davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (FL)

Hello, i have been trying to communicate with these XXXX collection companies for over a year now. They refuse to send me any paperwork from the origional creditors and keep changing the items from the pictures below. I've spent some time reading your regulations and they are breaking them all. The accounts are XXXX XXXX XXXX, so over the state statute of limitations and they are not listed correctly with so many of these lines listed on my report.. These accounts must be deleted per your rules and regulations. 

They call and threaten me all the time, i tell them to stop calling and they call from other numbers. Can you please force them to remove these from my report for breaking your rules?
Consumer complaint received 2023-01-10
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: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/2023 I noticed misinformation on my American Express account in the amount of XXXX I called American Express and they told me to it would be updated immediately as of today XX/XX/2023 this issue has not been resolved I have been unable to get answers from American Express and it is costing my credit score to have been dropped XXXX points American Express is not cooperating to have this information updated on my credit report thank you
Consumer complaint received 2023-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I deposited a {$1000.00} check from XXXX XXXX from a friend in Chase bank on Monday XX/XX/XXXX. Chase will NOT put the money in my account for 10 days. I need this money to go to my doctor for XXXX XXXX. It is to rent a car so I can drive from Florida to my doctor in New York. Their excuse is the check is OLD! They need 10 days to confirm that it is good?? This is a friend of 40 years that is loaning me the money so I can get the surgery. Since when does it take a bank to certify that a check is good? I am sure XXXX would tell Chase immediately if there was a problem, no legitimate reason for a 10 day wait to find out. Chase is the biggest bank in the country, I am sure the have the personnel to get it done with a phone call. I need this fixed immediately. My surgery is scheduled for XX/XX/XXXX, Monday at XXXX XXXX XXXX XXXX, XXXX NY. 
Please advise ASAP!!
Consumer complaint received 2023-06-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Consumer complaint received 2023-06-06
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)

This account was reported as identity fraud and it was sold from XXXX XXXX when acct charged off to XXXX XXXX back in XXXX then I sent them my paperwork. I have tried to contact them and no action. I tried to go through the XXXX and XXXX to dispute but everytime this company states that the information is accurate. This company keeps reporting negative on my credit as a collection. The latest update was on XX/XX/XXXX. This company is till showing a balance on the collection acct for {$690.00} and also another account for {$990.00}. I have disputed this accounts at least 4 times to no avail. This account is illegally reporting this negative information on an account that is over the statue of limitations for collecting in Georgia. I have disputed this account from XXXX.
Consumer complaint received 2022-10-27
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

Hey Im trying to dispute this because I already contacted the credit bureaus and they stated they cant remove it because it was verified. However I need this removed because of this law 15 U.S. Code 1681b. Did not have my consent to post on credit file! 

as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

They dont have in writing that I initiated a credit transaction for these accounts to be posted at all. 

As the law states 15 U.S. Code 1681b. In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2023-06-06
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. (MS)

NOTICE OF DISPUTE Account Number XXXX Upon discovery after viewing my consumer report I see that XXXX XXXX XXXX is report-ing a late payment to TransUnion, XXXX & XXXX XXXX This alleged late payment is inaccurate & a clear billing error. Pursuant to 15 USC 1666b ( a ). I did in fact not receive my periodic statement 21 days before my billing due date causing this late payment to be null & void.
Consumer complaint received 2024-04-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (LA)

XX/XX/XXXX I sent in my homeowners insurance information letting them know who to send payment to in the amount of {$6600.00}. 
XX/XX/XXXX - they sent payment to the insurance company and updated my profile reflecting that I had a current and active policy for XXXX XXXX  home insurance for the year of XXXX. This policy showed under the coverage tab when I logged into their website up until XX/XX/XXXX. in XX/XX/XXXX this disappeared from the website and was replaced with " forced insurance '' effective from XX/XX/XXXX to XXXX throughout the year of XXXX I had several escrow analysis estimates done and called multiple times inquiring about my statements. I was repeatedly told that I had insurance. In XXXX of XXXX I had the lengthiest talk with the mortgage company where I was explained that my insurance has caused an escrow shortage and I paid almost XXXX XXXX dollars to make up for this shortage. At one point she even said I could shop other insurance companies to switch to a lower rate. 

In XX/XX/XXXX I was notified that I did not have insurance for the year of XXXX and that I would be charged almost XXXX XXXX dollars for them to back date a forced insurance plan. Why wasn't I sent a notice earlier than this?? 
Or, why not wait 2 years, tell me I have insurance, and then send me a notice saying I actually never did and that I owe XXXX XXXX I contacted the insurance company XXXX  XXXX. They stated the insurance was cancelled in XX/XX/XXXX due to late payment. 

so in the end the mortgage company made a mistake being late on paying the insurance which is why it was cancelled. The website then reflected throughout the whole year that I had an active policy. I also called multiple times for information on my insurance. 

The mortgage company lead me to believe that I had insurance that I did not have AND was cancelled due to them not paying on time. Now, a year later they are trying to bill me for almost XXXX XXXX dollars.
Consumer complaint received 2023-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I play the online casino games, I recently won {$9700.00}. They sent me a check drawn on XXXX XXXX XXXX. I deposited into citizens bank and teller said it will be available the next day, I checked my account ant it was available, I played {$200.00} worth of casino games, then citizens bank took the {$9500.00} back and put it on hold. They keep giving me dates to be released, and still my money is on hold.. they charged me for using the {$200.00} that was mines, and put the rest on hold.. can they do that?
Consumer complaint received 2024-06-12
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (TX)

I hope this letter finds you well. I am writing to you regarding two accounts that appear on my credit reports. The details of these accounts are as follows : 1. Account Number : XXXX Status : Collection account Balance : {$330.00} Date Opened : XX/XX/XXXX Original Creditor : XXXX XXXX 2. Account Number : XXXX Status : Collection account Balance : {$450.00} Date Opened : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX
Consumer complaint received 2023-05-16
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: MECHANICS BANK (AZ)

approximately XXXX HRS, I XXXX XXXX received all 3 copies of my personal credit reports from all 3 major credit bureaus. After carefully reviewing the information provided to me, i discovered several unauthorized accounts & hard inquiries reporting on my credit file, someone has obtain my identity and has been applying for credit, I would like this matter further investigated and will be placing my credit reports on a file freeze to prevent any further attempts. Below i listed all accounts name and dates. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Accounts Research, Inc. (TN)

Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX for supposed debt : Accounts Research , Inc. XXXX , TN XXXX RCVD call from XXXX XXXX , stated he was trying to conduct research and has returned mail for me. He wanted to confirm my address was the same as what was on the returned mail, I told him to just resend it to me as addressed. I asked him again who he was, since I have a large relation to XXXX 's, and he said he just had gotten some of my mail by mistake and wanted to make sure I got it since it was from my bank. No big deal. However, I felt weird after the call and did some research and found he is a collector for a company who changes it name often due to not following collection practices. They used to operate under XXXX XXXX XXXX. 

So, the big issue is that this account with XXXX XXXX had fraudulent activity and was closed. A lady from the fraud dept with XXXX XXXX called me, I believe in XX/XX/XXXX or XX/XX/XXXX,  and informed me the account had been locked due to activity. After reviewing the charges, they were determined fraudulent. The disputes were processed, and once processed, the account was to be closed with any remaining proceeds mailed to the addesss on file. I have not had any further correspondence from XXXX, so due to my own assumptions, I thought this matter was resolved. I have called and left a message for XXXX, in collections, with XXXX XXXX. I have since tried to communicate with the debt collector and that went nowhere. 

I will not resolve this debt with anyone other than the bank directly. XXXX XXXX lied, multiple times, when I asked who he was/with. Every time he represented himself as a provate citizen just trying to do the right thing.
Consumer complaint received 2023-06-06
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (MA)

I recently set up a business paypal account for my secondhand store. I have used it a few times for small amounts on my XXXX XXXX and website, but just recently had my account limited for no reason. They have not identified why and are currently holding my funds. 

Before limiting my account they asked for sensitive information, such as my drivers license and bank statements, then simply banned my account after handing it over. So now my business is stuck in limbo as I have transferred everything over to this PayPal account. 

I have spoken to customer service via XXXX, PayPals chat support and the phone and have not learned about what I have done wrong nor why my account is no longer accessible. As of now, they are holding my funds and will not release them, probably charging me interest in the mean time.
Consumer complaint received 2024-06-20
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Lendmark Financial Services (WI)

I applied for credit and was denied regardless of the reason for being denied. I have the right to credit. Withholding my access to my securities is securities fraud your violating the Equal credit act as well as consumer credit protection act. Title 15 United States code 1691 scope of prohibition mentions it shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit. Transaction activity is prohibited under federal law.
Consumer complaint received 2022-10-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION (MI)

I have requested a copy of my auto lien release through SunTrust Bank, which merged with Truist in XXXX. The loan was paid off in its entirety in the summer of XXXX. I originally contacted Truist through the customer service line to request a copy for the lien release on XX/XX/XXXX and again on XX/XX/XXXX. Both of the Truist representatives informed me they would put in my request. I never heard back or received anything in the mail. I called again on XX/XX/XXXX and was informed by a Truist customer service representative that those requests failed to go through. The Truist representative recommended that I mail or fax my information to the Truist Closed Loans Department. However, the Truist representative would not provide a phone number nor an email. I sent faxes to the Truist Cloan Loan fax number provided to me on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX, I called Truist ( again through the customer service hotline ) and the Truist representative informed me that they could not provide a phone number for Truist Closed Loans and claimed that none of the Truist Closed Loans staff have phones. The Truist representative could not confirm whether the faxes I sent made it to Truist Closed Loans, but informed me it would take XXXX weeks for Truist Closed Loans to process the claim. I have no confirmation that my faxed request ever made it to the Truist Closed Loans Department.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-06-21
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. (NY)

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.

The letters are stated with items and issues.

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 2023-05-16
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. (LA)

On XX/XX/XXXX XXXX I Went to purchase a Motorcycle. I received a denial from. I have never owned a car nor have I ever asked a bank tooled me a loan for a vehicle let alone get a repossession.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (AL)

I filed a complaint here and they responded and refused to remove late status. I found an old email from XXXX of last year stating to reply yes to place loans in automatic forbearance. Which I did but they still reported 90 day late payment in XX/XX/2022.
Consumer complaint received 2023-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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.

The letters are stated with items and issues.

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.