davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Equifax says they reinvestigated items on my report. They provided no information from the investigation. The law states for verification all original signed documents, original contracts with the official signature of the consumer must be provided also the original creditor information must be provided. Saying items have been verified is not acceptable and not providing the information is also unacceptable. Equifax modified the amount, payment, and other historical information on my report in regards to the accounts in question. Equifax also claims other information has been provided from the original source. I have not been sent any information on the items used to verify accounts. I demand that said accounts be immediately deleted from my credit profile. This is the 3rd dispute and Equifax is stalling and not taking the appropriate action as deemed by law to protect the consumer
Consumer complaint received 2022-07-22
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. (NC)

I sent a letter on XX/XX/2022 to remove : ( ), which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX ; XXXX & I am including it again. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00}
Consumer complaint received 2022-06-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (NV)

I applied for mortgage loan with PHH mortgage company they approved for {$690000.00} loan. and after I singed a contract with a seller, pay an inspection fee for {$820.00}, deposited XXXX and after they locked me for 5.125 % interest rate for 30 years, they denied me a loan. I strongly believed the only reason they didn't want to give me the loan is, just they are discriminating me against, my XXXX  XXXX, my ethnicity. for this reason, I lost the house I was in the process to buy. 

and i have an email responding with the company 's employer who was assigned to my application processing and also, i have a voice message which it was a congratulation we are going forward to give you a loan.
Consumer complaint received 2024-09-23
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

-Cards bought XX/XX/XXXX -Attempted use and noted to be drained around XX/XX/XXXX -Contacted InComm XX/XX/XXXX case opened ( # XXXX ) -Signature requested and done XX/XX/XXXX and received email noting this that day -Received request from InComm for more information on XX/XX/XXXX -Filled out requested information and received notification of InComm having received what they needed XX/XX/XXXX and assurance that they would be contacting me for resolution and have heard nothing since.
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WA)

- I didnt get a 1099c - 15 usc 1681 ( a ) ( 2 ) I didnt give them written permission to have this charge off furnished on my report.

-A charge off is income. Income is forbidden to be on a consumer credit report according to congressu 15 usc 6802 and 15 usc 6803 When they didnt give me the documentation Opt out of being reported to a third-party affiliated Prior to them reporting it via 15 usc 6802
Consumer complaint received 2021-01-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Finance Company, LLC (GA)

my XX/XX/XXXX.payment was not received so they say .so i called they told me to send my bank statement so i fax it and still they is giving me the run around this is being going on for about 3 weeks they have the bank paper i fax the statement XXXX XXXX XXXX payede by phone XXXX dollars withdrew from my account on XXXX.got ready to pay for XXXX thats when i learned about itive called about 20 times talked to 20 difference peoples keep saying the same crazy stuff i dont understand what the problem is because they have the bank statementplus i want to sue them for stress this has took a tole on me i pay a XXXX dollars on this account every month never missed or late plus my credit when down about 40 point they said because of XXXX credit card
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (SC)

I am writing to dispute the first progress account starting in XXXX late payments of XXXX XXXX and XX/XX/year> on my credit report. These late payments violate FCRA section 1681a, which prohibits the reporting of transactions. I learned the law. Reporting transactions is illegal. I do not want to sue but I enforce the credit bureau to correct my report.
Consumer complaint received 2021-01-23
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. (TN)

I submitted a letter on XX/XX/XXXX regarding unknown and inaccurate information on my credit report. As of this date ( XX/XX/XXXX ), which is more than 60 days later, I still have not received any response. I am under the impression my disputes, my claims, as well as myself are being disregarded and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the XXXX data breach whichmay have gotten into the hands of unauthorized individuals.
Consumer complaint received 2021-01-23
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. (TX)

I disputed some accounts on my credit report with Transunion. One was the XXXX XXXX account because the account is being reported as closed but is actually open. I have attached the billing statement to support the dispute. I also disputed the fact that the XXXX XXXX account is paid in full and closed and is being reported as open with a balance and it was updated with no change. Attached is the receipt to support my dispute that it was paid in full and closed. I have also disputed 3 XXXX accounts as well as the XXXX XXXX account, and it was still updated with no change. Attached it the FTC report to support the claim.
Consumer complaint received 2021-06-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc. (FL)

In XXXX of XXXX I purchased a XXXX  Platinum Extended warranty with my used car. My car was a XXXX XXXX XXXX XXXX with XXXX miles on it. The warranty was purchase at XXXX XXXX in XXXX, Maryland with a XXXX XXXX who advised me it would cover most everything. However the vehicle was repeatedly denied warranty work by XXXX when I tried to use it. I complained to oversite agencies and to the phone team. The phone team became incredibly hostile and tribal during the process. The XXXX ladies screamed at me when I asked for a supervisor and put me on endless holds. Many cases with XXXX and the dealer shops were opened. They sabotaged the billing and cancelled the plan after yelling XXXX  XXXX  type stuff at me. They even asked if I voted for XXXX. This is retaliatory and illegal. Please provide me the reason it was cancelled. Please provide me an entire billing history. Please refund all amounts paid into this account. This level of XXXX tribalism and financial scheming has no place in america. I saved the recorded calls for court. Please provide the amounts I paid in and the address to subpoena stuff. If the warranty isnt immediately refunded or retroactivated with no lapse I will sue.
Consumer complaint received 2021-01-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I have a mortgage with Citizens Bank. Due to Covid 19, I entered into a forbearance plan. On XX/XX/2020 I phoned the bank and requested to be out of forbearance, agreeing to a balloon payment at the end of mortgage.. On XX/XX/2020 they told me it was accepted. Thats a 2 month delay! I have been regularly making my monthly payments. Although they said they sent me a letter about the plan ending, I never received anything by mail or email. I have called them NUMEROUS times requesting the letter because I am refinancing my mortgage and I need proof of being out of forbearance. The phone calls have been to no avail. The representatives are all in XXXX on internet phones and I can not understand them due to poor connection and language. I have repeatedly asked to speak with a supervisor in the USA. On three occasions I was promised a callback that never came. I need this to be resolved ASAP so I can settle my refinance. I am beyond angry and frustrated.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent information and accounts which do not belong to me STILL reposting on my file in Experian. The other bureaus have already DELETED these fraudulent information so my question is why do you still report these damaging records? I have already disputed these items several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website and the Police Report I filed on my local Police Department along with my personal information and documents but still you chose to continue reporting these items. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting these information on my Credit File without Proper Verification nor Investigation. Now, I want you to REMOVE these items from my file like the other bureaus have already done. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9100.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}
Consumer complaint received 2022-11-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO. (NJ)

I have a problem with Chase Bank. I have a XXXX checking account that is setup for paperless statements. At some point, a new minimum balance service charge was instituted. It started deducting {$15.00} from my account every month. This was started while I wasn't using the account. At no point did I get an email explicitly stating that a change was made and my account would now incur this service charge. When I looked at my balance in XXXX XXXX, I finally noticed that {$15.00} was being deducted every month since XX/XX/XXXX. I called Chase and they credited back 3 months worth. I walked into the local branch and after spending XXXX minutes with the staff, I finally met with the Branch manager who gave me a " concession '' for {$30.00} which would count as income on my account. They were not willing to fully reimburse all my monthly fees. The real complaint I have is that the manager told me a paper notice must have been sent about this change and agreed that there wasn't an electronic communication. If I am on paperless statements, I should have received an email from Chase explaining this change. The monthly emails are very generic stating that I have a statement issued. Then you have to log in and go into the account to see the transactions. If you know you have not been touching your account, it gives you less reason to go through those steps. Also, I learned from the manager that the alerts that I have setup for the account would not have triggered by the monthly service charge transaction.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MN)

Hello CFPB, I've filed disputes via Experian 's web portal regarding incorrect names, incorrect addresses, incorrect employers, Experian pulling my report without my consent 2 to 3 times each month which caused my FICO Score to drop XXXX points, and the email I received states they can not review/correct my information without me sending them copies of my passport, my state issued ID and copies of my utility billings and or insurance billings. What does their request have to do with Experian pulling my credit report 2 to 3 times each month so that my credit score continually drops with each of their pulls? ( XXXX point drop in XX/XX/XXXX ) I've already provided Experian with my Social Security Number, my address for the past 6 years, my Date of Birth and my Full Legal Name. Not all of my requests for Experian to correct the incorrect data in my file, have been completed nor have they reinstated my FICO Score. I also want my FICO Score back to XXXX as of XX/XX/XXXX, which is where it was prior to ALL of Experian 's inquiries on me - Experian should not be allowed to go into my credit file and drop my score, XXXX to XXXX times a month. And I shouldn't have to purchase their XXXX product to stop these inquiries by Experian. I'm not delinquent with my creditor ( XXXX ) nor have I ever been late making a payment, nor have I paid interest to a creditor since prior to XXXX with the exception of my mortgage. My debt is only 3 %. So again, please put my FICO Score back into the XXXX 's- which is where I was prior to Experian 's constant inquiries. Thank you, XXXX
Consumer complaint received 2021-01-23
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. (MA)

XXXX consumers continues to improperly report past due payment dates to my credit bureau. I have bank records that have the correct information attached. 

Also all past due balances were paid XX/XX/XXXX. On XX/XX/XXXX XXXX again reported false information stating that again, the balance was more then 30 days late. 

My due date for payment is the XXXX of each month. The XXXX is 5 days before the due date. 

After several attempts of talking with XXXX, my complaints have not been resolved since XXXX of XXXX. 

I am seeking to have the information removed from my reports. And if not done so in a timely manner according to Massachusettss Law, I will file a complaint with the Massachusetts AG office and seek punitive damages.
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have attached my SS Card and DL for proof of ID. I HAVE A UNRECOGNIZED THAT INQUIRES HAVE REQUESTED REMOVED DUE TO FRAUD RELATED ISSUES IN THE PASSED I RECENTLY HAD A FREEZE NOT TO LONG ALONG SO NOT SURE HOW I GOT A INQUIRE FROM XXXX  XXXX XXXX  XXXX ON XXXX. PLEASE DELETE THIS INQUIRES. I HAVE NEVER HAD A XXXX  XXXX ACCOUNT
Consumer complaint received 2022-07-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: South Mississippi Collection Services Inc. (MS)

This medical collection is a result of fraud and identity theft. I have never been a patient of XXXXXXXX XXXX XXXX XXXX XXXX XXXX I have reached out to XXXX XXXX XXXX XXXX XXXX XXXX and South Mississippi Collection Services several times via XXXX Mail and via telephone. Upon speaking with South Mississippi Collection Services I was instructed to contact the original creditor, XXXX XXXX XXXX XXXX XXXX XXXX, and spoke to a manager by the name of XXXX XXXX, upon speaking to XXXX XXXX and explaining to her that this collection was a result of fraud and identity theft, and providing a copy of my FTC identity theft report she provided this information to South Mississippi Collection services, and they promptly removed the collection, a few months later the collection was reinserted on my credit file. I reached out to XXXXXXXX XXXX XXXX XXXX XXXX XXXX  again to rectify the situation a second time and was told that the collection was " verified '' even though it was not. I asked for proof of said verification and nothing was provided. Despite the fact that I provided a FTC identity theft report and affidavit of truth. Also XXXX has failed to block/delete this collection from my consumer credit report within four business days of receiving the FTC identity theft report. XXXX has also failed to show proof that this medical collection is verified/legitimate.
Consumer complaint received 2022-09-26
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2023-03-14
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. (MD)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CT)

I closed my account with XXXX XXXX in XX/XX/2020. At the time I closed my account, all amounts due were paid. This was required since the phone number was transferred to my wife who also has an account with XXXX XXXX. 

I was never informed of any outstanding bills. Not by text messaging. Not by notice of any kind- email or snail mail. 

I checked my credit recently and saw that there was a delinquent report by XXXX in XXXX, XXXX and XX/XX/2020. I tried to call XXXX to find out what the debt was for but they just referred me to IC Systems- a debt collection agency. The XXXX representative said that she could not tell me anything else about the alleged debt and that I would have to talk to IC Systems. I sent IC Systems a letter asking as to proof of the alleged debt and have yet to hear back from them. 

I believe this to be a false debt.