davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Consumer complaint received 2018-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I tried to get my get the two address off my report which do not belong to me which are XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX
Consumer complaint received 2021-09-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (IN)

On XX/XX/XXXX the XXXX  XXXX requested the title from Toyota Motor Credit so I could title and register my car after moving from XXXX. I have called Toyota several times to check on the status of the title being sent. I have gotten different answers each time I call. Some include that it was mailed on XX/XX/XXXX or a different date, that it would be mailed in 8 to 11 weeks from the date it was requested from the title department in XXXX  ( XX/XX/XXXX ), most recently the only response is that " it is being processed ''. Indiana only allows two 30-day temporary registrations. After XX/XX/XXXX, I will need to drive with an expired registration due to Toyota REFUSING to forward the title to XXXX.
Consumer complaint received 2019-02-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: REGIONS FINANCIAL CORPORATION (FL)

I XXXX XXXX have hired a local attorney to help me restructure my personal and corporate debts without filing for bankruptcy. I am attaching a copy of the first cease and desist letter mailed out XX/XX/2018. A second cease and desist letter was mailed out two weeks later. However, my phone is still being flooded with text messages and calls from several creditors. Therefore, I want to end these calls and have the proper procedures followed in the process followed where my attorney will fulfill the final negotiations process. Some of these creditors are either assigning the collection process through a third party, and the cease and desist still follows to the third party in all exceptions based upon the Fair Debt Collection Practices Act. Accordingly, I am filing these complaints with the Consumer Financial Protection Bureau as a means of stopping all collection practices directly to me immediately. My only objective with these complaints is to cease all collection calls and text messages to me at my cell phone of place of business.
Consumer complaint received 2021-09-28
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. (AZ)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
10. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 



FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. US SM BUS ADMIN XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One is reporting the same account multiple times thus causing my XXXX  and XXXX  score to stay in negative. The accounts are old and closed. They are being reported.muliple times.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

XXXX XXXX is reporting the same account multiple times thus causing my XXXX  and fico score to stay in negative. The accounts are old and closed. They are being reported.muliple times.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I am beyond frustrated with the lack of response, action, and general understanding from the credit bureaus and the Consumer Financial Protection Bureau of my situation. I have submitted multiple disputes to the credit bureaus with no assistance. I have now submitted two claims to the Consumer Financial Protection Bureau to rectify the lack of response from the credit bureaus. Instead of doing your jobs and protecting me as the consumer you reject my claims as if Im not a real person or need assistance to draft a simple complaint. I am a XXXX  and know my rights. Something needs to be done now and I expect an actual response not a closing of my complaints because yalls lack the ability to do actual work.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — 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 60 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 60 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 2021-09-28
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Goal Structured Solutions, LLC (ME)

In 2019, I had signed up for an online XXXX XXXX XXXX and was going to pay for said coure utilizing a loan from a company called Launch Servicing ; however, prior to even starting this XXXX XXXX XXXX, I ended up CANCELING my enrollment due to the fact that the school repeatedly failed to send me the proper course materials that would be needed to successfully work on and complete this course. I then conducted extended research on this " school '' and found through many other student reviews that this school was a scam and MANY people have had extensive problems with this school. Honestly, it has been so long that I do not even remember the name of the school, but what I DO know for a FACT is that I did NOT take this course, did not even begin it, and immediately CANCELED my enrollment and CANCELED my financing through Launch Servicing. 

Fast forward to just a few months ago, I was examing my consumer credit reports and disocvered a collection account from Launch Servicing, claiming that I owe {$3600.00}. This is ENTIRELY INCORRECT. I EXPLICITLY CANCELED MY ENROLLMENT AND CANCELED MY LOAN PRIOR TO EVEN BEGINNING THIS COURSE! I immediately contacted Launch Servicing via email and did not receive any sort of response. Finally, after an ENTIRE MONTH of emailing these people, I received a response from Launch Servicing, claiming that I DID NOT cancel my enrollment in this course. This is ABSOLUTELY FALSE. I never even STARTED this course and CONTACTED BOTH LAUNCH AND THE SCHOOL TO CANCEL BOTH MY ENROLLMENT AND MY FINANCING. Therefore, Launch Servicing is SLANDERING and ASSAULTING my good credit with this ENTIRELY FALSE information, claiming that I owe them nearly {$4000.00} for a course that I NEVER EVEN TOOK. To make matters EVEN WORSE, since contacting these people, I am now receiving MULTIPLE HARASSING PHONE CALLS PER DAY as well as letters via mail from a collection agency by the name of XXXX XXXX out of XXXX, DE. So, not only is my credit being slandered by Launch Servicing, but their collection agency is now constantly harassing me and blowing up my phone multiple times per day. I will NOT stand for this behavior and I will NOT allow my otherwise SPOTLESS credit reports to be tarnished by LIES.

For the sake of context, I have conducted further research on Launch Servicing and found that they are currently being sued by another indivudal for their unscurpulous debt collection practices, which may be found via this link : XXXX XXXX XXXXXXXX
Consumer complaint received 2021-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/2021, more than 5 claim reversals were filed against my knowledge and authority in my Chase checking account. This led to inaccurate balance. A month later, Chase started deducting automatically from my monthly direct deposits to reverse the unauthorized claims made worth $ XXXX which leads me solely responsible with the fraud and short on my rent housing money. XXXX at the local branch in XXXX XXXX XXXX way shopping mall insists on closing my account against me permission which would lead to limited use of my money and hindering my withdrawals of my monthly direct deposits. XXXX says and reassures me on the phone they will no longer tamper and touch my direct deposits. But I just checked my account and its negative balance is continuing to rise in amount due to the claim reversal fraud activity. I'm very angry at the inside fraud and incompetencies of the JP MORGAN CHASE BANKERS and their inability to bottom line resolve the problem in a timely manner. Please assist the community like myself in this big money laundering problem!!!
Consumer complaint received 2021-09-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (PA)

On XX/XX/XXXX starting at XXXXXXXX XXXX  Midland Credit Collections attempted to reach me by calling me 8 times in a row, as per my XXXX call log. The calls came from the same number, XXXX.
Consumer complaint received 2019-02-02
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)

Someone has been using my identity to apply for jobs, government benefits, open credit cards ... .ect ... .The following accounts are not mine or opened by me : 1 ) XXXX XXXX XXXX  Acct XXXX XXXX 2 ) XXXX/XXXX  ( XXXX  ) Acct # XXXX 3 ) XXXX XXXX XXXX Acct XXXX XXXX
Consumer complaint received 2021-09-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc. (IN)

Better.com assured us during our refinance that they would be able to pay the homeowners insurance they collected after closing as the renewal was due more than 60 days out. 
Our renewal with XXXX insurance is not until XX/XX/2021. 
Better closed on our loan and three weeks later as of todays date the homeowners is not paid.

Also, they collected six months of insurance against our desire, we tried to argue with them but they would not remove the additional collection. This is against guideline. You collect 60 to 90 days of insurance to be paid after closing on a customer that pays month to month and is not escrow/impounded.

Now Better.com is saying they can not pay the homeowners insurance until the renewal is out.

Do you think holding our money for three months is legitimate or fair?

Do you think giving two stories, we can pay it after closing as the renewal is not due for 60 days then saying we can not pay it until the renewal is out, is fair?

They did not respond to numerous emails and requests for weeks and now the renewal is no longer sixty days out. 
This is deliberate retaliation. 
Please see attached XXXX, Better keeps insisting they collected three months but they collected SIX.

See where it says " renewal '' and there is a second collection.

See the initial CD where they had three months.

This company needs to be held accountable.

Our loan amount is {$700.00} higher due to them collecting six months.

They keep insisting they collected three months.

So they need to collect three months for the policy and three more for the renewal? 
This is unheard of ~ and I have on email they need to collect 60 days only, its a concern for all homeowners and I am from this industry so luckily know better. No pun intended.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have been trying to contact Transunion since XX/XX/2021 about a few inaccurate accounts reflecting on my report. They have been ignoring my request to verify and delete the inaccurate information they are reporting causes me great distress. I have not received any correspondence about my concerns.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 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 60 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 2019-02-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (FL)

I XXXX XXXX have hired a local attorney to help me restructure my personal and corporate debts without filing for bankruptcy. I am attaching a copy of the first cease and desist letter mailed out XX/XX/2018. A second cease and desist letter was mailed out two weeks later. However, my phone is still being flooded with text messages and calls from several creditors. Therefore, I want to end these calls and have the proper procedures followed in the process followed where my attorney will fulfill the final negotiations process. Some of these creditors are either assigning the collection process through a third party, and the cease and desist still follows to the third party in all exceptions based upon the Fair Debt Collection Practices Act. Accordingly, I am filing these complaints with the Consumer Financial Protection Bureau as a means of stopping all collection practices directly to me immediately. My only objective with these complaints is to cease all collection calls and text messages to me at my cell phone of place of business.
Consumer complaint received 2023-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NV)

Wells Fargo was the one who let me loan for my mortgage, it was automatic payment on my bank account they took my money but it didnt reflect immediately to my principal account the amount I paid in every month I paid my mortgage. It was always delay and it seemed my principal amount didnt have deducted as they were always late.
Consumer complaint received 2021-09-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc. (OH)

On XX/XX/2021 a validation of debt letter was sent to First Federal Credit Control XXXX. I asked to send any and all information they had that would prove i owed a debt with them. Which would show the date each debt was established, a breakdown of all fees and some type of agreement between us saying that i owe each debt and i agreed to pay. They sent out a few pages with a company name of hospital but no real validation. They failed to show any documentation with a breakdown of the alleged debt that is owed. What i mean by breakdown can be example : Physical on inserted date amount owed {$50.00}. I do not Validate their " proof '' of validation and since i am the consumer i am the only one who can say if the debt is valid I'm saying this debt is NOT valid. In the amount of {$300.00}, {$110.00}, {$210.00}, {$99.00}, {$77.00}, {$100.00}, {$100.00}, {$160.00}, {$160.00}, {$110.00}, {$200.00}, {$140.00}, {$69.00}, {$96.00}, {$72.00}, and {$210.00}. I am unable to upload documentation but upon request i can email or fax my letter of validation and their response of proof.
Consumer complaint received 2021-09-28
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (MD)

On XX/XX/2021, I received a debit card ( XXXX  ) from Chime in the mail. It has my name written on the back of the card and was sent to my name and address, but I did not open account and have never opened an account with Chime. Accordingly, on the same day, I called the customer service number listed on the card ( after verifying the phone number online ). I was directed twice by customer service ( once via automated service and another time by a live agent ) to email the company to 1 ) let them know about the incident ; 2 ) ask that the account be closed ( or at least locked until the matter is resolved ) ; and 3 ) a fraud investigation be opened. I did so, and received a response both times to email Chime from the email address associated with the account or send a copy of my driver 's license AND SSN ( last 4 digits ) via email for further resolution. I do not have an email address associated with the account because I did not open it, and I do not believe it is safe to send more personal information ( DL and SSN ) when I am calling about fraud/identity theft in the first place. After a third call, I was told I would be contacted about the matter within 24 hours for further resolution. I have yet to hear from them and have no confidence that the account will be closed and a fraud investigation opened.
Consumer complaint received 2021-09-28
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. (CA)

The first date of nonpayment on this account was in XX/XX/XXXX. As of writing this it is XX/XX/XXXX. The original creditor was XXXX. The account was then sold to XXXX XXXX  who was the second creditor. XXXX XXXX then sold the account to XXXX XXXX XXXX who is now the third creditor. The account is a collection and is now in the hands of a third creditor who is strictly a debt collector. The account is reported as " Open '' which is inaccurate and should be updated to " closed '' or removed immediately. There is no credit being extended by XXXX XXXXXXXX XXXX nor was any extended by XXXX XXXX There is no active loan and no payments are being made and there has been no settlement made. At this time the account is inactive and should be listed as " closed '' yet there is a collection for {$1200.00} on my credit report listed as an " open '' account. 

I contacted XXXX experian, and XXXX regarding this matter and asked them to change the account to " closed ''. They have stated that they are in FCRA compliance. I do not believe this to be compliant. The account is certainly inactive and closed. 

Is this FCRA compliant? If so why is the account not closed and when is an account in collections considered closed? If this is not FCRA compliant can you please compel XXXX experian, and XXXX to remove this account or update it to " closed ''. 

Additionally the original creditor is listed as " XXXX XXXX  ''. They are not the original creditor. The original creditor is " XXXX ''. 

Thank you