davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX Employer : XXXXXXXX XXXX  Date Updated : XX/XX/2016
Consumer complaint received 2021-12-02
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. (DC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Lending Club Corp (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

2. Identity Theft XXXX XXXX  XXXX Account Number : XXXX**** This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX**** This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX**** This is not mine.
Consumer complaint received 2021-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

In XXXX, received a penalty from the county for unpaid property taxes despite the fact I had been making monthly escrow payments with my mortgage through United Wholesale Mortgage. I requested that they pay the property taxes ( {$6400.00} ) with my escrow balance, and that they take responsibility for the penalty ( {$650.00} ) as is required when escrow fails to pay taxes. Since they did not respond to my request in a timely manner, I paid the taxes myself to avoid additional penalties and notified them to disregard the original message. A couple days after, they paid the taxes and penalty out of my escrow account despite my notice to cancel. 

I called the county for a refund due to the double payment and they obliged. After reviewing it, the county sent the refund of {$7100.00} on XX/XX/XXXX and provided a warrant number to track the deposit. However, the refund was sent to the escrow bank account rather than mine. I then called UWM to track down the refund and send it to me. 

Between XX/XX/XXXX to current date, I called them 8 times to follow up on the status of the refund. Each time I called, a customer service representative told me that they have been unable to locate the refund despite the fact that I provided the exact warrant number from the county. They said that someone would look into it and that I should call back in a couple weeks. In the 3 months that I have been following up, no one from United Wholesale Mortgage has looked into the issue or made any progress. As of today ( XX/XX/XXXX ), United Wholesale Mortgage has sold my loan to another financial institution and is claiming that it is the responsibility of the new loan servicer.
Consumer complaint received 2021-12-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

I was behind on my credit card payments and couldn't make any payments of any kind. I was told by and gotten written letters from my other credit card companies they must by law do a charge off after 6 months this is the only card that didn't, and they kept charging me interest and late fees for over a year without charging this account off but instead kept it open to pile on the fees now they sold this off to another company for the higher amount then I owe. And I can't get into my account on the website to get statements of any kind they took it off. I even have a check from the credit card company I never cashed in the amount {$53.00} that should have gone towards my balance since I never got to cash.
Consumer complaint received 2021-12-13
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (KY)

I can not get some details from my bank, but on or around XX/XX/XXXX, someone ( not me ) opened 2 accounts in my name at BB & T ( now Truist ) Bank. I do not know what type of accounts these are, but I assume they are not credit accounts because they have not shown up on any credit bureau report. They may be checking or savings accounts. At some point, these 2 accounts went into default for amounts {$130.00} and {$180.00}. My business checking account ( which I legitimately opened more than 2 years ago ) was offset for the amount that was owed on these defaulted accounts, which is when I found out they existed. At no point was I made aware of these by BB & T, even though the address that was used to open the account was one of my previous addresses ( over 3 years ago ). I have filed a report with BB & T, but the resolution estimate is more than 4 weeks.
Consumer complaint received 2021-12-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc. (FL)

I wanted to look at the rates for a personal loan. Upon reviewing the terms everywhere it had listed a No impact to credit and soft credit inquiry. Once I reviewed the offer and the TIl, I was expecting a hard inquiry disclosure to be visible and clearly identified as Thai wouldve been the final step. However it was hidden within numerous bullet points. It is very predatory and deceptive. They made sure to highlight everywhere that its a soft inquiry and yet when it a hard inquiry that is hidden and not shown with any disclosure. I asked the company to cancel my loan as I did not agree to the loan terms or viewed the loan agreement. It was not visible to me at all. 
Date XX/XX/21.
Consumer complaint received 2021-12-02
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: Experian Information Solutions Inc. (NY)

I requested from over a year to Experian to send me results on the disputes of XXXX XXXX and others by mail and they never had send, a single document explaining the investigation process or the details of the results, every time I call Experian the customer service representatives change the subject that I cant see those emails or any record I requested several times all this documents by mail and Experian doesnt want to listen to my request I sent more than 20 disputes and no answer any of those disputes by mail of the process or the investigation Experian is the only reporting agency violating my consumer rights This a very serious situation Experian should take this more serious Violating my consumer rights is illegal is a joke They are getting me really tired with all this abuse
Consumer complaint received 2021-12-02
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (PA)

I have not received anything from Experian in regards to my credit report and XXXX report. They claimed that they would send out a report but I have not received anything. It has been over two weeks. I need my consumer report and XXXXL report. 

I've been trying to reach out to Experian, they have not given me access to my CONSUMER CREDIT REPORT and XXXX REPORT. I have attached screenshots as proof. All I want is to have my CONSUMER CREDIT REPORT AND XXXX  REPORT. Nothing less, and nothing more. Pursuant to 15 USC 1681 ( 4 ). Experian has a grave responsibility with fairness to the consumer to abide to the Fair Credit Reporting Act. Pursuant to 15 USC 1681 ( 3 ), consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit. I demand my CONSUMER REPORT AND XXXX  REPORT. I am entitled to a free weekly report due to the current pandemic.
Consumer complaint received 2021-12-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: JPMORGAN CHASE & CO. (FL)

I purchased a car from XXXX and was informed a few days later that it was involved in a trailer fire. I have called multiple times to get a replacement vehicle but each time I give XXXX a new VIN, they tell me a couple days later that the car they supposedly put on hold for me is now no longer available and was sold to someone else. It has now been over 22 days and I have called multiples times and have sent several emails with no resolution. I now have a loan on my Chase account for XXXX XXXX for a car I dont have.
Consumer complaint received 2021-12-02
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: OneMain Finance Corporation (OK)

Not applicable to me, Fraudulent Account on my credit report I have sent in numerous letters in attempt to verify and get this resolved off my credit report, I have also sent letters to XXXX, XXXX and other reporting agencies and they all keep pointing the fingers. 

The company states that they can not find me in their system yet the company is listed as inquiry on my consumer report. I would like this inquiry and others removed expeditiously as they were opened without my written or informed consent.
Consumer complaint received 2021-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (PA)

I submitted a complaint with the attorney general on or about XX/XX/21. Case # XXXX. The complaint was in regards to the secured card Ive had with a DISCOVER for over a year. A response was sent from the XXXX office ( XXXX XXXX ) stating the companys right to hold the deposit at their discretion. I followed up with both the XXXX and DISCOVER asking that my deposit be returned Pursuant to XXXX XXXX Code XXXX. Transactions involving finance charges shouldnt involve cash. I asked that my credit be switched to an open-ended account Pursuant to XXXX code XXXX. I also reminded DISCOVER that any adverse actions against me because of this request is a violation as I am a federally protected consumer. On XX/XX/21 I received an email stating my account had been closed at my request. My complaint and response specifically stated that I wanted to keep my account active. I never requested my account be closed. A few calls have been made to DISCOVER in regards to this matter. The only response was that of the adverse action taken on XX/XX/21.
Consumer complaint received 2021-12-02
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. (CA)

I am XXXX XXXX XXXX and im submitting this complaint myself and there is no third party involved. 

I XXXX XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan had my federal rights violated on XX/XX/2021 I noticed an error on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX violated 15 USC 1681 ( c ) and 15 USC 1611 ( 1 ). XXXX XXXX XXXX XXXX. XXXX adverse actions taken against me denying my rights, of which the civil damages pursuant to 15 USC 1681 ( c ) are up to {$1000.00} and 15 USC 1611 ( 1 ) are up to {$5000.00}. XXXX XXXX XXXX  XXXX XXXX  is now civilly liable to pay me for the damages.
Consumer complaint received 2021-12-02
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. (NC)

I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding inaccurate unverifiable items on my credit report. It has been over XXXX days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed.
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX XXXX, XXXX {$4700.00}, XXXX XXXX  XXXX, XXXX {$1300.00}, XXXX XXXX XXXX, XXXX {$10000.00}, XXXX XXXX XXXX, XXXX {$57000.00}, XXXX XXXX XXXXXXXX, XXXX {$310.00}, XXXX XXXX XXXX XXXXXXXX, XXXX {$6800.00}, XXXXXXXX XXXX XXXXXXXX, XXXX {$6800.00}. I have contacted each creditor listed in this comment about these accounts. I have filed an ftc report and they still have refuse to remove these accounts.
Consumer complaint received 2021-12-02
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. (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureau is reporting inaccurate information on XXXX XXXXXXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-12-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (CO)

I dealt with XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX regarding an offer by US Bank to refinance my house mortgage. The communication with US Bank started in XXXX 2021 ; paperwork was sent by me to US Bank on XXXX XXXX, 2021, and a {$400.00} processing fee was extracted from my account by US Bank to complete the application form. However, since initial paperwork was completed, there has been no progress by US Bank. I have inquired multiple times to the above 3 names. About once a month I got requests from US Bank for updated bank statements and profit/loss statements, which I send them, and then I get no further communication from them. This happened 3-4 times, where I keep asking for updates and they do not appear to be processing my application, but they have taken my application fee. I believe they are misleading in that they have not processed the application at all and have no intention to do so. 

I lodged a complaint with CFPB, and they responded that they would refund {$390.00} towards my application fee. They did NOT do this, and instead sent a letter denying my application, claiming I failed to send them the very information I sent them XXXX  times in a row!
Consumer complaint received 2021-12-01
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. (OH)

My Experian score dropped XXXX points in XXXX. It states that I have had XXXX " serious delinquent '' account, which is incorrect. My report only shows positive ( 100 % on time all accounts ), so I am unable to file a dispute. I have called and tried to submit disputes. Experian says I can't dispute a positive report. They say they can't explain why it is on my report, why my score dropped XXXX points, or how to correct it. Please advise. My Experian report is now XXXX points less than any other report and shows a delinquency with no information or account information.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Inquiry that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2021 Equifax
Consumer complaint received 2021-12-02
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: CITIZENS FINANCIAL GROUP, INC. (NC)

On XX/XX/XXXX I submitted an application for pre approval on a line of credit through XXXX XXXX with Citizen One bank. This was not supposed to be reported on my credit report if I was not approved for the credit. As soon as I submitted the application, I was disqualified and a hard inquiry was reported. It negatively impacted my credit and they refuse to remove it.
Consumer complaint received 2021-12-02
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that Equifax Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : WESTERN XXXX {$3900.00} XXXX {$0.00}
Consumer complaint received 2021-11-04
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. (VA)

XXXX, XXXX, Experian Mailed in my factual dispute for " co '' still reporting on a dead account, the accounts are still up and reporting, this is changing the statue of limitations which is stopping me from getting a home. This was XX/XX/2021.
Consumer complaint received 2021-12-02
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. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my report : ( XXXX XXXX XXXX, XXXX CARD XXXX, XXXX CARD XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX )