davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-04
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: NAVY FEDERAL CREDIT UNION (PA)

Do to these unauthorized inquiries on my credit report iam unable to obtain a auto loan to buy a car due to the unauthorized XXXX inquiry that was taken place on my report XX/XX/22 and the unauthorized inquiry that was taken place on my report on XX/XX/22 Im unable to obtain any credit
Consumer complaint received 2023-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (NJ)

A complaint was sent to cfbp on XXXX about XXXX XXXX XXXX with the supporting documentation that the credit card account in the amount of {$13000.00} was included in a XXXX XXXX  bankruptcy and that XXXX XXXX XXXXXXXX XXXX is not following the Federal Order Respecting Amendment. XXXX XXXX XXXX responded on XXXX indicating that 'the bank has sent an update to the Credit Bureaus to have the account updated to reflect the discharged bankruptcy ' and issued an AUD control number XXXX as confirmation this update was sent to the credit reporting agencies. 
Experian still continues to report this account as delinquent and has not removed it from the credit report when it has been included on the bankruptcy. Experian still continues to indicate that the account was verified as accurate from XXXX XXXX XXXX as of XXXX and will not update my credit report to include the account in the bankruptcy.
Consumer complaint received 2022-09-19
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. (FL)

My name is XXXX XXXX, I just checked my credit report and I learned that the items I requested for your company have not yet been removed and their status on my has not yet been updated, you seem to be delaying things but I am not going to just wait because this matter of is great importance to my family. I sent the letter on XX/XX/2022, and it's been over a month now. I still haven't received any response from them or any form of update from their end. The FCRA requires the credit bureaus to investigate and respond to the letter within 30 days so this is obviously another violation of my right as a consumer!
Consumer complaint received 2018-06-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

after filing this complaint with the cfpb i received a call on XX/XX/XXXX from the presidents office of the union bank, ( the target of the complaint for title 18 issues and senior financial abuse ) threatening reprisals, including an increase in my mortgage payment, a breach of my Agreement with the bank. At present time i do not know if the Bank will accept my mortgage payment of XXXX on Monday, tomorrow. there is a need for consumer protection here .... 

XXXX XXXX
Consumer complaint received 2023-12-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (IL)

Many payments have been taken from me I asked for them to make the person who took the payments return them and the person who accepted fraudulent payments to pay me back but there is no way they are going to return my monthly payment of {$420.00} for ten months and a one time {$1200.00} payment please show me some respect
Consumer complaint received 2018-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

Experian added a late payment to my account. This payment was late in XX/XX/2011. Every time I try to obtain information on my account I am being told I need to submit proof of who I am, which I have done multiple time. Why is it that the credit reporting agencies don't request proof before putting negative information on consumers ' reports, but the consumers need to provide a wealth of information and proof to have these information removed. I need this negative information removed from my credit report. 
Yet, this is the same companies that is selling consumer information, and don't have protection on their system with the massive data breeches.
Consumer complaint received 2022-08-17
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. (TX)

I am a natural person, I am a living human being, I have the rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the account listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish this account. 

XXXX XXXX XXXX
Consumer complaint received 2023-04-12
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. (GA)

In accordance with the Fair Credit reporting Act, XXXX XXXX {$3000.00} # XXXX, XXXX XXXX {$600.00} # XXXX has violated my rights. 15 U.S.C. 1681 Section 602A. States I have the right to privacy 15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer agency can not furnish an account without my written consent
Consumer complaint received 2022-04-04
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. (PA)

I reviewed my report and I dont recognize the following accounts. filed a dispute with Equifax and it has been over 30 days since their investigation I'm demand that these accounts are deleted from my report asap.
Consumer complaint received 2020-09-16
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (AL)

On XX/XX/2020, I purchased a lawn mower from Home Depot for {$440.00} dollars. They advertised {$50.00} credit for a purchase of {$300.00} or more if i sign up for their credit card. The credit card company offering this is CitiBank. Now Home Depot offered {$5.00} off my purchase if i signed up to recieve email notifications so I signed up for that. Home Depot states that they are denying my {$50.00} credit for signing up for the credit card because they gave me {$5.00} off for signing up for email notifications. This is bait and switch. Both are legitimate offers and followed the rules when applying for each. There is nothing that states these two separates deals may not bed used together because they are unrelated. One is for HomeDepot, the other is CitiBank. I am asking Home Depot to apply the {$50.00} dollar credit that is owed to me for singing up  for the credit card. If they wish, they can deny my XXXX dollar off coupon and I can use it for my next purchase but the {$50.00} credit is owed to me since was approved for their credit card.
Consumer complaint received 2019-03-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AZ)

My FHA home loan was sold to Mr. Cooper approximately a month ago. I setup a password and 1 security question. I have since forgotten the password and when I request a password reset, I MUST answer the security question correctly, except after 25 attempts I clearly do not know my security question response. There is no other way to get a password reset. I called Mr. Cooper and each time I use the VR to request an agent I get a recording stating volumes are too high, the wait would be too long please call back later, with NO offer of a callback, the VR the drops the call. No voicemail message can be left. I have called back more than 10 times on different days and always the same message of volume too high, call back later and then the call is cut off. It does tell me I can service the loan on the web ( the irony! ). The last time I called it was 10 minutes before their stated close time and I received a message saying they were already closed. I am completely unimpressed with Mr. Cooper as a loan servicer. 

I can not get statements and I have lost an opportunity on a loan I was in the process of procuring because I could not provide my most current mortgage statement, since I am paperless and need to get them through the website. 

I am not late on my payment, as I did have the payment set up for auto-withdrawl.
Consumer complaint received 2022-04-04
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: Atlanticus Services Corporation (VA)

I have credit monitoring service which alerted me on XX/XX/2022 about a credit query to XXXX from XXXX, Since I did not initiate or recognize I put a freeze on my credit report for all three credit bureau XXXX I also called Fortiva next business day to enquire and I was told there is account being opened under my SSN so I was relieved but on XX/XX/XXXX I got another new account open alter, then I contacted Fortiva again - this time they told me yes there is credit card issued under my SSN for {$5000.00} limit, So I told the customer rep about previous call where I was told no account was being opened how could this happen for which I was transferred to fraud depart where they verified how I am and told they will fix it right away and notify all three credit bureau. Due to my previous call experience with Fortiva I wanted to be sure this time so after 3 days I followed up again to my surprise nothing was done and they asked me to submit a notarized fraudulent application affidavit which I did and now I been told they need another 60 to 90 days to investigate the issue. I can not relay on Fortiva so I am asking for help here.
Consumer complaint received 2018-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

The reason I am requesting an investigation by your agency is due to TransUnion customer service department would not help and take care of the negative inquiries reporting to my credit report.

1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6.XXXX XXXX XXXX 7 . XXXX XXXX XXXX
Consumer complaint received 2018-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I deposited around usd 1500 at atm location XXXX on XX/XX/2018 at XXXX in XXXX , Ohio - aid:XXXX ( deposit exception record ). XXXX XXXX or its employee took this money and is not giving me this money.
Consumer complaint received 2020-09-16
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 — Problem with personal statement of dispute
Company: Allegiant Capital Recovery LLC (MD)

XXXX XXXX has reported an account I never was able to dispute. When I contacted them, they told me the collection was with XXXX XXXX XXXX. I attempted to reach them and was unsuccessful. I filed a complaint and their response was they didnt report it and my debt is with another company. Again, I was not notified from the Creditor or the agency of this debt at all in no form or fashion.
Consumer complaint received 2019-10-09
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: Experian Information Solutions Inc. (AZ)

The following credit inquiries listed on my Experian credit report are fraudulent and unauthorized : XXXX XXXX, XX/XX/2019 and XXXX  XXXX XXXX, XX/XX/2019
Consumer complaint received 2019-04-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES (WI)

I pulled a Parent Plus Loan so my son could attend college in XX/XX/XXXX. At the time of repayment which began around XX/XX/XXXXish I was told if we set it up for autopay we would get a .5 % reduction on the interest rate. We set it up for auto pay. The loan was in my name but my son is helping repay this loan. When my son go into some financial issues they encouraged us to put the loan in forbearance. When he got back on track we started paying loan again. I was told because we put the loan in forbearance that we lost the .5 % rate reduction which was never explained prior to this. At this point we have been paying this loan for years. To date not XXXX XXXX has been deducted from the original loan. I called to inquire what was going on and was told that unless we pay additional money each month over and above what set payment is, the loan would never reduce. Again this was never explained. So why would they set the loan payment at the rate that will never pay off the loan. This is a complete crime and should be against the law. There is not one program out there that is of any help to us regarding this loan and it will NEVER get repaid unless we win the lottery. How can this be legal?
Consumer complaint received 2022-04-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (TX)

Fay Servicing is blocking me from getting access to government modification programs to help me save my home from foreclosure. I have tried to work with them and sent them payments in XXXX and XXXX but they send them back to me and don't give me a chance. They reviewed me for modification in XXXX after I had been in Covid forbearance program but told me the income was too low, but they did not have the right information. My financial circumstances have changed and I can afford a fair payment to fix this problem but they don't care and move forward with foreclosure on XX/XX/XXXX. I have this home for 20 years and never have problems with payments until hurricane in XXXX and I fall behind. I talk to XXXX XXXX about this and they understand but told me that I have to get into a plan with them to fix the problem and when I try to do this the loan gets transferred to XXXX. I try to fix things with XXXX and have a job plus my graphic design business and start working with them but then the loan gets transferred to Fay Servicing. I ask for help but they tell me I need to wait a couple months to apply because they need time to set me up in their system. Then I lose my job at event planning company because of Covid and tell Fay and they give me 6 months forbearance through government program. After that ends I have a new job as customer service agent and apply for help but they tell me I do not qualify and say because I have equity in my house they won't work with me. This was a XXXX XXXX XXXX I don't think that is a XXXX XXXX rule. I apply again in XXXX but this time they say sorry, you do not have enough income for any programs, but when I ask what income they tell me the wrong number which is much lower than correct income. Then they try to sell my house at foreclosure and I had to file bankruptcy to stop them. 

I have owned this home for 20 years and I am very proud of it. I refinanced in XXXX into 15 year loan so I could pay off faster and never had a problem with payments until the hurricane comes in XXXX. Yes I am sorry I miss the payments but business in XXXX was wiped out and I could not do anything for a few months. As soon as I am doing OK I try to fix this but then the loan goes from XXXX XXXX to XXXX  then to Fay Servicing. Then I have problems with Covid and lose my job. I am doing fine now and my income from customer service job and my graphic design business is dependable and I can afford a fair payment if they will work with me. Why do they block me from help? Why do they set a new sale date for my house? Why do they do this on a XXXX XXXX loan? One agent says the loan is not with XXXX XXXX  anymore but now private investor, how can a XXXX XXXX loan get sold to a private investor while it is still active? Is this legal?
Consumer complaint received 2022-04-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX I traded in a XXXX XXXX XXXX. After speaking with the dealership XXXX XXXX located in XXXX XXXX Utah they cut a check for the payoff amount on XX/XX/XXXX. I have attemped to resolve the issue with XXXX XXXX and Chase Auto loan on mulitple occasions. Chase Auto Loan has told me on the phone that they are extremely understaffed and that the Auto Loan payoff is NOT going to happen any time soon. This is unacceptable. The car will be sold to a new buyer and put under a new loan before mine is even paid off. As of today XX/XX/XXXX XXXX calendar days have passed and 15 business days. This is a problem for Chase bank and their staffing shortages. It will negatively effect my credit and nothing is being done about it. Again, the response is unfavorable from Chase!
Consumer complaint received 2023-07-11
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: Experian Information Solutions Inc. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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Consumer complaint received 2022-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION (DE)

I recently checked my credit report and noticed that this company Axcess Financial ( Axcssfn/Cngo ) is reporting derogatory remarks on my XXXX credit file. I attempted to contact the company circa XXXX XXXX to validate this alleged debt and i received no response. I consider this to be fraud.
Consumer complaint received 2020-09-16
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: Experian Information Solutions Inc. (WI)

After reviewing my credit report I noticed XXXX XXXX was showing a charge off for a credit card. I also noticer the same account was showing under XXXX XXXX XXXX. 

On XXXX I called XXXX XXXX and made them aware of this being fraud. They advised me they no longer own the account. It was sold to XXXX XXXX on XXXX. XXXX was collecting on behalf of XXXX. 

I called XXXX and forwarded them the p [ police report and affidavit they requested. On XXXX they reviewed and after investigation closed the account and deleted the trade line from my bureaus. 

On XXXX I called again to XXXX XXXX. They advised me they could not delete trade line and I needed to call XXXX who was the owner of the account. 

On XXXX I called again to XXXX XXXX and they advised me they would send an email to an internal dept, but didn't think they could have it removed. 

I would like the trade line removed from XXXX XXXX as the account was fraud do to ID theft and furthermore they no longer own the account.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AR)

On XXXX I contacted XXXX Experian and XXXX in regards to incorrect information being on my Credit Reports as a result of Identity Theft and Fraud. I submitted the Police Report, The FTC Identity Theft Report along with copies of my State Issued ID Social Security Cards and Utility Bills showing proof of residency. On XXXX I received updates from Experian, XXXX, and XXXX in regards to the accounts showing that they had been removed from my file. I also received a letter from the Creditor stating that the Fraudulent Accounts would be removed. On XXXX I received results from Experian stating that the account was REMOVED. Moving forward into XX/XX/2022 a Employer Credit Check was pulled, and the account is back listed on my report as well as listed on XXXX, and XXXX and it was perviously REMOVED. How was this account reinserted back onto my credit file without my acknowledgement when the account was REMOVED at the Creditors Request as Fraud. I have since tried to contact Experian, XXXX, and XXXX back in regards to the issues I'm having, but I have not been successful. Each Credit Bureau is neglecting to remove the accounts from my Credit File even after receiving the proper proof that the account was Fraudulently opened Bank XXXX XXXX XXXX XXXX. I have attached proof of my previous dispute results.