stomach about this and can't believe I fell prey to such an evil person. Be aware.
Consumer complaint received 2018-08-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Bond And Collection Associates, Inc. (PA)

XXXX of 2016 I started to receive letters telling me I'd face criminal prosecution if I didn't pay the debt in full. They followed that by calling me a piece of XXXX XXXX   and you're all alike. Since then they have sent threatening letters to my place of resident insinuating I would face legal ramification if I did't pay {$2000.00} immediately to them even though the courts instructed me to pay the state of Pennsylvania. I recently had an influx in my bills and am giving them XXXX per month from XXXX more letter. I was trying to be polite to give them a heads up so I wouldn't have to receive anymore threatening letters from them. Every time I receive a letter its signed with another name but in the same handwriting. I receive XXXX Benefits so I am on a fixed income and don't have the money to pay in full. They don't seem to care and I believe their modo is " We Collect No Matter What ''. Well after I just called to let them to let them know my bills went up so there forI would be making {$20.00} less a month on my payments. Prior to this they would call all night until I XXXX PM. I just want the letters to stop because in no way my judge said that payments will be to XXXX XXXX collection agency. I pay through the Pennsylvania EPay website instead because I simply won't pay this debt collector. I make the payments I can. I am trying to return the money I owe and looking for any kind of job now that I have a vehicle to use. I just want to be left alone by these people. they harass you at every turn, they use profain language, and scare tactics at all time. 
I thank you for your time looking into this I also have reciepts from all payments.
Consumer complaint received 2018-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OR)

My bankruptcy is showing as " Dismissed with XXXX  and Experian. 

My proof Attached Shows that my bankruptcy was DISCHARGED in 2012! 

This is my second complaint. 

If this is not fixed immediately I will go to the federal Court house and start excercising my right to Sue these credit Bureaus. 

I can not even get approved for a credit card through my bank because it is showing as an Open " dismissed '' bankruptcy