davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-08
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: Bread Financial Holdings, Inc. (CA)

In XXXX of XXXX Comenity Bank opened an account under my name for XXXX under forgery. I contacted Comenity bank about the fraud/identity theft. Comenity claimed they would investigate the matter but never did. After several attempts to contact Comenity bank about this issue failed I opened a fraud complaint to XXXX XXXX and XXXX XXXX in XXXX of XXXX. Soon after account was closed by comenity bank but Comenity bank kept posting derogatory remarks and late payments on my credit reports. I filed an incident report with local authorities about the forgery and Identity theft and contacted an Attorney on XXXX of XXXX who contacted Comenity Bank about the matter. Comenity Bank denied having an account under my name and suggested taking it up with the credit bureaus and opening a dispute which I did once more. Comenity Bank then sold the account to a collections agency knowing the account was fraudulent. Soon after I was contacted by the collections Agency. I once again opened another dispute with all credit bureaus and supplied the new documentation for reinvestigation and asked the credit bureaus to delete the incorrect information. Credit bureas have not complied.
Consumer complaint received 2020-01-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Havent received anything about this debt for months. I had medical issues out of no where. The lawsuit came out of no where. I am in a good spot to pay off the debt with a payment plan.
Consumer complaint received 2022-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I submitted a dispute in XX/XX/2021 and never was given any information. On my credit report XXXX and Transunion are reporting that XXXX 's XXXX was over 30 days late multiple times. I have my transaction history to prove I wasn't late.
Consumer complaint received 2021-06-08
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc. (CA)

I refinanced my mortgage with another lender. I paid all my property tax and they are supposed to send me my refund check if {$4400.00}. I started calling them since XX/XX/2020. I have been calling since, nanny times every month and no help. I received a refund check that belongs to another person two weeks ago and I informed them. They said to shred it. I called them again this morning and spoke with a XXXX who is not very helpful. She said my account can not be found. I can not imagine why they are keeping my money. 

Please help me and I am begging. Just gave XXXX on XX/XX/XXXX. I need this money for baby s formula, wipes, etc. 

The company is Dovenmuehle XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Il XXXX XXXX. My account number is XXXX, my last SS # is XXXX.
Consumer complaint received 2019-03-16
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: BOEING EMPLOYEES CREDIT UNION (WA)

We have attempted to open a savings account at a Boeing Employee Credit Union ( BECU  ) at this address : XXXX XXXX XXXX XXXX XXXX, WA XXXX. We have attempted to meet with them and made phone calls to the branch manager on XX/XX/2019. They will not do so until my wife produces a Social Security Card, they claim it is proof of identity, yet on their web page they state they only need a social security number for tax purposes, which she does have and has provided. We have requested a replacement SS card for my wife, but it will take some time to arrive. This practise seems illegal and I am concerned they are requiring it because she is XXXX. She does have a valid Passport and Washington State Driver 's licence, they would not accept those forms of ID.
Consumer complaint received 2021-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC (TX)

This debt is affecting my credit bureau, I received no notification in writing of this debt, I only came across it in XXXX XXXX and then disputed it, and it was removed, however I then went to XXXX and disputed twice, stating this is not my debt, and they did NOT take it off..the company is XXXX XXXX XXXX opened XX/XX/21 for Il Dept of XXXX XXXX with a balance of {$1200.00}, there is NOT an account #, I WANT THIS OFF MY CREDIT BUREAU/XXXX, this is NOT MINE, I LIVE IN TEXAS AND HAVED LIVED HERE OVER 20 YEARS PLEASE HELP ME
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 
XXXX {$14000.00} XXXX {$550.00} XXXX {$1900.00} XXXX {$78.00} XXXX {$60000.00}
Consumer complaint received 2022-01-13
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. (VA)

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. I sent letters to Equifax 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 Equifax 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 ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX
Consumer complaint received 2021-06-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NY)

I spoke to Shellpoint regarding my mortgage multiple times since last year. I struggled to pay due to COVID and being in the XXXX XXXX. I collected unemployment for some of last year just to afford food and utilities. 
Shellpoint mortgage offered a forbearance plan which I applied for. They first set it up for 3 months, then contacted me with an extension option ( which as I understand it ended at the end of XXXX ). Each time I spoke to a representative I inquired about applying for a deferral for these payments and each time they told me I have to wait until the end of the forbearance period of time to apply. 
I received a call from Shellpoint today and the representative told me I can not apply for the deferral because that was only valid for upto 2 months in forbearance. I requested that he bring on a supervisor or somehow request the recorded phone call conversations I had with multiple representative regarding this matter and he said he can not do that. 
This is extremely unfair and I am not sure why all of a sudden they are changing their stance. He indicated that I can not extend the forbearance any longer and that all of the payments are due now.
Consumer complaint received 2021-06-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (TN)

Requested mortgage assistance or forbearance with my mortgage company several times over the years. I have been forced to file bankruptcy a lot of times to stop the foreclosure on my home. I am XXXX XXXX, I don't want to loose my home. XXXX XXXX with SN Servicing has told me a lot of times I can't keep the house because I could not afford it. I have sent financial and paper work to my mortgage company a lot of times. My interest rate is 13 % and they refuse to lower our interest rate. We have been in our home over 20 years and we are senior citizens. I have called XXXX XXXX a lot of times recently and after I send my documents, she will not return a call for weeks at a time. She is rude and mean. There is all sort of assistance I have read for people that need to keep theirs homes from foreclosure When I Call SN Servicing if I cant speak with XXXX XXXX I am told by who answer the phone can't any one else speak with me, this happened a lot Please Help
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (GA)

I ask the credit bureau to do a verification on my credit report and they did.They stated that it was accurate and I did a thorough research myself and found improper inaccuracies on my report after the verification In accordance to the Fair Credit Reporting Conversion Account has violated my rights.

15 USC 1681 Section 602 A states that I have the right to privacy 15 USC 1681 604 Section 2 it also states a consumer agency can not furnish an account without my written instructions
Consumer complaint received 2022-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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. 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 Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-08-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2021-06-08
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Harvard Collections, LLC (KS)

The department of Illinois Human Services put a debt item on my credit profile that I am not aware of. I never owed the state of Illinois any back payments of any sort! This is fraud on my credit report and the department needs to validate the debt. They put it under my legal name and could not find any debt. I didn't provide my personal social security number because that is private. 

I have not lived in Illinois since the late XXXX 's, and in XXXX I didn't live in Illinois I lived in XXXX, New Mexico. If the state is trying to collect on a debt over 30 years old I need to be informed in writing of the date the debt was first owed before putting these items on my credit profile, and anything containing my signature showing I owed this debt. My credit profile is clean and has always been! I need help with a resolution because this is bogus, and this happened around XX/XX/XXXX per my XXXX  credit profile. Also, the collection company is fraudulent too, no one answers the telephone. Thanks.
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

In XX/XX/XXXX I was informed by a mortgage lender that there was a judgment on my public record for {$2500.00} that was filed in XX/XX/XXXX. After researching to see what it was from, it was determined to be from Capital One. I had no knowledge of this at that time and wasnt given the opportunity to appear in court. 

I had been paying Capital One directly and made a final payment in XXXX of XXXX. However, they are also still reporting it as a collections account for {$160.00}, but never informed the court that payments were made resulting in inaccurate information on my public record. 

Currently, I have this double reporting for the same debt in two different amounts and the collection agency ( XXXX XXXX XXXX ) has not responded to verbal or written requests to resolve this, by updating the court and/or providing me with current documentation, which is preventing me from closing on a home during a highly competitive market and putting me at risk of losing it.
Consumer complaint received 2020-12-04
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. (NJ)

XX/XX/2016, {$1300.00}, and XXXX XXXX reached out to me and I agreed to pay balance. I paid large sum moneys ; difference outsource company contact me regarding my XXXX XXXX credit. Paid them as well as XXXX XXXX call me then paid them.
Consumer complaint received 2021-02-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

My wife and I had identity theft in both our names. We tried to resolve with HSBC. We received a letter that the issue was resolved but still receive statements trying to collect on debt. We have reached out to XXXX XXXX but have not received a response.
Consumer complaint received 2018-02-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Best Service Co.,Inc (ID)

Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Debt Collection Agency : The Best Service Company XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX reports account opening in XX/XX/XXXX for the original amount of {$750.00}. XX/XX/XXXX account charged off for {$830.00}. {$830.00} written off. Account status remains Charged Off/ Failed to Pay on XXXX Credit Bureau on XX/XX/XXXX. Disputed with XXXX Credit Bureau on XX/XX/XXXX. Called XXXX XXXX to see if they still had account. They said they no longer have files regarding the account number listed on the credit report and the account is closed but not sold off. They use the help of The Best Service Company to help them acquire the debt. Any further inquiries must be made through the collection company. 

The Best Service Company reports date of account opened as of XX/XX/XXXX. They report credit limit or original amount of {$830.00}. Disputed with XXXX Credit Bureau on XX/XX/XXXX. Recieved first time letter from The Best Service Company on XX/XX/XXXX. Letter claims Balance Due : {$1100.00}. Anual Int. Rate : 10 % Letter states recieving dispute, but for them to first investigate my claim, I must describe in detail the basis of my dispute. I must also provide all documentation to support my dispute. Without any documentation, they will continue to credit report. I called The Best Service Company to inquire about the account asking if they had physical documentation stating they could collect the debt and the accuracy of the information regarding the account. The representative said she was not aware of having such documentation and said she did not know what I meant. She started to go over the information on the account and it was different from the information originally reported by XXXX XXXX. I started to question if the account was mine. She said I was talking over her and she was ending the phone call and hung up. I sent out a letter of verification inquiring about the account in XX/XX/XXXX.
Consumer complaint received 2022-04-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY (CO)

I Applied for forbearance covid hardship XX/XX/2022 XXXXdid n't hear anything at all, finally I called company around XXXX.the person I talked to said yes she'll put us on the forbearance but that we only have til end of XXXX.because I guess XXXX must be the cut off date.i said that's fine I wasn't trying to be on it forever anyways, just need to get back on my feet.she said id be getting some paper in mail in about a week.i asked her about paying the missed payments and I wanted to do it with the stand alone offer.theyll talk about it with you when you leave forbearance, she just didn't want to get into it.so only thing I knew was we are now on the program til end of XXXX. well I never got any paperwork so I called back XX/XX/2022 and talked to XXXX she assured me paperwork is coming and also informed me I should pay my escrow or I might be hit with shortages when getting off forbearance. {$560.00} a month.glad I learned that.well I've been getting nervous because still nothing in writing to even prove I'm really on forbearance.waiting, waiting, waiting, so I called again today XX/XX/2022 waited for 3 hours on hold .was still on hold when my mail came finally something from them.well its a 1 page letter telling me they are notifying me that they are going to get an appraisal to get the value of the property as part of loss and mitigation and that they are charging me for it.how is this I'm having trouble with my mortgage.hello how am I gon na pay for this .is this legal, what are my rights on this.now I completely do not trust them .they arent trying to work with me, help me like the CARES ACT says there suppose to.I WANT PAPER WORK SAYING IM ON FORBEARANCE, then the letter says to talk about it call the number I was just on hold for 3 hours, what is going on are they gon na help me or try to take my house. this is CHFA can any of these people just help .I didnt apply for loss and mitigation .I 'm covid 19 hardship forbearance.it sounds like they don't even know that.so now ill be worrying until im off it and I know there not trying to take my house.no piece of mind .kind of defeats the purpose of the program dont you think.
Consumer complaint received 2021-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Hi i am filing a complaint against the bureau company because they have not validate any information i sent them because i have not received any investigation letters what so ever. i also see account that arent mine they will not respond back to me ... this is a serious violation under FCRA SECTION 609 ... this is very stressful because their not doing their job as promise to protect us ... ....
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I have filed an identity report with the government to have these accounts in question investigated & I would like these removed they are affecting my credit. I have been told these accounts were verified ( which is false because they are not mine ) and did not provide any proof they were mine. My rights have been violated, and before I take legal action I demand these accounts be removed.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed Immediately.
Consumer complaint received 2022-04-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BARCLAYS BANK DELAWARE (MN)

One month ago, I cancelled my XXXX XXXX Credit Card because I didn't need it. On XX/XX/XXXX, I got an alert through my email to check XXXX that a new card had been opened through XXXX XXXX XXXX XXXX. This is through Barclays. I never authorized or requested a new card. I did call to have the card closed. However it still shows open on my credit report. Plus, they still have my personal information.