davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I took out a car loan from XXXX in XX/XX/XXXX for a XXXX. I was never late or missed a payment. I decided to trade the car in for a XXXX in XX/XX/XXXX. The XXXX was parked at the XXXX dealership ( per the dealership suggestion ) while awaiting the trade-in but was towed for exceeding a Parking limit. I was not aware it was towed. The tow company called XXXX ( as they are the registered " owners '' of the car until I pay of the loan ). XXXX failed to reach me promptly so they paid the tow company fees. I learned the car had been towed, called XXXX, repaid them the fees, picked up the car and traded it in for the XXXX and paid off the remaining loan for the XXXX. XXXX assured me that there would not be any affect to my credit for the misunderstanding. I did not default on the loan in any way. However, " Redeemed Repossession Closed '' is in the remarks on some of the credit reporting agencies. This remark has prevented me from obtaining a business loan and I would like it removed. This was a miscommunication issue that was resolved within a few days and XXXX assured me it was cleared and would not show up on a credit report. I have attached a copy of one of the credit reports that shows that no payments were missed or late, the loan was paid in full.
Consumer complaint received 2022-06-14
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. (LA)

In accordance with the Fair Credit Reporting act XXXX Account below has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right ton 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 Creditor Name XXXX XXXX XXXX Account No. 
XXXX Creditor Name XXXX XXXX XXXX, XXXX Account No. 
XXXX Creditor Name XXXX XXXX XXXX Account No. 
XXXX
Consumer complaint received 2023-04-08
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. (IL)

I have previously submitted my complaint with the credit bureaus and later to the CFPB. To no avail, an account is still reflecting incorrectly on my credit file. CFPB has not failed to help me get this issue resolved and I still have not been monetarily compensated. Now I am being charged even higher rates and am being affected from finding an apartment. 
The account in question is XXXX XXXX ACCOUNT NUMBER XXXX ADDRESS XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX is still only reflecting incorrectly on XXXX AND NOT XXXX OR EXPERIAN. The information across all three reports is inconsistent and go against the laws regulations which state information should be consistent and after the investigation 30 days if it is not fix it needs to be removed. This needs to be fix and completely removed since all three bureaus continue to refuse to actually update my credit file with consistent information. It has now been XXXX  days and this issue still isn't fixed and their investigation only left me with more fees. I have attached the credit reports with show the inconsistent information. XXXX XXXX is on XXXX and not on XXXX or Experian.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Im submitting a first 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 COMMISION 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 the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance XXXX {$910.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$320.00} XXXX XXXX XXXX Original creditor XXXX  XXXX Balance : {$230.00} XXXX XXXX Original creditor XXXX XXXX  XXXX XXXX Balance : {$1600.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX : {$97.00} XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I SENT THREE CERTIFIED LETTERS TO ALL THREE CREDIT BUREAS PROOF SUBMITTED AS WELL THIS COMPANY XXXX XXXX XXXX XXXX # : XXXX NOT VALIDATE THE DEBT OR RESPOND THATS A VIOLATION OF 15 USC 1692 ( G ) ( B ) I ALSO SENT PROOF WITH TRACKING INFO SHOWING IT WAS DELIVERED XXXX XXXX EXPERIAN IGNORED IT DID NOT INVESTIGATE VIOLATION OF 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. I NEVER RECEIVED ANYTHING FROM EITHER COMPANY WHICH IS A VIOLATION OF 15 USC 1681 SECTION 611 ( 2 ) ( A ) I WANT THIS ACCOUNT REMOVED ASAP AND PLUS THIS COMPANY IS NOT REGISTERED WITH DCLA DEBT COLLECTIONS LICENSING ACT
Consumer complaint received 2024-03-06
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My experience is : I started applying for unemployment benefits in XX/XX/XXXX. Because I changed my residential address, the Unemployment Bureau needed me to further verify my identity. I also completed the certification in accordance with the requirements of the Unemployment Bureau. However, this time the welfare fund It was not issued to my Bank of America prepaid debit card as usual, but was mailed to my home via check. Then when I went to withdraw the money in bank of america i foud out my Bank of America prepaid card was blocked. so I started to contact XXXX. XXXX  said that I had completed the identity verification and that their relevant departments would notify the Bank of America to unfreeze it. The matter should have been over. But no, the bank kept telling me that they had not received a notification from XXXX to unfreeze my bank card. I kept contacting XXXX to ask them to unfreeze my bank card. Until XX/XX/XXXX, I contacted XXXX and asked to unfreeze it again. They told me that they had notified Bank of America many times. it was XXXX. I took all the documents that could prove my identity, including my U.S. green card, ID card, employment card and some bank cards back to bank of america office.under the certification of the Bank of America staff. During the service call, they informed me that my card had been closed, and the balance of US {$3600.00} had been refunded to XXXX on XX/XX/XXXX. I asked why, and they said that my card had been frozen by XXXX, and now that it is closed, they will refund the money. XXXX, then I contacted XXXX, and XXXX told me that they had not received any payment from bank of america, and asked me to contact Bank of America again. I contacted the bank again, and the bank still said that the refund was given to XXXX. I asked them to give me their transfer confirmation code., they said no, I asked them to reconcile with XXXX or contact XXXX to confirm the payment. The answer given by Bank of America was that they did not have a transfer confirmation code and would not contact XXXX directly. They only asked me to contact XXXX by myself. I have I contacted XXXX many times and they confirmed that they had not received any refund and they already notifica bank to unfreeze my account. Now I am so helpless. Bank of America refunded my money to XXXX without notifying me, and then refused to follow up .and they can not give me a transfer confirmation code let me comfirm with XXXX. and now refuses to serve me because my bank card has been closed. I have no way to complain and get help to solve this problem and get my money back. I hope someone can help me.The problem of my bank arose from the cooperation and communication between the bank and edd. Both of them asked me to contact each other to solve the problem. As a consumer, I was really helpless.
Consumer complaint received 2022-05-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

To begin this loan had defaulted back in XXXX and Navient took control. I was unable to make payments when they reached out to me at the beginning of XXXX because I am in XXXX XXXX XXXX. They only option they gave me was a temporary forbearance that came with the catch of paying XXXX dollars every 3 months. Now after a year they said I am no longer allowed to do that and my current payment would be XXXX dollars. With increasing cost of living and unchanged wages this is currently not feasible. I tried to negotiate with them and they told me the only option I have would be interest only payments at XXXX and that is also temporary. I only have two years remaining in XXXX  and all Im asking for them is to work with me. Ive even inquired if a qualified under the recent lawsuit but no information was ever given to me. It was basically a take it or leave it attitude with no concern about defaulting and ruining my life.
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I SENT THREE CERTIFIED LETTERS TO ALL THREE CREDIT BUREAS PROOF SUBMITTED AS WELL THIS COMPANY XXXX XXXX XXXX XXXX # : XXXX NOT VALIDATE THE DEBT OR RESPOND THATS A VIOLATION OF 15 USC 1692 ( G ) ( B ) I ALSO SENT PROOF WITH TRACKING INFO SHOWING IT WAS DELIVERED XXXX EQUIFAX XXXX IGNORED IT DID NOT INVESTIGATE VIOLATION OF 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. I NEVER RECEIVED ANYTHING FROM EITHER COMPANY WHICH IS A VIOLATION OF 15 USC 1681 SECTION 611 ( 2 ) ( A ) I WANT THIS ACCOUNT REMOVED ASAP AND PLUS THIS COMPANY IS NOT REGISTERED WITH DCLA DEBT COLLECTIONS LICENSING ACT
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, 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 Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date XXXX : XX/XX/XXXX Balance Owed : {$100.00}
Consumer complaint received 2023-10-01
Product: Credit reporting 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. (FL)

After my dispute with XXXX XXXX and pursuing legal for the bureaus involvement in reporting the account inaccurately. All three bureaus have denied my online access to my credit reports. Which is against FCRA reporting standards and regulations. I should not have to send a request by mail.
Consumer complaint received 2016-03-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (VA)

I have been receiving numerous collection calls on my Business phone for individuals not associated to me or my business. I have spoken to representatives and explained that this is a business number and that the people they are looking for are not associated with this number. This has not stopped the calls. I have received close to 100 calls over the last month. Some calls come within minutes of each other. the last time I spoke with a representative on Friday I told them I would file a complaint with the FTC and Attorney General of my State if the calls continued which they did over the weekend and again this morning. This is what I am now doing. I am attaching a copy of my phone statement indicating the numerous nature of the calls.
Consumer complaint received 2022-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

previous complaint XXXX was not resolved. The bank called me and said they resolved it but they did not fix the issue. 
This was my first CFPB complaint XXXX : I have had my mortgage with Truist since XX/XX/XXXX. The first 4 months I couldnt make payments on line because the phone # they had for me was incorrect so every time I tried to reset my password it would go to their customer service XXXX  number because that was what was input during the botched data base merger when they merged SunTrust and BB & T. I had to go into the local branch in XXXX XXXX XXXX to get it straightened out. The manager XXXX XXXX helped me fix the online issues ( I thought ) and helped make a payment of {$1100.00} and {$200.00} additional on XX/XX/XXXX. The only thing that posted to my account was the payment on principle of {$200.00} I received an email XX/XX/XXXX that my XXXX payment was past due. I want my XXXX payment to reflect that it was paid on XX/XX/XXXX. I havent been able to resolve this issue through Truists customer service. Ive called numerous times and have been told I will be called back and no one ever calls me back.
Consumer complaint received 2018-09-26
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I received numerous letters from Capital One for several months about being pre-approved for the Capital One Secured Platinum Card. I decided to give them a call to see what where the benefits of the card since all of the letters that where sent me had pre-approval codes on them. When I gave them a call I got transferred to the applications department and they gave me a brief explanation of the card. I told them I was going to call them back since I was not ready to apply for the card Last Month. This past Saturday ( XX/XX/2018 ) I seen that Capital One Bank was a hard inquiry on Both my XXXX and XXXX  credit reports from my XXXX XXXX account. Capital One applied to the card for me without my consent. I since decided to contact them that same Saturday but the applications department was closed due to the weekend. So I called during business hours which was the following Monday and The representative from the Applications department told me that there wasn't any applications I applied for on the card. The representative told me to contact all the Credit Bureaus about this issue and to do a victim statement. And that the Fraud department from Capital One is going to do an active investigation. Which could take 7 to 10 Business Days. 

I am writing this to see if there is anything CFPB can do to help me on this. 
I would greatly appreciate it, Thank you, XXXX XXXX
Consumer complaint received 2023-07-22
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: CITIBANK, N.A. (LA)

In accordance with the fair credit Reporting act the homedepot/CBNA, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any other purpose
Consumer complaint received 2022-04-13
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

I am in the process of refinancing a property I have inherited. I am trying to save the property from going into foreclosure. My Lender has reached out several times to request the Payoff Demand from PHH Mortgage and is getting the run around. My XXXX XXXX : XXXX. I also find it strange that I have not been receiving monthly statements. Please look into these matters. Thank you!!
Consumer complaint received 2018-09-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have been fighting an account with XXXX and the three credit reporting agencies. No one would give me history of the account and I believed it to be past the statue of limitations. I finally received the payment history from XXXX and even that information has contradicting information. The ledger shows the last payment was made on XX/XX/XXXX which is not accurate. The payment history they sent shows the last payment was XX/XX/XXXX and the cover letter states the last payment was XX/XX/XXXX. I am not in the mortgage industry but doesn't that appear to be conflicting information? This account per the actual payment history and not all the other things generic forms they supplied validates that the account is past the statue of limitations. The account history also shows that starting XX/XX/XXXX the balance never changed up until the last payment. Even when the payments were made why wouldn't the balance ever go down?
Consumer complaint received 2015-07-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (OR)

The Honorable CFPB & FDIC RequestBRING THIS INFORMATION TO SPEAKER XXXX XXXX & XXXX. XXXX XXXX XXXX AND CHASE BANK OFFICIAL IN XXXX : I write in a escalated serious of Chase Bank required bring XXXX XXXX XXXX to Chase Bank - XXXX, XXXX OR XXXX OR OTHER LOCATION for getting assistance with opening new debit, credit card, checking account, help me install Chase Bank app on my mobile device with helping assistance me with XXXX and others, so I prefer male in highest position works with me in resolution problem so get me in Chase Bank immediate action without XXXX XXXX that I do not want see this person. Please remove CFPB papers from XXXX XXXX transfer to other male person can take handle CFPB immediate action. Let me know that Please XXXX XXXX, 2015 of Chase Bank male must pick up me bringing to Chase Bank immediate action today in formal requests. Please take making procession immediate action, Please bring a paid rent check bring to CFPB and FDIC must allow seeing what wrong with me on check image from XXXX XXXX XXXX. Response to me making let me know when and what time do Chase Bank arrange, please. Thank you for taking formal time! I ASKED CHASE BANK FROM OUT OF TOWN BRING ME TO OUT OF TOWN ASKED BY XXXX XXXX NOT XXXX XXXX OR LATE DATE. I DO NOT WANT TOO WAITING LONG FOR GETTING A NEW SERVICE SO I DID NOT GET {$750.00} CHECK CHECK FROM CHASE BANK! 

WHY NOT FORWARD TO PRINTED CHECK WITH SAD ICONS SEND TO SPEAKER XXXX XXXX AND XXXX. XXXX XXXX XXXX AND OTHERS. WHY I CAN NOT AFFORD HIRED ATTORNEY! I AM NOT HAPPY WITH XXXX XXXX XXXX AND CHASE BANK NEVER PICKING UP ME BRING ME TO OUT OF TOWN TO THEIR OFFICE!
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2022-05-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America closed my checking and savings account on their own accord, unexpectedly, and won't return give me my money back. I get many unworthy excuses reasons why. One was a check will be processed and send on XX/XX/XXXX UNACCEPTABLE!! 

The available amount balances they quote in my accounts are completely incorrect. 

I am in dire need of " MY MONEY '' not a loan or credit. I have suffered financial loss and mental stress as a result of Bank of America 's criminal acts.
Consumer complaint received 2022-04-13
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)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.