davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (TX)

PLEASE DO NOT MARK AS DUPLICATE. A PHONE REPRESENTATIVE OF CFPB EVEN TOLD ME TO RESUBMIT. THIS IS A SEPARATE ISSUE. 

To Whom it May Concern : I am writing to address the resolution of two closed complaints, numbered XXXX and XXXX. I do not consider this matter to be resolved and request that Chase Auto Finance correct the negative reports to my credit score.

Firstly, I allege that Chase has breached the contract between us by refusing to disburse the full payment owed to me. Despite multiple attempts to communicate with the company, they have repeatedly failed to pay me and have only made empty promises to credit my account. 

Secondly, I contest Chase 's claim that I have a contractual obligation to furnish the original title. As stated on the Oklahoma title, it is possible for a lienholder to be recorded in the state 's systems even if they are not listed on the title. I had no influence on what was printed on the title and was fully cooperative in adding Chase as a lienholder. It was not until months after Chase 's refusal to disburse the loan that we became aware of a potential mistake with the title. 

Furthermore, I take issue with the negative remarks on my credit score regarding missed payments. It has been years since Chase representatives promised to post a credit to my account, and in the final months of the loan, the credit owed to me exceeded the amount I owed on the loan. Without any prior communication, I received a check in the mail from Chase, instead of the promised credit. As a result, Chase falsely reported late payments to credit bureaus. It is worth noting that Chase 's disbursement was approximately five years late, yet they have the audacity to claim that my payments were late. 

Based on the above, I stand by my allegations of fraud. It seems that Chase had no intention of disbursing the loan as promised until I filed complaints with the appropriate agencies. 

I request that Chase make immediate corrections to any credit reporting services that may have been notified of late payments and correct the negative reports on my credit score.
Consumer complaint received 2023-01-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (TX)

Hello I requested a refund from my student loan payment I made XX/XX/XXXX. Which was during the pandemic, so I requested a refund with my federal student loan services Aidvantage XX/XX/XXXXXXXX. I called the every 3 weeks since my initial request and no update besides my balance being updated on XX/XX/XXXXXXXX I keep getting the same response from customer service saying its process buts its been 10 weeks. They said after the balance is reinstated theyll mail the check to my address listed on my Aidvantage account. Can you please expedite the check to my address on my Aidvantage.
Consumer complaint received 2023-01-13
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. (CA)

Notice to XXXX to cease and desist from reporting XXXX on my consumer report because it was done without my consent. This is a violation of my privacy and identity theft. 

In 15 U.S. Code 6801 - Protection of nonpublic personal information, according to the US Congress : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

As provided under 15 U.S. Code 6802 every consumer has the right to privacy. And they should be given the option to opt out of disclosures. I have notified XXXX to cease and desist from furnishing nonpublic personal information to all CRAs. Failure to delete this item is a violation of my consumer rights laws. This is a secondary notice to Transunion to delete this item immediately from my consumer report. Failure to do this is a violation of my consumer right.
Consumer complaint received 2023-01-13
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. (PA)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2018-03-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (IL)

I fell behind on my mortgage for two months and attempted to make up a payment arrangements with the company ; however was unsuccessful. When I made a payment, it was returned to me. I received a letter from their lawyer stating that I was in default and property will go into foreclosure if full arrears wasn't paid. I did not have the monies to pay the amount in full. When I called the lawyer office, they did not have a resolution for me other than pay the amount. I called the mortgage company and they suggested that I attempt to apply for a loan modification. I completed the application with the help of Neighborhood Housing Services of XXXX. I received a court date. Filed my answer and appeared in court. Court appointments lasted from XX/XX/XXXX to XX/XX/XXXX. I completed the full application about five times and additionally, continued to send them additional pay stubs, bank statements, hardship letter repeatedly every month. I kept in constant communication with the lawyer who all documents were sent directly to ; however, every month I would receive a letter stating that my modification package was incomplete. Every court appearance was dealing with documents that they did not receive hat I had fax confirmation to sending to the lawyer office. The judge lost his patience and dismissed it for myself and the bank to complete. I felt that filing Chapter XXXX was best to save my home but I would like for a fair chance at modifying the loan and dismissing the bankruptcy. I feel that I was not treated fairly. The communication between the mortgage company and myself was very poor and I feel as if I was given the run around from the beginning. My plan is to remain in my home. I now have sufficient income to sustain ; however, I can not afford to pay the bankruptcy and mortgage and maintain my home. I do not want to lose my home.
Consumer complaint received 2023-01-13
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. (CA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  card services XXXXXXXX XXXX card services XXXX, XXXX financial account : 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 the information is inaccurate. 

Under pandemic, and natural disasters they failed to provide relief or subsidy payments.
Consumer complaint received 2023-01-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: RFNA, LP (FL)

I agree to a loan based a check received by mail that once deposited you agree to terms and conditions. I was instructed to download mobile app and you could create account online Republic Finance.com to view your account details and make payments. The problem I have been addressing since XX/XX/XXXX when I made my first payment greater than the required XXXX XXXX  monthly. I have been paying more than this amount to payoff loan sooner. I can not understand why my account only displays payments only and nothing more. I have call over 3 times and again today XX/XX/XXXX about not being able to see how my money is being applied to interest and principal. I've been total conflicting information from technical problems, a supervisor going call you, mail information, supervisor call me back on and on. I have NEVER dealt with a loan servicing company who can not provide me with this simple request that does not display by way of Republic Finance website or Mobile app. The only thing showing is my payments and payment date and balance. The balance does not automatically update after making payment. I make extra and additional amounts over my monthly payment. I am paid ahead through XX/XX/XXXX. Today, site show a payment due of {$38.00} so I paid {$40.00}. My balance went from {$3000.00} to {$3000.00} after paying {$40.00}. Now it shows a payment due of {$190.00} due XX/XX/XXXX. (??? Why did the amount due increase ). Again I am requesting an amortization showing the original loan amount, payments applied to interest and balance thereafter. Why is Republic Finance reluctant to send me this information because it is now shown on the website or App. No more excuses about technical problems, will mail, supervisor will call. Lies since XXXX and it is year XXXX, I still do not have the information. I strongly feel something fraudulent is going on. I demand to see how my money is being applied. Please mail me this information that I was told over 3 to 4 times. Today Agent told me a supervisor will call me, really? You verified my address etc. and to date nothing. My account XXXX. XXXX XXXX XXXX commerce XXXX, XXXX XXXX, XXXX XXXX XXXX, ( XXXX ) XXXX.
Consumer complaint received 2023-01-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (AZ)

Mortgage bought out XX/XX/22. They have screwed up my payment every month by continuing to send the wrong account number. I have talked to at least 4 people giving and re-giving the correct number yet every month it is returned for incorrect account number by my bank. Today the person helping me said they only see one request for account number change, I have made 4-5 on the phone, changed it on the online site and even sent forms through to the mail. I have never had this type of problem before and feel that this could eventually damage my credit or that I am at risk for loan issues in the future. Also I get no timely correspondence and have to just monitor my account for payment confirmation.
Consumer complaint received 2023-01-13
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. (GA)

NOTICE OF DISPUTE The following accounts need to be deleted. The negative remarks from these were reported in bad faith, thus preventing me from obtaining credit so I can take care of my family. * XXXX XXXX XXXX opened XXXX XXXX, * XXXX XXXX XXXX opened XXXX XXXX XXXX, * XXXX XXXX XXXX XXXX opened XXXX XXXX XXXX, * XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, * XXXX XXXX XXXX  XXXX opened XXXX XXXX, XXXX. * XXXX XXXX XXXX XXXX opened XX/XX/XXXX. * XXXX XXXX XXXX XXXX, XXXX. * XXXX XXXX XXXX opened XXXX. XXXX, XXXX.
Consumer complaint received 2018-03-29
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Someone took over my lease at the XXXX XXXX XXXX complex. And the new tenant has an overdue bill so now the apartment complex sent a collection agency after me. The collection agency failed to contact me and damaged my credit without telling me about the debt or trying to resolve it with me first. I had to find out from XXXX XXXX. Even though I signed a lease-closing document when I moved out that stated I wouldn't be responsible for any debt the new tenant will accumulate. Now the apartment complex has accepted their wrongdoing and removed it from my credit but I lost 22 credit points because of this derogatory mark and gained none after the error was removed. I was planning to get a car loan and did not get the rate I wanted because of this. I asked XXXX and TransUnion both to do more research on my score to repair it and they did nothing.
Consumer complaint received 2018-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION ()

I received a letter from Capital One explaining that they were closing my account due to a violation of my credit card agreement. Capital One failed to mention the violation I violated and when I contacted them, they failed to provide me with any information but informed be that I owed an outstanding balance of {$36.00}. I feel the reason they closed my account because they looked at my address and probably assumed the based on the area I lived in that I would not be able to afford or pay the credit card. Capital One have refused to respond to my letter and have not given any information over the telephone and refusing to return my security deposit for the credit card.
Consumer complaint received 2018-03-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

I always pay my loan on time threw auotmactic billing. XXXX sold my account XXXX and they never notified me. I look on my credit report and it says im late 3 months behind. Now call XXXX and they said they cant help me take it up with XXXX loan. I still have to pay. Thats very unfair
Consumer complaint received 2023-01-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2018-03-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (VA)

On XX/XX/18, I received a " Pre-Legal Notification '' from XXXX XXXX XXXX XXXX XXXX stating that I owed {$2400.00} on an account ( reference attachments ). I never had an account with the original creditor, XXXXXXXX XXXX, and am not aware of any previous attempts by XXXX XXXX XXXX XXXX XXXX to contact me. I also confirmed through my credit report agency that there were no previous credit inquiries regarding this completely inaccurate account information.
Consumer complaint received 2023-01-13
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. (TX)

Hello, The following accounts listed below do not belong to me. 
Please remove both accounts completely from all three credit bureau 's. 

XXXX XXXX  - Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Thanks in advance for your assistance regarding this request. 

My contact information is as followings : XXXX XXXX XXXX Mobile phone : XXXX
Consumer complaint received 2023-01-13
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: Experian Information Solutions Inc. (CA)

MY NAME IS XXXX XXXX AND I NEED TO SUBMIT A COMPLIANT REGARDING A LATE PAYMENT REPORTING ON MY CREDIT FILE. XXXX XXXX SAID I WAS LATE FOR THE MONTH OF XXXX AND I HAVE PROOF SHOWING I MADE A DOUBLE PAYMENT. MY PREVIOUS COMPLIANT WAS CLOSED WITHOUT A VALID REASON SO I'M SENDING IT AGAIN. I ALSO LEARNED ABOUT THE HERO 'S ACT AND THERE ARE NOT SUPPOSE TO BE ANY LATE PAYMENTS REPORTED TO CONSUMERS REPORTS DURING THE PANDEMIC SO WHY IS THIS REPORTED?
Consumer complaint received 2023-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (DE)

Citi has been engaged in deceptive and illegal representation of amounts due, to customers. In the last XXXX months, my statements have been assessed interest when my entire account balance was at XXXX XXXX, AutoPay withdrew more than what was due on my account and now Citi is understating the balance on my account on Page 1 of the statement itself. This is illegal and deceptive and pattern of Statements, Pricing and consumer credit gone wild. 

My latest statement indicates a balance which is several times lower than what is the actual balance on account.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

I recently pulled my credit and notice an account that was showing up as a charge off. I knew this was inaccurate, so I sent XXXX XXXX a letter to investigate this back in XXXX of XXXX With their investigation they updated the account and removed the balance they were reporting, as well as they sent me a refund check on that loan ( which was the same amount that they showed I owed. ) So obviously it was inaccurate. Then I sent a letter in XX/XX/2022 to EXPERIAN to investigate the account because EXPERIAN is still reporting it as a charge-off in the payment status. There has been no update, no investigation and this error is harming my ability to finance a home. The account was never charged-off. I have included The letter I sent to them, a copy of the check they sent me for the refund, and the copy of letter I sent to EXPERIAN. A PROPER INVESTIGATION, NOT JUST VERIFYING THAT THE NAME AND ADDRESS MATCH, THE ACCOUNT IS REPORTING CLOSED, SO DO NOT RESPOND WITH WE VERIFIED THIS ACCOUNT AND THE ACCOUNTS REPORTING CORRECTLY .... BECAUSE IT IS NOT REPORTING CORRECTLY.