davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-31
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. (MD)

When I went car dealership the dealership said they was going check my credit and its 2 inquiries I never seen or no knowledge of. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (OH)

Comeity Bank which is used for my Lane Bryant has had a system outage since XX/XX/XXXX it is now XX/XX/XXXX and they keep with drawing money from my account. I can not get a hold of customer service for 10 days as there system has been out.
Consumer complaint received 2018-05-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Army and Air Force Exchange Service (FL)

For approximately 14 months, Army and Air Force Exchange Services ( AAFES ) has been collecting a debt owed. The statement comes from the AAFES   collection Department. They are charging XXXX $ each month. They are only applying XXXX $ to the account. When I called today, XX/XX/2018, to ask about this, they told me I had to contact XXXX XXXX XXXX ( XXXX   ) who is the actual holder of the debt collection. XXXX   informed me that there is a {$24.00} transaction fee. When I asked for a payoff amount, they said they couldn't give me one and i needed to contact AAFES. This seems like a very illegal practice for them to charge me for a fee when the other company is the holder or vice versa. I also asked for a history of statements to verify if this has been going on the whole time and both AAFES and XXXX said the other could provide.
Consumer complaint received 2022-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-08-08
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Elite Financial Services, Inc. (MO)

Today : XX/XX/18 I tried to call and resolve my debt and the debt collector was rude, antagonized, and belittled me, and when I said I would review my finances and call back in a couple of days he told me they would mark the account as a refusal to pay and hung up on me. I proceeded to call back and insist that I did NOT want a cease and desist placed on my account, that I wanted to pay it, but needed a couple of days to review my finances to which he responded reviewing finances does not take a few days, the debt is delinquent, and if I was serious about paying it I would pay it now, he then proceeded to tell me not to call back, and hung up on me a second time. I reached out in good faith to resolve this, and was insulted, belittled, and told that I would not be able to resolve it.
Consumer complaint received 2022-03-09
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: World Acceptance Corporation (MO)

A cease & desist was sent to the debt collector. According to 15 usc 1692c you are prohibited from communicating with me. The debt collector is still communicating indirectly through my consumer report. The debt collector only has a right to report if I have given them consent. I have never given this debt collector consent to report anything to my consumer report. According to 1692c ( b ), you have to have my consent which I DID NOT give.

According to 15 usc 1692k ( a ) ( 1 ) a debt collector who has violated any provision of the FDCPA Is liable for actual damages. You are reporting several accounts. According to 15 usc 1692k ( 2 ) ( A ) it would be {$1000.00} per violation. 

I will not hesitate to file a suit if you continue to break FEDERAL LAW and violate my rights.
Consumer complaint received 2020-07-31
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. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report.
Consumer complaint received 2020-02-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (FL)

I received your letter regarding the dispute I have with XXXX XXXX, which states they confirmed that I owe a balance of {$300.00} in which I am still disputing. They seem to have this as an open account which is not true so you have been given information under false pretense. When my contract with them ended I immediately went with another provider. I returned their equipment and paid what I owed ( so I thought ). Months later I began receiving a bill. I called several times regarding the bill and asked for a print out to show my payment history. I was told every time I called one would be provided. It never was. Now it would appear to me if Im asking for a print out to show proof that I owe this amount why cant the information be provided? 
This account has been closed for years, however, you stated your investigation is complete and the information was true as given to you so I am asking you to please share with me the documented proof that I owe this amount and I dont have a problem paying even though my experience with the was not a pleasant one. If this evidence would have been provided at the time requested this situation would have been resolved.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is XXXX XXXX XXXX, and I appreciate you taking the time to repair and update some accounts from my credit report ; however, there are still accounts that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are fixed. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-03-09
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. (GA)

I, XXXX XXXX, AM A VICTIM OF FRAUDULENT ACCOUNTS REPORTING ON MY CREDIT PROFILE, THAT NEED TO BE REMOVED IMMEDIATELY. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.
Consumer complaint received 2018-08-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CA)

I have a POA ( Power Of Attorney ) to act on behalf of XXXX XXXX XXXX, the father whose daughter, XXXX XXXX, was a student who passed away in 2015. The father was the co-signer and has continued making payments since his daughter 's death. 

Since last year, I have been in continued contact with AES ( American Education Services ), the current student loan processor, seeking loan forgiveness. 

Except for this loan, all of the student 's other private student loans were forgiven due to death. 

In XXXX of last year, I'd located and contacted the original lender ( XXXX XXXX  ). I was told that XXXX  's policy is to forgive student loans when the student borrower passes away. Unfortunately, XXXX had sold the loan and had no record of whom it had been sold to. XXXX had no record of when the loan was sold ( ie. before or after the date of the student 's death ). XXXX told me that they had changed computer systems and loan processors and dated records no longer exist. I was directed to their current loan processor, AES, with whom I had already initiated contact. 

It took most of last year, to locate the loan with AES, to get them to agree that the loan should be forgiven, and to get them to request loan forgiveness. It also took most of the year before AES would divulge to me that XXXX owns the loan. Since last year, I have made THREE formal requests via AES to have the loan forgiven due to death. Each time, AES has sent a letter to XXXX making a formal request for loan forgiveness. XXXX has not responded to any of the requests that AES has made. 

The student was the father 's only child ; thus, the loss was and continues to be extremely traumatic. Every time that he made a payment, he relived the loss of his only child and grieves. I've explained this to AES countless times. In fact, the grief was so great that the father, against my advice, PREPAID a significant portion of the loan just to avoid the pain at payment time. 

Based on research that I've done, I believe that XXXX  has lost all records ( ownership paperwork ) for this student loan. XXXX 's failure to maintain or locate the loan record should NOT prevent them from forgiving the loan. 

I've attached a copy of an AES letter to me. This letter contains copies of AES letters sent to the father confirming the last two formal requests that I'd made to AES for loan forgiveness from XXXX. These documents have all of the relevant information needed to identify the loan.
Consumer complaint received 2018-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I have contacted XXXX, XXXX, and Experian via phone, online, and by certified letters on many occasions in regards to the bankruptcy, the late reports from XXXX XXXXXXXX, XXXX and XXXX. I have informed them that the bankruptcy and the late payments aren't associated with me and I have been fighting it since I noticed the inaccurate listing on my credit report. This listing is making it impossible for me to build an excellent credit history because it's being reported negatively. I have reached out to them stating the bankruptcy isn't mine and the late accounts have never been late with disputed them multiple times and nothing is being done. 

Also it should be noted that I filed a FTC complaint since my identity was stolen and my credit was checked without my permission last year. A fraud alert was placed on my account and XXXX XXXX XXXX was able to pull my credit report from XXXX on XX/XX/XXXX18 and nobody called to confirm if I was opening up a new account.
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NV)

I have made the initiative to review my credit report and upon my investigation I have identified an inaccurate item that has been placed on my report. Please be aware that the account referenced above is an account which has been discharged and dismissed under 11 U.S.C 1328 ( a ) and is still reporting as a derogatory on my credit file. This account needs to be removed from my credit report immediately. I was unaware of the account on my file until I wanted to get an update on my scores
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2022-03-09
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: EQUIFAX, INC. (FL)

XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2018-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have contacted Transunion, XXXX, and XXXX via phone, online, and by certified letters on many occasions in regards to the bankruptcy, the late reports from XXXX XXXXXXXX, XXXX and XXXX. I have informed them that the bankruptcy and the late payments aren't associated with me and I have been fighting it since I noticed the inaccurate listing on my credit report. This listing is making it impossible for me to build an excellent credit history because it's being reported negatively. I have reached out to them stating the bankruptcy isn't mine and the late accounts have never been late with disputed them multiple times and nothing is being done. 

Also it should be noted that I filed a FTC complaint since my identity was stolen and my credit was checked without my permission last year. A fraud alert was placed on my account and XXXX XXXX XXXX was able to pull my credit report from XXXX on XXXX-XXXX-18 and nobody called to confirm if I was opening up a new account.
Consumer complaint received 2018-08-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (GA)

We took out a loan with One Main Financial in XXXX Ga on XX/XX/2018. We went and paid off the loan yesterday. The loan amount was XXXX plus a XXXX processing fee. They financed XXXX dollars which we were not aware of what exactly went on with that as XXXX of it was a life insurance policy and the other was for XXXX for home and auto insurance. However a check was cut for this last amount and my husband and I had to sign the check and One Main kept it although our loan papers say it was given to us and was not ... The interest rate is 36 percent a year on the loan. But as I said we paid it off not even one month later. Our payoff was XXXX. This is XXXX dollars in interest for less than one month  of a loan. In addition they claim they took off the XXXX insurance check as it is refundable to us when we pay off the loan. So in all One Main is  saying we paid them over 1200 dollars in interest for a loan that is less than one month old. This seems like a scam and a rip off. Had we had the loan longer I could see the high interest charge but the 36 percent in the papers says it is a yearly interest rate so it makes no sense. Seems like we should have paid XXXX or something in that area, not XXXX in all for a loan less than one month old. I would like this investigated please.
Consumer complaint received 2018-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BMO Bank, N.A. (FL)

I opened BMO Harris Premium Rewards credit card on XX/XX/18. 
It was advertised that I was supposed to get XXXX points ( {$300.00} value ) after spending {$2500.00} within first 3 months. I have met that requirement, but never received this bonus. 
When I contacted the bank they closed my card for no reason and responded that I couldn't get bonus because my card was closed. I have not violated any rules and met the bonus requirement, so I consider their decision a violation of their advertisement. I suspect they closed my card simply to avoid the bonus payment.
Consumer complaint received 2015-11-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

I have been trying to obtain a modification from my old lender XXXX XXXX XXXX since XXXX XXXX when my loan defaulted because of past due property taxes. We believed that when he got our XXXX loan that the taxes was impounded. Once XXXX took over the loan and the 5 year statute passed for past due property taxes ; XXXX XXXX XXXX sent us a letter advising us that we was {$60000.00}. in debt for property taxes. Our payment went from {$3400.00} to {$10000.00}. We tried to ask XXXX to help us but they only tried to adjust the escrow which dropped the payments to about {$8500.00} which we still could not afford. We tried for three and a half years to get a modification with XXXX XXXX XXXX with no success. First they say we had too much income, then they said it was n't enough income. Lot 's of back and forth. Then in XXXX XXXX ; the sold the loan to US Bank, serviced by XXXX loan servicing. We have now been trying with no luck or success with them. They have denied the XXXX modification packets that was submitted in XXXX and the XXXX that was sent by our representative. We do n't know what to do and were afraid they will foreclose on our home. We tried to explain that we were part of the predatory lending from XXXX, but it appears that they do n't want to help us. Our loan is now XXXX years past due with lots of fees and costs. They are refusing to entertain any offers. They offered us a modification after they denied our request four times. Then started foreclosure proceedings on XXXX XXXX, XXXX ; right after they denied our appeal. One week after we resubmitted an appeal it was again denied and then on XXXX XXXX, XXXX they offered us a modification. The agreement was that we would have to come up with {$220000.00} in past due fees and costs. We would have a mortgage payment of {$8200.00}. We ca n't afford that. I believe they just offered us this so that we could show our inability to pay this agreed modification. No principal reduction, balance put to back of loan, no consideration for our income and expenses. I want someone to get involved because XXXX XXXX XXXX washed their hands of us and this new servicer ; is unwilling to help us. They only want to sell our house. We just want a fair offer. We asked for them if we could pay back {$100000.00} towards the default, provide us principal forgiveness in the amount of {$280000.00} ; to put the balance of our property taxes in the amount of {$24000.00} to the back of the loan and keep our payments roughly about {$5100.00}. They refused as well. We may have to file a lawsuit to stop them from selling our home. They are not following none of the guidelines that was set up in the us settlement lawsuit against the major banks. They are not trying to work with us at all. Can someone please help us with USBank and XXXX loan servicing. Time is of the essence and we are afraid that they will try to foreclose on us this month.
Consumer complaint received 2019-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO. (CA)

I have been a victim of identity theft. Chase bank wants to charge me for the unauthorized transactions of approximately {$1000.00} I did not make, eventhough I am showing them a police report.