davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-12
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (GA)

Was behind on mortgage before given a forbearance when I came out was required to pay the entire amount. I had funds to bring account current less the amount that added up during the forbearance but wasnt allowed to make payments. They wanted all or nothing. Tried for a modification but the results would have increase my payments They dont modifly with the results being higher payments. House is in foreclosure. 
They insist all or nothing.Other who came out of forclosure are being given repayment plans and remods.
Consumer complaint received 2022-06-18
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. (CO)

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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-18
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. (CO)

In accordance with the Fair Credit Reporting act 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-18
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (NY)

the company ONE MAIN financial has been charging me exuberant fees on top of that they call my work place and call my friends regarding my debt and they dont stop calling me whenever i get a late payment and reported me delinquent inspite of talking to the company and making them fully aware that I will be paying late but i will make sure i pay and now they reported my account delinquent were in i was just paying late due to being affected by covid starting from 2020 and did not get paid.

I informed them about options where they can help mebut declined and stated that they can not help me!
Consumer complaint received 2018-11-12
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I get repeated phone calls from a company called PORTFOLIO RECOV ASSOC. They call repeatedly and have managed to contact and harass my girlfriends phone number. I don't know who they are and I have no debt with them. They have yet to provide any proof and again I do not have any type of debt with them.
Consumer complaint received 2017-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

From what I understand, starting in XXXX XXXX, Hunter Warfield initiated reporting an account on behalf of XXXX XXXX XXXX that is wholly inaccurate and only getting worse. The original debt was listed as {$1800.00} and last reported, XXXX XXXX, as {$2000.00}. I disputed it a number of times explaining I do n't owe anything to XXXX. This debt is not my responsibility, nor is the ever-growing balance, yet H.W.  continues to verify it when I dispute the account to the various reporting bureaus. They have yet to explain the increase in the amount, nor have they provided any validation of the debt in response to my disputes.
Consumer complaint received 2019-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (TN)

Recently, there was a collection added to my credit report from AmSher Collections that I DO NOT owe. I mailed AmSher a certified letter asking them to verify this debt that I supposedly owe to XXXX XXXX XXXX XXXX. They were unable to verify this supposed debt in a mailed reply in which I attached to this complaint. 

1- The letter is addressed to XXXX XXXX XXXX . This is NOT my name. 
2- I have NEVER had XXXX XXXX XXXX services. There is no history of XXXX XXXX XXXX services at my address. 
3- They have no copy of signature. Why? Because I never signed anything to get XXXX XXXX XXXX services. They are trying to charge me for someone else 's debt!!!!!
Consumer complaint received 2019-09-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NY)

1. XXXX XXXX XXXX XXXX as Trustee for the Bebefit of the XXXX XXXX Asset Backed certificates, Series XXXX1 2. Specialized Loan Servicing 3. XXXX XXXX XXXX 4. XXXX 5. XXXX County Clerks Office 6. New York State Court,  XXXX New York 7. New York Bankruptcy Court, XXXX, New York I have been in a 12 year battle against mortgage fraud. I am facing an illegal foreclosure. 
The above entities along with their attorneys have relentlessly pursued me to illegally gain possesion of my home. Attached you will find evidence and facts.
Consumer complaint received 2017-11-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I had a car loan with Capital One Auto Finance I purchased a XXXX XXXX XXXX. I took out XXXX XXXX when I purchased the vehicle. I had a XXXX XXXX in XXXX XXXX and the insurance declared my car a total XXXX. I filed a claim with my insurance company, XXXX XXXX. XXXX requested a payoff from Capital One Auto Finance they paid what the value of the car was at the time. XXXX XXXX covered the remainder amount owed. Capital One Auto Finance is reporting that I owe them more money when my account was paid in full through XXXX and XXXX XXXX. I want this account removed from my XXXX Credit Report. My loan with Capital One Auto Finance was satisfied in XXXX through XXXX and XXXX XXXX.
Consumer complaint received 2019-09-03
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. (PA)

XXXX XXXX, XXXX, XXXX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Above  companies as a result of data breach in 2017 were fraudulent and should be removed from all credit agencies. Thank you for your help. 

XXXX XXXX XXXX and XXXX has 10 late payments that should be removed. Payments were as a result of identity theft issues and fraudulent accounts. The late payments are causing discrimination and we are unable to refinance or get loans, credit cards, credit because of the identity theft and financial ramifications. Our lives have been ruined and we need help with clearing our name and restoring our credit.
Consumer complaint received 2017-01-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I 'm writing in regards to a response received for a dispute filed with TransUnion. I have been disputing since XX/XX/2016 information on my credit report regarding XXXX creditors - XXXX, XXXX/XXXX and XXXX. TransUnion has responded saying " XXXX-CONSUMER DISAGREES. '' They did not address the specific question I asked about. I was not asking for verification or accuracy of the accounts. My specific issue stated I consolidated XXXX loans, per the loan consolidation features, the loans that were consolidated should show a XXXX balance ( which it does ) and payment history removed. This has not happened, and was not addressed by TransUnion. Secondly, 1 of the creditors ( XXXX/XXXX ) is incorrect. The lender for that account is not XXXX. I even contacted XXXX, provided my SSN and they are unable to locate anything in my name with them. On this alone, this should be removed, but this was completely ignored by TransUnion. 
In summary, XXXX/XXXX is incorrect, and this fact was ignored by TransUnion. The other accounts were addressed but my letter and specific points were not, nor was any proof of documentation provided. 
I have attached a copy of my letter sent to TransUnion as well as their response. Also included is my identity verification. 
Thank You, XXXX XXXX
Consumer complaint received 2022-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

In XXXX of XXXX, I requested Citibank stop paying XXXX XXXX XXXX  ( XXXX ) {$44.00} to attend weekly meetings due to Covid. Initially, the undersigned thought XXXX would stop debiting the undersigned 's account since they were not able to have in-person weekly meetings. 

Here it is a year later and XXXX is still taking money out of the undersigned 's checking account. The undersigned has contacted Citibank and XXXX XXXX and they are still taking money out of my account. I put in another claim regarding the matter on XX/XX/XXXX and Citibank still continues to pay XXXX. 

My debit card has been changed 2 times to deal with this matter. XXXX in the XXXX informed the undersigned that although, I changed my debit card twice XXXX has a way to get my new credit card number from Citibank. This is so wrong. Please help. 

I can be reached at XXXX XXXX
Consumer complaint received 2023-03-22
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. (NY)

XXXX XXXX XXXX Account XXXX XXXXXXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX Account XXXX XXXXXXXX In accordance with the Fair reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 usc 1681 15 U.S.C. 1681 section 602 A states i have the rights to privacyUnder section 604 ( a ) ( 3 ), a consumer reporting company may provide a consumer report when it has reason to believe that the user requesting the report has one of the permissible purposes specified therein with respect to the consumer who is the subject of the user 's request.Jul 12, 2022 15 U.S.C. 1681 section 604. It also states a consumer agency can not furnish a account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) & 15 U.S.C 1681 -2 ( A ) ( I ) A A Person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-11-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion continues to report inaccurate information on my credit report. TransUnion responded that the debt was verified. How is this possible? What was your method for verification? Who did you contact? 

I have disputed this account several times requesting physical verification from XXXX. I mailed all letters certified mail with signed return receipt in XXXX, XXXX, and XX/XX/2018. I do not have a legal agreement/contract with XXXX to pay this debt. I asked them several times to remove this account from my credit report. Per my rights, I requested a copy of the original consumer contract with my signature that says I agreed to pay XXXX. XXXX refuses to provide me a copy. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original signed consumer contract for any and all accounts you post on a credit report within 30 days. Since XXXX refuses to provide me a copy of a legal agreement with my signature that says I agreed to pay their company for this debt, they must REMOVE this account from my credit report. 

XXXX has and continues to violate my rights according to the FCRA. XXXX is illegally reporting this account on my credit report without the legal verification required by the law ( FCRA ). Please remove the following account from my credit report immediately : Account # XXXX Currently, I do not have a lawsuit pending but I will exercise my rights if XXXX continues to violate my rights under the FCRA and fails to comply with the law. According to FCRA, I may recover actual damages or statutory damages. Statutory damages are up to 1,000 dollars per violation. Under the FCRA, I am also entitled to attorney 's fees and punitive damages. The company has to pay my lawyer, in addition to their lawyer, as compensation for breaking the law. They will also have to pay litigation costs.
Consumer complaint received 2019-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I sent the following letter to HSBC and now I am requesting CFPB further assistance : This letter is to request a Removal of my Negative Standing with HSBC for my credit card ending in XXXX, specifically the returned check status. HSBC negligently flagged my account with a returned check status without performing proper due diligence. In early XXXX, I was offered a promotion of a 0 % APR for 12 months. In order to take advantage of historically low interest rates, I made an attempt to exercise this offer by first paying off my current balance. A customer service representative notified me that my current balance was {$340.00} so I made the respective payment on XX/XX/2019. However, I quickly realized that this amount was incorrect & I immediately called my bank and cancelled this payment and re-issued the correct payment amount of {$380.00} ( see attachment ). I made this correction because I was misinformed by HSBC & as a result, my credit profile shouldnt be affected with a non-payment status. 
I was declined a credit limit increase due to the returned check status but I made significant amount of attempts to resolve this issue with HSBC. However, no one from customer service made efforts to research this mistake and flaw in the system and resolve this matter. 
Enclosures : 1. Copy of letter from HSBC denying me credit due to non-payment. 
I have sent a copy of this letter to the Consumer Financial Protection Bureau & have requested their assistance with this matter as I have exhausted all of my resources as a customer. 
I am requesting that HSBC remove the returned checks status from my account ending XXXX so that we can proceed with a credit limit increase as my XXXX score is significantly high. 
XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX
Consumer complaint received 2022-06-18
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX, XXXX XXXXXXXX, 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 2022-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account, XXXX  XXXX, XXXX  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 2018-05-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I submitted an investigation request to XXXX and Trans Union on XX/XX/XXXX. They were supposed to respond within 30 days, but they have not.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-12
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: Experian Information Solutions Inc. (TX)

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 a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

I demand to see the Verifiable Proo you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. 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 accounts listed below. 

I demand the following accounts be verified or removed immediately. 

1. This account has been settled and paid. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. This account has been settled and paid. 
DEPTEDXXXX  Account NumbeXXXX : XXXX Please remove it from my credit report. 

3. This account has been settled and paid. 
XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. This account has been settled and paid. 
DEPTEDXXXX Account Numbers : XXXX XXXX Please remove it from my credit report. 

5. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
6. The following account was a Charge-off. Balance should be XXXX. 
XXXX Account Number : XXXX Please remove it from my credit report. 

7. The following account was a Charge-off. Balance should be XXXX. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 



* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (SC)

On XX/XX/2023 I mailed an endorsed bill, Power of attorney, Federal reserve act 16, and instructionals ( claim of credits ) indicating to apply the principals balance to the principal 's account for each and every billing cycle for set-off. I also instructed the XXXX XXXX XXXX to communicate in writing within 5 business days once instructions are completed. If instructions are not completed, I instructed the XXXX XXXX XXXX to respond in writing within 5 business days giving a reason for non-performance of fiduciary duties. If no communication is made within 5 business days I can assume that instructions have been completed.They received letter on XX/XX/2023. ( tracking # XXXX ) Never got any response. On XX/XX/2023 I mailed another endorsed bill, federal reserve act XXXX ( XXXX XXXX XXXX ) and instructionals ( opportunity to cure ) stating the same thing as the first packet that I mailed. They received on XX/XX/2023. ( tracking # XXXX ) Still got no response on the issue or that it has been complete. On XX/XX/2023 I mailed another endorsed bill, Federal reserve act 16, 29, and the same instructionals as above. ( Notice of Default ) They received a packet on XX/XX/2023. ( tracking # XXXX ) Still no response and still have not credited my account.
Consumer complaint received 2018-11-08
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

Ok..the lease for the XXXX XX/XX/XXXX.will be complet..XX/XX/XXXX..they repossition the car from my house..when the car is complet lease payments..now they allegy that i need to pay it in full..i be cery worry about it situation.
Consumer complaint received 2022-06-18
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: ENCORE CAPITAL GROUP INC. (IN)

In XXXX of 2021 I tried applying for a loan to buy a home. I had originally disputed my debt with Midland and this was causing issues when trying to be approved for the house loan. I contacted Midland and they agreed to remove the dispute since I was in a payment plan. Here it is a year later and now I CAN NOT be approved for a home loan because of this account being in dispute. I contacted Midland again and they said that there is no dispute since Im in a payment plan and they can see that. I have a picture of this conversation. If the dispute can not be removed from the account and its causing me this many issues, then I no longer need to be making payments on this account.
Consumer complaint received 2022-06-18
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. (WI)

In accordance with the Fair Credit Reporting Act XXXX account xxxxxxxxxxxx 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 : states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-18
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. (OH)

The following identity theft report no. XXXX identifies the incorrect accounts. I did not consent to, authorize nor benefit from any of the following accounts. I am demanding that the following accounts be removed. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact thereof exist. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX