davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-11
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MS)

I have previously sent in a complaint against this company for this exact reason. I also spoke with someone in the corporate department, and she assured me this would be handled. I told her I was to not be contacted unless I ran a month behind. It is the XXXX of XXXX, this company called my cell phone first as to which I couldn't answer because I am at work. They then proceeded to call my work phone AFTER I asked them to put a " DNC '' Do Not Call on the account. I mail my payments in, and I have mailed them a check for last month and a check for this one as well. It is XX/XX/XXXX, my payment due date is the XXXX of every month. XXXX also speaks with a condescending tone and regularly cuts me off when asking questions. Again, these people have the title to my vehicle. I will always pay it, I was waiting for my new bank to send me checks. If these people call me again, I will pursue a lawyer. Especially when I am not even a month past due. XXXX is the person who keeps calling me. I also, told her for the second time, do not call me at work. I am done playing with this company. This is the last time before I take further action against them.
Consumer complaint received 2020-02-07
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. (MS)

I been receiving letters in the mail for a while now about me owing child support money. I am not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX XXXX due to a low credit score. I have pulled my credit and I saw various child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. 

TN CHILD SUPPORT XXXX
Consumer complaint received 2019-06-11
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)

On XX/XX/2019 ( Tuesday ) I called TransUnion three times requesting updates on a method of verification letter sent to the CRA. It was verified three times by the supervisors ( XXXX ) and other representatives that the letter was received dated on XX/XX/2019. The letter stated Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which provides that I may request a Method of Verification. A CRA shall provide to a consumer a description no later than 15 days after receiving a request. XX/XX/2019 will mark 15 days. As I was misinformed by a representative that it will take 30 days and she mistakenly said it was not in dispute or in re-investigation, after verifying that TransUnion received the letter, I immediately requested for the supervisors. Once I expressed my concerns with each supervisors and stated that I also submitted the letter to CFPB, they hung up on me three times. I requested to speak with the special handling department and they continue to refuse my refuse my request until the last I called. I spoke with XXXX in the Special Handling Department and again He verified that they did indeed receive my method of verification letter dated XX/XX/2019. I also explained that XX/XX/2019 is the last day to send my request and if they can NOT by law they have permanently delete the XXXX XXXX XXXX  account. And I expressed to XXXX that my letter was submitted to CFBP. Again, I was hung up on.
Consumer complaint received 2020-02-07
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. (MS)

I been receiving letters in the mail for a while now about me owing child support money. I am not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw various child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. 

TN CHILD SUPPORT XXXX
Consumer complaint received 2023-04-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

i have over 7 times try to dispute XXXXXXXX XXXX with transunion and i am not getting any acknowledgment its been 6 months cfpb complaints keep getting closed when it shouldnt be
Consumer complaint received 2019-06-11
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. (MT)

PLEASE NOTE : ( 1 ) Online attempts to contact the CFPB Ombudsman for what follows have been automatically rejected. 

( 2 ) PLEASE FORWARD AND NOTICE THIS COMPLAINT TO THE THREE MAJOR CREDIT BUREAUS RE : The FAIR CREDIT REPORTING ACT XXXX XXXX XXXX [ last four digits of Social Security card are XXXX ], ( " XXXX '' ) is-or-has-been an " authorized user '' on some of the individual credit card accounts of her father, XXXX XXXX XXXX ( herein : " XXXX '' ). 

XXXX recently came into a cash inheritance from her late Mother and is planning to purchase a new residential condominium for herself and her three minor children. 

In the course of XXXX by herself seeking and/or arranging financing for the above purchase, it turns out that credit card accounts and personal indebtedness of her father, XXXX XXXX XXXX on which XXXX is listed ONLY as an " authorized user '' ~ is in fact showing up in total on XXXX XXXX credit bureau reports TO HER DETRIMENT. 

Neither XXXX nor XXXX are attorneys. However, XXXX is experienced in law and legal research and finds considerable case law and the FAIR CREDIT REPORTING ACT wherein it is specifically set forth that " authorized users '' are NOT financially liable for credit debt of the primary cardholder ~ and indeed should not be listed as a " creditor '' AT ALL on card accounts where they are named only as an " authorized user ''. XXXX 's attempts to simply contact the appropriate source within the creditor organizations ( e. g., banks ) has been frustrating at best and without resolution. 

It is XXXX and XXXX 's belief that ALL Credit Reporting Agencies have a responsibility to assure that " authorized users '' do not appear named as debtors on the card holder 's credit bureau reports. GLOBALLY, THIS IS NOT A NEW ISSUE NOR PROBLEM. 

Moreover, XXXX is at least minimally outraged that HIS credit history is being accessed and commingled as if his daughter is liable on ANY of XXXX 's card accounts and forwarded to and/or accessed by potential lenders that XXXX may wish to approach or utilize for her own individual reasons. 

XXXX is specifically familiar with the Fair Credit Reporting Act and has informed XXXX of relevant portions of it. The issue here may not be " new '' to CFPB. 

In any event, your assistance is asked in streamlining and issuing a formal complaint by the CFPB vis-a-vis and to ALL the credit bureaus -- as well as other individual creditors or entities ( such as banks ) as CFPB XXXX suggest that sets forth that XXXX XXXX XXXX in particular ~ and all other persons in general ~ as being " authorized user '' is NOT subject to credit reporting on such credit accounts that are " owned '' by others. In this specific instance, the above would include -- but not be limited to -- those credit accounts of-and-issued to XXXX XXXX XXXX. See : Case Law attached. 

Thank you for your attention and assistance to my inquiry here.
Consumer complaint received 2019-06-11
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. (MT)

PLEASE NOTE : ( 1 ) Online attempts to contact the CFPB Ombudsman for what follows have been automatically rejected. 

( 2 ) PLEASE FORWARD AND NOTICE THIS COMPLAINT TO THE THREE MAJOR CREDIT BUREAUS RE : The FAIR CREDIT REPORTING ACT XXXX XXXX XXXX [ last four digits of Social Security card are XXXX ], ( " XXXX '' ) is-or-has-been an " authorized user '' on some of the individual credit card accounts of her father, XXXX XXXX XXXX ( herein : " XXXX '' ). 

XXXX recently came into a cash inheritance from her late XXXX and is planning to purchase a new residential condominium for herself and her XXXX minor children. 

In the course of XXXX by herself seeking and/or arranging financing for the above purchase, it turns out that credit card accounts and personal indebtedness of her father, XXXX XXXX ~ on which XXXX is listed ONLY as an " authorized user '' ~ is in fact showing up in total on XXXX XXXX credit bureau reports TO HER DETRIMENT. 

Neither XXXX nor XXXX are attorneys. However, XXXX is experienced in law and legal research and finds considerable case law and the FAIR CREDIT REPORTING ACT wherein it is specifically set forth that " authorized users '' are NOT financially liable for credit debt of the primary cardholder ~ and indeed should not be listed as a " creditor '' AT ALL on card accounts where they are named only as an " authorized user ''. XXXX XXXX attempts to simply contact the appropriate source within the creditor organizations ( e. g., banks ) has been frustrating at best and without resolution. 

It is XXXX and XXXX XXXX belief that ALL Credit Reporting Agencies have a responsibility to assure that " authorized users '' do not appear named as debtors on the card holder 's credit bureau reports. GLOBALLY, THIS IS NOT A NEW ISSUE NOR PROBLEM. 

Moreover, XXXX is at least minimally outraged that HIS credit history is being accessed and commingled as if his daughter is liable on ANY of XXXX XXXX card accounts and forwarded to and/or accessed by potential lenders that XXXX may wish to approach or utilize for her own individual reasons. 

XXXX is specifically familiar with the Fair Credit Reporting Act and has informed XXXX of relevant portions of it. The issue here may not be " new '' to CFPB. 

In any event, your assistance is asked in streamlining and issuing a formal complaint by the CFPB vis-a-vis and to ALL the credit bureaus -- as well as other individual creditors or entities ( such as banks ) as CFPB may suggest that sets forth that XXXX XXXX XXXX in particular ~ and all other persons in general ~ as being " authorized user '' is NOT subject to credit reporting on such credit accounts that are " owned '' by others. In this specific instance, the above would include -- but not be limited to -- those credit accounts of-and-issued to XXXX XXXX XXXX. See : Case Law attached. 

Thank you for your attention and assistance to my inquiry here.
Consumer complaint received 2020-09-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp (MD)

This is and update to my original complaint. In review of my account, this company continues to apply MORE money towards the interest on the account that they should. Even after my payments were restored, they are STILL stealing money from me and this needs to be stopped. My interest payment should be going DOWN, yet for TWO months they stole my entire payment and applied it towards interest and on the THIRD month they continued to take nearly 80 % of my payment and apply it towards interest and that is NOT the intention of the deferment. HOW are you going to let them get away with this? If they are stealing from me, they are stealing from everyone else and SOMETHING has to be done about this. This is crazy that you allow this type of predatory lending practices. And on top of stealing my money up front, you are going to charge me interest AGAIN on the back end. BUYER BEWARE!! LendingClub is a predatory lender, they will steal from you in your face to line their own pockets and they could care LESS about the consumer. They should be sanctioned and shut down for taken financial advantage of people.
Consumer complaint received 2019-06-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (IL)

I co-sign for a friend and due to him being late my credit going down and down I didnt agree to this at all how can this be fix? 

CHRYSLER CAPITAL Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details.
Consumer complaint received 2020-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (OK)

Our home was sold in XXXX of 2020 and our escrow refund has yet to be received. First roundpoint mortgage claimed they sent it to the wrong address and would resend. That was in XXXX and we still have not receive a check. I can not get a response from this company.
Consumer complaint received 2019-06-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Supreme Lending (TX)

Supreme lending XXXX # XXXX XX/XX/2019 credit check was ran XX/XX/2019 come back with loan scenarios XX/XX/2019 sends loan scenarios again not loan estimate XX/XX/2019 sent a email for loan estimate again and shows server not active. 

They kept give me the run around on getting a loan estimate, kept sending me information that didnt have the right amounts or interest rates that were discussed.
Consumer complaint received 2015-09-22
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I took over ownership of an account where I was an authorized user on the grounds that interest would not be added are continue to accrue since balance was accumulated under interest free terms and that late fees would not be added now or in future. Fraud Representative XXXX agreed to these terms. From the first time I received my bill I noticed interest and late fees so I called Capital one and spoke to a supervisor. I explained what The Representative informed me before I signed and agreed to the letter of responsibility. The supervisor removed the late fees and interest and stated he would stop the interest moving forward as agreed. I get my second bill and again interest was charged. I then spoke to XXXX who was a supervisor in XXXX XXXX XXXX Utah who informed me that she would listen to all of my conversations that I had with XXXX and the supervisor who removed the late fees and interest the XXXX time. She stated she would call back in 24-48 hours. I called capital one 168 hours later because I had not heard from XXXX and the representative I spoke to agreed to remove the interest and stop the interest moving forward. Then today XXXX/XXXX/15 XXXX calls me to say she listened to XXXX call. Which was the last call XXXX made to me about not receiving the letter of responsibility. She did not listen to the call where I agreed to take over the account with there being no interest or late fees applied. She did not pull the call between me and the supervisor I spoke to that removed the late fees and interest. She rudely informed me she would not be honoring what the representative from XXXX/XXXX/2015 provided and would not be honoring what the supervisor informed me nor would she honor the original agreement with XXXX XXXX which she adamantly refused to pull that call ). With these original agreements not being honored this account has been set up frequently in my name. I asked to speak to XXXX 's supervisor and I asked XXXX to honor what she said she would do by listening to all of the calls and she again refused. She stated her supervisor XXXX does not take calls nor does she make calls. Since original agreement is not being honored this nulls my letter of responsibility.
Consumer complaint received 2019-06-11
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. (CA)

I had a charge off account with XXXX XXXX. On XX/XX/2019, I paid the last installment to finish paying the account in full. The balance owed is at {$0.00}. The XX/XX/2019 status stated that the account is still derogatory and charged off. The derogatory remark should be removed and the account status should state paid in full.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

It has come to my attention that although I have written several letters asking for audit trails and requesting my account status be corrected several times, I am not getting any response because of the automated system you have in place which in fact its a violation as well I am demanding this account to be updated immediately on my credit report as it is in violation to the following federal constitutional laws 15 USC 1666. I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts to report anything other than PAID IN FULL : SATISFACTORY. My points dropped significantly because of the coding & them not having permissible purpose to report inaccurate information. 

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me.
Consumer complaint received 2019-10-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (AZ)

In XX/XX/XXXX, I requested proof of debt responsibility from the company National Credit Systems via phone. I requested to obtain original papers signed by myself that I owe a company called National Credit Systems or any affiliates and 3rd parties. National Credit Systems sent me papers via USPS that are visibly scanned and copied papers. According to the Law, copies are not sufficient proof that I am responsible for this debt or that I am responsible for this debt. To conclude, National Credit Systems will not provide to me original paperwork, signed by me. In addition, " National Credit Systems '' continues to reappear on my credit as a " new account '' every year, for the last 6 consecutive years. Collection agent from National Credit Systems, Miss XXXX, stated to me via phone in XXXX XXXX, that the removal time frame starts over when a debt is transferred and or sold to a new collection agency as well as after any and all disputes for this collection account made by me or any person 's. Miss XXXX stated via phone, this debt will remain on my ( XXXX XXXX ) credit report " forever '', and keep starting over as if it were from day # 1. National Credit Systems originally appeared on my credit as a debt from XX/XX/XXXX, in the beginning of XX/XX/XXXX. Over the years, the dates have changed many times as to when the account was originally opened .Currently my credit report States ( beneath the name National Credit Systems ) " opened '' XX/XX/XXXX. All of it seems invalid and not sufficient to be on my credit or that I am in fact responsible for this debt of {$4200.00} to National Credit Systems or their affiliates. Miss XXXX stated that her computer shows I am responsible for a debt of {$4700.00} but on my credit it states a different amount in which does not make any financial sense.
Consumer complaint received 2018-06-16
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. (MO)

In college I lost my wallet, where as obviously I became a victim of fraud, when trying to report it, I was told that they were too busy fighting real crime. However, I did not pound on it until I checked my credit report. I have un- identified items on my report. The following are in dispute as of now, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX, according to the FCRA law, these items shall be removed if the consumer like myself is not provided with physical documentation. Not just the credit agencies, I have the right to view any physical verification as well.
Consumer complaint received 2023-03-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NAVY FEDERAL CREDIT UNION (GA)

In XXXX of XXXX I tendered payment in full to Navy Federal Credit union for the full settlement of a consumer loan, in good faith, even though Navy Federal had and has violated numerous regulations and laws in regards to the rights of consumers as pursuant to federal law by way of XXXX XXXX  Title 41. Navy Federal sent me a statement in XXXX of XXXX showing a {$0.00} balance on said consumer loan. I allege that well over a year later Navy Federal committed theft, conspiracy, breach of peace by illegally contracting an unknown assailant and criminal to trespass upon me, my name and my property and illegal steal my vehicle. This assailant illegal came unto my property, an disturbed myself, my wife, and my XXXX XXXX XXXX and XXXX XXXX XXXX daughters and disrupted their lives by illegally " repossessing : '' my vehicle in which he has no right to. I reached out to the XXXX XXXX Police department and they informed me that they had no notice that any vehicle of mine was up for repossession. I allege that Navy Federal has broken the law. I intent to go public with this matter. I intend to immediately file a 3949 form, accompanied by a 211 form with the IRS calling for an immediate audit and investigation. I will also file a 1099C because I need to report this as income with the IRS as Navy Federal has defamed or plans to defame my character by threatening a " repo '' and " charge off '' on my consumer report and allege that I owe a large sum of FRN 's that Navy Federal previously notified me was settled. I intend to bring this matter to the attention of the FTC, FCC and the National Credit Union Administration. I also intend to file a lawsuit for defamation of character, pain and suffering, as well as emotional distress as my life, employment, my wife and kids lives have been greatly affected in the most negative way by this event.
Consumer complaint received 2023-03-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

I have two mortgages ... the first mortgage is up to date and the 2nd mortgage is in bankruptcy, Citizens Bank is taking my first mortgage payment and applying it to my 2nd mortgage that is in bankruptcy and I have made them aware several times. Now they are holding over {$3000.00} as Unapplied.