davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MD)

Payment is due on XXXX of month. Company calls every month prior to this date to make sure I plan on paying them. I have had the loan for more than 5 years and have had XXXX late payment due to circumstances beyond my control. I have told company to stop contacting me. They ignore the request.
Consumer complaint received 2024-03-25
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. (MN)

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 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: EQUIFAX, 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 {$5900.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/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 2020-12-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

My checking account was closed with a positive balance on XX/XX/2020 without notice and my Veterans Affairs benefits which is exempt from garnishment and has been illegally withheld from me and was told today after speaking to the executive resolutions team that I won't have my fund for over 60 days when I have bills including rent and food for which I depend on my benefits for. Today and am going through hardship due to COVID and want my funds mailed to me immediately and USAA charged fines for this incident.
Consumer complaint received 2024-03-25
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. (NC)

These two accounts has moved past the statute of limitations in North Carolina. In North Carolina, the statute of limitations for debt is three years from the last activity on your account.These accounts should longer report to my credit report. Please delete these accounts : XXXX XXXX Account # XXXX Date of Last Activity XX/XX/2018 XXXX  XXXX Account # XXXX Date of Last Activity XX/XX/2018
Consumer complaint received 2020-12-30
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

Owners fell behind in mortgage payment. Lender offer to put late payment at the end of the loan to bring mortgage current. Lender then sent the attached Partial Claim Mortgage for signatures to a first time home buyer and his senior grandmother. They did not understand what they were signing but was told to sign or lose their house to foreclosure. So they signed it. The problem was they were only behind {$13.00} and they made them sign for {$55.00} and did not give them the difference in the equity they pulled out. They kept the money then and again when the house sold they paid themselves off in full.
Consumer complaint received 2023-05-31
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. (GA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, 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 XXXXXXXX, has violated my rights .

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-12-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC. (DE)

Re : NetCredit false Statements To Whom It May Concern : Below are screenshots of me continuing to receive false statement email notifications when my loan has been paid off since XX/XX/2020 and I didnt take out any additional loans. I also sent NetCredit an email on XX/XX/2020 to stop sending me emails because I dont have a balance, but I didnt receive any response and continue to receive email notifications. 
See screenshots below.
Consumer complaint received 2018-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Adjustments Inc (OH)

On XX/XX/XXXX Credit Adjustment INC contacted me regarding a balance that was owed to the pharmacy counter that was dated XX/XX/XXXX. I never went to the pharmacy counter on that date and at the time I was a minor. I tried to explain that to them and they would not.listen. I also asked them to send out a letter in which the Representarive names XXXX hung up on me. Then I was told by a 2nd representative that it was legal for them to try to collect from me since I now turned XXXX, which is not true. I would like to seek legal counsel for harassment as well as them being untruthful with me.
Consumer complaint received 2023-06-06
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. (AZ)

On XX/XX/2023 The Credit Bureaus stated Accounts, XXXX # XXXX, XXXX XXXX # XXXX, XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX were properly investigated but how is that possible if the open date is innaccurate, the date last active is inaccurate including last reported date is not accurate. I have verified the reports on these accounts and everything highlighted is not matching each credit bureaus. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well.
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: EQUIFAX, INC. (IL)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2022-11-21
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX US DEPT OF ED/XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3900.00} XXXX S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$4100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

.
Consumer complaint received 2022-11-21
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'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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX and TransUnion closed my disputes without proper investigation to verify accuracy of negative account balance and date delinquency began with creditor XXXX XXXXXXXX XXXX  ( XXXX account # XXXX ) ( TransUnion account # XXXX ). I disputed both the balance owed ( {$24000.00} ) and date of last payment. I specifically requested both credit agencies obtain written debt verification to prove date of first delinquency from creditor, including a payment itemized statement and a transaction ledger starting with a zero running balance. I filed separate disputes with TransUnion on XX/XX/XXXX and with XXXX on XX/XX/XXXX. TransUnion closed its dispute on XX/XX/XXXX. XXXX closed its dispute on XX/XX/XXXX. I called both companies for explanation. Representatives said their systems did not show that the creditor ever supplied the requested written debt verification or payment ledgers to confirm the reported balance amount or date of first delinquency. Also, XXXX reports different information for this account. I recall making my last payment in late XXXX, which makes this account 7 years old and non-reportable by law. These credit agencies ' failures to complete adequate investigations violated my rights under the Fair Credit Reporting Act as follows : - consumer right to privacy, 15 U.S.C. 1681 Section 602A ; and - improper furnishing of consumer account information without my written instruction, 15 U.S.C. 1681 Section 604A2.
Consumer complaint received 2023-05-31
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. (GA)

n accordance with the Fair Credit Reporting act CXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXXK XXXX, XXXX / XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, has violated my rights .

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (FL)

I began questioning this organization in XXXX XXXX XXXX and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the 1st time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.
Consumer complaint received 2020-12-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USI Solutions Inc. (PA)

Received a letter from XXXX XXXX XXXX stating their client USI Solutions , Inc turned a debt over to them that was originally owned by XXXX. I don't know what debt this is referring to and have not received any other communication regarding this debt of {$5600.00}. They offer a discounted payment of {$1400.00} if paid by XX/XX/21. I am not sure if this is real or a scam. 


XXXX XXXX XXXX
Consumer complaint received 2023-02-15
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: Experian Information Solutions Inc. (TX)

Experian has failed to comply with the request of the investigation. I specifically asked to provide the names and business addresses of each individual with whom Experian verified the information in question, so that I may follow up, and yet again, Experian has not done so. I have highlighted this section in the letter provided. Experian is not conducting proper investigation and need to be held accountable for this harmful act.
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. (CA)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2020-12-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

I refinanced my loan on XX/XX/2020. Bank Of American received the wire transfer on XX/XX/2020. They never applied it to my mortgage. I received an email on XX/XX/XXXX saying my XXXX payment was late and I now had a late fee. I called and they told me that I needed to call my Title company to get the wire transfer information I did that and called Bank of American again on Monday XX/XX/XXXX. I was on hold with them for over 2 hours I finally got a lady who after putting her on a conference call with my Title company said she found the wire transfer and that it would be taken care of within 3 business days. That didn't happen. I called again on Tuesday XX/XX/XXXX and after being hung up on twice and on hold for over an hour I was finally told that they weren't sure what happened the ticket was closed but my loan wasn't paid off. I was told that their manager would escalate this and contact me within 24 hours and I never heard anything. I received another email telling me I needed to make my XXXX payment so I called again and was on hold for over 2 hours and was told no one could help me. I was concerned about it dinging my credit since I have never been late on a payment before and was told by one lady that to resolve that I could make my XXXX payment and then hope this is resolved in XXXX. I do not know what else to do.
Consumer complaint received 2020-06-11
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: Experian Information Solutions Inc. (TX)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. This suspicious item is not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : DPT EDXXXX, DEPT OF ED/XXXX, XXXX XXXX XXXX  XXXX XXXX Company Inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (TX)

Cesars Visa Rewards Comenity Bank : I have used the card and make immediate payments nightly or every 3-6 days to pay the card down so that I can use the card to obtain my " Points '' or rewards. The credit card company is telling me that if I make a payment of {$500.00} or more, it locks my account for 7-10 business days, yet the email I received from the credit card company says it " might take 2 additional days ''. I have spoken to numerous employees at the call center and the all say its customary for credit card companies to hold the payments for 7-10 business days, yet they can not show me where it says this in my terms and agreements. The issue on this card, is that I have tried to purchase an Airline ticket to fly out of town, rent a car and drive back home. The rental car company will not take a debit card, therefore I have to find some other means to rent a car, not counting the " double '' rewards I lose for the airline ticket, hotel and rental car. I am asking where it says it takes 7-10 business days. My bank has already released the money to the bank, its no longer in my bank account They have LOCKED my card while they wait 7-10 days to post my payment
Consumer complaint received 2021-01-21
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: R.M. Galicia, Inc. (CA)

I do no not remember owning this particular account! Ive already asked the creditors to send me signed documents that signify ownership of this account but they still have not responded yet. I never had this account!
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (MA)

On XX/XX/XXXX I was truing to book a flight through Chase Travel Rewards ( i have a XXXX preferred credit card ). I kept on receiving an error message " Error.Booking.Result.EngineError.183 '' and was not able to book my flight. After calling Chase travel rewards and having them try to book the flight for me over the phone, they said they were experiencing the same error. 

After being on the phone for more than 2 hours and being passed back and forth between different departments no one at Chase was able to determine what the cause of the issue was and told me to just try again tomorrow. When I looked at the flight the next day ( XX/XX/XXXX ) the price had increased from {$580.00} to {$770.00}. And I was still unable to book the flight without the same error coming up. 

After calling back and trying to book the flight Chase was still not able to book the flight, even at the increased price. They were not willing to work with me in anyway to potentially allow me to lock in a price for the flight while they " continued to look into the matter ''. 

So now I am in the situation where I pay a yearly fee of {$95.00} for this credit card and its rewards, but am not actually able to use the rewards for anything. And the reason for that is a failure in the Chase system that no one is willing to address. 

Please note that this is not the first time I have experienced this issue, as it has been an ongoing issue since over the summer.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing to dispute certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.
Consumer complaint received 2020-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY)

In response to my CFPB complaint XXXX, and other associated complaints, XXXX has updated ALL XXXX Collection accounts on my transunion credit report as " closed ''. This is not good enough whatsoever. While I'm pleased that XXXX/XXXX  has closed those shady accounts, they are still on my report and that is not acceptable. 

As all XXXX of these are considered " unpaid, closed collection accounts '', I have the right to have these XXXX accounts removed from my credit report entirely. Closing them is not enough, I respectfully demand that : 1 ) These XXXX accounts are REMOVED, not " Closed '', from my transunion, XXXX, and XXXX  credit reports 2 ) That XXXX  sends me a signed letter of deletion for all XXXX accounts 3 ) That XXXX  instructs XXXX their law firm ] " The XXXX XXXX XXXX XXXX and XXXX '' to stop threatening to sue me, since they clearly have no basis to collect on closed collection accounts, and that the XXXX XXXX XXXX XXXX and XXXX sends me a signed letter stating they are no longer collecting, in any form, on either of the accounts.
Consumer complaint received 2020-12-30
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 feel bluntly ignored by the bureaus I sent out certified mail to them on XXXX and to this date 60 days later today on XXXX I have not received a response pertaining the disputes that are unverified and misleading and that was placed onto my account without knowing 100 % if it actually belongs to me. I found out that my information was impacted by the XXXX data breach so my information could have landed in the wrong hands. I demand these accounts listed be deleted. Thank you