davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Since XX/XX/2021, I have been submitting requested documents to Select Portfolio Servicing , Inc. After requested documents are submitted the company ask for additional or the same information. I call customer service and they are not help. I am being harassed by this company to end a Pandemic Forbearance. I have been making payments since XX/XX/2021. I am being harassed by Select Portfolio Servicing , Inc .
Consumer complaint received 2022-01-11
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. (PA)

XXXX XXXX, consumer, natural person and original creditor of an open end credit plan. I received a copy of my consumer credit report and I am now aware of some negative payment history that is being furnished without my written consent. Pursing to the FCRA 15 USC 1681b ( a ) ( 2 ) you may not furnish a consumer report without the written consent to report anything on my consumer report. No consent is identity theft. However, under 15 USC 1681a ( 2 ) ( i ) Exclusions from a consumer report include information solely as to transactions or experiences between the consumer. By law you can not furnish transaction history. Transactions are late payments, this needs to be removed now. According to 15 U.S. Code 1681 ( a ) ( 4 ). The information being reported is false, misleading and fraud. All in which so has caused many damages over time. Pursing to the FCRA15 USC 1692d a debt collector may not engage in the use of criminal means to harm the physical person consumer or my reputation. These late payments are damaging my reputation. They have also caused me great harm, mentally and physically. Pursing to 15 USC 1692e ( 2 ) ( a ) a debt collector may not use the false representation of the character of a consumer. Late payments are character damaging. It states you cant report the character of any debt meaning its in my character to pay late based on my consumer report. This is tarnishing my character. I am demanding that you remove every late payment. According to 15 USC 1681a ( q ) ( 3 ), identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. The term " Person '' in this section 15 USC 1681a ( b ) means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. In this case this corporation ( Experian ) is in violation. This is identity theft and as a result, the late payments must be removed and blocked from my file.To conclude, under 15 USC 1681c you must block any information in my file from an alleged identity theft, no later than 4 business days after the date I provide the details to you.
Consumer complaint received 2022-01-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (FL)

XXXXCardinal Financial paid a renewal hazard insurance payment to a company I had cancelled with. I had secured a new insurance company. Because the old insurance had almost doubled in price, my escrow for hazard insurance almost tripled. My new insurance company has since requested payment. The payment for the renewal of the old policy has not yet been returned. I have had to put the payment back into escrow without the old payment having been returned to me. I asked that my escrow for hazard insurance be discontinued, since the error made by XXXXCardinal can potentially be repeated. I was told no. I do not want decisions regarding my finances being made without my knowledge or permission.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC. (AZ)

XXXX XXXX has done a lot of unlawful activities using my name that has made my life hard. I have a wife and XXXX kids can you please help us?
Consumer complaint received 2022-01-21
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. (PA)

Equifax the credit Bureaus continues to keep putting a collection account back on my credit report.The companys name is XXXX XXXX XXXX. This account was supposed to be permanently deleted off my account in 2021 yet the keep trying to put it back on there reporting after it has been removed. I have never been notified each time in writing that this account was being put back on my account according to FCRA credit bureaus must notify you within 5 days of the re-insert date. Reinsertion of previously disputed information is governed by FCRA 611 ( a ) ( 5 ) ( B )
Consumer complaint received 2023-07-19
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. (GA)

Transunion is reporting inaccurate information on consumer report. Information is inaccurate and accuracy is the main responsibility. Consumer report from XXXX and XXXX has been attached showing how the information has been removed for not being accurate and how Transunion is reflecting inaccurate information. Proof is attached XXXXXXXX XXXX is being shown on Transunion consumer report only XXXX XXXX XXXX XXXX  is being shown on Transunion consumer report only XXXX XXXX XXXX XXXX is being shown on Transunion consumer report only XXXX XXXX is being shown on Transunion consumer report only XXXX XXXX XXXX  XXXX is being shown on Transunion consumer report only XXXX XXXX  is being shown on Transunion consumer report only XXXX XXXX XXXX inquire is being shown on Transunion consumer report only Transunion is in violation 15 U.S. Code 1681b - Permissible purposes of consumer reports
Consumer complaint received 2022-01-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (AZ)

I am a victim of identity theft. The tradeline, which appears on my credit report from XXXX XXXX last reported XX/XX/2021 in the amount of {$420.00} does not relate to any transaction ( s ) credit account I have ever had. It is the result of identity theft. I received a copy of my credit reports and discovered this trade line on my credit report. I did not authorize this account or transaction. I did not apply for any credit with this company and have no existing accounts with. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted XXXX XXXX individually and have not received any reply back.
Consumer complaint received 2022-01-10
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: Experian Information Solutions Inc. (NC)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite my better efforts the original creditor has yet to be displayed on My credit report and the account still shows the opening date is XXXX  more than 7 years ago. According to FCRA rules it's no secret that that should not exist there nor is it valid I'll add or verify above without the original credit.
Consumer complaint received 2022-06-21
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. (OH)

I am having issues with inaccurate information appearing on my credit report. please delete the following addresses below that are not mine : XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH , XXXX XXXX XXXX XXXX XXXX # XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX  XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX
Consumer complaint received 2022-01-10
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 — Investigation took more than 30 days
Company: Early Warning Services, LLC (GA)

I submitted a complaint to XXXX  through CFBP and the company responded that they are still working on the issue. I'm complaining that they should work quickly to remove my file and delete the erroneous information from their systems. I am complaining and noting that XXXX should know that there is no time to resolve this issue. They could be arrested, in jail or subpoenaed within 60 days if they don't act immediately. Normally within 15 days. It is illegal to place an individual 's information in XXXX or any other credit report file, randomly for no cause. XXXX deals with bounce checks and bank fees, and direct misuse of accounts, not " suspected ''. Possible alcohol and substance abuse is nationwide known factor in wrongful suspicion, along with other factors as well. XXXX has had 4 years to work on this issue and should have declined the bank 's faulty objection in XXXX. They are supposed to have knowledgeable personnel who won't make these kind of errors. I am complaining about this. I am complaining that there is no more time.
Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (MA)

Ally Bank has frozen my checking account on two separate occasions claiming to have reopened and investigation about my attempts to transfer funds to my sister.

The matter was already investigated, access restored and then frozen, again XX/XX/2023 Repeated attempts to contact AllyBank fraud department has been hang up on by Ally staff, after waiting in cue 10-30 minutes Repeated denial of information regarding access to my funds. Ally has not provided any written explanation for their freezing of my accounts, other than to tell me that's what I signed up for in my online banking agreement.

This ability to freeze my accounts has not been fully disclosed to me during sign up for the account.
Consumer complaint received 2022-07-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (FL)

In XXXX of 2022, my fianc and I purchased a puppy from XXXX XXXX in XXXX XXXX Florida. The total amount of the dog and supplies came to {$3000.00} total. I had paid {$1000.00} down and the store clerk advised that we could finance the rest thru a company called XXXX XXXX. What a mistake I had made as if I would've known the type of company this was, I would have never agreed to this. The clerk advised that the first payment would be significantly higher but the remaining payments would total to about {$200.00} per month, in which we agreed that would work for our budget. The first payment bill came in the following month, XX/XX/2022 for {$370.00}. I paid this amount in full leaving a credit balance of {$1600.00} according to ledger. The second bill came in XX/XX/2022 for the same amount of {$370.00}, not the {$200.00} we had agreed to. I immediately contacted XXXX and advised that this is not what I agreed to and not within our budget. Of course, customer service was completely unhelpful and tried to blame the merchant for the incorrect amounts. Nothing was resolved. I advised them to stop auto draft on my bank account as this would send me into overdraft having this {$370.00} taken out. I did not make another payment after that. On XX/XX/2022, a man from XXXX contacted me and stated that if I agreed to pay {$100.00} on that day and then a monthly auto-draft of my checking account of {$180.00} then my account would be back on track and would have no outstanding, late balances or credit reporting. I agreed and made the {$100.00} payment that day which then left a balance on my ledger of {$1500.00} owed. The following week, on XX/XX/2022 I received an email from XXXX with my new account ledger stating that the total amount now owed was {$2500.00}. I nearly fell out of my chair. I was charged an additional {$1000.00} for setting up this new payment agreement. Of course, I called in several times and spoke with several supervisors all of which refused to help me get this issue resolved. They informed me that there is some sort of " fine print '' somewhere that states they can now charge me 184 % interest for renegotiating this loan ; of course I never received or was told this when I agreed to the new arrangement. I even offered to make the full payment of the {$1500.00} owed and settle this amount as I am trying to buy a home right now and I do not want this unfair debt on my credit report. Again, they refused payment and demand the full {$2500.00} to settle the loan. That is more then I originally even financed to begin with. I have also made a complaint with the XXXX XXXX XXXX and to my surprise, I am not the only one who they are scamming. There are complaints, after complaints of this company continually doing this to people. At this rate, they are charging me almost {$10.00} a day in interest and I will never be able to pay off this loan. This company needs investigated and shut down as this is nothing but a scam.
Consumer complaint received 2022-01-11
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, 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/XXXX. And now we are in the month of XX/XX/XXXX 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. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: FinCo Services Inc DBA Current (OK)

I have disputed the charges in question with the company and they are currently open claims. My issue is that they will not provisionally credit the account pending investigation. The terms state that in order to qualify for a provisional credit certain criteria must be met, one of those being " If you were billed the wrong amount ''. I notified customer service immediately, while the transactions were still showing as pending, and was told to come back once they posted, which I did. They did not post on the same date so I had to file separate claims. I was told it would take up to 90 days to resolve and just assumed that regulation E would be followed as I was incorrectly billed. I also provided the documentation showing my attempt to get the situation resolved without filing a dispute, but could not get a response from the merchant. It has been more than 10 business days since the disputes were opened and I have not heard anything from the card issuer or the merchant.
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

The house went into foreclosure. It sold without The second mortgage excepting any offers. Now that the first mortgage is gone the second mortgage refuses to take a settlement theyre ignoring any documentation I send in to settle the account they continue to report it as a late payment going on three years now. I hired a credit repair company and this account does not change it wont budge continues to report a late payment. The late payment is only submitting to XXXX and XXXX.
Consumer complaint received 2022-01-11
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (GA)

My XXXX  was a XXXX Veteran who was exposed to XXXX XXXX and passed with XXXX in XXXX. Because he was 100 % disable I am entitled to all of his benefits. I have a XXXX XXXX with Freedom Mortgage. We have never missed a mortgage payment in XXXX years. I received a call from Freedom Mortgage asking if I wanted to do a XXXX  XXXX. I advised them I did not want to do a streamline however, wanted to do a refinance cash out, because I needed to replace the furnace, remodel the kitchen and other upgrades. I asked what the minimum XXXX XXXX was for a XXXX refinance and was was told XXXX. They ran a hard credit pull and my score was XXXX. I was told I qualified. They told me they would complete the application and get back with me with terms, interest rate, etc. The next day I received a call stating I did not qualify because even though I met the credit requirements, debt to income ratio, etc., they were not doing cash outs for XXXX XXXX because XXXX XXXX are considered " at risk ''. I am XXXX XXXX years old and an XXXX American XXXX and I think they denied my loan based on my XXXX and XXXX. I received a denial letter today which list the reason for denial as " ineligible applicant ''. I called Freedom Mortgage requesting a clarification to no avail.
Consumer complaint received 2022-01-11
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)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-01-11
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)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Consumer complaint received 2022-01-11
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 the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX 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. UPDATE OR REMOVE THESE 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
Consumer complaint received 2022-01-11
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)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report.
Consumer complaint received 2022-08-01
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. (MD)

XXXX 's XXXX XXXX. {$5800.00} I have no knowledge who this is or why it's even reporting on my credit. I have asked several times to provide a validation or verification and my request hasn't been honored. 
XXXX XXXX XXXX. {$290.00} I have no knowledge of this account or the original creditor. I did not agree to do business with this company. 
US Department OF Education {$1500.00}, {$1500.00}, {$2100.00}. 
I have no knowledge of this account or ever doing business with this company or person. The debt never was validated or verified. I have never received any thing from this company nor have I released my authorization for anything.
Consumer complaint received 2022-01-11
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 the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX 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. UPDATE OR REMOVE THESE 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX