davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} SXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} U S DEPT OF ED/XXXX XXXX Balance : {$38000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} U S DEPT OF EDXXXX XXXX Balance : {$33000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2018-02-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

On or before XX/XX/XXXX, I sent XXXX XXXX XXXX XXXX ( SPS ) numerous requests ( 6-7 ) for information regarding my XXXX parent 's home in an attempt to establish communication regarding loss mitigation possibilities available by law, as a Successor in Interest. It was not until XX/XX/XXXX, after filing a CFPB complaint did SPS respond with a procedure for me to follow to document and verify my status as Successor In Interest. I expeditiously faxed the required documentation as requested the very next day and followed up with SPS via telephone on XX/XX/XXXX. Their response was, " we have no information regarding your request at this time. '' When asked when they would know, they stated we do not know when, call back in a few days to check. Please keep in mind I had already been verified by XXXX as a Successor in Interest prior to XXXX sending my parent 's loan to SPS for servicing. SPS 's response was that I had to start the process all over again. Therefore, this process has been going on for well over six months. SPS 's calculated attempts to impede my lawful rights as a Successor in Interest is suspicion for fraud. As time goes on, their self serving profit generating actions further impede my right to explore loss mitigation options that may allow me to keep my parent 's home and avoid litigation. Therefore, SPS continues to violate the early intervention requirements of the Real Estate Settlement Procedures Act, as well as other laws enacted to protect the consumer.
Consumer complaint received 2024-03-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (IL)

Inaccurate Account Information** : The report inaccurately lists an account with Credit Acceptance Corporation as being 120+ days late with a balance of {$6900.00}. However, there is no detailed payment history provided, making it challenging to verify the accuracy of this information. 

3. **Collection Account Error** : The report indicates a debt in collections with XXXX XXXX XXXX with a closed collection account and a balance of {$190.00}. I have no record of this debt in collections, and I request further investigation into its validity. 

4. **Incorrect Inquiry Listings** : The report lists inquiries from XXXX XXXX  and XXXX XXXX  as hard inquiries on XXXX, but I have not authorized these inquiries. Additionally, there are discrepancies in the reporting of inquiries between the three bureaus. 

I request a thorough investigation into these discrepancies and inaccuracies, and I ask that any erroneous information be promptly corrected or removed from my credit report. Enclosed with this letter are copies of supporting documents, including proof of address and any relevant correspondence.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$420.00} U S DEPT OF EDXXXX XXXX Balance : {$38000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} U S DEPT OF EDXXXX XXXX Balance : {$33000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2018-01-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

XXXX XXXX three money transfer from XXXX in small amounts at XXXX XXXX  I had XXXX left in the acoount. I log in the next day and they were rearranged to great 3 overdrafts at XXXX a piece highway robbery. I did call and they will not rebate any money from Webster bank
Consumer complaint received 2017-11-15
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. (MA)

XXXX & Transunion credit reporting incorrect info. 
Claiming multiple Bank loans closed in Bankruptcy. 
Loans not closed and not in Bankruptcy. 
Multiple requests to remedy .... still not correct.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (MD)

I contacted XXXX XXXX  multiple times one date being XX/XX/year> and XX/XX/year> letting them know that I opt out of them sharing my nonpublic information with non-affiliates like Early Warning Services without my permission or consent. They have shared 3 checking and savings account and 3 of my transactions from 1 account and the status. Please see attached documents for reference. This is tarnishing my name, ability to do business with others, causing emotional/XXXX XXXX XXXX  health issues. XXXX  privacy policy clearly states that they do not share my information with non-affiliates and that their only affiliates 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
Consumer complaint received 2022-09-09
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. (TX)

I was denied an extension of credit by XXXX XXXX. On XX/XX/2022, I applied for XXXX XXXX XXXX XXXX account.Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). CXXXXXXXX XXXX  has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002
Consumer complaint received 2019-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

date 3 plus hours on phone with 7 people from capital one credit car on saturday of XXXX XXXX weekend trying to pay on my huge XXXX dollor bill at capital one XXXX was very helpfull and tried but still get a monthly bill and added late charges They Capital one would not take my payment via debt card said I had to payonline I cant I put in my name it asks for password I dont remember my password its been years since I used my password they said send us a copy front and back of your driver lic How do i do that I have cell phone and lap top told them turn me over to a collection co. they will take my payment from my debt card put me over to 7th person she said go to a store do a XXXX XXXX thing so now she asking me to take XXXX dollor cab ride to send her XXXX and another XXXX cab ride home as I dont drive Health issues she said and laughed she said well what do you want me to do about it this is your problem my social XXXX XXXX XXXX doesnt matter if you have it capital one has allready ruined my credit score thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wi XXXX
Consumer complaint received 2019-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (VA)

Tuesday XX/XX/2019 Two weeks ago I filed an application to obtain my free annual credit report from the three credit reporting bureaus and included my driver 's license, social security card, banking statement, and insurance statement. I received a letter from Experian on XX/XX/2019 instructing me to file these same documents again and that I could use the online filing method at experian.com/upload, which I did. They asked for verification documents and the Report # which was on the letter they sent me. After logging in and trying to view my credit report, when I pulled it up it is just a blank page. When I went back to XXXX and tried to view my free credit report request from XXXX it said I already received my report which is not true. I have just recently been released from federal prison after serving 10 years and am finding out that loans, school loans, home equity loans and more have been done in my name during my incarceration and am trying to obtain my credit report because that is the first step in figuring out what I will need to do to make sure my credit report is accurate. These credit bureau websites are not helpful, nor when I call the numbers will they let me speak to a live human being to explainmy situation.
Consumer complaint received 2022-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

Navient did not inform me about how I would need to consolidate through department of education directly for XXXXXXXX XXXX I was under the impression that Navient WAS an official department of education loan holder which would qualify me. They knew I was interested in XXXX and even asked if I worked for nonprofit for full forgiveness ( I havent ) but never offered to tell me how to become eligible for the XXXX. This is not the first time they have left me intentionally uneducated through omission of information. In years prior they didnt tell me about XXXX telling me instead that my only option was forbearance allowing themselves to profit off my ignorance for YEARS. Now they are telling me that the deadline to consolidate was XX/XX/22 through the department of education in order to qualify for XXXX XXXX which has conveniently passed. This is so unfair and wrong. They should be forthcoming about qualifying but thats never been in there self interest.
Consumer complaint received 2018-03-26
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. (HI)

I am writing to file a formal complaint against XXXX  XXXX, regarding my request to provide the Method of Verification ( MOV ) on ( 3 ) accounts listed on my credit report. 
After numerous attempts to amicably resolve this matter, XXXX XXXX has failed to produce any Original Documentations / Contracts with my signature wet-ink on it. 
Theyre failure to adequately ensure and positively verify these accounts have caused tremendous stress, sleepless nights, and inability to eat and most importantly hurt my ability to obtain credit. Enclosed you will find a recap on my communication with TransUnion, dates, certified mail receipts and theyre willful noncompliance and negligent noncompliance responds.
Consumer complaint received 2018-01-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (AR)

Hunter Warfield Inc. claims that I owe them according to my credit report. However when I called to pay it, they said I dont owe anything. The amount is {$140.00} owed and {$110.00} is the balance. The date of report is XXXX XXXX, 2012. 

Please help, your time and effort are appreciated.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureaus to properly investigate and correct the disputed accounts from my Credit Report. The Credit Reporting Agencies continued to report these accounts as late and claimed that the accounts are verified but I did not receive any proof of verification or any document for them to claim that the accounts are investigated and verified. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THESE ACCOUNTS! I do not believe I am late on the dates these accounts report. Also, I have been keeping my own record of payment and the data these accounts reports do not match with what I have. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THESE ACCOUNTS : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$15.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I was looking for a new car between XX/XX/2020 to XX/XX/2020. Each company that I applied for a car loan with put a hard inquiry on my credit report. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX- XXXX, XXXX, and, XXXX XXXX XXXX all put a hard inquiry on my credit report. All of these inquiries should of been counted as one because there were made within a 13 day timeframe. I put a dispute in twice with XXXX and they will not remove any of the hard inquires on my credit report. I have attached both of the dispute documents.Transunion and XXXX would not allow me to process a dispute for these hard inquiries.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureaus to properly investigate and correct the disputed accounts from my Credit Report. The Credit Reporting Agencies continued to report these accounts as late and claimed that the accounts are verified but I did not receive any proof of verification or any document for them to claim that the accounts are investigated and verified. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THESE ACCOUNTS! I do not believe I am late on the dates these accounts report. Also, I have been keeping my own record of payment and the data these accounts reports do not match with what I have. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THESE ACCOUNTS : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$15.00} XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$0.00}
Consumer complaint received 2021-02-20
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mortgage Research Center, LLC (PA)

I was put on forbearance with veterans united. They immediately placed my account in collections. They then denied a streamline modification stating I was late on my payments prior. The gentlemen over the phone stated I needed to be 120 days behind on my payments past a forbearance period in order to qualify. The gentlemen stated I had to know fill out a new mortgage application with my income and debt and employer and all the information in order to qualify for a loan modification. According to the VA the streamline modification states very clearly that this is not the case. I called back again and the lady said again it was denied because I have been past due for more than thirty days. Her and I then went through my account in detail and we discovered that I was correct and was never late. 

Afterwards she said I had to be 121 days late to qualify for my streamline modification per the VA guidelines. I saw that this was not true, then she said I needed to apply for a refinance and said she would send me a refinance application. I stopped and asked her if I could apply for a streamline modification and she said fine I guess we could do that. After all this struggling she said it would take 30 days. Then I asked if its still the VAs policy to modify the interest rate to the current market. She said no we wont do that we will put you on a temporary modification, the VA doesn't change the rates. I then read her the VA guidelines on their website and she said that yes its true. 

I have called back a few times and have gotten aggressive manipulative situations and responses from them. I have asked for a straight answer and get the most confusing responses. The last time I called they even said I was not in forbearance. I need some help I am confident I am going to get XXXX  over and there is nowhere I can go and nothing I can do. Please help me.
Consumer complaint received 2019-05-11
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (NC)

Today is XX/XX/XXXX ( Saturday ) XXXX and I received the third call from Navient about a student loan debt. The call was around XXXX XXXX and was an actual person on the line asking for me by name. The other two calls were robocalls that I have received in the last two weeks. To my knowledge, my account has been in forbearance which is why I was surprised and also the fact that in the past whenever there was an issue usually Navient would just send an email. I have been experiencing financial issues and have been diligent about applying for forbearance if I think I may not be able to pay for awhile. 

Also, I applied for a forbearance around XX/XX/XXXX and there is no record of this in the inbox /email history segment on my account page. I believe that my account has been mismanaged and will be filing further complaints if I am charged with any added fees or if the phone calls continue. I've also XXXX them and seen that they are currently dealing with more than one lawsuit for mismanagement of students loans and for phone harassment. I applied for another forbearance today and will soon be searching for a way to switch loan servicers since I'm not satisfied with my service.