davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-13
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2022-12-13
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. (CA)

I submitted a letter to TransUnion on XX/XX/22 to update this suspicious information. I think they have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 


XXXX XXXX XXXX XXXX Balance : {$27000.00}
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

upon receiving message that my application for credit was supposed declined. I realized that I had not applied for credit for maths now. So I reach out to the company a I was told that they have no record of me aplyibg for credit. but next day there it was on my report. 

So I called the bureaux ( obviously pointlessly ) since the bureaus are compliant with the scammers out there and there's no checks and balances clearly.. 


anyways. the bureaus shrugged off and told me to complain to FCBP so here I am now I also went to the same company west site and simulated a new credit application... but I didn't use my name. I used a same name but scramble the word XXXX and change the last name. and as social security I literally used XXXX that how much of a joke that was. 

guess wha ... same thing I got a hit as hard inquiry win my report with indicates. all the disputes on my report are wrong and I demand them to be removed and deleted completely this is absurd and should not happen .. Im recording phone calls emails a and letters.. 

I'll will litigate in court and believe me .... will be stressful for all parties involved .... 

please and thanks ....
Consumer complaint received 2022-12-12
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 
Account Name : 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 15 U.S.C 1681 section 602 A States I have the 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 15 U.S.C 1681c. ( a ) ( 5 ) section States : 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.

15U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc. (CA)

Customer service was contacted about a pending, unauthorized debit to my account. The company claims the funds would be released on XX/XX/2022. 

The funds did not get released. The screenshots taken from the companies app clearly show the release date of XX/XX/2022. Upon contact, they have changed that date until 16 days after the transaction was debit from my account. 

The company is lying, and misleading customers. They have applied, and not received a banking charter in the United States.
Consumer complaint received 2022-11-12
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: Affirm Holdings, Inc (TX)

AFFIRM HAS FAILED TO COMPLY TO OBLIGATIONS OF FURNISHERS UNDER THE FCRA and placed this account under charged off with a balance, and on the week of XXXX XXXX reported the account in collections. 

AFFIRM continues to furnish information that I have identified as resulting from identity theft. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).
Consumer complaint received 2022-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (HI)

I am XXXX XXXXXXXX XXXX and discovered XXXX companies are supposed to waive the annual fee. I have tried to resolve my issues with Chase for nearly a year and keep getting the run around. On XX/XX/2022 I was told by my fellow XXXX XXXX members that XXXX XXXX military member I should not be charged their XXXX annual fee. I showed them my XXXX proof of service, etc. They stated they did not have to give me a refund for the YEARS of charging me the XXXX annual fee when they shouldn't have. I am due nearly XXXX in fees that Chase REFUSES to refund! They keep giving me the run around, transferring me to their " military department '' which doesn't do anything except delay. Obviously, all banks are greedy, but this bank might take the cake. The ONLY correct resolution is refunding me the erroneous charges which they refuse to do. For other XXXX XXXX members, I highly recommend going to XXXX or other companies that actually take care of us and fix our issues.
Consumer complaint received 2022-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (PA)

I opened an account in XXXX with Chase to obtain the checking account bonus of {$220.00} for opening an account and direct depositing {$500.00} a month for XXXX months into that account... The promo code entered was XXXX. 

Every month {$500.00} was deposited into that account from my employers account, and when I called Chase to ask why they hadn't funded my bonus yet they stated that my employer was not an employer... Which I have evidence directly refuting that claim attached to this complaint. 

I would like my {$220.00} bonus for completing the requisite milestones to complete the bonus... You have refused to provide my money citing incorrectly the validity of my employer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a XXXX  XXXX XXXX XXXX XXXX. By law it requires more than three members, managers and employees, so the bank is incorrect in stating I am a sole proprietor as the reason to deny paying me my bonus. 

Pay {$220.00} or go to court
Consumer complaint received 2022-11-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This complaint is a response to XXXX. Transunion should remove XXXX XXXX XXXX XXXX from my credit report. 
According to the Fair credit reporting act, the investigation should take only 30 days or 45 days in some special cases. Transunion has been investigating this issue for over 120 days with no report. It is illegal for them to be requesting additional 60 days. I demand they provide documents for the investigation done for the past 120 days. 

They should not be able to continue to jeopardize my family 's live - and cause hardship by including this erroneous information in my report. 

I have requested that Transunion remove the XXXX XXXX XXXX XXXX that they have on my credit report since XX/XX/2022. Since then I have sent a dispute letter every month and received no response from them. 
Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate.

Transunion is violating my consumer right by not providing any documented evidence that they did the investigation.

Under the Fair Credit Reporting Act,15 U.S.C . 1681g I have the right to demand that Transunion disclose to me all of the documents that they have recorded and retained in my file at the time of this request concerning the accounts that you are reporting in my credit report. Send me copies of the documents that you have in your files that were used to verify them. Acting for additional 60 days after over 120 days already is unfair and illegal.
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (OR)

I opened a small loan with Affirm in XX/XX/XXXX. I began making payments in XX/XX/XXXX. I made all payments since then on time and for the full amount. Affirm reported the total balance and the first XXXX payments to XXXX. After 11 months of payments, Affirm did not reported again. In XX/XX/XXXX Affirm stop reporting any information to XXXX and XXXX removed the loan from my credit history. This lowered my XXXX XXXX by removing the a history on time payments and increased my debt to available credit ratio. They have harmed my XXXX XXXX when there is ample evidence that I have met my contractual obligations to Affirm, including paying their very high interest rate. The sole purpose o this loan was to build a credit history and therefore increase my score.
Consumer complaint received 2022-11-12
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX 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 2022-11-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC. (GA)

Improper Servicing practices and problem resolution with Plaza Home Mortgage during XXXX XXXX trial period payments after offer of Flex Modification work-out resulting in removal from Loss Mitigation workout and denial of Flex Modification due to incorrect recoding perceived as an untimely payments which is a term to default on the trial. 



After my successful trial and not receiving my modification paperwork after my completed trail period I emailed XXXX with no return call. I was later confirmed by XXXX Customer Service that original trial payments were received ( XXXX tracking available ) yet XXXX trialchecks were being returned to me to be rewritten ( reissued ) due to clerical issues. The reissued trial checks were misapplied ( not applied to trial ) once received by XXXX. Note : I reissued the checks as soon as notified and verifying s not cashed, and mailed via XXXX  ( tracking available ) as opposed to waiting for the original checks to arrive via XXXX weeks later.I was told I would not be penalized for the misapplication, and my representative would be able to rectify the issue and would be the ONLY XXXX to move my account back to Loss Mitigation and get my modification back on track. This never happened. I was referred to Foreclosure, and then Servicing transferred to XXXX on XX/XX/22. XXXX stopped foreclose and asked me to complete a new loss mitigation package which was denied. If XXXX has made the corrections to my file as promised, I would have already been on my trial period. I can NOT be displaced. My XXXX yo mother lives with me. I lost my job of over 20 years, and i singe mom of XXXX. I now have the means to afford my mortgage and stay in my home. I have appealed the case with XXXX and contacted XXXX XXXX for help as well as they own my loan. I am opening cases with the regulatory agencies as I know rules were broken and consumers have rights, I was mistreated, ignored, and disrespected. This servicer dropped the ball and does not care. Help!
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC (PA)

I originally had a late payment XX/XX/2022 in the amount of {$99.00}. I was going to pay the entire credit card off and close the account XX/XX/2022. I talked with a representative and they advised if I had paid {$100.00} they would delete the late payment from XXXX. However, they never did. I talked to a supervisor and tried to dispute but they insisted that they couldnt take the late payment off. After someone told me that they would, they even placed me on hold In XXXX to talk to someone higher up so Im not under standing where the confusion had gone. I asked if they could look in to the recorded call from XX/XX/2022 to investigate and they refused. When all calls are recorded and monitored. This is with XXXXXXXX XXXX XXXX. I even have a dispute report where they had changed the late payment from {$99.00} to {$0.00} being past due then a month later changed it back to being past due. The confirmation number with XXXX was XXXX. Where they reported {$0.00} for XX/XX/2022. Then XXXX is the confirmation number with XXXX where they put it back on my credit report.
Consumer complaint received 2022-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (WI)

XXXX was terminated over a year and half ago and the cable boxes were returned to the XXXX store XXXX XXXX XXXX XXXX WI per their instructions ( the local spectrum office was closed ). A year and a half later I get a collections notice, I responded with the boxes were returned. No response for months and not they put a collections on my credit report. Simply wrong. I can not find the return receipt as it was over a year ago.
Consumer complaint received 2022-11-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

I am submitting this complaint against PennyMac, the servicer for a mortgage on my primary residence. PennyMac has erroneously force-placed insurance on my property, and I have been unable to resolve the issue with the mortgage servicer directly. The original mortgage amount was {$170000.00}. The current outstanding mortgage amount is {$100000.00}. The current value of the property is approximately {$270000.00}. Therefore, at this time the property has over 60 % of equity in it. 

The property is located in a condominium building in XXXX XXXX, Florida. The property is fully insured to replacement value for all hazards under the condos master policy as required by Florida Statute 718.111 ( 11 ). The attached copy of the Certificates of Insurance for the property evidencing this coverage has been submitted to PennyMac numerous times via fax and email. The coverage amount is {>= $1,000,000} for the 72-unit building, which equates to each unit coverage for {$130000.00} which is {$33000.00} over the outstanding mortgage balance. The latest copy was submitted to PennyMac via email on XX/XX/XXXX, and confirmation of submission was received on that same day. However, on XX/XX/XXXX, a letter was received from PennyMac indicating the coverage information had not been processed ( see copy of letter attached ). As a result, forced-placed insurance in the amount of {$25000.00} was placed on my property on XX/XX/XXXX at an exorbitant cost of {$1500.00} ( copy of Forced Insurance attached ). 

I contacted PennyMac several times by phone and email to discuss the misperception that my policy was not fully insured according to Section 5 of the recorded mortgage, copy attached. I contacted PennyMac by phone on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and spoke to agents for nearly one hour each time. I also contacted the servicer by email XX/XX/XXXX and XX/XX/XXXX. During each contact, I advised PennyMac of the existence of replacement value coverage and my ability to self-pay any damage in excess of that amount from personal cash reserves. However, the company refuses to remove the forced policy and continues to indicate my unit is underinsured. Assistance is requested to resolve this costly misunderstanding.
Consumer complaint received 2022-11-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (GA)

1. I never did business with this company, CCS. Nor did I give anyone written permission to put anything on my credit profile. This company have no permissible purpose withmy private or personal information 2. Company failed to validate this account with a consumer application, a statement showing last payment made, charge-off statement and my signature ; a printout of the amount owed is not sufficient. 
3. This account is in collection activity and CAN NOT be reported to any CRA per FDCPA. 
4. Spoke to a rep at CCS, she stated letters was returned to the collection agency as '' undeliverable '' which this agency did not fulfill the requirements by law. 
5. This company was not able to prove it updated the address and delivered the notice as required by law and had an incorrect address at the time of placement.
Consumer complaint received 2022-11-12
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. (MO)

Despite the multiple written letters I sent to the XXXX Credit Bureaus, my attempts to request for proper verification and deletion of the fraudulent information on my credit report has been ignored. The last letter I sent to Experian, XXXX, and XXXX Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Also, hey have failed to comply with the FCRA section 605b and have been claiming that the disputed items are verified and accurate. The following Fraudulent Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that by submitting this CFPB Complaint, the Credit Bureaus may be able to help me and have these items deleted as soon as possible. Here is the list of accounts and information that should be removed as soon as possible : XXXX XXXX XXXX XXXX, MO XXXX XXXX  date of inquiry XX/XX/XXXX XXXX date of inquiry XX/XX/XXXX