davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, TransUnion, XXXX, are in violation of the FCRA and i can consider their violation an act of identity theft. As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to PRIVACY. You have violated my privacy which can be considered identity theft. You do not have a permissible purpose to furnish my consumer report. I did not give you any written instruction to do so. This is also a violation Under the FCRA, 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of reports. They are reporting a dismissed Bankuptcy on my credit report. I am aware that XXXX receive information from a third party verification system known as a pacer system and then sells this information to other collection agencies. The Pacer system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for up to 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order relief. 
Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report
Consumer complaint received 2022-11-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FORD MOTOR CREDIT CO. (CA)

I had asked Ford for assistance with the lien holders claim to get my car fixed. Ford picked up my car from the body shop on XXXX and didn't file the lien holders claim as XXXX XXXX requested. I need Ford to file a new lien holders claim by calling # XXXX policy # XXXX with a date of loss XXXX. We also need a copy of the certificate of repossession from when the car was picked up. Please send a copy to my personal email. I asked Ford several times to file this claim but they failed to do so. I am also current with my payments and have called XXXX from Ford several times and he hasn't returned my calls.
Consumer complaint received 2021-10-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I disputed with the credit bureaus, telling them I was a victim of identity theft and that these accounts are not mine, therefore it should be removed. But I never received a response, it has been 30 days since then. Please help
Consumer complaint received 2021-10-07
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: SYNCHRONY FINANCIAL (NY)

I was alerted by a credit monitoring service of a hard inquiry made on my profile in an attempt to open a credit account on my name. Th inquiry was made on XX/XX/2021 from SYNCB/PAYPAL. 
I tried speaking with PayPal but was ultimately disconnected. I called XXXX XXXX & the advised me to file this complaint. Please note this was unauthorized & fraudulent.
Consumer complaint received 2021-10-06
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I notified you that this account is unknown. How did you verify this account and where is the documentation that would prove this? 
Section 609 states that you're required to send me the original paperwork that verifies this account, otherwise this is false information!
Consumer complaint received 2021-10-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (FL)

AFNI at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX has been sending me collections notices in the amount of {$670.00}. The collection has been reported as pasted due balance. I don't know this company. Have never done business with this company. This company does not have a contract with my signature.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

i have fully paid XXXX their balance of {$130.00}. The information that is being reported on this account is inaccurate and in effect hurting my consumer credit profile and score. The presence of this inaccurate information is affecting my financial wellbeing and needs to be corrected immediately. This account should have never being sent to collections and i want the CFPB to supervise in the deletion of this account.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To whom this may concern, I have tried multiple times to fix the inaccurate personal information that's on my credit report and this bureau refuses to remove the inaccurate. I have attached proof of address and name with my drivers license and home of record. This has not changed. I will attach dispute paper with accounts that are reporting inaccurately.
Consumer complaint received 2021-10-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: MEGASTAR FINANCIAL CORP (MN)

Megastar Financial increased our closing costs {$1300.00} from the final Loan Estimate to the Closing Disclosure, without justification. We believe the Loan Estimate was knowingly false, and would like this to be remedied.

Background : We were shopping 3 different lenders in this home buying process. 

1. After we signed a purchase agreement XX/XX/XXXX, Megastar sent us a new loan estimate with an increased {$4500.00} in closing costs from previous estimates. 
- We said no - Discussions continued with Megastar and other lenders 2. On XX/XX/XXXX, Megastar offered to lower closing costs by {$1200.00} ( rates had moved ). We locked in a rate with them and gave the go ahead. 

3. XX/XX/XXXX we received a new final loan estimate from Megastar confirming these fees and costs. ( Everything great! ) 4. XXXX XXXX XXXX, zero further communication on closing costs with Megastar 5. XX/XX/XXXX, Friday evening we received the Closing Disclosure, with a request to sign it by midnight in order to keep the early close on track - Buried in the closing disclosure was a {$1300.00} closing cost increase - back up to the level we rejected on XX/XX/XXXX - The cost categories had changed, there was now a much larger escrow requirement ( from 5 to 7 months ) and loan title insurance had increased 40 % - Closing disclosure also stated we had shopped around for title insurance, which we did not. 

6. From XX/XX/XXXX to XX/XX/XXXX, Megastar was unresponsive, rude, and dismissive when we asked about these increases. Unfortunately, we had no choice but to close with them or lose the home. 

7. On XX/XX/XXXX, getting nowhere with our Megastar rep, we reached out to their branch manager via their website. Response was continued obfuscation and incorrect information.

8. On XX/XX/XXXX at the closing table, we were surprised by yet another Closing Disclosure dated XX/XX/XXXX, which addressed none of the concerns and contained the same inaccuracies as the XX/XX/XXXX disclosure. 


In summary : Attached XX/XX/28 and XXXX disclosures show the {$1300.00} increase in closing costs. 
-- We locked in our rate XX/XX/XXXX -- XX/XX/XXXX disclosure, closing costs of {$14000.00} -- XX/XX/XXXX disclosure, closing costs of {$15000.00} primarily two items changed substantially : Lender title insurance increased {$300.00} ( 40 % increase ) -- We went with Megastar 's title company, and did not shop for this service.

-- Megastar 's business is mortgage loans, and they know what title insurance costs on a {$400000.00} loan. The loan costs provided to us were very misleading. 

Property tax escrow increased {$1300.00} ( 40 % increase ) -- Every estimate and disclosure from Megastar, going back to XXXX and including the post-rate lock disclosure of XX/XX/XXXX, showed 5 months of escrow -- We were not informed of any increased escrow requirements at any time, or the potential for any increased escrow requirements. 
-- Closing disclosure on XXXX increased the escrow to 7 months.
Consumer complaint received 2023-03-06
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)

In accordance with the Fair Credit Reporting act. The List of accounts that are included in the letter have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (TX)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AMEX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-10-06
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: DISCOVER BANK (WI)

My cousin lived with me for about a year and a half. He opened numerous credit cards in my name. I was in prison when these cards were opened so there is no way I opened them. I sent various letters to XXXX, Discover and XXXX XXXX explaining this. I filed a police report, an FTC identity theft affidavit and still they have refused to removed this information from my credit. If this is not removed I will again sue the credit bureaus and have proof of their negligence. I have attached the letters I sent.
Consumer complaint received 2022-11-01
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. (GA)

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : 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 2021-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (FL)

during covid 2020 I contacted the credit card company to ask for a reduced monthly payment because i lost my job. The person whom I spoke to refuse to work with me and told me that they would close the card and it would impact my credit. I begged them to just take the payment i was offering until I got back on my feet and the representative flat out declined. A few days later the card was closed by the creditor and my credit was impacted.
Consumer complaint received 2021-10-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

I was doing a little side hustle for some extra money. People would send me money on XXXX. I would buy bitcoin with the money they sent and keep a keep an agreed cut. The people then made false claims to chase that I committed fraud and they got their funds back and the funds were removed from my account. The people lied to chase. So they got to keep the bitcoin and get their money back XXXX XXXX and making my account lose {$690.00} and go {$100.00} negative. I contacted chase about this situation multiple times and they tell me I lost the dispute and that there isnt much they can do.
Consumer complaint received 2021-10-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have submitted numerous forms to XXXX regarding identity theft XXXX and unotherwise XXXX  increase on my credit report I have also notified experience and XXXX who the phone do tperform due diligence and removed such inquiries without hassle hassle XXXX refuses To remove increase even though the other 2 credit bills have done so Due to the assessive inquiries on my XXXX  I'm unable to receive funding which is necessary to provide for my family causing it it extreme hardship and I desperately need this resolved I have a total 3 inquiries on my XXXX and experience but I have 35 on XXXX which is evident that there is something going on and changing refuses to supply me with proof that such inconvenience are indeed verify despite correspondence I have it's called response I have submitted requesting asking for such information
Consumer complaint received 2021-10-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. ()

Based in emails from XXXX from company XXXX XXXX XXXX, I sent money for invoice XXXX via wire transfer XXXX XXXX. 
This money send in two wire to Bank Name : JP Morgan Chase bank Bank Address : XXXX XXXX. XXXX, XXXX. XXXX, FL. ZIP, XXXX. 
Account Name : XXXX XXXX  XXXX  Routing Number : XXXX Account Number : XXXX one of XXXX USD another XXXX USD XXXX XXXX XXXX send me an email asking me for money In consecutive days the question has been kept. I always answered that it was sent on XXXX XXXX. 

XXXX XXXX, XXXX from XXXX XXXX  send me an email with inquiries about the money, and I tell her that i used the payment method that she send me, wire transfer. She deny this. I sent a screenshot abaout her email. 
And She Said " Oh my goodness! The very email that tells you that we can not charge a debit card would be the red flag, and I have never heard of XXXX. Also, we have been told by our own bank that wire transfers are the easiest way to get scammed so we never do them. A lot of the typing appears to be another language not of southern accent if you will. I am so sorry to hear this! Do you send wire transfers often? If you do, you must stop. These people are vultures and are just waiting for a situation like this. '' and today I have gone to file a complaint with the Spanish police. to Reportfraude.ftc.gov and CFPB .Since the WISE platform is not responsible for anything and JP Morgan Chase is impossible to communicate in Spanish
Consumer complaint received 2021-10-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FORD MOTOR CREDIT CO. (OH)

XXXX XXXX was repossessed after late payments due to XXXXORONA. I am a small business owner who saw a 90 % decrease in sales and my income starting in XX/XX/XXXX and well into XXXX. Ford did not allow me a lower rate or hold on payments they repossessed the car and left me with no car to get to my work, and reported late payments.
Consumer complaint received 2021-10-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PNC Bank N.A. (AL)

According to PNC bank I am in depth {$150.00} that isnt suppose to be there. I didnt receive a mail in the mailbox until a year later, which is now a couple of months ago, that stated that I am in dept. They said that my account was closed and I owed money but I never received a mail in the mailbox to get a chance to dispute it within the 30 days ; even if they did claim to send one out. Also, there had been transactions on my account that I didnt make that I had to get disputed and I closed my account out around that time as well. I tried working my way up the chain to get some type of assistance and they just told me that there was nothing they could do about it even though the dept isnt suppose to be there and even though I never received a mail in the mailbox. Please help!
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

So I didn't start worrying about credit until I was in my middle 40s. I'm currently XXXX years old and when I turned XXXX I wanted to open a business and it was a difficult for me to get funding due to the fact I was told my credit report was bad and had a lot of negative items on them. So I started learning about my credit report and I noticed that I never had the credit cards or vehicles or phones or loans that were showing up on this report. So I kept studying and learning about the laws regarding credit reports and how to get these things off so I can establish some sort of credit. I found out the charge offs were the worst and I had two of them one with XXXX XXXX that started in 2013. I watch XXXX videos and also read a lot so I couldn't afford to have somebody do this for me so I started getting these items off my report myself and I filed reports with the identity theft.gov Federal trade commission I've made police reports and most of the stuff has been removed but this charge off has been very difficult with XXXX XXXX and XXXX XXXX. I've taken the necessary steps and their stonewalling me. I might need these items off my report so I can move on with my life.
Consumer complaint received 2021-10-07
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2021-10-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (NY)

what has been happening is comenity bank has not removed the report from my credit to show it has been paid. 
i have paperwork show i have paid this off. i was told by XXXX  that if i paid it off this would be closed and taken off all 3 reports!

come to find put XXXX  works for XXXX XXXX so i paid XXXX  XXXX while i was paying it off the debit to XXXX. 
must had been sold out while i was paying it off... i didnt know this! 
i am being told from com bank that they didnt get my payments so this can't be removed? 
i want this removed as i have paid it off. i was lied too... how would i know??
Consumer complaint received 2021-10-06
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)

I have placed a fraud alert on my credit report. I am still getting unadvised credit inquires on my XXXX credit report. I have contacted them to remove these inquires and they will not do so.
Consumer complaint received 2021-10-07
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. (TN)

My privileges of privacy have been penetrated and intruded by this bureau which is an immediate infringement of federal law. This bureau is likewise disregarding federal law by detailing misdirecting accounts on their end without my consent. This bureau is detailing misdirecting data on their site and as per the federal law, it is the bureau 's GRAVE RESPONSIBILITY to guarantee reasonableness, unprejudiced nature, and a respect for the consumer 's right to privacy. Their carelessness has caused me pain and I'm looking for legal action.