davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I started this journey of only inquiring with a auto dealership named XXXX XXXX in XXXX XXXX, Texas. I was speaking with a XXXX only. I advised her I did not want my credit run and further impact my credit score. All I wanted to do is get information on a particular vehicle. I gave her my information but I was clear that I did not want my credit run. Next thing I am aware of is that this " manager '' named " XXXX '' has run my credit 9 times with different finance companies. I did not authorize this at all! I left and told them I would take my business elsewhere and that I was very upset at their doings and practices. Totally shady! I had not even made it out to my car and inquiries after inquiries kept digging on my phone. My credit apps that I have in place to alert me kept notifying me of these numerous inquiries. All three credit bureaus are now affected and I have tried to reason with XXXX XXXX but with out any success. All three bureaus will not remove these inquiries either due to their rules and policies according to them. I am requesting your help to get these inquiries off my credit reports. I have been greatly affected by these inquiries and during these hard time due to the economic impact the Covid-19 Pandemic has caused, it's been horrible! Please help me.
Consumer complaint received 2021-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (FL)

I am sending this complaint but more than a complaint, this is an intent to avoid any further action against Synchrony Bank. I've been trying to solve this situation for months and I've been ignored. 

There is a late payment reported in XX/XX/XXXX. I Called Synchrony in early XXXX around same time payment was due and told them about a deferment, I told them that Id pay on the XXXX and they said ok! I recently brought account current on XXXX. 

The Motor finance dealership financed through synchrony bank. I get mailed statements and it took around XXXX years to get auto pay. I just put it on auto pay after the late payment was reported. 

Synchrony account # XXXX, opened date XX/XX/XXXX, high balance {$7900.00}. 

I am just another client trying to get his credit freedom back, however this company has been negligent, they said it was ok for me to pay on XX/XX/XXXX. This didn't happen because I just didn't want to pay. 

My request is that Synchrony removes the late payment or the entire trade line of the account and sends the notice to the 3 major credit bureaus. This situation is overwhelming, I've been with several physical manifestations of XXXX. My financial life is being affected and I just want a fair solution to this problem. 

Thank you.
Consumer complaint received 2021-08-02
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. (CA)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2021-12-07
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. (GA)

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. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXXXXXX ( Original Creditor : XXXX  ) XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00}
Consumer complaint received 2021-12-07
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/2021. And now we are in the month of XX/XX/2021 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 ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2020-08-04
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5700.00}, {$1800.00}, {$0.00}, {$0.00}, {$0.00}, {$2700.00}, {$1400.00}, {$0.00}, {$5100.00}, {$250.00}, {$3400.00}, {$3900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

8. XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$0.00} -This is not my account. 


-- XXXX ACCOUNT 9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account. 


-- COLLECTION ACCOUNTS 10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$250.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account.
Consumer complaint received 2022-09-26
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: PENTAGON FEDERAL CREDIT UNION (PA)

Pentagon federal credit union has violated my rights which I will provide later on in my complaint. Pentagon federal credit union does not care about its consumers which the representative stated over the phone even after I said this was an error. 15 USC 1666b Mentions a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures which was not followed by pentagon federal credit union at all. 15 USC 1681 section A 602 mentions that I have the right to privacy and 15 USC 1681 section 604 A section 2 which also mentions a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-08-04
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. (TX)

I have disputed the inaccurate reporting on two accounts ( XXXX XXXX XXXX, Account # XXXX and XXXX XXXX XXXX, Account # XXXX ) with Experian numerous times over the last two years and each time Experian sends me a notice stating that they have either verified that the accounts are reporting accurately or that the accounts have been updated. Experian has. not provided me with the specific process of how their investigations were conducted, including but not limited to who was the contact person with whom they spoke to when the creditor was contacted. I received no information other than that Experian verified the accuracy of the accounts and/or that the accounts were updated. Below is a list of disputed inaccuracies on both accounts : Incorrect balance Missing information Status or any other field blank Status incorrect Account number inaccurate Account type inaccurate Date of last activity incorrect Date of last update incorrect Date reported inaccurate
Consumer complaint received 2021-02-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICA FIRST FEDERAL CREDIT UNION (MO)

I bought this vehicle in XXXX and then moved to Missouri. In Missouri the state requires they have the title or a Department of Revenue form signed by lien holder stating they will not send the title. I'm simply trying to register this vehicle in the state of Missouri and can not get the form I need to do so. I mailed a change of address along with MO form 5834 to the lien holder several weeks ago. I even included a return address stamped envelope. I sent these forms to all lienholders at the same time. I have all others back. Monday of this week I called to be told it was never received ( but my address got changed ) and was asked to fax the form. The form was faxed on XX/XX/2021 at XXXX CST. I engaged in chat today with someone from XXXX and I still have no resolution. They are now telling me that they've just requested my title back from Arizona and that will take 7-10 days and then they'll send it to MO and will not notify me. This makes no sense whatsoever. There is an option to state on the form that they will not provide title and a place to sign so I can get all my vehicles registered and insurance changed but they won't do that????? I'll try to enclose the chat if there is a place for attachements because this is ridiculous.
Consumer complaint received 2020-08-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have an issue with this Mortgage debt collecting company name XXXX XXXX XXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX During the pandemic I was applied the Loan forbearance with the company and they was put my file on the programs and promised not report as late pay after 2 month later I find out this is as late pay on my credit report as Current, was past due 30 days Status date XX/XX/2020 the company reported XXXX  as late payment which is the date I applied for loan forbearance I already paid all the payment now and never being late, I tried to contact them many times they don't answer the phone call and my credit report get red mark now
Consumer complaint received 2021-04-01
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)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-08-02
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)

To whom this may concern, I have disputed past fraud accounts and have placed alerts on my credit report to refrain from possible identity theft, and still fraud accounts are being falsely reported on my credit report. I have had a hard time proving my innocence in this matter and will not tolerate such a crime. I am growing angry and exhausted with this system that doesn't protect citizens account from such fraud. It should not be this easy for some complete stranger to live and purchase things as me and I get the bill when I have no knowledge as to how to prevent such a crime when I have followed and did what was asked of me by the bureaus. Please, please rid these accounts from my report and place an alert that will notify me directly!
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 — Account information incorrect
Company: EQUIFAX, INC. (TX)

Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$530.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is over ( 7 ) years old and should not be reporting at all. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-05-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MA)

On Tuesday, XX/XX/XXXX, I made a post on XXXX XXXX attempting to sell an item. I received a message from someone I thought was a potential buyer who inquired regarding the price of the item and insisted on paying through XXXX. Having used XXXX regularly before without issue, I provided my XXXX information and then received what looked like a legitimate email from XXXX confirming that the money had been sent. After this, I began to receive a series of strange emails that I still thought were coming from XXXX that stated the buyer had paid an increased sum, first of {$1000.00}, then of {$2000.00} more, to " expand my account limit '' and turn my personal XXXX account into a business account since the transaction was for a larger sum ( {$500.00} ) and that I would need to refund the buyer and send screenshots confirming I had done so through either XXXX or XXXX XXXX  in order for the transaction to proceed and for me to receive the total amount of {$3500.00} that the buyer had paid to XXXX, which they told me was already credited to my account and would go through upon receiving the confirmation screenshots that I had completed the refunds. I refunded the buyer {$2000.00} of the {$3000.00} as that was all I had in my account at the time, but received no confirmation from XXXX as expected and did not have the funds credited to my account. I called XXXX and provided them the transaction numbers from the emails and was informed by the Customer Service agent that these emails were part of a XXXX scam and not actually coming from XXXX, and that they therefore could not help me. I attempted to contact both XXXX and Chase Bank, the bank I have my XXXX account set up through, to address this issue, and was never able to get ahold of a Customer Service agent for either service in spite of hours spent on hold. The only information I could find was a statement on XXXX 's website which said they were ultimately not responsible for such instances of fraud, although they have apparently become increasingly common. I threatened to report the buyer and receive a refund of the {$2000.00} I had sent her, and she continued to insist she had sent it and it would arrive, and still continues to do so, but I have not yet received any of this money back to date, nor do XXXX, XXXX, or XXXX seem willing to address the issues of fraud that have led to me losing this money. I have attached screenshots of everything, from the fake XXXX emails, to the XXXX screenshots from my end and the fake buyer, to our conversations over XXXX XXXX and my initial XXXX XXXX posting, to provide the complete picture of how exactly this scam occurred and resulted in this loss of money for me.
Consumer complaint received 2021-08-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (CA)

My mother passed XX/XX/21 and settlement of her estate, although it began as soon as possible, is still ongoing. All necessary paperwork has been submitted. JPM Chase has promised to rectify the situation with the checking account in question. They have even supplied dates as to when beneficiary checks would be received, yet they have not closed said account nor have checks been issued. 
JPM Chase has continued to charge a Service Fee for said account, despite the fact that assets have been frozen since approximately XX/XX/21. 
I have endeavored to work thro

ugh the JPM Chase Complaint Escalation Department. Although I have been promised remedy concerning this matter, there has been n
one.

There is no excuse for this lack of service, especially for a matter that should be so basic to any banking entity.
Consumer complaint received 2021-03-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks. but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently as a XXXX. My email linked to my PayPal is " XXXX ".
Consumer complaint received 2021-02-24
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. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.
Consumer complaint received 2020-11-12
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC (CA)

National Credit Adjusters was collecting for a payday loan balance. 
I called them to pay, and their collection agent promised me that they would delete the collection from my credit report at all credit bureaus if I paid the collection. 
All I had to do was dispute it through the credit bureaus after I paid them. 
So I paid National Credit Adjusters and I have disputed it multiple times through the credit bureaus but National Credit Adjusters refuses to delete this account, even after their collection agent promised they would.
Consumer complaint received 2021-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

I called the Company as the Authorized Agent on a recorded line to find out why was this going on my credit report that I have no Knowledge of and was given no legitimate answer and the operator hung up in my face before I could get an Answer about the debt!
Consumer complaint received 2021-10-14
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)

I have filed disputes with XXXX trying to get a fraudulent account removed from my credit report many times from XXXX  through present and constantly they are not investigating this property. They just send me a message saying this is your debt. If they would check it properly then they would see its not mine.