davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I been trying to log in and see my actual TransUnion credit score, but its the most difficult credit bureau of the other 2 make everything much more complicated then it has to be! I enter forgot info I enter my SSN and last name and I just refresh the screen over and over.. I cant do nothing to understand why my score is dropping when my utilization is going low, but yet the other 2 credit bureau score went up when I brought my credit usage/utilization and debt ratio extremely low.. I honestly think! TransUnion needs to be audit and investigate being completely honest!! Something fishy going on in their end.. I submitted another claim how 44 inquiries appeared in one day out of the blue into my credit history only in TransUnion and unknown accounts.. please investigate and audit TransUnion!!
Consumer complaint received 2021-10-01
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (MD)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with SANTANDER. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. I tried contacting 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (DC)

In XXXX, I purchased a property in DC. Shortly after the purchase, PHH Mortgage began servicing the loan. PHH did not make the property tax payments to the District of Columbia Office of Tax and Revenue for an extended period of time. In XX/XX/XXXX they realized the mistake and made double tax payments to the District of Columbia Office of Tax and Revenue ( DCOTR ). 

In XX/XX/XXXX, PHH sold the servicing of my loan to XXXX. PHH insists that the DCOTR would have refunded the funds to the new servicer XXXX. I followed up with DCOTR and they informed me that the funds were returned to PHH. This makes sense because the payments were made by PHH.
Consumer complaint received 2021-10-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CURO Intermediate Holdings (TX)

I took an online loan out on XX/XX/21 which I was unaware when I applied for loan that you can't use a business acct for payday loans, when I arrived at the location to finish the loan, the store manager saw it was a business debit and stated that the business acct could not be used. He checked it out and realized that the acct had already been funded and he was not able to redact the loan. I told him I would make contact through 1-800 number and set up a new form of payment. When I tried to login to online account, my access was denied. I called customer service and they informed me that do to the circumstances w business account, they blocked my account and I would not be able to access it ever. I would have to make my payments in person at the local store. I explained that it was too far to drive and when they allowed me to have access to my loan, I would update payment information and we could finish doing business. They still haven't allowed this. I had money in the business acct for payroll and mortgage and out of nowhere, Speedy Cash ran my business debit for {$2100.00}. the loan was for {$1000.00}. My mortgage payment is processing and will be returned for insufficient funds and we are already at risk of going into foreclosure. They knew this was a business account and should have expected to be hurting someone financially if they are taking that much $ $ unannounced and unauthorized from a LLC Bank Account that someone might be expecting a paycheck today and wouldn't be getting it if they took the funds that were there for that purpose. They tried this once before and the payment was reversed so they knew they weren't allowed to do this. Yet they still did it anyway! This could cause us irreversible damage if our house note gets returned.
Consumer complaint received 2019-11-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

Re : Citibank Credit card number : XXXX XXXX XXXX XXXX Credit Card Holder : XXXX XXXX Based on the Fair Debt Billing Act ( FCDB ) I disputed unauthorized charges totaling {$9700.00} on my credit card account number referenced above. I requested that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. These credit card charges took place in a period of five days ( XXXX XXXX XXXX, 2018 ). Upon discovering these charges, I immediately reported them to Citibank and my account was closed. These charges were done online and Citibank is not able to provide proof of debt. Instead, they just provide the billing statement as proof of debt. I've written to Citibank twice, regarding my dispute of these charges. The written disputes were sent on XX/XX/2018 and XX/XX/2018 to : Citibank Citibank Customer Service Attention : Fraud Department/disputed chargesXXXX XXXXXXXX XXXX XXXX, SD XXXX. To this date, my account has been sent to collections and my credit reporting has been impacted. 
I am in desperate need of your help. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (SC)

They decrease my limit because they say I didnt authorize payment so I had bank send multiple letters and they even was on phone with bank they said they pull my credit but my credit XXXX plus I have a freeze than they went back and call back and said could they pull I have been getting the run around multiple times and they have no just I am a buisness customer which this has cost my buisness tremendously.
Consumer complaint received 2021-10-01
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. (NC)

i am a XXXX year old XXXX XXXX. You have multiple accounts registered under my name with balances due. This is incorrect and needs to be removed as soon as you receive this communication from me!
Consumer complaint received 2022-05-15
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: EQUIFAX, INC. (MS)

My name is XXXX XXXX and I am a consumer/natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.
Consumer complaint received 2021-10-01
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: Great American Finance Co (NC)

On XXXX, I received a notification from XXXX XXXX  that I had some hard inquiries on my XXXX and XXXX credit reports. I check both reports and discovered that I had 3 on XXXX ( 2 on XX/XX/XXXX and 1 on XX/XX/XXXX ) and 1 on XXXX dated for the XXXX of XXXX. I had not applied or requested any inquiries on my credit. I contacted the finanical institutions that I found numbers for and notified them. I was directed to file a claim with the FTC.
Consumer complaint received 2021-10-01
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: SYNCHRONY FINANCIAL (NC)

On XXXX, I received a notification from XXXX XXXX that I had some hard inquiries on my XXXX and XXXX credit reports. I check both reports and discovered that I had 3 on XXXX ( 2 on XX/XX/XXXX and 1 on XX/XX/XXXX ) and 1 on XXXX dated for the XXXX of XXXX. I had not applied or requested any inquiries on my credit. I contacted the finanical institutions that I found numbers for and notified them. I was directed to file a claim with the FTC.
Consumer complaint received 2021-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (LA)

Regarding the other two cards were eventually closed by Chase Bank- only after submitting a complaint here. That XXXX card is still opened/never received/never requested. Close ALL accounts Chase. They don't seem to understand, I have no interest in doing any business with them! Please CLOSE this frivolous account!
Consumer complaint received 2021-10-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (CA)

XXXX XXXX XXXX promoted Comenity Capital operating under the name ( or doing business as ) XXXX XXXX and their 6-month interest free credit card never telling me that after 6 months, Comenity Capital would charge back that 6 months of free interest. 

Once I realized this, I paid off the outstanding balance immediately but Comenity continues to hound me for this 6-month " free '' interest. 

They have contacted me repeatedly and have also contacted several of my relatives repeatedly, as well as current and former employers. This borders on harassment in my opinion. I called Comenity on XX/XX/2021 and told them to stop calling my relatives and current and former employers. I also asked them for the state in which they are incorporated, and they could not tell me. I also asked for their Agent for Service of Process, and they would not give me that information either.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Contemporary Information Corp (GA)

XXXX XXXX at XXXX XXXX XXXX XXXX Accounts are past XXXX XXXX XXXX Please remove judgement and account off credit /screening and other tenant screening As i access my credit profile I see XXXX XXXX XXXX on my account ..XXXX XXXX XXXX was accessed in a chapter XXXX XXXX case XXXX.i was not provided any validation information from no creditor upon this being in my credit report tenant screening this violates my information under 12CFR-1006-34 ( b ) ( 5 ) This has violated my consumer rights I had no chance of disputing and not aware of this on my credit report
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AUSSRQ Holdings, LLC (NC)

We requested validation of the debt. I am unaware of this debt and I wasn't given the opportunity to dispute this information. If in fact that you believe you gave me the proper notification, please send me the certified receipt with my verified name and signature on it stating that I properly received this debt.
Consumer complaint received 2024-04-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Messerli & Kramer P.A. (MN)

Contacted the credit agency XXXX XXXX XXXX via mail asking for the original Contract that was physically signed that I was in an agreement to pay the debt of {$840.00} to them. I received a letter back from the attorney representing XXXX XXXX XXXX ( XXXX XXXX ) Of credit card payments that are not mine. They never sent out the original contract with my handwritten signature agreeing to pay such debt to the creditor XXXX XXXX XXXX.
Consumer complaint received 2021-10-01
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. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-11-23
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. (PA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX, GA XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX VA XXXX, XXXX XXXXXXXX XXXX XXXX XXXX VA XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX, TX XXXX, XXXX XXXX Balance : {$430.00}, XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX {$11000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$320.00}, XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$2800.00}, XXXX XXXXXXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-10-01
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: ENCORE CAPITAL GROUP INC. (NJ)

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 the companies and 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 they have 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 XXXX MIDLAND CRED XXXX MIDLAND CRED  XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC (NY)

While checking my XXXX XXXX i came across a debt that did not belong to me. I contacted to company to dispute the charges because its greatly impacting my XXXX XXXX. Acima Digital FKA SIMP XXXX XXXX for the amount of XXXX and XXXX XXXX XXXX # XXXX AMOUNT XXXX
Consumer complaint received 2021-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation (GA)

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. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

WORLD FIN XXXX Balance : {$2100.00}
Consumer complaint received 2021-10-01
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: Absolute Resolutions Corp. (NJ)

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 the companies and 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 they have 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 : ABSRES INV XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2021-10-01
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: JPMORGAN CHASE & CO. (NJ)

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 the companies and 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 they have 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 XXXX XXXXXXXX JPMCB CARD XXXX
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Financial Assistance Inc (AL)

AS A RESULT FROM XXXX XXXX FROM XXXX XXXX. XXXX XXXX XXXXXXXX IS REPORTING 3 ACCOUNTS ACCROSS ALL THEREE CREDIT BUREAS. I SENT THEM THE FRAUD AFFIDAVIT. ON THE LATEST UPDATE THEY REPORTED ON THESE ACCOUNTS ACCROSS ALL THREE CREDIT REPORTS THAT MY LAST PAYMENT WAS ON XX/XX/2024. I NEVER MADE A PAYMENT ON THESE ACCOUNTS NOT MINES. WHICH THEY ARE DOING ON PURPOSE TO LOWER MY CREDIT SCORES. I HAVE NEVER PAID ON THESE ACCOUNTS.
Consumer complaint received 2021-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NY)

My complaint is with the CFPD. I wrote to you in a lengthily letter about PNC Bank. I had to use my retirement money to pay off the loan to stop the interest accumulation. They had no clue what they were doing and could not give me a payoff with an explanation for 10 months. The supervisor I spoke to even admitted in his 35 years in banking he never dealt with anything like this. They were supposed to be the experts and I was supposed to be the consumer that was able to rely on there advice. Their advice was dont worry about the interest it goes to the back of the loan and if you pay off the loan you wont pay that interest. This turned out to be untrue In addition to using my retirement money it cost me {$15000.00} in interest. On the last day of the 60 days they had to respond they sent you a letter saying they checked everything and it was OK. You just excepted their response and close the claim. I thought you were a consumer protection agency not a bank protection agency. I am now writing to ask you to contact PNC Bank and request they refund my interest.
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Equifax has 5 hard inquiries that I have asked for FAIR CREDIT REPORTING ACT SECTION showing why did these hard inquiries allowed when I had CREDIT FREEZE during the time. Then I wrote about section 605,609,611and 625 that shows exactly how the inquiries came through without signature, spelling of name, who they talked to and the list goes on. They need to take all 5 hard inquiries off.

1. XXXX  XXXX XX/XX/XXXX. 
2.XXXX  XXXX XXXX  XX/XX/XXXX. 
3.XXXX  on XX/XX/XXXX 4. XXXX XXXX/ XXXX XX/XX/XXXX XXXX. XXXX/ XXXX  XX/XX/XXXX All these had credit freeze and XXXX customer service lies. They don't understand English the way we do. They are taught to break the law. They also just hang phone up on you.
Consumer complaint received 2021-10-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (DE)

Transworld Systems Inc ( TSI ) is the collection agency handling some medical debts from XXXX XXXX XXXX. In an attempt to validate said debts they sent me a list of the amount owed, the original creditor and account numbers. They also sent my medical records, detailing the procedures I received, which I know is a direct violation of HIPPA regulations. Someone even hand wrote their reference number on the top of each bill. I never signed a HIPPA form authorizing TSI access to my personal medical information.