davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 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 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$280.00} XXXX XXXXXXXX Balance : {$20000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I deposited a check for {$1000.00} On XX/XX/2023 Chase Bank thought that this was suspicious activity and put a hold on my check until the XXXX which they said would clear and my account would be unrestricted however after the check cleared in my account for {$1000.00} they came up with a new issue and said they needed to verify the check with the issuing bank bank XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX confirmed my name and that the funds we're available and the check cleared however then they came up with another issue wanting to know the third XXXX bank information from which I use the bill pay XXXX  XXXX XXXX does not validate third party information with that being said the check cleared XX/XX/2023 now chase has restricted my account and will not give me access to my funds. and have claimed that they will never release the money until XXXX  XXXX XXXX gives them third party information this is very unusual and no bank verifies third party information therefore I have no way to get my money
Consumer complaint received 2023-09-27
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P. (FL)

I dispute the debt for validation, the consumer could not provide me with validation but only to send me a statement.I requested a signature contract proving that I allegedly owed them a debt and asked them to cease and desist collection efforts and to remove any negative remarks from my credit report. The consumer also shared my personal information without my written consent with another company.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mortgage Research Center, LLC (FL)

In XX/XX/XXXX we filed a complaint against Veterans United Mortgage bank. The complaint was because in the month of XXXX of XXXX, our mortgage bill was close to XXXX XXXX dollars more than the actual monthly payment. We called the bank to find out why but no one in the call center could explain to us anything. In one of the many calls, we were told that the bank had paid something off and now they wanted the money back, but with no other explanation or break down of what they paid. On XX/XX/XXXX, my husband had a conversation with XXXX in the call center, and my husband questioned her about the escrow being so high, he told her that we had already received the property tax and we have the home insurance numbers. XXXX requested to have the documents faxed to her. The documents were faxed the same day and we waited for a call back. Because of the holydays we could not get any response or help, so in XXXX we began calling again and still no call back or no acknowledgement that the documents had been received. Meanwhile again we sent in our regular payment and again we disputed the difference because we are still waiting for an explanation for the fees. Unfortunately, we did not receive a response son on XX/XX/XXXX, we filed a complaint with you the CFPB, and on XX/XX/XXXX, we get a call from XXXX XXXX from the management team. We explain to her what was happening and she said she was going to do an investigation. We finally got the answer and a break down of what happened they apologized for the inconvenience however they reported us 3 times late on our mortgage. That reporting damaged our credit and that will not change till XXXX. We were the ones proactive on this matter, we made calls after calls and basically every single representative lacked the knowledge or the training to provide us the information needed to have this matter resolved on a timely manner. The bank has now sold our loan to another financial institution and they refuse to remove the information from our credit files.
Consumer complaint received 2023-09-04
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. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



UNAUTHORIZED INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-20
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Credit Fresh Holdings Inc (TX)

In regards to XXXX XXXX XXXX  and their CREDIT FRESH PRODUCT Applied for a loan, then I did not like their terms and I am not able to get a live person to cancel the process. I get incessant emails, calls, and text messages that will not stop. I have tried to get a live person to deactivate my profile and cancel their services, can not get a live person through the number provided on the website XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-01-01
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

all fraudulent inquiries : 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 as well they do n't list that i only now have XXXX XXXX account and the credit limit is XXXX i have told these people and told these people about my ex wife becoming upset over child support issues and trying to ruin my credit and they fail to do anything.
Consumer complaint received 2023-08-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: 2288984 Ontario Inc. (FL)

XXXX XXXX XXXX I open loan ( i.e. ) line of credit? they change specification during dispute regarding this action.? for the sum of {$900.00} for twelve months period. 
First payment for the sum of {$100.00} was made on XX/XX/2023, was surprised when the balance due was still {$920.00} principal? get my attention to this result? 
Contact Money Key customer services and get some confusing responses was not really understanding. Become suspicious about this company i decided to pay off this loan quick a could the loan was paid off for a total payment on XX/XX/2023, total amount paid {$1000.00}. and decided to close this account! was denied as apparently the balance overdue was {$250.00}. despite paid off after ninety days full amount of this loan?? 
contact customers services by phone! was explain this was not a loan but line of credit.?? This was completely misleading their facts sheets in their Financial Implications form regarding interest & Finance Charges show! for {$1000.00} 12 months total costs will {$160.00}. 
I dispute this Banking action as a scam contact XXXX business bureau regarding this abusive interest charged! will be cost multi thousands of Dollard before been able to rid of it this account.
Consumer complaint received 2022-10-21
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: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting Act XXXX Accounts have violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

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 any purpose.
Consumer complaint received 2023-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (KS)

I received a notice of debt collection through XXXX. I contacted the account holder, Transworld Systems. They told me that the debt was for an account with XXXX  XXXX XXXX in the amount of {$1500.00}. Service for this account ended in XX/XX/2023. I informed them that I have never lived in XXXX  or at the address they provided to me. They told me I would need file a police report for identity theft. I have done that and have a case number I can provide. I have also submitted a dispute with XXXX on the collections report.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC. (TX)

My Equifax credit report has disappeared. I have tried to apply for a mortgage and have been denied because the lender could not pull my Equifax report. 
I called Equifax, followed their request to submit a letter with copies of my SSN, proof of address, and letter stating to update my account. 
Approximately 30 days later I received a letter from Equifax saying I did not follow their instructions correctly and nothing had changed. I called Equifax and spoke to 2 different ladies, and they both verified they received my information correctly and I did not need to do anything else. 
However, as of today XX/XX/XXXX, my Equifax credit report is still unavailable. When I log in to their website, my score says it was last updated on XX/XX/XXXX and I receive an error code that reads " Please give us a call and give this code to the Agent : XXXX ''. 
However, when I give the code to the agents, none of them know what XXXX  means and they assure me there is nothing else I need to do. 

Please help. My wife, children, and I would like to buy a house and Equifax is preventing us from making it happen.
Consumer complaint received 2023-08-09
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. (DC)

I write this letter with deep concern and dissatisfaction regarding the responses provided by XXXX and TransUnion to my complaint in connection with XXXXXXXX XXXX XXXX XXXX non response to my request for debt validation. It is distressing to note that both credit bureaus have failed to address the central issue raised in my initial complaint, revealing a lack of accountability and transparency in handling consumer complaints. As stated in my original complaint on XX/XX/, the core concern lies in XXXXXXXX XXXX XXXXXXXX XXXX failure to respond to a Debt Validation request within the mandated 30-day period, which should result in deletion of that item from my credit report. The supporting evidence of a certified mail receipt unequivocally proves the mailing and receipt of the validation letter. However, the two credit bureaus ' responses not only failed to take the correct action of deletion of the item, instead exhibit a dismissive attitude towards this crucial matter, evading any meaningful acknowledgment of XXXXXXXX XXXX XXXX XXXX untimely response. 

I must express my strong disapproval of such responses, which not only demonstrate a lack of diligence and adherence to an unbiased investigation but also undermine the integrity of the credit reporting process. Consumers deserve proper and transparent handling of complaints, especially when it comes to issues that impact their financial well-being. In light of this, I demand that the response to my complaint be submitted on the public portal accessible to all consumers. This measure is crucial to prevent the credit bureaus from concealing their inadequate handling of complaints by mailing the response instead of posting it on the portal and to hold them accountable for their actions. 

Transparency and accountability are essential pillars in fostering trust between consumers and credit bureaus. By publicly acknowledging and rectifying the shortcomings in handling my complaint, you will demonstrate a commitment to improving your services and upholding fair practices. I expect this matter to be promptly addressed since the inadequacy of their responses to the XX/XX/ complaint should not be counted against me. The delay tactics should not be encouraged by allowing even more time after an inadequate response. 

Furthermore, all responses should be posted on the portal in addition to the mail. But mailing the response should not be a substitute for posting the results on the portal. 

Please be advised that should there be any further failure to address my concerns transparently and adequately, I will not hesitate to escalate this matter to relevant regulatory authorities and consumer advocacy groups up to and including legal action. 

Your immediate attention to this issue is expected and appreciated.
Consumer complaint received 2023-08-09
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. (IL)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2024-11-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/year> SYNCB/PPC XXXX XXXX XXXX XXXX, Fl XXXX XXXX : Debt Validation Request Account Number XXXX Dear SYNCB/PPC Collections Department, I am writing to formally request validation of an alleged debt associated with the account referenced above, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ). I received a notice claiming that I owe a debt to SYNCB/PPC, and I am exercising my right to verify this debts legitimacy. 
Please provide all of the following documentation to validate this debt : 1. Verification of the amount of debt : An itemized statement explaining the full amount owed, including any accrued interest, fees, or charges.

2. Proof of ownership : Documentation showing that XXXX XXXX XXXXXXXX has the legal right to collect on this debt. 
3. Original agreement or contract : A copy of the signed agreement or original contract with my signature evidencing that I agreed to the debt in question.

4. Payment history : Detailed records of any payments applied to this account, showing how the balance was calculated.

Until I receive this documentation, I respectfully request that all collection activities, including credit reporting, cease. Please send all requested information to my address listed above. 
Thank you for your prompt attention to this matter. I look forward to receiving your response within 30 days. 
Sincerely, XXXX XXXX [ Date ]
Consumer complaint received 2023-08-24
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (IL)

My account was closed on XXXX and I had a Checking account, a savings account, and a credit builder account. My savings was migrated to my checking they say anyway but I ask for transaction statements they won't send them to me. But I received the check for my checking account and cashed it already. Now my credit builder account also had money in it when they closed my account but I never received the check for that one. It's been over 3 months now I've been calling and emailing them everyday to try and get a new one issued and sent to me but haven't been able to get anywhere with them at all.
Consumer complaint received 2021-12-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (VA)

On XX/XX/21 my wife and I completed the closing on a refinance loan through Rocket Mortgage. Subsequently, we were informed that our existing mortgage could not be paid off because our mortgage lender was outside of the XXXX And, if the payoff could not be made to a XXXXXXXX XXXX  account the note would have to be terminated. The mortgage company said it would take several weeks to establish a XXXXXXXX XXXX account to accept the payoff and cost {$750.00}. XXXX XXXX at Rocket Mortgage said he would issue the payoff check and once the bank account was setup it could be deposited. I told him that during the time between closing on the new loan and paying off the old loan I'd be paying double interest. He said that would be taken care of after we get the payoff completed. Upon completing the payoff on XX/XX/21 he then informed me that Rocket Mortgage would not honor his commitment and credit me the interest paid to them even though I had no access to the funds I was being charged interest on. When I told them I wanted to terminate the new loan and be made whole they said that can not be done because the loan was already sold ( I received notice of that ). It seems clear to me they enticed me with the lure that my interest would be taken care of long enough to sell my loan.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Sensible Auto Lending, LLC (NJ)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore and such debt, in fact therefore exists.
Consumer complaint received 2024-09-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: INDEPENDENT BANK CORP. (RI)

I received a letter from XXXX XXXX XXXX, Senior Vice President, Information Security XXXX of my bank, Rockland Trust, informing me that personal information regarding my Rockland Trust Bill Pay account 'was inadvertently shared with an unaffiliated third-party financial institution by our vendor that processes bill pay transactions. ' The letter states that my name, address, email, bill pay ID, member ID, social security number and funding account numbers have been compromised. The letter states that there was an 'operational incident that exposed some of your personal information on XX/XX/year>. ' The letter is dated XXXX, XXXX, XXXX. This is three-and-a-half months after the date of the incident. 

I am quite upset that my information was not protected and has been compromised/stolen for potential illicit purposes. I am scared, to be perfectly honest. I have no idea what information was taken nor do I have an idea of what the information was used for. The letter lacks quite a bit of clarity and is untimely. 

I am certain that I am one of many customers who have been impacted by this situation and would like to know if anyone would be willing to help me.