davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied withthe FairCredit Reporting Act law and continued to report inaccurate information on mycredit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELYFROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  NA ) XXXX
Consumer complaint received 2022-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/22 I used the Bill Pay ( Mobile Banking ) service offered by Huntington Bank to send a {$570.00} payment to XXXX XXXX. I have done this monthly over many years. On XX/XX/22 I noticed XXXX XXXX  had not credited my account. I called XXXX XXXX  ( XXXX ) at XXXX and spoke to them for 16 minutes. I was told they did not receive the {$570.00} They were very helpful and open up a incident report. I was going to receive a e-mail that I was reply back to with any documentation etc. Excellent service. I then called Huntington Bank ( XXXX ) and waited on hold for over 45 minutes till I spoke to some one. All they could tell me was that the money was send and to call XXXX. There stance was the money was sent. This call logged a total of 54 minutes. I went to Huntington Bank on XXXX, Ohio ( XXXX XXXX XXXX, XXXX, Ohio ) on XX/XX/22 and spoke to a woman working on the counter. I was again told the money was sent and given documentation of the transfer. ( Huntington had flooding issues etc in XXXX and transaction delays at the same time of my transaction ) She did not seem to care about the coincidence, only that the money was sent. I then went to XXXX XXXX  and spoke to XXXX XXXX ( XXXX XXXX XXXX, XXXX, Ohio ) She was very helpful and offered to assist any way possible. ( I am to send her screen shots of my account to be forwarded to their resolution dept ). She stated that they have no reason not to complete the transaction if the money was sent. I agreed with her its more likely a Huntington issues, but no one at Huntington seem to want to resolve my problem There stance is was that the money was sent.
Consumer complaint received 2022-03-08
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. (FL)

On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-08-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (OH)

Dear Debt Collector, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2022-03-08
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. (HI)

XXXXXXXX XXXX XXXX, after a CARES Act, COVID-related forbearance, tried to get me to enter into a modification without providing me with information about the fact that my credit score would be ruined, and they reported me late on the forbearance amount without my written approval ( i.e., I never agreed to the modification ), and when I realized the XXXX point drop in my credit score occurred, I asked to have the amount on forbearance deferred, which should not result in an impact on my credit score. That deferment has been completed. During the entire process I have tried to explain this to Experian through the dispute process, and with XXXX, to at least 7 people who all refuse to listen, and simply refer me to Experian, claiming it is their problem. Experian tells me it is the mortgage company 's issue, since they reported the modification and that resulted in the point drop. I am very frustrated that this has ruined my credit, which was approx. XXXX  point higher, and consistently in the very good to excellent category for the past 20 years, until this situation caused by XXXX occurred. XXXX XXXX XXXX has also changed from XXXX, to XXXX, to XXXX and had many impediments to communicating with me, and vice versa for the past 2 years, exacerbating the situation. One of the specialists that I have worked with, XXXX XXXX, at XXXX confided with me that my situation is not atypical, and XXXX as a company is customarily doing the same thing to many of their customers, i.e., tricking them into accepting a modification and then condemning them to a dramatically damaged credit rating, which prevents them from seeking another loan from one of their banking competitors. This unfair business practice is a violation of the intent of the CARES Act, which was to allow relief to borrowers during the Global Pandemic, allowing them to reinitiate their payments after the emergency had passed, without detrimental affects on their credit rating, etc. I know I am speaking on behalf of hundreds, if not thousands of borrowers with XXXX who once had good credit, and are now stuck with this treacherous and predatory lender. I would like the CFPB to share this complaint with others so that they may avoid this lender, their deceptive practices, and indeed know that they have recourse with the CFPB 's protections and actions. Thank you for your help!
Consumer complaint received 2021-10-07
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. (AL)

Auto loan with XXXX XXXX 2 late payments were reported on XX/XX/XXXX and XX/XX/XXXX I have reached out to all three credit bureaus to have late accounts updated to current with no late payment due to COVID-19 related issue with no success.
Consumer complaint received 2022-03-08
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. (HI)

XXXXXXXX XXXX XXXXXXXX, after a CARES Act, COVID-related forbearance, tried to get me to enter into a modification without providing me with information about the fact that my credit score would be ruined, and they reported me late on the forbearance amount without my written approval ( i.e., I never agreed to the modification ), and when I realized the XXXX point drop in my credit score occurred, I asked to have the amount on forbearance deferred, which should not result in an impact on my credit score. That deferment has been completed. During the entire process I have tried to explain this to XXXX through the dispute process, and with XXXX, to at least 7 people who all refuse to listen, and simply refer me to XXXX, claiming it is their problem. XXXX tells me it is the mortgage company 's issue, since they reported the modification and that resulted in the point drop. I am very frustrated that this has ruined my credit, which was approx. XXXX  point higher, and consistently in the very good to excellent category for the past 20 years, until this situation caused by XXXX occurred. XXXXXXXX XXXX XXXX has also changed from XXXX, to XXXX, to XXXX and had many impediments to communicating with me, and vice versa for the past 2 years, exacerbating the situation. One of the specialists that I have worked with, XXXX XXXX, at XXXX confided with me that my situation is not atypical, and XXXX as a company is customarily doing the same thing to many of their customers, i.e., tricking them into accepting a modification and then condemning them to a dramatically damaged credit rating, which prevents them from seeking another loan from one of their banking competitors. This unfair business practice is a violation of the intent of the CARES Act, which was to allow relief to borrowers during the Global Pandemic, allowing them to reinitiate their payments after the emergency had passed, without detrimental affects on their credit rating, etc. I know I am speaking on behalf of hundreds, if not thousands of borrowers with XXXX who once had good credit, and are now stuck with this treacherous and predatory lender. I would like the CFPB to share this complaint with others so that they may avoid this lender, their deceptive practices, and indeed know that they have recourse with the CFPB 's protections and actions. Thank you for your help!
Consumer complaint received 2022-03-08
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)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.
Consumer complaint received 2022-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-08
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with theFairCredit Reporting Act law and continued to report inaccurate information on my creditreport. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROMMY CREDIT REPORT : 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 2022-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This isXXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2022-03-08
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. (TN)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-03-08
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: EQUIFAX, INC. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.
Consumer complaint received 2024-12-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (AE)

I noticed on my XXXX statement that I am being charged. {$220.00} dollars for interest for a charge on XX/XX/year>. I never made any credit card charges in XXXX. I called Citibank and they kept telling me the interest card was for the entire balance. My monthly payments went up from {$110.00} to {$330.00}.
Consumer complaint received 2022-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.
Consumer complaint received 2022-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau thedate of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with theFairCredit Reporting Act law and continued to report inaccurate information on my creditreport. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2022-03-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AZ)

As outlined further in the letter sent to XXXX XXXX Mortgage, a fault in the autopayment system of the company caused a reported delinquency in a mortgage payment for my primary residence. Upon explaining the background of the issue, contacting the credit bueraus, and attempting to work with XXXX to remedy the issue ( the account is always paid on time and is not delinquent to this day ), the company has refused to remedy the issue. XXXX is nonresponsive to any further requests or appeals and reiterates solely the a " payment was late '' while failing to recognize the cause of the late payment or the failure of XXXX to properly notify me as the consumer of the issue and how to remedy it. Regarldless of my continued logging in, at no point did the online portal show a delinquency and at all times displayed autopay as being active. I will need to continue the appeal process and move forward with litigation against the company in the event the continue to fail to respond. I would highly recommend against getting a mortgage with this provider.
Consumer complaint received 2022-03-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: United Shore Financial Services, LLC (AZ)

As outlined further in the letter sent to United Wholesale Mortgage, a fault in the autopayment system of the company caused a reported delinquency in a mortgage payment for my primary residence. Upon explaining the background of the issue, contacting the credit bueraus, and attempting to work with UWM to remedy the issue ( the account is always paid on time and is not delinquent to this day ), the company has refused to remedy the issue. UWM is nonresponsive to any further requests or appeals and reiterates solely the a " payment was late '' while failing to recognize the cause of the late payment or the failure of UWM to properly notify me as the consumer of the issue and how to remedy it. Regarldless of my continued logging in, at no point did the online portal show a delinquency and at all times displayed autopay as being active. I will need to continue the appeal process and move forward with litigation against the company in the event the continue to fail to respond. I would highly recommend against getting a mortgage with this provider.
Consumer complaint received 2022-03-08
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. (NJ)

I have sent XXXX, XXXX, And Experian my identity theft Claim. They are furnishing student loans on my reports that are identity theft and i also never given written permission for these accounts to be furnished on my report pursuant to 15 USC 1681b ( a ) ( 2 ). THIS IS IDENTITY THEFT AND EXPERIAN, XXXX XXXX XXXX HAVE BROKE THE LAW This isnt fair to me and i am losing faith in the system and if these companies want to continue doing business with me, Then they need to remove these accounts off my report. 

I am attaching my identity theft report and my letters that were sent.