davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-18
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 in reference to my XX/XX/2023 mortgage payment to XXXX XXXX XXXX. XXXX XXXX made a direct and infallible error in reporting this loan late. I have made several attempts to request the mortgage company to immediately correct this erroneous report to the credit bureaus, in conjunction with filing disputes with the credit bureaus. Their intentional neglect to correct this error has caused my XXXX XXXX to suffer a negative XXXX XXXX pts. My family and I are experiencing emotional distress and financial hardship because of XXXX XXXX  actions & nonaction. They have defamed my character and made it impossible for us to qualify for additional credit. We were in the beginning stages of consolidation of credit cards so we can assist in the funding of our first daughter wedding. Now we are having to borrow money from friends and family. As a XXXX veteran I would expect better treatment and consideration as we live on fixed income and have never been late in 3 years with this company. Extremely disappointed.I have the receipt and a official letter from XXXX XXXX dated XXXX XXXX admitting their error.
Consumer complaint received 2023-08-18
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. (AZ)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 

XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX XXXX  Date of Inquiry : XXXX
Consumer complaint received 2023-12-04
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. (OH)

All three credit reporting agencies XXXX, XXXX, and Transunion have reported late payments which violate 15 U.S. Code 1666b, also I did not give written consent to be able to add anything to my report which Is a violation of the Fair Credit Reporting Act. The accounts listed below are accounts that show inaccurate information and are shown as open which is a violation as well. Not only that 15USC1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. " Also12CFR1016.7states that " A consumer may exercise the right to opt-out at any time. " I am opting out of your reporting services.

The Accounts that are being reported as late are as follows : 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 2023-08-18
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)

The moment I received the duplicate of my report that I purchased with XXXX I immediately called your department since I saw some UNVERIFIABLE items on my personal profile. I discovered that there were CHARGE OFF and COLLECTION accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time as well as this incorrect information on my personal profile on my personal profile but still youre not taking any actions. I have never with these items listed below, so please help me remove these charge off and late closed accounts. A copy of my Utility Bill, drivers license, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX XXXX 
Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Drivers license, SSN and current Utility Bill as verification of my ONLY address. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-18
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: W&A Intermediate Co., LLC (NJ)

Dear, CFPB, Madam/ Sir : On or about one month ago on, XX/XX/XXXX. I received, a call from a debt collector regarding the amount of, XXXX. I call the debt collector and I spoke with him, and explain to him that the debt was not mine and did not belong to me. He started to abuse his language and he also thretening me, and harrass me that if i did not pay the unknown debt. He will sue me and he told me also that the money had to be paid in 72 HRS. I told him in our telephone conversation on XX/XX/XXXX. Sir this debt its not mine and does not belongs to me. I also told him NOT TO CONTACT ME NO MORE. That he was braking my consumer rights and also he was braking Federal Laws. I also told him on our telephone conversation to STOP calling me. Good bye and have a nice day. On XX/XX/XXXX. He call me again and told me that he made a mistake that it was not, {$1500.00}. However he told me that it was, {$20.00}. I told him to write me a letter of notification. On XX/XX/XXXX I received the letter stating that I owe a XXXX  {$20.00}. Please note that my insurance company Paid, {$80.00}, and I paid the {$20.00} cash to the secretary of XXXX XXXXXXXX XXXX  This bill was from XX/XX/XXXX, and my insurance company paid on, XX/XX/XXXX. Thank you very much. Respectfully yours. XXXX
Consumer complaint received 2024-10-31
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 2023-08-18
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: DISCOVER BANK (MO)

XX/XX/2023 Hello, Good morning, I hope your doing very well. 

my final warning that I have explicitly explained to you these items are not accurate and not complete and you have continuously keep reporting them.

Date of last activity Open Date Closed Date Account Status I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 5 days. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 credit bureaus with these accounts listed below.

I have now pointed out the mistakes so this account needs to be deleted immediately not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, XXXX, XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand you delete these accounts immediately. Please forward me an updated credit report to my address after you have completed your deletion. 


Report this account as disputed Thank you,
Consumer complaint received 2023-08-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OLD NATIONAL BANCORP (WI)

APPLIED TO INCREASE HELOC TO XXXX TO OLD NATIONAL BANK. SUBMITTED PAPERWORK AND MENTIONED WE WOULD USE FUNDS TO REPLACE DECK. XXXX XXXX IS THE REP AT OLD NATIONAL BANK. MORTAGE LOAN IDENTIFIER XXXX. FIRST LETTER DATED XX/XX/XXXX. WE STARTED TO REMOVE SOME OF DECK TO SAVE MONEY BEFORE THIS. THE ASSOR CAME TO PROPERTY TO ASSESS AND WOULD NOT DO IT BECAUSE IT WAS TO DANGEROUS. WE WERE DENIED THE NEW HELOC AND RECIEVED THE LETTER ON XX/XX/XXXX. THE REASON STATES VALUE OR TYPE OF COLLATERAL NOT SUFFICIENT. XXXX SUGGESTED WE WITHDRAW XXXX BEFORE START OF PROCESS WHICH WE DID. OUR HOUSE IS ALMOST PAID FOR, WE HAVE EXCELLENT CREDIT SCORES, AND AS I UNDERSTAND IT WE ARE USING COLLATERAL IN OUR HOUSE EQUITY. I DO NOT UNDERSTAND. I SUBMITTED A COMPLAINT WITH STATE OF WIS AND THEY FOWARDED IT OFFICE OF THE COMPTROLLER OF CURRENCY. XX/XX/XXXX I GOT A LETTER FROM THEM SAYING IT DOESN'T FALL UNDER THEIR JURISDICTION AND TO SUBMIT THIS WITH YOU.
Consumer complaint received 2024-02-23
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 (IL)

I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account associated with the email address XXXX. I firmly believe that this limitation is a result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

As a dedicated PayPal user for an extended period, maintaining a positive and trustworthy relationship with PayPal is paramount to me. I am fully committed to resolving any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request a comprehensive reevaluation of my case, urging a careful examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am ready to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process without delay. If specific documents or details are required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I look forward to a swift resolution of this issue and the opportunity to resume using PayPal 's services.
Consumer complaint received 2023-08-18
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 was the victim of identity theft and had someone fraudulently apply for several credit cards using my personal information. I was able to deal with the creditors to fix this, as well as two of the three credit bureaus to remove the hard inquiries. TransUnion still has two fraudulent hard inquiries on my account, and is being very difficult about removing them. I have called them three separate times ( most recently spoke to " XXXX '' ), and all three times they claim they're waiting to hear back from the banks XXXX XXXX XXXX XXXX and XXXX XXXX ). I spoke to both banks several times, and both said they sent notice to all credit bureaus indicating that the inquiries were fraud. Only TransUnion has not removed them.

Here are the two fraudulent hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-08-18
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. (NC)

MY IDENTITY WAS STOLEN, I'VE BEEN LIVING IN XXXX, NORTH CAROLINA FOR THE LAST 10 YEARS. MY ADDRESS AT THE TIME OF THIS INCIDENT WAS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2024-02-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (FL)

I opened 2 accounts with Chase Bank. I was persuaded by an offer sent to me from Chase by which I would get {$900.00} bonus for opening 2 accounts simultaneously. 
The offer was {$200.00} bonus for the savings account, {$300.00} for the checking account and {$400.00} for opening both accounts simultaneously. I have followed all the requirements : kept {$15000.00} in the savings account for more than 60 days, had my employer paying me through ACH deposit ( {$4000.00} ). I called and filed numerous cases with Chase and even if the supervisors confirmed with me that I should have received the entire {$900.00} bonus, I only received {$200.00}. 
This is an abusive practice and Chase Bank is misleading consumers. They took advantage of my hard work and never fulfilled their commitment. A terrible experience and another example of predatory and abusive practices. The last case number opened with chase was on the XXXX of XXXX. The case number was : XXXX.
Consumer complaint received 2024-02-23
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (TX)

I was a tenant at XXXX XXXX XXXX from XX/XX/XXXX to around XX/XX/XXXX. I was told by the management team at that time if I needed to leave the apartment I would be given a reletting fee. I was not when I had to leave due to my mother living alone and XXXX XXXX XXXX at her home with no help. On XX/XX/XXXX the company reported that I owe them {$6200.00}. I do not owe that much.
Consumer complaint received 2023-08-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2023, the Capital One Branch in XXXX XXXX NY inappropriately restricted access to our funds. We requested a cashier 's check during normal business hours and were told that they were out of checks. Subsequently, we were told that they had the cashier 's checks, but they were locked in a vault and nobody on duty could access them. We asked instead for a wire transaction to be processed, but were informed that the dollar amount we requested exceeded their wire limits and that they would only wire 1/3 of our requested amount. The bank 's suggested driving to their XXXX NYbranch at rush hour, 15 minutes away with no traffic. This was completely out of our way and with rush hour traffic there was no guarantee that we would have made it to the location prior to it closing. As such, our transaction is delayed, resulting in undue burden on the parties involved. Spoke with Branch Manager who did not understand the inconvenience it caused and proposed no practical solutions to resolve the problem other than to delay our transaction.
Consumer complaint received 2023-08-18
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: Village Capital & Investment LLC (GA)

This complaint is in reference to my XX/XX/2023 mortgage payment to XXXX XXXX XXXX. XXXX XXXX made a direct and infallible error in reporting this loan late. I have made several attempts to request the mortgage company to immediately correct this erroneous report to the credit bureaus, in conjunction with filing disputes with the credit bureaus. Their intentional neglect to correct this error has caused my XXXX XXXX to suffer a negative XXXX XXXX pts. My family and I are experiencing emotional distress and financial hardship because of XXXX capital actions & nonaction. They have defamed my character and made it impossible for us to qualify for additional credit. We were in the beginning stages of consolidation of credit cards so we can assist in the funding of our first daughter wedding. Now we are having to borrow money from friends and family. As a XXXX veteran I would expect better treatment and consideration as we live on fixed income and have never been late in 3 years with this company. Extremely disappointed.I have the receipt and a official letter from XXXX XXXX dated XXXX XXXX admitting their error.
Consumer complaint received 2023-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

Company closed both credit cards without any notice and continue to report late payments after closing for no reason or notice. One card had perfect payment history at the time of being closed. I demand that Capital One be completely deleted off my credit report.
Consumer complaint received 2023-08-18
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)

I have sent a multiple request asking TransUnion how they verified this accounts as accurate. I requested the company to provide me documents validating the debt as mine but they never sent me those documents. I am not familiar with the accounts that they are trying to collect. I don't remember having this accounts. 
XXXX XXXX ( Original XXXX XXXX XXXX ) : Account number : XXXX, XXXX XXXX  Original Creditor XXXX XXXX : Account number : XXXX,
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AL)

On XXXX XXXX I sent the certified letter attached below to experian to send proof of account verification. Experian sent the attached email on XX/XX/23. That is a stall process. I called Experian on XX/XX/23, where the rep told me that company policy is above Federal Law. Experian is violating my civil rights if they are refusing to provide the requested information. These erroneous entries are detrimental to my overall credit rating and has caused me severe financial and emotional distress.
Consumer complaint received 2023-08-16
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

I have a mortgage reverse mortgage with champion mortgage who have gone out of business and my new mortgage company is XXXX in the past couple of months I had made four payments of {$1000.00} a piece to champion mortgage and when I checked my account with XXXX the mortgage payments did not transfer over I notified champion mortgage who then stated to me they have no record of the payment my bank has proof of cancel checks so I am putting in a complaint for the stolen funds that champion mortgage stole and have not sent to XXXX who they sold my reverse mortgage to. I have proof of Bank payments and will as of XX/XX/XXXX notify the bank again to put in for theft and recovery of the four payments of {$1000.00} each. Before champion mortgage went out of business a lot of the funds were not transferred to whoever they sold accounts to for example for me it would be XXXX.
Consumer complaint received 2023-08-18
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. (CA)

I have had XXXX auto leases with XXXX XXXX. I received a collection notice on or about XX/XX/XXXX from XXXX XXXX XXXX for collection on an account that I was told by XXXX XXXX  closed in XXXX after I leased a new vehicle from XXXX XXXX ( which was turned in a closed in XXXX. The amount was {$13.00}. I paid the amount on that day and then called XXXX XXXX numerous times to find out what the issue was. They could not tell me as the account was not in their system. In XXXX of this year, my wife and I purchased a home and a {$13.00} account was on my credit report. With a representative of the bank that funded our loan, we spoke to XXXX XXXX to clear up the matter and was told that the account was closed and not to concern myself with the amount. I have spoken to various representatives of XXXX XXXX included the executive customer service area of the company. I was told that the matter should of never gone into collection, since I never received an documentation from XXXX XXXX about the the amount and that they would review the issue and directly take care of the matter with the Credit Rating services. I have not had a late payment in 35+ years and protect my credit rating aggressively. Since this issue, my credit score has gone down from XXXX to XXXX with one of the agencies and lower with the others. XXXX 's incompetence in this matter should not affect my credit rating or the costs that are tied to that rating. There low customer review scores are indicative of how they do business and I am sure there are others who have suffered similarly from XXXX XXXX 's business practices. If I knew that I owed Ally {$13.00} in XXXX I would of gladly paid the amount, and since I continued to have a lease relationship with them through XXXX without any notification of the {$13.00} or request for payment, makes this situation more egregious. A company 's poor business practices and management of information should not be allowed to affect new or ongoing customer 's life and ability to live in a credit driven society. Thank you.