davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In XX/XX/XXXX, I purchased a car and had a loan through XXXX XXXX. This car was totaled in XX/XX/XXXX. I reported this to my insurance and XXXX XXXX. I had GAP insurance included in my loan. I spoke to a XXXX XXXX representative, and they told me my loan would be completely taken care of via my GAP. XXXX XXXX then called in XXXX of XXXX, stating that I owed them {$650.00} for 2 months worth of missed payments for XXXX and XXXX of XXXX. When I spoke to their representative and explained that I had spoken to a different representative immediately after my accident and that they had told me my loan would be completely taken care of by my GAP, the new representative told me there was no notes in the record that I had reported the car totaled. This call came two weeks after I'd received a notification with a copy of the check that had been issued to XXXX XXXX services, showing XXXX had acknowledged receipt. I forwarded a copy of this letter to XXXX XXXX and the negative credit report was then removed from my record. 
While reviewing my credit report in XXXX of XXXX, I saw that the XXXX XXXX loan and been re-opened for being {$650.00} delinquent. I had previously disputed the information as being incorrect, in XXXX. It was not removed from my credit report, in XXXX and deemed valid, even after previously being closed. Now, as of XXXX, my credit report is showing that I currently have XXXX missed payments to XXXX XXXX for XXXX of XXXX through XXXX of XXXX. This has shown up on my credit report in the last XXXX  days. This is falsification of my credit and has impacted my score. This is why I have not contacted the company or the credit bureaus. I have previously attempted disputes and written letters, to no avail. Therefore, I am now submitting a formal complaint.
Consumer complaint received 2024-09-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (MI)

Mr Cooper took over my Mortgage and has never paid my Homeowners insurance on time. In fact, the only payment they have made only came after my insurance expired or after my repeated calling and requesting that they pay the insurance premium. For the 3rd year in a row my insurance is unpaid and will expire in a couple weeks. Last year I paid the premium myself while still making my escrow payments.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (GA)

As per the guidance from the XXXX XXXX XXXX ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX  Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX debt bondage and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (FL)

I do not know who the company is or what debt they are saying I owe. 
Credence Resource Management says I owe them around {$1000.00} for something but they wont disclose who or where that debt originates from. 
They have called before XXXX and after XXXX most mornings and evenings. 
They have repeatedly called, most days 20-30 times, while I am at work and refuse to leave a voicemail. 
With the amount of scammers out there trying to get every XXXX  they can I am concerned that I am being targeted for a scam.
Consumer complaint received 2016-06-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NM)

Experian Credit tracker is using terms like account transferred, closed and paid as derogatory information, thus bringing down my credit score. Experian proper, which is a separate company from Experian credit tracker, tells me there is nothing wrong with my credit report. I have talked to many people in the last month, and they are always working on it, and I am paying XXXX a month while they " work on it ''. XXXX XXXX will be my second payment. Even if they solve it today, the way they have treated me is disgraceful. Now Experian Credit Tracker is doing an investigation of my credit, and they will find out the same thing. I think they will never solve it, and just want me to give up.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

On XXXX XXXX XXXX I made Equifax aware of the misleading and inaccurate collection account alleging a debt in the amount of {$320.00} they are reporting on my credit report. Ive requested Equifax and the collection company to verify I owe such alleged debt, the date of first delinquency and that the debt is indeed valid. 

Ive disputed this account, and it has been well over 30 days for Equuifax to investigate the disputed information and they have failed to verify the information. Per the law, 15 USC 1681i 5 ( A ) if the information can not be verified it MUST be deleted from my credit file immediately. 

By the law it is the consumer reporting agencies responsibility when preparing a credit report to assure maximum possible accuracy. Equifax has failed to maintain reasonable procedures and maintain 100 % accuracy in the information their reporting. Per 15 USC 1681e ( b ) Equifax Is in violation of FCRA and if they fail to comply and delete this information from my credit file, they must be held liable per 15 USC 1681n.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (NY)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : - 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I have been a loyal customer of Bank of America since XXXX and I always pay my balance on time. However, Bank of America kept bringing me troubles since XX/XX/XXXX. 

On XX/XX/XXXX, I received an email saying that my Bank of America checking account as well as my XXXX was cancelled. Then I made a phone call to Bank of America customer service, trying to communicate with them and solve the issue. However, they said it was a business decision and Bank of America has the right to close my account without any reason. Even though they sent a check to return my balance in my debit card, they had already brought much inconvenience to me because I relied on the debit card to pay my credit card. 

In the beginning of XXXX, I received a letter from Bank of America. The letter said that they decided to close my checking account due to security reasons and they may inform other banks not to open checking accounts for me. The letter made me heartbroken. I still did not give up on solving this problem, and I communicated with Bank of America customer service again on XX/XX/XXXX. The customer service told me that I was not involved in any illegal activities and they would not inform other banks not to open checking accounts for me, but they could not reactivate my debit card. I felt I was discriminated by Bank of America. Then I had to open a new checking account in another bank, but it took some time so I could not repay my credit card on time. 

After XX/XX/XXXX I hosted some friends who were traveling in the United States. I used my Bank of America credit card to pay for their accommodation and transportation, which was a large expense and made the credit balance worse. A siginificant part of my income is foreign income so it takes me some time to exchange it for US dollars. I hope Bank of America could understand me and give me some time to repay my balance. I communicated this situation with Bank of America credit card customer service in XXXX and asked them to give me some gracial period to repay my credit card, but they declined and kept charging me high interest expenses since XXXX. 

I made efforts to repay my credit card from XXXX to now, but Bank of America was still charging me high interest. In my final struggle I communicated with Bank of America credit card customer service for the last time on XXXX XXXX, XXXX to request to waive the interest charge, but I still failed. 

It was Bank of America 's fault to ridiculuously closed my checking account and made it difficult for me to repay my credit card on time. Since I always have a good credit record, Bank of America should understand my situtation in XXXX and give me some time to repay my balance. I feel that I am discriminated by Bank of America and my rights as a customer are severely hurt. I hope CFPB can take actions to protect my right.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (NY)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : - 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  -in litigation XXXX XXXX XXXX XXXX XXXX XXXX -in litigation XXXX XXXX XXXX XXXX XXXX -in litigation XXXX XXXX XXXX XXXX XXXX XXXX  -in litigation After speaking with the IRS, they stated that all charged off accounts over XXXX is canceled debt and ordinary income as these companies filed these on their taxes so why is it on my credit report I shall receive a 1099c from these companies regardless. They cant file these as charge offs and report debt at the same time this is illegal These inaccuracies shall not be on my credit report as debt. My rights are being violated per! 5 USC 1681e ( d ), violation of US Cide 1681, Violation of Us Code 1681 I ( 5 ) ,15 USC 1692 G Please delete these accounts
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Novo Platform Inc. (VA)

In the past I have successfully used Novo 's mobile app to deposit paper checks from clients. On approximately XX/XX/year> I began attempting to deposit a paper check using Novo 's mobile app. Problems are : difficult logging into account ( circular loop of error messages and assistance that does not work ) ; twice I was able to log in after repeated attempts only to discover there is no interface for depositing a paper check. I have attempted multiple times and contacted Novo support twice. Support has done nothing more than send me canned emails asking me to rate the support service, which I never received. Since Novo requires that paper checks be endorsed " For mobile deposit at Novo, '' other banks will not process the check. Novo advises to use snail mail to send the check to Novo, but I refuse to do this, especially given all of the errors thus far. I have been unable to deposit this client check for more than two weeks, which is very hard on XXXX XXXX XXXX
Consumer complaint received 2024-09-23
Product: Vehicle loan or lease — Lease
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: FIRST CITIZENS BANCSHARES, INC. (VA)

I had a loan/lease agreement formally with CIT Bank , now First Citizens Bank . The vehicle was determined to be a total loss in an accident in XX/XX/2024. Myself and the insurance company, Federated Insurance, have made numerous attempts by phone ( waiting on hold hours ), emailing and faxing with no response regarding our request for a Letter of Guarantee.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA XXXX XXXX Credit Reporting XXXX XXXX XXXX to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc. (IN)

GLA COLLECTION CO INC XXXX XXXX XXXX KY XXXX ( XXXX ) XXXX THEY HAVE CONTINUED TO HARRASS ME WITH PHONE CALLS. I PHYSICALLY TOLD THEM TO PROVIDE ME WITH PROOF. THEY SENT A BILL. NO VALID OWNERSHIP. MY MEDICAL BILLS OF 2023 ARE UNDER LEGAL REVIEW AND INSURANCE REVIEW BECAUSE MEDICAL BILLS WERE NOT RAN THROUGH A SECONDARY INSURANCE POLICY COVERAGE. I HAVE FILED DISPUTES W ALL 3 BUREAUS. FCRA FDCPA AND CFPB RULES HAVE NOT BEEN PROPERLY FOLLOWED
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (MA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Accounts ; XXXX XXXX XXXX XXXX US DEPT ED XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 CBCXXXX 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: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (IL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

JPMCB - CARD SERVICE XXXX
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-11-11
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-11
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. (FL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-09-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NC)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of Identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.