davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: VEROS CREDIT, LLC. (GA)

Veros credit should have been removed from my credit two years ago. This debt is more than seven years old. It is incorrectly reporting on my credit. The last payment was made in XXXX. This debt has been removed from the persons credit I have co signed for. I do not understand why it is still reporting on my credit.
Consumer complaint received 2017-09-30
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)

ID THEFT VICTIM SENT TO HPD # XXXX CASE NUMBER VIOLATES MY CRA RIGHTS, HIPPA I 'VE SENT THEM THE REPORT AND XXXX XXXX NUMBER WHERE THEY CAN VERIFY IT ... ...
Consumer complaint received 2017-09-30
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: Amsher Collection Services, Inc. (TX)

ID THEFT VICTIM SENT TO HPD # XXXX CASE NUMBER VIOLATES MY CRA RIGHTS, HIPPA I 'VE SENT THEM THE REPORT AND XXXX XXXX NUMBER WHERE THEY CAN VERIFY IT ... ...
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (DE)

I checked my personal credit report, which I acquired from Equifax. I noticed unauthorized inquires on my credit report, legally these unverified and unauthorized items must be removed according to the FCRA. There was an unauthorized inquiry from XXXX XXXX on XX/XX/2020 and there was an unauthorized inquiry from XXXX XXXX, and on XX/XX/2020. I want these inquiries removed immediately.
Consumer complaint received 2018-02-02
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

deposited check via mobile app into XXXX XXXX ( XXXX XXXX  XXXX  account ) XXXX XXXX credited my account and then debited the account saying they never cashed the check. I contacted certegy ( XXXX XXXX XXXX processor ) and they over the phone claimed that they cant verify the check was cashed or not. they can only provide information if they approved the check cashing transaction or not. I requested my full report from certegy ( check services ) and listed under cashed checks was this check I deposited into my XXXX   XXXX XXXX account. Ive been scammed XXXX XXXX refuses to make deposit available and certegy is playing along. both doing Fruad and scamming people BE AWARE PEOPLE!
Consumer complaint received 2022-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

i recently pulled my credit report and noticed several accounts that were listed on my report that i did not authorize or give my permission to be opened. I am a victim of identity theft and I need these accounts and information removed from my report immediately
Consumer complaint received 2017-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I am submitting a complaint regarding a past due amount requested by student loan servicer, Navient. 

I applied for an Income-Driven Replayment plan before resuming payments on my student loans serviced through Navient. On XX/XX/XXXX, I received an email from Navient stating that they have approved my request. According to Navient, my IDR plan overview was as follows : Monthly payment amount : {$330.00} Plan begin date : XX/XX/XXXX Plan end date : XX/XX/XXXX On XX/XX/XXXX, I paid the full amount due as agreed by logging into my online account on the Navient.com website and submitting a payment of {$330.00} via bank transfer. The amount was posted successfully to my account on the same date. 

On XX/XX/XXXX, I receive an email from Navient containing " a snapshot '' of my monthly statement. According to the email, my total payment due was now {$360.00}. I logged into my Navient.com account and saw that I now have a past due amount of {$30.00}. 

Please note, I did not receive any communications from the company stating my account was past due, nor was I told that I owed $ XXXX/month instead of {$330.00}. 

I have attempted twice by phone and email to contact Navient and rectify the issue, but I have not heard back regarding a resolution.
Consumer complaint received 2017-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MA)

On XX/XX/XXXX I submitted a request to XXXX XXXX XXXX XXXX through their email address " XXXXXXXXXXXX '' inquiring about how they came to be the servicer of my loan when I was not disabled, had never alleged I was disabled, had no knowledge of anyone who would report me to be disabled. I asked them for the name of the agent who reported to them that I was disabled. 

I also informed them that while I had received a notice of transfer of servicing from XXXX to Nelnet in a letter dated XX/XX/XXXX, I never received any notice of transfer from Nelnet. 

I did receive a notice of a change in account number from Nelnet dated XX/XX/XXXX, however, according to the record on Federal Student Aid NSLDS that I just recently found, Nelnet was reportedly the servicer since XX/XX/XXXX, while I had been making monthly payments to XXXX since XXXX until XXXX. This could explain why my balance did n't go down. 

I also reported to Nelnet that I did not receive a XXXX for XX/XX/XXXX or any statements at all for XXXX or XXXX of XX/XX/XXXX. I am about to file my XX/XX/XXXX taxes and need the form. 

I received a letter yesterday ( XX/XX/XXXX ) dated XX/XX/XXXX which simply enclosed a copy of my consolidated promissory note, and a note " Just know that we 're here for you when you need us ''. This is not very helpful. Finally, the consolidated promissory note they enclosed is being disputed because the underlying loans that XXXX XXXX XXXX, XXXX consolidated, were not known to me and XXXX the guarantor has not been able to provide me with any loan documents of them.
Consumer complaint received 2021-07-10
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. (WI)

Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2021-09-10
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. (FL)

I contacted the credit bureau 's on XX/XX/2021 and XX/XX/2021 in regards to some accounts either placed on my account in error or as a result of identity theft it is XX/XX/2021 and the accounts continue to report on my credit report. I went to the police department and advised that I may be a victim of identity theft but the officer stated that I should write the creditor and request additional information in regards to the account however I have not received any response from the credit bureau or the the furnishers. I submitted an identity theft affidavit, identification, and proof of address with no response and the bureau 's have failed to respond so I sent a follow up letter on XX/XX/2021 in which I still haven't received a response. I have since spoken to an attorney who states if I hire them they feel confident that they can obtain the deletion and compensation for damages.
Consumer complaint received 2021-07-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (MO)

The company came to my house and repossessed my car. Then they sent me a letter stating in order for me to get my car back that i had to pay the remaining balance or they were selling my car. In the letter it also states that if in fact they sell my car that they will send the remaining balance.Telling me that you will sell my car if I do not pay is extortion.If they owned the property they wouldn't have to pay me anything. On the back of the contract it states security interest. Security interest means what I gave them secured all my obligations to the debt meaning I own the vehicle. If my social security secured all of my obligations then the debt was an allegation and when you went and repossessed my car you committed theft. They advertised the sale of my car to pay off the alleged debt which is a violation pursuant to 15 usc 1692d ( 4 ). My neighbors were outside and seen the people you contract take my car and that affected my reputation which is a violation to 15 usc 1692d ( 1 ). Then furnished this to my report without my permission, which is a violation to 15 usc 1681b ( 2 ). Additionally, they marked my payments as late which is a violation pursuant to 15 usc 1666b.
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. (LA)

l, XXXX XXXX XXXX, and natural person am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). Account Name has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and XXXX. XXXX XXXX CT XXXX legally obtained personal and private information and sold it to other reporting agencies, including XXXX, Equifax, and XXXX. I did not grant XXXX XXXX CT permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders. 
As the consumer and natural person, I am invoking specified remedies and make the following demands : - Cease and desist reporting of the account name filings to all consumer reporting agencies. 
- Remove reporting of the account name filings from all consumer reporting agencies. 
Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA.
Consumer complaint received 2022-12-14
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. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX {$730.00} ; XXXX Original creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX  Inquired on XX/XX/2022 2022
Consumer complaint received 2021-09-10
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. (PA)

I've been repeatedly disputing this account with XXXX and Equifax, and I do not believe they have conducted a proper investigation into this account. I have also disputed this account directly with the collection company as well. It is my understanding that the FCRA states that an account that is in dispute can not be reported. It is also my understanding that the credit bureaus have 35 days to conduct a reasonable investigation, and I have waited that time period out several times, without anymore than a verification of the account. They have never told me how they verified it, why they did, or any of the information that they collected during their investigations. I am entitled to information. I am entitled to a reasonable investigation. I am entitled to these things within a timely manner! Please help me!
Consumer complaint received 2021-12-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

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 Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2020-09-11
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: AutoMoney, Inc. (SC)

I was persuaded into renewing my loan during the time I had an XXXX in which I was XXXX for 3 months! I was up to date until they keep changing workers for stealing an I have called you all an gave the names of the responsible parties that were constantly calling an harassing me and persuading me into renewing my loan.I always paid on time or if I was late I call always.I couldn't get thru to the manager and when I did he was very rude an disrespectful.I deserve my tittle back from auto money on XXXX XXXX. XXXX S.C, I recently made an payment so they want take my car in which they tried without warning or written notice.When I did call in they gave me a certain date but kept calling. Thank you all for your time and patients of this matter.
Consumer complaint received 2020-09-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc. (IN)

I had to file bankruptcy in XX/XX/XXXX I reaffirmed with my mortgage company the servicer is Dovenmuehle. Ive been requesting a modification and rate since XX/XX/XXXX. Ive supplied them with all the paperwork my W-2s my pay stubs letters everything they ask for in XXXX with no response and again in XXXX with no response. Ive paid my payment since I bought the house in XXXX on time every month. They initially called me on the phone and asked if I want to do a forebearance I told him no I wanted to modify my rate they still put my mortgage in forbearance I continued making my payment and have paid it again since XXXX on time every month. They sent me paperwork today for another forbearance which I never requested and told me they were putting my mortgage in forbearance. Ive tried to reach out to them by phone and you wait on the phone for 25 minutes to an hour no one ever answers the phone. They just keep sending me modification packets to complete but never have responded from XX/XX/XXXX or XX/XX/XXXX. I did talk to them on the phone in XX/XX/XXXX and they told me they had all the documentation they needed for my modification request I never heard from them I called again and theyre trying to claim they didnt have the correct documentation. Their website showed four months they had all the necessary Documents. Isnt there some type of law if theyre going to decline my modification that they have to respond to me within so many days and let me know theyre declining my request. The rates are at an all time low and they just seem to be playing stall games about my modification request. My taxes and insurance have went up my payments increased by about {$200.00} since I bought my home and since XXXX Ive been in the hospital twice which Ive expressed to them how important the rate modification is to me.
Consumer complaint received 2017-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America ( BoA ) has not properly credited the insurance portion of my escrow account. 
I changed homeowner insurance carriers. 
I notified BoA ( the new carrier had already notified BoA which paid the new premium, but I do n't have documentation of that notice ) and sent a copy of my new insurer 's policy binder, I delivered to BoA the prior insurer 's refund check which I endorsed to BoA, and sent another copy of the new insurer 's policy binder and asked that my escrow account be corrected. My certified mail receipt shows this was delivered XXXX/XXXX/XXXX. 
BoA sent me a letter noticing me that insurance will be force placed unless I provide evidence of insurance. 
I sent BoA a letter including all the above and asked again that my escrow account be corrected and my monthly payment amount adjusted. 
BoA is acting as if they did not receive my new insurance binder or my check, both of which they received. 

Documentation of the above is attached.
Consumer complaint received 2018-06-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (DC)

Hello, Today I received a call from a representative from American Education Services [ AES ]. The caller gave her name and an ID number and proceeded to ask me to  provide my date of birth and other personal identifying information. She did not identify who she was calling from until I asked. In this day and age, I do not feel like any company should call me and ask me to provide my name or SSN without making it clear that they are who they claim.
Consumer complaint received 2020-06-23
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. (VA)

I DON`T RECOGNIZE THESE INQUIRIES, I HAVE NEVER APPLIED FOR THIS, I`M NOT RESPONSIBLE FOR THIS DEBT, WITH THESE COMPANIES, I HAVE NO AGREEMENTS OR CONTRACTS WITH MY SIGNATURE.
Consumer complaint received 2021-07-10
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I made a claim in XX/XX/XXXX because I found out I didn't have money on my EDD Bank of America debit card. I downloaded the app Bank of America prepaid. I found out that someone stole from me. The dates were XX/XX/XXXX, Amount XXXX, XX/XX/XXXX, Amount XXXX XX/XX/XXXX, Amount XXXX XX/XX/XXXX, Amount XXXX XX/XX/XXXX, Amount XXXX XX/XX/XXXX, Amount XXXX XX/XX/XXXX, Amount XXXX XX/XX/XXXX, Amount XXXX XX/XX/XXXX, Amount XXXX XX/XX/XXXX, Amount XXXX XX/XX/XXXX, Amount XXXX XX/XX/XXXX, Amount XXXX. They told me it will take 45 business days. I received a letter on XX/XX/XXXX that my account was frozen. I called them again in XXXX, XXXX for an update on my claim. They told me that it was close, so I reopened the claim. On XX/XX/XXXX I received another letter telling me they closed my account again, I reopened it. On XX/XX/XXXX I received another letter telling me they consider my dispute closed, if I want copies of the documents they relied on to reach their decision and, if I have any questions, to call them. I gave them a call and they told me they can't do anything for me because I reopened it twice and that they're sorry. I ask for the copies and documents they relied on. They told me the only thing she can do is put in a request for the copies and that they're going to contact me. I haven't heard from them after that. I believe they didn't look into my claim at all.
Consumer complaint received 2017-04-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (AK)

My student loans were initially through XXXX XXXX, now Navient. In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I requested loan modifications, income based payment caps, etc. Despite meeting the qualifications for their programs I was denied every time I asked. I did have my loans put into forbearance a couple of times, but I was also charged for that. In XX/XX/XXXX I filed Chapter XXXX bankruptcy, which was discharged in XX/XX/XXXX. I tried especially hard during that time to work out a payment plan with XXXX XXXX. They adamantly refused to help. Again, I fully met their criteria for help but was denied. Unfortunately I did not think to submit at complaint at the time, nor do I have the records showing my request. However, I did want to add my information to the struggle of trying to work with XXXX/Navient.
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: Experian Information Solutions Inc. (DE)

In accordance with FAIR CREDIT REPORTING ACT XXXX  account # ending XXXX from XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 604 A section 2 It also states that a consumer reporting agency can not furnish my account without my written instructions.
Consumer complaint received 2022-03-31
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: Experian Information Solutions Inc. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.