davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-13
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)

On XX/XX/2022, I sent a dispute letter via certified mail to XXXX, Transunion and XXXX asking to have all Billing Errors removed under 15 U.S Code 1666b and 15 U.S code 1681b. These errors are currently causing me hardship.

The companies are as follows : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

B of A stated there was an application for a new credit card for XXXX XXXX. I was told they had now marked it as fraudulent and sent the information to the credit bureaus to correct my report. The inquiry is still showing. This impacts my credit. 
All of this was handled through the Bank of America Fraud Department over the phone. No paperwork was ever given to me.

This may be unrelated. Now my social and old house phone number from XXXX years ago are showing on the dark web with my new address.
Consumer complaint received 2022-09-28
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (CA)

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.
Consumer complaint received 2022-09-28
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: AMERICAN EXPRESS COMPANY (TX)

We have tried cancelling the booking and at the time of booking this hotel and airline they clearly told us if we cancel before XXXX XXXX we would get a full refund.Now they say airlines would not refund us the money but it would only be the hotel that would refund us the money.As per the conversation had and information processed to us XXXX has lied to us and now we need to cancel the air tickets and hotel reservation with full refund.Amex who support us says they can not call XXXX XXXX and we should call them.Its their responsibility to make sure we get our money back to the card.
Consumer complaint received 2022-12-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NY)

mortgage compang will not allow me to schedule or view payments i am 4 months behind on payments but according to your website foreclosure cant begin until i am 120 days delinquent on my payments which I am not. i am currently just over 90 days delinquent and have a payment scheduled for this week which will put me at just over 60 days delinquent. On top of that my mortgage servicing company switched and i have been locked out of my account for half of the last 30 days and couldnt make payments and believed payments to not be credited properly
Consumer complaint received 2022-05-06
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc. (PA)

I CONSUMER entered into a consumer credit transaction with XXXX XXXX  XXXX of 2021. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX XXXX XXXX XXXX XXXX sales took cash. The finance charge is supposed to include insurance, but XXXX XXXX  sales made me purchase insurance separately. They Failed to disclose in the contract that this is an attempt to collect a debt XXXX USC1692e ( 11 ). They also failed to send me a written notice containing information listed under 15 U.S 1692g ( a ). I reached out to GM financial and XXXX because, GM financial is requesting payment, but my contracts has XXXX  as the lender. As a consumer I sent in a debt validation letter, Affidavit of Truth, and Cease and Desist they received my package but failed to respond to the information in the packet. They are in violation of 15 USC 1692e false representation of the character, amount, or legal status of any debt. Any debt that is owed should be in the negative ; throughout my contract payments are listed in the positive. The finance charge is the sum of all charges I'm supposed to pay which is {$6300.00} cents to XXXX XXXX XXXX. Why am I being charged XXXX from GM Financial. They violated 15 USC 1692 harming my Reputation by reporting inaccurate information to my credit report and the FCRA 15 USC 1681 states that my credit is my reputation. They harmed me and my property by sending someone to remove my vehicle off of private property without my consent. GM Financial and XXXX XXXX XXXX is in violation of 15 USC 1692 j for designing a contact that is used to create false belief in a consumer. GM is in violation of 15 USC 1692b ( 5 ) using symbols on envelopes, that is effected by the mails. I reached out to Gm Financial more than once to resolve this matter but they failed to respond.
Consumer complaint received 2022-12-29
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. (NV)

credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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
Consumer complaint received 2022-09-27
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. (LA)

please remove these fraudulent/unauthorized inquiries from XXXX XXXX  XXXX  XX/XX/2021 and XX/XX/2021 or provide proof in writing within 30days.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXXXXXX more than 21 times. XXXX 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

YOUR COMPLAINT Hi there, There was a {$22000.00} amount deposited to my account on XX/XX/2022 by my husband 's friend and we just imiigrated here in the XXXX from the XXXX. Chase restricted my account later on and I cld not access my funds. Called the fraud dept, talked to supervisors and explained to them there is no fraud happening in my account. Some supervisors are also hanhing up when ever you ask for more details as to when they will send me my check. They say investigation is happening and it may even take a year. This is really frustrating. I need my funds now for payment of my rent and bills but they refuse to give it to me. Called them at least 8 times already and escalalted calls to supervisor. Spoke to them kindly, nothing happens. Good thing we took most of my money we needed in XXXX and there was an amount left which is {$680.00} which I need for the holidays. I dont think it is fair to be treated as if you are a criminal just because of large deposit from overseas. 

Please help me in getting my hard earned money in my account. They keep on saying within XXXX to XXXX business days I will receive a check. After 2 weeks nothing happened and called again and they sais its still being investigated. Then I calles again after a wk and someone said theyll close acct in 3 business days so I shld receivey money in 2 wks. Nothing was received. Called them and a supervisor said its still under investigation and there is no timeframe as to when they wld finish. The misinformation and the unfair treatment was too much to bear already. Thank you.
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. XXXX  Account XXXX  XXXX # XXXX, Account XXXX  XXXX # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, PossibleXXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX  XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX-XXXXXXXXXXXXXXXX XXXX  XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-09-27
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: CAPITAL ONE FINANCIAL CORPORATION (UT)

I disputed capital one since it appeared again on my credit report again as a charge off and late payments, this is fraud, capital one personally removed it last year due to fraud so it shouldnt off been added back on thats illegal and against fair credit reporting act, I need this removed now since capital one is fraud and I didnt sign up for it and as they see on there records it was indeed removed and Capital one did remove it 1 year or so ago and thej just after that long add it back as charge off that isnt right and against the law remove it now from my credit and block thisninfo
Consumer complaint received 2022-09-27
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: Experian Information Solutions Inc. (VA)

Before I start typing this message, I want to make sure that XXXX does not mark this as a duplicate as they did with my last message. ( This is not a duplicate ). 

I contacted XXXX through CFPB in XXXX because the student loan # ending in XXXX that XXXX claims I have should have been relieved under the attorney generals settlement earlier this year. XXXX got back and reported that my cosigners FICO score was above the threshold of XXXX at the time of origination and thats why the loan can not be relieved. 
I am requesting XXXX to please prove that. I did ask them this in my previous message sent to them through CFPB. They didnt have any answer, so they marked it as a duplicate message. 
If XXXX can not provide me a copy of my Cosigners FICO score showing that my cosigners FICO score was about XXXX at the time of origination, then they need to relieve my loan and inform all three credit bureaus. I am requesting all three credit bureaus agencies that if XXXX can not provide me the proof of that FICO score from the time they are claiming then it should be removed from my credit history. I will also send a complaint to the Virginia Attorney General 's office regarding this message. 
I will be waiting for XXXX to respond on this matter. ( THIS IS NOT A DUPLICATE ).
Consumer complaint received 2022-09-21
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: CAINE & WEINER COMPANY, INC. (MN)

under Consumer Law 15 U.S Code 1861 ( b ) Permissible purpose of consumer credit I did not authorize permission to report on my consumer credit.

15 u.s. code 1602 ( p ) the term " unauthorized use, '' as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

15 usc 1692b not state that such consumer owes any debt ; Analysis A debt collector seeking location information must identify themselves by name of the employer to comply with this provision and avoid violating other sections of the FDCPA. An individual debt collector may use an alias if it is used consistently and if it does not interfere with another party 's ability to identify him ( e.g., the true identity can be ascertained by the employer ), and the collection laws of his or her state allow the same. Telling a third party that you owe a debt is illegal! First it may not be true thus unjustly damaging your reputation and second, it is simply nobody else 's business.

15 US Code 1692J ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor when in fact such person is not so participating. 


I contacted Caine & Weiner after finding a collection on my report on XX/XX/2022. I contacted the company and asked for validation letters and other documents to prove I had an debt owed, and instead the lady wanted to fulfill legal obligations on her end and not give me anything i asked for. she just kept dancing around my questions, and trying to collect money I have no knowledge of. 

I have student loans on my Report as well. The school I attended has put me in debt at {$16000.00}. XXXX  XXXX XXXX XXXX is in litigation and has been for quite some time now for Fraudulent & Misleading practices. There is a Fairness Hearing XX/XX/2022. The problem I have is when i contacted the XXXX  and XXXX  about the matter they verified " XXXX XXXX XXXX XXXXXXXX '' and did nothing about the matter.
Consumer complaint received 2022-08-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

I have spoke to XXXX XXXX numerous times regarding forbearance and a partial claim. A partial claim was filed however I have had money in unapplied that was suppose to go towards XX/XX/XXXX payment and I asked her this numerous times. She advised it would stay in unapplied however they used it towards the partial claim and now I dont have my payment for XXXX the partial claim was done wrong and has to be redone but Shellpoint will not redo it. I cant pay this month that money was for this month and I said it to her a multiple of times. I called hud they dont even have the partial claim yet. I should not be responsible for their mistake and punished for being late of not making a payment at all
Consumer complaint received 2022-09-28
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. (KS)

Called multiple phone numbers, I never get transferred to CSR. Automated recorded voice, " I can't get you to a specialist right now. I'm only able to transfer people in limited circumstances. '' So, apparently to experian as a consumer my call is not important. XXXX! On XX/XX/2022 My credit score was XXXX. On XX/XX/2022 Experian decreased it XXXX. WHY????????????? Nothing has changed. I still have 6 accounts, all accounts are paid on time, No account has been closed, No new accounts have been opened, My 3 credit cards are paid to XXXX  balance every month. My debt has decreased on 3 student loan accounts. Once AGAIN! I'm filing another dispute against Experian for decreasing my score!!! I want my XXXX added back to my score! I'm pretty sure my credit score would be way over XXXX if I had all of my points back that Experian has stolen!!! I'm constantly disputing this HORRIBLE/DISHONEST/DISCRIMINATORY company!! My Credit Reports and Scores are EXCELLENT with XXXX and XXXX!! Although, absolutely, no change on the consumers ( my ) behalf. Experian is a company that is purposely, lowering consumers credit scores ; so, they are forced to pay higher interest rates when they apply for a loan. Experian does not provide info or proof ( a cut and paste letter of reasons it can drop ) of why there was a decrease in my credit score. Those reasons do not pertain to my credit score. How is this XXXX XXXX!
Consumer complaint received 2022-08-23
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. (CA)

Despite all the letters and CFPB complaints I have been sending addressed to the Credit reporting Agencies, the XXXX and TransUnion Credit Bureaus have become negligent of their duties and resposibities when it comes verifying the information being reported on a consumer 's Credit report. I have been a victim of identity theft and I believe thatt he inquiries being reported by the XXXX and TransUnion Credit Bureaus were the results of such crime. Under the FCRA section 605b, the Credit reporting Agencies are required to remove any account and information that resulted due to identity theft. I sent a letter on XX/XX/XXXX requesting that the Credit Bureaus remove the unverified inquiries from my Credit report. But despite all the Letters I sent, the Credit Bureaus continued their uunverified reporting which is a clear violation of my rights under the FCRA section 604. I am submitting this CFPB complaint to remove the following unverified and unauthorized inquiries deleted from credit as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (TX)

On XXXX XXXX I went to the XXXX Bank Atm to deposit money {$1100.00} cash ( XXXX XXXX XXXX ) I have deposit plenty of times my credit union is Navy Federal. The Atm was process my money and then froze told me unexpected error occur please contact your bank a gave me a slip with date of transaction didn't show the amount or anything. I contact bank right then an there. They stated they would help figure out what happen. I went to the XXXX XXXX XXXX spoke to the manager ( XXXX ) the next day at XXXX XXXX in the morning she contacted the back office and took my information stated that it's possibly that it went to reject bucket because of the amount it happens all the time she says. SO I waited a couples days to see what they would do. I got this email stating I would get a temporary credit while they investigate. So no credit ever came after 2 days, called My bank they told me. Sorry the Atm balanced. I ask them could yall please pull the cameras they say no there was no reason too. I went to XXXX XXXX  again spoke to the manager same day this was Thursday of the same week. She called the dispute manager ( infront me in her office ) and she said Navy federal  never submitted a claim they have been waiting ( becausethere was other people same issue ). So I am so confused because they asked me what bills did I have like denomination I told them and heard the lady say yes this is her money on the phone ( this XXXX XXXX XXXX  ). I called Navy federal again they told me to submit another claim. I just been try get my money back someone to pull the cameras. Just back and forth.