davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (OH)

My father who is now decreased, had been fighting an illegal foreclosure battle with Wells Fargo in XXXX. My father filed an appeal with local courts only to be denied. To sum it up he lost his home was forced to relocate etc resulting in financial hardship. I am the heir or next of kin. In recent light of the Wells Fargo settlement case I would like to know how and what is needed to move foward and receive compensation for the settlement for said claim for the financial injuries that occurred within the above-mentioned time frame.
Consumer complaint received 2023-11-16
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. (CA)

I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.
Consumer complaint received 2023-05-08
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. 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 XXXX XXXX XXXX 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 an 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 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TX)

I filed bankruptcy in XXXX in XXXX and put this car on it. During my bankruptcy Ive paid off the car within the bankruptcy. The final dispersement payment was on XX/XX/XXXX for {$110.00}. They said the only payments they have received were that 1 and 2 more leaving my balance at XXXX XXXX and some change. I have court documents of like 20-30 checks dispersed to the company. They told me they gotten only 2 checks. I have court documents that say they received all payments for the car and there is nothing left in my bankruptcy trustee account because they've gotten the money. All I want is for the information to be corrected on my credit report before I have to call my lawyers back up. The company is known for crooked tactics by the XXXX  they have like a 2 star rating for good business. They told me the car is up for repossession and it's paid off which is the craziest thing Ive heard iny life.
Consumer complaint received 2024-03-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (FL)

XX/XX/2024 - Contacted XXXX XXXX XXXX, XXXX via email regarding XXXX accounts. Received information on XXXX account, showing a balance of {$250.00}, significantly lower than reported on credit report. Requested further validation of debt. 

XX/XX/2024- XXXX XXXX XXXX informed account placed in dispute ; awaiting validation from XXXX XXXX before resuming collection activity. 

XX/XX/2024 - Followed up with XXXX XXXX XXXX, informed account returned to XXXX XXXX. XXXX Credit Collection Service reporting both accounts on credit report. 

XX/XX/2024 @ XXXX - XXXX contacted Credit Collection Service, representative XXXX requested {$1.00} fee to review information for debt validation, violating multiple laws.
Consumer complaint received 2024-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

I AM UNAWARE OF THIS ALLEDGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL & CERTIFIED TRACKING # WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT PRIOR TO REPORTING THIS ALLEDGE DEBT ON MY CONSUMER REPORT.
Consumer complaint received 2024-04-12
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. (NY)

I had 2 -3 disputes over the months with Transunion XXXX and XXXX for inaccurate accounts and yet nothing was done it was updated and verified with the same inaccurate info. nothing was being done and yes I had reported this issue to the CFPB and nothing was done. now I have sent letters to all the creditors on XXXX I will upload my proof
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM THIS MAY CONCERN, I AM A VICTIM OF ID THEFT ; THOSE ACCOUNTS ARE NOT MINE ( XXXX XXXX XXXX FOR {$1600.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX FOR {$1600.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX FOR {$2500.00} OPENED XX/XX/XXXX ) ( XXXX XXXX FOR {$130.00} XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXXXXXX FOR {$2800.00} OPENED XX/XX/XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX FOR {$120.00} OPENED XX/XX/XXXX ) ( XXXX XXXX FOR {$1600.00} OPENED XX/XX/XXXX ) You are violating my rights! by reporting these accounts on my report I request that you provide evidence. 
to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and its permissible purpose. I am giving you 30 days to investigate the matter and determine, whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.
Consumer complaint received 2023-12-02
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (GA)

There is an account on my XXXX Report from XXXX XXXX XXXX XXXXXXXX the Creditor Information is below. 

RENT RECOVERY SOLUTI XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX AMOUNT : {$62.00} However, I am not aware of this charge and have no knowledge of this account. Therefore I filed a dispute to all Credit Bureaus and all removed this account except XXXX. I do believe this account should be removed from XXXX. Hope you can help.
Consumer complaint received 2023-11-16
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. (AZ)

CFPB Writeup : 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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 16811 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2024-03-15
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: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX I called experian And i spoke with a XXXX for about XXXX mintues she was very hostile I explained to her my situation and explained to her How i filed a complaint with the CFPB. COMPLAINT NUMBER XXXX back in XX/XX/XXXX and I told her experian responded and stated this 'DESCRIPTION OF NON-MONETARY RELIEF Per your request to conduct a reinvestigation, we contacted the data furnishers vendor for disputed item on your Experian credit report and asked them to verify the accuracy of the information with which you disagree. They responded and verified the information is not listed on your Experian credit report. The results summary was sent to you for review on XX/XX/XXXX. ' i WILL ALSO PROVIDE DOCUMENTS IN SCREETSHOT. 

XXXX stated she dont see where it was ever removed but as i stated i have the call when I reached out to experian confirming that the account was removed XX/XX/XXXX. So i asked XXXX do you mind being recorded she said No i dont give you authorization to be recorded ( sounds fishy ). I asked her do she have record of the cfbp complaint i filed so we can go over it so she can look at what her company responded and said she stated " NO SHE DOESNT HAVE RECORD " AGAIN WHICH IS SUSPECT.
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc (DC)

On XX/XX/2024 I started to receive emails related to a Chime account that had been opened in my name. I did not open this account. It's likely someone has access to my social security number, but this shouldn't have been sufficient to open a new credit card account in my name without any number of additional authorizations. 

When I called Chime to ask the account be closed, the customer service rep was unable to pull up the account unless I also provided other personal information such as my social security number. I was unable to provide this, and the rep would not transfer me to someone who could. 

Eventually we were able to look up my account by my email address, but the rep was unable to tell me if there was a balance on the account, or how the account had been opened in the first place. They were able to close the account, or at least I received confirmation of closure, but it was a very painful process with no guarantee it won't happen again. 

My feeling is that the company is well aware of its security holes, and either isn't interested in paying to fix them, or actively encourage fraud in order to get money from people who aren't paying close attention.
Consumer complaint received 2024-03-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (NJ)

On XX/XX/XXXX I sent a notice of dispute to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX to dispute the account XXXX. I never received validation or a response. On XX/XX/XXXX I receive a letter from a debt collector dated XX/XX/XXXX stating this is an attempt to collect a debt. I was confused because XXXX  has an arbitration agreement that clearly states I have a right to arbitrate so I sent out a letter on XX/XX/XXXX I sent out a letter requesting arbitration. I received no response. Clearly XXXX  is in violation of my rights as a consumer by selling my information to a third party debt collector without my permission. I asked that this account be removed from all consumer reports, ( XXXX, XXXX, XXXX ) closed and brought to a XXXX balance. I also ask that I be compensated for monetary damages as XXXX  is in violation of their arbitration agreement and the FCRA by selling my information to a third party without my permission.
Consumer complaint received 2023-11-16
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-08-01
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. (GA)

I have made several attempts to dispute the presence of accounts on my credit report that do not belong to me. Despite multiple submissions of disputes and FTC Reports, these accounts are still being reported. It is disheartening to see that these companies have chosen not to address the disputes as mandated by the law.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Entrata Inc. (FL)

I applied for an apartment with XXXX  at XXXX XXXX XXXX XXXX XXXX, XXXX  and I was denied due to a false criminal record from a background check by ResidentVerify. On XX/XX/year>, I received correspondence from XXXX  at XXXX XXXX on behalf of ResidentVerify stating that ResidentVerify uncovered a criminal record in my name. I called ResidentVerify and ResidentVerify falsely stated that I have a criminal record from 2023 in North Carolina, despite not being in North Carolina in 2023. However, I do not have a criminal record, and had have verified with another background check company called XXXX XXXX XXXX that I do not have a criminal record. ResidentVerify opened a dispute, to which I provided documents from XXXX XXXX XXXX stating that I have no criminal record, and my FBI background check, in addition to a screenshot from North Carolina 's court record search stating that I have no criminal record.
Consumer complaint received 2023-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (MD)

I entered into a payment plan with Chase, for a {$1000.00}. The clearly stated terms were a 12 month plan at {$5.00} a month. 

I made purchases during the current month for {$2800.00} and had returns of {$600.00} ( amounts are approximate ). Rather than apply the credits to the amount owed ( i.e. the {$2800.00} ), the credits were used to offset amounts included in the payment plan and my current amount due is {$3400.00}, despite the fact that only {$2800.00} in purchase were made. 

The payment plans market one type of service ( i.e. pay off over 12 months in equal installment ) and they do not clearly state how credits will offset current amounts. The essence of a payment plan is to help consumers, not make them worse off, as in my situation. Supposedly this located in disclosures ; however, disclosures are not readily available from their site while using a phone. 

I contacted chase and their employees were unable to answer any questions other than this is the standard practice. I had them explain, over a recorded conversation, how credits are not offset against an actual purchase but against a current balance due. This breaks every rule of how credits are to offset an actual purchase, as far as accounting XXXX is concerned. 

From my point of view, the way the credits were used to offset my outstanding balance is a scheme to make a consumers obligations higher than actual amounts due, so that the Chase could potentially earn 1/12 of 20 % interest on the full {$3400.00} due, as opposed to the {$5.00} monthly fee of the installment plan. Again payment plans should help not hurt consumers.
Consumer complaint received 2023-11-16
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. (GA)

I Recently went to apply for my first home. My agent suggested me to download XXXX, from there i noticed an extreme amount to hard inquiries that i did authorize, and that i had damage to my credit report. According to the 15 USC 1681 law, there should not be any damages on my credit report. This is a defamation to my Character.
Consumer complaint received 2023-04-10
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 my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX : {$4600.00}
Consumer complaint received 2024-01-24
Product: Credit 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: SYNCHRONY FINANCIAL (FL)

I was asked to sign an application for CARE CREDIT without any verbal explanation from the credit card company or the doctor 's office. I was not given advanced knowledge or details of this debt until after the services began. I was never contacted by CARE CREDIT about my ability to take on this debt. After 30 days I was told that they had closed my previous claim without ever trying to contact me in person. I feel like this is a case of fraud against an elderly person and I wish to continue my complaint against them. I will try to hire an attorney to seek their help. This case is not CLOSED in my mind. The office person who signed me up with CARE CREDIT no longer works in their office and I am not able to reach him. 

XXXX XXXX
Consumer complaint received 2024-04-12
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: EQUIFAX, INC. (FL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action.

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible.

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2018-09-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (LA)

I really do not know where to start at, I have been dealing with SPS- Select Portfolio Servicing since 2015, trying to do a deed in Lieu that I was approved for, due to me facing hardship at my job which caused me not able to keep my home, then I received a letter stating I did not have all the paper work I sent, I re-sent in all paper work via fax, next day postal service, an email and its the same story over an over now we are still here years later with the same issues we have found a realtor who is trying their best to help us yet are felling like what is really going on an why is it so hard to get results on a simple issue, granted no Deed in Lieu to transfer home back over, found a buyer to buy the house sent in all paperwork an still getting letters stating we are missing documents, every time we call its the same thing over an over we have sent in so much paper work Im tired I can not take it no more, SPS is very unprofessional no one knows anything, every time you call you get a different answer. they claim we had a relationship manager who we never spoke to accept once. SPS are sending us through the ringer an back, an its very sad to have to be putting up with this for over two years. I just feel this matter is above my head right now that is why I am looking for other resources to help me an my family now because enough is enough