davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX XXXX XXXX placed an account ending in XXXX with Transunion that was in repayment plan with XXXX. This creditor decrease my credit score in an unfair way that decreased my credit score by XXXX points. This was an unfair discriminative behavior, this account is in a repayment plan I made a payment just yesterday on XX/XX/2024. The creditor action with Transunion was not reasonable and an abuse/adverse to my rights regarding the FCRA. In comparison to a recent change to my credit report with this credit bureau Transunion today, this should not have been reported. The creditor is not reporting in accuracy nor in fairness. Another issue with the creditor in violation is that when we agreed to setup payment arrangements in XXXX the payments was supposed to be taken out on the XXXX of each XXXX. This creditor XXXX XXXX XXXX XXXX started to take the payments out on the XXXX and XXXX of XX/XX/2024 earlier than agreed which was a violation of our agreement. Now they reported this payment as a collection and I just made agreed payment as a with agreement not to be placed as a collection with payment plan. My credit score was unfairly decreased. I feel this type of action on my credit report was discrimination and negligent. Both parties failed to exercise the proper care to taken action in reasonable regards to my credit reporting information. This is negligent, unfair discriminant behavior because I have proof on making the arrangements payment of {$37.00} on XX/XX/2024. .This creditor should have given me enough time to pay off the debt. They just wanted to ruin my credit on purpose as a way to discriminate and be unfair towards me based on using my credit report. I called this creditor and they will not answer my phone calls because they know they violated my rights based on FCRA rules. This creditor didnt send me any notice they just reported information to be malicious.
Consumer complaint received 2021-08-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Equifax is denying me my rights under the FCRA to view the results of completed disputes. 
Several of my disputes have been completed but I have no way of seeing the results. ( see attachments ) When a dispute is completed Equifax normally post a pdf file next to the dispute. The PDF has the results of the dispute. There is no pdf files next to my completed dispute results. I filed a complaint through this portal on Equifax and you the ( CFPB ) closed the complaint and did nothing about it. Equifax is still denying my rights to view completed dispute results and you are still doing nothing about it. I want the CFPB to do their job and make Equifax make the results of completed disputes available to me.
Consumer complaint received 2020-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: NAVY FEDERAL CREDIT UNION (LA)

Navy federal government agencies Mobile banking online app XXXX XXXX to The US Department of Labor Freedom of speech tools Consumer financial protection Annual lines of credit permanent end of life declarations XX/XX/2020 Page Transparency mailing address and XX/XX/XXXX Fastest growing occupations federal government credits agencies in the United States of America XXXX XXXX and ages of individuals XXXX down payments XXXX XXXX XXXX XXXX XXXX ; following up on The American Policy holders association XXXX XXXX XXXX producer Update claims case files XXXX owner 's payment tools matching wallets XXXX XXXX XXXX And wife XXXX XXXX real Human services call in numbers XXXX and XXXX garage parking lot declarations Act of Sale Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX change mailing address to XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX matching Voters voters Registry sealed permanent XXXX medical necessary services Post and Annual coverage premium XXXX down rates letters enrollments ending Listing courtesy of XX/XX/XXXX / XXXX XXXXXX/XX/XXXX Last checked : 3 minutes ago Last updated XX/XX/2020 Source : XX/XX/XXXXXXXX XXXX XXXX Report a problem verify by Estately Help Credits federal Frontliners workers legal assistance accommodations now direct Clear swift filling pricing LLC premiums registrations shoppers doing business as Early Warning exampt signs XXXX XXXX Dispatch Emergencies first responders 911 Humane rescue law team XX/XX/XXXXsite total protections trusted site sales boosting overview oversight by Webmaster LA- Help Desk work for anywhere XX/XX/XXXX pin code Verify by XXXX Abuse report merchant fraud ebt food sale authorizing EBT Snap entry method swiped approved online hatch XXXX on XX/XX/2020 Invalid # XXXX approved code XXXX total UDS {$3.00} FD Balance XXXX XXXX United States XXXX XXXX XXXX secured profile 's XX/XX/XXXX XX/XX/2020
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: CITIBANK, N.A. (IL)

I have two credit cards through Citibank. Around XXXX 2019 one of my on-time Citibank credit card payments was applied to the wrong account causing the intended account to show 30 days late. After contacting Citibank support several times and their investigating, I was finally connected to a XXXX XXXX XXXX XXXX ) in Citibank 's " Executive Response Unit. '' He confirmed that the late payment reported was in error and should not have occurred. He wrote a letter ( attached ) saying that the three credit bureaus would be contacted and told to remove the late payment history ( the only late payment in my 20+ year credit history ). XXXX and XXXX  have not removed the late payment - XXXX has. Despite submitting a dispute to XXXX  and including the necessary info they could use to verify that the late payment should be removed, they refuse to do so. I believe this is in direct violation of FCRA. They have information that knowingly shows what they are reporting is false. The dispute from XXXX  is still pending. I am including all three companies : Citibank, XXXX  and XXXX  on this complaint.
Consumer complaint received 2021-08-29
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

To whom it may concern on XX/XX/XXXX i spoke with a manager in regards to the two closed " XXXX '' account. I have documents stating that accounts are not reporting on my file, but i see it still reporting. I have documents from Equifax stating that the accounts were deleted but it still remains on my file. I am asking that the CFPB to remove the accounts as Equifax continually violate my FCRA 15USC ss 1681
Consumer complaint received 2021-08-28
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. (FL)

I found the following fraudulent accounts on my credit report and have provided my identity theft report to the credit bureaus yet the items remain : XXXX XXXX  XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$980.00} XXXX XXXX {$9500.00} XXXX XXXX  Please remove these fraudulent accounts
Consumer complaint received 2020-12-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (WA)

I recieved my first stimulus check on my card & the same thing happened they locked my account right after I recieved the email telling me I got the money. So they provided me with a phone # to contact them & after calling the number they provided it tells me that they are not accepting calls at this time. So my accounts been locked for the second time now after receiving my stimulus check due to the pandemic. Last time it took me 4 1/2 weeks to get someone on the phone.
Consumer complaint received 2020-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Mr. XXXX XXXX of the Bank of America branch in XXXX, New Jersey called me this morning XXXX XXXX and promised that all the over-draft charges at {$35.00} a piece for a total of {$140.00} would be removed as I have overdraft privileges by the end of business on XXXX XXXX. They have not all been removed. Three remain. He lied! 

I have overdraft privileges and so these overdraft charges should never have been made! 

Mr. XXXX also said he " escalated '' the matter but the said overdraft charges remain! 

I can not, therefore, use my checking account!
Consumer complaint received 2020-12-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc (IN)

Synergetic communications Inc. based out of XXXX Texas is stating that they are representing a creditor called XXXX XXXX XXXX and that I owe a debt originating from XXXX  XXXX. I never of had such a debt nor have owed that debt. Ive looked through my credit report and show no record of it existing. I have excellent credit and would easily know if I owed anyone. This seems like a scam or some type of bogus attempt to extract money.
Consumer complaint received 2020-12-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (WA)

In XX/XX/XXXX, my checking account was compromised. I had to change checking accounts. I updated the payment information in my Loan Service Provider, but they did not update my automatic payment. They tried to debit the previous checking account, and it failed. They apparently sent a letter I never received. After said letter, they stopped all communication. They stopped sending any kind of billing notice. I did not receive a bill either electronically nor in the mail for over 15 months. I checked in on my account after realizing I hadn't seen a bill or debit from my account in a very long time and learned they had not billed me, but continued to accrue interest. So not only did they not notify me that I had a balance and payment due, but they also did not attempt to debit the updated payment information. I went to pay off the loan, and when I tried to do so, it gave me a total to pay off less the interest from the current month ( {$150.00} ), so even if I went through and paid the amount suggested, it would still leave a balance owed on the account. I believe that I should have legally been notified of a balance due, of a payment due, but was not sent any notification of the matter from XX/XX/XXXX - XX/XX/XXXX. The company was American Education Services.
Consumer complaint received 2021-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CO)

Hello : I have a mortgage with XXXXDovenmuehle Mortgage that I closed on in XX/XX/2020. My home is new and the property taxes were estimated for the escrow account. In XXXX of 2020 I discovered the estimated taxes ( {$2600.00} ) were much higher than the actual property taxes of {$710.00}. I began calling and emailing the lender to adjust my payment and perform an escrow analysis. On XX/XX/XXXX I emailed the actual tax bill to the lender and the first installment ( {$350.00} ) was paid to the county on XX/XX/XXXX. 
I finally received an escrow analysis on XX/XX/XXXX and the amount used for the taxes on the analysis is {$2600.00} which is not the amount due for the taxes. The lender has not adjusted my payment and/or corrected the analysis. When I brought this to their attention their response was I could file a complaint with CFPB, there was no assurance this would be fixed.
Consumer complaint received 2021-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Company Name XXXX Type Bank Date Inquired XXXX XXXXthey sgreed to remove but have not removed feom transunion yet .need remobed asap this was fraudulent due to deo error in stolen data. 
Fraudulent. XXXX had my info compromised. I did not do it credit one agreed to remove. Transunion had failed to remove. 
Also Company Name XXXX/XXXX  Type Bank Date Inquired XX/XX/2021 Also fraudulent. XXXX had my personal info stolen
Consumer complaint received 2021-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I called Chase Bank and asked them if I was able to deposit an endorsed check for my nephew. After getting the okay and instructions on how to endorse the check, I deposited it into the ATM. A few days later I tried to pay a bill online, but my transaction did not go through. I immediately called Chase who informed me my account was frozen until my nephew 's identity could be verified. We then went into a Chase branch and explained how his ID was stolen. The supervisor said we should go to the DMV and bring back the print out, which we did. When we went back to the branch, we were then told per the fraud department that only his actual ID would work or we would have to wait until the XXXX for the check to clear. His ID had not come by the XXXX and the check cleared, but I was then told that I still had to wait and my accounts were still frozen, including my own personal money already in my account. Finally on the XXXX his ID came and we went into Chase and cleared the hold and were told that after 30 mins to go to the ATM to withdrawal the funds. I went to the ATM and my accounts now had a XXXX balance! Chase was closed as well as the phone department. The next day I went into thr branch who told me that as I was in the branch the previous day clearing everything up, they closed my account on suspicion of fraud for not bringing in my nephews ID and closing my account at the very same time. They told me that my accounts are in fact still open but they already issued a check to be mailed so I would have to wait another 7-10 days to access my funds!
Consumer complaint received 2021-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (LA)

Hello, I received a deposit from XXXX for the paycheck protection program which I legally qualified for and as soon as my deposit hit my account they immediately put a security hold on my account without notice or notifying me, blocked access to my debit card and didn't respond when getting into contact with them to let me know what i need to provide to lift this hold on my account, they have been having a hold on my account since XX/XX/2021 and it has put a financial burden on me and my business causing a temporary shut down, me losing employees, also me losing a vehicle and ruining my reputation it was bad enough covid put a strain financially on my business now this, and it has been going on for 6 months I tried to settle this peacefully but this is illegal and out of hand. The amount of the deposit was {$48000.00} and the deposit date was XX/XX/2021
Consumer complaint received 2020-12-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (TX)

I am XXXX XXXX XXXX veteran permanent and total. I no longer have to pay property tax in state of Texas. Quicken loans was noticed by the state and they sent me a letter stating I am owed a refund of XXXX. The state told them for 2020 I no longer pay tax. My monthly payment had me paying XXXX dollars for property tax at 12 months that is XXXX. I have asked quicken loans to re run the numbers and I am getting the run a round. Also I am in forbandance I own XXXX and they said they can not use the money in my overage to apply to what is owed
Consumer complaint received 2021-08-30
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. (FL)

I was looking over my Equifax Credit report and I have no idea where all of the inquires below came from. I have tried to dispute this with Equifax but have been unsuccessful. None of these inquiries are showing on the other 2 major credit reporting agencies. I am asking if you could help assist in this matter since Equifax is not help me at all. Thank you XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SERVICES XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-29
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: ENCORE CAPITAL GROUP INC. (CO)

I have reached out to the credit bureaus and the creditors XXXX XXXX, MIDLAND FUND ( Original Creditor : XXXX XXXX XXXX ) and XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ). These accounts are out dated and Paid in full. I have asked the bureaus and the creditors to remove/correct their inaccurate reporting. Please help. These account are incorrectly reported and impacting my credit score negatively. TY
Consumer complaint received 2020-12-31
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. (NJ)

I am a victim of identity theft. I submitted a dispute to Experian on XX/XX/2020 disputing a few inaccuracies on my credit report. Experian failed to provide any results into my investigation via mail within the 30 day allotted by law. On XX/XX/2020, Experian sent me a online notification via my Free Experian account informing of an " Update ''. I NEVER received any " Dispute Results '' to date. They are notorious for disregarding consumers and not investigating these issues in a correct and ethical manner.
Consumer complaint received 2021-08-29
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: Aldous & Associates, PLLC (CO)

I have reached out to the credit bureaus and the creditors XXXX XXXX, XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) and ALDOUS ( Original Creditor : 05 XXXX XXXX XXXX XXXX ). These accounts are out dated and Paid in full. I have asked the bureaus and the creditors to remove/correct their inaccurate reporting. Please help. These account are incorrectly reported and impacting my credit score negatively. TY
Consumer complaint received 2020-12-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

I am a Federally Protected Consumer and Resurgent Capital Services has attempted to collect on an alleged debt. Resurgent Capital Services mailed me billing statements from XXXX-XXXX XXXX XXXX XXXX. Resurgent Capital Services has invaded my privacy. 
Pursuant 15 USC 1692c ( b ) I never gave Resurgent Capital Services written or oral permission to have my personal information. Pursuant 15 USC 1692b ( 2 ) Resurgent Capital Services can not state that such consumer owes any debt ; Resurgent Capital Services mailed me billing statements from XXXX XXXX XXXX XXXX along with an account summary from the " original credior '' XXXX XXXX. According to 15 USC 1602 ( g ) I am the original creditor. Resurgent Capital Services, XXXX XXXX XXXX XXXX and XXXX  XXXX  can not create, extend or give credit. Please the attached.
Consumer complaint received 2021-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (MI)

ATT IS SAYING THAT I OWE A BALANCEOF {$6600.00} WHICH I DONOT SOMEONE MUST HAVE USED MY NAME WHICH IT WAS ALOT OF PHONE FRAUD IN MICHGAN AND AROUND WHERE I LIVE I REPORTED IT TO THEM BUT THIS ACCOUNT WAS SENT TO COLLECTIONS WHICH THE NAME OF THE COLLECTION COMPANY IS ( AFNI ).
Consumer complaint received 2021-01-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (OH)

My blue bird card was stolen I called to get it cancelled witch I did but before I could give out the new address to customer service the woman had already hit the button to send out a new card I tried to explain to her that I was no longer at that address I was in another state she told me it was to late I would have to wait my 7 to 10 days and if I didn't get the card to call back in .. I have been trying to call back in to customer service for 2 days now with no luck I want to speak with someone about how this went about I now am going to have to wait 20 days just to get my card an my money ... I am not happy!!!!!
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2021-01-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (SC)

This debt is for an alleged debt with XXXX. Originally the collection was XXXX I disputed the collection action/debt and it was removed from my credit report. 

Now obviously the debt has been sold to another collection agency who reported the debt to the credit reporting agencies. 

I have received no communication from the collection agency in regards to this debt. I have requested proof of the debt ( ie signed contract/s, copies of my identification, etc ) To date no proof has been presented for this debt. 

I filed a dispute with XXXX today XXXX and received notification today XXXX that I am responsible. What kind of investigation can be done in 2-3 hours and where is the written proof that I'm responsible for this debt. 

I have advised on numerous occasions that I am unaware of the account in question and that my identity was stolen. Still no resolution. 

If you look at my credit history I don't have any collections. I'm not financially irresponsible nor would I ignore a legitimate debt. 

This is impacting my credit and it should be removed.