davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

My loan payments made to Mr. Cooper formerly Nationstar have not been applied correctly therefore incurring overdue loan payments. My loan was placed in the pandemic relief program in XXXX of 2020. I have made all of my payments for the months since then but several have been past the grace period. All payments have been made and my account should be current but Mr. Cooper has applied several payments toward principal without my authorization, therefore making me past due on 2 payments. This was done without me authorizing and appears that Mr. Cooper is taking advantage of the pandemic relief in order to misapply my payments to force me in to default. I have called several times and spoke to XXXX and XXXX about this but they seem to want to only talk circles around the issue instead of addressing it.
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (GA)

I have never signed any paperwork nor had any credit application or business with Jefferson Capital System. I have no idea of who or what this company is, yet they are on my credit report stating that I owe them {$12000.00} which is inaccurate. This information which is inaccurate is very detrimental to my credit profile.
Consumer complaint received 2022-04-02
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. (SC)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

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 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-04
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.XXXX {$3500.00} XXXX {$12000.00} XXXX {$1000.00} XXXX {$110.00} XXXX {$83.00} XXXX {$980.00} XXXX {$180.00} XXXX {$330.00} CHAPTERXXXXBANKRUPTCYDISMISSED
Consumer complaint received 2021-04-12
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. (CA)

Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account. This is my fourth letter to your company. I know the FCBA allows me to dispute directly with the furnisher after disputing with you. You told me that you verified the account with the furnisher but they could not provide me with sufficient proof to back up their reporting. How can you verify if the furnisher could not? What information did you use to verify the account? Please give me a detailed list of what you used to verify the accounts at hand. That is my right and I would like to know what you did. The law is very clear on this issue, if it is unverifiable, then it must be deleted.
Consumer complaint received 2020-06-02
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. (AR)

XXXX XXXX sent me an email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items from my report. 

XXXX  XXXX {$7000.00} XXXX XXXXXXXX {$26000.00} XXXX XXXXXXXX {$22000.00} XXXX XXXX {$200.00}
Consumer complaint received 2017-12-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I requested verification on the alleged debt Portfolio Recovery is attempting to collect on. I sent a letter of verification and requested the original lender 's information so I may investigate the debt said owed. I also requested proof Portfolio Recovery could legally collect in the state of TN. 

I requested this information on XX/XX/XXXX by mail and did not receive an apply back. 


On XX/XX/XXXX this account was added to my credit report and I was not provided the information I requested to validate the said debt. 

This collection agency is not license to collect in the state of Tennessee. 


Please assist me in this matter
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my family.
Consumer complaint received 2020-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (PA)

I opened an amazon sincrony bank credit card to purchase books for college. I paid it off in full back in XX/XX/2019 for the last amount of XXXX. I called to have my account closed and they decided not to close the account instead opened a brand new account under my name unauthorized and know I have charges that I didnt make and have been calling them o resolve this issue and has been under investigation since XXXX 2019. almost a year know I keep calling them to find out whats going on because I am a very responsible individual and I dont need charges that I didnt make under my name so its under my best interest to get this resolved. They are requesting payments and I refuse to pay for something that I didnt make.
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Client Services, Inc. (WI)

On XX/XX/XXXX contacted XXXX XXXX, XXXX XXXX XXXX and Client services for XXXX  XXXX and XXXX XXXX XXXX, have filed disputes with all 3 credit reporting agencies about accounts paid in full and upon payment agreement was they were to update accounts from negative to positive, and XXXX XXXX last reporting activity was XX/XX/XXXX, and no updates XXXX XXXX was included in bankruptcy filed in XXXX and discharge in XX/XX/XXXX but XXXX XXXX is still on my credit reports and the reporting agencies, I have sent all documents supporting the information and this is impacting my credit score for buying a home
Consumer complaint received 2019-11-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (CT)

Ive contacted the loan servicer numerous times and its been 6 months since Ive been able to pay my student loan they have destroyed my credit they wont return my calls or my emails. They have threatened to send me to collections. I am a single dad trying to pay to keep a roof over my head and bills on a single income. I tried to defer they said I made to much which isnt true as they dont know what bills I have with my daughters health and paying the rest of the bills I have. I want them to remove the late fees remove the blemishes they left on my credit and most of all negotiate to bring my payment lower
Consumer complaint received 2023-01-09
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. (NY)

When I investigated my credit report, I realized that some of the items was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below 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 2021-07-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc. (IL)

I lost my job due to COVID in XX/XX/2020. At that time, CarMax Auto Finance had told me the only options were to defer a payment to the end of my loan. I agreed to do this and was told to call back frequently to see if they would have any other relief due to the pandemic. I called to check in and each time was told that there was no longer any COVID relief available, even though COVID was/is still very much real. I asked what options I had if there were ever a time I could not make a payment by the due date, as I was unemployed and unsure how to make all my payments. I was told that I could make my payment by the following due date to prevent it from being marked late with the credit bureau. I did exactly that. I noticed I had a missed payment reported to the credit bureau and called to inquire about this. When I called, I was told by the representative that she could not believe I had been told I could make my payment by the following due date because that would mean I was building interest that entire time. I was shocked to say the least, since I was never told this. I told her that with their calls being recorded, they could listen to all my previous calls to hear that MULTIPLE people told me to just pay by the XXXX of the following month. I now have so much interest accrued that I owe more than the vehicle is even worth. I have had issues with the actual car since I purchased it, which CarMax is fully aware of. Those issues makes the car worth even less than they sold it to me for, so now they are profiting off of lies and deceit. I have used CarMax for 15 years and am so disappointed in this neglect.
Consumer complaint received 2021-03-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (IA)

In early XXXX of XXXX, I contacted XXXX XXXX from US Bank to discuss the possibility of buying a vacation home in XXXX, AZ. In mid XXXX XXXX after reviewing my credit, bank statements, taxes, etc ), I received a verbal approval by phone that I was ok to travel to XXXX, find a home I like & that US Bank would finance it up to XXXX & maybe more. I also received an email confirming this amount on XX/XX/XXXX. Based on this approval, I flew our family out to XXXX to begin looking for our vacation home & began putting in offers the week of XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX gave my realtor a letter confirming my pre-approval. On XX/XX/XXXX, we had an accepted offer on a house that we liked & began to move forward with the next steps to close on the house. We paid out of pocket for an inspection on the property & paid US Bank to conduct an appraisal which valued the home higher than our accepted offer. Everything seemed to be lining up & working out greatly. Then, on XX/XX/XXXX, I received notification from US Bank that they would no longer finance the house due to something in my taxes. I consider this to be ridiculous as they had my taxes & looked thru them prior to the approval. Why were my taxes ok at application time, but not XXXX weeks prior to closing? Yesterday, we lost our dream vacation home as the sellers refused to extend closing time to allow for financing with another bank ( which I was approved for at XXXX XXXX XXXX XXXX XXXX. So, there is the story. As you can see, this is upsetting to be lied to by a bank, but this situation is especially upsetting due to all the costs incurred. When I look back & start adding them up, they add up quickly, but heres a breakdown : Travel costs : {$4000.00} ( aprox ) Loss of work to travel : {$2000.00} Inspection : {$600.00} Appraisal : {$390.00} Earnest : {$4100.00} ( wire transfer fee included ) As you can see, I threw away over {$10000.00} of my hard earned money due to the banks actions. In addition, my realtor & accountant worked hard with US Bank to make this deal happen, only to see their hard work lead to nothing. In addition to that, the sellers also made approximately $ XXXX in improvements ( requested by me as a result of inspection ), so they are impacted as well. As you can see, many parties were impacted by this. 
In conclusion, I think its important for banks to not give approval unless they are going to stick to it. Obviously, some loans fall apart due to borrower actions between approval & closing. This is not the case here. The lies of XXXX XXXX XXXX US Bank have cost lots of time & money & I think its important to prevent this from happening again.
Consumer complaint received 2022-01-10
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: CAINE & WEINER COMPANY, INC. (GA)

I have experienced ongoing issues with removing unknown accounts on my credit report. I have sent in multiple dispute letters and have yet to receive anything. I sent off an original dispute letter asking for them to send over certain documents that requested them to send my original contract with my signature attached. I never heard anything back. I then sent off a 30 Day Demand of Comply letter after waiting 45 days. To this day, I still have not received anything. Under FCRA, failure to validate the debt in 30 days demands an automatic deletion. Furthermore, the original signed contract has still yet to be sent to me. I demand deletion!!!! ACCOUNT NUMBER : XXXX : XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX
Consumer complaint received 2023-01-09
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. (NY)

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

I contacted BOA in regards to disputing transactions after my debit card, dl and items were stolen. I had been XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I noticed a payment was declined, checked my account seen my account was drained. Charges range from XX/XX/XXXX XX/XX/XXXX. I called bank, disputed charges. I faxed police report, other items where someone opened a account with chase bank, Car I, XXXX XXXX. Bank of America said they had not received. They denied claim. I called again, faxed papers again. They reopened claim, I called for days asking if they received, each time a representative told me something different. I have the recordings from each of the representatives. Then after a day and half of reopening the claim, they deny claim yet again. In the meantime I have started calling the merchants to dispute from them, they all are stating they did not receive a dispute from bank of America. A few I called tried to reverse payment, but was denied from Bank of Ameica. I have been in contact with Legal Aid, however everything takes time.
Consumer complaint received 2022-01-10
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: Synovus Bank (GA)

I have experienced ongoing issues with removing unknown accounts on my credit report. I have sent in multiple dispute letters and have yet to receive anything. I sent off an original dispute letter asking for them to send over certain documents that requested them to send my original contract with my signature attached. I never heard anything back. I then sent off a 30 Day Demand of Comply letter after waiting 45 days. To this day, I still have not received anything. Under FCRA, failure to validate the debt in 30 days demands an automatic deletion. Furthermore, the original signed contract has still yet to be sent to me. I demand deletion!!!! 
ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/XXXX I received a text congratulating me on my new account and that my credit card was on the way. I knew I had not opened an account, so I called Bank of America and reported the fraud. They said they would close the account and start a fraud investigation. On XX/XX/XXXX I called to get something in writing saying the account had been closed and to try to get copies of the application used to open the account. I was passed to three different people before XXXX in Tennessee said she would send a letter confirming the account was closed and a copy of the application. I got the letter but not the application, so I called again on XX/XX/XXXX this time XXXX told me I needed to send a notarized FACT Act Request Form to get the credit card application. She sent me the form and I returned it Notarized on XX/XX/XXXX. On XX/XX/XXXX i called and was told it was in process and to check back in a few days. On XX/XX/XXXX I called again, and XXXX told me I should have it in 7-10 days. On XX/XX/XXXX I called again, and XXXX told me to call back in 5 days. XX/XX/XXXX I called again, and XXXX told me it had been mailed on XX/XX/XXXX. today I received another blank FACT Act Request Form to fill out. I think 6 months is sufficient time for them to supply me with the fraudulent application.
Consumer complaint received 2021-02-10
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. (NV)

On XXXX I, XXXX XXXX XXXX XXXX contacted XXXX XXXX XXXX in writing through Certified Mail with out a return receipt, however I have not received the return receipt even though I have proof they received it on XX/XX/21 at XXXX. I sent my Cease and Desist Letter, Affidavit of Truth, Invoice and exhibits that are attached. I am contacting the CFPB due to them being in violation of 15 USC 1692c and 1681a ( b ). They reported my credit transactions, private information violating my privacy and have scored me making it detrimental to my life and caused defamation of character. I am seeking remedy under 15 USC 1692k. Also after them receiving my Cease and Desist letter, I was called contacted on XX/XX/21 at XXXX which is a violation of the FDCPA and the TCPA and 15 USC 1692c, and pursuant to 15 USC 1605 they are also in violation. I'm requesting an additional XXXX IN A CHECK for these violations that occurred afterwards. I have attached documents as proof. I Would Like your help in getting these matter addressed quickly. Please and Thank You.