davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

I had a loan with XXXX XXXX in which I defaulted on the loan. The loan was in collections & the company was in the process of obtaining a court ordered wage garnishment. I received a letter from the attorney representing XXXX XXXX with the outstanding balanced owed. Mailed them a money order for the amount requested yet they are still reporting a balance on my credit report. The balance owed was approximately {$740.00}. There should not be a balance owed on this account.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THE INFORMATION IS INCORRECT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (TX)

I made a payment on XX/XX/XXXX  for {$380.00} and a duplicate payment was charged on XX/XX/. The merchant confirmed that several others had the same problem on the same date. The merchant does not show 2 payments made to my account on those dates, only the first one that I made, not the duplicate. The error lay with the credit card processor, XXXX. I contacted my bank, Chime/ The XXXX  XXXX  about the double charge. I was given a temporary credit pending the outcome of their investigation. They concluded that there was no error, and could not provide any evidence to show that I made 2 payments. The temporary credit was taken from me. I provided more details and documentation and the bank concluded that there was still no error. I sent additional details, including the phone number to XXXX on XX/XX/. By this morning, XX/XX/, the bank determined there was no error and declared the decision final.
Consumer complaint received 2018-09-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

In XX/XX/2018, I, XXXX XXXX XXXX, and my husband, XXXX XXXX, filed for bunkruptcy of some credit card debt incurred through XXXX XXXX 's business. 
That bankruptcy never included the XXXX & XXXX mortgages held by myself and a third party, XXXX XXXX These mortgages are for the primary residence of XXXX  XXXX, XXXX  XXXX, & XXXX XXXX. 
In XX/XX/2018, XXXX  XXXX XXXX ( holder of the 1st mortgage ) notified us that they sold that mortgage to Fay Servicing. We were paid up and current with XXXX, and going forward from XX/XX/2018 our payment were to be made to Fay Servicing. We did all that. 
Now Fy Servicing/XXXX is insisting on a duplicate payment back to them that we were never notified about and XXXX has attached themselves to our bankruptcy after-the-fact. 
On XX/XX/2018 as we filed the bankrupcy, a payment to XXXX was pending. That payment was made XX/XX/XXXX properly and on time. XXXX admits this. 

This pending payment was automatically swept up into the bankrupcy ( even though XXXX was never named in the bankrupcy ). 

Fay Servicing should remove the requested payment from the bankrupcy, and amend our mortgage payment records and all credit reporting agency records to reflect that we are current with the morgage and there was never a late or missing payment.
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have constantly dispute with this company. This company has failed to respond to my affidavit that I sent them, and they are boldly violating my federally protected consumer rights. They have been consistently reporting inaccurate account information on my consumer report for both Transunion and XXXX. When I hold them accountable, they refuse to comply. This company is willfully negligent. They consistently blame the consumer reporting agencies and state that XXXX and Transunion are responsible for the inaccurate credit reporting when the debt collector is in fact the new data furnisher who bought the alleged debt and is putting it on my credit profile. This company is more concerned with money so much that they are stepping on my federally protected rights while attempting to collect it. I have filed multiple complaints against this company to no avail. This company is also reporting a closed account as open on my report. I have disputed against this company multiple times with viable proof. I'm requesting the deletion of this account for violation of the FCRA under 15 USC 1681 s-2 Responsibilities of furnishers of information to consumer reporting agencies- ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-05-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (NC)

On XX/XX/2023 I had {$3200.00} on my XXXX  ( XXXX XXXX  ) I went to transfer it to my bank but didn't realize that the account was an old account from Chase Bank that was already closed. I have contacted both XXXX and Chase Bank to they keep going back and forth and still have no money. 

When I contacted Chase they stated that they reversed the transaction. They provided me with these two numbers : Trace # XXXX Trans # XXXX They stated that XXXX XXXX  ( XXXX XXXX XXXX ) has the money and XXXX says that Chase told them that they had it.
Consumer complaint received 2023-05-09
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc. (DE)

My mortgage was transferred from XXXX XXXX XXXX XXXX to Mr. Cooper/Nationstar on XX/XX/XXXX. When I was notified of this transfer, I immediately applied for auto pay with Mr. Cooper to make absolutely sure my mortgage was covered for XX/XX/XXXX. Unbeknownst to me, Mr. Cooper did not process my payment through the auto pay system so it showed that I did not pay for XX/XX/XXXX mortgage payment. The auto pay system went into effect on XX/XX/XXXX, so the late payment kept spilling over for the next 6 months. 

Mr. Cooper/Nationstar then reported to the credit bureaus that I failed to pay 4 payments and that lowered my credit score over XXXX  points from around XXXX  to XXXX. All of this was while I had more than sufficient funds to pay the loan off in full in my bank account. I did not realize the hit until I tried to apply for a new mortgage and my credit was lower than usual. My history of paying mortgages was flawless up until the events of XXXX XXXX XX/XX/XXXX. 

This event has hurt my credit very badly and I feel this error is not my fault as I believed the autopay covered that payment on XX/XX/XXXX. I had zero idea they did not process that XX/XX/XXXX payment until they let me know in the fall of XXXX. Afterwards, I payed an extra payment in XXXX to cover everything. 

I requested an investigation to their research department and it came back as no errors on their part and they refused to fix this with the credit bureau. I desperately need the CFPB 's help on this matter as Mr. Cooper is failing to cooperate and fix the issue.
Consumer complaint received 2023-11-08
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tower Loan of Mississippi, Inc. (GA)

Ive told the company 3 times not to contact my main line at my employer due to the fact that we can not have personal calls going to that number. Ive explained to them as well that I can get in trouble for them calling that main line number. Which is why I only gave them my direct number at work as well as my cell phone number. I never provided them with my main line number. Ive explained to them over and over the times to call me and yet they dont. They still continue to call outside of those hours which are hours that I am not available. 

Ive them back in back in XXXX of XXXX XX/XX/2023 and just yesterday XXXX XXXX to not call the main number.
Consumer complaint received 2023-05-09
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. (FL)

In accordance with the Fair Credit Reporting act US DEPT. OF EDUCATIONXXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-05-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This company is refusing to tell the truth. I started a complaint in year XXXX and XXXX XXXX did not change any wrong accuracies and did not comply with all documentation asked for. They continue to send limited information. They then decided with my second complaint made in year XXXX to then change all inaccurate information. This company has violated my rights between XXXX until XXXX. How did they not violate my rights when I had to make another complaint in year XXXX for yet again wrongful accuracies. If you corrected my account this year XXXX that means that you never completed a full investigation in XXXX and all the inaccurate information remained the same up until XXXX. That is a violation. I will have to hire a lawyer to resolve this matter for which my initial dispute in year XXXX was not resolved causing me to have to file another dispute in XXXX. This was a damage to my credit profile and was not handled until this year XXXX which was in clear violation of all laws. I had to suffer for this mishandled situation. I am seeking that this account be removed for which XXXX was inaccurately reporting to my credit from all previous years before XXXX and from XXXX until XXXX. 

XXXX XXXX has also taken over 90 days to complete my 1st investigation along with my second attempt XXXX. They have still not sent all information that has been requested. 

I will hire a lawyer for which I do have credit reports that clearly shows that XXXX XXXX did not change any inaccuracies from my 1st dispute in XXXX and then decided to change things in year XXXX after a second attempt to fix my credit.
Consumer complaint received 2020-07-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Where is my sign hippa release form? Where is my financial responsibility form from this original creditor? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally file a complaint against XXXX located in XXXX, GA ; XXXX located in XXXX, TX and TRANSUNION located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, causing me significant financial and mental distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim, they have failed to provide the necessary documentation as required by the FCRA. Despite my persistent efforts to resolve this issue over the past several months, XXXX, XXXX AND TRANSUNION has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints lodged against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this XXXX bureaus namely XXXX, XXXX AND TRANSUNION has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I recently checked my credit reports and I found out some billing errors that violated the Consumer Law I attached the PDF file of my dispute letters that were sent to the involved Bureaus My dispute letters were ignored and nothing happens so far.
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I asked the Credit Bureau to do a verification of my credit report and they did and stated that everything was accurate. i did a thorough research myself and i found improper inaccuracies on my credit report. 
In accordance with the Fair Credit Reporting my rights and account have been totally violated, according to 15 U.S.C 1681 section A, ( states I have the right to privacy. 15 U.S.C 1681 section 602 A ; ( states consumer reporting agencies can not furnish a account without my written instruction. 
Please check for the inaccuracies in the accounts below. 

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
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: DISCOVER BANK (MN)

In accordance of the fair credit reporting act Discover account number XXXX, has violated my rights. 


15 USC 1681 section 602 states I have the right to privacy.

15 USC1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2023-02-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XX/XX/22 Bank of America pulled a hard copy of my credit report without my consent or knowledge. 
I reported to Bank of America and XXXX
Consumer complaint received 2023-05-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (GA)

Once I became aware of the account on my credit report I disputed the account and requested verification on XX/XX/XXXX. I followed up with the creditor by phone on XX/XX/XXXX and spoke to a representative ( XXXX XXXX ) who confirmed they received the dispute on XX/XX/XXXX and mailed out the itemization on XX/XX/XXXX. While on the line she also confirmed my correct mailing address as I have not received any correspondence from the creditor. I called back on XX/XX/XXXX, spoke to representative ( XXXX ). Requested that this account be deleted from all credit bureaus as I have not receive any correspondence they claim to have sent. Regardless, if sent, it would have been outside of the 30 day timeframe required by law. This rep informed me that XXXX requested for another itemization be sent to me and the only thing he could do is to request another be sent out. I advised him, it was still outside of the 30 days from the date of dispute. XXXX stated if I was going to talk like that that " he would just throw me to a manager ''. I spoke to manager, XXXX XXXX, who asked " how may I help you? ". I again, explained the situation and as I started to request for deletion of the account he spoke over me. I confirmed that the first thing he asked was " how may I help you? '' so I don't understand why he's speaking over me while I'm answering. Advised we would not have a good dialogue if that's how the conversation is going to go. XXXX XXXX replied, " If you're going to be smart, I'll just disconnect the call. '' I told him I am requesting for the account to be deleted from all the credit bureaus due to your failing to reply within 30 days in which he replied with a firm " NO '' then he disconnected.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I have no knowledge of the said. hard inquiries. The hard inqueries are theresult. of identity theft and must but removed no later than 4 business day as per 15 U.S. Code 1681c2 - Block of information resulting from identity theft.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : 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
Consumer complaint received 2023-11-19
Product: Credit reporting 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)

This is to complain about my credit scores submitted by XXXXXXXX XXXX or XXXX XXXX to XXXX, Transunion and XXXX credit scoring companies. I was alarmed today because upon checking my XXXX XXXX account, I have 3 months of unpaid bills from XXXX XXXX. This bill amount to XXXX XXXX dollars from my original credit of {$58.00} something XXXX dollars. The rest were their charges from unpaid monthly bills. But I believe this is not right because the reason why I couldnt pay it is because they made it hard or impossible for me to pay it. And back in XXXX or XX/XX/2023 when I first attempted to verify using the XXXX ( XXXX XXXX ) app, I could not access my account. Its locked or it is closed. Then I tried calling customer service to address the problem, it did not allow me to talk to a live person, it just informed me that my account was closed by the bank and that I could not proceed further. I did go on with my days, and I believe I attempted the app and the phone customer service 2 or 3 times until I just give up or maybe I though, oh well. The account is closed maybe I dont owe anything anymore. Until today, when I checked my email, among all my tons of mail, one caught my eye and it was emailed to me 2 days ago from XXXX XXXX. It caught my eye because it wasnt a marketing offer. It says that it needed attention so I opened it. It was account an attempt to collect all of a sudden XXXX dollars. So I got shocked. Did I get hacked? I didnt make any such purchase from XXXX. So I attempted again to log on to my account, change pass and all, as the account was locked already due to several attempts. And for some reason it finally allowed me to access and there it was, amount due XXXX USD. Anyway, I have complained this already to CFPB complained number XXXX and this new complaint is in connected with my prior complaint because my credit scores were greatly affected. My Transunion score went down from XXXX to XXXX, my XXXX score went down from XXXX to XXXX and my Fico Score went down from XXXX to XXXX. Not because I did not want to pay or did not attempt to pay what was due but because their payment system was blocking me from paying them.