davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-05
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file and are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-20
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. (IN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 
15 U.S.C. 1681 section 602A states I have the right to privacy.

15 U.S.C. Section 604 A Section 2. It also states a consumer reporting agency can not furnis 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-07
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: Global Lending Services LLC (LA)

Subject : Request for Verification or Removal of Inaccurate Information on Credit report I hope this letter finds you well. I am writing to bring your attention to inaccurate information that I have discovered on my credit report. I kindly request your assistance in verifying the accuracy of the said information or removing it from my credit report. 

I recently obtained a copy of my credit report from your bureau and was disappointed to find discrepancies that are negatively impacting my creditworthiness. The following information is incorrect : 1. [ Specify the inaccurate information, such as incorrect account details, dates, balances, or payment history. ] I believe that this inaccurate information has the potential to harm my creditworthiness and impair my ability to obtain credit, secure loans, or receive favorable interest rates. As a responsible consumer, I feel it is my duty to address and rectify this matter promptly. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly request that you initiate an investigation into the disputed items mentioned above. During this investigation, I request that you contact the relevant data furnishers and verify the accuracy of the reported information. Please provide me with a written report of the investigation 's findings within the statutory period of 30 days. 

If, after your investigation, you find that the information is indeed inaccurate or can not be verified, I request that you promptly remove it from my credit report. Additionally, I kindly request that you provide me with an updated and corrected copy of my credit report reflecting the necessary changes. 

Enclosed with this letter, please find copies of the relevant documents supporting my claim. These include copies of statements, receipts, or any other evidence that substantiates my dispute. I understand that providing this evidence is not mandatory, but I believe it will assist in resolving this matter more efficiently. 

I would also like to request that you notify all entities that have received my credit report within the past six months about the inaccurate information and provide them with the corrected version of my credit report. 

I appreciate your attention to this matter and your prompt action in resolving the dispute. Please provide me with a written confirmation upon receipt of this letter. Should you require any additional information or documentation, please do not hesitate to contact me. 

Thank you for your cooperation in this matter.
Consumer complaint received 2018-12-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (IA)

XXXX XXXX XXXX sent me a notice that I received on XX/XX/2018 stating that a payment would be automatically debited from my account on XX/XX/2018 and that if I wanted to change the payment, I needed to contact them at least three business days prior to the debit date. I called, and they said there was nothing they could do about it. I lost my job and can not make the payment. Also, they are printing checks against my account, not just debiting my account.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Dear Sir/Madam, I am writing to bring to your attention certain outdated personal information that is currently present on my consumer report with your agency. I kindly request that you take immediate action to remove this outdated information from my report in accordance with the Fair Credit Reporting Act ( FCRA ). 

I have recently reviewed my consumer report and noticed that some of the personal information listed is no longer accurate or up to date. The outdated information includes : I understand the importance of maintaining accurate and current information on consumer reports, as it directly affects my ability to secure credit, loans, and other financial services. As a responsible consumer, I believe it is essential that the information provided by credit reporting agencies accurately reflects my current circumstances.
Consumer complaint received 2023-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NJ)

In regards to Synchrony bank/ Paypal Credit I have called on many occasion over the years to try and allocate a payment made toward a special finance purchase. First I don't know why consumers don't have an option to opt out of this SFP special finance purchase program. Every charge made that exceeds only {$99.00} is automatically placed into this program and the consumer has no option but to call Paypal credit, waste considerable amount of time being looped around until one can get a hold of a live person only to be forced to call back a week or so later because the allocation request wasn't processed. I am exhausted of calling back, as I just did again, to follow up on an allocation that wasn't processed. Is there an option to avoid this chaos and not have charges of only {$99.00} fall into this SFP? I now don't use this Paypal credit to avoid this {$99.00} falling into the SFP program. 

Exhausted XXXX XXXX
Consumer complaint received 2023-04-19
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. (NY)

THIS DEBT COLLECTOR GOT MY INFO WITHOUT MY CONSENT AND OPENED A ACCOUNT IN MY NAME. FURTHER, I CERTIFY THAT I AM PERMITTED BY FEDERAL AND STATE LAW TO FILE THIS DISPUTE. I ALSO UNDERSTAND THAT KNOWING AND WILLFUL MISSTATEMENTS OR OMISSIONS OF MATERIAL FACTS CONSTITUTES A FEDERAL CRIMINAL VIOLATION PUNISHABLE UNDER 18 U.S.C. 1001. ADDITIONALLY, THESE MISSTATEMENTS ARE PUNISHABLE AS PERJURY UNDER 18 U.S.C. 1621. THIS ACCOUNT FOUND WITHIN MY CREDIT REPORT ARE NOT RELATED TO ANY TRANSACTION THAT I MADE I AM A LITIGATING THAT A PERSON OR COMPANY - WITHOUT MY AUTHORIZATION - USED MY PERSONAL IDENTIFYING INFORMATION TO APPLY FOR GOODS, SERVICES, OR MONEY, AND, WAS SUCCESSFUL IN CREATING SOME ACCOUNTS. ALL IS BEING INVESTIGATED BY THE FTC FURTHERMORE In Accordance with The Fair Credit Reporting Act credit acceptance has violated my rights. 15 USC 1681 Section 602 States I have the rights to privacy. ( they say we cant opt out ) 15 USC 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. ( which they claim they dont need ) 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.

The company Credit Acceptance is currently investigating a car loan that was taken out using my personal information which I have been trying to have removed from my credit report I am filing this complaint to ensure this is taken seriously and this account is thoroughly investigated.I filed a complaint and also called and spoke to a representative by the name of XXXX she advised me to mail back an identity theft affidavit, my ID, and a sheet of paper with my signature written 5 times. I sent the mail to credit acceptance with the requested information as well as a letter requesting that they provide me with proof of my original wet signatures and additional information, original documents signed on the day this alleged account was opened so I could provide as much assistance as possible in investigating how this account was opened I never received any response but my credit report said the dispute was resolved. I contacted the credit bureaus to affirm the account does not belong to me and they said unfortunately they rely on credit Acceptance to complete an investigation and they recommended that I contact the Consumer Financial Protection Bureau. 
This whole account was done in a fraudulent way upon review of retail install contract attached to my previous complaint seems the dealership placed in fact that { {$7000.00} } was put down when In fact { {$8000.00} } was put down any money more issue including outrages APR rates I call SCAM. This issues with credit acceptance has been ongoing I would like this tradeline removed immediately.
Consumer complaint received 2023-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC (NJ)

CREDIT REPORTING : On XX/XX/XXXX, Selene Finance, LP approved and closed on a mortgage modification to help with the mortgage payment. The mortgage modification took the outstanding balance and added the PAYMENTS in arrears ( both principal and interest ) ; no change to the 8.75 % ; increased the payments from {$2400.00} to {$2600.00} ; and extended the maturity date by 60 months ( 5 years ) Was in foreclosure proceedings, until XX/XX/XXXX ( attorney representing Selene, LP vacated without prejudice ), when was approved by the New Jersey Emergency Residential Mortgage Assistance ( NJERMA ) which covered all the payments in arrears and paid an additional four ( 4 ) months of payments. 
Suffer from XXXX XXXX XXXX ; XXXX XXXX XXXX  and XXXX XXXX XXXX which rendered me unable to work from XX/XX/XXXX to XX/XX/XXXX. Was not eligible for states disability. 
From XX/XX/XXXX to XX/XX/XXXX, NJERMA paid the monthly payments, timely and Selene was aware of the payment source. 
My credit report shows twelve ( 12 ) months of past due payments. Selene, LP does not refinance, and no mortgage lender will refinance the mortgage until there are twelve consecutive mortgage payments reflecting current status. 
For the XX/XX/XXXX payment I was able to pay. The funds were deducted from my checking account of XX/XX/XXXX and through whatever processing method Selene has internally did not post until XX/XX/XXXX. 
1 ) Loan Modification INCREASED the payment. Could not make the payment prior to the modification ; thusly could not make the increase payment. 
2 ) Internal processing payments by Selene if nothing I can control/manage. 


HOMEOWNERS INSURANCE : XXXX XXXX, XXXX XXXX, no longer underwrites homeowners insurance in New Jersey. Was able to find XXXX XXXX XXXX ( XXXX ) to underwrite homeowners insurance and the cover parallel the previous XXXX policy. The first year of homeowners ; insurance was to be paid in-full as a condition ( as well as being the wiser economic choice because monthly payments include administrative fees ). 

Selene, LP was provided the declaration page which has the company as lend holder as well as the invoice from XXXX showing payment in full. Selene, LP sent out an escrow analysis which increased the payment to {$2800.00}. 


SIDE NOTES : 1 ) I can work. However, not in excess of XXXX  hours. I am employed earning XXXX XXXX. 
2 ) Have exhausted all of the Federal / State Programs offered. With the status of the credit reporting which does not meet other mortgage lenders criteria, a mortgage forgiveness consideration or program is the only other resource.
Consumer complaint received 2023-04-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (MD)

I took out a HELOC in XXXX with GMAC and paid it off 15 years ago in XXXX at refinance settlement with XXXX XXXX XXXX  ( Please see attached Settlement Statement showing payoff with XXXX XXXX XXXX  as well as the paid-in-full letter from GMAC XXXX XXXX ) XXXX However, GMAC never released the XXXX. XXXX XXXX was a savings and loan association that was based in XXXX, California. The company underwent bankruptcy and was divided up between XXXX XXXX in XXXX, which in turn was acquired by XXXX XXXX in XXXX & Ocwen Loan Servicing which is now PHH Mortgage. 

We filed a CFPB complaint against XXXX XXXX ( Case number : XXXX ) In response to that complaint, XXXX XXXX has XXXX the following : The loan referenced was serviced by GMAC. GMAC was acquired by Ocwen Loan Servicing who is now PHH Mortgage. 
( The full response from XXXX XXXX is attached to this complaint - " XXXX response XXXX '' ) We have enclosed the HUD Settlement Statement, which confirms the payoff of the second mortgage was to GMAC. 
The attached Deed of Trust shows the lender as XXXX  XXXX XXXX XXXX XXXX ( XXXX  ), the nominee for GMAC. 

Based on the above information we received from XXXX XXXX, ( XXXX response XXXX ), we hereby demand action be taken by PHH Mortgage to provide a release of the XXXX lien in question.
Consumer complaint received 2023-10-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (FL)

Had account for 6 years deposit of personal injury settlement and social security payment chime claimed was out of compliance and closed account I called and spoke to supervisor and was told they have no reason on why account was closed and refused access to my funds and now I have no access to a representative to speak of this matter or any status updates. I requested last three months of bank statement and a letter or statement of current account balance at time of closure and all requests denied and refused. A supervisor offered my a resolution by submitting my my drivers license social security card and proof of deposit from the social security administration which I did while on phone and and still was refused access to funds. I was told my funds would be mailed to me then later told my funds would not be returned to me but to the government.
Consumer complaint received 2018-05-14
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: DISCOVER BANK (TX)

Hello I received a big bill from discover that I didn't do or open up and I want this to be fixed and I also contact them and open up a dispute and they took it off my credit report for few weeks and later called me and told me to go to the police station and filed a report and I told them I did it online and I wont go in person because I have active warrants and I have a girlfriend who is not a XXXX XXXX I don't want her getting XXXX  and they closed the dispute and rebilled me and today I called on XX/XX/2018 and reopen the case and they refused and told me pay the bill and its on my credit report as of today
Consumer complaint received 2023-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO Bank, N.A. (TX)

On XX/XX/2023 BMO HARRIS treated me like I didn't own my own account even though I passed the verification questions. I called days before and never had to deal with getting my money from my own account that they plan on closing anyway. They re making me print out papers, getting the papers notarized just to prove ots my account. They won't let me access my own money. The are keeping me from withdrawing my money from my account by using the excuse that I'm not verified even though I verified myself by entering my social and phone code along wit answering 3 questions
Consumer complaint received 2023-03-17
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. (FL)

I am interested in disputing all inaccurate information on my credit report with experian. checking my file ive noticed alot of data that is hindering my file. please remove the information asap.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

First Im a XXXX veteran, I have never ever been late on any bill. My credit at the time was about XXXX per experian. I had a XXXX XXXXXXXX credit card XXXX XXXX XXXX XXXX, expired XX/XX/25. I very rarely used it but I bought my friend flowers one day, the bill was roughly XXXX usd. I use XXXX but I went to a local XXXX XXXX bank and told the teller to pay the total amount. I usually always have at least XXXX in my checking account, which I did. I use experian to monitor my bank account. I've had a XXXX so its smart to have a company that montiors my checking account. They sent me a message and I checked my account and noticed that the teller let {$2.00} left on my bill. First of all it makes absolutely so sense at all would I leave XXXX XXXX  left on a bill. It has gone over 90 days. My credit went from XXXX to XXXX! Experian told me it was courtesy that XXXX XXXX would take care of it, I sent them a letter and they told me it would be taken care of. Experian has called them, emailed them & they keep telling me they will take care of this. I have been doing this for years! Im a XXXX veteran and my credit is extremely important to me. Now I need a small loan and they still havent taken care of this. XXXX XXXX has ruined my credit for XXXX. If I had enough money to hire a lawyer I would. Why would they ruin my credit for their own mistake!! Please Help me!
Consumer complaint received 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (NY)

In fall of 2021 I paid off the balance of the account, attempted to close the account and they told me they would pause it. I only agreed if they guaranteed there would be no further charges made. 

In the ensuing months, the company decided that they would accept a charge from XXXX despite the fact that I told them I did not want any charges authorized. The account was frozen with no charges to be made. 

I complained about the charge, I told them I didn't want them to pay XXXX, and they reversed that charge. At that time I told them multiple times I wanted the account closed as they violated their promise and charged me without my consent. 

They continue asking for late fees on a charge I never authorized. I never wanted them to charge that amount, have called multiple times to tell them I will not be paying since they broke their verbal contract with me and that I wanted the account closed. They are continuing to send collection emails despite the fact that they are the ones who broke an agreement with their customer.
Consumer complaint received 2018-05-14
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. (FL)

My credit report shows hat the account was in arrears on XX/XX/XXXX to XX/XX/XXXX, for 30, 60 and 90 days respectively. This is inaccurate, and this should be removed from my credit report/ need a trade line deletion.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.