davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (PA)

Experian is one XXXX  of a company! I have been receiving these emails from them for over a year. The emails are alerts stating that my credit score has either increased or decreased, among other things. Within these emails ( that I NEVER requested ) is no option to unsubscribe from from receiving said emails. 
Within the emails is a Membership ID # that apparently means absolutely NOTHING. I've tried going to the Experian website and logging in, but since I NEVER made an account with them, there is no way for me to log in. I slect the " forgot password option, then I put in the email address to which they keep sending me marketing alerts regarding " my account ''. Upon submitting that email address, Experian tells me " We were unable to find any accounts that matched the username you provided. If you don't know your username, click on " Forgot Username '' below. '' So apparently Experian is sending me alerts about an account that I do NOT even have, NEVER signed up for, and can not unsubscribe from. 
And here is the icing on this XXXX cake ... I have called Experian via the phone number provided on their website. It is IMPOSSIBLE to get a human on the phone to resolve my issue. I am NOT giving them my social security number when I do not even want to have an account with them. So I am stuck in a circular argument, with no beginning and no end. To illustrate my point, I advise the CFPB reader of this complaint to try calling the Experian Support Phone Number ( XXXX ) XXXX ..I promise, you will not get a human on the line and instead will have the call disconnected without accomplishing ANYTHING, at all.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Advanced Resolution Services Inc. (WI)

I have been battling with ARS and XXXX since XXXX regarding their refusal to 'freeze " the consumer report they each have on me, which per the FCRA I am entitled to do. I have also been battling with them regarding a Bankruptcy they each have listed within the consumer profile they have on me. 
XXXX and ARS both claim they can not and will not freeze my consumer information. Furthermore, I believe they have committed fraud to violate the FCRA and violate my consumer rights. 
When first addressing the Bankruptcy they have listed, they first claimed the information came from XXXX and XXXX XXXX. Upon notifying them that XXXX XXXX did not have a bankruptcy listed they then claimed the furnisher was XXXX. XXXX maintains the information/furnisher is XXXX. 
When pressed further, each company claimed that the information came from the other. With each piece of evidence I sent to them, proving that their verification and supposed furnisher was false, I would get a different excuse which violates the FCRA to delete if the item disputed can not be properly verified. 
Most recently both ARS and XXXX both claim that now the information and/or furnisher of said bankruptcy came from the Courthouse and/XXXX. I proved this was not true by contacting the Courthouse and XXXX. I have letters and email from each entity claiming they do not report to third party reporting agencies nor do they report to credit bureaus. Furthermore neither XXXX or the Courthouse confirm a Bankruptcy. I also have an email from XXXX stating they do not list anyone 's full social security number. 
However XXXX and ARS both maintain the Courthouse and XXXX as the verification and furnisher. This is after all of the previous different entities they falsely claimed were the furnisher. ARS further violated my consumer rights by sending me a supposed voluntary petition that they fished from the XXXX XXXX which is not a legal form if verification since I have the email from XXXX stating full social security numbers are not listed in their system. Furthermore, fishing of information that can not be verified violates the FCRA and my consumer rights. A Bankruptcy can not be verified when neither the courthouse or pacer report to agencies, do not confirm information and do not list full social security numbers. 
XXXX has lost several lawsuits recently for these practices I've mentioned. ARS and XXXX must comply and follow the law, yet they are not doing so. If XXXX is working with them or paying them then they should be held liable as well.
Consumer complaint received 2024-11-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION (CA)

I am paying the hazard insurance separate from the mortgage and it was not supposed to be included with the mortgage as it show the following statement from XXXX  a progressive company. but they pay {$1000.00} to insurance company from escrow don't even know why, when i ask them why the said it was a missed payment, the customer rep do not understand what am talking about XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX See reverse for other important information. 
Billing Summary ( reflects activity this billing period ) NEW POLICY PREMIUM XXXX {$1000.00} INSTALLMENT FEE XXXX {$3.00} PAYMENTS RECEIVED XXXX - {$260.00} NEW BALANCE XXXX {$790.00} Minimum Amount Due : {$91.00} Bill Schedule ( based on current payment plan ) * Statement Date : XX/XX/year> Due Date Amount Due Due Date Amount Due XXXX {$91.00} XXXX {$91.00} XXXX {$91.00} XXXX {$91.00} XXXX {$91.00} XXXX {$91.00} XXXX {$91.00} XXXX {$91.00} XXXX {$91.00} *Amount Due includes a {$5.00} fee for each installment. You this is what they did XX/XX/year> XX/XX/year> XXXX Hazard Policy Paid _________ {$1000.00} XX/XX/year> XX/XX/year> Principal Payment + {$100.00} XX/XX/year> Payment + {$1400.00} XX/XX/year> XX/XX/year> XXXX Hazard Policy Paid {$64.00} XX/XX/year> XX/XX/year> Interest on Escrow + {$2.00} XX/XX/year> XX/XX/year> Payment + {$1400.00} XX/XX/year> XX/XX/year> Escrow To Mortgagor {$630.00}
Consumer complaint received 2022-06-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CT)

My mother passed away on XX/XX/2020. The mortgage company Select Portfolio Servicing ( SPS ) and their legal counsel has violated the CFPB ruling that when a borrower dies the mortgage lender must work with the surviving family members. 

We have made several attempts to work with SPS to have the mortgage changed to the family. In XXXX of XXXX  I sent the copy of the death certificate. It took almost several months for SPS to confirm the death certificate was received. In the mean time SPS started foreclosure proceedings. I sent a copy of the death certificate to the attorney who represents SPS. After several emails and phones she understood the family wanted to keep my mother 's house. Nonetheless, SPS nor the attorney would give the family the legal opportunity to have to mortgage put in the name of the heirs. 

It will be two years this coming XXXX since the death of my mother. As of today the house has gone into foreclosure, and has been sold. I would like to file a complaint and get information about what legal actions for discrimination, violation of RESPA, and XXXX XXXX
Consumer complaint received 2022-06-13
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2021-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX, I met with a personal banker at Bank of America branch location XXXX XXXX, XXXX XXXX, FL to close my checking, savings, and credit card accounts. I paid XXXX dollars to close out my credit card. An annual recurring payment of XXXX dollars from XXXX was charged to the credit card I thought closed on XX/XX/XXXX. For 6 months, Bank of America failed to notify me that a late payment was outstanding. Bank of America failed to notify me the credit card was not closed due to this issue. Bank of America then failed to notify me the credit card was closed after the 6 months of 6 missed payments. 

In XXXX of XXXX, my wife and I purchased a new home. After performing a credit score check, I discovered there was an outstanding charge on the closed credit card bringing my credit score down to roughly XXXX. Bank of America has failed to disclose to me why I was not notified of this outstanding charge and has proven to be unhelpful in rectifying this error on their part. Due to their failure to notify me of an outstanding charge, I had to pay a total of XXXX dollars to settle the account. However, having recently purchased a new home, Bank of America 's failure to notify me of the outstanding charge will potentially result in future financial hardship on myself and my family such as a higher mortgage rate, car purchases, job potential, etc ... 

If Bank of America had notified me of the outstanding charge in a timely matter, The account would have been paid on time. The resulting negative impact on my credit score is putting my financial future in jeopardy.
Consumer complaint received 2022-12-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (WY)

I have been trying to get chime to close my account for over a month now. This started back at the end of XXXX first part of XXXX. I have sent all documents that they have asked for. My united states passport, my phone bill with my number on it, my proof of address, my social security card and even my picture, several times. I can not get them to close my account which has about XXXX dollars in it. I'm hoping you can help because the better business bureau hasn't been able to. They are the ones that told me I should file a complaint with you. It is not this hard with any bank I have ever dealt with. I know chime has had a ton of complaints against them. Please help.
Consumer complaint received 2021-06-24
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: Experian Information Solutions Inc. (MN)

I went to XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX to see about purchasing a vehicle. The representatives informed me that he was going to do a soft pull of my credit. However, they did a hard pull that resulted into inquiries I do not recognize or authorized. This is having a severe negative impact on my credit. I never gave anyone permission to do a hard pull. Only inquiry I authorized and have knowledge of is XXXX XXXX.
Consumer complaint received 2022-11-19
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. (KS)

My identity was stolen and there were Three XXXX XXXX inquiries and one XXXX XXXX inquiry. I do not know if accounts were opened. I contacted all parties involved and have been told the fraudulent inquiries would be removed and as of this complaint filing the inquiries remain. Identity theft notice and police report enclosed with complaint
Consumer complaint received 2021-06-24
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. (AL)

Laws you violated. 

Upon checking my Account again the items listed below have not been handled correctly per Law. 

Violation 1.

15 U.S.C 1681 ( c ) ( 5 ) these are adverse items on my credit report and I demand that you remove them.

Violation 2.

15 U.S.C 1681 ( e ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy. I have through previous letters provided proof of the inaccuracy of the Date opened, payment status, last reported, and date last active, and date of last reported. You refuse to remove or correct the erroneous report.

Violation 3.

15 U.S.C 1681i After re-investigation and proof of inaccuracy you did not delete the items as per law. When an item is found to be inaccurate or incomplete or can not be verified you shall delete it.

Violation 4.

15 U.S.C 1681 ( B ) You are to provide contents in writing of the results of the reinvestigation, description of the procedure used to determine the accuracy etc. None of this was provided.

Violation 5.

15 U.S.C 1681l Violation 6.

15 U.S.C 1681n I never gave permissible purposes.

Violation 7.

Negligence to comply with the laws of inaccurate items.

Violation 8.

15 U.S.C 1681q Obtaining my information under false pretense.

I have sent previous letters to you stating your wrongdoings. I demand you remove these accounts from my credit report immediately or I will file litigation and Lost damages.

According to my research 15 U.S.C 1681, I have a right to accuracy and fairness when it comes to my credit report and thus far this LAW has been violated. You refuse to remove this negative Item from my credit report and obey the law. Also, according to 15 U.S.C 1681 ( h ), this has been another violation of invasion of privacy because I never gave XXXX the authorization to report anything in the first place. Another violation is defamation to me and my family by reporting false information that is not being reported. This act is has damaged my reputation and is causing me to get denied from moving forward with my life. It is also, a violation of 15 U.S.C 1681, because of negligence for not doing a proper investigation. It has brought major emotional distress to me and my family.
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CT)

IRS is reporting that there are blocks on my credit accounts, that they can not verify my cell phone number, that I am deceased, though no agencies have reported this and I called to remove the extended locks on my XXXX  accounts. I am unable to file federal taxes or receive my stimulus payments. Furthermore, when updating my cell phone data with experian, hoping the irs would pick it up, I IMMEDIATELY began receiving XXXX spam text messages. This happened within minutes of the update, so experian is not selling the information, it should be considered a breach of their servers by spammers. Anyone receiving such spam texts who used the experian app in their cell phone should report to FBI cyber at ic3.gov. Anyone using experian boost should consider linked accounts as breached.
Consumer complaint received 2021-06-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

XXXX  jas customer service in XXXX that is not taught laws but how to lie so me the consumer thinks I am the crook or person comitting fraud. I have 1 hard inquirey I didnt make with XXXX XXXX. I didnt ask or allow XXXXXXXX XXXX use my credit report for fraud. Also XXXX XXXX has a couple accounts that arent mine on my report. All of these I told them to use FAIR CREDIT REPORTING ACT 604, 609,611 and 623 to investigate and give me decisions showing that they did proper and the legalway to investigare. They lie and just say they did investigation and want.
Consumer complaint received 2021-07-09
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have submitted extensive XXXX Medical Documentation and documentation of XXXX from the United States Office of Personnel Management, as I am a XXXX  XXXX employee from the XXXX XXXX  XXXX XXXX XXXX. These payments were on deferral during a 2 month period. However, XXXX  and the credit card company refuses to recognize the documentation.
Consumer complaint received 2021-07-29
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

My vehicle was impounded XX/XX/XXXX held as evidence for a year. I obtained my vehicle back from the impound damaged in XX/XX/XXXX. As of now I cant register my vehicle because the finance company took possession of the vehicle since XXXX without my knowledge. The DMV provided me with this information in XX/XX/XXXX. Since then Ive been reaching out to the finance company for them to provide me with a updated title along with a permission letter so I can register the vehicle. Ive had possession of the vehicle since it was released to me. I dont know why the finance company is stalling giving me the run arounds and Ive called 5 times regarding this matter and all I keep hearing is that the vehicle has been repossessed, then I tell them I have the vehicle. Then I hear its going to take 10-15 business days. Then I hear your just going to have to wait there isnt anything they can do. No help from the finance company NMAC ( NISSAN MOTOR ACCEPTANCE CORPORATION ) when it comes to this matter plus I wasnt notified at all by the company when they supposedly took back possession of the vehicle that I have in my possession.
Consumer complaint received 2021-07-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (TX)

I have been getting the run around with Cardinal Financial company and the title company that they use XXXX settlement services. one of the issues regarding closing on my refinance was, I was approved to close but no one would schedule the closing. I had to call numerous times to get an answer as to why it was not scheduled. everyone that reviewed my file could not understand why a date had not been set after 2 weeks of being approved. I was finally given a date to close on XX/XX/XXXX. I live in Texas and had to travel to another state to take care of my mother who is critically ill and was told I could close there only to find out I couldn't due to the laws of Texas so I was told. I had to make arrangements for my mother and purchase a airline ticket to close on XXXX XXXX. I was assured everything was finally in order and the close would definitely happen on the XXXX. I CALLED AGAIN RIGHT BEFORE HEADING TO AIRPORT TO MAKE SURE IT WAS STILL SET FOR THE XXXX. My XXXX was admitted to hospital and I had to catch my flight to make the closing. After I arrived in Texas I called to get the address of the title company because my closing was scheduled for XXXX XXXX XXXX it was XXXX XXXX  at this time. I received a call back from XXXX XXXX at Cardinal Financial that the title company did not have me on the schedule. It is XX/XX/XXXX and no one will speak with me. I was told that we could close on the Friday XX/XX/XXXX, however no one will speak with me and I am still not scheduled. There have been numerous problems with Cardinal Financial dropping the ball on my account and me having to constantly call to get answers. I still need to fly back to be with and care for my XXXX mother and have no answers. the title company claims they know nothing about it .Cardinal financial blames the title co for dropping the ball. I am thrown in the middle at their mercy and cant make arrangements to fly back as my mothers caregiver. I have not been treated fairly during this process and believe I am being discriminated against and given the run around.
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

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