davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-06
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: EQUIFAX, INC. (MI)

XXXX XXXX XXXX has used my credit improperly. After reviewing my credit, it was reported 2 late payments. One late payment was XX/XX/2022 and the other late payment was XX/XX/2022. In accordance with the Fair Housing Credit Reporting Act-XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602A, States I have the right to privacy. 15 U.S.C 1681 Section 604A section 2, states consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2020-07-22
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: Westlake Services, LLC (FL)

On XX/XX/XXXX I visited XXXX XXXX to view a car that was listed for sale. When I arrived I showed them the vin number and stock that I wanted the sales associate did not have the vehicle I wanted. They then said they would show me other vehicle. I decided not to do business with them. They did however informed me that due to me wanting to finance the vehicle they ( car factory ) needed to run my credit but would not submit it to other financial institutions as they do in-house financing. I agreed. However on my credit report it shows 2 other inquiries that I did not authorize. Westlake and XXXX XXXX XXXX I called XXXX and was told I could not dispute it, I had to reach out to the company. However when I did I was as not helped as they could not find my information in the system. I would like some assistance in having these inquiries removed as I did not authorize them
Consumer complaint received 2018-07-10
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: Experian Information Solutions Inc. (UT)

XXXX XXXX XXXX {$9300.00} The below item is being reported as an outstanding debt on my credit report. the original debtor has requested that the credit agency remove the negative mark from my report as this debt was settled with them about 9 months ago. 
I disputed this item through the website and after 93 days i still have not received an update on the investigation. when i called the credit agency for an update, they stated that a " glitch '' in the system caused my dispute to get sent to the wrong creditor. a week after and 100 days after i submitted my request for an investigation, my report started reflecting : Dispute resolved and i was sent a letter stating that the item was reporting correctly. 
the credit agency took over 100 days to investigate my issue no communication or updates were sent to me regarding my dispute for 93 days XXXX XXXX XXXX {$9300.00}
Consumer complaint received 2023-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : 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.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-18
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (CA)

Over the past week, I have received 4 phone calls from Transworld Systems Incorporated ( TSI ). When answering the phone, they have asked for my wife 's name but do not identify themselves until asked, the reason that they are calling, or leave a voicemail. Upon looking up their information on XXXX, they are a debt collection agency based out of XXXX XXXX, California. In addition, we have no debts that are owed. They have used phone numbers ( XXXX ) XXXX & ( XXXX ) XXXX.
Consumer complaint received 2019-07-18
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. (GA)

i've all ways paid my account on time i spoke with someone at the bank in regards to this matter he said billing errors they fall off eventually and that it wouldn't affect my score, But it did. ones I checked my credit its effected my on time payment, its now 98 %
Consumer complaint received 2021-06-02
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: Sunlight Financial LLC (CA)

I met spoke with a sales person from XXXX on XXXX XX/XX/2021 to obtain a quote for Solar panel installation. At no point was it discussed that I required a loan as I intend to purchase outright. When the sales person asked to confirm my social security number I questioned him on why that was needed. I advised I did not want any loans or any enquiries made on my file. He assured me it was for an identity check and to ensure I own the property. 

I was alerted by XXXX on XXXX XX/XX/2021 about 2 new credit enquiries. 
- XXXX XXXX XXXX - XXXX XXXX XXXX I spoke with the sales person immediately. He advised that he wasnt sure why his team had done that and assure me he didnt request any loans for me. Ive spoken with XXXX 3 more times in the past 2 weeks but Im still yet to get a response other than were looking into it. 

On XXXX, I spoke to XXXX and placed a fraud block on my account. They advised that someone would call me to discuss the enquiries but Im yet to receive a call. 

I attempted to call the numbers provided by XXXX for the 2 companies responsible and they went to an IVR that didnt allow me to get to an operator. 

I found the numbers online for Sunlight Financial who operate the XXXX XXXX XXXX and XXXX XXXX XXXX loan program and they confirmed that XXXX had submitted loan requests on my behalf. I requested that this be investigated and reversed as I had not requested any loan or authorized my credit report to be shared with any lender. The operator said they would investigate the issue and get back to me. I did not get a return call so I called them again a week later and I was advised that my account was noted with the information but it hasnt been dealt with yet. I requested that it be escalated but as of today I still have not received any update or return call.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I have been attempting to get pre-approved for housing. The mortgage company i am working with needs access to my credit report through Equifax, but had received errors claims the account/report is fraudulent for whatever reason. I have called Equifax over a dozen times now to resolve this matter. I have verified my identity countless times, sent three faxes to numbers they provided. I am still no closer to removing the freeze or error on my account that caused this problem to begin with. The customer services agents I've spoken to, none of which were from the United States, have been extremely unhelpful. They talk in circles and direct me to solutions that are dead ends. This has been going on for around month now and I can not afford to wait any longer. I needed this done weeks ago, and I'm still wasting hours every day trying to get it fixed with no help from Equifax itself. I'm still unclear what the error even is, but I have tried in countless ways to correct it. Needless to say I'm very frustrated with Equifax and their customer service, and do not have the time to waste on any other fruitless phone calls and faxes they will claim they never received. 

Below I have attached one of the three faxes I have sent. It has been redacted to remove peroneal information. Though I can send an unredacted version if that is needed.
Consumer complaint received 2020-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (MD)

I am a member of the XXXX XXXX XXXX overseas to the XXXX XXXX. I am stationed in a location where I can live in an apartment and drive around the local area. I recently purchased a car from a friend who was returning home. We agreed to {$5000.00} for the car. I attempted to use Chase bank 's XXXX transfer service. The transactions are limited to {$2000.00} using this service, which is fine. I submitted the first payment without any issues. However, the second payment of {$2000.00} apparently flagged my account for " suspicious activity. '' I was able to call, verify my pin, debit card number, and card code. As far as I know, the payment was successful. I was assured over the phone that future payments would not be flagged. Unfortunately, the third payment of {$1000.00} was again flagged. This time, Chase is telling me I must appear in person at a local branch. That is impossible given that I am in the XXXX XXXX and they have no branches here. Their solution is that I call my banker. However, I do not regularly bank with Chase. I am a XXXX member, but I use Chase to process rent and mortgage payments from properties I own. Therefore, I do not have a " relationship '' with a specific banker. Their demand is completely unreasonable and discriminates against military members. There are sufficient technologies available today to verify my identity. Additionally, with the lock in place, I can not withdraw my funds and close my account. This is simple Chase refusing me access to my funds. I hope the CFPB will be able to help me resolve this issue.
Consumer complaint received 2017-11-03
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)

I noticed on a credit report i requested from TransUnion dated XXXX XXXX XXXX that there were several names and variations of names and names which obviously belong to somebody else all attributed to me. There were also several addresses where i have never lived listed as my addresses. There were also several phone numbers which do not or have never belonged to me. I contacted TransUnion on XXXX XXXX XXXX requesting that they correct the incorrect information. On their response dated XXXX XXXX XXXX, i notice that they have not corrected the incorrect names and infact they have added a new name which obviously belongs to someone else. I also had requested that TransUnion remove several accounts from XXXX XXXX XXXX listed as can be considered negative since by The Fair Credit Reporting Act ( FCRA ), accounts that have been settled should be removed seven years from the initial missed payment that led to the delinquency. This is the case but the accounts continue to remain open as " considered negative ''.
Consumer complaint received 2021-01-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (MD)

On the XXXX of XX/XX/2021, my account was phish scammed and they removed {$2500.00} from my account through XXXX, as they attempted to call me from XXXX XXXX XXXX, without my knowledge or consent. I called Citibank as soon as I noticed and put in claim for the issue, Reference - XXXX They didnt make any attempts to contact me or freeze my account when the scam went and charged my account 20 separate times for amounts of {$120.00}, in fast successions. They did nothing to stop these transactions or notify me. 

Another call was made to my spouse who is on the joint account, but asking for me, and about the situation. Another phishing attempt, and I reported this to, to Citibank instantly with numbers, and contact information, that I do not have on me at the moment, but have the Reference number for the claim - XXXX Over a week passed, and on XX/XX/XXXX, I contacted Citibank, wondering where my funds were, as I could no longer pay bills now because my entire checkings was removed. They informed me the claim had been denied, with no other information online.
Consumer complaint received 2021-01-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (CO)

Hunter Warfield took collection from my former leasing company XXXX at XXXX XXXX. Despite the fact the XXXX had my email and I left a forwarding address they never sent me a bill. I was totally unaware of the amount owed until I started receiving frequent and aggressive calls from Hunter Warfield. I informed them that I have never received a bill or any type of notification from XXXX at XXXX XXXX before being turned to collections. The collector Hunter Warfield had been calling me for months before they finally sent a summary of an amount owed with no details. I have been unable to validate the bill or what I am even being billed for to date. I informed Hunter Warfield that refuse to make payment on a bill I am unable to validate. I also don't think I should see credit impact without first being informed what my charges are for in detail. I was never even given that chance to resolve the bill with XXXX and now am unable to substantiate charges to work on resolution with Hunter Warfield and in the mean time I continue to be charges interest and have my credit negatively impacted with no real means of solution.
Consumer complaint received 2017-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

I have a bank of America credit card with a XXXX credit limit. 

I made a payment online of {$4500.00}, but I accidentally typed {$45000.00}. 

BoA let the payment go through ( which seems crazy - what if i typed in $ XXXX ). 

Oh well, my bad. This overdrew my checking account by approximately {$40000.00}. I immediately called BoA and told them cancel the payment and send the money back. They said they " sent the money back '' to my checking account. The credit showed up min my bank the next day. All was good. 

A day later, BoA AGAIN debited my account for {$45000.00}. when I called BoA the second time, they said that they are have to run it twice and that they will not stop trying to clear the {$45000.00} from my account. 

This was news to me. The first time I spoke with BoA they they DID NOT tell me that they would try to run it again. If they did, i would have put a " stop pay '' on it with my bank. 

I spoke with XXXX at Bank of America on XXXX around XXXX AST. 

Be careful paying your bills online with Bank of America. Their system is flawed and does n't ' have you review the amount you are paying. And if you enter the wrong amount, they will not actually let you correct it - they will lie to you and tell you it 's corrected, but then they say " oops, sorry the person you spoke with last time told you that. There is nothing we can do. '' I think they did this to encourage me to open a checking account at BoA.
Consumer complaint received 2017-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Presently, while the account is showing a XXXX balance, it is reporting that it was 180 days past due. The account WAS NEVER 180 DAYS PAST DUE. The previous loan servicer did not correctly apply loan forgiveness paperwork in XXXX. I was not notified of this until XXXX. After repeated attempts to get this fixed, and threaten legal action, the previous servicer XXXX XXXX XXXX XXXX transferred this loan to XXXX XXXX XXXX. In doing so, they still failed to have the paperwork correctly entered. Upon Transfer, the XXXX XXXX XXXX. applied paperwork, but still reported the loan as 180 days delinquent, which is completely false. This needs to be resolved, as the account was never late!!!!
Consumer complaint received 2023-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX account number # XXXX XXXX account # XXXXXXXX XXXX account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX 15.U.S.C 1681 section 602 A.states I have the right to privacy 15. U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction 15. U.S.C 1681C ( a ) ( 5 ) section states.no consumer reporting agency may take any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime 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 2017-11-03
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Performant Financial Corporation (OH)

I have been paying on a student loan from XXXX XXXX XXXX XXXX for 28 years. I have records of all my payments which totals {$57000.00} The original loan was {$17000.00} onXX/XX/XXXX1991.
They say that I still owe {$38000.00}.
They are going to take my tax refund and garnish my wages very soon if action is not taken.
I have repeatedly written letters, applied for XXXX  Forgiveness with no results.
They have turned the loan over to a collection agency ; Performant Recovery Inc. which I have also written and received the same reply, that I still owe the money in question.
PLEASE HELP!!!
Consumer complaint received 2017-11-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caneel Capital, LLC (CA)

in XXXX I purchased a property, with 1st TD and 2nd TD. I was deceived, and my payments went to high. and I could not afford making payments on 2nd TD, I looked assistance to get a Loan Modification with 2nd TD, and 1st TD as well. 
lender of the 1st TD, they provided a Loan Modification, I am current with them now.for several years. 

on the 2nd TD, this loan has been sold several times, almost every company who had it, did not pay attention to my request for a Loan Modification. 
Because i did not have any resolution on my request for loan modification, I have not made any payments on it. 
The current company who owns the account is Trinity Financial Services LLC, on or about XXXX XXXX, XXXX, they started to collect for this account, i spoke to them, and nobody paid attention, then I went to a XXXX XXXX  HUD approved, who previously helped me to get a Loan Modification on the 1st TD, and on approximately XXXX XXXX, they helped me to submit a Loan Modification Package to Trinity Financial. 
They received the package and eventually they requested more income documents and more explanations, which I submitted. It has been taking very long time, and no decision, they took the file to Upper management to get an approval, they review the file, and requested more documents, which I submitted, they did not respond, i had to call every week to see if any decision. 
There are many other actions/activities that looks out of order, and would like to show you, that this company is not complying with Federal Lending Regulations. 
In future correspondence i can provide more information on this matter. But just as an example they denied me and Appeal to their Decision. I was told that after a Denial, I had the Right to Appeal to the their decision. 

I need CFPB, help, I do not want to loose my property. please help me. 
Thank you very much for now will identify myself as Single Mom who does not want to loose her Property. Thank you
Consumer complaint received 2021-01-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESES COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.
Consumer complaint received 2021-01-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

All three credit bureaus have abused their assumed power of being consumer reporting agencies. The misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus " are not operating with in the boundaries of FCRA and FDCPA