davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-07
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Phoenix Recovery Group (TX)

Theyve contacted me via email, phone calls Since XX/XX/XXXX they been contacting me multiple times as Ive been working. 
Today XX/XX/XXXX they called me again while Im at work with manipulative and threatening tone. 
XXXX XXXX has contacted me from Phoenix Recovery Group, I have no contract with that company also I do no know who are they to be reaching out to me. 
Ive told them to reach me via mail, yet they still choose to call me. 
15 U.S.C. 1692d
Consumer complaint received 2018-11-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Data Corporation (MO)

On XX/XX/XXXX XXXX XXXX XXXX was paid {$200.00} by XXXX XXXX XXXX XXXX from my banking account. XXXX  states they have no proof of that transaction. I contacted XXXX XXXX XXXX XXXX which faxed a bank Affidavit which contained the date the check was paid. The Affidavit was faxed to the fax number provided by XXXX. Despite the Affidavit, XXXX has instructed me to send them a copy of my bank statement. I refuse to send my bank statement to the XXXX  because it would be an invasion of my privacy. According to the Federal Trade Commission XXXX can request proof of payment which my bank has provided. I received a letter from XXXX dated XX/XX/XXXX stating my dispute appears to be invalid. I have failed a lawsuit against XXXX and will appear in court on XX/XX/XXXX. Upon conducting an online search with regards to XXXX, it appears XXXX has received consumer complaints alleging violations of the Fair Debt Collections Practices Act ( FDCPA ), including making false and misleading statements in an effort to collect a debt and failing to verify debts. In XXXX, XXXX XXXX XXXX XXXX XXXX. agreed to pay {$3.00} million to settle Federal Trade Commission charges that they violated the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2023-07-09
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: United PanAm Financial Corp. (SC)

XXXX openly advertises pre-qualify with no impact to your credit score on its website and further reading of disclaimers state that no hard inquiry shall be made unless you proceed with purchasing a car. On or about the week of XXXX XXXX I visited XXXX website to look at vehicles and get an estimate of payment information. I emphasize estimate as none of the details provided to me were final and no attempts to purchase were ever conducted by me. This was all information provided under the pre-qualification guidelines, which was fine as I had no intention to purchase and certainly did not want the hard inquiries on my credit file. 

All was fine until I received mail notification that 3 separate hard inquiries had been placed on my credit file during that same time span. The inquiries are listed under United Auto Credit Co, which at the time, I had absolutely no knowledge of and certainly did not give them permission to run my credit. Attempts to contact the company have proved fruitless as they never return calls and bounce you between representatives who can not help. After further researching United Auto Credit, it appears that the company has recently been purchased by XXXX. Now, those inquiries make sense, however there are still unauthorized.
Consumer complaint received 2023-07-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I received a check from a company that was suppose to be a job that I applied for and tried to deposit the check into my account. They put a hold on the check as I expected to make sure the check could be verified. The check turned out to be sent to me from someone trying to scam me. The bank notified me that the check was not good and I tried to explain to them where the check came from and that I was being scammed and they blamed me and closed my account. My account was closed for suspicious activity and as a result I am unable to open a bank account at any bank. The reason I was given was that I should've known better, but how was I suppose to know. I though that was why the banks take time and put a hold on the check to make sure the check is from a real company. I feel they blamed me and closed my account unlawfully and caused me to be unable to open up any bank accounts with other banks because of their report. I really need help.
Consumer complaint received 2023-07-09
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. (WA)

I have attached a full explanation and provided necessary documentation. The bottom line is the main issue for all consumers according to statistics and great record keeping by the CFPB, they errors on our credit reports are coming from the credit reporting agencies that are furnishing our reports. Feedback : only hire people in this very important position that truly have a heart to serve the community. Banks pay these agencies for negative data so they can then charge the consumer with bad credit more interest which is flat out predatory. Please include XXXX and XXXX in this complaint requesting full investigation of their employees as well.
Consumer complaint received 2018-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have previously submitted a complaint regarding this matter unfortunately I wasn't able to follow up on it on time. 

Both Equifax and XXXX have been reporting inaccurate information on my report.. 
The are listing an Account with XXXX XXXX and a second one with XXXX as being good standing and pay as agreed when it's not the case. 
The account with XXXX is not mine and was fraudulently opened. I have contacted XXXX probably 10-15 both personally and via regulating agency without any success. 
The Account with XXXX XXXX is legitimately mine ; however they never reply or acknowledge any request to help assist how the fraudulent charges were committed in order to assist me with filing a police report. 
I have contacted both reporting agency multiple without any success, Both agency are claiming that I am paying on those account which is also false. The last time I make any charges on payment on the XXXX XXXX Account was probably in XXXX or XXXX. and the Account with XXXX is not mine. 

I spent hours initiating dispute with Equifax online only to find out at the end that this service is currently unavailable and I always end up sending everything by certified mail. I am requesting that both agency investigate this matter seriously and remove the incorrect info from my record. 

Also there are numerous discrepancy with my Mortgage payment history since XX/XX/XXXX, always payed my Mortgage ahead of schedule I have also provided both agency with a payment history regarding this matter.
Consumer complaint received 2023-07-09
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: EQUIFAX, INC. (AL)

i notice on my credit report that i kept getting denied for store credit with my favorite shopping store and i checked my credit profile and seen unauthorized Hard inquiries on my credit prolife that is a violation of my consumer rights and i filed my Ftc report so it can be blocked and removed from my credit report these Hard inquiries is not related to me i never gave Equifax permission to furnisher anything on my report they don't have no hard copies on file stating that i gave them consent
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

XXXX  AND EQUIFAX ARE WRONGFULLY REPORTING BANKCRUPTY ON MY CREDIT REPORT. I first disputed this with XXXX and EFX who stated that they " verified with the creditor -COURT- I contacted the court -clerk 's office and received in writing statement saying they do NOT communicate, report, confirm or verify any information with the bureaus so this validation by XXXX AND EQUIFAX IS A LIE/ FRAUD 2 ) I then was told that they receive this public records information from company called XXXX XXXX whom I contacted they TOO stated in writing that they did NOT communicate with XXXX or Equifax about my file, they also sent request but did NOT hear from them- see attached proof. so this validation by XXXX AND EQUIFAX IS A LIE/ FRAUD 3 ) XXXX XXXX- mailed me deletion statement for this public record being deleted/null/non existent in my name and my ss # which I forwarded to the credit bureaus XXXX AND EQUIFAX. Who in turn AGAIN sent me statement saying they " verified with the furnisher the information reported being correct and accurate ... '' BUT IT IS NOT!!! - SEE ATTACHED PROOF AND PLEASE DO SOMETHING ABOUT THIS, ISN'T THIS A VIOLATION OF FEDERAL RULES AND REGULATIONS.
Consumer complaint received 2023-07-09
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: EQUIFAX, INC. (AZ)

On XX/XX/XXXX I sent a request on CFPB to XXXX and Equifax. Complaint ID # : XXXX & XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code $ 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2018-11-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: CITIBANK, N.A. (NY)

I had Citi Student loans. Some where transferred to XXXX  ( $ XXXX ) some transfered to XXXX XXXX ( nka XXXX ) ( $  XXXX ) and Citi continued to service some, then it was transferred to XXXX and the Citibank payment website closed down and directed all visits to XXXX. I continue to pay all those servicers and I am current on all of them. I noticed a Citibank student loan on my credit report ( about $ 27k ), I called Citibank about it, and then said XXXX will service it, that they no longer service loans. I continued to pay my XXXX payments as directed on time. I called XXXX   they said they have all my loans from city ( which was about 7k ) I figured it was rolled up in my XXXX or XXXX. As there was no other servicer for me to inquire about. I recently checked my credit and its still showing up now delinquent and sent to collection. XXXX, XXXX, and XXXX know nothing about it and Citi doesnt service loans. How can I pay a loan with no servicer? Im confused, and dont know what to do now.
Consumer complaint received 2023-07-09
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. (NC)

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


XXXX XXXX XXXX -- This account is pure identity Theft and wrong!!! 

XXXX XXXX XXXX {$310.00} -- This account is pure identity Theft and wrong!!! 

XXXX  XXXX -- This account is pure identity Theft and wrong!!! 

XXXX XXXXXXXX -- This account is pure identity Theft and wrong!!! 


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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-09
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. (GA)

In the court of the FCRA these accounts XXXX GXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS
Consumer complaint received 2023-07-07
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2018-11-23
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (IL)

Dear CFPB, I am complaining about XXXX XXXX XXXX XXXX XXXX XXXX. Their Attorneys XXXX, XXXX, XXXX and XXXX XXXX, their Local local Attorneys the law offices of XXXX and XXXX, XXXX XXXX the special representative for the bank, the 2 Judges who sat on the Case Jugde XXXX and Judge XXXX, the Circuit Clerk XXXX XXXX, the Recorder of Deeds XXXX XXXX, the Sheriff of XXXX County, the XXXX Police Department, The XXXX XXXX XXXX Lady XXXX XXXX for evicting me and destroyment of my property in violation of the False Claims act and the Federal and Illinois Servicemember Civil Relief Act, they all have defrauded me out of property and defrauded the United States Government Fraudulent False Claims against the FHA, FHA Case # XXXX they all have failed to validate the debt pursuant the Fair Debt Collections Practices Act, suing dead people is legally impossible Case # XXXX, XXXX County, Illinois XXXX XXXX XXXX XXXX XXXX. vs XXXX XXXX XXXX ( Deceased ) they have engaged in fraud the court lacked subject matter Jurisdiction and personal Jurisdiction, XXXX XXXX XXXX XXXX XXXX. and their associates has engaged in a pattern and practice of submitting falsified documents Robotic signing of falsified documents. To obtain illegal Judgements of Foreclosure of Sale and to obtain insurance payments from the FHA ( Loan Scams ) they have illegally evicted me in violation of the SCRA Federal and State Fair Housing and Consumer Protection Laws, I was not the alledged mortagor.
Consumer complaint received 2018-11-24
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: EQUIFAX, INC. (FL)

Notice violations under the FCRA : The CRAs are repeatedly failing to identify their source within their responses to the prior disputes related to the incorrect public records listed on my credit report. 
The three Bureaus are not investigating and not providing the third party vendor.

Rule Violated : A creditor fails to notify consumer when it supplies negative credit information to a CRA. The Credit Bureaus/CRAs have failed to identify the vendor or source of the two public records listed on my credit report : Pursuant to Federal Bankruptcy Court rules is the court does not supply the credit bureau ( s ) with any court records.

Equifax ( XX/XX/2018 ) does not list the VENDOR or SOURCE who provided the public records, as the address on the public record is Notice violations under the FCRA. 

XXXX ( XX/XX/2018 ) does not identify the VENDOR or SOURCE of the public record as the address on the public record is Notice violations under the FCRA. 
XXXX  ( XX/XX/2018 ) does not identify the VENDOR or SOURCE of the public record as the address on the public record is Notice violations under the FCRA.
Consumer complaint received 2023-07-09
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. (AZ)

On XX/XX/XXXX I sent a request on CFPB to Experian and XXXX. Complaint ID # : XXXX & XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code $ 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have a goal of getting a house as soon as possible, and been trying to call the credit bureaus for the past weeks now but their automated system is not user friendly and it just keeps on wasting my time. Please remove those alerts asap so that I can move into my new home. Thank you.
Consumer complaint received 2023-07-09
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)

Hello, I had a credit card with XXXX XXXX  XXXX. They closed my account without advising me or calling me in advance. I had automatic payments and when the closed it they also disengaged my automatic payment. Later they reported me late.
Consumer complaint received 2023-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (TN)

Planet home lending sold my mortgage to XXXXXXXX XXXX Planet home lending was supposed to stop taking payments starting XX/XX/2023, but they did not. 
They took out the payment anyway. 

I called XXXXXXXX XXXX is they are saying payment is due for XX/XX/2023. 

I called planet home lending, they said they will forward the payment but its still not forwarded and Im writing this complaint on XX/XX/2023 2023
Consumer complaint received 2018-11-25
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NV)

Specifically on XX/XX/18 at XXXX XXXX I called Chase bank to cancel a ( {$1500.00} ) check I sent out to California the day prior, I spoke to a male representative and he read me the disclosure and told me it would be a {$30.00} charge to cancel the check. I gave him all the information he requested ex : amount and who would be trying to cash the check, the representative assured me everything was taken care of. On XX/XX/18 the check was cashed, I called Chase immediately and I spoke to ( 3 ) different representatives calling me a liar, they said I DIDN'T call and that everything is recorded. I finally was able to speak to someone that would be able to pull the phone call and after an hour of talking to their representatives she agreed and apologized, she let me know that I had done everything correct and that the representative never put a stop on the check and all I got as an I'm sorry. She also advised me to run to the nearest branch and fill out an NSSF-OD Form which I did, it got denied because it was cashed 1 business day ago. This is completely unacceptable and I can not believe they are not trying to help me after their employees made such a terrible mistake.
Consumer complaint received 2023-07-09
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: EQUIFAX, INC. (DE)

On XX/XX/XXXX I sent out disputes to each credit bureaus asking them to block the inaccurate items on my report due to identity theft also sent in a ftc report showing items that is effecting me. According to consumer law 15 USC 1681 C-2 any credit reporting agency shall block information in 4 days upon receiving notice of breach of identity. The Credit Bureaus have failed to do this violating my consumer rights. And i am impaled to seek the proper remedies if this is not properly taken care of. 

On XX/XX/XXXX i received a letter from all bureaus stating that my request was sent in error which is very disheartening being as though I am the natural being consumer. According to procedure in case of disputed accuracy 15 USC 1681I I should be afforded a fair investigation of the disputed items to be looked into for accuracy. This matter has not been taken into consideration. 

I am asking all my request be granted thru the fairness of the law and taken care of expeditiously