davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-12
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)

This complaint is a continuation from CFPB complaints XXXX and XXXX. I have sent several letters to Tranunion and filed CFPB complaints. Transunion has STILL failed to verify the debts for XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX. After several requests they have NOT supplied documents used to verify the debts as requested. Instead they have attempted to stall verification by not responding or responding in a foreign language. The most recent response I received from Transunion dated XXXX the account was verified and updated.Transunion ILLEGALLY changed the date the account was closed to XX/XX/2022. To my understanding an account can not be with collections and past due. The account XXXX is reporting past due {$1800.00}. This is damaging to me and my credit file.Transunion has failed to investigate and verify the account. They DID NOT provide validation for the account after several requests.They are ILLEGALLY changing the date to change the reporting time. This account was removed by XXXX and XXXX how can it be truthful Transunion verified this account? XXXX XXXX XXXX XXXX # XXXX I received the same responses as the XXXX  account. XXXX XXXX XXXX XXXX is also reporting as past due {$500.00}. This account is listed as an open account. A collection account can not be open. These accounts should be removed IMMEDIATELY! Transunion is report information that is damaging costing me credit denials, paying more interest, and rental denial. They report false information and respond with a lie stating " verified ''. This should NOT be allowed! I will include their letter sent to me dated XXXX it shows XXXX XXXX XXXX XXXX and XXXX XXXX XXXX as a open past due collection accounts.Please hold Transunion accountable and request IMMEDIATE removal of these account. I take my credit very seriously it's unfair for this information to be reporting. Included below is two of the several letters sent to Transunion. There's others included on the CFPB complaints noted above. The letter dated XXXX it wasn't received by me until XXXX. This is clearly another stall attempt. XXXX Day is only one day there's no way it would take that long for me to receive. I have sent letters to them as well and they update verified in a matter of 2-3 days after I sent a letter. I have informed delivery with USPS it shows mail I will receive for the day. I included a picture proving their letter was received by me XXXX.
Consumer complaint received 2020-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

DUE TO THE PANDEMIC CRISIS, OUR TRIP TO XXXX XXXX, XXXX, AND XXXX WERE ALL CANCELLED DUE TO WORLD WIDE TRAVEL RESTRICTION DURING OUR SCHEDULED FLIGHT FROM XXXX ON XX/XX/2020. THE TRAVEL COMPANY ( XXXX XXXX/XXXX ) BILLED MY CREDIT CARD WITHOUT MY AWARENESS OR CONSENT {$280.00} AS " CANCELLATION FEE '' ... KNWOING THAT I DID NOT CANCEL THE FLIGHT. IT WAS CANCELLED BY XXXX XXXX AIRLINES SINCE XXXX XXXX PLACED A RESTRICTION ON ALL INCOMING FLIGHTS. WE ALSO BOUGHT TRAVEL INSURANCE AND XXXX XXXX IS REFUSING TO ISSUED A FULL REFUND. THEY OFFERED A CREDIT THAT WILL EXPIRE ON XX/XX/2020. ALL ( XXXX/XXXX ) TRIP IS DATE SPECIFIC AND THUS WE MUST PERFORM SUCH RELIGIOUS TASK AT GIVEN TIMES. XXXX XXXX DOES NOT HAVE PHYSICAL CORPORATION ADDRESS ON LINE TO FILE A WRITTEN COMPLAINT. ALL PHONE CALLS ARE DIRECTED TO ONLINE FILING OF COMPLAINTS WHICH IS A WASTE OF TIME. XXXX XXXX BOOKING No. XXXX. 
WE ARE DEMANDING A FULL REFUND OF THE TOTAL TRIP {$5900.00}, AND A REFUND OF {$280.00} CANCELLATION FEE.
Consumer complaint received 2020-08-27
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. (NV)

Experian is reporting the trade line XXXX XXXX as a mortgage with a term of 3 months. This is a gross error and attached you will find proof of the error. The actual term was 36 months. Attached you will find proof of this.
Consumer complaint received 2022-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

on XX/XX/2022 I, XXXX XXXX, was notified by HSBC USA N.A via mail that my credit card account was being sold to XXXX XXXX XXXX XXXX effective XX/XX/2022. Later I received notice that this change was postponed until XX/XX/2022. 

on XX/XX/2022 I, XXXX XXXX, sent a check from XXXX bank to HSBC USA to pay off the remaining balance of my credit card account, in the amount of {$2300.00}. 

on XX/XX/2022 My HSBC USA account showed a credit for the amount I paid via check, and my account balance was XXXX cents. That same evening, XX/XX/2022, The credit was reversed and my balance was back to original amount. 

XX/XX/2022 My account was charged a Return Check Fee. 

XX/XX/2022 I called XXXX bank and there was no evidence of a check submitted by, or returned to HSBC USA. XXXX advised me that the check was never submitted to them by HSBC USA and no check was denied by XXXX bank. I then called HSBC USA and was told multiple times that the check was returned by my bank and denied. I then proceeded to make a conference call with XXXX bank and HSBC USA on the same phone call, and was then told by HSBC USA that the check was first denied for unknown reasons. XXXX told HSBC USA that the check would clear with them, but they show no record of a check being submitted to them from HSBC USA. I was then told on the same phone call from HSBC USA that a " back department '' would need to accept the funds and my account would be paid off and the return check charge be voided. I was promised a call back within 24 hours and verification that my account was paid off and check accepted. 

XX/XX/2022 I received no phone call within the 24hr period and my account still showed the original balance. Called HSBC USA and was " disconnected ', which I believe hung up on, multiple times after explaining my situation with a new representative. Was then notified by HSBC USA after being on hold for 2 hours that they did not have the check and I would again be contacted when they research the problem and find a resolution. As of today, XX/XX/2022 my HSBC USA account still shows the original balance after a check was sent from XXXX bank in the full account balance amount, and HSBC USA is refusing to accept the check i submitted to pay this account off in full.
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: National Consumer Telecom & Utilities Exchange, Inc. (FL)

I just tried to contact NCTUE and they gave me the runaround when I was only trying to Correct an email they potentially have on file. They, I believe have a spam/ closed box on record. This entity is just as difficult to deal with when trying to get any information. They do not have accurate data and therefore, I can not be verified. My address has been corrected but I still can't be verified. I 100 % believe, they have Erroneous data that is Not mine on record. I must utilize CFPB due to not being able to provide documents via mail or fax.I have already verified my identity with PII and all NCTUE needs to do is review my other complaints for the documentation.
Consumer complaint received 2021-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc. (CT)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX, CT XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX, CT XXXX
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NV)

This complaint is to address the misinformation on my credit report regarding my account with XXXX XXXX XXXX/Comenity Bank which states my account is in derogatory status when that is incorrect. I entered a payment agreement with XXXX XXXX/Comenity Bank when they sent my account to collections with XXXX ( XXXX XXXX XXXX ) to settle the account for {$820.00}. The payments were made in the following installments : {$100.00} on XX/XX/XXXX, {$180.00} on XX/XX/XXXX, {$180.00} on XX/XX/XXXX, {$180.00} on XX/XX/XXXX, and {$180.00} on XX/XX/XXXX. The original account number is XXXX. I called XXXX XXXX XXXX at XXXX on XX/XX/XXXX at XXXX PST to confront this account and confirm that this account would be placed in PAID status and not derogatory, and this was confirmed by the sales rep on the phone named XXXX XXXX . It is XX/XX/XXXX, and this account is still wrongfully marked as derogatory on my credit report despite me abiding to the agreed upon payment arrangement.
Consumer complaint received 2020-07-06
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$360.00} XXXX XXXX {$640.00}
Consumer complaint received 2022-02-03
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)

I have tried to remove these inquiries and this fraudulent account for the last 4 months and it has stopped me from being able to get new accounts due to these fraudulent information. I would really appreciate if you can remove and block this information from my credit report and send me a copy of my credit report showing the removals. I need peace of mind at this point this has been going on for way too long.
Consumer complaint received 2023-03-07
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. (TX)

This is XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX Balance : {$9200.00} XXXX XXXX  XXXX Balance : {$9200.00} XXXX XXXX Balance : {$3900.00}
Consumer complaint received 2022-03-09
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. (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 Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-06
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$360.00} XXXX XXXX {$640.00}
Consumer complaint received 2021-09-10
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. (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. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by EQUIFAX Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, EQUIFAX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX 1 XXXX-Date of inquiry XX/XX/XXXX 1 XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2020-05-05
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Navient Solutions, LLC. (NY)

They were contacted and told of my XXXX. I am in the process of submitting paperwork yet they call incessantly. Ive reminded them multiple times that I have a deferment and my daughter that the loan was for has all her loans in deferment and that Im working on the application for forbearance. I have also specifically asked them to stop calling and threatened contacting you and the attorney general. I receive at last 3 calls a day, most before XXXX or around XXXX. Today I received one at XXXX on the nose. My daughter picked up and told them she used to work for compliance for debt collections and that calling that early and late, that incessantly and after they were told to stop is illegal and that we would be contacting you she was hung up on.
Consumer complaint received 2022-09-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MN)

Applied for COVID Loan Mod on : XXXX Denied XXXX Denied- could do a short sale XXXX applied and denied on XX/XX/XXXX I appealed the denial from XX/XX/XXXX Was approved for FHA/ HAMP Modification but only drop my payment of {$54.00} and the payment is more than 50 % of my income, I was never reviewed for COVID FHA 40-year loan Modification during these times. 
Mr. Cooper stated in an email that FHA DOES NOT offer a COVID FHA 40-year loan Modification. 

I contacted HUD about this. XXXX emailed Mr. Cooper on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX She also requested a supervisor to respond to me. I have never had a supervisor contact me. 
XXXX from HUD - sent Mr. Cooper emails on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX- I applied for help on XX/XX/XXXX and XXXX  XXXX XXXX  has requested information from Mr. COOPER multiple times since XXXX and they haven't responded.
Consumer complaint received 2021-09-06
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. (AZ)

I made report of identity theft to law enforcement dated XX/XX/2021 police report number XXXX. Identified on this report were seven ( 7 ) counts of collections reported fraudulently on my personal TRANSUNION and XXXX credit bureau reports. 

On XX/XX/2021 I certified mailed to all three bureaus a copy of the official police report, three forms of official picture identification, proof of address, my social security number, and a letter noticing the bureaus of documented fraud and identity theft. 

Previous fraud alerts and FEDERAL TRADE COMMISION affidavits of identity theft existed on my credit reports. I requested that the fraudulent derogatory entries listed in the police report be removed. 

In violation of applicable laws to include FCRA violations, TRANSUNION and XXXX  replied to me in writing stating that they would treating my identity theft matter as an informational dispute as, according to FCRA regulations, I did not include a police report.
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (AZ)

XXXX I opened a credit card with chase bank XXXX The next day I enrolled into paperless billing. the confirmation I got specifically says " we will send you an email to let you know when you have items to view online ''. Since day one, I have not received any of those statements that were promised in email. On XXXX I received approx XXXX emails ( all the same ) telling me I have a bill due XXXX. The email says nothing about being late, past due or anything of that nature. I logged in today to pay that bill and it tells me that I am 40 days past due with no warning. I have tried time and time again today to try to understand how I can have no warning that I have a late payment before it is reported to the credit agencies. They tell me " They did their job by attempting to send out the email. If i didn't get it, they can't help me. '' I want the erro removed from my report. I did not receive any statements to pay. I have another credit card with them that gets paid every month with no issues. I never received any type of phone call, email or anything to ask why the bill wasn't paid or to notify me that it was going to be placed on my credit. 

There was no phone calls, no emails and no statements received. I have checked the entire server including spam. How can a business mark my credit with no notification that there is any balance past due and no attempt to collect if there is a balance past due? There wasn't even a statement sent in my email or my spam with a due date. We have another account with another card company who had called once in the past to notify that we had a balance, and it was handled over the phone before it came past due. Is there not a rule or policy outlining rules of credit reporting and when It can be done and making sure the company reporting did their due diligence to collect before reporting?
Consumer complaint received 2022-03-09
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-03-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ALLY FINANCIAL INC. (MI)

XXXX. XXXX, XXXX I have attempted to have this debt removed from my credit report several times, several ways and Im attempting again. Please find enclosed my last attempt with XXXX Confirmation # XXXX. 

Here is the story : I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX, Michigan. 

The Finance company was ALLY Financial. I then re-sold that XXXX XXXX back to XXXX of XXXX XXXX for my current vehicle a XXXX XXXX XXXX XXXX. During the so-called payoff, XXXX XXXX XXXX Ally Financial {$71.00} at the time and was 16 days late making that payment. I have Enclosed a printed Live Chat conversation between myself and a lady named XXXX representing Ally Financial. It is my opinion that I am not responsible for this debt. XXXX XXXX is. I do not own that XXXX and when I was purchasing it every single payment was early or on time. This debt should not be Included in my credit report. I have a very, very poor relationship with this dealership and have attemped to clear this matter. Obviously XXXX did not thoroughly investigate my claim. 

Im asking that this is removed from my credit report it is not my debt, it belongs to XXXX XXXX XXXX XXXX, Michigan. 



Sincerely, XXXX XXXX