davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I hope this letter finds you well. I am writing to address a concerning issue regarding the reporting of my credit history by Transunion. Specifically, I am disputing a medical debt that was charged-off and subsequently sold to another creditor, XXXX XXXX XXXX ( XXXX ). The account number associated with this debt is # XXXX. 

According to the Fair Credit Reporting Act ( FCRA ), it's essential for credit reporting agencies like Transunion to ensure the accuracy and fairness of the information they report. However, I've discovered that XXXX is inaccurately reporting a charged-off medical debt on my credit report. 

Furthermore, as outlined in 15 U.S. Code 1692j, it is unlawful to design, compile, and furnish any form with the knowledge that it would create the false belief in a consumer that someone other than the creditor is involved in the collection of the debt. Despite this, XXXX XXXX actions suggest otherwise, leading to confusion and potential misinterpretation of the debt collection process. 

Additionally, XXXX failed to provide me with an opt-out form, as required by 15 U.S. Code 6802. This omission deprived me of the opportunity to exercise my right to opt out of the information reporting on my credit report, further exacerbating the issue. 

Moreover, the Privacy Act of 1974 explicitly prohibits the sharing of patient information with collection agencies or any third party without proper authorization. XXXXXXXX XXXX disregard for this law has not only compromised my privacy but also infringed upon my rights as a consumer. 

The presence of this medical collection on my credit report has had detrimental effects on my ability to engage in financial transactions, including obtaining mortgages and extensions of credit. It has caused immense stress and difficulty for both me and my family, hindering our ability to operate fairly in commerce. 

In light of these violations and the resulting impact on my financial well-being, I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccuracies in XXXX XXXX reporting. I also urge XXXX to comply with all relevant laws and regulations to ensure fair and accurate credit reporting practices are upheld. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will work diligently to address this issue and ensure a fair resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-06-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK (OK)

The original creditor was Discover. Due to financial hardship ( loss of jobs ), I could not continue the payment on the account. It was sent to XXXX and XXXX in XXXX XXXX. I was repeatedly harrassed, the debt inflated quickly, but I eventually reached a settlement agreement with XXXX XXXX XXXX that I repeattedly told them was beyond what I could pay. They still insisted and set up an automatic bank withdrawal via post-dated checks. I called after every payment to indicate that I could not make the next payment. When the last payment was due, I did not have the funds and could not come up with the funds. I called to let them know, they drafted anyway, and it bounced. 

When I tried calling to set up some way to make the last payment, they told me I was out of luck and that I would be responsible for the entire debt before the settlement because I failed to make the payment. 

I didn't hear from them for quite a while until I became aware of a default judgment against me. They had served the renter of our property, and I never received the summons. 

Earlier this year, I received a call indicating they would like to discuss the matter. With over a decade since the original conversations, I asked that they send me documentation in writing instead of an inflated value over the phone of an amount that is quite larger than the original debt and the judgment. I have yet to receive anything. It has been months. I would like this matter settled in a fair and accurate way as soon as possible.
Consumer complaint received 2018-04-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Pinnacle Credit Services, LLC (FL)

XXXX XXXX XXXX repeatedly calls my cell phone to collect a debt that I do not believe I owe. 
They also send constant mail. Supposedly this debt is from XXXX and was over 7 years ago. 
I have repeatedly told them it is not my debt by they have not produced any evidence that I actually owe this. 
Today on XX/XX/2018, at XXXX from XXXX they called me again on my cell phone. 
When I told the gentleman on the phone this is not my debt he got loud and aggressive with me. In a tone that can be construed as yelling, he accused me of making false claims and told me that this remain on my credit. 
He was clearly trying to bully me in to paying money I don't believe I owe. 
I once again requested that the phone calls cease and informed them once again that this is a cell phone. 
He again said " Fine! This can just sit on your credit then! '' I ended the call.
Consumer complaint received 2018-04-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (PA)

My student loan payments had been around {$340.00} a month for several years and without notice in XX/XX/2018, the payment went up to {$720.00} a month. 
I called AES to ask my options and see why the increase occurred. They explained that I was paying interest only. I asked what options there were to lower my payment as I was unprepared to make that payment. They said that I had no more options available. They suggested that I try to consolidate. By the time I found a bank to consolidate with, I was so far behind in payments that I could not consolidate and I was receiving threatening letters and phone calls that would ruin my credit, garnish my wages and more.
Consumer complaint received 2017-09-17
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: NAVY FEDERAL CREDIT UNION (MD)

I paid NFCU {$6300.00} to settle an account back in XX/XX/XXXX during their unethical debt collections I received a redressed check for another account that was settled back in XX/XX/XXXX for {$5600.00} and I received a redressed for that one, however, I did n't receive a redressed check for the {$6300.00} that settled a credit card debt with them.
Consumer complaint received 2017-09-17
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. (CA)

Credit Bureaus are reporting a tax liens that fail to have my Social Security Number or DOB on the recorded lien as required by reporting regulations. XXXX 2017 reporting regulations require complete SS number or DOB. They also failed to report lien was being disputed with-in required time frame, or report dispute at all.
Consumer complaint received 2022-07-21
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. (AZ)

All of my credit reports are showing XXXX ( XXXX ) 90 or 120 day late payments in the month of XX/XX/2019 for my student loans with " XXXX/Dept of Ed '', however, my student loans were in Administrative Forbearance from XXXX XX/XX/2019 and General Forbearance XXXX XX/XX/2019. Administrative Forbearance is a period during which payments to federally held student loans have been automatically paused or suspended and interest rates set to 0 %. Thus, it is legal and factual impossibility to be in default or have late payments during the period my loan was approved for Administrative Forbearance. I did request to be in Administrative Forbearance and my application was approved, which included a backdated Administrative Forbearance. The credit reporting agencies have said that payment was late because payment was made during the application for the Administrative Forbearance, however, the Administrative Forbearance was approved and served to backdate the forbearance during the application process, as clearly demonstrated by no late/delinquent notices during the months of XX/XX/2019, when I would have been 30 days late, and again XX/XX/2019, when I would have been 60 days late. In sum, the twelve ( XXXX ) reports of 90 or 120 days late is not only inaccurate because I was on Administrative Forbearance, it is predatory as it has completely destroyed my credit, despite the proper approval for the Administrative Forbearance. I have included a of a correspondence from XXXX XXXX ( the previous student loan servicer ), dated XX/XX/2019, approving the Administrative Forbearance from XXXX XX/XX/2019 and General Forbearance XXXX XX/XX/2019 - again showing the Administrative Forbearance was backdated.
Consumer complaint received 2022-11-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MA)

I went to a CVS to transfer funds through Moneygram International on XXXX XXXX. 
Moneygram held the transaction and requested information from receiver Moneygram asked for proof of residence, however the receiver was simply visiting from XXXX and could not provide the information. 
The receiver did provide her Passport as identification The receiver has since returned to XXXX. 
I have made several requests for a refund but Moneygran still insists on the residential information from the receiver which is impossible On Friday XX/XX/XXXX I called Moneygram to resolve this mater and I was told that I would be contacted on Monday XX/XX/XXXX, however they did not contact me or resolve this matter. 
On XXXX XXXX I made a followup call and was told exactly the same thing, The receiver needs to provide her information Moneygram has all my information to contact me and return my money!
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The presence of this account has caused me considerable distress, to the extent that it is affecting my ability to sleep. I have provided all the necessary documentation for its removal, and I sincerely implore you to remove it from my credit report.
Consumer complaint received 2020-02-01
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. (CT)

Complaint : Balance Paid to XXXX prior to putting this in my credit report Dispute : This was paid there is no balance XXXX. 
Request : Remove from my credit report.Complaint Against : XXXX XXXX XXXX Creditor : XXXX  Insurance {$330.00} PAID there is no balance.Good afternoon please investigate this issue XXXX XXXX company has deposited false information in my credit report. I am aware that this is a fraudulent company and they have stolen people information claiming they are the creditors. I have already paid the balance that I had with XXXX. I have never had an account with XXXX XXXX. Please remove this entity. The balance I had was only {$330.00} in which I have since paid please check with XXXX XXXX  this is paid. {$430.00} listed in credit report this is inaccurate.
Consumer complaint received 2020-02-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (IL)

on XX/XX/XXXX I bought a certified pre-owned XXXX ( XXXX ) from XXXX XXXX XXXX XXXX XXXX XXXX. I was shocked to find that there were {$2400.00} extra charges in my contract buying the car which are summarized as follow : 1- The purchase price of the car we agreed and I signed for was {$13000.00} before applying the rebate I was surprised that they added the rebate to the purchase considering that should be the price after the rebate is applied not before the rebate? A {$450.00} more than the price we agreed upon. 

2- In the contract I was charged an extra {$790.00} as an charges for the bank to process my loan, but after my communication with the Nissan Acceptance Cooperation ( NAC ) I figured out that my interest rate for the loan is 0 % ( my credit score is XXXX ), and there were no extra charges collected by NAC to process the loan. I asked for proofs to justify this {$790.00} charge without any response from the manger or the team. 

3- Also, the dealership added the XXXX  protection Package for  {$1200.00}, which is useless, and they refused to remove it with any benefits that might be associated with it from my contract. 

4- the copy of the contract the bank has is different from the copy of the signed contract that I have, which actually can make the copy of the bank invalid. 

5- The car has other mechanical problems and the mechanical report was shared with manager without and response. 

In summary, In addition to the cars mechanical problems, the totally amount that I am disputing is ( {$450.00} + {$790.00} + {$1200.00} = ) {$2400.00}.
Consumer complaint received 2018-12-07
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. (CA)

I am very concerned about the validity and accuracy of the recent investigation done by Transunion..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Transunion failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this.. 
XXXX  XXXX/XXXX, XXXX  XXXX XXXX, XXXX XXXX
Consumer complaint received 2020-12-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (NJ)

Two checking accounts were opened in my name without authorization. 
The first one received a direct deposit on XX/XX/ ( {$300.00} ) and the second received funds on XXXX ( {$500.00} ). 

I contacted Chase Bank, XXXX and police department to report the incidents. I also contacted the three credit bureaus.
Consumer complaint received 2018-12-06
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: EQUIFAX, INC. (CA)

On XX/XX/XXXX I reported to XXXX XXXX and Equifax the fact the XXXX XXXX XXXX XXXX XXXX XXXX XXXX entered into litigation due to their fraudulant breach stealing of my money. 

I uploaded the court documents to substantiate the judges comments and the fact that the case was open and at this time the creditor should cease reporting derogatory information XXXX, reported the account as of XX/XX/XXXX as a charge off after I commenced the law suit, I advised all three agencies that they are not reporting correctly. Despite documents which included civil suit documents they reached out to the creditor. they not only did remove the derogatory but they updated the charge off date to XX/XX/XXXX XXXX dispute was entered on XX/XX/XXXX and they spent 60 days before updating my credit report via my dispute that i mailed them certified. The credit company and the creditor can not change the terms as it is suits them to continue to update their information to make it stay longer in derogatory status. 

XXXX XXXX
Consumer complaint received 2018-12-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (GA)

On XX/XX/XXXX, I received notice from my credit monitoring service that my credit score had dropped. When I opened my account, there was a notice that XXXX by Goldman Sachs had changed previous payment history on my credit report from current to 60 days late from XX/XX/XXXX to XX/XX/XXXX. I have never been late with this account and have proof that I have never been late that I will attach to this dispute. I have always been on in automatic draft program with this company to ensure that my payments are never late. I received a three month deferment from XX/XX/XXXX through XX/XX/XXXX due to being offered a deferment by XXXX Goldman Sachs due to being out of work and in a FEMA declared state after Hurricane Irma. I was advised that my credit report would not be impacted as I was under a deferment and extending my loan 's maturity date ( see attached ). My credit reporting never changed during that time frame, and now all of a sudden they have changed it. All payments before and after deferment were made on time. I called XXXX by Goldman Sachs and spoke with a XXXX XXXX. XXXX said that it seems that there has been some type of error and it would take up to 2 days for them to resolve. His explanation was very vague and I explained to him that while I am awaiting their investigation my credit reputation is being impacted because of their erroneous reporting. XXXX could not provide any other assistance and told me that he was not sure of whether the information could be corrected quickly. I advised him that just as quick as they made the error they needed to fix/resolve as I am ill considering the damage that this is doing to my perfect credit score. He said that someone would reach out to me by telephone within 1 to 2 business days but I am not confident that this company will handle as quick as necessary and that is why I submitting this dispute. I am outraged that this company with do something like this to a timely paying consumer and I will never do business with them again.
Consumer complaint received 2018-04-18
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (TN)

I sent a debt validation to the creditor Santander Consumer USA to validate the debt they are saying I owe. After 30 days I contacted the creditor and they informed me that my debt was sold to another company called XXXX XXXX XXXX. I contacted this company via telephone to ask them there license and bonding number to be able to collect a debt in my state. The representative did not know what I was talking about and put me on hold and hung up the phone after being on hold for over 10mins. This company is not license and bonded and by law are not able to collect a debt in my state. I am asking you to permanently remove this information from my credit report immediately.
Consumer complaint received 2022-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

Ex wife opened 3 credit cards. She listed me as an authorized signer on the 3 credit cards ( Bank of America, XXXX XXXX and XXXX ). I never signed anything to authoize me as an authorized signer or to be added to these accounts. The credit card company did NOT have my permission to put me on those accounts. Ex wife did not pay the cards. Now those are being reported negatively on my credit report. I want proof from those companies that I gave permission to sign up for those cards. When they can't provide the proof of persmission that I never granted, I would like those 3 cards off my credit report as I did not sign up for those cards. 

I am trying to apply for a home loan and this fraudulent activity is blocking my home loan. Thank you for your assistance.
Consumer complaint received 2020-01-31
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: B&B Funding, LLC (CO)

XXXX XXXX lent me 1st & 2nd mortgages in XXXX to purchase home at XXXX XXXX XXXX XXXX , CO XXXX. Both servicers began misapplying funds in XXXX and XXXX on each loan respectively and it took years to straighten out. I submitted a CFPB complaint about the 1st mortgage in which they foreclosed in the middle of a modification -- XX/XX/XXXX OMB Control No. XXXX -- XXXX XXXX  was the servicer. Foreclosure was eventually reversed. 

A similar circumstance is now happening with the 2nd mortgage. XXXX XXXX sold the loan and it has been sold 6 times since and is with a collection agency called XXXX XXXX XXXX. The last I knew of this 2nd mortgage was when XXXX had it and offered me an {$11000.00} payoff ( which I have attached ) to be paid when modification of 1st mortgage was complete. They also told me that I didn't have to make payments until we started the trial period of the modification after the 1st mortgage was complete -- therefore I should not be in default. XXXX XXXX  took 6 years to complete the modification on the 1st mortgage and meanwhile XXXX sold to XXXX XXXX in XXXX. XXXX XXXX  had told me they could absorb this 2nd mortgage in the modification and that they would contact them to discuss it. I'm not sure that ever happened ; the modification is very complex. 
Meanwhile, XXXX had been sending letters to my previous address and I didn't get them until recently. We were negotiating, they were calling it a modification, then I got a phone call from a women wanting to buy my house saying it was in foreclosure which was a shock to me. They started foreclosing while I was out of town for the holidays and they knew it becauseI let them know I would contact them when I returned. 

I have offered to pay them the {$11000.00} that XXXX offered ( which I have in writing ) and they refused and want me to pay {$38000.00} with interest ( rate changes each week ) and thousands in fees ( the number keeps changing each week ) and their attorney 's fees for the foreclosure. I feel they should honor their predecessor 's offer since when they bought the loan -- likely for 5 cents on the dollar -- around {$1900.00} according to a bankruptcy attorney I spoke to. I believe that if I called XXXX today, they would accept the previous offer of {$11000.00} cash ( if they hadn't sold the loan and closed their business ). They bought not only the benefits of the loan, but the responsibilities too. Again all my day is spent over the past several weeks on only trying to save my house because of a debt collector who is unreasonable and unfair in their practices and my family is being effected including my XXXX year old son. There is no reason for them to be foreclosing while we are actively involved in negotiations.
Consumer complaint received 2022-06-13
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: Keystone Credit Services LLC (SC)

Keystone Credit Services has put a {$9900.00} XXXX XXXX on my report that is 1000 % not mine! They have continually NOT sent me any info and will refuse to admit that its not mine! This has been going on for months now and needs to end! They are 1000 % in the wrong and needs to be taking off my XXXX credit report!