davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN HONDA FINANCE CORP (FL)

AMERICAN HONDA FINAN, XXXX Honda Financial Services ACCOUNT XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, California XXXX To Whom it May Concern : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask AMERICAN HONDA FINAN, XXXX Honda Financial Services XXXX XXXX XXXX, XXXX, California XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commissions police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission XXXX XXXX XXXX XXXX  or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX XXXX XX/XX/1981 ss # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX fl XXXX
Consumer complaint received 2020-11-30
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. (MD)

Dear CFPB It has been over a year now that i had i notice a collection account wrongly reporting on my consumer report. I disputed the account as been inaccurate. XXXX, XXXX  and XXXX deleted the collection account because they had investigated and found out this above named collection account has been reporting inaccurately on my credit. Transunion on the other hand kept telling me that that same account was verified as been accurate. I then noticed that the personal identifiers linked with the account were not mine so i sent a new dispute out to Transunion requesting investigation and deletion of those erroneous personal identifiers. TransUnion has investigated and deleted those identifiers but has kept that collection account on my credit report. i had sent out a letter to Transunion demanding that they provide me with they process of ensuring accuracy of the above mentioned account. Please review the attached copy as you will find out that Transunion has not provided me with a process of ensuring the accuracy of the collection account and has not even properly investigated the account otherwise they would have found out that this account is reporting inaccurately and delete it just as every other credit reporting bureau did.
Consumer complaint received 2018-04-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

Ever since NAVIENT took over the student loans for the government they have increased the interest, payments, amount charged, and total amount of the loans. It's for my daughter and the loans were signed by my father as he has helped all of his grandchildren go to college.
Consumer complaint received 2018-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Bank of America Wire Transfer Dept ( XXXX ) XXXX XXXX the representative would not fully identify herself I was wired {$270.00} in US dollars to be received from XXXX {$400.00} XXXX and the bank stole money depositing only {$260.00} then taking another {$15.00} and refusing to return the money. They was informed that the {$270.00} was supposed to be in my account as that is what was sent to me and showed they do not care, they was taking my money unauthorized without notice, warning and consent. The bank representative XXXX said this is what they was going to do. Refused to give me her full name and when I said I wanted to make a formal complaint she refused.
Consumer complaint received 2022-12-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

My mortage was transferred from XXXX XXXX to SLS effective XX/XX/XXXX. During this time tax statements were being printed. I paid my taxes directly to the taxing authority and uploaded documents to the new servicer, SLS same day while on the phone speaking to a representative. The representative confirmed receipt of the documents and the system was updated to pay the XXXX  and XXXX  taxes the following year. When I logged into my account today the same taxes I paid on XX/XX/XXXX show paid again although the system was updated not to pay until the following year and a esrow analysis was completed with raised my mortage to were I will not be able to keep my home.
Consumer complaint received 2020-10-22
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: EQUIFAX, INC. (CA)

On XXXX of 2018, I informed the finance company ; XXXX XXXX that I was refinancing my home and that they would pay off the remaining balance of the vehicle. In XXXX, XXXX finally responded and sent me the wrong payoff balance for the XXXX XXXX. The title company tried repeatedly to get the correct balance to no avail. Finally, I XXXX, the title company sent me a hard paper check in the wrong payoff amount to which i sent to XXXX XXXX, since the amount was wrong, I still owed a small balance and I paid that off in XXXX. In the meantime, XXXX marked me late 30 days for the month of XXXX, reported the late to the credit bureaus, then marked the account paid in full in XXXX!
Consumer complaint received 2018-04-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (VA)

You respond on XX/XX/XXXX that We did not receive a forbearance request from you to postpone payments due after XX/XX/XXXX. Please then explain the long laundry list of correspondence below regarding the XX/XX/XXXXforbearance request requesting a forbearance for one year. Please check your records again and correctly apply the XX/XX/XXXX forbearance as requested. If you find you have misplaced the forbearance request, as well as the long train of correspondence noted below regarding same, let me know what you need and I will forward said paperwork yet again. On a related note, I find it interesting that you claim you can not forward copies of my deferment and forbearance applications as requested for proprietary reasons could that be, perhaps, because you have lost track of them? In addition to letting me know what paperwork you need me to resend, please explain in more detail why you can not send this proprietary information and why it is proprietary. Once you have applied the XX/XX/XXXX forbearance as requested I will be focusing on all of the other requests and questions you have not answered over the last four years.

XX/XX/XXXX : fax with receipt to nelnet : forbearance request to XXXX dated XX/XX/XXXX x 5 pages. 
XX/XX/XXXX : fax with receipt to nelnet : first follow-up to XXXX - requests apply XXXX forbearance request. 
XXXX : faxes with receipts to nelnet : second follow-up x 2 to both XXXX and XXXX request applyXX/XX/XXXX forbearance request. 
XX/XX/XXXX : email from nelnet : acknowledges request and promises a response. 
XX/XX/XXXX : ltr from nelnet : congratulates me and notes my forbearance request has been approved.

XX/XX/XXXX : faxes with receipts to nelnet : to both XXXX and XXXX in response to XX/XX/XXXX acknowledgement and application of the XX/XX/XXXX forbearance - request nelnet correct application of same. 
XX/XX/XXXX : cfpb complaint re nelnet : requests correct application of XX/XX/XXXX forbearance. XX/XX/XXXX : email from nelnet : acknowledges request and promises response.

XX/XX/XXXX : cfpb complaint re nelnet : requests correct application of XX/XX/XXXX forbearance. 
XX/XX/XXXX : emails x 2 to nelnet : request correct application of XX/XX/XXXX forbearance request. 
XX/XX/XXXX : emails x 2 from nelnet : acknowledges requests and promises response.

XX/XX/XXXX and XX/XX/XXXX : cfpb complaints re nelnet : request correct application of XX/XX/XXXX forbearance request. Forbearance request correspondence dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX attached to complaints.

XX/XX/XXXX : cfpb complaint re nelnet : requests correct application of XX/XX/XXXX forbearance request.

XX/XX/XXXX : cfpb complaint re nelnet : requests correct application of XX/XX/XXXX forbearance request. 
XX/XX/XXXX : cfpb complaints x 2 re nelnet : request correct application of XX/XX/XXXX forbearance request.
Consumer complaint received 2023-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank (TX)

I had a seruced credit card with First Progress with a {$200.00} limit I had to give a security deposit of {$200.00} dollars before using the card I cancelled the card and was told that the deposit was suppose to be returned in 90 days the card was cancelled XX/XX/XXXX and the money was suppose to be mailed to me and it never came I call the company back on XX/XX/XXXX about the deposit and was told that the check was returned back to them by the post office so I gave First Progress another address to send the deposit to and I was told that it would take 30 days to update the address and a check would be mailed out afterwards and I still didnt get it I called back to see why I hadden gotten it i asked what address it was sent to and was given the old address I ask to speak to a supervisor and was told that one wasn't available I have waited 5 months on my security deposit and havent gotten it and each time I ask for a supervisor am told XXXX isnt available and I have updated my address with them multiple times and Im always given the old address when I ask about what address are they going to send the check to the address that the check needs to be sent to is XXXX XXXX XXXX # XXXX XXXX XXXX Tx XXXX but they keep telling me the address that the check will be mailed to XXXX XXXX XXXX XXXX Tx XXXX and I have given them the new address time and time again I dont see were the difficulty is coming in at this is simple
Consumer complaint received 2021-12-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I was involved in accident last XXXX. Someone rear ended me and took off. My vehicle was totaled and i was XXXX  after a week and ended up with XXXX XXXX. Mean while i was making my regular monthly payments. 
The insurance paid portion of my vehicle and over XXXX $ left on me. The Bank of America pushed me to pay the remaining balance in 60 days since the vehicle was totaled. I explained my situation and told them I do pay every month. They said Not enough you have to pay it off. 
I said i m in hospital and had XXXX  I dont have XXXX $ to pay it off but I never missed any payments. They didnt care about my situation and after 60 days day. They charged off and send it to their recovery department and I lost over XXXX of my credit score. 
Its not fair. I made a call and they set the same payments as payments plan. 
While i was explaining my situation. 
She said different police and she said you had paid it off in 120 days instead of 60 days. 
Which I could do something. 

Now I am asking you to fix my credit score which I XXXX  it 8 years. And Bank of America messed it up. 
Even if there is any documentation required regarding my accident and situation I can provide it from my Attorney. 
Please make to them to fix my credit score.
Consumer complaint received 2021-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

You stated that you did you investigation on XXXX XXXX XXXX as they are reporting negatively on my credit report but where is your proof of that verification? Pursuant to 15 usc 1681a ( e ) whom have you interviewed? I want for you to provide me the actual facts of whom you have interviewed regarding this alleged debt because the definition of an investigative consumer report says you shall obtained information through personal interviews However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency. I am requesting proof of this. If you can not provide proof of the interviews you conducted within your investigation you said you did on XXXX XXXX XXXX then you shall remove XXXXXXXX XXXX  from my credit report immediately. According to 15 usc 1681i ( 5 ) ( A ) ( ii ) you shall promptly delete that item of information from the file of the consumer.
Consumer complaint received 2021-12-05
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: ID Analytics, Inc. (SC)

I have sent so many disputes orally by phone and written through the mail, yet these false alleged inquiries and collections remain on my consumer report! I am the natural person, original creditor, and federally protected consumer! The United States along with all of these corporations ( XXXX, XXXX, XXXX ) are in fact the debtors! Every single debt obligation or every single extension of credit is originated from my social security card ( Credit Card ) number! Without the consumer these corporations are just a dead entity! 
CREDIT IS LIFE. 
15 usc 1681a ( 2 ) ( B ) EXCLUSIONS of consumer report.

EXCLUSIONS mean something shouldnt be included. 15 usc 1681a ( 2 ) ( B ) anything authorized from a credit card as defined under 15 usc 1602 ( L ) Congress says that any transaction that was authorized from a credit card should be EXCLUDED from your consumer report. 
So any transaction shouldnt be written or spoken about. 15 usc 1681 ( a ) ( e ) : investigative consumer report. It cant be from a creditor of the consumer or a consumer reporting Agency! 
15 usc 1681 ( a ) ( 3 ) - consumer reporting agencies have assumed a VITAL role! Credit is life & debt is death!

18 usc 8 : All debts are obligations of United States. 
Law comes from God. 
I know the law & I know scripture! I am free! Earthly Laws cant supersede divine laws!! 
WE WERE BORN WITH UNLIMITED OPEN END CREDIT PLAN. 
Im a lender not a borrower. 
I WILL BE PURSUING LITIGATION BECAUSE THIS HAS CAUSED SO MUCH FINANCIAL HARDSHIP TO MY MINOR CHILDREN AND I! I do not deserve this, and for it to even take this long for an investigation is wrong!
Consumer complaint received 2019-08-26
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)

XXXX ; XXXX and Transunion are reporting incorrectly a charge-off in the amount of {$7100.00} on the XXXX XXXX account number XXXX. ( Please see page 2 attached from my credit report. ) This vehicle was in a car accident and the insurance company paid off the remaining balance due and therefore there is no outstanding balance to report and/or charge off. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this, however I have not been successful.
Consumer complaint received 2018-10-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

On XX/XX/2018 my home was damaged from a broken hot water heater above me I submitted to my insurance company and settled with them and was issued a check made out to both myself and the mortgage company .I informed the mortgage company ( XXXX XXXX ) and was issued a ILD #. On XX/XX/2018 they then sent me numerous papers to me to fill out and informed me that the money would be put in escrow and dispersed as needed once I sent them necessary paperwork which included copy of the following insurance company 's adjusters report/estimate, mortgagor 's declaration of intent to repair, bid/work contract, form w9 for contractor, contractor 's license affidavit, signed check from insurance company, any receipts for work paid and completed and a letter if I wish to receive more than 25 % of the total amount in escrow. This was all sent to them on XX/XX/2018. Having heard nothing from them I called on XX/XX/2018 to follow up only to be informed that because the contractor had not signed the bid they could not process I then faxed a signed copy that day. On XX/XX/2018 I called again this time I was informed it was not processed because I had not signed the bid ( If I did not follow up how long would the file have sat before someone got in touch with me to let me know they needed these signatures ) but the supervisor assured me he would expedite the payment and I faxed a signed bid by me to them. XX/XX/2018 called again spoke to a supervisor who informed me that a check was issued for half of the contractors bid amount. After explaining to this supervisor that the contractor needed to be paid in full in order to complete the work as it required the purchase of a furnace and air conditioner unit she assured me she would contact the appropriate people and explain the situation and would call me the next day and update me. No phone call ever came On XX/XX/2018 I called again and was told that no supervisor was available to speak to me I said I would hold for them and was informed I could not hold and they would call me back within 24 hours. So here I am no heat, air conditioner, walls, insulation, ceiling 's, and flooring. I am XXXX XXXX and live with my XXXX year old mother and the temperature outside will be dropping into the 60 's in two days. I have advised the insurance company of our situation and they sympathetic to my situation they do nothing to help. I would really appreciate anything you can do to help me. I do not understand why the mortgage company who say they are so interested in restoring the property back to its original state ( as I am very anxious to do ) is controlling the money to do so from the insurance policy that I personally pay for not them.
Consumer complaint received 2021-12-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

Another debt collector was harassing me over this debt which I do not owe prior and I reported it to your office and the IL Attorney General and told them to CEASE and DESIST!! They responded that they would stop contacting me but that did not mean the company would not sell it to another collector who would then contact me. I want these crooks to CEASE AND DESIST or I will file a harassment and restraining order against them and sue them for all I can get, in fact I am contacting my lawyer now!!!!! I am a State employee and they are harassing me!!!! Make it STOP!!!!
Consumer complaint received 2021-04-03
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: BARCLAYS BANK DELAWARE (TX)

I already reached out to the credit bureaus and to XXXX for the account number XXXX and notify them of their error posting for this account on my credit report. It does not compliment what the Credit bureaus XXXX claim as a " validated as accurate ''., and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. 
I had also requested the method of verification, actual proof, physical first-hand documentation of the payment history, and proof of last payment but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.
Consumer complaint received 2023-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (OK)

I preferred and paid for a cell phone and service. They mailed the phone to the wrong address. I never got the phone activated the phone it was never activated or used according to the mobile company XXXX XXXX. I got a bill for XXXX I calledXXXX XXXX XXXX XXXX. They've turned it over to AmSHER collection agency and is affecting my credit in a negative way XXXX a rep from XXXX XXXX told me on XX/XX/2023 at XXXX cst. appox. I've been trying to get this taken care of since XX/XX/XXXX. It's 7 months later. I think at this point a monetary award should be given to circumvent further legal action being taken in regards to This is fraud, mail fraud, identity theft, harassment, defamation of character, violations of my rights to privacy, fdcpa violations, fcra violations, fcba violations. I never gave them permission to sell my information to a3rd party I never gave my express written permission to use my identity in this way either. It's costing me money and time to deal with this and hurting my reportable credit and credit worthiness and my ability to obtain new credit. I've been victimized in several ways from this company and we never did business officially bc I never got out activated or used the device. I canceled the contract bc of it and they agreed, now 7 months later here we are.