davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MA)

We were in negotiations with XXXX XXXX  in XX/XX/2020 and advised the current mortgage holder Specialized Loan Services about a possible delay in closing past the end date of the mortgage which will end in XXXX 2020. They advised to continue sending payments as usual until closing on the new loan. This was from multiple service desks employees. We documented everything. Loan Services in XXXX returned our payment and placed a delinquency on our credit score which ended our ability to refinance with XXXX XXXX  or any other bank. 
We have spoken to many contacts with Loan Services but have had no resolution as of yet. We asked for a XXXX to extend the loan, they said they can not due since the mortgage end date has passed. Loan Services also can not refinance in Massachusetts since they have no license to so in our state. 
XXXX will refinance if our credit score is corrected. We obviously have never been late on this mortgage and are asking for a removal of the delinquency from our Credit on all three agency 's so we can refinance our home. We received a denial letter just today with only one note : Behind or delinquent history. Losing our home will be devastating and would place an Adult with XXXX XXXX  and a XXXX  service member out of their home during COVID along with XXXX other adults. 
This is the second time we filed a complaint about Specialized Loan Services.
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX Opened Date XX/XX/XXXX Balance {$0.00}
Consumer complaint received 2020-05-06
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)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 
The accounts I am talking about are : 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
Consumer complaint received 2023-01-31
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: EQUIFAX, INC. (NY)

I sent a letter to remove any items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after the Ive already included this in my previous complaint & I am including it again., XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXXBalance : {$110.00} ; 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
Consumer complaint received 2017-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am trying to rent an apartment but XXXX XXXX apartments is showing that I owe them for an eviction.  When I called them regarding this issue, they told me to contact XXXX XXXX ( collection agency ). When I called the agency, they have nothing on file. I have tried to call XXXX XXXX several times since then but continue to get the run around. The last time I called, I was told that they no longer manage the apartments. So now I am stuck and need to know how to resolve this issue. According to the collection Agency, I do n't owe anything. I have tried to dispute with Transunion Rental Screenings but they refuse to remove.
Consumer complaint received 2016-06-02
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX XXXX 30 days past due as of XXXX XXXX, XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2023-01-31
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. (FL)

I am interested in disputing all inaccurate information on my credit report with experian. checking data this is hindering my file from approvals an moving forward with accuracy on my report. please remove the information processed asap.
Consumer complaint received 2020-05-06
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. (TX)

I did not authorize anyone employed by XXXX XXXX   OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX is the only out of 3 agencies that have not put the freeze as requested, that both Transunion and XXXX did, and this in addition to several other inquiries started after the XXXX data breach publicly known.
Consumer complaint received 2024-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

- [ ] 22 U.S. Code 288a - Privileges, exemptions, and immunities of international organizations International organizations shall enjoy the status, immunities, exemptions, and privileges set forth in this section, as follows : ( a ) International organizationsshall, to the extent consistent with the instrument creating them, possess the capacity ( i ) to contract ; ( ii ) to acquire and dispose of real and personal property ; ( iii ) to institute legal proceedings.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (FL)

Credit Acceptance is engaging in deceptive acts or practices in violation of the Consumer Financial Protection Act of 2010 by misrepresenting key loan terms, including the true principal, finance charge, and APR. The complaint further alleges that Credit Acceptance is engaging in abusive acts or practices by taking unreasonable advantage of consumers lack of understanding of the risk of default and the severity of the consequences associated with its loans, and taking unreasonable advantage of consumers inability to protect their interests in selecting or using Credit Acceptances loans. They are consistently changing my loan from open to closed and will not remove from my credit I struggled with homelessness during Covid and then moved to Florida to get hurricane Ian they have been reporting my account as open for years negatively impacting my credit
Consumer complaint received 2020-11-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (SC)

I have filed repeated complaints directly with XXXX XXXX about this issue listed in complaint number XXXX ... You closed it stating " take this up with XXXX XXXX XXXX XXXX '' Well this agency just refers me directly back to Fannie Mae and they continue to state the same thing which is ... BECAUSE I HAVE DEFERRED DUE TO COVID I AM STUCK WITH MY CURRENT LENDER AS XXXX XXXX REQUIRES THE FIRST UNPAID BALANCE PAIN IN FULL PRIOR TO BEING ABLE OFF THE SECOND UNPAID BALANCE! This means because I have a second balance of {$1900.00} there is NOW WAY to refi my house! Wells Fargo will not allow me to pay this amt directly XXXX I have even tried and they took all funds and applied to the primary balance ). I need CONSUMER FINANCE PROTECTION as someone has to step in and tell these companies you are penalizing the consumer and treating a measly {$1900.00} as a second mortgage ( and even it treated as a second mortgage I would have the opportunity to pay on this amt prior to paying off the $ XXXX I owe on primary balance! 

THIS IS INSANE!!!! PLEASE HELP!!!!
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CT)

My account is set for automatic payment from my checking account. The XXXX XX/XX/2020 statement showed a XXXX balance because of a payment from my checking account of {$2.00} on XXXX XXXX. The checking account was closed because of fraud. With all the changes and challenges with COVID, I forget to update my information with you. I did not know the payment was returned until the XXXX bill. I immediately paid the bill. I had no idea the payment had been returned until the XXXX bill came. The XXXX statement closed on XXXX XXXX and had a XXXX XXXX payment due date. I made the payment on XXXX XXXX. However, I have 2 late entries on my credit report for the {$2.00} balance. If the {$32.00} was not due until XXXX XXXX ( as per statement ) and I paid on XXXX XXXX, why was I hit with another delinquency. 

I contacted XXXX  XXXX XXXX and complained about after paying {$30.00} in fees on XXXX XXXX. They said there was nothing they could do about the fees or delinquent flag. I got a copy of my credit report in XXXX. I was unhappy to see two 30 day delinquent charges. I called and wrote letters. Nothing has happened.
Consumer complaint received 2021-03-29
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: CCS Financial Services, Inc. (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

My account is set for automatic payment from my checking account. The XXXX XX/XX/2020 statement showed a XXXX balance because of a payment from my checking account of {$2.00} on XXXX XXXX. The checking account was closed because of fraud. With all the changes and challenges with COVID, I forget to update my information with you. I did not know the payment was returned until the XXXX bill. I immediately paid the bill. I had no idea the payment had been returned until the XXXX bill came. The XXXX statement closed on XXXX XXXX and had a XXXX XXXX payment due date. I made the payment on XXXX XXXX. However, I have 2 late entries on my credit report for the {$2.00} balance. If the {$32.00} was not due until XXXX XXXX ( as per statement ) and I paid on XXXX XXXX, why was I hit with another delinquency. 

I contacted XXXX  XXXX XXXX and complained about after paying {$30.00} in fees on XXXX XXXX. They said there was nothing they could do about the fees or delinquent flag. I got a copy of my credit report in XXXX. I was unhappy to see two 30 day delinquent charges. I called and wrote letters. Nothing has happened.
Consumer complaint received 2020-09-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XX/XX/XXXX, I submitted a payment to Kohls Department Store through their website. This would have paid off my balance in full. I received a confirmation email stating the funds would be  processed on XX/XX/XXXX. About XX/XX/XXXX, I received through the U.S. mail a statement that my account was paid in full, and I owed XXXX funds. Soon after that, I started to receive phone calls morning, noon, and night, and on weekends from Kohls telling me that I still owed money on the account. I informed them that I received TWO pieces of confirmation that the account was paid in full, and that as by law, those were legally binding acknowledgments. They continued to call me and say that neither confirmation was valid proof of payment, even though they had come from their payment  center. As of today, Monday, XX/XX/XXXX, I have contacted Kohls again, requesting that they stop the excessive amount of phone calls, and that they finally get their accounting corrected to reflect that I have a XXXX  balance. After they agreed to stop the calls, I received another one. Then they refused to update my account, and insisted that I had NOT paid them and I still owed them money. After going back and forth on how statements, both electronic and paper are proof of payment, they denied this, and said those statements were not proof of anything. I need help.
Consumer complaint received 2017-08-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIFTH THIRD FINANCIAL CORPORATION (PA)

I contacted Fifth and Third bank back in XX/XX/XXXX 2017. I spoke with a XXXX who would not give me her last name and she told me that my account was sold to collection agency and if I would pay it could be removed from my credit report. I contacted the collection agency who is XXXX XXXX and paid a settlement of XXXX out of my XXXX account. I feel this bank is using deceptive tactics to collect old debt. from my understanding phone calls are recorded therefore I am requesting for phone transcripts to be release of my phone call made in XX/XX/XXXX. Also according to 623 ( a ) ( 7 ) Section of the Fair Credit Reporting Act consumers are suppose to be notified of any negative information that is being reported to credit agencies. I did not receive any letter that this information was being put on my credit report. If a letter was send I am requesting a copy of that as well.
Consumer complaint received 2016-06-01
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I do not really know what to select here. I could not find a way to contact Transunion about this problem without making a phone call which I am reluctant to do because I do not want others accidentally listening to my conversation. My problem is this : I can not freeze or unfreeze my credit report with Transunion without paying for their credit monitoring service. A cost of about {$9.00} per month. I can freeze and unfreeze my credit reports with XXXX and XXXX for {$3.00} per transaction. I want to know why Transunion does not offer this service. If this is going to continue to be the case, is there any way for me to keep my credit reports from going to Transunion altogether?
Consumer complaint received 2023-01-11
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: Experian Information Solutions Inc. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 

Here are the list of items that do not belong to me or were opened without my permission. 

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 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 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
Consumer complaint received 2020-01-20
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. (CA)

I submitted a police report of a burglary which resulted in my identity theft back in XX/XX/XXXX. The company still have not deleted the wrongfully-reported debt of {$2400.00} in XX/XX/XXXX.
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

I placed a credit freeze with Experian. During the process, they provided a PIN to manage the state of the freeze. 

In order to lift the freeze, I provided the PIN. It claimed it was invalid, and that it would ask questions to verify my identity. No questions were ever asked. Instead, it dropped me into a form requesting physical copies of my # SSN card, drivers license, and a bill showing my address. I am uncomfortable with mailing what amounts to a perfect identity theft kit through physical mail. 

This is the only way Experian will allow my freeze to be managed. Their customer service lines only direct me to the website, which sends me to the mailing option. 

Experian therefore has offered me no way to allow me to identify myself to remove the credit freeze within one hour. This is required by the FCRA, and I consider this a violation of my rights under the FCRA.
Consumer complaint received 2020-09-21
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (CA)

A {$50.00} XXXX XXXX XXXX was given to my XXXX  as a birthday present and when we called the 888 number to activate it we were told the card had no balance on it because the store that sold it had not properly activated the card. Which meant as the recipient of the gift card we had to go back to whomever gave the card to my XXXX  and ask them for proof of purchase, then go to the store where they bought it and request either a refund or that they try to activate it again ... all of which were impossible because 1. the gift card company would not tell us where the card had been purchased, and 2. we did not know which of the 15 XXXX  at the birthday party had given him the card. 

The company name that runs the XXXX XXXX program is Blackhawk Network California XXXX Inc., and I spoke with XXXX at Blackhawk Giftcard Support Services this morning and she said there was nothing she could do about it.
Consumer complaint received 2017-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC. (GA)

I went to the Suntrust Bank in several locations where I was being followed by XXXX Men and Women discussing my bank account and making false allegations about my personal life. I have a block on my debit card on which I do not know why. Can you help me? I am being harassed about issues that I am having with the XXXX. They are trying to make it look like I have major problems with causing XXXX XXXX to make allegations about me and my mental fitness. I need access to my bank account.