davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I sent multiple credit disputes to these companies for them to investigate things that were not mine. I sent my report to the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in a time frame they have not abiding in these laws.
Consumer complaint received 2020-11-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd (FL)

XX/XX/XXXX I settled a medical debt with XXXX XXXX for service that was rendered XX/XX/XXXX. 

Today, I spoke to XXXX XXXX from Nationwide Recovery who told me I owed another bill from the same creditor but with a different amount and account number. This is the first time I've heard about this new account.
Consumer complaint received 2021-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NC)

I am a soldier in the United states XXXX and was deployed. While deployed got XXXX snd was sent back to XXXX. upon returning I realized my td bank card and XXXX cards wee missing. I dont remember if I took them with me on deployment or not but while deployed we used a different card called an XXXX XXXX XXXX  which can not be used for fraudulent activities because it doesn't have any card numbers on it. Our money gets loaded on the cars. I contacted td bank and filed a claim and so contacted XXXX  to file a claim. They did the investigation and said they couldn't find fraudulent activity. Yet the amount of money I lost was a huge amount of money that I need to be replaced. I am highly disappointed in XXXX ans td bank as I have been with them for a long time. I expect them to do better.
Consumer complaint received 2020-05-04
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC (FL)

I kept getting a statement and letter from this service, even though I have already asked them numerous times ( registered mails-to make sure they received my requests ), to please send me proof of the original contract, itemized, not a disbursement copy with my original signature on it. But this " Heartland ECSI '' with their account, " Covid-19, XXXXXXXX '' is completely ignoring my requests, instead, I kept getting notifications of payments with interest accumulation monthly. And also, this company kept sending this notice of payment to the wrong address. so, the resident of this address is literally upset and had already yelled at me because they thought that I have not changed my mailing address yet? Its been months, since I changed my mailing address ( XXXX of 2019 ) This situation is putting me on XXXX. The XXXX of the Corona Virus is enough for me to handle. 
I don't know what to do? Please help?
Consumer complaint received 2020-05-04
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. (IL)

I have contacted TransUnion many times and explained that the accounts that they are reporting under my name a fraud accounts. I have sent all the requested documents & they continue to report the accounts that do not belong to me. I am requesting again for the fourth time to please delete and block the accounts that you are reporting for XXXX XXXX  {$1700.00} & XXXX, XXXX XXXX XXXX  {$140000.00}, along with several Accounts from the Dep of Ed/XXXX. I am asking again to please delete & block this information.
Consumer complaint received 2021-03-09
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: Early Warning Services, LLC (TX)

As I stated and outlined in my previous Affidavit of Truth which I attached to my previous CFPB complaint about Early Warning Services , LLC. This fraudulent and illegal organization is attempting to be deceptive with their responses, delays and tactics. Not only have they continually broken federal laws by violating my cease and desist letter. EWS is purposely deflecting and lying by stating in their recent correspondence that they are in receipt of my disputes. I never included any dispute in my last official communication with them which was my Affidavit of Truth they received and signed for on XX/XX/2021. I only included my demands within my remedy which is my right as the federally protected consumer and natural person. They have said they are declining my request to pay my invoice which is deceptive and false once more. My invoice was not a " request '' but rather a demand pursuant to federal law. All details of this issue at hand have been included in my first Affidavit of Truth and my second one attached below. In my second Affidavit of Truth attached below in which I have updated my invoice to reflect all of Early Warning Services , LLC violations of federal law. This includes all the ones I initially missed and all their federal law violations over the last five weeks alone. Any questions they could have about their illegal wrongdoings are all clarified in both my Affidavits of Truth. They received and signed for my second Affidavit of Truth on XX/XX/2021. This is officially my second step I have taken in my private administrative process with Early Warning Services , LLC. Forward my Affidavit received today to all senior executive leadership and your legal team. I am giving EWS a chance to resolve all their flagrant violations of federal law by delivering my outlined demanded remedy. I have again not made any " disputes or request '' in my second Affidavit of Truth but only demands as is my right by federal law.
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

XXXX- -My name is XXXX XXXX , the last four of my SS # is XXXX. My account number is XXXX. I am writing to dispute the late payment reported by XXXX. I have been impacted by XXXX. Not only did I have the XXXX and was in the hospital for a long time, I lost my job. I spoke with XXXX and was advised My payments were deferred until XX/XX/2020. I get a credit alert and they have reported me as past due. This is a VIOLATION OF THE CARES ACT AND THE LATE PAYMENT NEEDS TO BE REMOVED! THEY NEED TO CORRECT MY CREDIT REPORT AND REMOVE THE ERROINIOUS LATE FEES!!!!! I was told I was provided protections under the CARES ACT and they failed to adhere to what was offered to me! No one has called me from XXXX! I received no written notice or terms of the deferred payments/forbearance plan. All I had to rely on was what the Rep told me. I thought I was protected until XXXX. XXXX needs to make this right, AND COMPLY WITH THE CARES ACT AND FIX MY CREDIT REPORTING AND CALL ME ONCE THAT IS DONE!
Consumer complaint received 2021-12-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They removed some reports from Equifax but they were not able to remove it from XXXX and XXXX. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX XXXX for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2020-07-15
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: BARCLAYS BANK DELAWARE (PA)

I am writing about a credit card charge that I disputed to Barclaycard and was denied. The case number for Barclaycard is # XXXX. The Transaction date of Saturday, XX/XX/XXXX and Post Date of Monday, XX/XX/XXXX. The charge is listed as XXXX XXXX in the amount of {$3300.00}. 

This reserved a XXXX for XX/XX/XXXX-XX/XX/2020 in XXXX, XXXX. Due to the COVID-19 crisis, my flight was canceled and travel is not practical. On XX/XX/2020, I attempted to cancel the reservation and subsequently called and pleaded with them for any opportunity. In the original dispute, I outlined my many attempts to receive a refund or even credit for the transaction. Their own policy states that customers should receive a refund or credit for a future stay. However, XXXX did not hold up their end of the contract to render services based on the money that I paid. XXXX did eventually offer me a very small refund of service fees and a portion of the host charge, which are the refunds in my account ( {$240.00}, {$230.00}, {$0.00} ). However, XXXX allowed the property to become unlisted and converted into a rental, violating their own terms and rendering no recourse for me as a customer that put down thousands of dollars. This is a clear example of service not rendered. 

Therefore, I tried to dispute the remaining charge of {$2800.00}. In light of the crisis and the fact that I am not even able to use the money towards a future credit by XXXX or the property managers actions of removing the listing, it is only fair that the money be returned to me. 

Unfortunately, Barclaycard denied by the dispute, despite the fact that the property owner broke their contract with XXXX and I was not offered any services.
Consumer complaint received 2021-03-10
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. (AL)

In XXXX and XXXX of 2021, I filed a dispute with this credit bureau about the unverified U.S. Bankruptcy Court case number XXXX XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these unverified accounts as of today. Thank you
Consumer complaint received 2022-04-26
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2021-03-10
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. (TN)

My credit report is showing me late 4 times ( XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). I have not been late ever. I pay my full mortgage each month by sending in bi-monthly payments. XXXX XXXX has acknowledged this and keeps saying that they will correct it with the credit bureaus. However, it remains incorrect with the credit bureaus. I have filed several disputes with the credit bureaus. Each time the disputes are closed it says the information is updated but it remains the same. 
I have been trying to refinance each month since XXXX. Each time the process comes to a halt because XXXX XXXX still shows me late on 4 payments. Even though the reps can see that I have not been late they tell me that there is nothing that they can do and that I should try again next month. This is completely unacceptable. I could have possibly missed some of the best interest rates for refinancing due to bad customer service from XXXX XXXX. Although I have been trying to refinance with them this makes me want to refinance with a different company once this is resolved.
Consumer complaint received 2021-03-09
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: CORELOGIC INC (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX XXXX XXXXXXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXXXXXX XXXX  - XXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/XXXX
Consumer complaint received 2020-07-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (VA)

On XX/XX/2020, Rushmore Loan Management sent a letter stating my FICO credit score was below 720 based on a FICO score obtained from XXXX. My HELOC was suspended immediately. I requested an investigation and the HELOC was reinstated when on XX/XX/2020 when Rushmore 'pulled ' a FICO score and credit report stating the FICO score is XXXX. For context, the XXXX score is unchanged from XX/XX/2020 when I provided a copy of the FICO score to Rushmore after its letter stating my score was below 720. My credit history did not materially change in 2020 to warrant my score increasing by 3.5 % ( say XXXX to XXXX ) between XXXX and XX/XX/2020. 

On XX/XX/2020 I wrote to Rushmore to provide evidence of the FICO score Rushmore obtained on XX/XX/2020 from XXXX. To date, Rushmore has not provided me a copy of the FICO score it obtained from XXXX. Moreover, XXXX  has no record, nor any other credit reporting agency have any record of an inquiry on my credit report to obtain a FICO score on XX/XX/2020 by Rushmore.
Consumer complaint received 2020-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (AZ)

To whom it may concern, XXXX XXXX XXXX XXXX XXXX purchased my second mortgage as I understand it in XX/XX/XXXX. Statebridge is the servicing company assigned to the loan. 

After almost no contact from Statebridge I hired legal counsel as of XXXX XXXX to assist me in the modification/communication process. Statebridge requested my " wet '' signature on the letter of representation which was provided to them in a timely fashion. Both myself and my attorney have faced a complete lack of response to our many attempts in contacting/communicating with Statebridge since XX/XX/XXXX. My attorney has agreed to and will provide his log of attempted contact with Statebridge. My attorney advised me last week to seek another avenue that is more cost effective rather than continuing to pay his hourly rate as Statebridge refuses to contact him/office. To date we are at 5.5 hours of attempted communication from his office. Both via email and phone. 

Areas of concern : Complete lack of communication/refusal to communicate Payments being processed but not applied to the loan ( I have statements from Statebridge reflecting this ) and can provide bank statements showing funds debited from my account. 

Statebridge issuing a NOI ( Notice of intent ) regardless of payments made to and processed by Statebridge. 

The state of the Assignment of Mortgage. As I understand, it is not in legal form. Please see attached document. 

Refusal to answer direct questions. 

Refusal to accept/process payments. 

Please see attached doc " Statebridge email '' Please see link below for XXXX  : XXXX : XXXX Please see CURRENT ALERTS FOR THIS BUSINESS in link. 

To be quite honest I am completely baffled as to how this company is allowed to continue conducting business. Truthfully I am at a complete loss as what to do at this point. 

I have or can gather any documentation you would like to view. I have a few recorded phone calls of payments being made. Also the call where I was told they could not accept payment in that department and there was no one available to speak to me and someone would call me back ( with no return call ). 

I need help! 

Thank you for you time. 

XXXX XXXX ( XXXX )
Consumer complaint received 2022-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc. (LA)

There was a credit card issued through Comenity Capital Bank in Ohio that I did not apply for or activate. A small charge was made using this card to XXXX XXXX A small item was delivered to my address, I did not open and wrote did not order return to sender. About two weeks late I received a credit card through the bank Ive mentioned above. As all cards a sticker on the face of the card had a number to call to activate card. I did not activate card and cut it up and disposed of it. Now unpaid balance was reported to XXXX XXXX and XXXX which has dropped my credit score over XXXX pts on each. My credit score had been over XXXX for many many years. 
Not sure how this card was issued but definitely not by me. I need assistance in resolving this please. The call I made supposedly to this Bank I got the run around.
Consumer complaint received 2021-02-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

XXXX no legally use my business card, don't provide services charge me XXXX $ .Chase bank sale my card information .I call Chase dispatcher said call business hours when I work, together to crime .Is not First time .XXXX  me and family
Consumer complaint received 2022-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Hi i logged into my credit report as of XX/XX/2022 and I noticed two capital one credit cards that were opened in my name and I have no idea who could have done this or did it. These are not my accounts even though it states my name. I never had a credit card before and do not need one. I see theres positive activity on the account which is akward.
Consumer complaint received 2020-07-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (WV)

Payment was made online on XX/XX/2020. My due date is the XXXX  of every month. Hyundai finance applied my payment to the wrong account. I have spent over 5 hours on the phone this week to no avail.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

With EQUIFAX, 1.-Do not provide the option to save Online your report although it says so. The ONLY option available is to print 30 some pages report. 
XXXX It provides only a Summary, no FICO, no any score whatsoever, XXXX It has a link to contact them, you click on the link and the report disappears, there is no way to get it back. 

XXXX XXXX The report does not provide a link to save it online. Another 30 some pages print out. 
XXXX Plagued with wrong or misleading information.
Consumer complaint received 2019-10-21
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: CORELOGIC INC (IL)

I notice that my credit report was ran without my consent on XX/XX/2019 by XXXX XXXX XXXX. I have been a victim of Identity theft and I been trying to reach out to the creditor to have this inquiry removed along with the other inquiries that were placed on my credit report from the banks they used with no resolve or help. I have contacted the creditors and some said it will be removed from my report, but after 30 days it still shows. This is unacceptable and XXXX XXXX XXXX and the other creditors XXXX XXXXXXXX, Credco, XXXX Auto and others havent been any help.