davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-17
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. (CA)

I previously requested that you, the CFPB, investigate into a matter on my behalf, and I believe that I did not receive a fair and equitable solution with regards to confidentially or accuracy per 15 U.S.C. 1681 ( b ). Equifax has stated to me, and you the CFPB, that they have " verified '' that the disputed information belongs to me, and that the information reporting is 100 % truthful and accurate. I disagree with said results. By the way, I never consented to E-Oscar verification, and do not consent to E-Oscar being used as a method to verify information going forward. I would also like to now request any and ALL physical documentation that Equifax used to verify the following disputed information for : XXXX XXXX XXXX XXXX XXXXXXXX. XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( SAME ACCOUNT REPORTING TWICE!! HOW?! ) ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX. I also previously informed you that Equifax ignored me, and did not respond to multiple disputes upon proof of receiving them. 15 U.S. Code 1681i is the most basic law out of all, and they did not follow this. That alone is grounds for removal of the disputed information!! Equifax did not decide to move forward with my disputes until I involved you, the CFPB, to handle my request. I also informed you, the CFPB, as to which laws were being violated, as well as the reasons why, yet, you did nothing. I also informed both you, the CFPB, and Equifax, that my private nonpublic information is being shared with Equifax by these financial institutions and collection agencies, -which I did not consent to. This is against the law! You did nothing to ensure the protection of my personal information! There were several violations, but you, the CFPB did not have Equifax remove the data for any of those reasons!! How could Equifax be following the law when companies like " XXXX XXXX XXXX XXXX', " XXXX XXXX XXXX '', AND " XXXX XXXX XXXX  '' are still reporting!? Explain to me how they also obtained my personal information!! How did they obtain my social security number and other data to be able to furnish information onto my credit report??? Who gave it to them? Where is the documentation? CFPB, why are you allowing this to happen??!!
Consumer complaint received 2022-08-17
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CADENCE BANK (AR)

The company, BancorpSouth of XXXX XXXX has reported late payments to credit bureaus as of XX/XX/XXXX, when I was approved for forbearance. This company also attempted foreclosure in XX/XX/XXXX after I followed their advice and process in applying for Loan Modification. I was required, after their instructions to pay attorneys fees, and the payments they advised me to miss after they immediately put home in foreclosure. All this after following their instructions. Later checked with legal company which I'd defunct and does not answer the phone. 
I also noticed after getting copies of my initial loan documents of XX/XX/XXXX, that there was never a loan made to me, not realizing at the time, I signed that it had been. Also the " lender '' which didnt lend, did not sign the documents, only my signature is present, without understanding, being rushed, after the home conveyed to me via Warranty Deed, and was paid for, I was given documents to then give my home to BancorpSouth XXXX and a Trustee that I didn't know and was not present. The documents made bank beneficiary and gave my home that I had paid for free and clear, and without understand or realizing no one gave me a check or any money exchange. In reading the copy of the loan documents, this year, I suddenly realized I had been defrauded, and had been duped into granting my home to a bank without receiving anything of monetary fiduciary value from them. I sent a certified Certified Written Request to the banks CEO this month, and received no response. In XXXX or XXXX sent XXXX to XXXX XXXX, and have not received the response she promised. There continue to be negative remarks from this bank on credit report, after their servicing agent said there was none. 
I request your assistance with the above mentioned concerns. 
Removal of negative remarks, General Accounting Practices ( XXXX ), real evidence of their lending me funds on the date of XX/XX/XXXX or date of the alleged loan, and why was I given instructions by them re the loan modification and then their procedures to foreclose. Also I ask for the itemized accounting for the nearly XXXX XXXX dollars I was required to pay to get out of foreclosure in XXXX. 
I feel there was deceitful practices due to my lack of knowledge and being a first time home buyer. I ask for the XXXX ( est ) proof of a loan from BancorpSouth, and explanation of why they did not sign any documents for which I was lead to believe they were a party to. I never intended to grant my home to BancorpSouth or to make them Beneficiary or a stranger Trustee, and myself liable for an amount of money I never received. 
I feel I was defrauded by all concerned. I never noticed gave permission or noticed that my name was suddenly changed on the documents. 
I want answers to ALL of these concerns. XXXX XXXX nor XXXX XXXX have not responded. XXXX XXXX has not satisfactorily resolved the issue.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

i reached out to this company XXXX many times as well as I sent them a letter which is attached, letting them know that they are reporting a late payment on my consumer report when in fact is a violation of the law. 

Pursua

nt 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Pursuant 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments- 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 designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Pursuant 15 USC 1681 ( a ) ( 2 ) ( B ) : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information as well as a right to privacy.
Please delete from my consumer report immediately.
Consumer complaint received 2023-03-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I've already disputed these items, but they did not remove them nor prove validation. 
XXXX XXXXXXXX Bankruptcy XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX XXXX
Consumer complaint received 2022-03-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (MD)

The debt collector is trying to collect an amount that is not owed. I never agreed to this amount. I attempted to come to a agreement with them and they did not agree. I sent them a notice to delete from report because the amount is hurting me. Please delete this false number from my report. It is hindering me from moving forward in life. I cant get a home for myself and kids because I'm not trusted due to a false number that a credit card company is trying to collect. My credit limit was {$300.00} and their reporting {$680.00}. Their punishing me for basically having issues with with my finances.
Consumer complaint received 2022-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

I am not even sure where to report this and ask advise on this matter. I deferred mortgage for a year due to covid 19. As much as I know, it will be deferred to the end of payment including principles and interests. I resumed my payment exactly year later. When I get 1098 for 2021, it shows that my lender is charging deferred interest due to Covid 19 from the payments I made in the year of 2021. I called to my mortgage professional assigned to my account saying that I need to call bank for more information. I XXXX  again for the information aboout deferred payment relating to Covid19 and found the following from the following link. 

XXXX XXXX XXXXXXXX # : ~ : XXXX % XXXX % XXXX % XXXX % XXXX, been % XXXX % XXXX % XXXX % XXXX. 

It does not require a trial period plan as required for a loan modification, which requires several months of payments prior to modifying your loan It keeps the principal and interest portion of your mortgage payment the same as it was prior to your COVID-19-related hardship. Note : Adjustments to the escrow portion of your monthly payment for taxes and insurance may affect your total monthly payment. 
You will not be charged interest on the missed payments that have been deferred. 

From the beginning, my understanding is my lender is not supposed to assess any portion of interest relating to this deferred payment except the fact that it will be added into the end of my original mortgage expire date. 
Please advise me. 
Thank you. 

XXXX XXXX
Consumer complaint received 2022-09-19
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. (IN)

TransUnion is reporting inaccurate information on my consumer report. I filed an Identity theft report ( ftc report # XXXX ) and they're still reporting information that I did not give my consent to.TransUnion has never responded to the method of verification letter received by TransUnion on XXXX XXXX by Certified Mail Tracking # XXXXXXXX XXXX XXXXXXXX XXXX XXXX, and is in violation of the Gramm-Leach-Bliley act, The FCRA permissible purpose statute in question states : " Any consumer reporting agency may furnish a consumer report... to a person which it has reason to believe intends to use the information ( 1 ) in connection with a credit transaction involving the consumer on whom the information is to be furnished and ( 2 ) involving the ( a ) extension of credit to or ( b ) review or collection of an account of the consumer. '' I DID NOT DO BUSINESS WITH OR GIVE MY PERMISSION TO THE FURNISHERS OF THE ACCOUNTS IN DISPUTE. SEE ATTACHMENTS.
Consumer complaint received 2022-09-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: APEX Asset Management, LLC (PA)

On XX/XX/XXXX, I was a patient at XXXX XXXX, in XXXX Two bills were established, one for the medical facility and one for the emergency room doctor. The bill for the emergency room doctor was {$400.00}. Apex asset management llc of XXXX PA has been calling me and telling me, in writing, that I owe this bill. I explained multiple times of my two insurances and that both insurances would have covered the bill IN FULL. They continued to bill me. I have since learned that Apex asset management submitted the bill to the primary insurance using an INCORRECTLY spelled last name. I called the insurance company and they stated to me they never, ever received a bill for the doctor or a bill from Apex ; yet Apex told me they submitted the bill several times. This bill should have been paid when first submitted to insurances, but the last name has been spelled incorrectly ; although the last name on my patient chart is CORRECT. Apex told me on XX/XX/XXXX they were submitting the bill, AGAIN. I have never heard back from this debt company and need to have them be accountable and clear this matter up. There is no communication or follow up to know that they have finally corrected the billing name and submitted the bill to the insurances.
Consumer complaint received 2022-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the fair credit Reporting Act XXXX  Account XXXX, XXXX # XXXX has violated my rights. 

Account XXXX, XXXX # XXXX has violated my rights. 

Account XXXX XXXX # XXXX has violated my rights. 


15 U.S.C. 1681 section 602 A. States I have a 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.
Consumer complaint received 2022-08-17
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. (IL)

Hi I am submitting this 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 theXX/XX/XXXX 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 XXXX 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 XX/XX/XXXX n cant provide to my XXXXXX/XX/XXXXdaughter PLEASE HELP ME PLEASE imXX/XX/XXXX now.with no help.
Consumer complaint received 2022-08-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (SC)

My mother was contacted in XXXX of this year concerning a medical debt that was filed 2 years ago by a physicians billing. The lady told my mother that she knew she was my mother - that she knew where I lived and worked- and if I didn't pay my debt that they would send someone to my job to collect. Not only did they call my mother but they called my dad 's work phone stating he was dad and that he had to notify me of my debt. Then they called my brother who is married and does not live in the same home telling him the same thing. I did not appreciate that they shared my debt with my parents and brother. Besides this debt was medical bill that never should have been sent to collections in the first place which I tried to explain to the lady. I have been on south carolina  XXXX for 14 years. In south carolina you can not bill a XXXX patient. So I have no record that they ever sent me a bill. They apparently turned it over to collections. When I called the debtor I was told that I have a zero balance with them. I have talked to them and asked them to remove this from my credit report as it dropped my credit score immediately when they filed. I do not owe this debt and I have told them this but it is still on my credit report.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due lo XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002. 142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Inquires XXXX  XX/XX/year>
Consumer complaint received 2024-12-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I am writing to formally express my concern regarding unauthorized charges that have appeared on my debit card and checking account by a company called XXXX. These transactions were not authorized by me and have caused significant inconvenience and financial stress. 

Despite contacting your institution on to report this issue, I have not received a satisfactory resolution. I am disappointed by your failure to properly address this matter, and I insist on an immediate and thorough investigation into these charges, with prompt reimbursement of the unauthorized amounts. 

If this issue is not resolved to my satisfaction within 10 business days, I will be compelled to escalate my complaint. I will file a formal grievance with the Consumer Financial Protection Bureau ( CFPB ) and notify the Texas Attorney Generals office. Additionally, I will consider consulting my attorney to explore legal options and filing a report with the XXXX XXXX XXXX regarding your handling of this matter. 

I trust you understand the seriousness of this situation and the importance of resolving this issue promptly and professionally. Please confirm receipt of this letter and provide a written response detailing the steps you will take to address my concerns.
Consumer complaint received 2022-03-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (AZ)

This is what I wrote to Chase Bank. I have called the local branch in XXXX at least 30 times over a two week period, and I only get their answering machine. 

On XX/XX/2022, Chase Bank XXXX ( Branch XXXX, XXXX  and XXXX ) made a wire transfer for me. I asked that {$20000.00} be transferred from my account to a XXXX XXXX. The young man who arranged the transfer was XXXX XXXX. He prepared the documents, asked me to review them and I did. I then signed the documents. What I didn't notice was that Chase had converted my {$20000.00} USD to XXXX dollars ( XXXX  ) BEFORE the transfer. I did not want my USD converted to XXXX. Chase used an exchange rate of XXXX. The published exchange rate for that date, from many different sources, was XXXX. This caused me a loss of {$780.00} dollars!! Why was I not informed by your employee that not only had they converted my USD to XXXX, but that it would cost me {$780.00} USD?? Is this how Chase takes care of its customers? So now I have paid a {$50.00} wire transfer fee, and an additional {$780.00} for a {$20000.00} transfer. I'm sure they will say, " Well you signed the document. '' Maybe so. But I should have been VERBALLY INFORMED about the details of the transfer, and how much their exchange rate was going to cost me, to make sure there was no misunderstanding. They did not do that. 

A significant question - from where do theyu get their exchange rates? Is the terrible rate they gave me just another way Chase takes money from its clients?? What is their justification for that pathetically bad rate they gave me? They say that they have no control over currency exchange rates. If that is true, something is wrong with their system. The rate they used was nowhere near the published rate for that day. 

The overcharge should immediately be refunded to my account. 

I hope I have made a mistake in my understanding of the situation. But my understanding is that I have been robbed of {$780.00}.
Consumer complaint received 2022-07-24
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)

In accordance with the Fair Credit Reporting Act, the XXXX Account number XXXX is violating my rights to accurate information. The account is closed and was consolidated in 2019. The account is listed on my consumer credit report as open and a charge off/collection. The account has been deleted from XXXX. 

The FCRA states that credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.