davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-06
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)

Since XXXX XXXX I have been contacting Equifax to update my personal information. Today I pulled my report and see that all of the incorrect information that was removed from my credit report was put back on my report. 

In XXXX XXXX fraudulent accounts were opened under my credit information, XXXX of the accounts was opened with XXXX XXXX XXXX with a reporting address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX XXXX XXXX determined this account to be fraudulent and removed the information from my report. However Equifax keeps the address on file regardless of the number of letters, police reports, and phone calls. 

Inquiries, XXXX in total, that were removed by Equifax as of today XXXX XXXX, XXXX have been added back to my credit profile. Collection accounts that were removed by the company were also added back to the report.
Consumer complaint received 2021-12-27
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. ()

I have a bankruptcy listed on my report. I have a letter from the courthouse, which they listed they do not share information with anyone, as well as a letter from XXXX XXXX stating they removed my bankruptcy from their report. I submitted the letters to XXXX and Experian in which they both stated they verified the information through XXXX XXXX, which is incorrect, because XXXX stated they removed it from there records. However, XXXX and Experian refuse to remove it. Please assist.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX reported to Trans Union that I have a balance of over {$12000.00} when i have a {$0.00} balance according to my records AND their records. I have to file a written dispute that may take XXXX  days or more and in the meantime, my credit score is down the XXXX 's when i should be in the XXXX 's. This will financially impact me as it pertains to borrowing money until this is resolved. When I called them, their was no way to expedite the process even though admittedly it was their mistake.
Consumer complaint received 2021-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (GA)

Specialized Loan Servicing, LLC ( XXXX ) started servicing my mortgage loan on XX/XX/2021. I made a mortgage payment ( due on XX/XX/2021 ) to my previous loan provider ( XXXX XXXX aka The XXXX XXXX ) on XX/XX/2021. However, this payment has not been applied to my account with SLS. I provided the mortgage statement that shows the proof of payment to XXXX. XXXX has not updated my account or provided any information on when or if errors will be corrected.
Consumer complaint received 2021-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc. (NJ)

During my XXXX  buying process, XXXX XXXX XXXX XXXX Colorado ( lender ) informed me that I have XXXX Judgements/Liens. I did not recall having any sort of liens or judgments. I asked for the XXXX case numbers and also the name of the vendor that reported them. I was informed, XXXX XXXX XXXX XXXX Colorado, that " Data Verify '' furnished the report to them via a system called XXXX XXXX platform ''. Upon research and court records I have found the information found to be damaging and inaccurate. 

Please note that none of these Judgements appear on my credit report. Also, please note that I am supposed to close on my home XX/XX/XXXX and the information that you are reporting is inaccurate and is causing me undue XXXX  and XXXX XXXX However, I understand that this is an error, so I don't blame XXXX XXXXXXXX 's XXXX XXXX platform '' completely as we all make mistakes and sometimes software has errors. I would like to resolve the matter informally with no harm or foul to either party. 

As a homeless and totally XXXX XXXXt, it is very hard for me to find a home and I am not sure if me and my XXXX will have this opportunity again. So hopefully we can resolve the matter informally. 

Please see the Inaccurate reporting accounts that are causing undue financial and mental duress : 1. XXXX XXXX XXXX BANK XXXX XXXX Case # : XXXX Dispute : The XXXX XXXX platform '' reported this account as a XXXX. This is not true ; as this case was dismissed on XX/XX/XXXX ( Please See XXXX ordered dismissal attached ). This account actually belonged to my recently deceased XXXXr XXXX XXXX XXXX ; I suppose this is why the error happened as well. Please remove this account from your records as it is causing me undue XXXX XXXXs and preventing XXXX XXXX XXXX XXXX from furnishing my home loan. 

XXXX. Creditor : University XXXX Tennessee XXXX # : XXXX Dispute : The XXXX XXXX platform '' reported this account as a XXXX. This was a XXXX XXXX that was satisfied due to my military related XXXX. Hence the XXXX XXXX XXXX  has recorded this debt as satisfied. ( Please see attached letter from the XXXX XXXX XXXX ) Please remove this account from your records as it is causing me undue XXXX XXXX and preventing XXXX XXXX XXXX XXXXo from furnishing my home loan. Please see the points of contact for this account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Building XXXX, TN XXXX XXXX XXXX Here is the legal Point of contact information : XXXX XXXX XXXX ext XXXX Email : XXXX Please see my attached XXXX XXXX Identification and Supporting Documents Very Respectfully, XXXX XXXX XXXX
Consumer complaint received 2021-12-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TD BANK US HOLDING COMPANY (NJ)

To Whom It May Concern, I opened up a simple savings account at TD Bsnk on XX/XX/2021 on XXXX XXXX and XXXX XXXX in XXXX and I was told that everything was fine when opening up my account with XXXX XXXX using a XXXX social insurance number. 

After not being able to login to my account with the TD app and calling TD bank numerous times to no avail, I went back to the branch. I was then provided with the same firm I filled out before to fill out again and was told I would be able to transfer funds into my account at the end of that week on XXXX XXXX 

A couple of days later I went into the XXXX XXXX XXXX branch and met with XXXX XXXX and also opened up a Checkings account. XXXX XXXX told me that my simple savings account was still not opened up with TD bank because of an issue with using my XXXX social insurance number. That same meeting, I was told that the issue was being dealt with by the back office and XXXX would let me know what was happening by email a couple of days later. 

I still have not heard back from anybody at TD bank regarding the hold up providing private and confidential information to TD to bank.
Consumer complaint received 2021-12-27
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. (NY)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-08-31
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (FL)

The short version is that Hyundai will not send my title info to the DMV in TN. They keep saying they are rejecting it becasue they don't have the address ( they never tell me it has been rejected, they just say to call back sometime to check on it ), but the address has very clearly been sent to them 4 times this month ( they have acknowledged receiving other information in these emails however ). You can not speak to a title agent, only some largely clueless regular phone agent who they have not properly equipped to address these issues. This is the kind of nonsense that XXXX keeps getting knocked for, not sure how or why they make this so hard. The internet it full of these stories and I truly hope Hyundai starts getting sued and fined for this. 
They sent an email detailing what they needed ; I copied it and replied with all of the information they requested.
Consumer complaint received 2021-12-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc. (PA)

First, I'd like to say that according to House Joint Resolution 92 of 1933, that all currency, such as federal reserve notes, are debt instruments and promises to pay and only gold and silver can pay debts according to the constitution. Next, National Credit Audit Corporation is a third-party debt collector and not a creditor. I don't have an agreement between myself and NCAC for any alleged debt yet, the third party violated 15 USC 1692c as the debt collector does not have any consent from me to have my information or to contact me. Also, NCAC violated 15 USC 1692f by selling my information to consumer reporting agencies despite not having an agreement between me and the third-party debt collector as well as abusive language stating I owe NCAC despite there being no money of value in the United States XXXX Do not disregard my rights and ignore the fact that I am exercising my rights as a federally protected consumer.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2021-12-27
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: Experian Information Solutions Inc. (NY)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2021-12-27
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: CITIBANK, N.A. (TX)

I am a victim of identity theft. Upon review of my credit report I discovered inquiries that were not authorized or initiated by me. The inquiry that is fraudulent is : CBNA on XX/XX/2021.
Consumer complaint received 2019-11-22
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: Credit Technology, Inc. (CA)

XX/XX/2019 XX/XX/2019 I have reached out to all three credit bureaus and the inquire companies. All that has done nothing to resolve the matter.
Consumer complaint received 2022-12-03
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. (TX)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION (IL)

I have tried to be a responsible consumer when it comes to Navy Federal Credit Union. I started with this CU back in XXXX. In XXXX a couple of things happen we lost income in my household due to my husband losing his job and me being diagnosed with XXXX XXXX. At the time I had a checking, savings, XXXX credit cards and a car loan with Navy Federal. My husband took his unemployment checks and paid the {$520.00} car note and I defaulted with the credit card payments by a couple of months. You'll think that they'll consider a life threatening illness as away to give options to assist me, but instead I got hit with 60 days past due on 1 card and 90 days past due on another card. 

I called and they deferred the interest rate on the cards to assist me, mind you I requested that the 60 and 90 days late be reconsidered since I've been a good client with them never late on the car payment and because I was battling XXXX. The rep stated that we report what's right and unfortunately we can't remove the late payment. What a bunch of BS my background is banking and I worked at XXXX, XXXX XXXXXXXX XXXX, and XXXX XXXX and they took care of their clients. Anywho after that got back on track never had a late or missed payment since then and it's going on 4 years. 

They talk about reporting accurate things. I will upload my credit report where it shows that it's reporting different late payments to different bureaus, in which according to the FCRA is in violation and this accounts should be removed immediately. 

Well it brings me to my complaint today. I called Navy Federal today again trying to be a responsible consumer to let them now I'll be unemployed on XX/XX/XXXX due to XXXX and the business shutting down. I spoke to XXXX in the settlement department and she told me in order for Navy Federal to offer me a settlement on my XXXX credit cards that I must be delinquent. I explained to her that the cards are closed, however when you go on their site it's telling me I have an available balance to use. Mind you I called on Friday XX/XX/XXXX and spoke to another rep that stated that she don't know why it says that, because it's " wrong '' and that the settlement department would be able to assist me but since it was XXXX XXXX that it was closed. 

XXXX went on to tell me depending on how delinquent the account are that's how they go about how much they'll settle for. In which I ask for literature with that info but I guess that went right over her head. 

To add salt to injury if my minimum payment is {$88.00}, {$64.00} is interest, in which means only {$23.00} is going towards the principal with a balance of XXXX. This would never be paid off. 

Last but not least the last payment that they're reporting is XX/XX/XXXX on my credit reports for one of the cards.These credit reports were from XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2021-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (NY)

I have several accounts on my credit reports that continue to show inaccurate information and the companies have yet to rectify this situation even though they provided letters to me that state that they are reporting wrong info. They have failed to update the credit bureaus with the correct info and now my credit has been severely affected. I am attaching the letters sent to me by these companies as proof of their wrongful reporting.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : XXXX XXXX Account No : XXXX and Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 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 an 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-27
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. (NC)

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. I sent letters to Experian Credit Bureau 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 Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (IL)

I have received " Access Checks '' to transfer balances from other accounts to my Credit Card account directly from Chase Freedom Bank each month for multiple months ( estimate at least 4+ months ). On XX/XX/2022, I called Chase ( XXXX ) and reached customer service where I requested these checks be stopped. The agent confirmed the stop request. 

On XX/XX/2022, I received an additional set of checks ( XXXX XXXX XXXX XXXX XXXX ). 

On XX/XX/2022, I called Chase again and spoke with an agent. She informed me of the notes from my XX/XX/XXXX call. I told her I had a new set of checks I just received and it should be cancelled. We got disconnected. I called back and spoke with another representative. She pushed the cancellation of the checks through on the account and escalated me to a senior representative. 

The senior representative confirmed the checks received XX/XX/2022 were printed on XX/XX/2022 ; after the initial cancellation on XX/XX/2022. These should be the last set I receive. She then disconnected the call without finishing the conversation.
Consumer complaint received 2022-11-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I went online on a website XXXX XXXX XXXX XXXX XXXX. I received a text from a contact form I filled out. We talked by text, and then by phone. We agreed on sell of a kitten. {$550.00} on XX/XX/2022. I used XXXX through my bank, Capital One. The money was transferred. I set up a time to pick up the kitten and went to pick up the kitten. The person did not show and stopped responding to texts or calls. This individual tried to scam me again by asking to ship the animal for another amount before they stopped responding at all. I contacted my bank immediately. Reported the incident as fraud, gave all the texts and information about the transaction. Capital One, which is XXXX of the XXXX large banks that own XXXX XXXX XXXX which owns XXXX. Capital One is trying to deny refunding my bank account for the {$550.00} by saying it wasn't a fraudulent charge since I was the one who made the transaction. This is not what was questioned to begin with. This transaction, and however many more this person has been allowed to make through XXXX with other people, are scams. They are taking people 's money and the banks are doing nothing about it. And, then the banks refuse to refund the money. I want Capital One to return my {$550.00} that was sent, and I want Capital One and the other banks to start investigating and tracing down the people they are allowing to scam people through their banking systems.