davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX, on account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX have been reporting false information on my XXXX credit reports, which have prevented me from obtaining credit from other companies and/or the correct credit score/report. 

In accordance to FCRA 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose XXXX XXXX account in question has been closed since XXXX  and all reporting data since has been incorrect. It is too old to be reporting to my credit report. it has been currently updated on my XXXX report as XXXX late payments and the current past-due balance of {$820.00}. There can not be an owed balance or late payments reported when the account has been closed since XXXX  The XXXX XXXX XXXX account has been closed since XXXX and is too old to still be reporting to the credit companies and on my credit report.
Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/ an authorized charge was made to my account. 
Claim number : XXXX A fake name of XXXX XXXX was used. The last name clearly was attempting to imitate my XXXX last name. There is no one in my household, family, or friends with a name or XXXX. 

Another fake name of XXXX XXXX was used in an attempt to mimic my wifes name of XXXX XXXX. These are OBVIOUSLY not our names and perhaps were used to not raise red flags when the scammers were stealing our card info. Im not sure, my banks job is to investigate, NOT MINE! 

The fraudulent purchase appears to be 3 tickets to an even in TENNESSEE, I live in XXXX California and I have never been to Tennessee. No other purchases were made in Tennessee if you look at my account. 

The bank refused to accept my dispute because they reached out to the merchant and the merchant verified the purchase was authorized Im not sure how my bank can take on business and not conduct their OWN investigation. 

1 - wrong name 2 - wrong email address 3- yes the scammers used my home address and had the card info Im sure thats what scammers would need to be considered scammers 4- wrong phone number Just because someone had my card info does not mean I authorized this purchase or {$760.00}! I notified my bank right away and they issued me a new card. Now they are refusing to accept the dispute even though I have stated time and time again none of the information is valid and this is clearly a fraudulent charge
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I appreciate your assistance in removing a portion of the data from my credit file that resulted from fraudulent activity. However, there are still item listed that need to be removed or blocked. According to FCRA section 605, you are obligated to eliminate any records associated with an ID theft report number. I have previously included this report in a letter, and I am including it again. I have informed my lawyer of my intentions, and they are prepared to hold you accountable for your persistent non-compliance. 
XXXX XXXX XXXX, 2023
Consumer complaint received 2023-04-17
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: EQUIFAX, INC. (MD)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-12-28
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: GREENSTATE CREDIT UNION (IL)

I had a credit card with GreenState Credit union that went to collections and was eventually charged off due to divoce. Green State Credit Union is reporting that I still owe the full balance on my credit report when this account has been settled for {$4900.00} and paid in full on XX/XX/23. In addition, I have tried to contact GreenState on XX/XX/23 but they have referred me to XXXX ( the collection agency ) who tells me that they have already reported to Green State that I have paid this account off and " would send an email to their Green State representative '' to find out why they haven't corrected my credit report. I have since called him back to follow up but have not heard back and my credit report is still wrong. Green State just keeps referring me back to XXXX but XXXX says that Green State is the company that needs to report the corrections to my credit report.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I XXXX XXXX XXXX indicates that XXXX Equifax and XXXX are reporting inaccurate and incorrect items on my credit account. 

After me successfully removing these items the 3 credit bureaus continue to add more incorrect items/accounts on my credit file which does not belong to me. 

I XXXX XXXX XXXX indicates that this problem has been occuring for the past 4 and plus years. I XXXX XXXX XXXX indicates that after me successfully disputing these items with 3 reporting agencies inaccurate items that the accounts somehow reappear and other incorrect items/ accounts are open in my name. 

I also state that the 3 reporting agencies make me wait again after I successfully disputed these items. 
I ask that you Please reach out to me if you may have any questions or concerns in regards to Serious federal Consumer fraud I ask that you Please see attachment below please and Thank you, Thank you, Best and kind regards XXXX ( XXXX ) XXXX XXXX XXXX and subsidiary violated the FCRA by failing to remove inaccurate or incomplete eviction records from consumer reports, harming ability of people to obtain housing
Consumer complaint received 2023-12-12
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: JPMORGAN CHASE & CO. (VA)

Started as a cold call saying that they are partners with XXXX and they can feature my business on XXXX and they need to interview me to see if my business is eligible to be featured. The " interview call '' did not mention XXXX and they started selling chatbots on my website to attract new patients. Despite many times " I said NO I am not interested '' the salesman continued to harass me and offer me lower numbers and deals. His last attempt was to offer a 60-day money-back guarantee if they failed to provide a specific number of new patients. The salesman shared a document with me and started talking only about the money-back guarantee and had me sign. I later received an email with 2 documents, one was a contract saying I have literally no rights as a customer and I can not even report it to my credit card company plus have no right for any refund, The second document was the 60-day money-back guarantee. I found out that they charged my credit card {$4700.00}. I emailed the company immediately to cancel, I kept calling, and no response. Until I spoke with XXXX XXXX who said no refunds even XXXX did not provide any service plus they don't treat customers differently. I found out from their XXXX reviews that they have refunded others. 
I reported the issue to my credit card company, Chase Bank, and they said because of the signed contract, they can not do anything. XXXX informed me that because I disputed the transaction with my bank, I am in breach of the contract.
Consumer complaint received 2023-12-11
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. (FL)

This letter is a formal complaint that you are reporting UNAUTHORIZED INQUIRIES on my Credit Report. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian : 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 2023-12-12
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (CA)

I contacted the company ( credit collection services ) regarding a {$54.00} debt that has made a negative impact on my credit. i deicide to settle for {$21.00} for the first time the company claimed it was insufficient funds when they attempted to take funds from the account which was false the funds was available. i then tried a second time to settle again and now they stated i needed to make a payment for {$25.00} in which i did and this time funds was taken out my account both times. I asked for a letter and also a receipt and i was told it will be emailed to me once funds has cleared. funds has been cleared and i still have yet to get a notice to take the negative mark off my credit report and also the transaction. this negative mark is hindering my score so much which the negative mark and i asked for this to be verified in which i still have not received anything stating an itemized bill on how do i owe {$54.00} to XXXX XXXX XXXX XXXX. This company has caused me not to obtain a place to live for me and my children because of the negative mark on my credit.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

My right to privacy as a consumer has been violated. FCRA 15 USC 1681, 15 USC 6801, 15 USC 6802. Any and all consent to XXXX, XXXX, XXXX, capital one, XXXX XXXX XXXX, XXXX whether verbal, non-verbal, written, implied or otherwise is revoked. Additionally,15 USC 1681C ( a ) ( 5 ) clearly states that no consumer reporting agency may make any consumer report containing any of the following items of information, other than convictions of crimes which antedates the report by more than seven years. And finally, in accordance with12 CFR 1016.7, I am opting out of your reporting services.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc. (NC)

Over 2 1/2 years ago , XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX , MA began adding derogatory notices to my credit report. I called them and asked what this was, and they said it was an unpaid bill of {$130.00} with XXXX XXXX XXXX ( Who I've never used ). I disputed this information and was told that they " would look into it ''. A year later, I saw that they were still reporting on me, and I called back. After listening to them say that the information I gave them is not in their system, I demanded to speak with a supervisor. After explaining all of this again, the supervisor said that they had attached this account to me in error, and they would correct it in 30 days. They did not. I called the credit reporting agency, XXXX, who claimed that they would investigate and get it corrected. All I can see is that they did was add a note that " Account information disputed by consumer under the Fair Credit Reporting Act ''. 
In the meantime, my credit rating has gone down XXXX points because of XXXX XXXX XXXX ' fraudulent claim that I owe money. XXXX XXXX XXXX claims, once again, that they will correct this, but they still have not contacted the credit reporting service.
Consumer complaint received 2024-04-17
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. (NY)

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Employer - XXXXXXXX XXXX XXXX XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX Incorrect XXXX : - 1985 Employer - XXXX XXXX  Incorrect Name : - XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX Listed below are the Inquiries that are being challenged 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  Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Consumer complaint received 2023-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PLANET HOME LENDING, LLC (CA)

Planet Home Lending as you can see from the text message .When i found out the XXXX XXXX RESIDENTIAL CONFORMING LOAN was a refi THE PROPERTY WAS FREE AND CLEAR I TRIED TO GET HELP WHY Planet was saying it was commercial the appraisel show its small income residential conforming .My insurance since 1996 has it that way The appraisel shows it as residential and with the zoning of the proper use all conforming seperate meters lot size NOTHING SAYING IT WAS COMMERCIAL. I was furious when i called over and over no one could give me a answer. I can supeonia the peoples names that told me some information about how they add things to a file.Mary put a man on the phone HE WAS FROM TEXAS HE SAID HE YELLED AT ME SAYING IT WAS COMMERCIAL AND THATS THAT.I remember him saying he had a paper i signed I NEVER SIGNED ANYTHING EVER THAT WOULD JEOPARDIZE THE PROPERTY TO BE USED AGAINST WHAT IT WAS ZONED FOR OR WHAT THE INSURANCE INSURED IT FOR IF IT BURNT DOWN I COULD NOT REBUILD IT PLANET not only as my documents prove it sends letters saying you are in default when you are not please read the documents every attempt is made to defraud the consumer ... ... ... ... ...... ..intimidate mislead WITH MALICE AND FORTHOUGHT THEY BELEIVE THEY ARE ABOVE THE LAW I HAVE PROOF IN A FILE THAT IAM SENDING NEXT
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I have asked the credit reporting agencies to properly update my information I provided. accounts just poping up reporting inaccurate and lowering my credit worthiness score. with credit score being such a key factor in companies approval process this has now become harmful to me and my family. they have not done any updates to my credit profile.
Consumer complaint received 2023-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC (CA)

Planet Home Lending EVERY YEAR SOMETIMES EVERY XXXX  MONTHS sends letter they are adding insurance.My insurance company has been in business in XXXX FOR XXXX  YEARS the founder ran for comminisor of insurance in CALIFORNIA. Planet adds the insurance when they have the binder showing property is insured.I am uploading the proof .Sometimes they remove it, its a full time job to keep up with thier tactics.They even supply fax # and phone # that are XXXX.I had a pin number given to me that took me to another site they use to redirect consumer asking to get a copy of their account.I will supply that also.The insurance binder shows from year to year .Yet Planet sends letter in XXXX to say they are adding insurance, WHILE THE BINDER IN THEIR SYSTEM SHOW NOT FOR RENEWAL until XX/XX/2023 I gave you the proof in the uploaded file
Consumer complaint received 2023-10-05
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. (VA)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 2024-05-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I called into to talk to capital one about a possible payment plan since I had made a large payment on the account and I was hoping I could be elgible for payment plan now. They told me they could not even look at options wihtout me making a payment. I told them I could next week when I was paid and they told me they could not help me or even discuss without a full payment. I explained how my Husband on the loan with me ( XXXX XXXX is out of work and is being seen for mental health issues and I can affod the vehicle if I could just get current. The last time I called in the said the same thing I needed to make a payment and now that I did, I was thinking I would be able to be put on a plan. But still no.. 

Now I find out Capital one returned my payment, and my bank charged me a stop payment fee. The payment was tried again by my bank but now my bank account is overdrawn with the fee.. I am hoping tomorrow I can have my bank fix the fee to bring my account current but why would capital one stop my payment after they insisted I needed to make another. 

I also have no idea what my account status is, when I log in all it tells me is I need to call in, when I did on Friday XXXX, the rep still didn't tell me just the dollar amount and that I needed to make at least one payment. I am at a loss and need my vehicle to work and if I do not have it I will not have an income.
Consumer complaint received 2023-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC (CA)

THIS IS A ADDITION TO PRIOR COMPLAINT TO CFPB # XXXX I NEED TO UPLOAD THE PROOF FROM THE TAX OFFICE OF REFUNDS THE TAXES I PAID SENT TO THE TAX DEPT AT PLANET HOME LENDING THEY REFUSED TO ACCEPT IT FOR THE SOLE PURPOSE OF ADDING FEES PUTTING ACCOUNT IN A PROBLEM THAT THERE IS NO RECOURSE OTHER THAN TP FILE ANOTHER COMPLAINT I CAN NOT CONTINUE PAYING TAXES THAT GET REFUNDED BACK TO ME AND THE LENDER WHO DOES NOT ALLOW MY PAYMENTS TO POST 90 DAYS SOMETIMES AFTER TAX IS PAID PLANET KNOWS THAT REFUSES TO ADDRESS THE ISSUE .ALL OF THE LETTERS FROM THE TAX OFFICE SHOWING THE {$700.00} CREDIT XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$650.00} + {$380.00} FROM MYSELF AND THE {$760.00} XX/XX/XXXX NO WAY IS A ESCROW ACCOUNT {$1200.00} ON XX/XX/XXXX I PAID {$54.00} TAX OFFICE SHOWS MY PAYMENTS REFUSE TO CORRECT EVEN WITH PRIOR COMPLAINTS TO CFPB EVEN WROTE LETTERS THAT WERE NOT TRUE
Consumer complaint received 2023-12-19
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)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX