davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I, XXXX XXXX, ( a natural person ) was issued a false debt. 

I do not owe such debt and this is a clear violation of my rights under Title 15 US Code Chapter 41 Commerce and Trade ( Subchapter 5 ) Fair Debt Collections Practices Act. 

I called XXXX XXXX XXXX in XXXX requesting that I be provided with validation to substantiate XXXX XXXX XXXX claim of an alleged debt. I spoke with them several times requesting an original contract with my wet ink signature providing documentary evidence that a legal contract exists between myself and this privately held entity named XXXX XXXX XXXX. I left over 7 messages for a manager with the company and received no responses. I have no contractual obligation to this company or this false claim. Again, this is a violation of my rights under Title 15 US Code Chapter 41 Commerce and Trade ( Subchapter 5 ) Fair Debt Collections Practices Act. 

I have spoken with Transunion on multiple occasions regarding the false debt. I informed them of all of the facts and affirmed that XXXX XXXX XXXX is committing fraud against me. Transunion continues to willfully keep the false debt listed on my credit report. Transunion is unable to validate the debt even though I have requested to be provided with an original contract with my wet ink signature providing documentary evidence that a legal contract exists between myself and this privately held entity named XXXX XXXX XXXX. Again, this is a violation of my rights under Title 15 US Code Chapter 41 Commerce and Trade ( Subchapter 5 ) Fair Debt Collections Practices Act. 

This is affecting my life I am undergoing extreme stress and emotional damage due to this nightmare. It is affecting my personal and professional life. I am unable to operate in the financial system properly with this false debt on my consumer report. I deserve justice for the trouble and harm this company is causing me by being complicit in violating my federal rights. 

Transunion continues to claim they need authorization from me to continue with an investigation. I am authorizing Transunion to address this matter for the sole purpose of removal of the alleged debt listed on my consumer report. I authorize and direct any consumer reporting agency to furnish a copy of my consumer report to the CFPB for the purpose of responding to and investigating my consumer complaint.
Consumer complaint received 2021-06-30
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. (MS)

In XXXX and XXXX of 2021, I filed a dispute with XXXX and TransUnion credit bureau about the unverified accounts XXXX XXXX XXXX Account number XXXX and XXXX XXXX account number XXXX. I have asked numerous times for a response and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved for FCRA non-compliance and because I have not received a response from this company about these 2 unverified accounts as of today Which is a violation of the Fair Credit Reporting Act. These collection agencies are supposed to notify me of their investigation results within 30 days.. Thank you
Consumer complaint received 2023-09-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc. (TX)

On the night of XXXX XXXX I was scrolling on XXXX and I saw these two girls I went to school with names XXXX XXXX and XXXX XXXX were posting on their XXXX  stories how they invested XXXX $ and received back {$5000.00} through an investor on XXXX named XXXX XXXX. In addition, I messaged XXXX XXXX because, I know her personally and I thought I could trust her in addition, XXXX XXXX claimed how she invested XXXX $ and received back {$5000.00}. As skeptical as I was I asked XXXX if it worked and if it was not scam and XXXX claimed that it was 100 % legit and so I messaged the XXXX  account XXXX XXXX and I asked her how the process worked and XXXX stated that I would just send her XXXX $ and receive XXXX XXXX So I sent XXXX XXXX $ through XXXX XXXX and XXXX stated I now owed the IRS XXXX $ for the processing of the XXXX XXXX So I asked XXXX if I could back out of this process because I felt that it was a scam and It felt wrong, so I asked XXXX if I could have a refund of the XXXX $ in addition, XXXX stated that I couldnt receive a refund due to the fact that she and her manager had already processed the XXXX XXXX So I sent XXXX the XXXX $ through XXXX XXXX and then she was demanding XXXX $ from me because, Cash app charges XXXX $ for insurance fees to send the XXXX $ in addition, XXXX also asked me to add her email address onto my XXXX  account and I told her No, that It was a scam and thats how hackers, hack into accounts. So I messaged XXXX XXXX and asked her if she did this whole process and added the email address to her Instagram account and XXXX XXXX stated that this is part of the whole process to receive the XXXX $ in addition, XXXX XXXX sent me a screenshot of her cash app of how she received payment from XXXX XXXX. In addition, I blocked XXXX XXXX and Her Manager because, I had enough and XXXX manager would not stop calling me after I blocked him and I messaged XXXX XXXX stating that I will press charges against XXXX and her manager if they contact me one more time and XXXX XXXX stated why would I do such a thing and that XXXX and her manager will press charges against me and that I will get into so much trouble due to the money I owe them. I believe what they are doing is wrong it is fraudulent activity and scamming people and what I find it weird is how XXXX XXXX a girl that I know personally and went to school with did not get scammed and yet I did. In addition, XXXX XXXX found out first that I blocked XXXX XXXX and stated that XXXX would not stop messaging her after I blocked XXXX.
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX is trying to collect debt for XXXX XXXX for a timeshare that I no longer own as of XXXX. That I do not have title to, timeshare not used and included in XXXX discharged chapter XXXX bankruptcy. 
I could not owe fees for XXXX and XXXX and any future years because it was included in bankruptcy and relinquished. Please assist what they are doing is breaking the law and billing me after my bankruptcy. I no longer own timeshare at XXXX XXXX, inquire with them if you don't believe me. Please assist and remove.
Consumer complaint received 2022-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Comerica (IL)

I called today after finally receiving a late replacement card to find I was charged XXXX for a card replacement fee I was never told I was being charged. The agent calling was nasty and rude as XXXX yelling at me and telling me what someone else allegedly told me in a conversation she was not privy to. I was told by direct express corporate office XXXX they were waiving the XXXXXXXX XXXX fee now they went back and charged me again.
Consumer complaint received 2021-09-29
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. (NJ)

XXXX XXXX  XXXX, XXXX XXXX Sent a dispute out on XXXX XXXX on the The following Account was charged off as of ( XXXX ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statue of limitations. 

Ive also noticed on the account there were errors in the ( BALANCE ) & ( DATE OF LAST ACTIVITY ) section. XXXX is reporting a balance of {$290.00} with a date of last activity as XX/XX/XXXX, Experian is reporting a balance of {$0.00} with a date of last activity as XX/XX/XXXX and XXXX is reporting a balance of {$490.00} with a date of last activity as XX/XX/XXXX now all three of these balances and date of last activity cant be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? It was there duty to ensure that all information reported is consistent and most importantly accurate and they have failed to do so. So i asked that if they could Please DELETE this erroneous item immediately they reported that it was updated but nothing was changed. 

All in all theres plenty of discrepancies on this one account alone XXXX is reporting the high balance as {$490.00} Experian is reporting the high balance at {$0.00} and XXXX is reporting it as {$290.00}. Second is the XXXX XXXX XXXX is reporting it as XX/XX/XXXX Experian is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Third error is that XXXX is reporting the closed date as XX/XX/XXXX but experian and XXXX has no closed date which makes no sense at all if the account status is reporting as a closed/Charge off then whats the closed date? Fourth error is the last payment transunion is reporting it as XX/XX/XXXX, Experian is reporting it as the same XX/XX/XXXX but XXXX is reporting it as XX/XX/XXXX. The Fifth error is the late payment thats being reported Experian is reporting that there was no late payment in XXXX but XXXX is reporting it as 30 days late and in XXXX Experian is reporting 30 days late but XXXX is reporting 60 days and XX/XX/XXXX Experian is reporting 60 days when XXXX is reporting 90 days but Experian is reporting 90 days late in fed XXXX. There is so many errors on this one account alone that i distorted and came back verified and updated which you can obviously see was not so there for i believe that they should remove the account from my credit file theyve been reporting wrong information on this account for years
Consumer complaint received 2020-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2021-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

This is my second time complaining. Shellpoint is completely incompetent. See below a chain of events : 1 ) Even though we paid flood insurance in full and provided them with declaration pages, they put insurance on the house and required an escrow 2 ) Even when they provided flood insurance information, they still did not remove the escrow. This is still a point of contention. They tell me they are collecting the escrow for next year 's premium 3 ) We paid our property taxes in full to XXXX County. It turns out they paid it as well 4 ) Now that they discovered the double-pay, they have materially increased our escrow I have called them numerous times, and they will not address this issue. We pay for everything in full and directly, and instead of removing the flood insurance escrow, they now slapped on a property insurance escrow. 

This is absurd. I have never complained to CFPB before, and now I am complaining twice on the same issue. Can you please help me? The first inquiry actually yielded negative results, since they INCREASED my escrow after I complained.
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 — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

Every 30 days I have disputing the same inaccurate information from the credit bureaus and they aren't doing anything to remove these inaccuracies. The are reporting the following fraudulent information and it has hurt and damaged my credit scores : XXXX - Dispute Letter Sent XX/XX/2022 Address Is Not mines - XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX  XXXX Charge Off {$3800.00} - I never authorized or signed for this account ( fraud ) I also sent a copy of a police report to them via identity theft XXXX - Dispute Letter Sent XX/XX/2022 XXXX XXXX XXXX - {$420.00} - I never authorized or signed for this account ( fraud ) I also sent a copy of a police report to them via identity theft Experian - Dispute Letter Sent XX/XX/2022 XXXX  XXXX Charge Off {$3800.00} - I never authorized or signed for this account ( fraud ) I also sent a copy of a police report to them via identity theft XXXX XXXX Auto Charge Off - This was included in a bankruptcy and was paid in full
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-01-14
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: PNC Bank N.A. (IL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2019, PNC XXXX  XXXX  add a hard inquiry on my credit report per XXXX 
On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX 
On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-09-17
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: JPMORGAN CHASE & CO. (NJ)

Dear sir/ma'am I fell trap to an agent of a closed school ( XXXX XXXX  XXXX ) and paid XXXX dollars in tuition to the school for an XXXX program. XXXX XXXX XXXX is permanently banned from offering XXXX program but they still collect money from unsuspecting students by claiming they are under probation. I have tried everything since XX/XX/2022 to get Chase bank to refund my money in order to fund my XXXX training in an approved school to no avail. Their reason is that It has been a long time. 

It is certain that the effect of a school Close-Down is lack of Authorization to carry out the business of the nature that it's supposed to do. 
Does XXXX XXXX have the mandate to operate after closure? 
Let 's consider the merit of a certificate given by a school after its official closure. 
Please I bargained for a certificate from a viable institution not from a closed one. That's why I am requesting a refund from Chase bank. 
I worked 3 years in a group home earning minimum wage and saving in order to save for school and this is very discouraging. 
Thanks immensely. 

Attached is the response from chase credit services, my offer letter to the school of XXXX and XXXX  closure receipt. 
http : XXXX
Consumer complaint received 2022-11-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (MA)

I received an email that a TD Bank checking account and savings account were opened in my name. I don't have any accounts with TD and didn't recently open one. 10 minutes after receiving that email my XXXX inbox was flooded with hundreds of spam emails. It seemed like a tactic used to hide the TD Bank email.
Consumer complaint received 2023-02-24
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: Consumer Collection Management. Inc (MO)

XXXX XXXX.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : it states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Consumer complaint received 2021-06-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

We have a mortgage with Select Portfolio Servicing. During the COVID 19 crisis, we were offered a forbearance plan, which we accepted. We received a letter stating that the end to the forbearance period was nearing. At that time, XXXX of 2021, we submitted a request for assistance, as it was impossible for us to come up with the {$17000.00} that they were requesting. We received a response back that stated that they were " unable to offer us assistance '', that there were no " programs available ''. We are now trying to refinance with a different mortgage company, and are facing a roadblock, because the recent payment that we submitted was credited to a month that was during our COVID relief forbearance.I have ( as instructed by Select Portfolio Service ) applied again for Mortgage assistance. I was told that this is the only way that I will be able to have my payments recorded correctly, and that is IF we are offered an assistance plan this time. This has got to be the most unfair treatment by a mortgage company. They offer assistance because of a financial crisis, and then suddenly expect that you are able to come up with a huge amount of money at the end of the crisis, in order to keep your home.
Consumer complaint received 2021-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (WI)

I have literally sent this company a copy of my SSN, a copy of my ID, a police report, a fraud packet. In the mail and in an email. And they STILL have not removed this from my credit report. It has been MONTHS.
Consumer complaint received 2021-01-15
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: Experian Information Solutions Inc. (CA)

I have a Bankruptcy that is over 9 years old and it should have no financial bearing on me, but it is hindering me and my credit and I need it gone. I've been disputing since XXXX and still haven't had anything come from the bureaus! The first dispute was XX/XX/XXXX, then XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX.
Consumer complaint received 2022-10-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

A key Democrat wants credit reporting agencies XXXX, XXXX and TransUnion investigated for allegedly failing to respond to consumer complaints during the pandemic. 

XXXX XXXX XXXX, the chairman of the House Select Subcommittee on the Coronavirus Crisis, said the nations three largest nationwide consumer reporting agencies have longstanding problems with responding to consumers who raise complaints about credit reporting errors. ( XXXX, XXXX, XXXX ) Pursuant to 15 USC 1681i, these CONSUMER REPORTING AGENCIES were negligent and non compliant to several of my disputed attempts. I had to constantly try to enforce my consumer rights from the time span of XXXX XXXX until present day, which I am still in communication in good faith, although their negligence has caused me and my family severe hardship. The willful and knowing adverse actions taken against me constitutes harassment, defamation of character, as well as identity theft ( unauthorized use ) for reporting inaccurate reports that were never investigated nor did I ever give my written instructions for these inaccuracies to be reported to my credit file. 

Furthermore, these inaccuracies did not seize to be reported to my consumer file before the end of the thirty ( 30 ) day period beginning on the date on which the agency receives the notice of dispute from me the consumer.
Consumer complaint received 2021-05-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc. (GA)

This company continues to report incorrect information on my credit report. They are considered a junk debt service taking advantage of the system. It is against the law to report inaccurate information on credit reports. Junk debt collector and they do not have the right to report inaccurate information. There is no way that they verified this information because it does not exist. They have no record of my information in their system, yet it continues to be reported on my credit report.