davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: COAST PROFESSIONAL INC (AL)

I have been getting garnished since XX/XX/XXXX. Under the Cares Act, the garnishment was to stop XX/XX/XXXX & a refund should have been given if anything was garnished after that date. I was garnished on XX/XX/XXXX for {$400.00}, XX/XX/XXXX for {$160.00}, & XX/XX/XXXX for {$120.00} ... I was furloughed due to the pandemic on XX/XX/XXXX but was able to be hired back on XX/XX/XXXX. However, the garnishment was continued on XX/XX/XXXX for {$100.00}, XX/XX/XXXX for {$190.00}, on XX/XX/XXXX for {$160.00}, on XX/XX/XXXX for {$1000.00}, and XX/XX/XXXX for {$160.00}. Thats a total of {$2300.00} through the duration of the Cares Act & executive ordered extension. 
I made several unsuccessful attempts to contact the loan servicer, Coast Professional Inc., and filed a complaint on their website on XX/XX/XXXX & received a letter from them XXXX XXXX overnight on XX/XX/XXXX stating I was eligible for the garnishment hold under the Cares act and would be notifying my employer & would receive a refund of garnishments taken since XX/XX/XXXX. 
I spoke with my HR department today and finally received confirmation of the hold ( after I emailed them the letter I received ) but still unable to get any info on when Coastal or the Department of Education will or how they will issue the refund.
Consumer complaint received 2017-12-11
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (MI)

In XX/XX/XXXX I defaulted on a private student loan, XX/XX/XXXX arranged payments with the collection agency. Monthly payments of {$390.00} were made. 
XX/XX/XXXX the loan was sold to Cavalry Portfolio Services. Monthly payments of {$390.00} continued. I was to receive notifications in the mail to serve as reminders that payments would be coming out. 
XX/XX/XXXX. Receive notification of withdrawal. ( see attach 1 ) XX/XX/XXXX. A letter ( see attach 2 ) is mailed to my father ( co-signer ) saying please contact us to settle or set up payment arrangements for this debt. 
XX/XX/XXXX. Payment of {$390.00} is removed from my account. 
XX/XX/XXXX Father receives the letter ( see attached 2 ) regarding the account.He contacts me asking whats going on. 
XX/XX/XXXX I attempt to call to figure out whats going on. Cavalry is closed. It 's a Sunday. 
XX/XX/XXXX I finally get a hold of Cavalry. They tell me to ignore the letter- it was a computer glitch. They could see I have been making payments and an arrangement already. 
XX/XX/XXXX Payment of {$390.00} was withdrawn. No mailed notification was received. 
XX/XX/XXXX. Received an email from XXXX XXXX saying an account was removed. Log into my account and see that Cavalry removed the collection from my report. 
XX/XX/XXXX XXXX XXXX XXXX. Call made to Cavalry Portfolio Services asking why I never received a notification of withdrawal for XX/XX/XXXX and why the account was removed from reporting? The representative was a bit a of a loss and did not respond confidently. She stated on their end a notice was sent out on XX/XX/XXXX and described the envelope. I told her I knew what the envelope looked like because I save them all for my records. She then that the credit reporting time had expired but the statue of limitations was still in place. She then told me she turned off them Automatic withdrawals.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (NC)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Consumer Number : XXXX Case Number : XXXX For LexisNexis/Consumer FinanceXXXX XXXX 
RE : Request to Block Unauthorized Collection Accounts, Incorrect Addresses, PII and Inquiries from Credit Report under FCRA 605B CONF # XXXX I n reviewing the updated report supplied by LexisNexis, there are still in accurate entries that the database is still reporting under my name : These include incorrect addresses, social security number, telephone number and email addresses. These fraudulent entries were established using my personal Identification without my authorization. The information listed below, which appears on my LexisNexis report, do not belong to me. 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 

Identification Records : Record : XXXX and XXXX Social Security Number : XXXX Incorrect. Needs to be Removed Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, NY XXXX XXXX Incorrect. Needs to be Removed Address Characteristic Record : Record : XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, NC XXXX XXXX Incorrect. Needs to be Removed Inquiry Records : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Never Applied. Needs to be Blocked and Removed Immediately! 

Personal Information : Phone Number : XXXX Incorrect. Needs to be Removed Email Address : XXXX Incorrect. Needs to be Removed I have continuously been in contact via the CFPB. Investigations have been continuously, with no communication in regards to the removal and blockage of the disputed information. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/2023 XXXX
Consumer complaint received 2024-01-30
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. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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  According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-10-31
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown items on my consumer report. It has now been 30+ Days and I have not yet received a reply. I feel as if I'm being ignored and my issues are being disregarded. Section 611 ( a ), explains that failure to investigate disputed items within 30 days is cause for immediate deletion from the consumer report. I have been waiting patiently for a response, for more than the required timeframe. So, with that being said I am demanding that the items be deleted immediately. Their have been multiple violations committed during this ordeal which has me feeling as if I'm being taken advantage of. Ive also searched my name in the XX/XX/XXXX data breach system and learned that my info was compromised. PLEASE DELETE ALL DISPUTED ITEMS IMMEDIATELY.
Consumer complaint received 2022-11-17
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 was a victim of fierce wrongdoing. I'm not accountable for these accounts. I have no knowledge of it, no legal obligation for it, and no information as to its origin. I did not receive any money, goods, or services as a result of the identity theft. These accounts do not belong to me. I never applied to these companies. Plus, the continuous activity is weird. I believe someone stole my identity and opened these accounts without my permission or authority. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physical & financially... and I would truly not what to pursue a legal remedy... I'd like these removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC. (FL)

XXXX Ally bank complaint This a follow up to the above complaint. Their reply is a 100 % lie. Not only did they butcher my income but apparently that is how you do it I offered to pay every single debt ( every one ) which would put me at a XXXX  DI they gloss right over this fact. They are straight up lying and as I figured you guys are backing them 100 %.
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.
Consumer complaint received 2021-10-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (WY)

I recently purchased a used vehicle, and the dealer recommended I use TD Auto Finance as the lender. After securing the loan, I enrolled in TD Auto Finance 's Auto Pay Program, and received confirmation via letter of the same shortly thereafter. The letter in part described that " We will deduct {$1100.00} for your TDAF account beginning with your XX/XX/2021 payment and on the XXXX day of each month after that ... '' Subsequently, I received the SAME exact form letter every single day for the next 2-3 weeks in the mail ( and are still receiving said letter ). I contacted customer service at TD Auto Finance and inquired as to why this was occurring, and to ensure that there was no issue with my upcoming XX/XX/2021 payment. The representative at that time said I was one of several calls she had received that week with the same issue, being multiple form letters received in the mail. She assured me this would cease. It did not. Of a more serious nature, however, is that the payment was never deducted as agreed. On XX/XX/2021 I telephoned TD Auto Finance customer service again and inquired as to whether the issue was on my end. At which time I was advised that it was an internal software issue, that multiple debtors were affected, and I would be assessed a late charge for failing to make the payment on time.
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: FIRST ADVANTAGE CORPORATION (FL)

I was denied employment based on a report that First Advantage pulled. I called them to ask why and was provided a letter showing my credit report. There was nothing on the report that explained what the issue was. I contacted First Advantage back and the representative said my credit report or background check was not the cause and there was and issue with my fingerprint check. I was told someone would call me back in 48 hours. I have contacted this company 3 more times and still have not heard back. They keep telling me that someone from the fingerprint team has to speak with me but they cant transfer me to them. I work for a financial institution and have been employed for 5 years. I had to pass all these tests for my current employer. I do not understand how there is an issue with my report they pulled. I lost out on a great opportunity based on the report they pulled and havent even found out what the issues was. I need to know if there is an error so I can get this resolved. This process has been going on for over a month with no resolution.
Consumer complaint received 2021-04-08
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: EQUIFAX, INC. (SC)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXXXXXX  you have caused me. My information was also impacted by the Equifax data breach  and may have gotten into hands of the wrong person.
Consumer complaint received 2020-10-31
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: CITIBANK, N.A. (IL)

On XX/XX/2020, I purchased active wear for XXXX XXXX from XXXX and I disputed the charge for non receipt of merchandise. The shipping department requested that the merchandise be returned. I disputed {$380.00} cents and the matter still has not been resolved. Citi Bank Disputes sent me a letter stating the merchant is willing to resolve the issue with me, however the merchant is stating that the credit card company still has the funds frozen regardless if the dispute is closed. 

I am requesting an immediate refund for this account and fully refunded for non receipt of merchandise.
Consumer complaint received 2017-12-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Sent a certified letter to XXXX XXXX requesting verification of a credit card debt on XX/XX/XXXX. As of XXXX XXXX XXXX they have who failed to respond to any of my request requesting verification and have continued to reporting it that through the three major credit bureaus
Consumer complaint received 2020-08-31
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Up on trying to obtain an application for a apartment my credit was ran, only to find that a number of accounts was one my report that does not belong to me or any one that I know. I contact those creditors make them aware that those accounts was not mines but only to get no cooperation from none, this is posing a major problem for me.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to formally address the ongoing issue of fraudulent items on my credit report, despite numerous attempts to have them removed. Despite my persistent efforts, these fraudulent entries persist, casting a shadow over my financial integrity and causing undue hardship. 

I have diligently followed all necessary protocols to dispute these items, providing extensive documentation and evidence to support my claims of fraud. 

However, despite my repeated attempts to rectify this matter, the fraudulent entries continue to mar my credit report, tarnishing my reputation as a responsible consumer and hindering my ability to secure credit and make important financial decisions. 

This persistent failure to address the fraudulent items reflects poorly on your organization 's commitment to accuracy and integrity in credit reporting. It is unacceptable that despite my continued efforts to resolve this issue, there has been no meaningful progress or resolution. 

I urge you to take immediate and decisive action to rectify this matter by expeditiously removing the fraudulent items from my credit report. Additionally, I request transparent communication throughout the resolution process, including regular updates on the progress of the investigation and the actions being taken to address this issue. 

Failure to address this complaint promptly and satisfactorily will leave me with no choice but to explore alternative avenues for resolution, including legal action and escalation to regulatory authorities. I trust that you understand the seriousness of this matter and will take all necessary steps to rectify it without further delay. 

I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$3300.00}.
Consumer complaint received 2021-10-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (CA)

Hello, I worked for a mortgage lender, XXXX XXXX XXXX, NMLS # XXXX from XXXX - XXXX and from XXXX - XXXX. On XX/XX/XXXX they furloughed me when I had a 67 loans in process. I asked them to pay me for my loans, and they refused. I was even willing to accept a {$15000.00} lump sum for my loans which would have paid over {$40000.00} had they not furloughed me and Impac became very aggressive and cruel with me. Their legal department made threats and accusations against me and even tried to get me fired from my job at Owning by reaching out to the owner of Owning and requesting that he fire me. This company is very shady and I do not want them to get away with what they did to me and many other employees. Furthermore, they need to compensate me for the loans they never paid me for. Please see the attached emails between myself and Impac 's HR and counsel.
Consumer complaint received 2017-12-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/X/17 I received the results of the disputed accounts on my TransUnion credit report. I have previously asked TransUnion for their method of verification for these accounts, but the only thing I continue to receive are " verified '' results. My requests for their method of verification have been ignored. In the case of XXXX XXXX ( acct # XXXX ), 2 of the 4 accounts were removed. I do not understand this, as these accounts have the same account number. Please provide the documentation used to verify the remaining 2 accounts. Also, XXXX XXXX XXXX ( acct # XXXX ) ; one of the accounts from this creditor was deleted, but the one remains. I am curious to know how 1 account was " verified '', but the other was not. I contacted XXXX XXXX XXXX XXXX for documents to verify the 2 accounts recently placed on my credit report. I have submitted the documentation to TransUnion provided by XXXX XXXX XXXX. It is my understanding, that according to Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, credit bureaus are required by federal law to verify through the physical verification of the original signed consumer contract. I have yet to receive a signed contract from any of the creditors shown below, whom I have personally contact to provide physical verification. Simply submitting a " statement '' is incomplete verification. I have attached all documents received by the creditors listed below. It appears the law has not been followed by TransUnion in regards to Section 609 of the FCRA. 
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 2020-11-04
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: TRANSWORLD SYSTEMS INC (SC)

I rented the apartment XXXX XX/XX/XXXX, we move in on XX/XX/XXXX XXXX XXXX, told us the place was perfect for families, my wife is an XXXX  XXXX  so we ask XXXX about black mold and specially cigarettes she told us the complex was non smoking community, the first day the heater didn't work properly and dishwasher broke down, we sent a repair request and they came fast, was good we thought, then dishwasher broke again and again, the door at the laundry felt off, the first shower the bath tube peeled and have a very weird orange color, the neighbor have a lot of males visitor at least 10 men 's everyday all of them smoking and weird looking, cigarret smell was leaking inside, every night the upstairs neighbor use the washer and walk all night long, my wife complained and the manager in a very rude tone said she couldn't handle, my baby girl my wife and I gets a very bad upper XXXX XXXX  cause one day we came back and some kind chemical smell was inside the apartment, they said was carpet cleaner now we know was poison for XXXX  XXXX, my daughter have some kind of bites and have a very XXXX reaction, my wife clean all te apartment and found out XXXX  XXXX  were coming from the neighbor apartment we made pictures, now this people have a collection company trying to get almost XXXX $ after we have to abandon the apartment because my wife couldn't stand in that nasty place, we left our belongs because the manager said we brought the XXXX  XXXX with us, tried to make us pay the exterminator and we suppose to wait for 15 days for them to come and kill the XXXX  XXXX.