davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-28
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: Experian Information Solutions Inc. (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. The Experian Credit Bureau is reporting inaccurate information on the listed accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX )
Consumer complaint received 2021-12-28
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. (GA)

collection Agency XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$950.00} Amount {$950.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION XX/XX/XXXX Dispute Submitted to Equifax XX/XX/XXXX Dispute Completed and was not removed. XX/XX/XXXX Dispute Submitted to Equifax XX/XX/XXXX Dispute Competed and was not removed. XX/XX/XXXX Police report was faxed in to Equifax inwhich this is what equifax representative told me to do, with copy of social security card and id. XX/XX/XXXX Representative from Equifax stated that the police report was not accurate because it did not contain specific information related to each fraudulent mistake. I was never told by any representative that it should be specific for each mistake. Furthermore Investigator stated that there was nothing that he could do and equifax would need to handle dispute and case would be closed on his end. I have completed every action stated by Equifax that I would need to take and this situation still hasn't been resolved. I have asked for a signed contract with my signature and either has been able to present one. Therefore if there is no contract, there is no debt owed and this is fraudulent.
Consumer complaint received 2021-12-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

The original debtor deleted this from my credit history years ago when first disputed. This debt is TIME BARRED regardless. Portfolio recovery continues to report it and has damaged my credit irreparably for the past 5 to 6 years. Today I received another call even after Ive asked them to stop calling for the past year.
Consumer complaint received 2021-12-28
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. (TX)

I sent a series of letters to the credit reporting agencies multiple times requesting a fair investigation due to inaccurate reporting I am fully aware of how reporting works and found evidence of non-compliance in accordance to the XXXX and XXXX XXXX format procedures to report. The entire profile SCREAMS lawsuit and im trying to resolve this amicability without going that route but they are forcing my hand due to their negligence Please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 
It is very important that you please investigate and resolve as this is injurious to my character and is obstructing my ability to obtain financing.
Consumer complaint received 2019-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I couldn't believe my credit report when I saw it. I'm trying to get a house, and I couldnt believe my eyes when I saw XXXX XXXX XXXX  on my Transunion credit report. I wrote letters to them but they fail to satisfactorily verify the account, I follow up with them and gave enough time to correct this erroneous reporting but continued non compliance CFPB, you need to delete the account, the status is incorrect. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing
Consumer complaint received 2021-12-28
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: CITIBANK, N.A. (CA)

OnXXXX, I checked my email and there were email notifications for purchases made with my XXXX XXXX  and the card on file. I checked the XXXX Citi credit card app and saw that on XX/XX/21 one {$500.00} purchase was made and then canceled. Right after the cancellation, a {$2000.00} purchase was made and both purchases had the digital gift card sent to the same email, XXXX. After noticing these fraudulent charges, I called Citi Bank customer service and reported these charges and I was told that they could not be disputed since they are still pending. I proceeded with canceling the card that was used. I then called XXXX customer service and reported that the charges were not made by me and they noted that in my account and advised to file an FTC report, contact local authorities, and reach out to the back.
Consumer complaint received 2023-07-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CLGF Holdco 1, LLC (TX)

Everyday of the week for the last couple months same numbers calling repeatedly, even if I answer they hang up. I ask them to not contact. day and night phone calls even on XXXX, its giving me XXXX  and stress.
Consumer complaint received 2021-12-28
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: MIDFIRST BANK (VA)

Reached out to Midland over a month ago and was told we'd have the letter in 10 days, then called back and was told it was 10 business days. Then called back and was told that they hadn't received a copy of the credit report showing the inaccurate info. 

The XXXX is picking up that they last reported in Bankruptcy XX/XX/XXXX et the XXXX XXXX was over 7 years ago. The only way that the XXXX can be fixed is if Midland provides the letter that states the account was not included in the XXXX whcih it wasn't it was paid. They are refusing to provide an accurate time line nor the letter confirming it was not discharged in the XXXX. Midland was simply notified previously that we had filed XXXX but not that Midland Mtg was included in either XXXX filing. 

The letter is a simple request that we were told we could have upon initial call, and the agent confirmed that Midland should have never sent an XXXX Update on XX/XX/XXXX. 
They are preventing us from obtaining new financing. There was no reason to recently update XXXX XX/XX/XXXX regarding ourMidland Account and a XXXX this is what the XXXX is pulling up. Again, the first rep told us they never should have updated anything with XXXX XX/XX/XXXX.
Consumer complaint received 2021-12-28
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (TX)

My son purchased a Vanilla Gift card for {$100.00} at XXXX XXXX. When he tried use the card a few hours later it showed a zero balance. We looked up the card and it showed a {$100.00} charge to XXXX XXXX XXXX. My son didnt buy anything there. I called the Vanilla card services to report this. They argued that he did make the charge and then hung up on me. They said I had to wait 7 days and would not remove the charge.
Consumer complaint received 2021-12-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (TX)

In XX/XX/2021 I ran out of money saved up because I had tried to get the insurance company to fix a roof leak for a year and a half finally a roofing company got them to pay but they refused to pay for internal repairs all my money went into repairs the insurance company is owned by my mortgage company so seeing that my XXXX dollar a month XXXX XXXX XXXXXXXX check was not enough to pay a XXXX house payment plus live on I tried to get refinance even tried to get a reverse mortgage told mortgage company that I was in the process of doing so they sent me for closure because I got behind so I started to sell my house to an as is Buyer they put me in the position by lying to me that they were going to buy my house to get further behind Ive asked for forbearance several times they refuse they say they are not required to give me forbearance
Consumer complaint received 2024-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 





UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX U.S.C 1681 section 602 A. States I have the right to 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP (NV)

On the XXXX of XXXX a check from XXXX XXXX XXXX XXXX was sent to key bank. The check was cashed and cleared by the XXXX of XXXX. By the XXXX the money still was not in my account. I contacted key and was told it could take 7-10 days. I waited seven days and still nothing I called again and was told they could not find it I contacted corporate to escalate things. I was told approximately one week later they found it. Still not in my account as of XX/XX/XXXX. No one will cix this please get someone involved the amount is XXXX and I have lost 1 days work at XXXX an hour
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance to to 15 usc 1681a ( 4 ) congressional findings and statements of purpose ( consumer right to privacy ) ( XXXX ) There is a need to ensure that the fairness, impartiality, and a respect for a consumers right to privacy.
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AZ)

In accordance to to 15 usc 1681a ( 4 ) congressional findings and statements of purpose ( consumer right to privacy ) ( XXXX ) There is a need to ensure that the fairness, impartiality, and a respect for a consumers right to privacy.
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AZ)

In accordance to to 15 usc 1681a ( 4 ) congressional findings and statements of purpose ( consumer right to privacy ) ( XXXX ) There is a need to ensure that the fairness, impartiality, and a respect for a consumers right to privacy.
Consumer complaint received 2021-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

To whom it may concern : I have just been advised ( XX/XX/XXXX ) that there has been monthly negative activity on my credit report from CitiCards. This was brought to my attention when reviewing credit for a new home loan. Upon contacting Citicards today ( XX/XX/XXXX ) I was informed that this is stemming from XXXX, XXXX, when the account was closed. Since then they have been billing me monthly late payment charges and interest. During this time they admitted they have not attempted to contact me once. No emails, regular mail or voice mail. Nothing. 

For 27 months they have been charging me and negatively impacting my credit. I do not believe this meets the standards of transparent disclosures under the Credit Card Act of XXXX, and surely does not meet the standards of fair and transparent conduct. When attempting to gain more information on this issue they have informed me that I can not call, email or send certified mail to anyone but instead can only fax ( yes, fax, and it's XXXX! ) a request to dispute. 

So, to summarize ; no communication for 27 months, no attempt to resolve the issue, no disclosures, and now no intent to work with me to resolve the issue. 

Please advise at your earliest convenience on the appropriate course of action. I have requested that Citicards send me a statement and full disclosure on all monthly charges and fees over the entire period. 

Best, XXXX XXXX XXXX
Consumer complaint received 2021-08-24
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (CO)

On XXXX XXXX XXXX  I reached out to Chase Auto Finance 's Military Specialist to apply for SCRA benefits as I am needing an early lease termination due to my husband and I being stationed overseas in XXXX, XXXX per his military orders until XXXX. ( We are leaving for XXXX on XXXX XXXX XXXX  ). I provided Chase Auto Finance with his military orders which included clearance for me to travel to XXXX with him. I received a letter today XX/XX/XXXX postdated for XX/XX/XXXX in which Chase Auto Finance denied SCRA benefits including early lease termination because my husband is not the primary account holder and we do not reside in a community property state. I phoned Chase Auto Finance to discuss issue and they were unable to help. Their only offer was to go through the civilian early lease termination process which is going to result in about {$6000.00} out-of-pocket expense for my husband and I. Despite discussing the issue with several customer service agents and military specialist agents they were unable to help any further, despite Chase touting it's support of military service members and their families. 

I have always made my payments on-time and in full. I am currently not employed due to being stationed overseas with my spouse and this proves a financial hardship for us. As a military family we face a number of challenges, having issues with our auto leasing company due to being stationed outside the US should be the least of our worries.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

My loan went from XXXX to XXXX ( {$57000.00} for undergraduates ) maximum Student loans Total balance : {$59000.00} XXXX XXXX XXXX  Balance {$4000.00} Balance updated XX/XX/2024 XXXX XXXX XXXX Balance {$6100.00} Balance updated XX/XX/2024 XXXX XXXX XXXX/XXXX  Balance {$5100.00} Balance updated XX/XX/2024 XXXX XXXX XXXX  Balance {$7000.00} Balance updated XX/XX/2024 XXXX XXXX XXXX Balance {$1500.00} Balance updated XX/XX/2024 XXXX XXXX XXXX Balance {$5100.00} Balance updated XX/XX/2024 XXXX XXXX XXXX Balance {$7400.00} Balance updated XX/XX/2024 XXXX XXXX XXXX XXXX  {$3800.00} Balance updated XX/XX/202XXXX XXXX XXXX XXXX Balance {$5500.00} Balance updated XX/XX/2024 XXXX XXXX XXXX Balance {$1500.00} Balance updated XX/XX/2024 XXXX XXXX XXXX Balance {$1000.00} Balance updated XX/XX/2024 XXXX XXXX XXXX Balance {$140.00} Balance updated XX/XX/2024 XXXX XXXX XXXX Balance {$830.00} Balance updated XX/XX/2024 XXXX XXXX XXXX Balance {$3900.00} Balance updated XX/XX/202XXXX XXXX XXXX XXXX Balance {$5900.00} Balance updated XX/XX/2024 15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies : ( XXXX ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person this creditor has violated my rights under 15USC 1681 Section 6o2 states I have the rights to privacy.15USC 1681 it also states a consumer report agency can't furnish an account without my written instruction
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I have received a voicemail from XXXX XXXX XXXXXXXX XXXX, and Bank of America for a credit card application that I did not make. I am submitting this form as documentation to assert that I have made no attempts to apply for any new credit cards.
Consumer complaint received 2021-12-28
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: EQUIFAX, INC. (LA)

I reached out to Equifax customer service several times to resolve the fraud issues with inquiries on my credit report. There was an fraud placed around XXXX XXXX and one had been on there before that. Due to all the data breaches the company has had. My information is on the XXXX web and someone had used my information to open an bank account and tried to get credit cards and vehicles in my name. I tried to get the inquiries removed but I was being given a hard time and I faxed over fraud records but nothing happened.
Consumer complaint received 2021-12-28
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (VA)

In my previous complaint to the CFPB [ complaint no. XXXX ] JP Chase replied via letter to me and the CFPB and asked that I be patient and they had hired counsel to process my deed for me and they said the counsel was already working with my county registrar. I gave JP chase more than 90 days before calling them back. They could not find the name of the counsel they hired and I was told the person that wrote me/CFPB no longer works in Chase 's executive department and my case had not been assigned to anyone. I said if they can not figure out who they hired, to me that implies they were not honest in their letter to me and the CFPB. I contacted my County 's Examiners of title and they said no one from Chase and no one at all has been working on my deed with the county. 

When I complained to Chase, they said they had done all they could and it was really the last " trustee owner 's '' problem and the last owner of the trust XXXX XXXX XXXX XXXX XXXX ) was Bank XXXX XXXX XXXX XXXXXXXX. 

Bank XXXX XXXX  XXXX contracted Bank XXXX XXXX to do the loan servicing. When I paid the loan off and completed my portion of the " contract for deed '' I never received my deed. 

I paid my contract in full in XXXX and the deed is still locked in a mortgage back security with XXXX bank as the registered estate owner. I completed the contract and should have received my deed. This was not a normal mortgage as I bought a VA Home from the US Government that was repossessed and the VA financed the property for me as a Contract for deed in XXXX. Then the VA sold a bunch of loans and my contract for deed got wrapped in a mortgage backed security and XXXX bank registered themselves as the estate owner of my house. The county still shows XXXX bank as the estate owner of my house. JP Chase ( formerly Chase XXXX ) is the FDIC approved & merged successor for XXXX Bank. The county said I need need to provenance of the deed from XXXX to Chase to XXXX and then of course also Bank XXXX XXXX, the servicer, as XXXX is the one that sent me my final letter in XXXX congratulating me on completing my loan and fulfilling the contract. 

The Parties in this mess are : XXXX Bank, Chase XXXX, JP Chase, XXXX XXXX XXXX XXXX XXXX, and Bank XXXX XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made by the company and is not a reflection of my payment experience which violates USC Code 1681eb.

This error has caused severe damages to my reputation, defamation of character, and my familt as well as my quality of living. 

I demand the late payment reported on XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 to be removed. 


They are not in compliance with15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law. 

- 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX Never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer.