davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-25
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: Georgia Student Finance Authority (GA)

I filed Chapter XXXX bankruptcy in XX/XX/XXXX. Georgia Student Finance Commission was listed as a creditor on the bankruptcy. However, GSFC continue to report negatively during the bankruptcy proceedings. On XX/XX/XXXX, the Chapter XXXX bankruptcy was discharged without contest from creditors. I have consistently contacted XXXX, XXXX, and XXXX, plus GSFC, disputing the the discharged debt. XXXX dispute came back as the debt will remain, Transunion continues report the debt, GSFC continues to report the debt negatively on my report knowing the debt has been discharged. I have reached out to the Vice President, XXXX XXXX, of GSFC to inform her of the bankruptcy discharged and presented all court documents. Her response was that GSFC lawyers informed her that the debt was not discharged which the evidenced shows the creditor is listed and the debt is discharged on page 3 of 5 of creditor report listing GSFC discharged on XX/XX/XXXX. I feel that I have exhausted all efforts with the creditor. As I read the reviews of other patrons of this finance company, they have shared the same experiences with this company. I have attached copies of the bankruptcy discharge report, trustee notes, creditor report.
Consumer complaint received 2021-03-25
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: EQUIFAX, INC. (VA)

You continue to report account XXXX XXXX after the credit reporting time limit has been reached. Not only is the company reporting inaccurate and inconsistent information, the reporting limit has been reach therefore this account must be deleted IMMEDIATELY!
Consumer complaint received 2019-10-24
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (NC)

Vajderbilt mortgage refuses to return my escrow funds of {$880.00} after home was paid off. They claim there is no escrow but i have a screen shot of my mortgage account showing all payments, escrow, taxes, my loan number and do on.
Consumer complaint received 2023-05-03
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2021-03-25
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

By submitting this complaint we are asking CFPBs assistance in removing unfair ( and possibly illegal ) late reportings from our credit history by Select Portfolio Services. 
Back in XX/XX/2020 our family was in a financial crisis due to COVID pandemic just like many other American families. We heard about the pandemic assistance banks provide by allowing to pause mortgage payments without getting foreclosed or being reported as late. Our mortgage is with Select Portfolio Servicing , inc. ( SPS ) and they provide the option to apply for assistance online. We submitted the request thinking that it will be such a relief, but instead our financial situation got even worse. They responded to our request asking for our financial documentation to be provided before they can make a decision. We uploaded the documents, but every time we send them requested documents, they would come up with additional requests after reviewing them for few weeks. It took the whole 3 months to finally get approved for the program that would only reduce our payments for 6 months, but the whole amount would come due at the end of the term. This is NOT a good plan to help people struggling in such a great financial need due to global pandemic. In XXXX, we got our tax return and were able to pay all the past due amounts. We were lucky that we had these money coming in. After rejecting their offer, we were shocked to find that SPS reported us late in XXXX, XXXX and XXXX which obviously ruined our credit history. According to the CARES Act the pause of payment is immediate, but for SPS it took 3 months to make a decision. We dont understand why SPS decided to take so long and after all report us late, and therefore we ask for your assistance since they refused to correct our credit history. To be more clear and specific, we ask for your assistance so SPS would remove late payments from our credit history. When we started the whole process, we were not aware of the timeframe it would take them to approve and that they are going to be reporting us late during the entire time we were in communication. They also reported us wrong because we were late in XXXX and XXXX, but we all caught up on XX/XX/XXXX, but we were still reported late in XXXX. They also refused to acknowledge that when we called them. I hope you will be able to restore justice. 
We are attaching our letters from SPS so you can see the process. 
Thank you XXXX XXXX
Consumer complaint received 2021-03-25
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (VT)

We were approved for pandemic related forbearance on our mortgage in Spring XXXX. In XXXX of XXXX we extended our forbearance through XXXX of XXXX. In XXXX we decided to pay the balance that accrued during forbearance and became current on our loan with no past due amount. 
While still in forbearance, we paid the approximately {$15000.00} outstanding amount and then requested that the forbearance be removed from our account. Despite all of these measures Citizens reported us delinquent and XXXX past due amounts now show on record with all 3 credit agencies. 
Citizens has provided us with a poorly worded letter acknowledging their mistake but with vague and incomplete timelines that risk further confusion and delayed resolution. And, the burden is on us to correct via dispute with each of the agencies. 
Citizens made this mistake. Citizens should directly reach the credit agencies to fix it and definitively tell them that we were never delinquent on our account. 
My credit score dropped from XXXX because of their error. As a small business owner during a pandemic this risks the financial security of my family and my employees. I am requesting that Citizens do everything possible to fix this mistake as fast as possible.
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (OH)

US Bank, Ohio. 
Received 1099-INT Saturday for {$500.00} on XX/XX/XXXX. 
After researching my checking account for all of XXXX, the only item this could be referring to is for : XX/XX/XXXX shows + {$500.00} credit " Adjusted Interest ''. 
This should have been " XXXX payment received '' as I sent money to myself from other banks to pay my own USBank credit card. 
USBANK did not give me a free {$500.00} - this is an error.

In fact, I do not have any interest bearing accounts at all with USBANK ; I have 1 credit card and a non-interest bearing checking account. 
I did the numbers - I'd have had to have {>= $1,000,000} at .05 interest for a year to earn {$500.00} interest.

( I don't have nor have I ever had that kind of money ). 

Called Saturday XX/XX/XXXX XXXXXXXX XXXX to USBANK - spoke for 45 min, was told I'd get a call back later Saturday. No calls Saturday or Sunday. 

Called USBANK again XXXX on Monday XX/XX/XXXX XXXX XXXX  Spoke to XXXX- she submitted a form to get an interest amount corrected. 
XXXX called back 2-3 days later and told me to call back in for a 3rd time in XXXX ; nothing could be done until after XX/XX/XXXX and all the 1099s have gone out. 
Pretty silly they can not fix a simple error after 2 long phone calls.

XXXX
Consumer complaint received 2023-02-01
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. (LA)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (NC)

After building my business credit, I was invited to apply to a AMERICAN EXPRESS CREDIT CARD. After being denied, i then learned that there was a fraudulent outstanding debt that I have no relation to. I, XXXX XXXX XXXX XXXX, then contacted CEO XXXX XXXX, of AMERICAN EXPRESS regarding this matter, where my inquiry was fowarded to the fraud resolution team. After disputing this information, the fraud resolution team advised me that this information would not be deleted because there were payments made on the account. UNDER section 609a of the FAIR CREDIT REPORTING ACT, INFORMATION REPORTING TO A CONSUMERS CREDIT REPORT MUST BE VALIDATED, BY PROVIDING ORIGINAL WET SIGNATURE SIGNED CONTRACT, WHICH AMERICAN EXPRESS HAS NOT PROVIDIED, STATING THAT I OWE, OR AGREED TO ANY BINDING CONTRACT WITH XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, HAVE NEVER OWNED THE FOLLOWING ACCOUNT : AMERICAN EXPRESSXXXX XXXX XXXX ACOUNT ENDING XXXX XXXX UNDER SECTION 605B OF THE FCRA, FRAUDULENT INFORMATION MUST BE PERMANTENTLY DELETED WITHIN 4 BUSINESS DAYS OF RECEIPT OF THIS INFORMATION, AND ALL UPTATED MUST BE SENT TO THE REQUIRED FURNISHERS OF THIS INFORMATION. I HAVE BEEN DISCRIMATED AGAINST BECAUSE OF FALSE DEBT. I HAVE CONTACTED MY ATTORNEYR REGARDING THIS MATTER AND IF THIS INFORMATION IS NOT DELETED IMMEDIATELY, THIS MAY RESULT IN A LAWSUIT FILED AGAINST ALL PARTIES INVOLVED IN THIS MATTER, INCLUDING EACH AGENCY REPORTING FRAUDULENT INFORMATION TO MY CREDIT REPORT.
Consumer complaint received 2023-05-03
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. (IN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  HAS VIOLATED MY RIGHTS.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-07
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. (NY)

My credit report is showing late payments to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The issue is with XXXXXXXX XXXX XXXXXXXX reporting me in error XXXX days late. When in fact I made all the payments they requested. 

During the XXXX XXXX pandemic I chose to put my mortgage in forbearance since non of knew what the future would be. It was my understanding that the mortgage would be put on hold and when things were back to normal, they would put the loan obligations on the back end of the mortgage afterwards I would resume regular payments. Or find some other arrangement. 

I called XXXX XXXX, They where not very helpful or did not know what to do. I was told to go on line and fill out a form to get out of forbearance in order to renew my mortgage.I tried to explain to them that all I wanted was to put the missed forbearance payments at the end of my mortgage and start making my regular payment., I was told a gain to go online which I did. 
They then told me me to make payments of {$1000.00}, which i did. It is a little less than my usual payment of {$1200.00}. It is a couple XXXX less than my normal payment which I offered to pay. I nor the XXXX person seemed to understand. I thought it my have something to do with my escrow account ( taxes an insurance ) Thats fine and dandy, I make ALL of the payment on time every time as I have for 30 years without missing a mortgage payment. 

I have a copy of my check registry to show I faithfully made the payments. ON TIME! 

This issue is really messing up my life. My credit score dropped substantially preventing me from getting favorable rates on a HELOC or restructuring my credit cards, as the balance has increased due to poor cash flow from XXXX XXXX. 

I just dont see where I went wrong. I followed their instructions to a XXXX XXXX thought we could put our mortgages in forbearance without penalties or consequences. Doesnt the CARES act protect me from not suffering harm to my credit rating during the period that I received the accommodation?? 

I did as I was told and and made the payments for a lesser amount for 3 months, even though I had No problem making my payment for the original amount. 

I have copies of the debit transactions showing I made ALL payments on time.
Consumer complaint received 2021-03-25
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have had a on going problems with my account with kohls department store. My issues are that I am still not able to log into my account online, it shows a totally different account number, balance and late charges that are not related to my account that is tied to my card. The online account had my name, email, overdue amount, zero statements and I can't change anything on this account online, but I call my card and it reflects a total difference amount, its current, and the number reflects my card on the phone verification. So I have gotten letters from kohls, and it has not gotten resolved, I asked for them to fix it, I asked them to call me and ask questions to see why this is going on, I've called into customer service and they don't help, I email kohls and they don't respond back, so I don't know why or what to do next. I asked for help, and they don't help, or even respond back to my issues that are in my complaint. It's just here is the account, and we don't see anything wrong. But it showes it does, and to me that is sad they don't look at it to see why it's wrong and it clearly shows this huge difference and they say nothing is wrong and if I need help just to reach out and they will help. So I did and nothing happened. So I'm here again to see if I can get help with my issues.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-06
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)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX
Consumer complaint received 2021-03-25
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. (MN)

On XX/XX/21 I purchased a used car from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MN, XXXX. Their phone number is XXXX. I wrote a check for payment-in-full for the vehicle, and was told the only way they could accept a check was if they ran a credit report, and that the credit report had to be over 700. They could have called the bank for confirmation of funds or asked for a cashiers check but the did not. I don't know why they had to run a credit report when I wasn't taking out a loan, but the said they did. I ended up with a 55 point drop in my credit score for a credit inquiry that didn't need to be run!
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-08-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/23 I had a charge on Chase bank statements for {$160.00} that was not authorized by me. I called my bank to dispute the charge and file for fraud and they temporarily put {$160.00} back on my account. Chase sent me a letter on XX/XX/23 to inform me that my claim was denied and they are removing the money from my account. In their letter they stated to contact them if I would like to request the information used for their research. I called again and was given no information as to why they denied it. The representative said that I can mail them additional proof for this charge. The charge said it was from " XXXX XXXX XXXX CA XXXX. The only company I had found was a shop on XXXX. I don't have an XXXX account and have never made a purchase on there. I also include my transactions from my XXXX account to confirm that I had never made a purchase with those dates, amounts, or company. Weeks went by and I never received a call, email, or letter with any information so I called again only to be told that my claim was still denied and they can not put the money back on my account. This should be illegal. Each time I called every representative gave me contradicting information with no solution. They would not give me any information on the company that took my money and I was not able to find a phone number or address online so I still have not been able to contact " XXXX '' to resolve this issue. This would be my last hope in getting my money back.