davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-04
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. (NY)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2020-12-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (LA)

My loan got sold from XXXX XXXX to Rushmore loan Management which is a collection agents. I never miss or was late on a payment ever of any kind. When contacted company for first time I asked when I make payments more than what's do will they go to principal they said sure and I did not have to call it would be auto. I started making double payments per month and checked a couple a months later to find out they where applied to future payment as if they were being paid on time the month they were due. So I didn't have a payment due for three month, so when I waited for the next due date cause they would not answer by calls or e-mails to them. The next on time payment was applied all to interest no principal so my wife and me with XXXX credit score went shopping and changing to XXXX XXXX  for lower rate and better service, I was done wrong and want it to be known and reported.
Consumer complaint received 2024-08-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC (TN)

XXXX XXXX continues to try to reach out to me to try and get me to pay this debt. 
I have repeatedly told them I am unable to pay this debt. That I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my funds are EXTREMELY limited due to court costs. 

I emailed them on XX/XX/XXXX, informing them that I would be able to pay a very small portion if they wanted to settle. Because I will be signing a plea deal soon and heading off to do my time.

After this email, I recieved a phone call on XX/XX/XXXX and reexplained the situation, but said I could not make the payment plan they were willing to offer and to please stop calling. 

On XX/XX/XXXX, a different associate reached out and I continued to tell him i was in a public place and couldnt talk but he kept pushing to get my info updated in the system etc etc. I was in public and could not discuss my debt/situation with my legal charges.

I again was offered a payment plan and explained, no i will not be able to pay this bc I will be in prison. and no I can not afford what they are requesting me to pay this off.

They called again on XX/XX/XXXX at XXXX XXXX exactly. They called that same day on XX/XX/XXXX at XXXX. 

They call from different phone numbers everytime, so I only know it is them if I answer or they leave a voicemail. 

XX/XX/XXXX, I had a call I am assuming was Spring Oaks at XXXX. 
And another that same day at XXXX XXXX. 

XX/XX/XXXX, I had a call from another random number at XXXX. 

They call from different area codes/phone numbers Not only that, I have requested via email a statement from XXXX XXXX so I can see the total amount that was owed when sold to collections. 

I do not have a final statment fro XXXX and can no longer sign into my account. From the emails I do have from XXXX my credit limit was no more than XXXX XXXX XXXX. So I do not understand the amount they are trying to collect from me. 

My XXXX account was set up with electronic statements only available through my account. 

I have received no breakdown/proof of the total of this debt and feel harassed. I have tried to explain that I can pay a small portion of the debt to settle before I go to XXXX
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX SIMPLE Account Number XXXX Delete this account. 

2. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number XXXX Delete this account. 

3. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES BANK XXXX XXXX Account Number XXXX Delete this account From My Credit Report
Consumer complaint received 2023-03-01
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. (PR)

In accordance with the Fair Credit Reporting act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A. (TX)

I dont know how to go about reporting my Id and social were stolen along with my wallet and every card I own. I keep getting phone calls from loan companies and Ive never applied for and one new account for Best Buy two days ago which wasnt me. Please help me
Consumer complaint received 2020-05-19
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. (PA)

Transunion said I cancelled a XXXX/XXXX  XXXX  card, I did not the company did because they issued 2 cards by mistake, so one was shut down, why am I penalized for that by XXXX points, when I have a credit Balance on that account for {$130.00}????? very unfair, will be filing a report with Washington consumer complaints if not fixed, check it out XXXX XXXX XXXX, XXXX, Pa. XXXX acct end in XXXX was a mistake by company, gave me two cards. 
Acct. ending in XXXX is the active account. 
XXXX XXXX  said they will not fix it. 
Please correct this Chat Conversation End
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-03-25
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 am sending this over because there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. 
Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I XXXX XXXX, also did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of15 USC 1681b- ( a ) ( 2 ).
Consumer complaint received 2021-03-25
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: EQUIFAX, INC. (CA)

On theXX/XX/XXXX, I sent them a letter asking to validate some negative items on my credit report that I was not familiar with. After 30 days I got no response, I sent them another letter on the XX/XX/XXXX to complain that I haven't gotten any response yet and up to this day, they haven't notified me of anything. Here are the things I want to be removed from my report. 

1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX 3. The following personal information is incorrect Employers : XXXX 4. Validate inaccurate/ reported late payments XXXX Account Number : XXXX please remove inaccurate reported late payments update to payed agreed 5. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

6. The following account is not mine XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
Consumer complaint received 2022-04-04
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: Experian Information Solutions Inc. (FL)

I, XXXX XXXX, natural person, consumer, am alive, have hand written my instructions to Experian, pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). For any reason, my written instructions should not be misunderstood whatsoever. However, if you, Experian, fails to comply with I, XXXX XXXX, consumer, pursuant to 15 U.S. Code 1681n ( a ) ( A ), Experian you will be fined for {$1000.00} ( per ) account ( s ) for failing to comply with my written instructions pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). Must follow instructions in this letter. 

Best regards. 

XXXX : XXXX Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2021-04-06
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: EQUIFAX, INC. (TX)

Equifax is pathetic to say the least. Ive had a XXXX XXXX XXXXXXXX closed account report inaccuracies all across the board. One of the main issues is they are consistently changing the first date of delinquency and last date of delinquency. Every time I dispute, XXXX XXXXXXXX XXXX changes those dates to their liking. Causing this account to stay on my report longer. This account should have been removed last year in XXXX of 2020. 


XXXX and XXXX took notice to this unethical behavior and have now deleted this account. Equifax is the only bureau that wont do their job ethically.
Consumer complaint received 2020-05-19
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. (CA)

I have reached out on numerous occasions to fix these issues. I have alerted the bureau that fraudulent accounts exist on my report and have went as far as filing an FTC complaint and yet still they have left accounts on.
Consumer complaint received 2020-05-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (WA)

To whom it may concern ... 

We reside in the state of Washington, and our primary home mortgage has been with Flagstar Bank for several years. We recently applied for re-financing through XXXX XXXX XXXX. Our credit is stellar, and there should not be any problem in obtaining refinancing, and thus a lower interest rate. 
However we have learned that it appears that our home mortgage is in " forbearance ''. This has prevented XXXX XXXX XXXX  from processing our mortgage application. We did not ask that our loan be put in forbearance, and we were not notified of this in any way. Our mortgage statements indicate that our mortgage has accrued interest in a normal manner. We continue to make full and prompt payments, without fail. 
We contacted our mortgage company, Flagstar Bank. They stated that our loan is not in forbearance, despite appearance that it is. They stated that because the governor of the state of Washington declared a natural disaster in this state, that FEMA directed the verbiage on our home loan to give the appearance that it is in forbearance, even though it is not. They claim that they can not remove this verbiage, and XXXX XXXX XXXX  can not process the loan application as long as it is on there. 
Our home loan has not in any way been affected by the CoVid pandemic. As stated, this action was not requested, and we were not notified. It appears that this is violation of the Fair Credit Reporting Act, and we are being harmed by this action. 
Whether it is FEMA or Flagstar Bank, we are requesting that this verbiage be removed from our existing home loan, so that we can continue with our refinancing plans. 
We very much appreciate your help with this.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Lendmark Financial Services (TN)

I have 5 inquiries made on my report from loans and credit card applications that I did not make. Someone had stolen my identity and I didnt realize it until I received a XXXX  XXXX card that I did not apply for I then called and canceled the card and started to see notes about loans being applied for and made a XXXX report to see what all was created. I noticed they was all made on XXXX and the accounts are as follows Lendmark Financial, XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX card XXXX and XXXX XXXX. I would like these marks removed from my account and the amounts closed please.
Consumer complaint received 2022-04-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (MI)

This is complaint number 4 for the same issue. I am now ready to get the media and an attorney involved on this matter. Chase continues to " lose '' my payments that are coming from a 3rd party payer, XXXX XXXX, due to the fact I am XXXX  XXXX and can not work. The payments are being sent correctly to the right address and are not being applied. I am being charged late fees, which WILL NOT be paid by me. Chase has inconvenienced me tremendously and my health is suffering due to the added stress. If this is not handled for the LAST time, the next time they will hear from the media and my attorney. Due to the Americans with disabilities act, I am not responsible for fees that happen because of something I can not control.
Consumer complaint received 2020-05-19
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. (MO)

I sent in a letter to Trans union disputing inaccuracies its been 30 days now and I haven't update as of yet.
Consumer complaint received 2020-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (WA)

Summary : American Express offer XXXX bonus points for new cardholders. Key events are as follow : 1 ) On XX/XX/XXXX, my application was approved, an Amex rep confirmed over the phone that the spending conditions were met, and wait for 4-8 weeks for the points to be deposited. Note that the phone call happened some times between XXXX, and there should be a recording for this conversation. 


2 ) On XX/XX/XXXX, I attempted to reach out via Amex 's Chat Support. Amex reps told me that the account was not eligible for the bonus as there was a warning notification about accounts not being eligible. Note that I had not seen any warning or popup with similar message. I inquired about evidence that it happens, and asked for explanation of conflicting message that the phone rep gave earlier as mentioned in ( 1 ). Amex rep opened internal investigation. 
3 ) On XX/XX/XXXX, I reached out again via chat. The rep said the investigation was closed, without providing any further information as requested in ( 2 ). The reason is essentially : " the machine decides it, we can not interfere ''. 

As the case concluded without evidence showing no wrongdoings either side, just a vague message about the root cause, I am now filing a formal complaint to CFPB hoping to get satisfactory results. 

Attached is the chat messages with Amex rep for more detailed context.
Consumer complaint received 2022-04-04
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: CITIBANK, N.A. (TX)

On Monday, XX/XX/2022, I received an alert from XXXX XXXX that there were a few hard inquiries that had been added to my credit report. These are the inquiries that were added : XXXX Credit : XX/XX/2022 - XXXX - New Credit Inquiry XX/XX/2022 - XXXX - XXXX XXXX XXXX XXXX XXXX : XX/XX/2022 - XXXX - Card Service - New Credit Inquiry XX/XX/2022 - CBNA - New Credit Inquiry I have called all of the credit card companies listed and reported the fraud but was informed that no new accounts had been opened. I am assuming someone tried to open several cards in my name, but they were thankfully unsuccessful. 

However, the hard inquiries are still on my credit report, and XXXX and XXXX can not remove them until I have filed a dispute. I would like to have them removed immediately. 

Thank you.
Consumer complaint received 2022-04-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have reached out to the credit Bureaus over 30 days ago and I am yet to receive a response, these items on my credit report are inaccurate and I demand to have them deleted.
Consumer complaint received 2023-01-12
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, both of these creditors 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