davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

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 2022-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MN)

We obtained a Covid mortgage forbearance in XX/XX/XXXX from XXXX. The loan was subsequently transferred to LoanCare for servicing. In XX/XX/XXXX, we received a document stating the loan had been modified and would be coming out of forbearance. We subsequently signed, notarized and mailed a loan modification document as requested. When we continued to make payments, they were not reflected on the LoanCare website. We were advised that our payments were being held " somewhere '' until the process resolved. Later, when we were variously advised that LoanCare could either not locate the modification documents or that they contained errors, we were asked to sign and notarize an entire second set of loan modification documents. Loan Care failed to produce a current account history to enable us to re-finance this mortgage at a lower rate, which was the sole reason our refinance did not go through, leading to thousands of dollars in additional costs over the lifetime of the loan. 

Since XX/XX/XXXX, we have spent countless hours on the phone with XXXXLoanCare representatives to resolve this issue. We have received inconsistent instructions and documents in the mail with inaccurate dates and deadlines to sign from XXXXLoanCare. XXXX/LoanCare representatives advised us to stop payments. 

We are now receiving threats of foreclosure in the mail claiming that they have failed to make payments on the loan. At one point, we spoke with XXXX who represented herself to be a supervisor of supervisors in the Loan Modification Department. XXXX claimed she would be our " advocate '' and apologized for everything that had happened on the account. She claimed she would call us back and resolve all of the issues with the underwriting department. She has refused to provide an extension or direct number to contact her. She has not resolved the issue. 

During XX/XX/XXXX, our lawyer has repeatedly attempted to reach XXXX. She spoke with supervisor XXXX who sent XXXX a direct message to call me back. XXXX advised that she was working on the file and knew about the issues and that it would be best to wait to talk to XXXX about the file. Most recently, on XX/XX/XXXX, our lawyer left another message with a representative to ask XXXX to call her back. She has failed to return the call, despite the issues with the Loan. 

To date, the issues with this XXXX have not been resolved in spite of our diligent efforts. Instead, XXXXLoanCare has XXXX reported missed payments to credit bureaus to the detriment of my clients ' credit. XXXX/LoanCare merely continues to send confusing letters advising that they do not have enough information to resolve the credit bureau reporting issues. XXXXLoanCare has failed to send the correct loan modification documents after repeatedly promising to do so. XXXXLoanCare 's failure to remedy the situation in a timely manner is causing us an inordinate amount of stress and financial difficulties. XXXXLoanCare is now refusing to even accept payments.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The following Inquiries are not authorised by mtself. 
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 2021-11-10
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. (WV)

I received two emails from XXXX XXXX about two hard inquiries. I did not authorize either of these inquiries. One inquiry is from XXXX XXXX and the other is from XXXX XXXX both took place on XX/XX/2021. When I called each bank they explained that someone had put in an application for a loan but due to this being fraud and identity theft each bank stated they will deny the application and that no money was dispensed to any person. I later proceeded to check my credit report on each credit bureau website. I am currently trying to dispute these two hard inquiries as I stated I did not authorize these loans. I did not give any person permission to use my personal information.
Consumer complaint received 2023-03-17
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. (AZ)

This letter is an attachment on the letter send on XX/XX/2023. 
As I notice that even tought I send the identity theft report I did not properly write the account number and accounts that arose from identity theft. 
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  These accounts are a result of IDENTITY THEFT. I want them removed immediately. In addition please make sure any creditor contacts me ( XXXX ) XXXX first prior to opening any accounts. 
Thank you!
Consumer complaint received 2019-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC (CA)

I financed a car thru American Credit Acceptance. When I  purchased the car it had XXXX miles on it and was already a 10 year old car. The dealership convinced me that the car would get me to XXXX miles. In XXXX the engine went out and I was unable to pay the mechanic and the car note. The mechanic allowed me to make payments towards the repairs. I called ( XX/XX/XXXX ) my  finance ( American Credit Acceptance ) company and told them my situation before I went delinquent. They inform me that I would still need to pay my car note. Once my account was delinquent in XX/XX/XXXX it was now in the collections and I still tried to make arrangements with the company and they refused. XX/XX/XXXX I called again to make an arrangement and at this time they decided to settled for {$2500.00} and transfer title. I paid {$2500.00} and it is still reporting on my credit report as charge off collection. I would like this deleted from my credit report because I dont owe them anything
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (TN)

My XXXX Credit Report reflects multiple collection accounts for the same alleged debt. Derogatory marks include a collection from a XXXX, as well as 2 accounts for XXXX XXXX XXXX  ( which I believe are duplicates again, like my XXXX XXXX XXXX XXXX  ). LVNV Funding, XXXX XXXX  AND XXXX are all reporting collections. XXXX credit card IS XXXX XXXX, XXXX, and not a separate account. This is causing 3 collection accounts o my credit report. I have also satisfied the balance with LVNV, and therefore these 3 should be removed rom my account. I requested the Bureaus send me ALL documentation associated with this alleged debt, including all applications, and ALL statements from the original creditor, and all I received was one billing statement from the Bureaus. ( Nothing rom XXXX XXXX, XXXX. ). These debts need to be removed rom my credit report for all of the above stated reasons
Consumer complaint received 2023-03-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

Over 60 days I notified the three credit bureaus on the inaccurate information that is being reported on my credit report. I have been trying to get this situation resolved but has had no success in doing so. It would be a great help if you would help me with the inaccurate information that I upload below. I have been verym stressed and a lot of anxiety and need this to be handled please.
Consumer complaint received 2022-09-09
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

On XXXX XX/XX/2019 XXXX XXXX filed for Chapter XXXX Bankruptcy in Arizona ( Case No XXXX ). XXXX XXXX XXXX received a Chapter XXXX bankruptcy discharge on XXXX XX/XX/2019. As you are aware the discharge prohibits any attempt to collect from the debtor a debt that has been discharged. In a case involving community property : There are also special rules that protect certain community property owned by the debtor 's spouse, even if that spouse did not file a bankruptcy case. At the time of filing XXXX XXXX XXXX, was married to XXXX XXXX XXXX. The bankruptcy case for XXXX XXXX XXXX listed all community assets as part of the bankruptcy estate. In this case the discharge operated as a community discharge where community claims were discharged for the non-filing spouse. Under Section 524 of the Bankruptcy Code, creditors of the debtor and the non-filing spouse who have a community claim on the date of the filing of the bankruptcy case are barred from asserting a claim against after acquired community property. The resulting Chapter XXXX discharge operated as a community discharge of the community debts. Please be aware that an attempt to collect a discharged debt from the community property from the non-filing spouse violates the discharge and you may be required to pay damages and attorney 's fees to the debtor.
Consumer complaint received 2019-10-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (TX)

COMMONWEALTH FINANCIAL SYSTEMS IS IN VIOLATION OF THE FDCPA AND THE HIPPA LAWS FOR REPORTING ON A FRAUDULENT ACCOUNT AND ALSO FOR SHARING FRAUDULENT MEDICAL INFORMATION PUBLICLY! I HAVE NEVER GAVE COMMONWEALTH FINANCIAL SYSTEMS PERMISSION TO SHARE ANY OF MY PERSONAL INFORMATION AND THEY ARE TARNISHING MY NAME AND ALSO DAMAGING MY CREDIT!
Consumer complaint received 2021-11-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (ID)

Paid card off in XX/XX/2021 as I do every month since opening card. Didnt use card in XXXX come XXXX receive a bill for {$74.00} for late fee and finance charges when there was a {$0.00} balance. Called tried to talk to the rude customer service girl got to the point I just closed account. She said I had no choice but to pay. I paid the {$74.00} and now Im XXXX a month later I receive another bill for {$42.00}. Card was paid off and account closed. Called again and yet another rider customer service girl who said the same thing pay it there is nothing they can do. I am not going to fall for that again they are financially XXXX XXXX and if I keep just paying on a closed and paid off account they will continue to send a bill with some excuse every month. Enough.
Consumer complaint received 2021-03-09
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (IL)

I went to use my value city credit card today XXXX and was told I closed my credit card, I havent closed anything I have hood credit plus I paid this credit card on time, I expect this Company to activate this card again. Dont understand why they would closed without permission. A lot is going on with credit during this pandemic.
Consumer complaint received 2023-03-17
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P. (LA)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Bureaus, Inc. (TN)

My XXXX Credit Report reflects multiple collection accounts for the same alleged debt. Derogatory marks include a collection from a XXXX, as well as 2 accounts for XXXX  XXXX, NA ( which I believe are duplicates again, like my XXXX XXXX  duplicate accounts ). XXXX XXXX, The Bureaus AND XXXX are all reporting collections. XXXX credit card XXXX XXXX XXXX, XXXX, and not a separate account. This is causing 3 collection accounts o my credit report. I have also satisfied the balance with LVNV, and therefore these 3 should be removed rom my account. I requested the Bureaus send me ALL documentation associated with this alleged debt, including all applications, and ALL statements from the original creditor, and all I received was one billing statement from the Bureaus. ( Nothing rom XXXX XXXX, XXXX. ). These debts need to be removed rom my credit report for all of the above stated reasons
Consumer complaint received 2021-03-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (OH)

Due to a messy divorce I had to take a terrible loan with credit acceptance Corp. it was not my plan to stay with them very long but then the pandemic hit a few months after purchasing the vehicle. I am paying my loan even through the struggles and have requested that they do not report me late and they are reporting me late for the last four months and it is hurting my credit
Consumer complaint received 2019-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TN)

My name is XXXX XXXX i am XXXX years old XXXX  and retired I am on social security and food stamps. My income is only $ XXXX  Monthly. The collation company AFNI /XXXX . XXXX claim that a had a cellphone from than a never had a cellphone from this company, an owed a cellphone from XXXX XXXX  I don't any need for another phone. I pay for My cellphone every time used it. i dont a money to pay out for any another because i widower my wife pass away
Consumer complaint received 2018-02-24
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. (GA)

The following companies unlawfully ran my credit without my permission. I did not apply for credit with any of these companies, neither do I have a credit card or business with them and I've been desperately trying to get them to remove these unauthorized inquiries from my Equifax and XXXX Credit Reports. I have contacted the respective credit bureaus first and was advised I would need to make contact with each vendor individually to request these unauthorized inquiries be removed from my credit report. Although this has been a huge hassle, I have contacted each vendor on multiple occasions for months now unsuccessfully pleading my case with no relief. Bottom line is I did not apply for a credit card, auto financing, and/or any type of housing with any of these vendors on or about these dates whatsoever and I am seeking your assistance in getting them to remove these unauthorized inquiries from my credit report. 

Equifax Report Unauthorized Inquiries : 1 - XXXXXXXX XXXX, Date : XX/XX/XXXX ( National Credit Card Cos ) 2 - XXXXXXXX XXXX XXXX XXXX, Date : XX/XX/XXXX ( Television & Radio )  3 - XXXX, Date : Date : XX/XX/XXXX ( Miscellaneous Reptg Agencies ) 4 -  XXXX XXXX Date : XX/XX/XXXX ( Auto Financing ) 5 - XXXX XXXX Date : XX/XX/XXXX ( Auto Financing ) 6 - XXXX XXXX Date : XX/XX/XXXX ( Auto Financing ) 7 - XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX ( Auto Financing ) 8 - XXXX XXXX Date XX/XX/XXXX ( Auto Financing ) 9 - XXXX XXXX Date : XX/XX/XXXX ( Auto Financing ) 10 -   XXXX XXXX XXXX Date : XX/XX/XXXX ( Auto Financing ) 11 - XXXX XXXX   Date : XX/XX/XXXX ( Bankcard ) 12 - XXXX XXXX Date : XX/XX/XXXX ( Real Estate sales/Rent ) 13 - XXXX Date : XX/XX/XXXX ( Variety Stores ) 14 - XXXX Date : XX/XX/XXXX ( National Credit Card Cos. ) 15 - XXXXXXXX XXXX XXXX XXXX   Date : XX/XX/XXXX ( National Credit Card Cos. ) 16 - XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX ( National Credit Card Cos. ) XXXX Report Unauthorized Inquires : 1 - XXXX Date : XX/XX/XXXX ( Finance ) 2 - XXXX Date : XX/XX/XXXX ( Finance ) 3 - XXXX XXXX Date : XX/XX/XXXX ( Finance ) 4 - XXXX Date : XX/XX/XXXX ( Misc. ) Any assistance your agency can provide with assisting me in getting these companies to remove these unauthorized inquiries from my credit report is graciously appreciated.
Consumer complaint received 2016-12-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: WELLS FARGO & COMPANY (FL)

I was sold a predatory loan at the University of XXXX in the XXXX XXXX via their bursary office and XXXX Bank in XXXX which then was bought by Wells Fargo ( specs avail ). I was never told that I would pay interest only first, also encouraged to pay the minimum payment ( see billing ), was told I could not refinance 8.5 % locked rate and that they would capitalize the interest during hardship! Moreover, minorities were given higher rates and the loan was sold to XXXX loan servicing so you could not refinance with them ( not a bank ; brilliant move by all parties involved ). I 've paid more than {$47000.00} for a {$30000.00} loan and still owe {$42000.00}! I was finally able to move the loan to XXXX years later which offered reasonable terms but still a high rate of interest. Many of us were taken advantage of by CU/Norwest/WellsFargo/Nelnet combo XXXX I have spoken with the FTC and they told me to take it up with the Dept of Education and Congress, they make the rules. No question universities and banks colluded to offer horrible terms in the XXXX XXXX to tens of thousands of people. XXXX said she would fight for us that were taken advantage of by Big Banks and she has done nothing. So let me get this straight, the US government bailed out wrecked banks, gave them money at 0 % to help consumers with bad loan terms and to boost the economy, yet it never trickled down to us that actually pay student loan debt ; in fact, you offered loan forgiveness to many except for those that actually pay their loans. I 'm working with a lawyer to put this whole University of XXXX, XXXX Wells Fargo XXXX story out there and how the CFPC has done absolutely nothing since my first complaint. I pay my debts and a reasonable rate and terms I 'm willing to do, but what happened to many in the late XXXX early XXXX is shameful ; the US government lends banks money for almost free and they turn around and crush citizens with horrible rates and terms. Why have n't you helped us? I 'm still paying a high rate of interest at 6 % ... The government should cram down rates for all high rate student loans and actually protect us from predatory bank practices that continue today. That would help the economy and not just the investor class.
Consumer complaint received 2021-03-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, XXXXComplainant received a phone call on her landline from an individual who identified himself as XXXX XXXX, an employee of XXXX XXXX XXXX XXXX. He stated that unless the complainant did not pay XXXX via XXXX or XXXX her electricity would be turned off in fifteen minutes. And that the " technicians were on their way and would be at her house in fifteen minutes unless a payment was made immediately ''. The complainant stated that " she did not have XXXX XXXX '' but could make partial payment of XXXX and XXXX respectively from her bank account with Chase via XXXX ( XXXX ). She then did, using her checking account transferred as payment on XX/XX/2021 the following amounts : XXXX and then XXXX respectively to a telephone number provided, XXXX XXXX. She was instructed to call each day to make a payment on her balance and she did so ; on XX/XX/2021 she made a transfer as payment of XXXX via XXXX ; on XX/XX/2021 she made a payment of XXXX via XXXX as payment towards her balance and on XX/XX/2021 she made a payment of XXXX via XXXX towards her balance with XXXX. All of these transfers as payment were withdrawals from her Chase accounts via XXXX. On XX/XX/2021 she recieved a call stating that she needed to make yet another XXXX payment but she became suspicious as the " payment arrangement '' she negotiated had a different paymment date and amount. She made no further payments. It should be noted that the complainant attempted on multiple occasions to call the published number for XXXX in addition to speaking with these individuals holding themselves out as XXXX customer service employees but could ot reach anyone on the published lines. She finally spoke with someone on XX/XX/2021 who confirmed that XXXX had receied no paymnets from her and that they were not taking customer payments due to the Covid-19 virus pandemic. The complainant reached out to XXXX who referred her through an automated system to her banking institution. Chase took a Fraud complaint ( Referece # XXXX ) and provided their XXXX XXXX number for you to call regarding this matter ( XXXX ). The complainant has reached out to XXXX, Chase, XXXX, the New York AG, FTC and now this agency for remedial relief, namely the return of her funds and that the individuals responsible for this are prosecuted for this crime.