davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXX never gave me a chance to settle, cure the debt before reporting to all three major credit bureaus. 
Causing a negative impact to my credit score, dropping score XXXX points I had an exceptional pay history of over eight years never late never missing a payment on all three credit bureaus, Equifax, XXXX XXXX and XXXX. I was never notified that. 
the account was sent to or transferred to collection. Account was paid in. 
full and closed, because I moved, and XXXX services was not in the area for service I had moved from XXXX to XXXX XXXX miles I haven't had time Or reason to check any email Especially from a bill that I assume was paid and closed. I found out through credit reporting product, that I paid for each month alerting me that my credit score has dropped XXXX points. XXXX failed to give written notice of the debt and fell to validate the debt when requested. After filing a dispute with XXXX credit reporting agency, they fell to remove the collection off my credit file, which will stay on my credit for seven years.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2023-07-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

Account name XXXX XXXX XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$620.00} written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$350.00} Highest balance {$620.00} Terms This should no longer be on my credit its past 7 years
Consumer complaint received 2023-07-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

Debt collector trying to collect debt that I do not owe. Debt collector has no other information other than my mailing address. I tried to submit a form to dispute the debt but the website tries to force me to download software. Credit Collection Services XXXX XXXX XXXX XXXX MA appears to be a scam company trying to collect a fake debt.
Consumer complaint received 2023-07-05
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants Credit Corporation (WA)

The debt isnt mine and has been placed in collections on my credit report.The company refuses to remove the account placed on my credit report and i would like the collections removed .All debt is already paid so therefore no debt will be tendered.HJR 192 All Bills Are Prepaid sand obligated by the Government,15 U.S.Code 1605 - finance charge defined and what is all included.16 C.F.R. 433.1 ( d ) - purchase money loan. 
Company got a cash advance for using my social or credit card.15 U.S. Code 1662 ( b ) -mixing cash with consumer credit transaction.UCC 1-308 All Rights Reserved 15 USC 1681 Consumer Protection.15JUS1602G We are the Creditors,95 USC 1666B No such thing as a Late Payment. 
FCRA 15 U.S.C 1681s-2 ( a ) ( 1 ) a
Consumer complaint received 2023-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NV)

On XX/XX/XXXX, I asked my father to deposit a check in my checking account to bring my account current. He deposited the check. I went to a local Chase branch in XXXX XXXX XXXX on XXXX and XXXX XXXX and asked a teller if there would be a hold on the check. I was told by the teller that there would not be a hold and that the check would clear on XX/XX/XXXX. 

On XX/XX/XXXX, I logged into my account and there was a hold on the check. I then drove to the Chase branch on XXXX XXXX in XXXX XXXX, NV and inquired with the teller as to why a hold was put on the check. I was told by the teller that the check was on hold until XX/XX/XXXX. I inquired into the reason when there was no initial hold. He told me he didn't know why and that I would have to call the XXXX XXXX number. I then asked him if I could close my account. I was told that I could not close my account because of the pending check. I asked if we could have the check back since it didn't clear so my Dad could send money by other means and I was told that I couldn't. I then left. 

I called the XXXX number from my car and explained the situation to customer service. I was told that I had to speak to the Check Clearing Dept. After being on hold for 20 minutes, I was told that the reason the check was put on hold was that " XXXX XXXX flagged the check and stated to not clear the check. '' I was told that I would need to contact the person who gave me the check and have them contact XXXX XXXX as to why it was flagged. I then texted my Dad to find out if he had an issue with his bank account because Chase was stating that the check was flagged. He looked online on his account and the check already cleared on XX/XX/XXXX. We then called XXXX XXXX and were told that they never flagged the check nor did they state to not clear the funds. They stated the funds were already sent to Chase. My Dad filed a claim with XXXX XXXX regarding the matter. The claim # is XXXX. 

I then contacted Chase again via email to try and get some kind of clarification why they would state that XXXX XXXX did not clear the check when it already cleared. I received a canned email message from Chase stating there are many reasons checks do not clear but still no reason. At this point, I am receiving multiple emails a day from Chase stating my account is Overdrawn yet they will not apply the funds to my account. In addition, they continue to charge me fees even though they had received the funds. They also will not allow me to close my account. This situation has resulted in me not being able to buy food for my family or be able to pay my mortgage. If I had been made aware that there was going to be a hold, I could have gone and cashed the check somewhere else.
Consumer complaint received 2023-07-04
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. (TX)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2024-02-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Specialized Loan Servicing Holdings LLC (CA)

This loan servicer Specialized Loan Servicing ( SLS ) took over this HeLOC years after it was originated in XXXX. XXXX XXXX XXXX, the originator went bankrupt in XXXX. The original amount was {$150000.00}, it is now over {$300000.00}. I filed a lawsuit last summer, citing violations and my attorney said that the one your statute limitations that I had to file had passed. I knew nothing about the one-year statute limitations that lenders enjoy while they have a 30-year statute limitations to enforce mortgage paper that private investment groups buy up for pennies on the dollar. I was forced to sign a settlement agreement saying that I would not sue them. I Now face and looming sale date, and although they have offered me loan mitigation, the down payment that they are requiring is outrageously high. They referred me to a lender that they are referring to many of their files that are in similar status that can refinance my first and second into one loan. In my discussions with this lender, I was told that I do indeed qualify for financing according to my income and credit, and the loan-to-value ratio, but because the title is showing this SLS foreclosure, this potentially new lender will not take action. SLS could rescind the sale date so that I can have time to qualify for this take-out funding. They have just lied and waited until there's enough equity for them to swoop in and force my wife and children out of our 24-year family home. Some enterprising attorney needs to file a class action against these predatory loan servicing companies that simply play the game of " extend and pretend ''. I will be able to meet some kind of mitigation arrangement with them if they will give us the time to gather the resources.
Consumer complaint received 2023-07-05
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)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

As a victim of Identity theft I have asked TransUnion and XXXX to block this information. I have sent over three times id theft affidavit, FTC theft report, Police report showing the thief was arrested for using my information and showing I never lived in XXXX  police report clearly states they arrested victim that lives at XXXX XXXX XXXX and that I contacted them from XXXX to let them know that wasn't me. She has been arrested three separate times for using my identity and charged with false information to police officer. Her ID in XXXX shows a different height XXXX inches shorter than my license and XXXX thinner .I have submitted all this documentation to both credit reporting agencies Three different times with only small results XXXX did there research and removed all items I'm asking that TransUnion and XXXX do there research and block these Items as well I can fax over all documentation needed it's only allowing me to upload one document
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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.

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.

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.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

5 ) Treatment of inaccurate or unverifiable information  ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

I asked the bureaus to provide the following concerning an account they are reporting 1.the original contract 2.payoff disclosure 3.interest rate disclosure 4.balance history 5.payment history 6.credit insurance 7.Charge off date ACCOUNT I REQUESTED THIS FOR : XXXX XXXX. UNVERIFIED I requested these in XXXX of 2023. It is now XXXX. 
They have failed to follow the laws that govern reporting by refusing to delete the account due to the inaccuracy of the past due status and the last date of activity as well as failing to provide by law what I requested.
Consumer complaint received 2023-07-04
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. (PA)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Dear Equifax, XXXX XXXX XXXX I submitted a request for investigation under FCRA 611 ( a ) to Equifax regarding the following accounts on my credit report : XXXX XXXX  XXXX XXXX Account Number XXXX, First XXXX XXXX- Account Number XXXX, XXXX XXXX- Account Number XXXX, XXXX XXXX XXXX- Account Number XXXX In response, I received a letter stating that the information was " VERIFIED ''. However, I am requesting physical documentation to support how this information was verified, as Equifax has been reporting unverifiable and inaccurate information on my credit report, which has damaged my credit score so bad that XXXX cant even get a credit card or a loan in my name. 
Under federal law, information reporting must be 100 % verifiable and 100 % accurate. As such, I am requesting that Equifax delete this erroneous information from my report. Please do not " update '' or " verify '' this information again without conducting a due diligence investigation.

I am requesting that Equifax provide me with written contract and physical documentation supporting the information being reported on my credit report via USPS mail, as screenshots and medical statements will not suffice. THIS DEBT IS NOT MINE, and I require verification with my actual signature on a contract.

I value my credit score, and I believe that it is being unjustly degraded as a result of this unfortunate error. I am not requesting a template response to this letter and require specific answers to the questions asked of Equifax. Please note that I intend to pursue legal action if this matter is not resolved. 
I would like to remind you of XXXX XXXX XXXX Information XXXX XXXX XXXX ( XXXX ) and XXXX XXXX Equifax Information Services LLC XXXX XXXX ), where consumers won their case against the bureaus due to their lack of reasonable investigation of the dispute. I trust that Equifax will do the right thing and investigate this matter thoroughly. If you can not provide proof that the debt is valid, I request that you delete the information from my credit report. 
I expect a response within 15 days of receipt of this letter. Failure to do so will result in the permanent expunging of the item in question from my credit report. 
Best regards, XXXX XXXX
Consumer complaint received 2023-03-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (OH)

i wire the sum of {$13000.00} to a XXXX Account on XXXX of XX/XX/2023 my bank said the XXXX received the money at XXXX, with the reference number of XXXX the XXXX account did not receive any money and my bank has refused to say where my money is now my bank have closed my account, please help me resolve this issue if they have closed my account, they should send a check of the amount to my address
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I've had a freeze put on my credit report yet somehow a hard enquiry was allowed to be put through by CAPITAL ONE and XXXX XXXX XXXX on XX/XX/2023. Before I had a freeze put on my credit an enquiry was made by KOHLS/CAPONE on XX/XX/2023 and CAPITAL ONE on XX/XX/2023. All these are a result of fraudulent activity as I have never applied for credit from any of these institutions.
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

I received multiple emails about a Capital One credit card that I never applied for. Then, I received the actual card in the mail on XX/XX/23. I called the Capital One fraud department and told them to cancel the card immediately b/c I never applied for it. They said they would and would report it as fraudulent to the 3 credit reporting agencies
Consumer complaint received 2023-07-06
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. (SD)

In accordance with the Fair Credit Reporting act XXXX AccountXXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX  XXXX XXXX Bank XXXX XXXX XXXX  XXXX Auto Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX  XXXX, has violated my rights. 

15 U.S.C 1618 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : it Alison states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-07-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

LOANCARE/XXXX  XXXX At the end of XXXX I purchased my home and property. The first payment was due XX/XX/XXXX. The payments were set up electronically to come out of my wife 's account at XXXX XXXX. All payments were made and made on time. During the pandemic a forbearance program was offered to us and we took advantage as the program seemed beneficial. I later found out by calling the company with questions that they only showed one payment EVER being made and that they were attempting to get in contact with me. So after being in the forbearance program for many many months it now shows as a rolling late and has ruined my credit. I confirmed that they had the wrong phone number, mailing address and email on file. I explained that ALL payments prior to starting the forbearance were paid on time. I also asked why they wouldn't have informed me that there were any payments that showed unpaid. After attempting to get answers and following their direction to send proof of payments in which took 3 different times mailing and also faxing, I wasn't able to gain any ground with them. In the meantime the forbearance had to be extended multiple times for them to review the documents that according to them takes 45-60 days. I was told that they received the documents then after not hearing anything for 60 days I called back and was told they do not have any documents.This happened multiple times. They were sent certified mail. The stress level has been unbearable as we are about to lose our LIFE home. The have demanded all payments which at time time was over {$130000.00} and is much higher now. We have hired an attorney that has drained my savings account and he has now had any cooperation either. I have even attempted sending a payment in as I was advised and it was returned.At this point I am extremely concerned that we are losing our house because of someone else errors. I really would like to know where our payments went. This is our home and our investment. It has been almost two years and my wife and I had to put off a new roof and other much needed repairs due to the not knowing. As you can imagine we now have water damage because of the delay 's and other issues. There are of course more time-lined details we have recorded when needed. Our attorney was able to move the Trustee Sale Date to XX/XX/XXXX at XXXX XXXX. 

Thank you in advance, XXXX XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.