davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The beginning of XX/XX/2022, I received notification from XXXX XXXX regarding an outstanding account with XXXX XXXX XXXX along with payment options to satisfy the {$9400.00} balance. I called and spoke to a representative to request a verification of debt letter. Upon receiving the information, the math was not accurate. I have reached out to XXXX and disputed this account in the past, but was informed the account had been sold to collections and to contact them with any questions. 

XXXX XX/XX/2022, I filed a dispute with XXXX XXXX XXXX XXXX the discrepancy in the amount owed. CFPB dispute number XXXX. Their response regurgitated a lot of known information, however failed to address the error. The end of the response contained a phone number for XXXX XXXX and for me to call with any questions. 
XXXX XXXX, 2022, I called, as per instructed, and was again informed my account had been sold to a collection agency and for me to reach out to them with any questions. 
XXXX XXXX, 2022, I filed a dispute with CFPB ( XXXX ) with XXXX XXXX and submitted the documentation proving the amount owed is not what XXXX is claiming XXXX I added XXXX XXXX in the dispute and they received a copy. XXXX XXXX replied after reviewing the documents submitted, the collection account was sent back to XXXX XXXX. They would cease all collection activity on that account. XXXX has yet to respond to this dispute. 

I have disputed the XXXX account with through the credit reporting agencies and those were closed in favor of the creditor. I was advised to file disputes through CFPB against the CRAs considering the documentation proves my case and the information being reported is inaccurate. In addition, trying to get this resolved with the creditor has proven ineffective as incorrect information was provided to CFPB about calling for assistance, the status of my account, and they have not offered any information regarding the mathematical errors and the amount being reported vs the amount paid on the account, deduction of the amount of sale from car, exaggerated, unexplained fees that contributed to the high amount in collections. I have tried repeatedly to receive clarification on the account however misinformation has left me out of options and with a derogatory negative mark which affects my credit score severely. 

Even without the XXXX months of payments made towards the {$14000.00} balance, the vehicle was sold for {$8000.00} added to the amount owed on my craa, the amount exceedes the original plan amount
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-10-06
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: CCS Financial Services, Inc. (PA)

Credit bureaus fail to provide me with proper validation of a alleged account on my consumer report..CCS Collection violated my rights pursuant to 15 us 1692g by not providing me with the five requirements that is needed to validate a alleged debt.
Consumer complaint received 2022-10-06
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MN)

The loan was initially bought/originated by XXXX, through an independent mortgage broker. When XXXX went out of business, the loan was acquired by XXXX  XXXX XXXX. Until a few months ago, XXXX  XXXX XXXX ( XXXX ) was servicing the loan. They recently sold the loan to " '' and now Select Portfolio Services ( SPS ) is servicing the loan. 

The first payment to SPS included an extra {$3000.00}, and using the stub from the XXXX statement, I specified that the extra {$3000.00} was to go towards paying down the principal on the loan. However, the money was instead used to prepay 2 or 3 months of future payments, with the remainder being applied to principal. I called SPS and the representative went ahead and reapplied the payment to principal. 

The second month, this time using SPS 's own statement, I paid an extra {$2000.00} towards principal and specified on SPS 's stub that the extra should be applied towards principal. Again, the extra was misapplied to prepay several months in advance, depriving us of the interest reduction we expect when paying extra towards principal. Again I call SPS and the representative said they would reapply the amounts towards principal as I originally requested. 

However, the representative on my 2nd call also mentioned that payment by mailing a check would ALWAYS be applied first toward prepaying future months ' regular payments before applying anything towards principal. And that is was is prompting this complaint. Not that the representative made that statement, but what that statement implies about SPS : they ignore the mortgagor 's stated allocation of extra payment amounts and apply it as SPS sees fit! 

I have already submitted the 3rd month 's payment since the switch to SPS. I'll likely learn how it was applied when I receive the 4th month 's statement in a couple weeks. But based upon the conversation above, I am expecting the same misapplication of funds.
Consumer complaint received 2022-10-06
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. (TN)

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking number.XXXX
Consumer complaint received 2022-11-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I am a victim of identity theft. I had filed complaints to the XXXX on XX/XX/2022. The bureau received the complaints but has not taken off the Unverified information from my report. 
The Bureaus have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section611 ( 5 ) ( A ) of the FCRA you are required to delete all information that can not be verified.
Consumer complaint received 2022-09-01
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Further to complaint XXXX - XXXX I am writing to raise a complaint regarding Citizen 's bank 's failure to comply with CFPB regulations. 

Citizen 's response to complaint XXXX - XXXX and the evidence provided to support their response confirms that they had incorrectly recorded customer account details and, as result breached a number of requirements to provide disclosures to prior customers of XXXX as set out in the CFPB Regulations ; notably but not limited to ; XXXX Credit and charge card applications and solicitations XXXX General disclosure requirements XXXX Subsequent disclosure requirements Citizen 's have also demonstrated that they have breached CFPB regulation XXXX ( f ) and provided documented evidence to that effect. This evidence had previously not been provided due to the failures in the obligations to fairly disclose information to consumers as described above.
Consumer complaint received 2022-10-21
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. (IL)

There are medical debts from XXXX XXXX XXXX XXXX showing on all of my credit reports such as with XXXX XXXX, Equifax, and XXXX. This medical debt does not belong to me. I have tried in vain to get this corrected with the credit reporting agencies via proper disputes, but no appropriate action was taken. As per the Fair Debt Collection Practices Act ( FDCPA ) and other State and Federal Debt Collection Laws it is in violation of my rights to have inaccurate and medical information appearing on my credit file such as debt that is alleged from a hospital. This is also, in violation of my medical privacy as per the XXXX XXXX XXXX XXXX as this debt is not mine and I have not given consent for any establishment to share medical data pertaining to me. Furthermore, this is a third-party collection that I have no contract or relationship with and is not obligated to them. I seek expeditious removal of these erroneous items from my credit reports.
Consumer complaint received 2022-09-01
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)

If you refer to complaint XXXX, this companXXXX XXXX XXXX XXXX responded to the company with no documents, validation materials, nothing to the CFPB, nothing to me, and they closed the complaint with no resolve and without documents that I am entitled to within 30 days under Federal Law - 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. 
The furnisher XXXX XXXX XXXX failed to provide to me or CFPB any requested documents that I am entitled to owe federal law within 30 Days and I hereby request that you order the deletion of these accounts listed on my credit file that was reported by XXXX XXXX XXXX. This relief I am entitled to by federal law..
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX BANK XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2022-09-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
Consumer complaint received 2022-09-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NORTHWEST BANCSHARES INC (IN)

I did not want two different payments withdrawn from my account. I assumed if the money was not in the account the payments would not be made just like if you make a purchase online, if the funds are unavailable the purchase does not go thru. To my surprise the bank put thru one payment as an XXXX. I immediately contacted the bank thru their help line on the first part of XXXX. I explained the situation & I was told twice all I could do was call the vendor to stop the pymts from being withdrawn. I knew this was a waste of time since the " vendors '' were predatory lenders. I assumed, again, that since I had an XXXX on my acct surely they would not put thru another pymt. The bank did. I was at a lost of what to do. I again assumed that would be the end of it. No, the bank put thru a third pymt as an XXXX  At this point I panicked & searched the internet for what I could do. I discovered I had the right to issue stop payments on both of these vendors which I immediately did. Why when I contacted the bank in XXXX was I not informed of this? I explained to the agent I did not want the pymts to be made & all he told me I could do was to contact the vendors, TWICE. I thought I had no options available to me. I am the customer of the bank. They should of informed me of this option saving me money in fees & XXXX XXXX.
Consumer complaint received 2022-10-11
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. (PA)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-09-10
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 XXXXXXXX Account # XXXX, has 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 : It also states a consumer reporting agency can not furnish a account without my written instructions. Equifax states this debt has been validated, but in 2019 Equifax also validated that this debt did not belong to me case confirmation # XXXX A summary of the results are listed below : Trade : XXXX XXXX XXXXXXXX ADVERSE ACCOUNTS THAT HAVE NOT BEEN PAID IN FULL WILL AUTOMATICALLY BE DELETED SEVEN YEARS FROM THE DATE OF FIRST DELINQUENCY. EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : HIGH CREDIT, SCHEDULED PAYMENT, ADDITIONAL INFORMATION.
Consumer complaint received 2022-09-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Two fraudulent accounts have been opened in my name on XX/XX/22 & XX/XX/22 and I have repeatedly called to have them shut down. Not only did they refuse to shut them down, once they did, one of them was reopened. I have requested they place a fraud alert on my account to find that after all of this, they allowed a phone number that isn't mine to be associated with my account. I have asked for the information used to open these accounts only to be told an investigation needs to be done but that I would need to fill out fraud paperwork. I have asked twice for this paperwork and repeatedly asked for the information used to open the accounts and have received neither.
Consumer complaint received 2022-11-08
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: Fidelity National Information Services, Inc. (FNIS) (AZ)

To Whom It May Concern : You are reporting inaccurate and/or incomplete information concerning me in consumer reports. 
Your conduct has caused me distress and financially harmed me with costs and loss opportunity.
Consumer complaint received 2022-09-01
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States , if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

THIS COMPLAINT IS BEING SUBMITTED BY MYSELF XXXX XXXX XXXX XXXX PERSONALLY. no third party is used in the submission of this complaint I have disputed directly with all 3 bureaus regarding incorrect information repeatedly. the refuse to report my accounts accurately iaw with federal credit reporting act. 



XXXX they continue to report credit card accounts open/deragatory which were discharged XX/XX/2020 in a XXXX XXXX bankruptcy ( case XXXX ). these accounts should be reported as closed XXXX they refuse to report payment history accurately for older good standing installment accounts in the correct timeframe ( my creditor score factors states i have short credit history ) XXXX they refuse to accurately report open installment accounts payments in 30 days XXXX they have closed current installment accounts and not reported current payments XXXX they refuse to remove remarks after repeatedly disputes. they remove them and them put them back on again over and over XXXX. AS RESULT OF ABOVE MY CREDIT SCORE AS BEEN SAME FOR YEARS
Consumer complaint received 2022-11-08
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. (FL)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (MA)

I have made payments via automated direct electronic system with American Honda Finance, however, it shows Potentially negative in my credit report. My credit score was reduced from XXXX to XXXX points because of this error.