davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-23
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. (TN)

XX/XX/2022 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer portion thereof in which information on consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or whom who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have a right to privacy.

According to : 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. 

According to : 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Heartland Resolution Group, LLC (MO)

Heartland resolution group keeps calling me and letting it ring one time. They don't leave a voice mail and they don't give me time to answer the phone. This is harassment. I want them to stop calling me. When I called them back the person that answered just antagonized me.
Consumer complaint received 2021-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (CA)

Refinanced home loan. Was told that we were getting a escrow refund and it was going to go towards XX/XX/XXXX mortgage payment. We normally have it auto paid. XX/XX/XXXX the slate fee was attached of just under XXXX dollars. We called and emailed and by XX/XX/XXXX the fee was reversed. XX/XX/XXXX payment auto payed and loan was closed and paid in full. New loan Mortgage statement recvd. Statement date XX/XX/XXXX with a due date of XX/XX/XXXX. We were told there credit bureau would be notified immediately of the mistake and it has not been removed
Consumer complaint received 2021-04-28
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. (OH)

XXXX XXXX XXXX XXXX # XXXX this is the 4th time I have request legal and proper documentation from this company concerning this fraudulent unverified account that I never even heard back any type of information to even do a simple investigation.
Consumer complaint received 2022-08-20
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. (FL)

XXXX XXXX agreed with Experian to close an account I received letter from them saying my balance was XXXX this past Friday my credit dropped XXXX points because that same company put that same collections on my credit again
Consumer complaint received 2020-10-21
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (PA)

I requested 5 months FOREBEARANCE they forced me to take two 3 months. 

Now they are sending me this packet to complete. 

The CARES ACT is clear. I am entitled to the FOREBEARANCE as long as I indicate COVID 19 has impacted me indirectly or directly!! 

I have done this by email over and over, by phone. PHH IS NOT COMPLYING WITH CARES ACT
Consumer complaint received 2021-04-28
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: Convergent Resources, Inc. (CA)

XXXX phone someone stole my information this XXXX XXXX  keep XXXX XXXX  my account amount {$700.00}. One dealership run my credit many times even though i told them not to do it. I did not approved it for them to run my information that much. I need this to be clear for all credit places ASAP. Even child support is done too clear everything. XXXX im not going to be paying for someone XXXX  XXXX i never did at all. Please clear everything from my record because im becoming a XXXX  XXXX my record needs to be clean.
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX account # XXXX, has violated my rights. 

Your company 's in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

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 an account without my written instructions Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2021-02-13
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: Experian Information Solutions Inc. (TX)

in XXXX of XXXX i took out a loan with XXXX  to purchase a vehicle. The Dealership i bought it from, XXXX XXXX in XXXX Texas asked me if i wanted to purchase gap insurance. They informed me in case of a loss this insurance would cover any gap between insurance payout and balance of the loan. i purchased the gap insurance at the dealership.the gap insurance company is XXXX XXXX  XXXX. in XXXX of XXXX i was involved in an accident and the insurance deemed the car a total loss. i called the gap insurance company to file a claim and was instructed to fill out a form and send it to them. i sent them the form and they only paid part of the gap. not all of it. now XXXX has been reporting negatively on my credit report for years. ive tried to resolve the issue with the credit bureaus and XXXX but all they do is keep updating and changing thier reporting to the credit bureaus. i feel all options have been exhausted and i need to file a complaint to get this removed from my credit report as i do not owe this money. the XXXX XXXX  owes this money not me. it is not a large amount of money owed and i have enough to pay it but i feel it is unfair that i payed for gap insurance every month and they refused to pay up in full
Consumer complaint received 2022-04-24
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: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX have violated my rights.

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CO)

I filed a fraud complaint ( reference # XXXX ) three weeks ago and Chase has failed to perform their duties per the procedure of filing a fraud claim. Chase bank has made a false report that I did not dispute a charge on my account that was similar to the charges filed on my claim and used this reason as primary justification for denying my fraud claim. After speaking with a representative four weeks ago, the representative proceeded to re-file the fraud claim based on Chase banks back offices lack of careful attention to detail to their error in making an allegation that I didnt dispute similar charges when in fact I did as the representative noted. The fraud claim was denied again after Chase bank back office making a false allegation that I made the charges or was aware of them due to providing a pin. This is a patently false allegation for the reason that these charges reflect a transaction of XXXX XXXX  purchase which could have only been made online, which doesnt require a pin to be entered. When explaining how the back office was erroneous in their decision to deny the claim to the third representative I spoke with two weeks ago, he proceeded to tell me that I needed to present documentation in order to get the fraud claim filed a third time. I faxed in documents sent from XXXX showing that my name wasnt on the reservation and further added I did not recognize the person who made this transaction with my debit card. Chase Bank has to date has failed to meet its obligations as a bank and financial institution and is apparently depending on a back office that isnt competent enough to make good decisions for the company nor represent it with integrity. With that said. My account remains in the negative and I still have not received a deserving positive credit to this account.
Consumer complaint received 2021-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/21 i was overcharged by a cashier at the local XXXX  that not only rang up my order 3 times but also stepped away with my debt card and went to a back area where only employees were allowed and had my debt card the entire 18 mins, doing something i believe was illegal because i was overcharged XXXX $ soon after my original total was XXXX $ but when i got home i realized i was charged XXXX .
Consumer complaint received 2021-06-22
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: TOYOTA MOTOR CREDIT CORPORATION (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Acra Intermediate Holdings, LLC (CA)

Dear CFPB Team, I have a mortgage with Citadel Servicing Corporation.

Due to the Coronavirus lockdown, we were forced to apply for forbearance which Citadel approved from XX/XX/2020 until XX/XX/2020. 
We then agreed on a payback plan which we honored and made full payments every month according to the contract we signed. 
However, there was a change in servicing within Citadel and due to that internal change, our new mortgage statements did not reflect the payment amount that was agreed upon in our payback contract.

We contacted Citadel and they told us that they were not aware of any payback contract or agreement and that no such notes were recorded in their system. 
We were advised to only send in the new lower payment that was shown on the monthly mortgage statements which we did every month on time.

Besides the fact that Citadel incorrectly reported us to the credit agency as delinquent, they had no idea that we had an existing legal payback contract. Therefore, I emailed Citadel a copy of the signed payback contract and advised them to remove any negative reporting on our credit. 
As per their suggestion, we applied for a new loss mitigation package. Meanwhile, they told us that they would honor the payback contract but only if we could pay the difference of the new lower payment to the higher repayment plan for the multiple months they did not bill us correctly. Due to our financial situation we were unable to do so and sent in our loss mitigation application. 
Today we received a letter that states that we have 30 days to pay off {$50000.00}. 
This is absolutely ridiculous and unethical. This complete mess was NOT caused by us but by Citadel due to the change in their servicing operation. 
None of this should be to our disadvantage since we kept our part of the agreement and were clearly harmed by Citadels sloppy payment department that did not know that we had a signed repayment contract. 
Please help us resolve this matter and start our new repayment agreement from this month on. 
Thank you very much. 
With best wishes, XXXX XXXX
Consumer complaint received 2021-06-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Through several letters I have tried to get them to show me information that legitimizes the validity of that account. They submitted a summary of an account statement. They have not sent a contract in which my signature appears that legitimizes the debt. I don't know that company and I don't have a contract with them. They say they investigated and have resolved that dispute in their favor.
Consumer complaint received 2021-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

My mortgage was originally closed with XXXX XXXX XXXX XXXX ( purchase and closed on XX/XX/2021 ). They sold the loan and servicing was given to Select Portfolio Servicing. From inception it has been a nightmare and the list of errors are below : 1. They did not apply my additional payments toward principal correctly. 
2. I set up auto pay in XX/XX/2021 to start effective XX/XX/2021. They never withdrew money and on XXXX XXXX cancelled due to my failure to make payments -WHICH NEVER HAPPENED. I made my payments timely in XXXX, XXXX, and XXXX. And in fact made additional payments toward principal. 
3. I am not sure if my credit will be affected because of item number 2 above which is incorrect. 
4. My account is set up with escrows for taxes and insurance. However just yesterday the account representative told me it was not. My account was set up for escrows and I have the written proof. 
5. Select portfolio failed to make my property tax payments which were due XX/XX/2021.
Consumer complaint received 2021-04-13
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. (CA)

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX To whom this may concern : This letter is to inform you that these numbers XXXX and XXXX are inaccurate. 

This is not my phone number and I am not reachable at these numbers. These numbers should not be on my credit report profile ; they are incorrect. Please remove. 

My correct and accurate phone number is XXXX I have tried to dispute these numbers on my Experian credit report via the Experian website but Experian will not delete them.
Consumer complaint received 2023-01-28
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: Experian Information Solutions Inc. (TX)

I am writing to file a formal complaint against EXPERIAN ( hereinafter referred to as " the Agency '' ) for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and their refusal to remove an unwarranted charge of {$480.00} for an apartment that I moved out of and always paid rent for from my credit report. Identified as XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Pursuant to the FCRA, 15 U.S.C. 1681 et seq., the XXXX has a legal duty to take reasonable steps to ensure that the information contained in my credit report is accurate and fair. The inclusion of this unwarranted charge in my credit report constitutes a violation of my rights under the FCRA, specifically 15 U.S.C. 1681e ( b ), which requires that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Furthermore, the FCRA also gives me as a consumer the right to dispute any inaccurate information contained in my credit report, 15 U.S.C. 1681i, and to request that the information be corrected or deleted. I have exercised this right by demanding that this charge be removed from my credit report, however the agency has refused to do so. 

In light of these facts, I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action to ensure that my rights under the FCRA are protected. I request that the CFPB takes steps to hold the agency accountable for their failure to comply with the FCRA, and that the unwarranted charge be removed from my credit report. 

I would like to thank you in advance for your attention to this matter, and I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX Email : XXXX Regenerate response
Consumer complaint received 2021-04-13
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: Experian Information Solutions Inc. (GA)

I recently sent a dispute letter to XXXX  and Experian on XX/XX/2021, now it's XX/XX/XXXX and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Consumer complaint received 2022-09-18
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: Experian Information Solutions Inc. (TX)

I asked them to investigate my credit report and validate the information that they are reporting on XX/XX/2022. I sent a 30 day to comply on XX/XX/2022 and it is now XX/XX/XXXX and I have yet to hear anything about the investigation.
Consumer complaint received 2021-10-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My bank denied my dispute after me sending in relevant documents to back up my statement by mail ( in their pre-addressed envelope ) and again ; over the phone to multiple phone representatives. I got denied stating I didnt provide the information requested ( I did, twice ) and then they contacted the credit reporting agency. 
Im disgusted on their lack of backing me up. 
Every time I call they have failed to update my file and I get left restarting my dispute all over again. 
Multiple fone logs to prove me on the fone. 
I have interactions with the merchant you scammed me to back up my story. Im mostly now disgusted by Bank Of America and their handling of the situation.
Consumer complaint received 2021-04-13
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: EQUIFAX, INC. (PA)

I recently found that there are several unauthorized items on my credit report that dont belong to me. I do not have a record of doing business with these companies. Kindly delete these items off my credit report immediately. Further action might involve a consumers rights attorney and a lawsuit. Please remove these accounts as you know they are in violation of the Fair Credit Reporting Act.