davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Dear CFPB, This is a request as authorized by the FCRA. 611. 

Under 15 USC 1681 I, I would like you to re-investigate the item below on my credit report that is misleading & not 100 % accurate. 

If the item in dispute is NOT 100 % accurate, I demand for the item below to be removed / permanently deleted by Transunion, LLC from my credit report. 

This information reporting by TransUnion, LLC has adversely affected my credit worthiness and hampered my chances of acquiring new credit. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), I demand that the following item on my credit report be verified and removed : Under Accounts with Adverse Information Section of my Credit Report : XXXX XXXXXXXX XXXX Acct # XXXX Balance : {$1500.00} Monthly Payment : {$110.00} Reporting Correctly : Current & Pays as Agreed ( Attachment # 3 ) Reporting 30 days late on XX/XX/2022 ( Attachment # 5 ) In short, TransUnion refuse to furnish me with the following results; ( 1 ) A description of the procedure used to determine the accuracy and completeness of the information furnished by TransUnion , LLC . 

( 2 ) The business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with such information ; Please Note : FAIR CREDIT REPORTING ACT / REGULATION V Section 623 of the FCRA and Regulation V generally provides that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnisher must investigate a consumers dispute that the furnished information is inaccurate or incomplete. 
Furnishers Obligations for Consumer Credit Information Under the CARES Act, FCRA, and ECOA ( XXXX XXXX XXXX ) Duty to Provide CRAs with Accurate Information Prohibition on Reporting Inaccurate Information. Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, it may not furnish information relating to a consumer to any CRA, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is, in fact, inaccurate.18 Credit Reporting Agency are now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section 1031 of the Dodd-Frank Act ) Sincerely Submitted, XXXX XXXX
Consumer complaint received 2024-01-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (OR)

I have been trying for 3 days to complete a loan consolidation. I was told by the university to complete it with my servicer, Mohela. The folks in customer service have been helpful but there is a broken link on the site and no way for the folks on the phone to fix it. I can not complete the consolidation until it accepts my info. My screen shots are below. The CSR says that there have been no complaints of having broken links. Someone needs to fix this. Ive called and emailed the addresses on the Mohela website as well as tried to call, only to be hear that those phone numbers dont work. They say I have an {$11000.00} back billI am trying to consolidate this. The University has put this in forbearance for a month.
Consumer complaint received 2024-04-08
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (NC)

XXXX. Money order lost - called Western Union phone call center and was directed to complete a web form XXXX. Web form submitted to western union on XXXX XXXX. XXXX reply dated XXXX stated would hear back in 30 days XXXX. As of XXXX never received response as advised in XXXX automated email - iCare case number is ******* with Western Union XXXX. On XXXX called Western Union customer service line. Phone rep failed to understand issues and was not attentive XXXX. Phone rep stated case was closed on XXXX but no case disposition communication was sent to me XXXX. According to rep case was closed citing inadequate documentation- the grocery store receipt was attached and the supermarket could not provide me with the serial number of the money order. 
XXXX. Western Union FAILED to follow up as promised in the communication dated XXXX by email XXXX. Western Union did not respond and failed to meet its fiduciary duties and responsibilities XXXX. Over 30 days have elapsed with no response from Western Union even though they acknowledge receipt of the lost money order case in writing
Consumer complaint received 2024-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (FL)

On XX/XX/2024 I contacted Newrez Loan Servicing by email. I requested to have my XXXX removed from my loan since I reached the threshold of this being able to occur. I spoke with my prior mortgage finance company three years prior ( before Newrez purchased my mortgage ) and they advised I would need to be living in my house for 3 years along with the loan to value falling below 80 % before XXXX could be removed. These requirements have both occurred and Newrez instructed me I would need to put that request in an email. On XX/XX/2024, Newrez emailed advising they received my request. I followed up on the request a few weeks later over the telephone with loan servicing and was told that Newrez will not remove the XXXX off my loan because of how bad the economy is and that it would cost me {$800.00} to request to have my loan looked at but in their opinion they are not seeing Newrez remove the XXXX for anyone as of lately. The customer service rep. advised she would send me the documentation to complete, but ultimately the XXXX  would not be removed.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MA)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (CO)

This debt is being reported as a charge off. I have not been supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, therefore any such debt in fact therefore exist.
Consumer complaint received 2024-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I went to the bank with my father and he endorsed a life insurance check to me at JP Chase and Morgan Bank. From the death of my loved one. While I was XXXX my father had to handle my affairs which the life insurance signed a check to him. In the bank we provided two forms of identification, following call the next day with a mobile verification after the check cleared, I went into a JP Morgan branch, and tried to withdraw some money from the account they denied me access to the account and told me that my account was restricted, even though I gave them proper forms of identification along with my bank account number. They told me to call the fraud department, even though there was nothing wrong with the check my father endorsed to check over to me. Ive played phone tag with them for three weeks and they are giving me runaround answers about why they are not letting me have access to my money. Which is now delaying my payments, and making me late on bills that I didnt intend to inquire. I have no way of paying these bills and its severely putting me in debt. I told them I was going file a lawsuit about the way they discriminated against me, let alone withholding my money. To which their response was theres nothing we can do and do whatever you have to. In return, they close my account without my acknowledgment, and suspended my funds. Due to a verification system that is faulty and not using the two forms of identification process that we did inside the bank with the manager. We have been pressing the issue, and nothing is still being done. Nobody is doing their job, in order to resolve the issue.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (MI)

LexisNexis continues to report inaccurate information on my consumer report without my permission and they do not have authority to do so. My name is XXXX XXXX there should be no other names on my report, my ONLY address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX deleted any other addresses. Any number listed is not mine and should be deleted immediately. Furthermore my name and any other property belonging to the estate of XXXX XXXX is copyrighted and LexisNexis does not have the permission from the estate to use the likeness of any of it's property to sell for profit of LexisNexis. Since I have equitable interest in my estate this encroachment has caused me serious harm.
Consumer complaint received 2024-02-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HOVG, LLC (PA)

I was away on XXXX 2 times from XXXX and then from XXXX XXXX. I pulled my credit report and saw items, addresses, and collections that did not belong to me. I notified all of the companies listed on my credit report and all they did was update information that did not belong to me and was a result of fraud. I notified the credit bureau also and they verified the information.
Consumer complaint received 2024-01-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (LA)

THE HEREIN MENTIONED DATA FURNISHER AND/OR FINANCIAL INSTITUTIONS USED DECEPTIVE AND UNFAIR METHODS TO OBTAIN CONSUMERS CONSENT TO DISCLOSE PRIVATE, NONPUBLIC FINANCIAL INFORMATION TO THIRD PARTIES WHICH INCLUDE BUT NOT LIMITED TO XXXX XXXX XXXX XXXX, AND XXXX AFTER FRAUDULENTLY OBTAINING CONSENT THE HEREIN MENTIONED DATA FURNISHERS, CREDITORS, AND OR FINANCIAL INSTITUTIONS THEN USED THE CONSUMERS IDENTIFYING INFORMATION TO FURNISH INFORMATION TO CONSUMER REPORTING AGENCIES, BREACHING
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Credit Karma (MN)

XX/XX/XXXX and XXXX, I received emails stating my Credit Karma account was locked. Prior to, I didn't receive anything from Credit Karma stating my account was potentially fraudulent or if there were suspicious activity on my account. My 1st call to them was XX/XX/XXXX, I inquired about why my account had been locked and what's the process of getting it unlocked. They told me in 24 to 48 hours, I would receive an email with the details of why my account was locked and how to get it unlocked. I wait 4 days and I still have no email so I call again on XX/XX/XXXX. They said I had to wait on an email from the investigation team and they can't tell me the time frame of how long that will take. As far as the people who have dealt with this situation have proclaimed Credit Karma and XXXX XXXX are practicing dangerous tactics that keep people from access their money. They freeze your account and you wait for weeks and weeks on end to get a email to verify your account then you wait more time to still not get access to your account or money. There were no fraud or suspicious activity on my account so its very strange that Credit Karma would lock/freeze my account out of nowhere. To put the icing on the cake, they did all this after I received my tax refund advance and now I'm waiting on my actual refund and my account is locked/frozen.
Consumer complaint received 2023-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (PA)

I deposited a paycheck by mobile deposit on XXXX and was told that funds will not be available until XXXX  I have contacted Chase several times and gotten conflicting information. I have been with the bank for 3 years and have deposited payroll checks both by mobile deposit and direct deposit.
Consumer complaint received 2024-02-28
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (IN)

Vanilla Gift Card Dispute Case XXXX - Unauthorized Transaction {$500.00} The dispute case was created on XX/XX/2023 and the request was to resend the gift card. I never received the card irrespective of numerous calls to the customer care. The customer care person has no clue on the status of the case for the delay.
Consumer complaint received 2024-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current (WA)

I stayed at the XXXX XXXX XXXX in XXXX, WA XXXX XXXX XXXX and used my current card to pay the {$50.00} security deposit at the hotel. The hotel has since refunded that {$50.00} deposit, I have multiple emails confirming both that it was refunded and that I did not incur any expenses that would have reduced that refund directly from the hotel. Current is refusing to release the {$50.00} to me until it has been 30 days despite seeing that the hotel has in fact sent it back to me. I cant afford to wait 30 days, and when I paid the deposit it was with the expectation that I would receive the deposit back to my account within 1-48 hours of checkout. I stay at hotels several times a month, never have I had to wait more than 48 hours for my deposit, and typically receive it back the same day I checkout. I would not have been able to afford the hotel stay under the parameters of being forced to wait 30 days to receive my money back. I understand the longer the bank can hold the money the more money they can make by investing it. But it is my money. Not having it is significantly affecting my ability to pay my bills and there is no reason they should hold it from me for 30 days when the hotel has told them to give it back to me on the XXXX.
Consumer complaint received 2024-02-13
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CCF Intermediate Holdings LLC (MI)

I was approved for a payday loan from the following business : Check Into Cash, address XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX on XXXX, XXXX XXXX. I've been using their payday loan service for a number of months and each time I receive a payday loan they refuse to give me the proceeds in cash. Regardless of what day our time I go to their location they tell me that they do not have the cash on hand to give me the full payday loan in cash. Instead, they offer me a XXXX XXXX XXXX  card in which they put half the amount of the payday loan on the card and then give me the half in cash despite having a sign posted that says I am entitled to receive my payday loan in cash. This leads me to believe that if I do not accept half the loan on the XXXX XXXX XXXX  card and half the loan in cash that I will not receive the payday loan. There are posters and flyers all over their office location to promote the XXXX XXXX card which is loaded with fees and has no real customer service available to help with disputes. This has gone on for 10 consecutive months and I have not received a single XXXX  in penalties from them ( Check Into Cash XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ) for which to the best of my knowledge, I am also entitled for refusing to pay me in cash.
Consumer complaint received 2024-02-13
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CREDIT ACCEPTANCE CORPORATION (OH)

Credit acceptance is tryna garnish my pay checks for a car that they sold years ago and I let them take the car I told em I couldnt pay for it anymore I couldnt afford it they took the car they sold it I moved on and years later they sending me a letter in the mail saying they are suing me then the saying if I dont make a payment of XXXX dollars then in 15 days they are gon na start garnishing my pay checks I have nothing I can barely afford to live Im catching the bus as we speak I just dont think this is right they been harassing me for the pass year and the pass couple weeks now I just want justice they car was XXXX and it was a XXXX  XXXX they ripped me off from the start it was my first time ever getting a car through them my first ever repossession and my last im on the bus and they still wont leave me alone they tryna get a money judgement in court to garnish my wages please get em to stop help me please
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CO)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (GA)

I have already provided the necessary documents for identity theft as well as proven the information has multiple inconsistencies across each credit bureau and requested that the validity of the accounts be properly verified. All parties have failed to provide me that proof. I have also found a publication on the IRS website in which the IRS defines a charge off as gross income ( Section 61 ( a ) ( 12 ) of the Internal Revenue Code specifically includes income from discharge of indebtedness as gross income. ) INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting inaccurate and fraudulent!
Consumer complaint received 2024-02-13
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION (CA)

In XX/XX/XXXX, I applied for a mortgage loan. I was alerted by the lender that I had a collection on my credit report for {$4400.00}, which was opened on XX/XX/XXXX ( ironically my birth day and month ). I contacted the original loan company Checkngo, and advised them that this debt was not mine, and they indicated that they had no debt found with the information that I provided. I have not been contacted by the collection agency, XXXX XXXX XXXX. I have also filed an FTC packet. This error has NOT been removed from my credit report to this date.
Consumer complaint received 2024-04-05
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: Experian Information Solutions Inc. (CA)

I started a claim for incorrect entries on my credit report and requested that information be researched and once researched to remove from my credit. When I received the updated report it had XXXX accounts on my credit that was not mine.
Consumer complaint received 2024-02-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (NC)

I have not supply proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exist. 
This debt collector has not provided me proper debt validation for this average debt. 
The List of accounts below has violated my federaly fipteispute suastiner rights to prifarcy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 a thout my written instruct 15 U.S. concur.

consume items of in information action States : no ency may make any XXXX staining any of the following Any other adverse item of XXXXXXXX XXXXt by more a consumer to any consumer reporting agency it the pers