davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-28
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. (OH)

Under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, and other Metro 2 Compliance requirements, parroting an e-Oscar system does not constitute a due diligent investigative effort. For instance, to no avail, I have made repeated requests to receive a description of the procedure used ( or documents used ) to determine the accuracy and completeness of adverse trade lines and collection items. This request obligates credit reporting agencies to provide consumers with the business name and address ( of any debt furnisher -- serviced in connection with collection information ) ; and, the telephone number of the debt furnisher. 

Still, if an account or trade line is modified ( with updated balance information ; i.e., validated ) or deleted, carbon copies are required to be sent to each credit reporting agency ( with whom the debt furnisher has a reporting relationship ). Again, because there is no evidence of Metro 2 Compliance ; i.e., viewable carbon copies, I request the above errant trade lines removed. Currently, as noted, this credit reporting agency is in violation of the letter and spirit of the following statute : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall provide to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if available. 

Finally, an itemized list of charges, fees and etc ... does not prove or offer evidence of a debt. Regarding the above-alleged trade lines and collections, to prove debt and consumer reporting agencies ' findings, I formally request evidence of my wet signatures.
Consumer complaint received 2022-08-23
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: EQUIFAX, INC. (TX)

Filed complaint and fraud dispute sent verification documents requesting for debt to be verifiable with original contacts as well as case lawing showing how my rights are being violated with this false reporting and affecting my everyday life. Account has not been verified it has been over 90 days, this is the third time I have sent this request with no response.
Consumer complaint received 2023-03-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc (MS)

On XX/XX/XXXX I transferred money from XXXX XXXX to chime It was successfully sent the next day it disappeared and they keep saying XXXX XXXX has the funds but they investigated and couldnt find them. So Ive been emailing a chime representative who said they located my funds and reached out to there bank partner I reached out again on XX/XX/XXXX to be told again the funds was sent back to XXXX XXXX and they have no proof a representative from there team sent me a email saying they found my funds. So now Im confused as of where XXXX vanished to. A XXXX rep also stated something about the wrong address XXXX XXXX XXXX XXXX was my old address
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately
Consumer complaint received 2021-06-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Continental Finance Company, LLC (FL)

My mother was contacted, my work was contacted and i was contacted from a company that claimed to be a place that served papers! They said they were serving me at work and my home or i could settle this debt today outside of court! They put me on hold several times to supposedly look up the information for the case! The number they gave was connected to a law office in ny and i live in florida! Then they told me about a old debt not even on my credit report anymore! I chose to settle so i could stay out of court but they did not send any paperwork or reciept as they claimed they would! I reported to my credit card company so i can dispute the charge! XXXX XXXXXXXX XXXX XXXXXXXX is the company but it shows up as only XXXX on the charge! I feel i was scammed and my family and myself were harrassed illegally! 
XXXX XXXX
Consumer complaint received 2022-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IL)

Comenity Bank 's website has been down for over a month over 30days. i have not received any communication from them informing me of anything. I have tried calling them and can not get anyone on the phone. i have waited over an hour on hold trying to make a payment. This is OUTRAGEOUS!!!! i dont know if they are reporting me late to credit bureau or what is going on????? please find out!
Consumer complaint received 2022-04-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC (UT)

I refinanced my loan in XX/XX/XXXX which moved my home loan from United Wholesale Mortgage ( UWM ) to XXXX XXXX The new lender paid the County tax for the year, under XXXX XXXX XXXX in the amount of {$1700.00}. XXXX XXXX confirms tax is paid in full for the property, and only one payment was received. 
However, UWM is claiming that they also paid the County tax, despite multiple confirmations from XXXX XXXX saying only 1 payment was received, and it came from XXXX. 
I initiated calls with UWM starting XX/XX/XXXX to resolve the issue and to receive payment from UWM, because as it stands, I have 'paid ' taxes twice in one year. 
UWM claims to have attempted several calls to XXXX XXXX and says they have left messages and even spoke with " XXXX. '' However, in my calls to discuss with XXXX XXXXXXXX tax dept, I learned that they don't have voicemail, nor an employee in the department named " XXXX. '' XXXX XXXXXXXX requested that UWM provide proof of payment ( check #, wiring info, etc. ) to support their claim of a payment sent and received by the County, but they have not provided this information. 
I have requested to speak to managers and asked for call backs, but they have not called me. UWM says the issue is under investigation with resolution date of XX/XX/XXXX, but I was also told several other dates of resolution that have since lapsed. 
UWM also shows they received a refund of this exact amount posted to their internal account/system on XX/XX/XXXX. This is likely the " bounced '' payment to the County, and I am getting the runaround from UWM saying somebody else has my money ( XXXX XXXXXXXX ), it's being investigated, or that they simply don't owe me anything. 

Summary of Calls : XXXX Reviewing details, call back on XX/XX/XXXX for update XX/XX/XXXX XXXX XXXX sending back a payment, takes 3-4 weeks to process XXXX Actually takes 3-4 weeks from now ( spoke to XXXX at XXXX XXXX XXXX  who doesn't exist ) XXXX Claimed that no refund for tax due, they were about to hang up. I asked why I haven't received my escrow, then they said it was coded incorrectly. Submitted an investigation, said it will be resolved within a week. 
XX/XX/XXXX Claims they are waiting to talk to XXXX XXXX XX/XX/XXXX ( called twice ) UWM says I'm not talking to the right XXXX XXXX tax dept, and a payment was definitely received. Called XXXX XXXX, they have no proof of payment from UWM or their affiliates ( XXXX ), regardless of which XXXX XXXX tax department it was sent to. 
XXXX Nothing they can do about the issue, other than wait until they complete investigation on XX/XX/XXXX XXXX Still no info from XXXX XXXX, they claim that XXXX XXXX isn't returning calls left on voicemail ( they don't have voicemail )
Consumer complaint received 2022-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

Flagstar Bank has erroneously billed me for {$370.00} since XX/XX/XXXX, when this bank acquired the loan from XXXX. The erroneous charges are allegedly for lack of proof of insurance. Flagstar Bank is aware that the charges are erroneously charged by XXXX and will not remove the charges from my account as of this day. Flagstar Bank knows the charges are erroneous because, in the files acquired by Flagstar Bank, proof of insurance was scanned into the XXXX system on XX/XX/XXXX, @ XXXX AM. and XX/XX/XXXX, @ XXXX AM. Flagstar Bank knowing that the fees are erroneous, informed me today via customer service call by representative XXXX from XXXX that Flagstar Bank can not remove the XXXX fees from my account.
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (VA)

Experian <XXXX> keeps emailing me and says that I can login into my account to check my credit score. I do not recall making an account at any point. I went to change my password to see if I could deactivate this falsely made account but the only way was to call or mail in. There were no options to speak to representative to deactivate this account and the auto prompt told me to mail them if I want to explain why I was contacting. If a company has an online account then there should be a way to deactivate the account through their website without jumping through a huge amount of hoops. As this company has already lost the sensitive data of millions of Americans I want nothing to do with them.
Consumer complaint received 2022-08-03
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. (FL)

Accordance with the Fair Credit Reporting Act XXXX  Account : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XXXX/XXXX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S, C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-02
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. (NC)

XXXX a dispute with XXXX Experian XXXX XXXX. For an account with XXXX loan # XXXX. Opened XX/XX/XXXX the payment history and loan balance are incorrect. It shows me that I missed my XXXX payment but I paid the account on time in the month of XXXX. I also contacted the company myself and they didnt update the information with the credit bureaus either. Plus the balance on this account is paid off now since XX/XX/XXXX.
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$360.00} XXXX XXXX  XXXX Balance : {$460.00} XXXX FIN XXXX Balance : {$5000.00}
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

I have sent documentation to have this address that is incorrect on my experian credit report removed along with accounts and a bankruptcy that is attached to the incorrect address showing on my experian credit file. The accounts linked to the incorrect address are XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and chapt XXXX bankruptcy. The incorrect address is : XXXX XXXX XXXX XXXX, XXXX, Ohio, XXXX. The address on my Experian credit is not my place of residence and this could lead to further identity theft as well as fraud. These accounts and bankruptcy could be sending information to this incorrect address. I have sent a certified Ftc affidavit, and the response I got from the bankruptcy courts. Experian stated the " VERIFIED '' the bankruptcy with the courts and that is false and a lie. The Bankruptcy and the accounts associated with this address need to be removed immediately! I have attached documentation that was sent certified USPS mail to experian.
Consumer complaint received 2022-04-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (NJ)

It all started back in XXXX when I originally applied for a mortgage with Chase, the process was dragged out. They tried to find every excuse not to give me a loan. I had a consistent job, my credit score was in the XXXX, I had the income and the down payment. A few days before my original closing after sending all the documents they needed, I suggested and had to find a Co borrower for my mortgage because they said I didnt qualify for the loan. 
This next incidence was back in XXXX of XXXX. I applied for a refinance to help lower my payments, save on interest and take the co borrower off the loan which he helped me with. He needed to apply for credit for his own personal reasons and wasnt able to because he was on my Mortgage. I had the same job, my credit score was still in the XXXX, didnt miss any payments and had equity in my home. I was receiving income from the same job but was just on workers compensation. I was told by the representative after a long conversation going through the application and answering all the questions for qualification and her explaining what my rate would be ; to reapply after I go back to work. I later on emailed her and told her I think she was violating my rights because I have a source of income. She proceeded to process my application and set up where I needed to upload my documents including my pay stubs. Which I uploaded and sent. Days later passed with no response and I reached out to see if she received my documents. She told me that they needed to have a letter stating when I will go back to work. I told her I didnt know for sure and couldnt produce that but I can upload a job verification with XXXX protection. She ignored my calls from the beginning and continued. I emailed her and even CCd her supervisor to get updates with no response. I finally got an email back and she said she will get back to me to see if my letter was enough. She also explained that the other letter I sent stating 2 years of XXXX was not enough. Weeks went by and my application was just closed. No notification by email, telephone call or written denial letter. 

I was treated very unfairly and discriminated against because of a temporary XXXX that she pointed out as in attached email. They denied me all the possibilities to help me lower my payment. They didnt care if I would have been in a future situation, that could have led to me losing my home. I have been receiving a lot of refinance letters, since interest rates have gone down and they didnt even give me a fair chance. XXXX XXXX owns my loan and Chase act like they couldnt help me. They denied me my equal rights just as everyone else to apply for refinance and to be treated fairly. I have suffered mentally and financially and I am highly disappointed because I have put all my financial trust in Chase being a customer for over 10 years with banking and credit cards.
Consumer complaint received 2022-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX I had a transaction for a mechanic XXXXXXXX XXXX XXXXXXXX for {$1000.00} on my debit card. I reached back out to the merchant the very next day as well as a month later to please look at my car as it sounds horrible and worse in the same area that he fixed. He told me know and that he could not do anything for me for 2-3 weeks and if I could not wait I had to find another mechanic. I was shocked and really upset. But I was told to file a complaint for a dispute with Truist back as it was a service that I got ripped off for. I filed several complaints the XXXX the Division of Consumer Affairs, and a dispute with Truist. I had a hard time from the beginning and I spoke t a supervisor named XXXX who said he would be able to help me, and to send in a copy of the invoice and the receipt and I did just that. It got denied twice as the claims person said I needed a voided receipt and now how can I get a voided receipt if I can not even get the man that owns the shop and who repaired my vehicle to fix the vehicle after a month. The car has a warranty on it and the paperwork to support everything was sent in to Truist claims. I am really disgusted that this claim is not being handled professionally as this could happen to anyone. I expected Truist to be on the customer 's side as this was a clear cut case. But needless to say I have spoken to several people and they all say something different and the supervisor XXXX promised to call me back and never did it was only when I called in and said I was filing a complaint did he get on the phone and try to explain the horrible choice the agent made in handling this claim.
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

When I went to a car dealership about a year ago they ran my credit to multiple different people and I have multiple inquiries on my account from the auto dealership car XXXX stated that they were only going to do one hard pool for one they did multiple 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Thank you for reading my request about my accounts. I am writing today because during my quarterly review of my accounts listed on my credit report, I noticed that a number of accounts were charged off with XXXX_Transunion XXXX XXXX XXXX 

I am requesting that these companies please forward me a copy of the 1099-C that was issued by there company when they charged off this debt with the IRS which is required by law for all debts over {$600.00}.

I continuously asked to do so and no one has sent anything. IT looks as if they are looking for a way not to remove this from my report if this was told in error initially it should not be altered to stick on my credit report.
Consumer complaint received 2022-08-06
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: Experian Information Solutions Inc. (NC)

In accordance with Fair Credit Reporting act XXXX Account # XXXX, has violatied my rights. 15 U.S. C. 1681 section 602 A. States I have the right to privarcy 15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with out instrutions.
Consumer complaint received 2022-08-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (TX)

Credence Resources Management thank you for your input but I requested verification from XXXX XXXX XXXX But sense you did it your documentation with signatures seem to be a joke { CFPB please blow these signatures up you will see that they are not the same myself nor my wife write like that. { If this is a contract Where it the SSI number, { My drivers license, or for that matter any thing } these documents is not a contract. so Credence Res how about a validation from you this account XXXX XXXX XXXX you supplied verification, { now validation } { 1 } who you spoke to name and contact information, what was said } both } parties, { any associates you may have spoke to, there name and contact information, times and dates, any coworkers you may have talked to about this account their names and contact information what was said both parties, { the original creditors } address and contact information Credence verified means make sure or demonstrate that { something is true or justified } LAW swears to or support { a statement by affidavit } VALIDATION means the action of checking or proving the validity or accuracy of something CFPB I have a right to is information { reviewing this made up signature documents that are not contract is a crime } you should have the information at hand because you verified right 30 days by law to respond