davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX the balance updated is XXXX XXXX Transunion the balance updated is XXXX XXXX. XXXX the balance updated is XXXX XXXX. These are inaccuracies. 

XXXX, XXXX and Transunion do not contain last payment date. These are inaccuracies. 

XXXX has account type as debt buyer. Transunion has account type as an open account. XXXX has account type as an open account. These are inaccuracies. 

XXXX has status as collection account. Transunion does not have anything listed for status. XXXX does not have anything listed for status. These are inaccuracies.
Consumer complaint received 2021-12-14
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. (DE)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX-Balance {$0.00}
Consumer complaint received 2016-02-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

Homeowner had Foreclosure mediation with Select Portfolio Servicing Inc. & their attorney on XXXX/XXXX/2014. No retention option has been reached & Select Portfolio Servicing offered Cash for Key to move out for {$3500.00}. Select Portfolio Servicing prepared document for Homeowner to sign & Also mediator confirmed during our mediation that they are going to give Homeowner {$3500.00} when they takes the property. Homeowner 's property has been taken away by Select Portfolio and they never sent payment to Homeowner. We called to the Select multiple times to send us check but they would not send check to Homeowner who 's house has been taken away by Select Portfolio XX/XX/XXXX.
Consumer complaint received 2015-05-19
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (TX)

This number calls my phone repeatedly every day seven days a week. I looked it up online and it says it is a collection agency for Macy 's but that they may be a scam. i have a macy 's account but it is not delinquent and does n't normally even have a balance. The number that keeps calling is XXXX
Consumer complaint received 2016-01-27
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY (NY)

I took out a $ XXXX personal loan with TD Bank which was funded on XXXX/XXXX/2014. Since that time I 've made extra payments in excess of my minimum amount due each month which I wanted to be applied to Principal only and was told there was no systemic way to do that and I had to call each time a payment was made for them to apply it to principal. I 've done that several time throughout the life of this loan but there is no way for me to verify that it has been done correctly or if at all since they do not provide a monthly statement with the activity nor does their website have this information. There is absolutely NO transparency regarding my loan at all. I feel that I am overpaying and being unjustly penalized because they can not process my payments according to my direction.
Consumer complaint received 2023-10-06
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: Bread Financial Holdings, Inc. (NV)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2019-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  OH XXXX SS XXXX DOB XXXX I need the following addresses removed deleted from my report. I have been compromised on my ID and personal information. I have to file a police report and FTC report. Please remove delete : XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX
Consumer complaint received 2017-12-28
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. (CA)

Dear Equifax/ XXXX XXXX XXXX XXXX ( CEO ) XXXX XXXX XXXX XXXX XXXX GA XXXX I am writing this complaint because you did not promptly deleted the info that I had disputed due to identity theft. 

You failed to comply with law that you are required under Fair Credit Reporting Act ( FCRA ). 


I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of alleged identity theft. 

XXXX- XXXX XXXX XXXX # XXXX Reason : Identity Theft This account has been previously been disputed and you did not deleted required under FCRA XXXX 


THIS LETTER serves as the formal notice of my intent to file a lawsuit against you in court, due to your failure of correcting/deleting the account above.

Your failure to correct or fix this issue will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting Act ( hereinafter referred to as FCRA ), Civil liability for willful noncompliance. Your company may be liable for : - Any actual damages I sustain due to your failure to delete this item ; - Cost of court action in order to have the item deleted ; - Punitive damages as the court may allow ; XXXX XXXX XXXX XXXX, XXXX provides a cause of action for individuals against furnishers of information. I would prefer not to use the courts to resolve this matter.
Consumer complaint received 2023-10-16
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: EQUIFAX, INC. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-14
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 found the following fraudulent accounts on my credit profiles : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I placed a credit freeze on XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX 
I filed an identity theft report with the FTC and sent it to the bureaus along with an explanation. 

The bureaus still have these fraudulent accounts on my credit profiles.
Consumer complaint received 2019-07-31
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 am a victim of Identity theft. And incorrect information is showing on my credit report. The fraudulent account from XXXX XXXX XXXX is still on my credit file in the amount of {$850.00}.
Consumer complaint received 2019-11-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (MO)

On XX/XX/XXXX and XXXX, 2019,, Cashcentral.com created an account using my personal information to disperse a loan of XXXX XXXX and XXXX $ to a fraudulent individual. Using my information, a fake email address and bank account a loan was made using my info. 
Per the collection agency the funds were transferred to a XXXX  XXXX XXXX account under my name. I do not or ever had had a XXXX  XXXX XXXX account other than credit cards. 

I check with the 3 credit bureaus and they have no record of Cashcentral.com even doing a credit inquiry. If they had they would have found that I have an alert on my identity for all of them due to prior identity theft issues. Further, cashcentral.com made no attempts to contact me or make me aware that and account was created nor any notices of payment due. 
Instead cashcentral.com turned it all over to a debt collection company ( XXXX ) who ultimately contacted me in XXXX demanding payment.
Consumer complaint received 2021-12-14
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. (DE)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX - Balance - {$7900.00} DEPT OF EDUCATION/XXXXXXXX-Balance- Date opened XX/XX/XXXX DEPT OF EDUCATIONXXXXBalance - Date opened XX/XX/XXXX DEPT OF EDXXXXBalance - Date opened XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXXXXXX Balance - Date opened XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2019-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (GA)

OMG discovercard just copy paste the same exact false statements again & again after openly ignored my over 15 questions from case XXXX Lie 1, Not true that you couldnt contact me before XX/XX/XXXX. 

Lie 2, Fraud happened in XXXX reported around beginning of XXXX you only allowed less than 30 days investigation before your unilaterally paying & closing the ID theft case in XXXX, however i still managed to return your call from XXXX, and XXXX was the only rep who has tried calling me before XXXX. 

Our convo was to confirm that XXXX XXXX submitted ACTUALLY my LOST & STOLEN EXPIRED DRIVER LICENSE. Pls be mindful that i have faxed you my current valid driver license in XXXX later just to show you its a different ID., so you cant fraudulently use my faxed copy for the XXXX XXXX id theft submission although you have been hiding from me. 

Lie 3, You have never showed anything provided by XXXX XXXX, when you say XXXX gave you a valid copy of my id which is an obvious fraud contradicting from what i have confirmed with your agent XXXX before XX/XX/XXXX. 

Lie 4, when i have informed you by email inbox messages & by phone that i need over two months time abroad to handle parents death and you agreed to give me ample enough time for the investigation, yet you close the fraud investigation WITHIN LESS THAN 30 days after my phone convo with XXXX, NOT XXXX the actual investigator on your file. 

Lie 5, your so called invalid report was 1 of the two permanent reports, i gave you once the temporary # while abroad but later updated you with permanent report #. You cant be irreasonable and ignored all the valid legal reports and facts given. 

All these 11 months discovercard has put my credit through indescribable miseries took a lot of tolls on top of my households financial hardship. 

Per the two lost & stolen and ID theft police reports outlined, I demand government institutes like CFPB to do a legal audit on this discovercard fraud handling, to clear out all the lies above and much more discrepancies that have been mentioned in my previous case. 

PLS CONTINUE TO USE PREVIOUS ATTACHMENTS, COULD PROVIDE MORE UPON REQUESTED.
Consumer complaint received 2019-06-14
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. (AZ)

DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY.. DELETE XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2019-11-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (FL)

On XX/XX/XXXX, I received an email asking if I'd like to apply for a personal loan. Once I applied, I was matched with Amplify Funding as a lender. I completed the application, received a message saying I was approved for {$1200.00} and to call the toll free number for verification. Once I was on the phone with a rep from Amplify Funding, I was asked to log in to the website and complete the application process. I was asked while completing the initial application if I could afford a payment over {$250.00} per month. I answered yes. But it wasn't until I was approved and reviewed the loan document online that I realized I was expected to make 12 payments of {$410.00} per month with an interest rate of XXXX percent. My {$1200.00} loan was going to end up costing me {$3700.00} in interest. 

After investigating Florida financial law, I realized this company is not licensed to do business in the state and the XXXX percent interest rate also violates Florida law. 

I wrote a letter to Amplify Funding which I attached to an email and sent on XX/XX/XXXX stating that the loan violates Florida law including the reasons why, and that I am only obligated to repay the principal. I also stated how I would repay the loan and asked Amplify Funding to contact me to set up the payment plan. They responded to my email ignoring my request and stating although the ACH had been cancelled, I was still responsible for paying the entire loan amount of {$4900.00}. 

I sent another email on XX/XX/XXXX again stating the same information as above and asked them to contact me to set up a payment plan. I also requested a letter from them confirming the loan will be considered paid in full once I pay back the {$1200.00} principal. I have not heard back from them.
Consumer complaint received 2015-11-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MA)

Carrington mortgage company is in direct violation of the u s treasury dept making home affordable program guidelines. 
Specifically chapter 2 section 6.3.1 as per mha guidelines version 4.5 dated XXXX/XXXX/2015. 
Carrington mortgage is in direct violation of mha guidelines chapter 2 sections 6.3.2.3 and 6.3.2.4. 
Carrington mortgage approved me for an in house modification and neglected to exhaust the XXXX approach financially harming me at least {$72000.00}. 
Carrington mortgage has neglected to provide me with the npv test results conducted on or about XXXX/XXXX/2015. 
By approving me for an in-house modification, and not following the XXXX guidelines, is blatantly unfair and deceptive.
Consumer complaint received 2021-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (IL)

Discover bank approved me for a secured credit card with an opening deposit of {$2000.00}. After the opening deposit was paid I was sent an email from discover bank stating they cant open my account until I authorize them to review my tax statements. I did not feel comfortable with this company reviewing my tax statements so I called on XX/XX/XXXX and requested my security deposit be returned. The gentleman stated that the account would be closed as I had not received a card and my security deposit would be returning in the next 10 business days. 4 other times during the month of XXXX I contacted Discover bank inquiring about my security deposit and each representative stated that it had been mailed out. On XX/XX/2021 I spoke with a supervisor XXXX out of Ohio that advised me that even though the account was closed and the card had never been activated the security deposit was never processed to be returned. She then proceeded to say it wasnt her fault and all she could tell me is it will take 3 days for her supervisor to review it then another 10 days before I would get a check mailed to me. I advised her that I have given discover bank over 30 days and that I needed an answer as to when my money would be return. XXXX then told me there is nothing else she can tell me and after I requested to be transferred to someone who can help me she hung up the line.
Consumer complaint received 2021-12-14
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. (SC)

Want to file complaint against Experian, XXXX and XXXX. These companies are not complying with their own policies in a timely manner. All 3 companies were contacted on XX/XX/XXXX in regards to the following discrepancies. Also XXXX was contacted on XX/XX/XXXX. In addition to complying in timely manner, Violations of the CARES Act occurred during XXXX. On XXXX XXXX Letters were sent to correct personal information and inaccurate data still exists Late payments from XXXX XXXX - Acct : # XXXXparticularly during XXXX Dispute of Violations of the CARES Act Late payments from XXXX XXXX XXXX XXXX : XXXX XXXX during XXXX : Dispute of Violations of the CARES Act XXXX XXXX Acct # XXXX in the amount of {$52.00} No Name Collection Account Acct : # XXXX listed duplicate Inquiries from XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX XXXX XXXX as a Charge off as bad debt Late payments XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-14
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: Experian Information Solutions Inc. (GA)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-12-14
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: EQUIFAX, INC. (GA)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-12-14
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: Experian Information Solutions Inc. (FL)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2021-12-14
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: EQUIFAX, INC. (FL)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.