davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

file ftc on these companies ftc file number XXXX The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$130.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$130.00} Original creditor : XXXX XXXX Credit reporting companies must investigate the items in question usually within 30 days unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider receives notice of a dispute from the credit reporting company, it must investigate, review the relevant information, and report the results back to the credit reporting company. If the information provider finds the disputed information is inaccurate, it must notify all three nationwide credit reporting companies so they can correct the information in your file.

The FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive, unfair, and abusive debt collection practices. Among other things, the FDCPA bars collectors from using obscene or profane language, threatening violence, calling consumers repeatedly or at unreasonable hours, misrepresenting a consumers legal rights, disclosing a consumers personal affairs to third parties, and obtaining information about a consumer through false pretenses. Because certain practices that violate the FDCPA also violate the FTC Act, the FTC also uses the FTC Act to halt unfair or deceptive debt collection practices.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I recently tried opening a bank account and was denied due to reporting by ChexSystems. This was the negative listing on my XXXXXXXX XXXX  ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX. XXXX # XXXX / XXXX. 
This account is fraudulent and is a violation of my rights. I have included an identity theft report # XXXX as well as a copy of my drivers license for proof of identity. Also I included scanned copies of the Chexsystems Report that includes the false information.
Consumer complaint received 2020-04-01
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. (FL)

Someone has been using my information illegally and incurred many charges fraudulently on my behalf without my permission. This has destroyed my credit profile and my credit rating. I have notified the credit bureaus multiple times and they do very little to help. I have placed fraud alerts and somehow these people have managed to steal my info. I need your professional help in fixing this. Please tell me what to do or how we can fix this so I can have my credit back to normal.Thank you in advance.
Consumer complaint received 2020-04-01
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2020-04-01
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2020-03-22
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: EQUIFAX, INC. (GA)

I seen an auto loan that reappeared with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX from XXXX on my Equifax credit report that was disputed and removed back in XXXX. The debt is reporting as negative with lates and this account does not belong to me. This debt needs to be removed from my credit report immediately.
Consumer complaint received 2020-03-21
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

As we deal with this pandemic, and money is tight, I was attempting to use my card, Care Credit from Synchrony Bank, only to find out my account was closed. I have no outstanding balance and never missed a payment. They just randomly closed the account on XX/XX/2020. My concern is that this was a calculated plan to ensure people do not use their card during this crisis.
Consumer complaint received 2022-10-09
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: Experian Information Solutions Inc. (CA)

i had bankruptcy on my account however they have been removed. I have disputed with the companies and it was removed from my XXXX report however it has not been removed from XXXX or Experian. also the dates do not match up. I would like this removed from both these companies. thank you
Consumer complaint received 2022-12-28
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: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Reference number XXXX I am writing to request that you investigate a public record error on my credit report and remove any incorrect information. I believe that there is an error on my credit report that is affecting my credit score and causing me financial harm. 

I request that you conduct a thorough investigation into this matter and remove any incorrect information from my credit report as soon as possible. I am enclosing supporting documentation to help you in your investigation. 

Please be advised that if this issue is not resolved to my satisfaction, I will be forced to take legal action, including filing a lawsuit. I hope that this can be resolved amicably and without the need for further action.
Consumer complaint received 2020-03-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Opportunity Financial, LLC (AZ)

I applied for a loan with XXXX who denied me then referred me to XXXX who took all info my then OppLoan popped up saying congratulations with the most outrageous option for a XXXX loan ever. The option was XXXX a month for 3 years at 160 % interest which would result in me paying that company back XXXX for a XXXX loan! I am sending screen shots of this. I did not complete the app because that is extreme predatory lending!
Consumer complaint received 2020-04-01
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. (TX)

I am a paying member of XXXX XXXX XXXX. I have access to all 3 credit reporting agencies. I have in the last 90 days filed disputes per their process. I had an installment loan with XXXX loan # XXXX which I paid off two months ago. XXXX XXXX 's credit report shows the balance of {$16000.00} is now XXXX. However, When I check all three agencies reports it still shows a balance due of {$16000.00}. When I tried to file a new dispute and went through the online process I get a messages back " We are sorry, but we are unable to to full fill your request your request at time '' Then a message, " what to do Now ''. 
I paged through this information and finally found a phone number to call customer service, I was placed ON HOLD for 1 hour and 15 minutes and when answered it was a lady in XXXX. She told me that the XXXX account showed XXXX  on balance. So I walked her through going to all 3 agencies reports and that there it shows the account is still open and the NOT paid off which is wrong. She acknowledged that she agreed with this. However, that the dispute and technical depts. were having difficulties and she could not do anything about it. I ask her, I have been working on this for 2 weeks and are no closer to getting someone to resolve it. She said she could file the dispute manually and I would get a confirmation email that this was done. She verified my account and email with XXXX XXXX. To date I NEVER received the confirmation. For me this is very frustrating and I consider it Harassment and nobody at XXXX XXXX cares because they do not have to take care of this our satisfy my disputes and to think I paid them {$29.00} for the privilege of getting XXXX. I thought the U.S. Government had taken action to prevent these credit reporting agencies from hassling, delaying and  not servicing the American Public ... .my experiences are nothing has changed, HELP!
Consumer complaint received 2020-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

Citizens One Home Loans took over my loan as of XX/XX/XXXX. I attempted to make a timely payment and their online payment system has an incorrect amount and is charging me a late fee from months earlier that my previous loan servicer waived. I have been attempting to contact their 800 number all week and continue to encounter hold times of longer than 30-60 minutes at times. I had a contact number of someone but they did not answer multiple calls, have not returned the call, and now I lost their number so can not contact them. In addition, I have spent all week attempting to contact the company and make my mortgage payment without success, and now they will say I am late this month.
Consumer complaint received 2020-03-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

I reached out directly to the credit bureaus in writing on XXXX, asking them to verify this account and they told me I needed to contact the company, so on XXXX, I reached out to the collection agency in writing asking them to please provide me with the full payment history leading up until the point of the amount they're saying is owed, I asked for a signed contract, their license and bond to collection in my state ; etcand if they couldn't provide me with the validation of this account to delete it from my credit report. I never received a response from this company, nor was this inaccurate account removed from my credit report.
Consumer complaint received 2020-03-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

I contacted Chase on Monday, XX/XX/XXXX. I was told by automated message that I would be on hold for 1.5 to 2.5 hours to speak to a representative regarding my difficulties paying my mortgage due to loss of income during the Coronavirus outbreak. I was told by the representative that it was taking so long because the interest rate was decreased and the same department was busy refinancing mortgages for clients. When I did speak to someone, I was direct to chase.com/mortgageassistance where I am required to complete and mail in a collection of documents, including a profit and loss statement for my business. I do not have such a document completed yet and due to the delay in income tax filing, this is an extreme effort to put this together before I run around of funds for my mortgage. I have never missed a mortgage payment in my life and I need more immediate assistance, not a complicated process where I am being asked to meet a list of requirements to simply request some kind of deferment in payments. I have not experienced any interest or compassion from Chase in helping me address my problem.
Consumer complaint received 2020-03-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (CA)

Hello CFPB, I am sure you guys understand the tough situation we are all going though right now, last week we were doing totally fine, 2020 was looking good to me but this week everything changed for the worse. This week I lost my job due to the corona virus issue. 
My employer told me to go apply for unemployment, but unfortunately the benefit wont be enough to cover my monthly expenses.I am stressed, overwhelmed, don't know how I am going to feed my family for the next weeks/months. I don't know what to do. 
I decided to check my credit this week to see my credit lines and see if I can depend on the money if we get to an extreme situation. 

I was heartbroken to see that there was a collection account from a Commonwealth Finance for {$920.00}, I do not understand where is that account coming from, I have been working so hard for the past 5 years to build my credit, always make payments on time, always pay my bill, I have never missed one single payment ever before, seeing that collection made feel hopeless, so much work to build my credit just to be destroyed by a collection account like that, XXXX!! my self esteem is to the ground, everyday things continue to get worse. 

I am reaching out to you guys to help me remove that account off my credit and help me take some weight off my shoulders, I am praying for things to be better, but for some reason they continue to get worse, the past few days have being the worse days of my entire life. 
I am looking for some time of positive news on my life right now, something that will show me that things are getting better, I do not want to continue to feel hopeless. 
Thanks
Consumer complaint received 2024-01-02
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. (PA)

XXXX XXXX - XXXX I was never late on this account, please update this on my report XXXX  - XXXX I was never late on this account, please update this on my report XXXX  - XXXX This Information is Incorrect XXXX  - XXXX This Information is Incorrect XXXX  - XXXX This XXXX is Incorrect XXXX  XXXX XXXX XXXX  XXXX This is not mine XXXX  - XXXX This Information is Incorrect 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 NJ XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX
Consumer complaint received 2020-03-23
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: Voss & Klein, LLC (FL)

back in XX/XX/2014 XXXX XXXX XXXX did work for me at my t house. I contracted them WITHOUT a time frame. after I saw they were not doing the correct service I terminated them after a day. they billed me for 3 and wrote on top of contract a minimum term which is not initialed by me or them! they were being thieves and I paid them for the time which they did the job, that's all they deserved. I am a reasonable and fair and have ALWAYS paid my obligations. I have asked the collection company for a copy of the executed invoice and to note where they wrote in a term, they have NEVER complied!!! 
the collection agency is no better than the people they collect, zero integrity!!!! 
thanks for looking into the matter and I hope you can get the answers I could not.
Consumer complaint received 2020-04-01
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. (NV)

equifax has a major issue with there products thart they are selling to the public.i can not get a credit report from them and they also do not respond to credit requests from XXXX XXXX  and my fico.there deffinetly a problem.
Consumer complaint received 2020-03-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Johnson Mark LLC (AZ)

I received a notice from Johnson Mark LLC, XXXX XXXX XXXX # XXXX, XXXX, UT XXXX regarding XXXX  XXXX credit card debt. I lost my job and had no way to pay the debt. I moved to XXXX and informed the law firm that I was filing bankruptcy in XXXX & XXXX 2020, and they purposely filed a law suit in XXXX  where I only lived for 3 months. They knew I moved to XXXX   and I gave them the name of my bankruptcy attorney, XXXX XXXX office with the phone number. 

I believe this is a deceptive practice because they filed in a former state knowing I had moved and the new address was also on record with the credit agencies. This is deceptive because I told them I was filing bankruptcy, gave them the bankruptcy attorney 's information and they proceeded to try to file for a judgement in another state knowing I no longer lived there. 

Please send this information to XXXX XXXX as well because this is very deceptive and crooked. Johnson Mark LLC is a third party hired by XXXX XXXX who behaves in a deceiptive manner to try to collect debts.
Consumer complaint received 2020-03-22
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: EQUIFAX, INC. (CO)

I reached out to equifax several times regarding the errors on my credit report. 
Equifax is in clear violation of my Hippa rights as well as there is no contact information for the 2 collection items on my credit report. 

How am I even supposed to dispute this item or how did they verify without any contact information.
Consumer complaint received 2020-03-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I haven't received any feedback from my complaint for 60 days now from the bureau which is just complete disregard for the laws that govern them. I hope with your help this will not continue
Consumer complaint received 2022-12-28
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. (GA)

1 ) XXXX XXXX XXXXy : XXXX  XXXX. XXXX, XXXX - Reference Number : XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX - Reference Number : XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - Reference Number XXXX I am writing to request that you investigate a public record error on my credit report and remove any incorrect information. I believe that there is an error on my credit report that is affecting my credit score and causing me financial harm. 

I request that you conduct a thorough investigation into this matter and remove any incorrect information from my credit report as soon as possible. I am enclosing supporting documentation to help you in your investigation. 

Please be advised that if this issue is not resolved to my satisfaction, I will be forced to take legal action, including filing a lawsuit. I hope that this can be resolved amicably and without the need for further action.
Consumer complaint received 2020-03-22
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: CITIBANK, N.A. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : CB/XXXX XX/XX/XXXX, XXXX and XX/XX/XXXX and XX/XX/XXXX DSNB MACYS  XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-04-01
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: NCP Holdings, L.P. (TX)

I have filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2020-04-01
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. (CA)

I'm writing because I've requested verification on inaccurate information that's on my credit report. Which relates to late payments Its been well past 30 days and I have not received any update or response. 

Late Payment : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly payment Late Payment : XX/XX/XXXX, XX/XX/XXXX $ XXXX Monthly payment Late Payment : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly payment Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXXMonthly Payment 4 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX Monthly Payment Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX Monthly Payment 6 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX Monthly Payment 7 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment 8 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment 9 XXXX XXXX XXXX I NEVER HAD THIS ACCOUNT