davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I did an investigation into my credit and was incredibly angered at what I saw. There is inaccurate and ill-found information that is being reported on my report. I am seeing that this false reporting is due to the fact that the agency was not XXXX XXXX percent confident that the information they were reporting was correct. As well the inaccuracies with my name are causing verification issues and affecting my ability to get credit.
Consumer complaint received 2017-02-02
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (NJ)

I purchased my vehicle XX/XX/XXXX. I started my chapt XXXX bk XX/XX/XXXX my chapt XXXX bk was approved XX/XX/XXXX. It is my understanding that when you are under bankruptcy protection that the loan or finance company can not charge you any fees or accelerate your interest while under bankruptcy protection. 
My loan is due to end as of XX/XX/XXXX. I was just told that my payoff is XXXX this is incorrect. I was also told that this is additional fees and interest charges.
Consumer complaint received 2017-03-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

I am a victim of identity theft and someone stole and used my personal information to open a fraudulent and unauthorized XXXX XXXX XXXX checking and savings account : XXXX, that do n't belong to me. I have never had or opened a XXXX XXXX XXXX checking or savings account. I have attached a police report and other documents to this complaint.
Consumer complaint received 2016-09-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am writing to dispute the following information in my file. XXXX XXXX XXXX XXXX a mortgage company reported the sale of property as a Foreclosure which it was definitely not. It was an Agreed Settlement ( account paid in full for less then full balance ) to prevent/avoid foreclosure.
Consumer complaint received 2016-04-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NE)

Santander refuses to update my credit info being reported to the XXXX credit bureaus to open/current for this loan or lease. I have paid them to make the loan current and paying all applicable fees but they refuse to report the correct/accurate information. This is affecting my livelihood in regards to employment and housing opportunities.
Consumer complaint received 2020-10-19
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. (NY)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2016-04-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

I have been working with PennyMac for almost a year in trying to modify my home. Back in XXXX of 2015, I was only 3 months late, and I had also a complete modification package with Penny Mac. While I was on a call with them to ask about the modification, I asked the agent where I can make my mortgage payment, and the representative instructed me not to make any more payments because then I would be denied because it would show I did not have a hardship. I was hesitant as I still wanted to make payments, but Penny Mac agent said do n't make a payment and we can not accept any more payments unless it is the FULL amount. Shortly after that, I received a Notice of Trustee sale even though I was in modification review and it was confirmed that ALL documents were in. But then, when I would call another agent would state that no, not all of your documents are in. They set a sale while I was in review and they are continuing to play these games with me. My brother and his daughter live in the home and I am XXXX right now with my elderly parents. My father was in the XXXX XXXX XXXX, I helped them with their mortgage payments for 6 months and that is why I fell behind, I have sent this proof in to Penny Mac and they are stating my hardship is not verifiable. Please help me It seems like Penny Mac just wants to foreclose without giving me a chance. Please dont allow them to tell people to miss payment and refuse a payment, I am ready willing and able to make payments, I just need a lower interest rate as it is 6.95 %. Please help. XXXX XXXX you.
Consumer complaint received 2023-01-02
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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-10-09
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: MIDCOUNTRY FINANCIAL CORP (IL)

XXXX XXXX has not removed negative information about my bankruptcy. I 've contacted XXXX on multiple accounts without it being removed. Due to the new law issued XXXX 2017 states that improper or negative and or personal information can not be displayed on my credit report.
Consumer complaint received 2015-04-21
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (FL)

In 2013 I was offered a loan modification. As part of the modification I was charged {$22000.00} in interest. Although I accepted the loan modification, Chase has not been able to explain to me why I was charged this amount of interest and why it was added to my loan balance. I have attached a copy of the loan modification showing the {$22000.00} in interest.
Consumer complaint received 2022-09-06
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. (MO)

I appreciate the effort done by the Credit Bureaus to remove a portion of the disputed Fraudulent items being reported on my Credit Report. However, I immediately noticed that some of the fraudulent items are still being reported. I am now submitting this CFPB Complaint to request another investigation and if possible be completely removed from my Credit File. I have read that the Credit reporting Agencies are required to remove any account and information that could have been resulted due to identity theft under the Fair Credit Reporting Act section 605b. If the Credit Bureaus claim that the disputed accounts belong to me, I need the Credit Bureaus to please provide me copies of documents bearing my signature as proof of verification. Some of the disputed accounts were already deleted from the other Bureaus and it makes me wonder why is it too difficult for the other Credit Bureaus to not remove the disputed items from my Credit Report. Again, please remove the following fraudulent items completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX Natural XXXX XXXX, XXXX XXXX, MO, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MO, XXXX US DEPT ED XXXX XXXX : {$7400.00} US DEPT ED XXXX XXXX : {$7200.00} XXXX DEPT ED XXXX XXXX : {$4100.00} US DEPT ED XXXX XXXX : {$3600.00} US DEPT ED XXXX XXXX : {$2600.00} XXXX XXXX XXXX : {$340.00} XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} US DEPT ED XXXX XXXX : {$7500.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX
Consumer complaint received 2018-03-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (NV)

On XX/XX/XXXX, I received a letter from PayPal Credit thanking me for opening an account. 

I did not open an account and I do not have a Paypal account. 

On XX/XX/XXXX, there were two {$1.00} charges from Paypal against my XXXX  XXXX XXXX credit card. XXXX said there was fraudulent activity on my XXXX card, so they closed it and issued a new card. This is not a complaint about XXXX. 

On XX/XX/XXXX, I received another letter from Paypal credit saying they suspected suspicious activity on the PayPal account and they gave a number to call. I called the telephone number, but the woman demanded my date of birth and last 4 digits of my social security number. I did not give them this information. 

On XX/XX/XXXX, I received a statement from Paypal Credit saying I owe {$800.00} I have received many harassing robo calls in the past few months.
Consumer complaint received 2022-09-06
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. (NE)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please Thank you!
Consumer complaint received 2017-03-14
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CA)

I had a HELOC loan which Wells Fargo offered to refinance because the loan was coming due. 
The bank manager at the downtown XXXX branch offered to do the loan and asked me to turn in my tax return for XX/XX/XXXX and a XXXX for XX/XX/XXXX. 
Several days later I went back to the bank to find out what happened and he told me that they could not do the loan, however Wells is told me that I could no longer withdraw from that HELOC and would just go into a pay back the amount owed which is about {$97000.00}. In fact, they even increased the auto pay amount to just over {$1100.00} per month without my agreeing to that as I was told that it would be about the same amount that was being paid or about {$750.00} per month. 
Mind you that I was NEVER late on this loan or on the 1st Mortgage which is also with Wells Fargo. 
My FICO score is over XXXX and my income for XX/XX/XXXX is over {$94000.00}. 
I had XXXX and told the Manager about it so I was not able to work for about 4 months which put a dent in my income. I should make over {$100000.00} normally. 
I have a fixed social security income of about {$1800.00} per month. 
The only reason for being turned down for the refinance of the HELOC is my age, being a woman and having had XXXX.
Consumer complaint received 2015-10-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc. (FL)

In XXXX 2009 my personal information was compromised when my car was broken into and my handbag stolen. Since XXXX 2009 a series of accounts have been opened using my personal information this has caused my once great credit to plummet to XXXX. Over the past 18 months I have had creditors collections agents harass me for balance owed to accounts that I know nothing about and my credit is non-existent and my hopes of purchasing a home is in jeopardy because of I am a victim of Identity theft.
Consumer complaint received 2022-09-06
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: EQUIFAX, INC. (CA)

I told XXXX via website that there are addresses on my file that dont belong to me along with a collection thats been on my file since XXXX. This delinquent account has been sold over and over again and each month and year its sold and bought the collection reappears on my credit file. I been in XXXX  since XXXX and was released XX/XX/XXXX. There are inquiries on my report during the years I was incarcerated and up to year XXXX before the month of XXXX. XXXX also have these inquiries doing this time period on my credit file. I need help.
Consumer complaint received 2017-10-09
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: PRESTIGE FINANCIAL SERVICES INC (IL)

XXXX XXXX has not removed negative information about my bankruptcy. I 've contacted XXXX on multiple accounts without it being removed. Due to the new law issued XXXX XXXX states that improper or negative and or personal information can not be displayed on my credit report.
Consumer complaint received 2018-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

There is an collections account on credit report from XXXX XXXX in the amount of {$2600.00} On XX/XX/2018, they signed for a certified letter disputing the item. They updated credit bureau 's with information that the account was disputed, but failed validate the account as required in the Fair Debt Collection Practices and Fair Credit Reporting Act.
Consumer complaint received 2015-07-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MD)

Tired to get a loan modification through Ocwen. My mother was put in an assisted living and my wife lost her job. After getting nowhere with Ocwen 's Off Shore call Center I wrote to Senator XXXX XXXX Office. I got a woman named XXXX XXXX who attempted to help me even she could not get anywhere with Ocwen.
Consumer complaint received 2018-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

The three credit reporting companies had confused my identity with my brothers because we have similar first name and last name and we live in the same household.However we have different date of birth and social security number. XXXX has resolved the issues but Equifax and XXXX still confusing our identity. 

I can not access Equifax because it can't identity me with my social security and date of birth.When I try to login, they either can't find me in the system or they confuse my credit report with my brothers. So when I input my information they take me to my brothers credit report. 

XXXX has my brothers credit report and my credit report combined together. There are accounts that belong to my brother and there are accounts that belong to me but however XXXX   has all information incorrect. They have my brothers date of birth and name on my report when I try to pull the report with my social security and date of birth. 

Example of Personal Information displayed in XXXX which is incorrect : Name XXXX XXXX  XXXX Also Known As XXXX XXXX  XXXX XXXX XXXX Birth Year XXXX Employer ( s ) XXXX Address ( es ) XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Statements Personal Statement ( s ) No Statement ( s ) present at this time
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (TN)

I have been put through pure XXXX from the moment I joined XXXX XXXX  several years or more back my information was leaked out and my number turned up on the dark web. My medical records were comprimised I am XXXX and filed bankruptcy in XXXX I have been issued credit cards and for 2 years have made my payments on time XXXX XXXX keeps sending me offers to my e-mail for cards and institutions that I already have accounts with also loan offers from company 's like Onemain financial who did credit report searches on my on 3 different occasions when it should have just been 1 time and sent me offers saying that applying would not cause my credit score to go down when it did I am at my witts end I suffer from a XXXX XXXX and was thrown out of my residence of 5 years during the pandemic when I was not even behind on my rent and was sick and then having to file bankruptcy and then getting my credit back on the right track I had my credit score up to XXXX and now it is in the mid XXXX 's because of all the inquires that I was told would not happen plus I took out a loan from a company that got my address from XXXX XXXX that turned out to be a line of credit and charged me a 325 % interest rate please help me I am a veteran and XXXX and this is killing me
Consumer complaint received 2015-05-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: National Credit Systems,Inc. (NY)

i was contacted by national credit systems inc they informed me they were collecting a debt on a defaulted apartment lease XXXX. i informed them i have lived XXXX all my life and then filed a police report and mailed it to them via certified mail. They keep sending me bills demanding that i pay them {$3200.00}
Consumer complaint received 2024-01-25
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. (NV)

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.
Consumer complaint received 2020-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (WI)

I received a notification from XXXX  that I had a new collection on my credit file. I reviewed the credit file alert, and verified that Sequiun put a collection on my account from XXXX XXXX on XX/XX/2020 for XXXX. I have never had a bill from XXXX XXXX that was not paid, I've never been notified by XXXX about an outstanding bill, nor have I been notified by Sequiun about a collection or a past due bill. I only discovered this by the credit file alert. I do not owe this, I've no idea where this comes from. I've reported this as fraud to all three credit reporting agencies. I reviewed the website for this company after multiple times of trying to reach them. All XXXX 's at their company are full, there are never any people answering calls. There are many reports on their website of fraud occurring with other people, as well as on XXXX search. I've also reported them to XXXX. 

Sequium Asset Solutions XXXX Phone ( XXXX ) XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX   XXXX   XXXX   XXXX  transferred the loan to  XXXX   XXXX  when it was in consolidation and in forbearance.  XXXX  then worked with me putting them in Forbearance until they transferred the loans to  XXXX  where the loans are in good standing and in deferred status while I am pursuing a  XXXX   XXXX   XXXX  . All  XXXX  bureaus as showing the originals  XXXX   XXXX   XXXX   XXXX  account as Closed.  XXXX  is reporting the same accounts as Closed with different account numbers and with delinquent payments.  XXXX  shows yet again different numbers but they are in good standing.  XXXX , Transunion, and   XXXX    are all doing the same. I have requested that these be investigated for years and the response is always the same. That the information is correct upon their investigation.
Consumer complaint received 2022-08-09
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: GOLDMAN SACHS BANK USA (TN)

I was sent a third party text link from a stock pick company XXXX This text sent to my phone only had a simple credit card form to fill out for payment. This wasn't completed on the merchants website at all. 
When I got access to this information, I immediately requested a refund seeing this isn't what I was told it was to be. This company told me they don't honor refunds. I immediately filed a dispute with Goldman Sachs ( Apple Card ). 
Apple Card accepted this companies generic website pages as proof of purchase. 
I have asked over and over again for proof of me accepting a no refund policy as again this transaction NEVER occurred on this website, again all done via a third party text message link for credit card input. 
They have NEVER provided this proof as you must select the box as agreeing to their terms which again never happened. 
Since filing a dispute, this company that took my {$4500.00} has blocked my access and deleted my account. I have supplied Apple Card with this information and they yet refund my money. 
I have contacted XXXX many times via email, text, and they won't respond to me. They have again blocked my account, this is FRAUD!! 
This XXXX company has FRAUDED me out of {$4500.00} and I want my refund. 
I have tried many times resolving this with Apple Card, today I simply asked for my account number so I may include it in this dispute, they refused to provide me with this information.