davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NC)

As of XX/XX/2019, ( this year ) I wanted to work on my credit or at least find out why I had no credit. I applied for the Annual Free Credit Report from Equifax. After answering all their questions, they displayed a notice on the screen saying I could not receive my credit report. I then called the number and talking with multiple people, verified whom I was, once again said I would have to mail my Social Security Card and Driver 's License to them to verify physically I am myself. But, after reading about their neglect and abuse and MANY BREACHES of information, I Honestly do not TRUST THEM ANYMORE with ANY OF MY INFORMATION ON FILE. And how do I know Equifax will NOT LOSE THIS INFORMATION AS WELL. I HONESTLY WISH I COULD JUST WALK IN A PHYSICAL BUILDING, present my ID, Fingerprints, and ANY OTHER FORM OF IDENTIFICATION that they may need or already have on file, but to just blindly keep giving Equifax ALL OF MY INFORMATION, POSSIBLY TO KEEP LOSING, YET, I STILL HAVE NO CREDIT REPORT MAKES NO SENSE. TONIGHT I TRIED AGAIN TO SEE MY CREDIT REPORT, AND ONCE AGAIN, DENIED. 
I have luckily been able to see my XXXX XXXX through XXXX through XXXX   XXXX, and Honestly if they had Not helped me at least with that, I would have given up on trying to fix my credit or even apply for any. 
Personally, I think Equifax is a DISGRACE to our economy.

Many hard working people are trying to fix their credit, yet the one job Equifax has ( well 2 ) # 1 KEEP OUR INFORMATION SAFE and # 2 MAKE THAT INFORMATION AVAILABLE TO THE CONSUMER UNDER FEDERAL LAW.

YET, # 1 My information was NOT KEPT SAFE and # 2 My INFORMATION may or may NOT have been given to a criminal to buy a house, a car, open credit cards and various other criminal acts, but Equifax refuses to help me to solve this issue. Instead, they want me to buy their consumer protection monitoring kit but, still will Not tell me if someone has bought a house, car, ect. IN MY NAME!!!

I Called the police about this, and they said I needed a credit report from Equifax to verify this, to press charges, but here we are again, with Equifax giving me the run around about my credit report.

I have NOT BOUGHT A HOUSE OR CAR LIKE THE QUESTIONS EQUIFAX KEEPS ASKING ME AND THEN TELLING ME, I GOT THE QUESTIONS WRONG, SO I CAN NOT GET MY REPORT. What do i do?? And if EQUIFAX JUST MADE UP THOSE QUESTIONS TO TRY TO TRICK ME INTO THINKING MY INFORMATION WAS HACKED, JUST TO SELL ME A MONITORING PACKAGE, AND IT LEAD TO ME FILING A FALSE POLICE REPORT, WORRIED ME FOR MONTHS, THEN HOW IS THIS LEGAL???
Consumer complaint received 2021-01-27
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: Complete Credit Solutions, Inc. (OH)

In early XXXX I submitted a dispute request to XXXX  re : a debt showing on my report. The company XXXX XXXX XXXX  XXXX XXXX XXXX XXXX was a defendant in a class action lawsuit ( case no 3:19-cv-293 in the Eastern District of VA court ) . This class action lawsuit court docket states on page 2 section 3 that the suit applies to all consumers in the United States with loans that originated from XX/XX/XXXX to XX/XX/XXXX the loan I had originated in XX/XX/XXXX. Section 13 e of the court docket states that information will be removed from consumer 's credit reports- this case was settled on XX/XX/XXXXXXXX This information has been removed from my XXXX and XXXX file already but not my XXXX file- XXXX  has stated the creditor states the information is valid and per the outcome of the lawsuit - it is not I submitted a complaint to the XXXX also in early XXXX - again this account was to be to be removed from my credit profile due to a settled class action law suit- any account issued prior to a certain date would be forgiven due to the companies unfavorable lending practices. The company stated they would repurchase the debt from the collection agency and then retire the account. To date this has not occurred and the item is still appearing on my credit report. I have contacted the company numerous times- they always state they will request the update again. It is now going on the end of 3 months with no resolution. This is a copy of the e-mail from the company : Help at XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX Dear XXXX, XXXX has received a copy of the complaint that you filed with the XXXX. At XXXX, we have high standards for customer service and take your complaint very seriously. Having reviewed the complaint, we understand your concerns regarding the credit inquiry with XXXX. In accordance with our customary practices, XXXX sold your loan on XX/XX/XXXX, to an independent third party ( debt buyer ) unaffiliated with XXXX after not receiving a payment from you in over 90 days. We never received a payment. XXXX sold and transferred to the debt buyer all of our rights, title, and interest in this loan and has not attempted to collect on this debt since the date of the sale. However, due to your concerns, we have requested to buy back your account from XXXX XXXX XXXX XXXX Group. Once this is complete XXXX will retire the account. We have also reached out to XXXX and they have confirmed that the inquiry for loan XXXX has been removed. If you have any questions, please contact me at XXXX. Sincerely, XXXX XXXX Contact Center Supervisor XXXX XXXX
Consumer complaint received 2022-09-22
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. (KY)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXXXXXX XXXX have 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Hello and good day I had an disputed account removed from my credit report. From all three credit bureau back on XX/XX/2020. Later that year another company reported on the same account as that I still owned it. I have already contact all three credit bureau as well as the company that is reporting once again on the deleted account. Please refer to the attachments. The original account name was XXXX XXXX # XXXX, now XXXX XXXX XXXX is reporting. I have reached out to them stating that the account has nothing to with me and that it has been delete off of my report. They once again are charging me for it. I have sent proof and notarized letters stated that it was delete from all three credit bureau as well as sent to XXXX XXXX XXXX. please help me out. I have reach out to XXXX, XXXX, transunion and XXXX XXXX XXXX. They are not wanting to help even with the proof that has been provided
Consumer complaint received 2021-02-01
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/XXXX 30 DAY DEMAND XX/XX/XXXX
Consumer complaint received 2022-09-26
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I have a Bank of America Credit Card and it has been fine to use, however recently I got an email that a savings account i " applied '' for was approved, but I did not apply for one. 

Now, I can not continue to use my primary checking account at another institution to pay the BoA Credit Card bill, it seems I have to use the savings account i did not ask for. 

Its frustrating, and I may try to transfer my balance to another bank to clear it from BoA and be done on that side.
Consumer complaint received 2021-02-01
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: Bread Financial Holdings, Inc. (TX)

Comenity Bank MasterCard This complaint is about an unresolved billing error with Comenity Bank. What happened was I cancelled an order for a king size bed from Wayfair. It cost {$1600.00}. Wayfair promised a refund when the bed was back in the warehouse. I never received it. It was tracked to a destination and then sent back to Wayfair warehouse between XX/XX/2020, and XX/XX/2020. It was list in transit, said Wayfair. My balance on Wayfair for the bed lost in transit stayed in my account while in the meantime Wayfair converts their accounts to Comenity Bank where my refund showed still as a balance owed on the conversion date of XX/XX/2020. I tried to resolve this matter with both companies to no avail. Many messages, phone calls, holding for hours, getting hung up on and disconnected, I experienced with frustration, anger, XXXX, XXXX, anguish, as I am told by Wayfair to take it up with Comenity and Comenity, not our problem. Talk to Wayfair. 
I had to make credit card payments to Comenity Mastercard on the bed I never received/supposed to be a refund. I incurred late charges before I even realized that Comenity Bank had issued me an unauthorized credit card from an unauthorized credit app. By the time I figured out what was going on, I had paid Comenity Bank MasterCard two payments to keep my account from becoming delinquent ( {$350.00} and {$200.00} ). I incurred several late fees ( {$40.00}, {$28.00}, {$40.00} ).

Neither company customer service representatives, supervisors, or managers ever took any action in my part except for one Wayfair customer service agent, who assisted me in contacting Comenity and opened a billing dispute for me at end of XXXX. To date I still have not received my refund owed XXXX fees paid or payments credited as this dispute rocks along for now 8 months. I contacted Comenity recently to inquire the status. I was told I would be receiving a refund for all my due money refund credited minus a miscellaneous debit for {$160.00} ( Im too tired to even try to figure that out. ) I was assured two weeks ago that I would be receiving a check for {$2200.00} to my home address. I have not to date received any check. I want my money back ASAP from these crooked financiers with faulty practices and money account procedures and policies.
Consumer complaint received 2022-09-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: JPMORGAN CHASE & CO. (NV)

I bought from XXXX an auto starter, charger was for starter and core return. I return starter and was only given credit for core return. I did a dispute, which they did nothing, and never even sent me a letter closing it, just recharged me.
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Hirshberg Acceptance Corporation (MI)

XXXX The company reported to my credit the same account at separate time with ( 2 ) separate amounts thats owed ( 1 ) amount stated XXXX and the 2nd amount stated XXXX ( for the same account ), It impacted my credit score lowering it dramatically in which case caused a loan I was applying for to be denied. Ive contacted the company explaining this issue only to be placed on hold and then hung up on. Ive recently reached out again in XX/XX/2021 and still havent had any luck.
Consumer complaint received 2021-07-08
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. (NC)

Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.
Consumer complaint received 2021-09-27
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. (NV)

I have contacted the XXXX bureaus and the original creditor letting them know the following information is fraud and needs to be removed immediately. They have failed to do so. IU have not received any letters from the original creditor regarding this debt. Nor have i received information from this XXXX XXXX XXXX  regarding this debt or informing me they would send anything to collections. This violates the fdcpa and is fraudulently reporting on my credit report i demand immediate removal.
Consumer complaint received 2022-09-22
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: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX ACCOUNT NUMBER 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
Consumer complaint received 2021-09-27
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. (NV)

I have contacted the XXXX bureaus and the original creditor letting them know the following information is fraud and needs to be removed immediately. They have failed to do so. IU have not received any letters from the original creditor regarding this debt. Nor have i received information from this XXXX XXXX XXXX regarding this debt or informing me they would send anything to collections. This violates the fdcpa and is fraudulently reporting on my credit report i demand immediate removal.
Consumer complaint received 2021-02-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc (PA)

Williams and Fudge from phone number XXXX XXXX XXXX have tried to contact me on a recorded line. They would not initially disclose who they were and have still not disclosed what they are looking for from me. I have no debts currently. I suspect that this is some kind of fraudulent attempt at stealing from me.
Consumer complaint received 2022-09-22
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. (FL)

CFPB + TransUnion + XXXX XXXX, On my XX/XX/2022 it says there is a collection account from XXXX- not only do I not know whom this creditor is- they have re-aged this collection account which is a violation of FCRA compliance. 

Attached to this complaint are : - drivers license - social security card - address - written complaint + screenshot from credit report where its located I demand this account, which does not belong to me, and has been illegally re aged, be removed from my TransUnion credit account immediately.
Consumer complaint received 2021-02-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (CA)

Quicken 's underwriters and the closing team did NOT disclose the added PMI insurance at any time prior to signing. They solely made the decision to waive the appraisal and add PMI without our knowledge. PMI or appraisals were never mentioned during the entire process ; they just added it to the closing paperwork. 

Since PMI was never discussed, we assumed they added our homeowner 's insurance payments to the loan since the property is located in a California fire zone. When we contacted the resolution team, the representative said we had 4 ways of eliminating PMI with one of them would be paying down the principal. 

Later, he emailed the following message, " We do apologize that you were never told that you would be having PMI on your loan. The reason that you have PMI is because you would have need an appraisal to be completed. Due to the fact that appraisals were extremely delayed in your area, our Mortgage Banking team wrote your loan to not need an appraisal. This saved you time on the days your loan was in process and you did not have to pay for an appraisal. Your loan is now closed and the terms of the loan can not be changed. This issue is now closed and no further action will be taken on this issue. '' This did not save us time nor money. The loan took longer to close than any other lender, and we now have almost $ XXXX to pay in insurance even though we have excellent credit and plenty of collateral.
Consumer complaint received 2022-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion has consistently provided false information to the CFPB, on XX/XX/2022 I submitted a CFPB complaint about TransUnion XXXX failure to do a proper investigation into my dispute. TransUnion closed out the complaint today on XX/XX/2022 stating that their investigation was completed. However this a FALSE STATEMENT, I have enclosed evidence that TransUnion has not even started the complaint until XX/XX/2022 and the complaint is still in progress as per their own website. I have enclosed proof of TransUnion, s violation of the FCRA ONCE AGAIN. Disputed Account XXXX : XXXX BANKRUPTCY/ Account Number : XXXX.
Consumer complaint received 2021-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (MD)

XXXX XXXX is deceased. XXXX XXXX, I'm the owner of XXXX XXXX XXXX XXXX XXXX MD XXXX. I Took over mortgage payments in XXXX. 

I was unaware I had to pay XXXX XXXX, additional {$98000.00} XXXX XXXX XXXX balance XXXX for previous refinance, by the deceased homer owner.

The bank want the lump sum at one time So I to File bankruptcy XXXX, in order to keep my home. 

According to bankruptcy court she had a Orginial fixed rate loan payment with a due date pay off was in XXXX, which I still paid beyond the due date. 

According Master bankruptcy court my attorney was to investigate the loan as directed by the judge on the fixed and ballon payment. 

The judge said it was fixed loan. I'm still paying loan {$87000.00} 9.8 % rate interest XXXX principal. 

XXXX XXXX sold mortgage to 3 times to subsidiary banks such XXXX XXXX servicing, SN Servicing Corporation. 

Since then XXXX cash my homeowners insurance check to fix {$6200.00} foundation in XXXX, never return it to fix foundation. 

Homeowners insurance also sent need new roof XXXX and the SN SERVICING CORPORATION received the check from my Insurance is still holding that check for over a year, and I can not get roof or foundation fixed due to this issue with my mortgage compand and im still paying them for the loan through bankruptcy court. 

My ceilings have molded, also part ceiling fallening, and my income tenant move out. This is also a health hazard to me and my family. Roof still leaks. I'm still in bankruptcy paying mortgage to SN Corporation ... about $ XXXX so far.
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (CA)

Spoke on phone with ERC on thursday XX/XX/2021 ( XXXX XXXX XXXX XXXX, FL XXXX ) via their phone number XXXX XXXX XXXX about a notice of collection. 
The bill was paid and verified. I have a reciept. I was assured this was not being reported at the time nor would it be reported on my credit report. 

I verified this by looking at my credit report. The following day, XX/XX/XXXX it was reported by them on my credit report at XXXX.
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (WA)

On XX/XX/XXXX, I applied for a Barclay 's XXXX XXXX credit card. It offered a signup bonus of XXXX miles + {$95.00} statement credit when spending {$2000.00} within 90 days. 

I met the spending requirement within 45 days and was awarded the XXXX miles as expected. However, the {$95.00} statement credit was not issued. 

I contacted the bank and they first said that I needed to show them an " offer code '' in order to get the credit. I responded by informing them that I followed a link which clearly stated the offer ( but had no " offer code '' ) and that, even now, the same offer that I signed up for was being advertised ( see attached ). 

They told me that I must have signed up for a different offer because they had no record of the statement credit offer on my account. 

I have a record of their offer that was previous to this current one ( .which they launched on or about XX/XX/XXXX ) and it was only for XXXX miles & NO {$95.00} statement credit. Clearly, because they awarded me XXXX points, they should have also awarded me the {$95.00}. 

*** They owe me {$95.00}.
Consumer complaint received 2021-11-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (NJ)

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company.