davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-22
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-24
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACQ Holdings, LLC. (TX)

I recently talked to this company about this debt I'm not quite sure why I'm owing this much it was about {$500.00} and some the time I talked to him and we set up a payment arrangement to pay at least {$100.00} a month so I believe that XXXX is incorrect therefore I believe that this amount should be disputed ASAP
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (IL)

Received XXXX XXXX notification of hard inquiry made on XXXX by JPMCB Card Services. Change in credit score was lowered by XXXX. 

I have not applied for any type of credit recently either through cards, loans, etc. 


Thank you for your assistance in this matter.
Consumer complaint received 2017-07-17
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

I have been getting lots of mail to my home and place of business from Rushmore loan management services regarding a mortgage for a family member with the same last name as me who has never lived in Florida, I live in Florida, the owner of the loan lives in NY. I called Rushmore several times and asked to stop with the mails but they refused to. I was told by Rushmore to contact the individual and let them change it, I contacted the individual and did as they say. I NEED them to stop sending collection mails to my place of business and my home.
Consumer complaint received 2024-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

I XXXX XXXX contacted Experian XXXX and XXXX XXXX XXXX i also did many police report and ftc reports showing i was a victim of id theft i also sent many police report to block the reporting information i also contacted the companies XXXX XXXX and XXXX XXXX XXXX XXXX XXXX the compaines are listed in the police report i file on online due to the covid XXXX XXXX police station only have you to do id theft online report so they can limited the traffic from their offices i also did a report to many compaines they sold my information to like XXXX XXXX  and XXXX  i been back and forth with the compaines for bout XXXX XXXX im getting the run around even those thses compianes is selling my debt they are still holding on to the debt on my credit report and not proplery beibg on honest on the report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had XXXX debts from on me from these companies and experian fraud unit denied me of right i ask to block the information on my reports.XXXX  did as well and XXXX im a victim of hardship being in a XXXX XXXX i was not able to stay on top of the matter but i ask to get help from these companies taken advantage of me wile im having a hardship i almost lost my kids because experain XXXX  XXXX  denied me of my rights. XXXX XXXX XXXX XXXX didnt help they sent me and limbos to get to speak top some one they have many complaints from me on recored with the cfpb nothing was not done. i also have ftc report file they didnt honor as well i need help to get the matter control im not able to help my self at all and cant afford to pay the debt that other done i ask for help i also spokke to the attorney general had no luck i hoping you would get to the bottle of this i been taken advatage of from these compaines in would like some assistance i try to speakwith a few comapines but wasunable to be verify but experian, XXXX  and XXXX  said i was verify witch we all know it was not accurate .15 usc1681 ( i ) 15 usc1681 ( c )
Consumer complaint received 2024-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 2023-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch (TX)

XXXX through XX/XX/2022 is reporting as missed payments. I had autopayment setup and never had an issue in years with the payment systems malfunctioning. However I suffered identity theft and some cards were canceled while I was in the XXXX XXXX XXXX XXXX and other health issues that have caused the Veterans Administration to declare me XXXX XXXX  XXXX. I was in the hospital and NOT in the home during the time that they systems payment system failed to charge my account. I have never missed a payment and never intended to avoid paying this debt. I have never had trouble paying it. By the time this complaint has been responded to by Castle Credit, the account will be fully paid off with a one time payment of over XXXX. 

I am asking Castle Credit to please remove those late payments as I am not responsible for a breakdown in payment processing technology. 

I am a XXXX veteran. Please help me and have compassion. The stress of dealing with this is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I should not have to keep begging you all to do this for months. Please give me some relief. I beg you to escalate this to a manager who would be able to honor this request. You have you money. Please don't punish me for technical issues.
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (IN)

THESE ACCOUNTS AND INQUIRIES ARE NOT MINE .PLEASE BLOCK AND REMOVE THE FOLLOWING ACCOUNTS AND INQUIRIES. 
XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$16000.00}, XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX : {$0.00}, XXXX  XXXX Bankruptcy XXXX XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX/XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX/XXXX  Date of Inquiry XX/XX/XXXX.
Consumer complaint received 2020-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (FL)

I have an FHA loan with Freedom Mortgage. Around XX/XX/XXXX the bank gave me a forbearance status based on the CARE act. Today I decided to apply for a personal loan, and I was told that I couldnt receive a loan cause I was in forbearance. I thought that the banks would not be reporting on this forbearance status to the credit reports.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2017-07-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I have tried on multiple occasions to modify my 6.85 % homeloan with Wells Fargo and have been denied for multiple reasons over the years, but mostly because my debt to income ratio is too high. I have no consumer debt only a home.
I am on   XXXX   and have a  XXXX  child. Homelessness would drastically impact my medical care.
I have attempted to modify my loan through Keep your Home CA,   XXXX   XXXX   XXXX   , and  XXXX . I hav e been through their internal modification program no less than 6 times all to be denied help because my loan did n't qualify - not   XXXX   XXXX      XXXX   XXXX  , or FHA.
The last attempt throu gh   XXXX    g ave me a different reason for denial, my Net Present Value was too high.
I owe around  XXXX  on my home and have close to  XXXX  in equity. Wells has decided it would be cheaper to foreclose on my home than to help me retain the 21 years of equity I earned from my real estate investment.
As a  XXXX  woman, I find having to apply again and again to these modification programs only to be denied because of the home equity is infuriating and feels unfair.
Wells sold my mortgage years ago and has no invested interest in helping me. My loan is apparently owned by a holding company in the Far East.
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (OH)

I received an email from credit karma about my money spend account password being changed at XXXX on XX/XX/24. I did not change my password so I attempted to sign in but couldnt because someone else changed my password. So i reset my password and while i was in the process I received another email at XXXX on XX/XX/24 that my phone number on file had been changed which I also did not do. By the time I was on my account {$1300.00} and a fee of XXXX was instant transferred out of my account to a debit card that I didnt recognize the number to. So I contacted XXXX XXXX and filed a dispute for the charges. I provided them with all the information they requested and I received an email on XX/XX/24 that my dispute was denied and their investigation deemed no errors for the transaction. I called credit karma again today XX/XX/24 and filed an appeal on their decision and requested a detailed explanation for their reason to deny my claim. This is the second time in 3 months that someone has gained access to my account and taken my money. I even changed all my security settings and had them send a new card the last time. I have not used this card to purchase anything online and have never shared my password or any information about this account with anyone.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

There are inaccurate late payments reporting on my credit report, which I believe is misleading and misrepresents the nature of the debt in question. The entry reported as a late payment, in fact, a cancellation of debt that has been processed with the IRS. I have received a Certificate of Indebtness from the creditor, confirming that the debt has been officially canceled. As per IRS guidelines, this cancellation of debt is considered taxable income, not an unpaid debt. According to the Fair Credit Reporting Act ( FCRA ), only accurate and complete information should be reported on a consumer 's credit report. Since this represents a cancellation of debt and not an outstanding obligation, it should not be classified as a late payments. Reporting it as such is inaccurate and has lead to mis information to potential creditors about my creditworthiness. i received from the company a 1099c canceled debt. XXXX  has reported there is no active mortgage for XXXX XXXX. i have also opt out with the companies as well in written, unwritten, verbal, and nonverbal authorizations they have been opted out. The Credit bureaus have been Violating the Fair Credit Reporting Act ( FCRA ) definition of accuracy under Section 1681e ( b ) requires a focus on objectively and readily verifiable information, which may require consumer reporting agencies to accurately report information derived from the readily verifiable and straightforward application of law to facts.
Consumer complaint received 2023-06-03
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. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-05-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (WV)

I been banking with Chime for over 3 years and I go to sign into my account last night and it says my account is XXXX XXXX XXXX. I email Chime support and the only thing they said was that I did not comply to the deposit agreement but I get my son 's XXXX check direct deposit into my Chime account every month plus get child support deposit into my account too. I even called Chime and they said the same thing that I did not comply to the deposit agreement and that I would get a check in 30 days if any money is owed to me and I did have money in there. I talked to a chime supervisor and she said the same thing and nothing else other than I needed to email chime support I told her I did already and they did not give me any answers. I even emailed Chime support again and so far nothing. The account was closed on XX/XX/2023 and I never got a phone call about it.
Consumer complaint received 2024-03-06
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. (GA)

In accordance with the Credit Reporting act XXXX Account has violated my rights. 
. 15 USC 1681 Section 602 states I have the right to privacy.

.15 USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish a account without my written instruction.

.15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

I demand immediate action to remove the fraudulent items listed in my letter, as required by FCRA Section 605b. Your prompt compliance with this request, including notifying all furnishers, is crucial to rectify the identity theft damage. Failure to do so will result in legal action. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}, XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$460.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Filed : XX/XX/XXXX Status : Dismissed, and XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Filed : XX/XX/XXXX Status : Dismissed. Plese remove these items ASAP.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-11-30
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. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The Ohio Attorney General 's Office, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-06-03
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-14
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. (TX)

On Complaint XXXX - Equifax closed the complaint indicating that the issue has been resolved and that I need to be descriptive in my request. 

Here is the issue for the 5th time. I have requested documentation of validation from Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX for Equifax to provide me with the proof of documentation used to validate a bankruptcy that they are reporting on my credit file. To date, Equifax has not provided the documentation and continues to report this alleged bankruptcy costing me thousands of dollars in unnecessary interest as well as impacting my ability to obtain employment
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

RE : XXXX XXXX XXXX has been reported to Experian in the amount of XXXX XXXX XXXX and XXXX Dollars. XXXX XXXX XXXX has failed to send a initial communication letter to the consumer ( ME ) which is a violation under the FDCPA 15USC sec.1692g ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ect. XXXX XXXX XXXX has failed to notified me of debt therefore requesting Experian to remove this Collection from my Credit Report.
Consumer complaint received 2024-03-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC (TN)

You are reporting this collection with a past due amount of ( {$930.00} ). 
This is inaccurate reporting and needs to be removed immediately. Please send copy of my credit report when the above deletion has been removed. 
Sincerely, XXXX
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX is furnishing false and deceptive information to my credit report with XXXX XXXX, XXXX, and Experian, and possibly others. The company has somehow obtained and is using my private personal information together with other false information to set up this false account. The company 's actions are a result of identity theft. I already contacted the company to request certified proof of the alleged account and debt and to cease all credit reporting. Unfortunately the company failed to comply. This false information is ruining my credit reputation and damaging my household status. I am seeking redress to have the false information permanently deleted from my credit profile with all credit reporting agencies. I have attached my identification and identity theft report to this compliant.
Consumer complaint received 2023-06-03
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: Experian Information Solutions Inc. (MD)

Experian violated my rights under FCRA, 15 U.S. Code 1681a, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; If this statute is law, then you can not report any of the aforementioned on my credit report.