davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-02
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. (CA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX Balance : {$1100.00} XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023
Consumer complaint received 2024-03-02
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. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. (FL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 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: EQUIFAX, INC. (FL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-08-28
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: Clarity Services (TX)

XXXX  continues to list fraudulent inquiries on my Consumer XXXX report that I have already notified XXXX  were fraud. These inquiries did not start appearing until my wallet was stolen. Inside my wallet was my social security card, drivers license and even my email address. I did notify the police of this theft, and also created an FTC Identity Theft Affidavit which all consumer credit bureaus have as well as XXXX  on file. Per the FCRA if you are victim of identity theft, and you present a identity theft affidavit to the consumer reporting company explaining the theft and they refuse to do clear any of the information you notified them of fraud. Then the company is knowingly allowing fraudulent information to be placed on my Consumer report. Let me list out some of the things XXXX has refused to block. 

1. Illegal Address reported by XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX TX and XXXX Texas. I have never lived at this address ever, and this has been listed on my FTC Affidavit. 
2. Illegal Address reported by XXXX  - XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX. 
3. Illegal Inquiries that XXXX continues to allow and actually place on my consumer report themselves. The company continues to violate the protection laws put in place to protect victims of identity theft. Per the CFPB if you are victim of Fraud and you notify the company of this illegal activity and the company refuses to block such fraudulent information you can then proceed to arbitration. I will be pursuing an attorney to then contact XXXX. 
4. Illegal Inquiries - XXXX, Clarity Services - I have reached out to Clarity services, and actually had XXXX block Clarity Services Inquiries on My XXXX Credit report. Therefore Clarity Services has been notified that I did not allow or authorize Clarity services to access my XXXX  Report ever. This is again fraudulent. 
5. I do not have to legally have any law enforcement officer sign anything as I have already reported the crime to the law enforcement agency. FTC is a government agency which reports the theft and crime network for law enforcement officers. Additionally XXXX has allowed XXXX XXXX to inquiry and XXXX XXXX XXXX, They allowed XXXX XXXX XXXX to inquiry three times, They allowed XXXX XXXX Inquiry to go through even after stating they blocked this inquiry. They allowed XXXX XXXX XXXX, which they stated they removed, they allowed XXXX at least 15 times, They have allowed XXXX XXXX, XXXX XXXX XXXX. I did not authorize any of these inquiries these are fraudulent as a result of my wallet being stolen. I already reported this as identity theft, I have already placed a security freeze on my report. Please place a fraud alert and block this information immediately. I am forwarding this to clarity services as well for follow up.
Consumer complaint received 2022-07-09
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. (MA)

After reviewing my Transunion Report, I sent a letter asking TransUnion to thoroughly validate, verify the accounts listed in the attachment and to provide complete documentation as to how each account was verified, contact person, telephone number of contact person and date of conversation. 

Also, Transunion has been providing information as XXXX XXXX XXXX. Not sure who she is but it is proof that my credit file is corrupt. Reporting inaccurate information such as this is a violation and should result in immediate deletions of the accounts in question.
Consumer complaint received 2022-03-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rozlin Financial Group, Inc. (CA)

This began in XX/XX/2021. I notified said company ( XXXX ) of my cancellation after XXXX payment within the accepted time frame to do so. Their " contact us '' format was extremely non-user-friendly and they make it very difficult to contact them. Their cancellation policies were convoluted and misleading. There may have been delayed response time on their part due to COVID-19 which brings me to my point. 1. I respectfully attempted to close my acct/cancel my membership very soon after I opened it due to financial hardship and perceived XXXX tones on the site. 2. Once canceled I did not receive any notifications from them until collection started. 2. After what I perceived as a canceled membership, I came to learn that all they did was cancel the auto-renewal for the next year. 3. The nature of my cancellation was/is extremely sensitive and unfortunately a result of our times. 4. I explained that due to COVID-19 I was no longer employed and was facing financial hardship. 5. The overwhelming nature of our world crisis has taken a tremendous toll on me. 6. I stopped using the site immediately and dissolved my profile as much as it would allow. 7. I asked for it to be completely shut down. 8. They ( XXXX ) now claim there is no record of my attempted cancellation. 9. Due to their non-user-friendly cancellation policies, I never received a confirmation until I realized they had only canceled my I-year renewal. 10. AGAIN : Due to Covid-19 I was and still am suffering extreme financial hardship and therefore canceled my membership within the acceptable time frame. 11. Even though the cancelation process started during the accepted time frame their response time was slow, apparently ( without my knowledge ) pushing me into a " too late to cancel '' time frame. 12. There " contact us '' format did not give me a confirmation of my attempted cancelation. For the record as a side note : The XXXX temperament of the organization was off-putting as well. 
Summary : I canceled my membership due to COVID-19 causing financial hardship and I did so within the acceptable time frame. Regardless of whatever their policies state I am experiencing EXTREME financial hardship. In addition, I noticed a XXXX temperament within the website that was very off-putting. Lastly, it is disappointing that XXXX does not have policies that are current with what is happening in our world right now due to a Worldwide Pandemic but nonetheless my attempts to cancel were done within the accepted time frame. I urge them to update their policies and deal with the real world. I have sought legal counsel and my lawyer is willing to work pro bono for a limited time only as an adviser. In the plainest form... I have no money.
Consumer complaint received 2022-07-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I had a FFEL loan, although I didn't know it because XXXX was deceptive in their communications. So I refinanced with FedLoan to get my PSLF credits going. I followed all the directions provided and obtained forms from four previous employers with eligibility for the temporary PSLF program. It took some time to obtain these forms, and then three months after I submitted them to FedLoan, they informed me that they did not accept the forms I submitted without providing any details about what " additional information '' was needed on which forms, or how I could go about submitting whatever " additional information '' they demanded. 

In another development, I was expecting that after making now 20 years of payments under Income Based Repayment plans, I would be getting Loan Forgiveness based upon that 20 years of payments ( not requiring Public Service ). FedLoan has not responded in any way to my inquiries about that form of Loan Forgiveness. Instead, FedLoan has informed me that instead of being eligible for the PSLF program after 10 years of qualifying payments ( would be in XXXX  ), I will be required to continue payments until I reach age XXXX in XXXX  because I obtained a terminal degree! 

It is abundantly clear that FedLoan is not interested in fulfilling their contract with the US Department of Education. Instead they are interested in getting out of the Student Loan business as soon as possible and without completing any of the responsibilities that they have to the citizen taxpayer students like me and countless others.
Consumer complaint received 2022-07-25
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: Experian Information Solutions Inc. (TX)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-01-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC (CA)

* I took a loan out for XXXX dollars and they are charging me a 63 % interest rate and they are not working with me so I can pay off the loan faster. They are only allowing me to pay off in a short amount of time I would of never signed the loan if I knew how high the interest rate is.

I have called several times and this company will not work with you and make accommodations to get a better rate.
Consumer complaint received 2019-01-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GENTRY FINANCE CORPORATION (NV)

I have recently been a victim of identity theft and as I went over my credit report I came across this account Gentry Fin that I noticed does not belong to me. Identity theft has drastically effected my lively hood and life and im asking that this account that I have no knowledge of or did not open to please be removed and deleted as it has been reported as Fraud.
Consumer complaint received 2018-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Dear Bayview I appreciate you assisting me with tax accessor office. Unfortunately the tax information is not corrected in tax accessor records therefore updating mailing address is impossible. 

It appears to be an attempt to steal my home. There is no record in XXXX XXXX XXXX ( called today ) file that anyone filed a claim or followed procedure regarding my Condominium Rider. 

I was in bankruptcy in 2009 when my address was added to a lawsuit I was not a party of. The court corrected/void documents which no longer affect title. 

As soon as another agency/third party completes investigation and confirm my ownership a new story or letters do starts all over again.
Consumer complaint received 2019-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NV)

I submitted a complaint against Equifax XX/XX/XXXX. They leaked my info, refused to update my name after I had a legal name change, refused to send my Credit report regardless of my sending legal documents to them showing proof of my identity. 

I filed a complaint with CFPB and Equifax FINALLY updated my name and sent me a copy of my credit report. Finally, assuming that my file has been corrected, I have called repeatedly to verify that there is no longer a security freeze on my credit file, only to be told that no one can help me, that I must speak to their consumer affairs dept. I called XX/XX/XXXX at XXXX XXXX, XXXX XXXX, XXXX XXXX. I was told at these times that their " Systems were updating '' and they could not do anything to assist me. 

I called XX/XX/XXXX at XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX varying between the general customer service line and the security dept. The security dept, after verifying my identity, tells me that they can not assist me because my file has gone to the dept of " consumer affairs '' and that dept is only open XXXX m-f. I ask repeatedly for contact info for the consumer affairs dept and am told that there isn't any, the only way to contact them is to be transferred. I work in an office XXXX m-f. So I called during my lunch hour on XX/XX/XXXX at XXXX XXXX. I am transferred to the consumer affairs dept. I wait on hold for 40 minutes before I hang up and try again. I explain that I am on my lunch hour and have been waiting on hold for 40 minutes. I request someone from the consumer affairs dept contact me. I am told this is impossible. Again, I explain that my lunch hour is over in 15 minutes and I have now been on hold for 45 minutes. The person says to please hold and that they will try to contact someone in that dept. 

I wait for another 15 minutes until the end of my lunch hour, to no conclusion. 

My lease is up on my apartment XX/XX/XXXX and I can not get a new one without a credit check. Equifax is preventing me from getting housing due to their gross negligence and security failure. 

I filed a previous complaint XX/XX/XXXX with CFPB regarding the name change issue. Equifax stated XX/XX/XXXX that they are still working on it, and no update since. How long is this going to take?
Consumer complaint received 2023-03-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Early Warning Services, LLC (AL)

XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/1978 XXXX XXXX XXXX XXXX, Alabama XXXX Early Warning XXXXXXXX XXXX XXXX XXXX XXXX, Az XXXX ( XXXX ) XXXX Dear Early Warning Services, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on an Early Warnings report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see the Verifiable Proof ( an original consumer contract with my signature on it ) you have on file of the account listed below. Your failure to positively verify this account has hurt my ability to obtain banking services. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. Please verify the following account or remove it immediately : * XXXX XXXX XXXX XXXX Account # XXXX Closed for overdraft- XXXX XXXX illegally charge me overdraft fees. 
* XXXX XXXX XXXXXXXX XXXX Account # XXXX * XXXX XXXX Account # XXXX Closed-Purged- illegally charged overdraft fees. 
* Account Closed by XXXXXXXX XXXX  Account # XXXX no knowledge of this account please verify. 




Sincerely, XXXX XXXX
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

It has been brought to my attention that there is no need or no law that requires or authorizes credit card companies, data furnishers, or Consumer reporting agencies to report utilization. 

In facts pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ) which says ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting utilization is a clear violation as it is directly related to transactions and my experience with the Credit Card company. 

The accounts that need updating are XXXX XXXX  reporting 102 % utilization XXXX XXXX XXXX XXXX reporting 100 % utilization XXXX XXXX XXXX  reporting 97 % XXXX XXXX XXXX reporting 92 % XXXX XXXX reporting 73 % XXXX XXXX reporting 0 %
Consumer complaint received 2018-08-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (FL)

I XXXX XXXX am in the process of getting myself out of debt over the next year without filing for personal bankruptcy protection. I request a full modification package at this time from my mortgage service agency, where I can explain my hardship and my plans on working through it. Accordingly, I make this request through the Consumer Financial Protection Bureau to make it a matter of review to the general public to see how national banks work with the public.
Consumer complaint received 2022-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (TX)

Hello respected Official, I have refinanced with XXXX XXXX XXXX in XXXX. I have paid first payment to XXXX XXXX XXXX in XX/XX/2020 in the amount of XXXX loan is sold to HomePoint financial in XX/XX/2020. I have paid amount of XXXX in XXXX to HomePoint financial in XXXX XXXX however only one payment is applied to loan. I have reached Homepoint and XXXX XXXX XXXX to report the issue by mail and on phone as well. I have attached the proof. Please help me to resolve the issue and They should not repeat such type of false practice. thank you. 


Contact Us - Homepoint https : //www.homepointfinancial.com XXXX XXXX XXXX
Consumer complaint received 2022-07-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION (NV)

The adjudication for removal of background check in terms of financial conditions is to seek help towards credit repair in the manner of financial issues. 

Also to protect any consumers from any collection agency that holding any employment credentials of such individuals. 

The fair credit agency has been communicated purposes to solely protect the consumers from human harassment and other financial quos or issues. 

Any procurement of any credit interest shall not apply towards any consumers that would toiled nor to harm any accruing interest of any such credits vice versa. 

Your utmost of help is necessary needed. 

XXXX XXXX XXXX
Consumer complaint received 2020-02-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MD)

1 ) The mortgage servicer Shellpoint Mortgage Servicing has failed to accept and permit the submission and review for Mortgage Assistance to Mr. XXXX XXXX XXXX. XXXX XXXX RMA application was submitted 37 days prior to the sale date of XX/XX/2020. Shellpoint Mortgage Servicing stated that no additional information was needed, and that the modification would be processed properly. However instead of processing assistance application, Shellpoint Mortgage  entered a sale date of XX/XX/2020. 

2 ) Shellpoint Mortgage Servicing confirmed that XXXX XXXX modification application was complete ; however, within 10 days began to request additional information, specially a Profit and Loss form. The Profit and Loss statement has been repeat sent ; however, Shellpoint has not postponed and canceled the scheduled sale date as they indicated. they would. Shellpoint Mortgage Servicing has not honored their statements or agreements. 


3 ) Shellpoint Mortgage Servicing improperly started the foreclosure process prior to the customer, XXXX XXXX being 120 days delinquent. Federal Law requires a 120-day Pre-foreclosure period by CFPB mortgage assistance guidelines, ( per 12 CFR 1024.31 ) The promissory note or any other loan contract does not contain a due-on-sale provision, thus 120-day rule is in effect.

4 ) In addition, this constitutes dual tracking, based on the process starting before the 120-day delinquency period and Mortgage stated that file would be reviewed for mortgage assistance programs ; however instead of being reviewed, file was denied and continued to press sale date of XX/XX/2020.
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have two credit cards with Capital One, and my oldest card had two unexpected interest rates on the last twelve months without my knowledge. 
I got this card XXXX, XXXX and the interest rate was 26.99. 
In XXXX, XXXX my interest rate went up to 28.49 % and by XXXX, XXXX my interest rate went up again to 31.24 %. 
I was never informed by Capital One that my interest rates were periodically increasing and in less then two years my interest rate with card has increased 4.25 %.