davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-10
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: Experian Information Solutions Inc. (IL)

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payment from The XXXX XXXX XXXX Late Payment from XXXX XXXXXXXX Late Payment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, XXXX XXXX ( a ) ( XXXX ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Consumer complaint received 2017-02-27
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (NC)

I purchased a XXXX Hyundia Accent for XXXX XXXX Hyundia on XXXX XXXX, XXXX the first contact had added costly services to include extended services, roadside, motor train, XXXX insurance, which at the time I had declined and asked the salesman XXXX XXXX to take out the services and charges. I called the dealer insisting the change or they could take back the care. XXXX responded its too late. I showed up to the dealership and spoke with the finance manager who kept claiming to be a XXXX as myself whom turned out to be dishonest and deceptive.The finance manager canceled the old contract provided a new one with a higher interest rate. He claimed Hyundia Motor finance would refinance a lower rate after 6 months.The total price was XXXX I made 22 payments totaling {$7700.00}. Today I called to find out the payoff and was told I owe {$13000.00}. The Rep ( XXXX ) explained more than half of my payment goes to interest and a {$5.00} daily interest rate is n't visible in the contract which is why she explains it to customers after the fact. I would have NEVER AGREED to that clause. I spoke to the elevation dept Rep XXXX who stated that Hyundia motor Finance will not change the APR even though I have two contracts from the Hyundia dealership. Hyundia is misleading customers, never called my references or verified my employment because they are taking advantage of female customers in an all men work place. The environment was very intimidating. They continue to call send emails and brochures to take back my care for a lesser price to put me in a more expensive car with old debt on top of the new payments. They are a foreign Entity misleading the XXXX XXXX with no Oversite. in XXXX these practices are going unchallenged and unnoticed due to a lack of education. I 'm asking for an investigation into Hyundia and a lower APR for misleading me twice. I have both contracts. Customer Service Rep XXXX then Escalating Dept Rep XXXX stated that Hyundia would not change the rate and does not refinance check with my Bank! Even though I went to a Hyundia Dealership to avoid this mess of small Mom and Pop and Bad Credit places I was treated Terribly after they got my first Signature and paystubs. I asked for a manger and XXXX placed me on hold came back XXXX min later stated manager was n't available yet. She asked if I would continue to hold or someone can call me back. I agreed to continue hold the it was silence then disconnected NO return call they have my number. I am asking President Trumps Administration To PROTECT the AMERICAN People from HYUDIA MOTOR FINANCE and companies like them.
Consumer complaint received 2022-02-07
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 am listing all the unknown inquiries which I did not authorize below or where they came from someone is using my information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX Transunion XXXX XXXX Transunion XXXX XXXX Transunion XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-05-07
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: REGIONS FINANCIAL CORPORATION (FL)

I have an account with regions bank and I was in the process of tring to do a modification due to an XXXX and the company did not do the modification after only XXXX into the process they company has charge me foreclosure fees XXXX and XXXX. The home never went into foreclosure I caught up the payments. I have called numerous times to get this resolved was told all fees would be reversed and still XXXX months late they are not. Please .This has been a horrible experience.
Consumer complaint received 2016-03-09
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Commonwealth Financial Systems, Inc. (IL)

On Fed XXXX, XXXX I received a call from XXXX. My boyfriend answered the phone and the man on the line wanted to speak with me. I was unavailable so I called back the next day on XXXX XXXX, XXXX and a lady named XXXX answered. I could n't understand what company she was working for and asked her what this is about. She did n't ask me for any information & I figured she pulled up my info based off of my caller ID. She said it was about XXXX XXXX XXXX XXXX XXXX debit. I told her I did n't know what she was talking about since I paid off XXXX garnishments last year & my credit score has only been increasing since then. I asked her when the last payment was and XXXX said XXXX XXXX. When I checked my credit report, my last payment to XXXX XXXX Bank was actually XXXX XXXX. Not sure why she told me the incorrect information but it started to feel fishy ... .something did n't seem right, a bit like a scam. She never asked me to verify who I was other than I told her my name at the start of the call but she never verified my birthday, Social Security #, address, etc. She never told me " this was an attempt to collect a debt. Any info obtained will be used for that purpose '', nor did she advise if the calls are monitored or recorded. She told me I owe {$1600.00} plus {$5000.00} fine & court cost or I could go to jail for 5-7 years. She caught me off guard & I got upset, XXXX XXXX XXXX. I asked about a settlement & she put me on hold to speak with an attorney about my case. I was on my lunch break and could n't remain on hold any longer and just hung up. She called back 2 other times that day & left me a message saying to call them back otherwise they will have to move forward. I never called back because I could n't trace back their callback numbers to any law firm. This seems like a scam. It has been 2 weeks and I have not received any validation of the debt. XXXX left me a last voicemail on XXXX XXXX, XXXX saying the attorney is moving forward & I will be summoned for court & she even said my current address on my voicemail. Kind of creepy since I 've never verified any of my information with this lady/company and I 'm not sure how she knew my personal information. I 've lost sleep over this issue lately and have had some stress issues too. I do n't want to go to jail and have never been threatened like this before. I thought according to the F.D.C.P.A. that they ( bill collectors ) had to go by customer service now and not bullying someone. 
Here are the phone numbers for this " attorney 's office '' -- yet I can not find any exact listing on the internet. Why would n't a law firm 's phone number trace back to them when I try to find out who they are specifically? 
XXXX XXXX XXXX ext XXXX ( this # comes up as a fax machine # for XXXX XXXX in XXXX XXXX , FL XXXX XXXX XXXX Thank you for your review and help with this matter.
Consumer complaint received 2022-02-10
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: EQUIFAX, INC. (IL)

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payment from The XXXX XXXX XXXX Late Payment from XXXX  XXXX Late Payment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Consumer complaint received 2020-01-19
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. (OK)

I HAVE BEEN A VICTIM OF IDENTITY THEFT BEFORE. I REMEMBER REQUESTING AWHILE AGO THAT A FRAUD ALERT BE PLACE ON MY CREDIT REPORT. BUT AFTER EXAMINING MY REPORT TODAY, I STILL SEE THAT THERE IS A BUNCH OF FRAUDULENT INFORMATION STILL APPEARING IN MY CREDIT REPORTS FROM ALL 3 MAJOR CREDIT BUREAUS ( EXPERIAN, XXXX XXXX ). THIS FRAUDULENT INFORMATION INCLUDES CLOSED ACCOUNTS, COLLECTIONS ACCOUNTS, WRONG NAME, S WRONG EMPLOYERS, WRONG ADDRESSES AND INQUIRIES. I WILL LIKE ALL THE CREDIT BUREAUS TO REMOVE AND BLOCK THIS INFORMATION FROM APPEARING ON MY CREDIT REPORT AGAIN. IF NOT ALREADY ON MY REPORT I WILL LIKE AN EXTENDED FRAUD ALERT TO BE ADDED ON MY REPORT. I HAVE NO IDEA WHO THESE ACCOUNTS BELONG TO AND I HAVE NEVER RECEIVED ANY TYPE OF GOODS OR SERVICES FROM ANY OF THE COMPANIES LISTED IN THIS REPORT AND IN MY FTC AFFIDAVIT REPORT. I AM A VICTIM OF IDENTITY THEFT AND I HAVE NO IDEA WHO USED MY INFORMATION OR HOW MY INFORMATION BECAME COMPROMISED. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-09
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

My mom passed away in XXXX of 2021. Prior to her passing she gave me power of attorney of her affairs. I began to contact the original mortgage company XXXX XXXX to get information about her reverse mortgage, such as how much was owed and what we needed to do to keep the mortgage validated and current. When my mothers health continued to tried to reach out again. Most recently with PHH the new mortgage company. As with the previous time. They refused to give me any information regarding her mortgage. I am on the deed of trust and still can not get any information. I have submitted proof of the deed and still can not get any information The have now recently sold the mortgage to another mortgage company. They to refuse to give me any information, even after submitting proof that I am on the deed. Property address : XXXX XXXX XXXXXXXX, XXXX, CA XXXX I feel that my rights under Regulation Z are being grossly violated. PHH the current mortgage holder has been stonewalling and stalling me since the email I sent with copies of the deed of trust on XXXX XXXX. 

The phone number I have for PHH Mortgage is XXXX
Consumer complaint received 2017-02-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

I requested that a comment entered on my credit report at each of the XXXX credit bureau that I disputed the debt. The entry was made at XXXX and XXXX, but not XXXX. I applied to rent and apartment at XXXX different locations in XXXX, FL and my applications were denied for rental. I found out that the apartments pulled my credit report from XXXX. I believed that I was denied the opportunity to rent because of the dispute not recorded. I also lost {$120.00} fee for the background check.
Consumer complaint received 2020-01-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (GA)

I have attached my billing statements that include all the payments I have made on my account. I have bern trying for months for this company to correct my balance that is showing I am past due from XXXX and I am not past due at all. Ive spoken with several people at the executive office that stated they were going to fix this issue and it has not been resolved. They are stealing my money because I've made my payments! Ive even had representatives from the executive office tell me they've done an audit on my account and they know it's showing incorrectly and it would be fixed. Told me the dollar amount I owed in XXXX. I paid that and she assured me my account would be corrected. Now Ive gotten a repossession notice in the mail. They are giving me the run around and I want this resolved. If my car gets repossessed behind this I am pressing charges. They are outright stealing my money. Then acting like they don't know how to fix it
Consumer complaint received 2015-12-03
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I tried to get a loan modification from B of A. 
They said they would not modify or refinance. 
I tried XXXX mortgage companies for a new loanbut they all said that due to dodd frank I couldnot qualify because I did not have enough incomein XX/XX/XXXX and XX/XX/XXXX. I contacted consumer financialprotection agency and they were no help. 
my house is worth {$1.00} XXXX and I only owe {$380000.00}.
Consumer complaint received 2015-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Had a XXXX - XXXX XXXX XXXX home mortgage account that was refinanced on XX/XX/XXXX. 

As a build up to this 'refinance ' once in XX/XX/XXXX XXXX got ready to lock my rate and refinance and advised me that month 's payment would come from the closing proceeds. However when the rate lock did not happen I ended up paying XX/XX/XXXX mortgage out of personal proceeds. 

On a XXXX occasion a year later XXXX locked the rate in XX/XX/XXXX and completed the closing on XX/XX/XXXX. As per the process XXXX paid the XX/XX/XXXX mortgage out of the closing proceeds. 

However, ended up reporting both late payment as a my fault ( when I was clearly advised that loan closing month 's mmortgage would come out closing proceeds ) to the credit reporting agencies, which is impacting my credit score negatively. 

I have tried several time to talk to XXXX to correct this reporting and had faxed/sent a dispute letter on XX/XX/XXXX as well. 

However, until now there is no resolution to this issue and my credit report is impacted negatively.
Consumer complaint received 2022-02-07
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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2020-10-18
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)

THE ACCOUNTS/INQUIRIES LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-08-04
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: Experian Information Solutions Inc. (PA)

I am XXXX XXXX, who is submitting this CFPB complaint upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (GA)

I have a collection account on my credit report that show Commonwealth Finance is handling for XXXX services. I have requested several times for the said business to send me documentation of the said debt. I spoke with a representative on XX/XX/2016 stating that this debt was not mines and that I had never been notified of the debt. I also communicated to the representative that they had the wrong address on file and he claimed that I would receive a phone call/letter in mail regarding the debt. I called and spoke with a representative on XX/XX/2016 stating that I have not received a phone call neither have I received any documentation by mail. I have been disputing this debt for some time now and still have not be able to get the matter resolve. Still have not been able to receive any documentation showing I owe this debt.
Consumer complaint received 2020-06-20
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. (OK)

Hello, you are reporting unverified accounts on my credit profile. By continuing to do so they are in violation of 15 U.S.C. 1681. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 the credit reporting agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. 

I have sent multiple requests for proof of verification ( copy of the original consumer contract with my signature on it ) of the accounts that you are reporting on my credit report in the form of disputes. Every one of my requests has been ignored. Your company 's continued ignoring of my multiple requests for proof of verification ( copy of the original consumer contract with my signature on it ) has and is hindering my ability to obtain credit. 

My most recent request for proof of verification of the unverified accounts was sent out on the XX/XX/2020. 

I am simply requesting that the credit reporting agencies properly verifiy accounts they are reporting on my credit profile and send me proof of verification or simply delete them, which they have ignored those requests time and time again so I am reaching out to you and asking for your assistance in this situation. 

Thanks in advance.
Consumer complaint received 2017-04-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NH)

I attended  XXXX   XXXX  from  XXXX   XXXX  until the  XXXX  of  XXXX . During this time I took out private student loans from the lender  XXXX   XXXX   ( this is now Navient ). I took out a significant amount of money over these years. I really did n't understand the process of paying it back  and I thought they would work with me based on my income. I have done multiple forbearances over the years and it seems they are also charging me additional fees. They told me I know longer qualify for any programs and they are requesting a payment beyond my means. They are threatening to put a lean on my parents home. My father is on a fixed income, as he was when these loans were taken out. My credit is destroyed and I do not know what to do. Please help me.   Thank you,  XXXX   XXXX
Consumer complaint received 2022-02-07
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: Experian Information Solutions Inc. (TX)

I am listing all the unknown inquiries which I did not authorize below or where they came from someone is using my information. 
XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX on XX/XX/XXXX Experian XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX