davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

The information concerns the status of my husbands XXXX student loan on which I was a co-signer in XX/XX/XXXX. The loan number appears on my credit report as follows : XXXX The original amount is {$2400.00}. <P/>My husband and I submitted the attached letter in XX/XX/XXXX and the loan information on my husbands credit report was corrected but mine is still inaccurate. The loan is still listed as a negative item on my Experian credit report. On XXXX and XXXX it is showing correctly and not affecting me negatively The following comments appear in the status and comment sections related to the loan : Paid in settlement ; Account paid in full for less than full balance. It is also showing a late payment in XX/XX/XXXX. We have never been late on a payment. <P/>As you will see by the attached letters, I have disputed with both XXXX and Experian but Experian will not correct the problem. My husband disputed it and they removed it from his Experian report. Since I am just the cosigner it should be corrected on mine also. I have disputed with Experian 3 times and they will not adjust it even though it is showing correctly on my husbands report and the other 2 reporting agencies.
Consumer complaint received 2021-12-16
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. (NJ)

I had a car loan with XXXX XXXX. There was a Class Action Settlement regarding improper collection practices, which as a part of the settlement, XXXX XXXX agreed to remove included loans from all credit reports. The loan was not removed from my credit report even though I submitted the settlement documents to each of the 3 bureaus.
Consumer complaint received 2021-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC (MI)

Repeat issue with partial payment plan agreement from XXXX ( resolved ) into XXXX ( failure to resolve ) Chat transcript with Heartland ECSI representative took place in XX/XX/XXXX to continue XXXX payments, each removed electronically, without fail, from bank account each month. Lender/servicer failed to report partial payment agreement, resulting in credit score damage.
Consumer complaint received 2021-12-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NY)

Hello I am writing because after I have tried to resolve this issue with my bank they came back and said that charges were not fraudulent because the company was able to give them my name, address, and email address? This is public information in which has me highly confused! I have lost over {$2000.00} in XXXX due to me losing my handbag, in which my phone was in, my debit and credit cards were in, among other things. I have even filed the same dispute with my credit card who in turn responded that the charges were indeed fraud so it really is baffaling how my bank is allowing someone to rightfully steal from their very own customers. Aside from this TD bank has charged me an obscene amount of overdraft charges due to these fraud transactions as well, when I mean obscene I mean hundreds and hundreds of dollars for transactions that I did not even process.
Consumer complaint received 2021-12-16
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. (IL)

I, the consumer, have identified multiple unauthorized inquiries with either open, closed, or no accounts. Whenever I call TransUnion, XXXX, or XXXX about this issue I am told that the inquires are accurate ( when they are not ) and I should add an identity theft ( which I do not want ) alert on my credit profile. TransUnion, XXXX, or XXXX can not furnish factual or nonfactual information that is a result from a transaction that arose from my credit card. First, I, the original creditor and consumer can verify what is and what is not accurate. I never gave TransUnion, XXXX, or XXXX the authority or permission to furnish or update a credit report on my behalf. They did not inform me with me first about any of the inquires or updates before verifying that it is mine. This has been going on for almost 2 years and I am extremely tired of this. I submitted an identity theft report several times and still being taken advantage of TransUnion, XXXX, and XXXX credit reporting agencies. I am a natural human being and I have more power and rights that any person who consider themselves a business or organization. TransUnion, XXXX, or XXXX are criminally and civilly liable for reporting inaccurate inquires.
Consumer complaint received 2020-12-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have reached out to the bureaus on XX/XX/2020 and I haven't received any type of indication/notification of the investigation being worked on. I feel like i'm being taken advantage of at this point. I according to the FCRA these inaccurate unverifiable items must be deleted immediately. It's been well over 30 days I just want these problems resolved.
Consumer complaint received 2020-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (UT)

Tried to access my 3 bureaus and they will not show me my report. They mask it all and just want to sell you garbage. Such fraud, my gosh why is this allowed? I just want my reports and dispute the wrong stuff. I don't have the time or patience to make a career out of getting this done!!!!!! Such fraud and illegal activity ... ..and illegal reporting as always and refusing to delete the wrong stuff. What else is new?

No phone but they think they can require one to get my report ... .my gosh ... .. they will not give a report unless I give them a bunch of personal info. that's none of their business!!!! ... ..and I don't have it ... .good grief, why does it take this extent for this? Such fraud ... .and it's MY information they never even got my permission to gather and disseminate ... .and it's wrong info. to boot ... ..
Consumer complaint received 2021-12-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (AL)

Citibank ( for Home Depot ) recieved my payment ontime on the XXXX. They acknowledge it was recieved on the XXXX. They have charged a late fee of {$29.00} because it was a weekend and my bank did not release the funds because it was a weekend.
Consumer complaint received 2021-12-16
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)

Greetings, I have made attempts on several occasions to apprise all XXXX credit bureaus of my concerns. I went through the process of filing an identity theft report and sending certified letters, to dispute an account ( XXXX XXXXXXXX with a {$0.00} balance ) that is due to identity theft. 

Though I had an authentic identity theft report, I was told that the report was not authentic and the account remains on my reports. These credit bureaus are not exercising ethical practices consistent with the Fair Credit Reporting Act. 

I have recently sent letters to continue to request proof that the account in question belongs to me. The original address that they have on file is not an address that I have lived. They are continuing to send letters with old statements in response to my request to verify the account. They have yet to provide anything with any proof reflecting my signature. This is unlawful and it is negatively impacting my credit.
Consumer complaint received 2017-07-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Synovus Bank (GA)

I was approved for a XXXX HAFA short sale on XX/XX/XXXX by XXXX XXXX the first mortgage holder. I also has a 2nd lien from XXXX XXXX XXXX XXXX/Synovus. I was notified on XX/XX/XXXX from XXXX XXXX and XXXX XXXX that they would consider a {$7500.00} payment from the first lien holder. Six months later I had negotiated a contract and the condition for the first was that the XXXX could get {$6000.00} which was negotiated in the contract. When I told XXXX XXXX XXXX XXXX I had a contract and was ready to close they said they would NOT forgive the debt ( {$55000.00} ) but would release the lien to allow it to close. The payment was only {$55.00} a month at the time and I did n't know what else to do. Although, a condition from XXXX was never met.. '' prior to releasing any funds to a subordinate mortgage/lien holder, the servicer through its agent must obtain written commitment from the subordinate lien holder that it will release the borrower from all claims and liability relating to the subordinate lien in exchange for receiving the agreed upon payoff amount. '' The clear intent of this government program was to help customers who were underwater on the values of their home to avoid foreclosure. XXXX XXXX XXXX XXXX  refused to accept ANY funds, even if it reduced my liability. They clearly skirted the real intent of this program by not accepting any funds thinking they could still go after the borrower for the full amount of the lien. How can they arbitrarily pick and choose which customers they decide to accept the short sale on and which ones they do not? I met all the terms for the HAFA program. I closed on the short sale XX/XX/XXXX and never signed a new note or understood the terms at closing. On XX/XX/XXXX I received a " Demand for Immediate Payment '' letter for the {$55000.00} which was the first notification I received although I had been paying the {$55.00} on time. Apparently it was a 10 year note and it was due. They gave me 10 days to pay off the note. I hired an attorney and have been trying to settle. I offered them {$10000.00} ( which I do n't think I even owe that ) and they would NOT accept any payment but wanted the entire amount. The question is.. was in XX/XX/XXXX a 2nd lien holder under a HAFA loan allowed to not accept any monies and in turn go after the full amount from the borrower? In the servicing Guide of XXXX, Part VII, Section 604 : Preforeclosure Sales it reads XXXX XXXX IS REQUIRING ANY PAYMENTS TO SUBORDINATE LIENHOLDERS TO BE PAID FROM THE SALES PROCEEDS AT CLOSING FOR EITHER A SHORT SALE OF DEED-IN-LIEU OF FORECLOSURE, IN EXCHANGE FOR A LIEN RELEASE AND FULL RELEASE OF LIABILITY FOR THE BORROWER. ALLOWABLE PAYMENTS FROM THE SALES PROCEEDS TO ALL SUBORDINATE LIENHOLDERS TO FACILITATE LIEN RELEASES MUST NOT EXCEED {$6000.00} IN AGGREGATE. XXXX XXXX XXXX XXXX/Synovus is requiring {$55000.00} to release the lien. Again, this was clearly not the intent of this program. My attorney felt like I was " strong armed '' in to closing this deal.
Consumer complaint received 2021-12-16
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. (PA)

I was attempting to purchase a vehicle through XXXX XXXX in XXXX, Maryland ( XXXX XXXX ), and my credit was run multiple times resulting in a lower score. My credit was run on XX/XX/21, and I was given finance options, final numbers, and entered into a verbal agreement with a {$500.00} deposit on XX/XX/21 ( credit card statement attached ). When I arrived at the dealer to pickup the vehicle on XX/XX/21, my credit was run again for no reason and with no notice given to me ( I realized a week later when I checked my report ). I have since applied for another vehicle loan for a secondary vehicle, and I may not have gotten the best rate possible due to this error.
Consumer complaint received 2023-03-10
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 submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validatedthese accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2017-12-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

I 'm filing a complaint against Chase @ XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CO XXXX and XXXX XXXX XXXX, XXXX. @ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX, for wrongfully and illegally foreclosing and selling of my property @ XXXX XXXX XXXX, XXXX, TX XXXX on XXXX XXXX, XXXX. Both were given a copy via certified mail, of a Land Patent that has been brought in my name, and therefore they do n't have the legal authority to sell my property. A Land Patent is the  only form of proof of absolute title to land/property in the United States of America. Since neither has title to my property, how can they foreclose or sell the property? Also, in the case of foreclosure by a bank, the law is on the books today which says that any debts, which lie against the land, that existed prior to the land patent being issued, are removed from the land. There still may be a debt owed, but my house/property is off limits, lawfully. 

On XXXX XXXX, XXXX, I requested from chase the original wet ink signature copies of the Promissory Note and Mortgage/Deed of Trust in order to prove that Chase has the legal authority to foreclose on said property. I 'm challenging the debt that Chase claims I owe. I have demanded proof of standing to collect or foreclose and of the debt owed to Chase. To this date, I have not received any requested documentation of proof from Chase and therefore demand that Chase and their attorney immediately stop the sell of my property on XXXX XXXX of XXXX. 

I also challenge that I may not have received an actual loan, since the bank 's account was never debited, and my account was never credited, makes the loaning of credit only unlawful. All monies and interest that repay the mortgage are pure profit to the bank. Plus with the fact that the Promissory Note that I signed was sold without my permission, my mortgage debt to them is actually paid in full with that note. Therefore, non-disclosure by the banks, created by the bank of these important facts can be legal grounds to have my mortgage taken off the books and forgiven.
Consumer complaint received 2021-12-16
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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2020 I made my monthly payment to my Bank of America XXXX loan. When I got the load through them I registered a online account with them. When you do this you add you bank information ( checking ) that I would be using to make the payments. 

I made several payments through the system. Its important to know that when you register the account you do not have to re-enter your banking information again as the system has it on file ( banking information which you are making the payments ). 

I when into the online account on XX/XX/2020 and made my monthly payment as usual and took a photo of the confirmation number as I always do. I have photo and date of photo as proof. 

In XXXX I received a late payment notice on my credit report. I called BOA ( Bank Of America ) and the customer service rep told me that they did not know why the payment did not go through. But because of the issue of the conformation number the system does not recognize the payment was not made and BOA does not call as a reminder of a payment not being made in time. The customer service rep said I probably did not have sufficient funds in bank account to make payment. 

I have a photo of my bank statement from XXXX that I had a balance of {$15000.00} at the time of making the payment. 

I think it is not my fault and I did make the payment in good faith and it was BOAs system that had a failure and I would like to have the late payment removed from my Credit Report if only fair and just.
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Innovis (OH)

My name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX, OH XXXX my SS is XXXX my DOB XXXX. I AM REQUESTING A BLOCK /FREEZE! I have had issues with unknown addresses and I have addresses on my credit the are not mine please delete the following : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2021-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (NY)

XXXX, 2021 statement lists total charges, credits, and returns as {$1200.00}, but auto pay took {$1200.00} out of my checking account. Now my XXXX statement says the total charges, etc. are {$1100.00}, but they are planning to take {$1100.00} for payment in full. Both statements say no interest was charged. Every charge that appears on each statement is reconciled by receipts that I have retained. I have no receipts that are not accounted for. I want to know why the payments taken from my checking account are greater than my total charges, credits and returns. Multiple calls to AppleCard have had ludicrous results. The first agent could not find my XXXX statement. The second agent produced figures that were completely incomprehensible. When I asked to speak to a supervisor I was referred only to another agent who could not explain the discrepancies. Finally I was told XX/XX/XXXX, that the problem would be sent to account management and I would receive a call from them within a week. Call did come XX/XX/XXXX, and left a message from " XXXX '' to call back leaving the same number I had already called multiple times. I did call back, was put on hold, and then disconnected. Calling again resulted in two " beeps '' and then a long silence with no connection established. Of course I have cancelled the card, but I am owed a refund on the mysterious overpayments taken out of my checking account on auto pay.
Consumer complaint received 2020-02-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Credit & Collection Corporation (WA)

Daily phone calls/message about unknown collection. Garbled message, does not ans2er return calls. Very common robocall, even uses your name. Many have the same experience from XXXX. Aparantly originates from check cashing at casinos.
Consumer complaint received 2023-03-10
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)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validatedthese accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-12-16
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. (VA)

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. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX ( XXXX yrs., XXXX mos This vehicle was repossessed by ( XXXX XXXX XXXX ) in the State of ( Florida ) on or about, XXXX XXXX and resold on or about XXXX XXXX Under the laws of the State of Florida UCC 9.506 and State XXXX  and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I requested them to provide proof within XXXX  days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. I have not yet received the proof have not been provided of the GAP insurance value, And the resold on the Auction. This had been over XXXX  years me requesting from them. Additionally, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC remedies. 

The vehicle begins to have engine problems, which I was finance extra into my loan to cover engine and transmission. I had the car less that XXXX  days I brought the car to the approve repair show that they provided. They advised me that it was engine issue that they would need to open the to repair. They put in several claims to the warranty to the company so they could repair the car. They then raised my car payment from {$450.00} to {$890.00} per month. I was ahead on the payments XXXX  months going back and forth with the claims of this company being without out this car. I then was told I could then get another car, but only from the same dealer as I had already had issues with the first car. The car was left at the dealer repair shop. I put down {$5000.00} they increased my car payments so that I could no longer afford them. Then removed the car from the car repair shop.