davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-26
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. (LA)

Im entitled to an accurate an complete credit report I have new evidence to show I never had a late payment from the credit reporting account XXXX XXXX XXXX  ACCOUNT NUMBER XXXX, I also have proof they have been looking into a DUPLICATE account under the same name XXXX which shows close, I DEMAND METHOD OF VALIDATION. as I have contacted the creditor as it is my right & have verified THEY ARE NO LATE PAYMENTS ON MY ACCOUNT ; I Demand a credit investigation be preformed. ( documentation attached. )
Consumer complaint received 2021-12-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Spring Oaks Capital, LLC (GA)

THE COMPANY ~ SPRING OAKS CAPITAL LLC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS ON MY CREDIT REPORT AS OF XX/XX/2021 STATING THAT I OWE XXXX. I DO NOT KNOW WHO THIS COMPANY IS AND I DON'T OWE THEM ANYTHING. I HAVE NOT RECEIVED ANY NOTICES IN THE MAIL OR EVEN BEEN CONTACTED BY THIS COMPANY PRIOR TO THEM PLACEING THIS ON MY CREDIT REPORT. I FEEL THAT DURING THIS PANDEMIC ERA THAT THE WORLD IS IN,  COMPANIES ARE TAKING ADVANTAGE  OF CONSUMERS AND DOING FRAUDULENT THINGS TO OUR CREDIT REPORT AND THINKING WE WON'T STAND UP FOR OURSELVES. IT SHOULD BE A LAW AGAINST THIS. AND IF IT'S  ALREADY A LAW IN FORCE,  THEN THIS COMPANY SHOULD BE REPRIMANDED! IT'S NOT RIGHT TO JUST PLACE THINGS ON CONSUMER REPORTS WITHOUT CONTACTING THE CONSUMER PRIOR.  ESPECIALLY IF THE CONSUMER DO NOT KNOW THE COMPANY. OR IF THE ACCOUNT HAS  ALREADY BEEN CLOSED. I HAVE NO IDEA WHO THIS COMPANY IS AND I HAVE NEVER HEARD OF THIS COMPANY UNTIL NOW.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (SC)

If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (SC)

If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt
Consumer complaint received 2024-03-11
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. (MD)

i have called Transunion multiple times and requested. these inquires be removed. every other credit bureau has already removed them but Transunion has not 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 2023-02-14
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. (TX)

Months ago, I have sent a letter to the XXXX credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please delete the following items that are harming my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-12-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (IL)

I have been blocked obviously from the bureaus for frivolous disputing after disputing items over and over they block you from disputing that item. So now I have to dispute through the CFPB and the FTC. I know my consumer protection rights I am 20 hours away from my XXXX  degree at XXXX I cant wait to pass the bar. 
I recently received a copy of my credit report and I noticed XXXX, XXXX, and XXXX furnishing accounts on my consumer report that should not be on there. I have directly requested Debt Validation and Proof of Claim documents no response from XXXX. Congress clearly states that they are in violation. I am reciting the law as it is written, since they meaning bureaus and XXXX want to ignore me I will start filing lawsuits for every violation because if Im wrong then congress is wrong. 
( I demand the below accounts be deleted from my consumer report. 

XXXX {$80000.00} XXXX XXXX {$13000.00} The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act . 
[ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension ofcreditdirectly or indirectly by the issuer of XXXX XXXX similar device ; Read the law I did not make this up. 
So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 

I demand these accounts be VERIFIED and VALIDATED to the last cent or deleted from from my consumer report. 
Failure to respond satisfactory with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which. 

I Will be seeking {$1000.00} per violation for. 

Defamation of Character Negligent Enablement of Identity Fraud Fair Debt Collections Practice Act 15 USC ( 1681 ) violations Fair Credit Reporting Act 15 U.S. Code 1681n - Civil liability for willful noncompliance. 

Best Regards, XXXX XXXX XXXX XX/XX/1966 XXXX
Consumer complaint received 2021-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (FL)

On or about XX/XX/XXXX I was told my account was on hold because a suspicious check was deposited into my account. On XX/XX/XXXX I spoke with XXXX XXXX and was told there was an active investigation for deposit fraud. The bank requested that I file a police report and complete the regions ID theft kit, and I completed these in good order. 

I was informed by XXXX XXXX that the investigation was completed, and I was cleared of any deposit fraud. When I went to give XXXX XXXX the paperwork, I was informed my account was closed, and my social security number was flagged so tat I could never open a new account with regions. There were also unexplained fees from the bank that left my account overdrawn. 

I feel that I have been taken advantage of by regions banks as this is the first bank account I have opened on my own, and on XX/XX/XXXX XXXX XXXX emailed me to inform me that him and his XXXX are in agreement that I did not remotely deposit the check and that my identity as well as my online banking were compromised. I should not have to pay for something I didnt do. The bank did confirm in our call today they do not charge other bank customers any fees when they have fraud on their account. 
Please note that I have filed a complaint on this matter with the XXXX attorney general XXXX XXXX office,
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am not liable for this debt with the following third party collections and other agencies : 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 I do not have a contract with them and they did not provide me with the original contract as I requested.
Consumer complaint received 2021-12-28
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: EQUIFAX, INC. (CA)

I have disputes with XXXX about the information on my credit from XXXX XXXX. As stated before I called and requested the service be turned off it was never done but they continued to bill meXXXX has left this on my credit report and has damaged my credit. XXXX XXXX  has been sued by the FTC along with law enforcement agencies from at least 6 states. The XXXX has received XXXX complaints in the last 3 years and XXXX in the last 12 months for the same issue I have complained about.and yet XXXX still has yet to act on my complaint. XXXX XXXX has a XXXX rating. I have disputes with Equifax about the information on my credit from XXXX XXXX. As stated before I called and requested the service be turned off it was never done but they continued to bill me.XXXX has left this on my credit report and has damaged my credit. XXXX XXXXXXXX has been sued by the FTC along with law enforcement agencies from at least 6 states. The XXXX  has received XXXX complaints in the last 3 years and XXXX in the last 12 months for the same issue I have complained about.and yet Equifax still has yet to act on my complaint. XXXX XXXX has a F rating .I did pay the bill after being harassed while my son was in the hospital for a XXXX XXXX I was told that once I paid the bill it would be deleted from my account by XXXX XXXX representative that was never done. This should have been deleted off my credit when I disputed it. The two credit did not investigate this complaint seriously if they had they would have seen the XXXX warning that included this statement On XX/XX/2019 and XX/XX/2019, XXXX  attempted to contact XXXX XXXX XXXX regarding a high volume and pattern of serious complaints. XXXX  received complaints in the alleging customer service issues, missing appointments, decline in services previously handled by other providers who XXXX has assumed, billing issues including additional service charges for periods once the consumer has cancelled services.which was my main complaint that I called and asked for the service to stopped and it was never done and they continued to bill me. No one was in the home at the time we were in another state for my sons XXXX XXXX.
Consumer complaint received 2021-12-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (VA)

I received an email on XX/XX/27 stating I opened an account with wellsfargo, later that day I received an email approving the account and then I received an email stating that the email address was changed. I contact wellsfargo because I havent had a bank account with them in the past XXXX years. I closed all my accounts with them. They told me they were going to freeze those accounts, I recently contacted XXXX as well to report this incident. They also used an old address that I used to live at 8 years ago XXXX XXXX XXXX XXXX, XXXX, NM XXXX
Consumer complaint received 2021-12-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (TX)

I have called PNC numerous times over the past few weeks to ask them to apply my payment. They continue to hold my payment ( {$2100.00} ) in some suspense account. As seen in the yellow circles, I have made a full payment with my two biweekly payments. You can also see that they typically apply that payment right after they receive both halves. This month they have been holding both halves of my payment for over two weeks. Ive called XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. They still wont correctly apply my payments. 

Their system also undid two separate principal only payments that I made. Once for XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. Both of the screenshots show that I wanted these applied directly to the principal but they reversed it and moved the funds to a suspension account. 

I respectfully request that they correct everything and get my balance updated properly because interest is getting calculated on the outstanding balance. But because they are refusing to apply the payments I sent the interest is being calculated on the wrong amount.
Consumer complaint received 2021-12-28
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. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : 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 2021-12-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

PHH mortgage company paid XXXX taxes for XXXX and refunded the amount left escrow to us. When we called the customer service line they stated the escrow department does not take calls and gave us an email address. We sent correct tax statements to PHH that we ourselves found on the XXXX XXXX tax website and informed them of what they should have done. We informed PHH of their mistake, gave them the correct documents that they should have had and done themselves. PHH then stopped communicating with us. We have been unable to get ahold of any one in the escrow department since XXXX XX/XX/XXXX. No one will return our emails or even call us. I have called the customer service department and all they can tell us to do is look online and check our statements. We want someone to talk to us take the check back they sent us to correct the now deficit in our escrow account that their incompetence created.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2022-12-20
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-12-28
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. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : 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 XXXXXXXX
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

I had an account with chase. It was an amazon card. For whatever reason Chase decided to close this account. The account had a {$170.00} balance. Chase took me out of their system. I was unable to sign in online to pay. They sent me a notice so I called their phone #. The system would not let me talk to a person unless I had my account number. I did not have it. ( this was an amazon card that is all I used it for ) So after they sent me another notice, I went to a local branch. I explained my problem, and they gave me the right number to call as well as my account number which I did not have. I called it, and paid the balance in full. Now they are reporting me for a late payment on my credit that I have been working very hard on to get great. Not fair. They removed me from their system and left me no way to pay. I took the initiative to find a way to reach them and paid in full. They then waited XXXX weeks and are reporting me late now. I called them to dispute this. Twice. They said that there is nothing they can do to change it. I disputed with XXXX, XXXX, and XXXX and they all just put a little note stating that the customer disputes. Again- not fair. Doesnt help the impact on my score which is down like XXXX points for this one ding. Also, Chase has refunded me the entire late fee. I think that fact by itself is enough to prove that Chase recognizes that the late payment was their fault and not mine. PLEASE help!
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (WA)

I have requested on more than one occasion from all three credit reporting agencies that the attached information for the account in question be removed and it remains on my credit report despite it being well over seven years old.
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, 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. (WA)

I have requested on more than one occasion from all three credit reporting agencies that the attached information for the account in question be removed and it remains on my credit report despite it being well over seven years old.