davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-27
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. (NY)

This is my several endeavors to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2022-01-07
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. (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 TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : 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 2020-07-23
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: EQUIFAX, INC. (NC)

I recently sent letters over 45 days ago to Equifax and they are disregarding a regular consumer disputes. I'm frustrated and have been sending letters before this and still no response.
Consumer complaint received 2023-01-27
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. (CA)

In XX/XX/2022, I began taking control of my credit because my family and wanted to obtain a home. Unfortunately, i was denied because of multiple fraudulent accounts on my credit report and after further investigation, this was a result of my information being compromised during a data breach at another credit bureau. I contacted the necessary bureaus, XXXX, XXXX, and TransUnion to notify them that my information was compromised and I sent in the documentation they required from me. 

XXXX and XXXX conducted their required investigation and removed ALL fradulent accounts. But TRANSUNION sent me an auto reply response stating that they could not look into my claim because they needed more evidence, but in fact I sent everything they requested when i spoke to XXXX in the fraud department at TransUnion on XX/XX/2022. 

TransUnion is violating the following FCRA laws by not looking into my dispute. : FDCPA Section 807 Violation for Anonymous and Miscellaneous Reporting and pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states these accounts must be removed within 4 business days upon receipt of this letter.

In additoin, from my understanding while researching FCRA laws and Metro 2 compliance guidelines, all bureaus ; XXXX, XXXX, and TransUnion are legally required to report the same information on consumers reports!! 

I believe they sent me an auto reply letter to grant themselves and additional 30 days to look into my claim, which just isnt fair because these fraudulent accounts are affecting my life and my family 's life. It isnt fair that this " bureaus '' decide when and what they place on our reports!! And just like in of Wenger v Trans Union Corp., XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion may be liable for their willful non-compliance.

I will ensure I do whatever it takes to keep these said " bureaus '' accountable, their misreporting and inaccuracies are literally ruining my life and ability to create a better future for my family. I am truly distraught and depressed that I am unable to get a home we desperately need because there is bad people out there just trying to ruin hard working people 's life. I have included all correspondence i have sent them and as well as proof of identity. PLEASE HELP!
Consumer complaint received 2021-03-04
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I have a 2nd mortgage with SLS, Specialized Loan Servicing. They happily granted a Forbearance to me last XXXX. Despite my numerous attempts they are unwilling to help me avoid foreclosure. I am able to resume payments and I am not asking for any financial forgiveness. I only ask that my paused payments be deferred to the end of my loan or even a Balloon Payment at the end. I continually get misinformation and different information each time I call and have been told they are working from home so no supervisor is available to speak with me. Just today ( XX/XX/XXXX ) I received two seperate letters from them. One states I am granted 9 more months of Forbearance. Great except the End Date is XX/XX/XXXX. The other letter is titled Default Notice and Notice of Intent to Foreclose. This one is dated XX/XX/XXXX and gives me 33 days from " the date of this letter to cure the default. '' It arrived in the mail today. 
I was told I can not be approved for a Modification due to help I received on XXXX, which was unsolicited by the way. Despite that I was mailed a Modification application with a long list of required documents. I do not want a Modification or any forgiveness. I just want a deferment or the Balloon Payment. They were very positive and assured me they would work with me to find a repayment plan when I first called to request Forbearance and now I am just getting the runaround. I had no idea at the time that non Federally backed loans would not be protected under the CARES ACT and SLS certainly made no mention of it. 
I am so upset and can not think of anything other than possibly losing my home of 25 years. Every day I watch the news hoping President Biden will announce that non Federally backed mortgages will be given the same protections under the CARES ACT as the Federally backed loans. 
Please, can you help me?
Consumer complaint received 2021-09-14
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. (MD)

I AM SUBMITTING THIS COMPLAINT ON BEHALF OF MYSELF. NO THIRD PARTY OR OTHER PERSON IS INVOLVED. 
I recently made a complaint regarding information or items listed on my credit reports that I did not authorize consent nor benefit from. I then asked you to block and remove thos items. 
The case was closed because you responded that it appeared someone other than myself submitted the complaints. 
I AM RESUBMITTING MY COMPLAINT ON MY OWN BEHALF in hopes that it will actually be looked into this time.
Consumer complaint received 2021-01-21
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: Credit Management Control, Inc. (TX)

I have no clue about whose account this is! I am clearly sure that I do not own this specific record! I've requested that the leasers send me signed reports that prove I really own this erroneous account but as of now I still havent received any reply.
Consumer complaint received 2019-08-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Nation Star /Mr Cooper the alleged servicer in my home account sent me a letter to have my account transfer to XXXX XXXX. Knowing XXXX XXXX was the current Investor I asked why I was not inform by the previous investor or the new investor about this transfer.

I don't even know the information in the new investor according with XXXX XXXX they said the Transfer got done last XX/XX/2019, If the transfer got done in XX/XX/XXXX it Clear it occurred a violation of TILA 15USC 1641 provision 131 ( G ) by the new investor in failing to provide me its information.

Its clear to me there was a Transaction in the Past between XXXX and Nationstar without the authorization of the Investor, Per the Original agreement I had with XXXX XXXX XXXX in the document signed " I'm aware the account can be transferred as many times and it can be done only by the INVESTOR/OWNER '' not the Servicer as it seems its occurring twice The servicer function is to service the account only as its name shows. The Servicer doesn't have the Authority to transfer or Sale the Account. Also doing this inquire I have to mention the balance reflected in this account is not Accurate as it reflect in the last statement from Nationstar/Mr Copper. Account # XXXX showing a balance of {$290000.00} when the original Deed I have is for $ XXXX from XXXX XXXX XXXX.

Please see my letter and other supporting documents directed to Nationstar/ Mr Cooper . I want to have the CFPB to interact in my behalf in this.
Consumer complaint received 2022-02-17
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. (GA)

Choose according to account type. These can be combined 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 2015-05-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth (CA)

XXXX/XXXX/08 I went to the clinic for stitches. I asked if they accepted XXXX XXXX and was told they did.XXXX XXXX XXXX paid them {$190.00} on XXXX/XXXX/08. I paid them the {$21.00} which was my obligation. When they billed me {$190.00} I contacted my insurance co. and they sent a letter to XXXX XXXX telling him he had been paid the negotiated fee he had agreed to in his participation agreement. He then turned it over to ARS ; I sent them letters and a copy of the explanation XXXX XXXX XXXX had sent to XXXX XXXX and me but it was never removed.
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

Dear CFPB, My name is XXXX XXXX and I depend on my credit to survive as a XXXX XXXX. I had two cases of accounts under collection which were removed from my credit. One was a timeshare that. my ex. had acquired while we were dating and he stopped paying. The company does not want to remove me of the contract. My ex stopped paying the monthly payments and I was unaware. After I was trying to get a credit card to lower my interest rates this collection came on as a real estate collection and my card got denied putting more negative on my credit. I disputed the account and my ex caught up with the payments but the info has not been removed from my report completely. The second thing was a school balance. I wanted to further my education and decided to go to school and was offered a grant. The grant got approved then for some reason the school requested my tax transcripts which I couldnt provide and still to this date I have not been able to get the IRS to process my taxes to get the transcripts and show the school. In the meantime the school required full payment and put the balance under collections. This year has been really hard for me as a result of all this going on. Other than those 2 thing I have not had any late payments, liens, bankruptcy, or anything and my utilization is at 40 %. I also had a lot of inquiries from a time I was leasing a car and the dealer ran my credit like 12 times which I didn't authorized. Because of these thing my credit is the lowest I have ever seen it at XXXX with XXXX and Equifax. If I get a review of my credit I could loose my license which is my livelihood and I certainly can not buy a home because of the unfair score! I need these companies to erase the inquiries from 2018 and I can not do that online as they do not have options for that and I need them to rescore. I don't think my score is fair given my perfect payment history, utilization and clear report.
Consumer complaint received 2021-02-21
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. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2020-05-01
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (TX)

On XX/XX/XXXX my XXXX XXXX XXXX was totaled. On XX/XX/XXXX, XXXX XXXX provided a payoff amount of {$33000.00}. Ally Financial accepted the amount and told XXXX XXXX to send me a check for a portion of the proceeds totaling {$1900.00} for sales tax and license / transfer fees. I received this amount via ACH in early XXXX. Farmers confirmed with me that Ally had also received their payment. I made a car payment on XX/XX/XXXX. I followed up with Ally and they told me the account was going through accounting and not worry about the account any further. I followed up on the account every few weeks until XX/XX/XXXX when they finally closed the account. They also reported two missed payments on my Credit Bureau Report with all 3 reporting agencies which isn't accurate. There are no statements from Ally stating that my account is or was past due as the account was suppose to be closed. I've reported the inaccurate information to all reporting agencies and Ally. I don't trust that they will handle this properly after the experience I've had with them. They're impacting my credit when I truly need it most.
Consumer complaint received 2024-01-31
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: Experian Information Solutions Inc. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-13
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. (FL)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
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 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 XXXXXXXX Balance : {$0.00} USDOE/XXXX  XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX : {$0.00} U S DEPT OF EDXXXX XXXX : {$0.00} U S DEPT OF EDXXXX XXXX XXXX {$0.00} U S DEPT OF EDXXXX XXXX : {$0.00} U S DEPT OF EDXXXX XXXX XXXX {$0.00} U S DEPT OF EDXXXX XXXX : {$0.00} U S DEPT OF EDXXXX XXXX : {$0.00}
Consumer complaint received 2019-10-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P. (MD)

Resurgent Capital Services XXXX XXXX, 2019 Amount : {$470.00} Company is a third party that bought an alledge debt from XXXX XXXX. 
Company had place a debt collection derogatory remark on my record
Consumer complaint received 2018-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I applied for credit with XXXX and was told my identity could not be verified. I have contacted Experian several times to ensure there is no security freeze on my report. I logged into their website and verified there is no security freeze on my credit profile ; however, creditors are still unable to verify my identity.
Consumer complaint received 2021-03-02
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: Experian Information Solutions Inc. (WA)

I have a Mortgage with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX that I have always paid on time as agreed. However due to the recent worldwide Pandemic COVID-19 impact, XXXX shows me as XXXX days late on my XX/XX/2021 Payment because of previous hardship buildup made it a difficult year for me. XXXX XXXX claimed my payment did not process on XX/XX/XXXX so I went into XX/XX/2021 and paid them again manually on XX/XX/XXXX for XXXX and paid them for XXXX 's XXXX on XX/XX/XXXX thus making me clearly up to date on everything as of now. Whether they processed the payment or not the issue is that my hardship was due to a Global Disaster ( AW ) caused by the Pandemic. Not only do I think I deserve some assistance in removing the late they recorded on me, I also think they received their money on time and the late is in error. However when I reach out to both the credit bureaus and the loan company they brick wall me and don't help. Please help me.
Consumer complaint received 2020-11-16
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: EQUIFAX, INC. (TX)

I AM VICTIM OF IDENTITY THEFT AND THESE ACCOUNTS WERE OPENED WITHOUT MY KNOWLEDGE NOR CONSENT. I HAVE PREVIOUSLY FILED COMPLAINTS WITH THE COMPANY AND WAS REMOVED FROM MY CREDIT REPORT AND NOW IS BACK ON THERE UNDER A DIFFERENT NAME. THIS COMPANY IS COMMITTING FRAUD BY ME BEING VICTIMIZED OF ID THEFT.
Consumer complaint received 2017-03-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (NV)

I paid a debt on my credit report to Aargon Agency for a debt owed to XXXX in the amount of {$1700.00}. This transaction was conducted online and the funds deducted from my bank account on XX/XX/2017. Before paying the debt, I called and spoke with someone at Aargon Agency. We came to an agreement that the debt would be removed from my file if I paid in full on that day. After several disputes with XXXX, XXXX, and XXXX, the account has not been removed or updated. It is showing that I still owe the full amount.
Consumer complaint received 2020-05-11
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. (NC)

Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report # XXXX Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX - {$1300.00} Original creditor : XXXX XXXX XXXX {$1300.00} Highest Balance {$1300.00} Opened XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} Original creditor : XXXX XXXX XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$190.00} Highest Balance {$190.00} Opened XX/XX/XXXX