davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX  Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft
Consumer complaint received 2015-09-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NY)

Asked for forbearance in XXXX, paid navient {$50.00} for the forbearance due to hardships. I have harassed by calls everyday for the past XXXX months saying I am late on payment. XXXX XXXX navient also screwed me when I asked for help, they failed to tell me the help was just paying interest not principal for the past XXXX years. Finally, moved by federal loans to fed-loans.gov. They are deceptive, deceitful. They screwed me
Consumer complaint received 2015-07-07
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

I have contacted beneficial about releasing a lien that should have been removed since 2003, I have called and faxed requests and unable to get someone to help me. The representative is stating they will send a release to the local court house, I had a local title company search and still show a lien, whywhy have the taken so long to release it, it is still showing a lien by beneficial hsbchsbc
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My information was leaked several months ago, and I've had credit card applications submitted that are not from me. I've been working on my credit and have applied for credit-building programsnone of which involve any of these companies. I have submitted for this before, and it's affecting my credit significantly. 


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 BK of AMER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX  agreement with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00}. 

XXXX XXXXXXXX XXXX Installment sales contract with account # XXXX opened on XX/XX/XXXX and a balance of {$1700.00}. 

XXXX XXXX XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$5100.00}. 

XXXX XXXXXXXX XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$590.00}. 

XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$1700.00}. 

Collection account from Unknown with account # XXXX and a balance of {$730.00}. The original creditor is XXXX XXXX. 

XXXX with account # XXXX and a balance of {$170.00}. The original creditor is XXXX XXXX XXXX. I paid off this account but its still showing that I owe a balance. 

XXXX Collection with account # XXXX opened on XX/XX/XXXX and a balance of {$4700.00}. 

XXXX XXXX company with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I was never late on this account. I have made all my payments on time. 

XXXX XXXX XXXX Real estate mortgage with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX XXXX XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$1000.00}. 

Collection account from XXXX with account # XXXX and a balance of {$830.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.
Consumer complaint received 2023-03-22
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Compass Recovery Group, LLC (TX)

Contacting people and harrasing them about XXXX XXXX like the police because they are associating an old address with the person they are trying to collect a debt from. harassing non-related people. very aggressive. also calling from an XXXX XXXX
Consumer complaint received 2022-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I lost my credit card but i was able to use it on XXXX XXXX till i noticed there were purchases that i havent made to the point i cant even use my card anymore. I did make a payment regardless of it getting stolen so my score wouldnt be affected but i was too late.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (FL)

My information was leaked several months ago, and I've had credit card applications submitted that are not from me. I've been working on my credit and have applied for credit-building programsnone of which involve any of these companies. I have submitted for this before, and it's affecting my credit significantly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Citi Cards CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please be advised that as of XX/XX/2020-as listed on my most recently reviewed consumer report, there are unverified accounts listed. 


15 U.S. Code 1681i - Procedure in case of disputed accuracy
Consumer complaint received 2015-07-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC (DC)

Allied Interstate debt collectors has called my residence XXXX times since XXXX XXXX, 2015. At times, the calls are only minutes apart. Normally it is a machine, leaving a message : This communication is from Allied Interstate LLC, a collection agency that is attempting to collect a debt. Any information we obtain will be used for that purpose. " On the rare occasion that it is a person, they were told the debt does not belong to anyone at our number, please stop calling ( to no avail ).
Consumer complaint received 2016-10-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (MD)

I purchased an auto in 2007 from a local dealer who finance using Drive Financial who later changed to Santander Consumer USA. I have still not received my lien free title and on top of that after deferring several times payments my credit reports shows various incorrect reporting issues. I am still trying to get them to clean up this mess.
Consumer complaint received 2016-02-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Adler Wallach & Associates, Inc. (CA)

I have contacted AWA collections 3 times by certified mail as well as disputed the XXXX fraudulent accounts with all XXXX credit bureaus and they allege the accounts belong to me. I have a police report on file in this regard and I have supplied a copy of the police report to them. The last time I contacted them by mail was on XXXX XXXX, XXXX has been two months and they still ignore me but yet and still they continue to report the accounts. Accounts Numbers XXXX and XXXX
Consumer complaint received 2015-05-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Focus Holding Company (FL)

Due to having an incorrect address, XXXX forwarded my account for {$110.00} to a collection agency ( Focus Receivables ) at XXXX. They negatively reported this issue to the credit bureau and I have attempted multiple times to resolve this issue and get it removed from my credit file.
Consumer complaint received 2024-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

Dear CFPB ; I am currently being nickled and dimed should I say because an account that was opened by myself using a verified check from XXXX student loan, number XXXX ; and also they have verified to me the amount of XXXX ; from the representative XXXX.After I made my deposit, my local bank here, Citizens Bank, address XXXX XXXX XXXX, my federal check was frozen and so was my account not allowing me to get online banking and thus I had to pay 3per month because my account has been frozen for approximately five months currently and it now seems very curious.While XXXXm waiting for a check to clear from the US Treasury I feel safe to say because I did indeed verify the exact amounts with XXXX at XXXX Student Loan.My funds are from a US Supreme Court class action lawsuit where my school, XXXX XXXX XXXX XXXX and many others were found to have been found liable for loans to misrepresentation.This can be found in the US Supreme Court Borrower Defense Class action Lawsuit.Please note this is not associated for any if the Biden Admin student loan progress.I do appreciate any help and I will include the US Treasury check stub I do have after I gave the settlement funds to Citizens.I have attempted to give my time and more than is necessary information to Citizens about my ause for receipt of the federal money explanation and feel it should be the Banks turn to be fair especially as they maintain a federal charter and should be verse on this case.Sincerely yours, thank you XXXX
Consumer complaint received 2019-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

I have contacted the card company and was told that the item would be removed from my credit reports. Now it is back on all three reports. This item has been reporting since XXXX. I would like it removed as it is : 1 - old 2- going to cause me to lose my job 3 - preventing me from providing for my family of XXXX. 

Please help me in getting this item removed- XXXX   XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX Account Sale Info : ACCOUNT SOLD TO XXXX XXXX  Remarks : DISP INVG COMP-CONSUM DISAGRS ; PURCHASED BY ANOTHER LENDER ; >PAID IN FULL/WAS A CHARGE OFF<
Consumer complaint received 2016-09-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

SLS Specialized Loan Servicing, Colorado, does not apply the principal payments I make towards principal but considers it a regular payment. Then they do n't withdraw my automatic monthly payment but move it to later months. That way the company benefits from the spread and I do n't pay down my mortgage. There is no response to emailing the company through their automatic system. It is unclear all the changes they make to my mortgage. This company misleads the consumer. This is not my first complaint to SLS.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I contacted every company that did an unauthorized hard inquiry on my credit reports XXXX, XXXX and Equifax. Each one of them said that i need to contact the credit bureaus and dispute the information. I did opened a dispute with XXXX, Equifax, XXXX more than a month ago and the unauthorized information is still showing on my report as of today XX/XX/2024. 


Also a XXXX  collection account has been reporting on my XXXX  credit file more than 7 years violating the terms of the fair credit reporting act.
Consumer complaint received 2022-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Convergent Resources, Inc. (NY)

Hello I have been trying to open a credit card for a long time now and I keep getting denied I looked at XXXX and I seen A credit card opened XXXX XXXX I get several texts saying account blocked from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX And got a letter for a cell phone company I do not use that went to collections - XXXX Also A installement company and I never used installments
Consumer complaint received 2016-09-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Stellar Recovery, Inc. (FL)

I received a letter from yet another collection agency regarding an account in my name that was fraudulent and the result of identity theft. I called the collections company and explained that there has already been another collection company which has dropped this matter due to ID Theft. They stated that they received the collection from XXXX. I told the agent I spoke with at the collection agency that they are not to contact me in any manner again about this matter and that I was filing two complaints today with CFPB- one re : their agency and a seperate one about XXXX . I have been dealing with ID Theft for over two years and I have placed freezes on all my credit reports, I have made police reports, reported it to the FTC and made several complaints on this website. I am weary of all this and I need some relief. 

This is regarding an account someone opened in my name and with my information in XXXX XXXX, FL at a fraudulent address. I am not sure if it was for cable tv, internet, phone, or what, but XXXX definitely does not do due diligence in opening accounts. They should not have been ABLE to open an account in my name due to a security freeze on all my credit bureau information.
Consumer complaint received 2016-10-02
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: SYNCHRONY FINANCIAL (PR)

Agency Call me two time, First time I was at work Lunch time, He mention that My debt from Old Navy is around the amount of {$1700.00} which is not correct. I ask for a verification of amount of the debt in writing but they refuse. Then, I told them that I ca n't continue the phone conversation since I was at Lunch in my work. Again, they call me on XXXX at XXXX threatened that I own over {$1700.00} and again I indicated that is not the correct amount. He offer a discount so I could agree in that momment to paid the amount of XXXX XXXX something. ( Ca n't remember the correct amount do to his improper way of talking and threatened ). And again I said that I ca n't agree to nothing before the debt amount is verified. They he turn mad and threatened me to sue me and talking to someone in the background that to pass over the file to the Attorney ... 

I never refuse to paid. I also ask for clarification of the amount of the debt and was refuse to me in both phone calls. I 'm a resposible person and I understand that there is a debt that need to be verify the amount because is not the correct amount. I feel dishonor, disrespectfull and since then I ca n't XXXX all the time thinking of the situation of this Collection Agency. I once back on XXXX when I enlisted to the XXXX XXXX XXXX XXXX, I sent a letter asking to settle the outstanding debt but never receive a response back from the Original Agency ( Old Navy ). Now I have this collection agency calling me and threatening me like if I didnt do my part before to resolve the outstanding debt. Back at XXXX If the agency will call or respond me this will not be happening at this moment, not the calling and not the amount that they say I own.
Consumer complaint received 2016-05-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lendmark Financial Services (TX)

Lendmark Financial is trying to collect on a debt 2 times which they have already sold or transferred to another company, and will not remove from my credit report after my several attempts of disputing. They have multiple accounts on my credit report for same company, different dollar amoounts which is severely affecting my credit rating. XXXX of their reps from the company told me they would removed the account from my credit report back on XXXX XXXX, 2016 because they longer had my account or file.
Consumer complaint received 2015-03-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

ive asked for a signed contract they will not show me anything signed sends me a list of bills from itr but nothing signed by me. XXXX complaint always same response. want a signed contract from me or removed i dont beliave i have ever had XXXX i have had XXXX for 5 years
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have a ninety day late payments on an account that I did not open and had no knowledge of. The consumer reporting agencies have need to report all Information with complete accuracy. This account was report fraudulent back in XX/XX/XXXX. I've attached a copy of my report to this complaint on XX/XX/XXXX and XX/XX/XXXX. I'm now requesting you to investigate and provide verifiable proof with records showing that I had late payments. If this Information can not be verified I demand these payments be updated immediately. This Information is only reporting on my XXXX Report. Thank you for your understanding and prompt action.
Consumer complaint received 2022-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (ME)

In XX/XX/XXXX I noticed that my statement from my mortgage company was inaccurate with the amounts that I had paid for my principal and the interest. Every month since Select Portfolio Services , Inc bought my loan from XXXX XXXX XXXX around XX/XX/XXXX I have had to continually call them to fix the separate Principal payment. They tend to put it where ever they choose. I have always kept my statements and still have most of my statements from XXXX XXXX XXXX and Select Portfolio Services. Recently they have not been fixing these errors and have even sent an incorrect 1098. I called them back in XXXX of XXXX to make sure that my Principal Payment was sent to the appropriate address and it still gets messed up. When I call and tell them to fix it they say that they are in the process of fixing it, but it has now been 3 months and it is still not correct. My Principal paid should be showing {$640.00} that I have paid so far this current year and my new mortgage payment should be due for XXXX. Instead the amount showing is {$42.00}. I pay {$300.00} a month separately to principal. They also tell me that I owe a fee of {$90.00} that was a carry over from the previous mortgage company. Which I have never had a fee from my previous mortgage company. That fee is now lower and when I asked when was it that I made a payment to this supposed fee they could not answer me. I keep very good records on my account and any payments that I make. I will have to call them again, because when I went to their web page to check my account it is showing that I am not do to pay until XXXX which is not correct and the {$300.00} principal payment has not been applied.
Consumer complaint received 2022-02-10
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and ID as it contains my full complaint and requests. I am hereby notifying you that neither on those dates or dates similar did I authorize any individual from the listed companies to pull or review my consumer report. Additionally, I have not given XXXX this information. Having understood this is a violation of XXXX XXXX XXXX ( XXXX ) ( XXXX ). Both together and separately my consumer and privacy rights are being violated.
Consumer complaint received 2020-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (AZ)

A purchase was made on my Comenity card that was not made by me from a. company namesecuretest. Was told that I could not make a dispute until it posted ... what the heck. Locked both cards. Called today because another purchase was made by the same company and today ... their computers are down.

I also had a fraudulent purchase made on the XXXX XXXX scan & go app that was not made by me buy on my account.I called to report and they did nothing ... I stood my ground and did all the work MYSELF ... to get the charges reversed. This company does nothing to help the customer.