davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-01
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. (FL)

THESE ACCOUNTS THAT ARE LISTED ARE FRAUDULENT SOMEONE USE MY IDENTITY TO OPEN FRAUDULENT ACCOUNTS WITHOUT MY KNOWLEDGE I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian XXXX. On XX/XX/2020, I mailed XXXX, XXXX  and Experian 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 2023-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX  is claiming I had a credit card that I never had. I'm XXXX. They are ruining my credit. I have repeatedly disputed it and they keep " verifying '' it. Furthermore, I called them to opt-out all the way in accordance with privacy laws and they refused.
Consumer complaint received 2021-08-11
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: ZIONS BANCORPORATION (TX)

Dear/Sir we had a big issue with this bank XXXX Amegy bank ) and loan  officer XXXX XXXX XXXX XXXX # XXXX ) As the first time home we completed all requirement. Applying, signing a different agreement also we take first time home buyer education and paid for appraisal. let me make it the story. i was apply XX/XX/2015 then we did everything.after that we are waiting more than 100 days until XXXX XXXX to closing date ) until this day the loan officer told us we're good everything is going to smoothly. Finally at the closing date he just said " we can't closed today '' After 100 days he start the process he was hold the document and killed my time and wasting my time. He just start pull my credit, checking my tax return. They messed up our life because we're expecting moving out on XX/XX/XXXX to the new house. Already i gave notice for our apartment and we packed all staff also we made the big mistake we didn't register for our kids XXXX year school. Without reason they let us down in last minute. We're so badly disappointed.
Consumer complaint received 2022-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I Tried to obtain an auto loan and some credit accounts, and my credit was shopped around without my consent, I checked my credit and saw that I had 47 hard inquires that I didn't recognize. 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 XXXXXXXX XXXX XXXX
Consumer complaint received 2020-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

Please see prior filed complaint which was not satisfactory addressed.

1. How do I made the payment of XXXX  $ mentioned in the response?

2. The count is still incorrect. Loan sequence 1-2 should have a qualifying date of XX/XX/XXXX ( even with your logic re consolidated ).

3. The remainder of the loans should all have the same number of qualifying payments as they were all paid together and on automatic payment, with a qualifying date of XX/XX/XXXX ( at latest ).

4. Please review and submit payment overrides for months that bills were not appropriately sent and therefore payments were not counted.

5. Please recount my number of qualifying payments.
Consumer complaint received 2021-03-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PENTAGON FEDERAL CREDIT UNION (GA)

I was approve for an Automobile loan of {$17000.00} in XX/XX/XXXX with Pentagon Federal Credit Union. I started payments from XXXX to XXXX and on XX/XX/XXXX I applied for Covid-19 loan deferments which lasted for 8 months. On XX/XX/XXXX I resumed payments for XXXX and then one in XXXX and that was when I noticed that the 5 payments I made from the year XXXX to XX/XX/XXXX was not reflecting on my current balance of {$17000.00}. I called pentagon on XX/XX/XXXX at approximately XXXX to get some more insight about the matter. I was on the phone with the representative for approximately 40 minutes as she tried to analyze the matter unsuccessfully. She place me on a hold a couple of times during the call and when she returned the final time I requested an itemization of my payments and then the call was suddenly severed. 
On XX/XX/XXXX I made a payment to see how it would reflect my balance just bringing it slightly down to {$17000.00}.
Consumer complaint received 2020-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (WA)

I am in a serious health condition and my husband is XXXX of XXXX XXXX. Obviously, I am stressed to the XXXX. I XXXX XXXX and in the midst of one, dropped my card in one of my many boxes. IT IS NOT STOLEN and I am not concerned about that because I know I will eventually find it. I called and explained this to a customer service  representative, XXXX, with CitiBan

k and she assured me she would send me the same number, no problem, and expedited delivery. I spoke NO ONE nor did I do anything via non-verbal sources. It was important that I get the same number for many reasons ... I have many auto-pays that would need to be changed and a couple of the companies I purchase from will not credit for any returns unless I have the credit card in hand. They will give me a store  credit. That would entail a lot of money in credit that I can't afford to do.

Today, I received the replacement card and NO ONE COULD HELP ME because they said the other card was CANCELLED and could not be replaced now. That is NOT what was agreed to with their representative and I took copious notes to that affect. I XXXX XXXX XXXX XXXX XXXX XXXX and learned I need to always take copious notes! 

This has put me in such a stressful state with all I am going thru that I actually had to be sedated so I didn't go into XXXX. I am upset because ( 1 ) they didn't do what was explicitly agreed to and ( 2 ) they  say they can't ( won't ) be able to correct it. 

Very upset customer..
Consumer complaint received 2023-01-31
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2019-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (AL)

I have no knowledge of this company or alleged debt. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2020-05-04
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: 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. 

BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ARVEST BANK GROUP, INC. (CA)

I had a loan with Arvest Central Mortgage Inc. Because of Covid 19 hardship I requested a Forbearance Starting XX/XX/XXXX and ending on XX/XX/2020. I made the XXXX payment and in XXXX I requested a cancellation of the Forbearance due to the fact that I was refinancing and it was the new Lenders requirement to close the Forbearance before we close the escrow.

I spoke with a Customer Service Representative and she told me that
we had until XX/XX/XXXX to pay the mortgage otherwise we will have late fees and bad credit reporting. I closed escrow for the refinancing on XX/XX/2020 I really need to have this 60 days late payment remove from my credit report ASAP. I am refinancing my second house and I cant do it  because of this derogatory payment ARVEST CENTRAL MORTGAGE INC. has placed in my report. I have the possibility to refinance the  house at 1.99 % right now, I am paying {$1800.00} and with the new rate I will pay {$1100.00} the difference is {$710.00} for 360 months will be a total of {$250000.00}, thats the amount of damage that I will sustain if they do not remove this derogatory account.
Consumer complaint received 2020-06-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (FL)

Jefferson Capital System has been reporting a collection account on my credit reports for {$390.00}, this has been on my credit since XX/XX/2018. I have sent letters advising I was victim of Identity theft, and they never furnish information to confirm this was my account. They need to delete this account from all my credit reports. I am in the process of purchasing a home and this looks bad for a mortgage and my credit reports.
Consumer complaint received 2022-04-05
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. (NC)

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 E oscar 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 ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-11
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Exeter Finance, LLC. (CA)

I contacted Exeter Finance regarding Account # : XXXX on XX/XX/2021 requesting all the documents regarding the repossession they are reporting on my credit report because I never received any documents. I still have not received a response. I have attached a copy of the original letter and proof of delivery. The balance being reported on this alleged debt has been waived by the creditor. The balance should be listed at {$0.00} due to the creditors failure to comply with UCC 9-616. Please correct this information or delete it immediately. It is a violation of the FCRA to knowingly report or furnish false information.
Consumer complaint received 2023-01-31
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. (CA)

This is my fifth request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX  XXXX XXXX Balance {$600.00} ; XXXX XXXX XXXX XXXX Balance {$750.00} ; XXXX & XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX Balance {$2300.00} ; XXXX XXXX XXXX XXXX XXXX {$9800.00} ; XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX Inquiry : XXXX XXXX, 2021.
Consumer complaint received 2021-04-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation (MD)

On XX/XX/XXXX there was a robbery and my car was stolen. I have Gap insurance. At the time my car was payment was paid 3 weeks in advance. When my car was found it was totaled. XXXX inspected it XX/XX/XXXX and deemed it a total loss. I sent all the documents in and XXXX cut Bridgecrest a check. Bridgecrest informed me that GAP would kick in once they received the payment from XXXX. The check just reflected on my Bridgecrest account history this week. I am getting messages about payment. I called Bridgecrest to see what was the hold up. I was told that it would take 4-6 weeks for gap to kick in after tomorrow and that I would have to keep paying my payments until they finish the paperwork. I have another vehicle now I can not pay 2 car payments because they are trying to milk more money out of me. They also informed me that they would report to the credit bureau as not being paid. I need for them to do their job and push the gap insurance through because that is what it is for.
Consumer complaint received 2023-01-31
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. (NY)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian and XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2021-08-11
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. (NE)

My name is XXXX XXXX XXXX. I am submitting this complaint in good faith on behalf of myself and no other individual. 

The once again reinsertion of the following accounts XXXX XXXX # XXXX, and XXXX/XXXX  # XXXX proves that Equifax did not prevent these accounts from reappearing on my credit report, nor did they verify these accounts with the original creditors as all these accounts have been either settled, paid in full or settled with a secondary debt buyer to whom the original debt was sold to. I have every reason to believe that Equifax used a secondary consumer data agency to verify these accounts months after they were deleted on XX/XX/2021, as they did not conduct a real investigation in regards to the Fair Credit Reporting Act and have subsequently committed the following FCRA violations : 611 ( a ) ( 5 ) ( B ) ( i ) Inability of CRA to furnish proof to the creditor or furnisher that previously deleted item is certified as being incomplete and inaccurate : or the allowing of the information to be reinserted without verifying its accuracy with the furnisher first 611 ( a ) ( 5 ) ( B ) ( ii ) Failure of CRA to provide consumer with certified tracked proof of consumer receiving notice of item reinsertion with 5 day period 611 ( a ) ( 5 ) ( C ). Failure of CRA to maintain reasonable procedures to prevent item reappearance in consumer 's file.

Equifaxs failure to hence remove these two accounts also constitutes to a violation of FCRA : 611 ( a ) ( 1 ) ( A ) Failure to conduct a reasonable investigation into disputed accounts and delete item from consumers file in accordance with paragraph ( 5 ) 611 ( a ) ( 5 ) ( A ) ( i ) Failure to delete unverified information upon investigating items inaccuracy or failure to be verified 611 ( a ) ( 5 ) ( A ) ( ii ) Failure to notify furnisher of disputed information that the information has been deleted from consumers file 611 ( 6 ) ( B ) ( iii ) Failure to provide to consumer a description of the procedure used to determine the accuracy and completeness of the information furnished I am fully prepared to file suit against Equifax for the various FCRA violations listed above ; as I am now owed compensatory damages in regards to 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] I HAVE EXHAUSTED ALL OF MY RESOURCES AND ENERGY TO HAVE THIS ISSUE RESOLVED. Please see the attached documentation on this CFPB complaint.
Consumer complaint received 2017-08-06
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. (VA)

It was a computer glitch that was TransUnion 's problem not mines that caused your inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. These inquiries add a hardship and that my rights were violated by TransUnion.
Consumer complaint received 2019-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (FL)

Suntrust Mortgage currently services my home loan, which includes the escrow of taxes and homeowner 's insurance. This is the second year in a row that Suntrust has not issued payment to renew my insurance policy in a timely fashion. As a result, I have had to come out of pocket, in addition to my escrow funds paid throughout the year to pay for the policy ( since Suntrust failed to issue payment ontime ) and am now seeking reimbursement from the servicer. 

More specifically, my insurance policy renewed XX/XX/XXXX. Prior to the renewal, we changed the agent of record to a local office, XXXX XXXX XXXX, to avoid issues that we had the prior year with Suntrust and the previous agent on record, XXXX. The Agent of Record change took place on XX/XX/XXXX with a copy being sent directly to Suntrust from XXXX XXXX XXXX. Once it was time to renew, I received a copy of the renewal bill and I personally sent a copy via fax to Suntrust on XX/XX/XXXX. 

Note, payment needed to be issued on or before the renewal to avoid possible cancellation. I also asked XXXX XXXX to fax a copy of the bill the same day. I received confirmation the following day, XX/XX/XXXX that the information had been sent to Suntrust by the agency. Then, my insurance agent suggested I call Suntrust just to verify they received the bill and the balance was being processed. I called Suntrust on XX/XX/XXXX at XXXX. I connected with an agent who confirmed that they received the bill and payment was scheduled to be released XX/XX/XXXX, the date of the renewal. I updated my insurance office with this information the same day and have record of that correspondence. 

XX/XX/XXXX. I received a call from my insurance agency 's office. The payment still hadn't been processed/received by Suntrust. I placed another phone call to Suntrust at XXXX, XX/XX/XXXX. I connected with a representative who advised they never received any copies of my bill, agent of record change and they had no records of my previous calls. Therefore no payment was made and that if they did not receive proof of payment they would place forced-placed insurance. 

Maybe there would have been some confusion - however, given I had been through this exact same fiasco in XXXX with Suntrust, I was adamant it wouldn't happen again and made multiple efforts to deliver this information to Suntrust. Now, I have had to come out of pocket AGAIN to fund the policy and am going to seek reimbursement from Suntrust. 

Disappointing is an understatement. I understand how frustrating CFPB complaints must be for Suntrust to have to respond to, but the lack of diligence from the escrow department is challenging to understand. Had I not had the extra funds to pay the insurance policy this would have been an even worse scenario.