davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (MA)

Trying to get a loan modification since XX/XX/XXXX after the birth of my son and loss of come from my late husband and myself being on maternity leave. Ive received miss-guided and missed leading information from the mortgage company which continues to delay my process. Ive struggling to get the mortgage to hear me out as I want to make things right. XX/XX/XXXX I was able to prove I can afford the mortgage and pay the mortgage but my non-owner occupied co-borrower ( who is my uncle in law ) refuses to comply so I could move forward with a modification. Prior to my husband passing away I was asked to get a quick claim deed ( XX/XX/XXXX ) only to be told that doesnt support my case, I was approved for a variance ( XX/XX/XXXX ) and I was approved for a modification and I completed my three month trial period ( XX/XX/XXXX ) only to be told in my final process of the modification my co-borrower would not be removed after being promised he would be removed with every phone call and conversation I had with representatives.XX/XX/XXXX I was told the reason my modification was not processed and completed is because I neglected to submit a copy of the variance approved by HUD. Is my understanding the mortgage company is typically supposed to request a copy of the variance. As of XX/XX/XXXX I was told the removal of a co-borrower is a case by case situation but my case does not grant that and I was also told it is to the discretion of the mortgage company to obtain a variance. I was told they are not obligated to obtain one especially because they dont feel my case was a necessary situation where they would have to remove my co-borrower. 
I asked why was I approved, why did they make me go through the trial period And pay money knowing my co-borrower was noncompliant from the very start of me requesting a modification ( in XX/XX/XXXX ) only to be told the company felt bad for me for two years and unfortunately that led to me being misinformed and miss guided throughout this process. I have made countless calls and requests to get answers and understand why am I receiving this type of treatment only to be told I could not speak with a manager or a supervisor and they could not provide me with appropriate information to file a complaint. To date I struggle with finding out how to reach out to corporate because I was told that is not something they have to share with me. I need help as Ive struggled to get help or accurate information well trying to file for a mortgage modification. My husband passed away XX/XX/XXXX and it has been my desire as well as my families to keep our home. Im determined to make things right and to pay but Im finding difficulty working with my mortgage company.
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (FL)

This complaint is attached to your previous complaint # XXXX already closed for some reason. 

A fake check with an unauthorized signature was paid by truist bank on XX/XX/XXXX for the amount of {$8700.00} to an unknown party from my business account. Also the fake check is missing a digit of the account number in the bottom of the check. A claim has been issued with truist bank and was denied saying that had to be within 30 days from the transaction. This check has a totally different signature from the authorized one and even missing 1 digit in the account number on the paid check. 

after the complaint above was failed trust bank refunded the amount of {$5100.00} on XX/XX/XXXX ( attached bank statement and highlighted transaction ) but not the correct amount of {$8700.00}. Truist bank still owe me {$3500.00}. 

The last phone call made to trust bank on XX/XX/XXXX did not work out again the claim specialist says they can not do anything about this and the initial claim was denied. I opened a new complaint with truist bank again ( truist bank complaint # XXXX ). 

This company paid a fake check from my funds without authorization and now saying I have 30 days from the check paid to recover my money. We save money in banks to be safe and not be part of a fraud.
Consumer complaint received 2020-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is showing a late on my XXXX XXXX  XXXX XXXX for XX/XX/2017. There should not be any lates showing on my account.
Consumer complaint received 2020-01-17
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: CAPITAL ONE FINANCIAL CORPORATION (NH)

I have recieved my credit report. I have been paying off old debt the past five years. There is a credit card on my credit report from XXXX XXXX. I never  had a credit card from them. The only credit card I had was from XXXX XXXX. I have spoke to my wife about this as well. 

The credit card company listed says I owe {$450.00}. According to the report it states the following Account # : XXXX .... XXXX XXXX XXXX XXXX XXXX, NV XXXX Date opened XX/XX/XXXX First reported XX/XX/XXXX Closed XX/XX/XXXX I have only recieved one bill dated on XXXX Since then this is when I checked my credit report throughhXXXX XXXX  and have stating their was information on my report that was not accurate. To why I have my credit report provided to me.
Consumer complaint received 2020-01-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

I have filed CFPB complaints XXXX and XXXX previously, reporting Portfolio Recovery Associates attempts to intimidate me into paying a debt that is not mine. Their responses, to date, state only that they are doing " what is permitted by law '', and totally ignore the clear evidence that this is not my account and that their notifications have been sent to a different person at a different address. 
I recently received notification that my Credit Score had dropped by more than 100 points, and, upon checking, discovered that Portfolio Recovery Associates has filed an ADVERSE ACCOUNT action in my Credit Report. All this, while clearly knowing that this is not my account and that I strongly dispute their claims. They are attempting to intimidate me into paying {$4000.00} that they KNOW is not my responsibility. Their tactics are clear financial elder abuse, and they should be prosecuted and barred from debt collection in all states.
Consumer complaint received 2017-08-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Systems International, Inc. (TX)

This debt has been re-aged and is illegal under the FDCPA and the FCRA. This is is illegal under the FDCPA and the FCRA. I did not have any procedure done in  XX/XX/XXXX . The procedure was completed  XX/XX/XXXX , which is passed the statute of limitations in Texas and uncollectable at this time.
This collection agency is reporting on my credit report. I do n't have any executed contract with a collection agency and did not owe them anything. Due to HIPPA regulations, I did not provide any of my doctors to share any of my information with a collection agency.
Consumer complaint received 2020-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is showing that I paid XXXX late on XXXX, XXXX and XXXX of 2018 this is no correct. There should not be any late showing on this account.
Consumer complaint received 2020-01-17
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. (SC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2020-01-17
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. (CT)

I sent a certified letter to TransUnion on XX/XX/XXXX. It was received on XX/XX/XXXX ( as shown on certified receipt ). While they did remove some of the accounts with violations, TransUnion blatantly ignored several of the inaccuracies and violations which were pointed out to them in said letter. They continued to report the exact same inaccuracies and violations on my subsequent credit reports ( XX/XX/XXXX and XX/XX/XXXX ). Their failure to remove inaccurate information is severely impeding my ability to repair my credit. My credit report is riddled with inaccurate information which they are purposely reporting! I will attach a copy of said letter as proof.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

I received my Credit Report on XX/XX/XXXX and notice there were hard inquiries that dont have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times, they keep violating my rights under 15 USC 1681b. I also have listed the hard inquiries that dont have any purpose to be on my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

I am trying to get funding for my business and these inquiries are negative on my profile. These are fraudulent inquiries on my report. I did not authorize all of these inquiries. Below is a list of the inquiries. Please delete these inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CA)

XXXX XXXX  send me to collections for an account that is already paid! 

Midland collection Agency called me a few times to try to collect on a debt that is paid off. 

I called XXXX XXXX  and they said the account was send to collections with " Midland collection Agency '' I have called a few times already, to take care of the issue, I dont get any help from both parties. and it shows on my credit as collection account.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (NJ)

On XX/XX/XXXX PNC closed my account without notification for a stop payment that was made on an account I was power of attorney on and the stop payment was not in any way fraud and this was also from XX/XX/XXXX and on the day they decided to close my account without any notification I was receiving a very important deposit for {$1400.00} which as of today XX/XX/XXXX the payment is still saying paid to the account that is closed, PNC as stated the payment was rejected but the funds are still showing paid.
Consumer complaint received 2022-07-13
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. (PA)

I am XXXX XXXX, who is submitting this CFPB complaint. This complaint to Experian was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX : {$790.00} XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00}
Consumer complaint received 2023-02-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2020-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

Lexis Nexis is reporting bankruptcy to XXXX  and XXXX  lexis Nexis said they would remove it I have disputed it lexis Nexis is still reporting to XXXX  and XXXX
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

When I re-investigated my credit report, I realized that some of the information was erroneous. The Equifax and XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : Equifax : XXXX OF XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX : {$0.00} XXXX : XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (GA)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2023-01-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Self Financial Inc. (IL)

In accordance with the fair credit reporting act SELF LENDING/BANK XXXX XXXX XXXX XXXX, has violated my rights. 15 USC 1681 section 602 states I have the rights to privacy. 15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (TX)

This company was been paid in full in 2022 but still has the payment status listed as collection/charged off and the remarks also payment after charge off/collection Paid profit and loss and does not match across all the credit bureaus either.
Consumer complaint received 2020-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

Car loan from JPmorgan chase. They are in correctly reporting a missed payment on XX/XX/2017. Account was on automatic payment. Was told by representative they would fix it 3 years later it has not been corrected. 
Representative has not returned phone call in 3 months. This " late " payment is effective my life. 

Also FICO has not been reporting proper score neither has XXXX. I have reached out to both companies to correct mistake they say they will but do not. 

XXXX XXXX XXXX has opening a collection on a account that was fraudulent create m XXXX has not remove it after submitting paperwork. 

Please help
Consumer complaint received 2020-01-17
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (CA)

My XXXX XXXX gave me a brochure from XXXX XXXX, which offered financing for my procedure. They had a plan where you could spread the cost over 12 months with no interest. I was told I would need to call them directly to apply. I called and began to set up my account with their bank, Comenity Capital Bank. They took the entire application online. Once approved, the credit could only be used for that procedure, with my doctor. The rep told me that for the 1 year financing with zero interest, I would have to let THEM know the total cost of my procedure, and they would calculate the EXACT monthly payment necessary, so that I would pay no interest. 

The rep put me on hold and finally came back and said I would need to pay {$1400.00} every month, in order to have the " zero interest plan. '' I soon got a letter of credit approval in the mail. The letter was dated XXXX. It did NOT state the beginning and end of my 12 month promo period ; only that " once I made a purchase, '' ( my XXXX ), I would get a statement. My XXXX was on XXXX. Once I got my first statement, I set up auto-pay so every payment of {$1400.00} would be on time. The final payment came out to {$1400.00}, also paid on time. 

I then considered my debt paid. The next month I got a bill for {$3100.00} in interest, since I had " exceeded the 12 month promo period. '' NOWHERE did they define the start and end of the promo period. I NEVER go a copy of any credit agreement I signed. I paid the monthly amount THEY calculated. They used the credit APPROVAL date as the start of the promo period ( but never told me ) rather than my XXXX date, which was my " purchase. '' I think all their literature and procedures are Intentionally Misleading, in order to collect interest unfairly. I filed a dispute, but they sent me a letter saying they " need 90 days to investigate. '' Meanwhile they add over $ 100  monthly in interest and late fees. I have attached some supporting documents, with my notes.
Consumer complaint received 2022-07-13
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. (TX)

In Accordance with the fair credit act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # 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 that a consumer reporting agency can not furnish an account without my written permission.

15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector. or the express permission of the court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2020-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK (OK)

I deposited a check written to me and they placed a hold on the check which they had every right to do. Then they charged me for the amount of the check. Making my account negative when it had over XXXX dollars in it. They said this was due to them thinking it would bounce. Again they had never made the funds available so they had no right to charge me for the check
Consumer complaint received 2020-01-09
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. (NV)

Someone has opened fraudgulent accounts under my name to get good t that is effecting me negatively. I have tried to work this issue out with the credit bureaus I have even went as far as adding a fraud statement on my credit profile. The creditors along with the credit bureaus has allowed inaccurate as well as unauthorized accounts to be added to my credit profile and the accounts do not belong to me.