davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi TransUnion I have tried 7 times by fax and phone for you to remove old out dated or just no mine personal information XXXX XXXX XXXX XXXX is law office I never lived there please remove it i did not finish the address for identity reasons but you have it on file. 
inquires 6 remove I did not make these. XXXX WILL BE FORWARDING A LETTER TO YOU BY FAX WITH THE SAME INFORMATION AS THE 7 TIMES BEFORE BUT WILL HAVE A CFPB CASE NUMBER ATTACHED TO IT. the report is XXXX XXXXXXXX XX/XX/2018 update
Consumer complaint received 2018-08-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (TX)

XXXX XXXX has been trying to collect a debt from XXXX and I keep sending letters for them to validate the debt and they wont send the original contract with my signature. It is not my debt and I am filing a complaint for insufficient validation.This took place on XX/XX/2018 in the amount of {$2000.00}.
Consumer complaint received 2018-09-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I purchased a home with XXXX and closed on XX/XX/2011. My mortgage is financed through Bank of America. I have paid an extra {$50.00} every month for the last seven years. I was not initially told about this required payment and every time I call I am told a different date as to when it will stop. Today I was told I signed a disclosure indicating that I would agree to pay this amount for 7 1/2 years. When I asked for a signed copy of the disclosure, I was told their records show that the disclosure does not have my signature on it. I also called Bank of America and was told they too could not find any documents in their records requiring me to pay this fee. I am requesting that the payments stop immediately and I am refunded any and all fees paid to XXXX as this was without my consent.
Consumer complaint received 2018-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX is refusing to investigate and remove incorrect information on my credit file. 


1. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX The account status should be pays as agreed. 

2. The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please delete this account or provide validation information. 

3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX
Consumer complaint received 2018-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Equifax continues to deliver incorrect data regarding the child support account balance is XXXX and payment history is nothing of what they say it is it is too close to cases and the children live with me. This kind of miss corrected information shouldve been taken off my credit report a long time ago along with payment history as there is no current account and the prior payments do not include what is called XXXX XXXX from the court. It is extremely detrimental and although I reached out many times to correct the problem it seems to continue. I have never missed A car payment on the Jeep through XXXX Get one page shows current and the other 30 days late Equifax needs to get their story straight.
Consumer complaint received 2018-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Send feedback via EMAIL since I am traveling and a hard copy to my billing address. 
Capital One does Not have a reasonable feedback process to send complaints to Capital One except calling NO written feedback option as when I content charge and fees it says call and will not allow submittal of dispute. 

Capital One refuses my requests to provide me all credit card charges made internationally with foreign denomination, exchange rate used and fees. 

Each charge is hidden fees and difficult to TRAIN Capital One since they do not have all data available to verify each purchase accuracy. 

Since I'm traveling for 2 months I want all charges since XX/XX/2018, to show foreign denomination, exchange and and fees. 

capital One web PREVENST me from submitting direct feed and always pops ups message to call which I can not do internationally! Any call from a mobile is charged to teh customer and capital One has IGNORED this feedback problem in the past.
Consumer complaint received 2018-09-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (AZ)

After being unable to get any resolution with XXXX, I filed a dispute with my bank, Ally, regarding the charge on XX/XX/2018. I filled out and returned all paperwork requested immediately and the charge was reversed on my account. Out of nowhere, with no notice, three months later on XX/XX/XXXX the charge was reversed overdrawing my account. On top of receiving no notification via mail, email, or online in my account for this reversal ( again this is 3 months after dispute ), I was charged a {$25.00} overdraft fee on s {$5.00} check to the church which I obviously would not have written had I known my account was going to be negative from a dispute that I believed to be handled three months prior. After the bank reversed the credit I attempted to contact XXXX several times and upon no help from them filed a complaint to the XXXX, but XXXX says they cant do anything because theres a chargeback case with financial institution ( ally ) so they cant talk to me and bank needs to handle it. Very shady dispute practices to reverse credit with no warning and Ive still received no communication about it after 3 months and then charge me an overdraft fee on a {$5.00} check the same day you reversed the dispute with no warning.
Consumer complaint received 2018-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (PA)

A purchase was made on XX/XX/XXXX, for a laptop, valued at {$2500.00} USD. The laptop broke on XX/XX/2018 due to motherboard failure and is non-repairable. A claim for the broken laptop was submitted to Chase Card Benefit Services on XX/XX/2018 under their purchase protection flag of services on their Chase XXXX XXXX credit card. 

After this time I submitted all requested paperwork to XXXX, on XX/XX/XXXX they requested additional information. I provided the information on XX/XX/XXXX. Following this they requested additional information on XX/XX/XXXX, and I provided the requested information on XX/XX/XXXX, this is due to me being out of the country temporarily on a work trip and finding a computer repair shop that will write a bill of repair/non-repair in English was extremely difficult to locate. 

At this time the case has been open for over a month, and every time I reach out to their team on the phone they refuse to escalate or say that they've escalated the case and they haven't. 

Purchase Protection link on Chase XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AMERICAN EXPRESS COMPANY (CA)

XXXX American Express served my old residence and sued me won a judgment for XXXX + interest. This was included in my XXXX in XXXX. When I changed the title from a trust into my name in XXXX a lien went on my house. 

This is illegal for them to try to collect. It is illegal for them to record a lien 5 years after a discharge of a XXXX Bankruptcy. This must be enforced and I will never stop with going after them if they force payment. I had an attorney say they will owe me for a lot for sanctions, penalties and court fees if I take them to court. I will also have them pay for my attorneys. I want them to remove the lien in XXXX XXXX court and remove it from my credit report immediately. 

I may start a class action suit if this doesn't go away with countless others.
Consumer complaint received 2018-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX Account # XXXX ( XXXX ), XXXX XXXX XXXX Account # XXXX ( XXXX, Equifax, XXXX  ), XXXX XXXX XXXX XXXX Account # XXXX ( XXXX ), XXXX Account # XXXX ( XXXX, Equifax, XXXX ), XXXX XXXX XXXX Account # XXXX ( XXXX, Equifax, XXXX ), XXXX XXXX XXXX Account # XXXX ( XXXX, Equifax, XXXX ), XXXX Account # XXXX ( XXXX, XXXX, Equifax ), XXXX XXXX XXXX XXXX XXXX Account # XXXX ( Equifax and XXXX ), XXXX XXXX XXXX XXXX Account # XXXX ( Equifax and XXXX ), XXXX XXXX XXXX Account # XXXX ( equifax, XXXX ), XXXX XXXX XXXX Account # XXXX ( XXXX ), XXXX XXXX Account # XXXX ( XXXX, Equifax, XXXX ).
Consumer complaint received 2018-08-04
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. (MD)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX Account # XXXX ( Experian ), XXXX XXXX XXXX Account # XXXX ( Experian, XXXX, XXXX ), XXXX XXXX XXXX XXXX Account # XXXX ( Experian ), XXXX Account # XXXX ( Experian, XXXX, XXXX ), XXXX XXXX XXXX Account # XXXX ( Experian, XXXX, XXXX ), XXXX XXXX XXXX Account # XXXX ( Experian, XXXX, XXXX ), XXXX Account # XXXX ( Experian, XXXX, XXXX ), XXXX XXXX XXXX XXXX XXXX Account # XXXX ( XXXX and XXXX   ), XXXX XXXX XXXX XXXX  Account # XXXX ( XXXX and XXXX  ), XXXX XXXX XXXX Account # XXXX ( XXXX, XXXX  ), XXXX XXXX XXXX Account # XXXX ( XXXX ), XXXX XXXX Account # XXXX ( Experian, XXXX, XXXX ).
Consumer complaint received 2017-05-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Oklahoma Motor Credit Company (OK)

I recently found out that Oklahoma  Motor Company h as sued me after selling my car for far less than what I owed, the car broke down and I took it to their shop as they instructed me, after weeks of calling with no call back or answers, I assumed the car was getting fixed, I then received a letter that the car was sold for {$1000.00} dollars in auction and I owed like {$19000.00}. Then I come to find out that i was sued and then it was dismissed due to lack of service, come to find out that some scandalous process server lied and said he served me, although I was never served, judge dismissed the case and then magically as attorneys do, they got the judgement against me, which in turn will cause me to file bankruptcy.
Consumer complaint received 2018-09-30
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: CORELOGIC INC (CT)

I took a look over my credit report and realize that i have hard inquires from the following companies and i reach out to them about the matter and also sent in a written letter asking that they send proof that i authorize them to run my credit. They respond XX/XX/XXXX with just telling me that they was authorize to run my credit. They did not send and proof like my signature authorizing them
Consumer complaint received 2018-09-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates (TX)

I am in the process of getting approved for a mortgage and was advised I had a collection on my credit report for LJ Ross. I have lived in Texas for almost 4 years now and have never received any notification regarding this bill. When I moved all mail from the post office was set to be forwarded to XXXX XXXX XXXX XXXX XXXX Texas XXXX and then all mailed was forwarded to XXXX XXXX XXXX XXXX Tx, XXXX, all of which are documented with the USPS. Throughout this time I have not changed my phone number from the XXXX. I sent a letter certified to LJ Ross and to date I have not received any response at all. I am requesting that this be removed as I did not receive any notification regarding this and I did not receive anything to have in the mail to give me the right to dispute or have validate this bill. This company has valilated my consumer rights at this point. I have attached the letter I sent and the information saying they received my letter.
Consumer complaint received 2018-09-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (SC)

Paypal close my business account for a vague, unspecified reason, and subsequently is " holding '' my funds ( {$120.00} ) for 180 days " just to cover potential chargebacks. This is an egregious encroachment of my financial rights. I've contacted them multiple times via phone/email, and received NO response or help. The aforementioned account was terminated XX/XX/2018. Paypal generated a " case number '' of XXXX ID : XXXX ... though they automatically consider my " case '' closed.
Consumer complaint received 2018-09-29
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: Nicholas Financial Inc. (FL)

On XX/XX/2018 I was in the process of buying a car. However I was not aware that the company that I was buying the car ran my credit over 15 times with multiple different companies. Consequently no company agreed to finance me due to not showing enough debt to income. With that being said, I still am stuck without a vehicle. So I took it upon myself to write to the different companies asking for favor, second chances and good faith. If they could not find any of the 3 then would they please remove this inquiry so that I will have the opportunity to purchase a vehicle. Thus far several of the companies have worked with me and removed the inquiry because they understand that NO-ONE is going to finance me with all of these inquiries on my credit report. They also apologized for the inconvenience and stated that give it 30-45 days to clear and to find a better paying job then come back and they will try to work something out for me. 

Now my problem is this company called Nicholas Financial Inc. will not budge. XXXX XXXX XXXX has stated in several of the letters that even though they will not finance me, nor give me an option to receive a second chance, they will not remove this inquiry. Then she stated in another letter that all dealerships have the right to pull credit reports even if they know they are not going to finance that person. So what is the purpose of pulling someones credit report when you know that it will hinder their chances in the future. 

I have sent 3 letters, pleading and begging that XXXX XXXX please remove this inquiry. I still need to purchase a vehicle so that i can get to the " low income '' job as was stated in another letter. I still need a vehicle to get to and from period. 

Why is it so hard for you to remove this inquiry? What would happen if this inquiry removed? Who would hurt from your company if you deleted this inquiry? 

XXXX XXXX also wanted me to know, " that several inquiries over a short period of time from the same type lender within a short period of time only affect your credit ''! With that being said, then what is the hassle to help someone out and remove the inquiry?
Consumer complaint received 2018-09-29
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Specialized Loan Servicing Holdings LLC (MD)

Maryland changed the statute of limitation to collect on a Mortgage loans to Three ( 3 ) years from Twelve ( 12 ) years. 
A lender who fail to foreclose on a loan within three years, on an owner occupied property, can not take any LEGAL action to collect the debt. 
the last time according to the lenders record any payment was made was XX/XX/2010. 
They are not disputing the Maryland law, but are not interested in releasing the LIEN The LIEN IS UNENFORECABLE under Maryland law. 
We request them to release the LIEN ASAP..
Consumer complaint received 2018-09-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (NC)

Hi CFPB I am filing a complaint that's related to complaint number XXXX they have change there name on my XXXX from hunters warfield to XXXX   XXXX XXXX. These guys are playing games with my XXXX and credit which isnt fair. I offered for an exchange but they will not send me original proof with my signatures showing its mine. They are playing games by harassing, threatening, using bad language very rude as I was being very respectful and polite. Their also changing the balance and their names on my report on XXXX and XXXX  its showing closed negatively and the name they have is hunters XXXX and on my XXXX its show open and a different name XXXX   XXXX XXXX. I'm just now seeing this on my XXXX under section XXXX under fcra they have violated the statue of limitations this must be removed of all my XXXX credit reports or else it's a {$1000.00} fine for each. This is a complaint I have filed related to complaint number XXXX they keep harassing me wrongfully I almost lost my job when they said I was going to be arrested at my job. This isn't right. 

Thank you cfpb for your hardwork I really appreciate your help.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 1692c ( c ) Account : 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. All of these accounts has violated my rights. Section 1692c ( c ) states that a debt collector must stop contacting the consumer if the consumer askes them in writing to cease all contact. If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.
Consumer complaint received 2018-09-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ARS National Services, Inc. (PA)

I XXXX XXXX do not agree with a collection process initiated against me. There was only a letter from ARS National Services , Inc., stating that they have been hired by XXXX XXXX XXXX XXXX, without proof of transfer. The Federal Trade Commission made it clear in a decision against a national debt collection agency in 2009 ( FTC v. XXXX XXXX XXXX XXXX that a collection must show proof, i.e. a written transfer of information and the right to collect on a debt. My rights have been violated under the Fair Debt Collection Practices Act. ARS has posted a collection on my credit bureaus without first submitting proof that they had the right to collect on a debt. I am not disputing that there was an obligation owed to XXXX XXXX XXXX XXXX, what I am disputing is the egregious act of destroying my credit without going through a legitimate process. I have already been a victim to an FDCPA violation and a violation of the FTC mandate to validate a collection, as well as showing proof that the collection is well within state guidelines where I reside. Since I am a XXXX XXXX member of the United States XXXX XXXX, I take my rights serious, as much as I take my loyalty to the United States. Therefore, I believe ARS should accept a settlement in the amount of {$200.00}, and state on record that any reference to me personally on all pertinent credit reporting agencies to delete all information against me.
Consumer complaint received 2017-05-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CT)

THERE ARE  XXXX  ACCOUNTS THAT ARE NOT REPORTING CORRECTLY AND EXPERIAN WILL NOT ALLOW ME TO DISPUTE THEM
Consumer complaint received 2018-09-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (VA)

XXXX XXXX, ACCT XXXX. This account violates the FCRA because it has been RE-AGED -- the DOFD is incorrect. Original Creditors and Debt Buyers are required to provide correct information within 90 days after it appears on the file. This account has been being reported for years inaccurately. These actions can be construed as fraudulent. As such, the remedy is to DELETE this account in its entirety from XXXX, XXXX  & XXXX.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.