davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-16
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. (CA)

The credit bureaus have furnished and reported an inaccurate account on my credit report by XXXX. I have sent multiple letters regarding the violations on my report keeping me from obtaining more credit and ruining my reputation. The account is a FDCPA section 807 violation misleading false reporting the last payment date, the balance, the reporting date, last active and date opened are all incorrect and not the same.
Consumer complaint received 2021-01-12
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. (GA)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2021-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MA)

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2023-03-31
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. (MO)

I am submitting this CFPB Complaint to dispute the presence of inaccurate and erroneous accounts on my credit file. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request the correction of inaccurate or incomplete information from my credit report. Upon reviewing my credit report, I have discovered several accounts that contain inaccurate or erroneous information. Specifically, the accounts I am disputing are : XXXX XXXX Balance Owed : {$400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$2800.00} XXXX XXXXXXXX Balance Owed : {$160.00}. The information contained within these accounts is inaccurate and does not reflect my credit history accurately. I request that you investigate this matter and correct any inaccuracies found. Under section 611 of the FCRA, credit bureaus are required to investigate disputes within 30 days of receiving them and correct any inaccuracies found. Additionally, section 609 of the FCRA requires that credit bureaus provide consumers with a free copy of their credit report if their dispute results in a change to their credit file.
Consumer complaint received 2021-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I'm having problems with resolving my Dispute with my Capital One XXXX card. I was billed for services not owed By XXXX XXXX without consent. A third party already paid off the XXXXXXXX XXXX  and XXXX  has continued to accept payments for services already paid. Capital One refuses to submit the dispute with XXXX XXXX demanding to have documents received by me first before disputing my payment with the merchant. The XXXXXXXX XXXX  is collecting double payment intentionally knowing that payment has already been paid off. The bill now has an over- payment credit.
Consumer complaint received 2023-03-31
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. (OH)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 a account without my written instructions Also, the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Stopped payment on check XXXX XXXX XXXX XXXX XXXX XXXX  ) and called to inquire if the check had been presented - knowing whether or not if I can pay the merchant without fear of a duplicate payment. 

At XXXX XXXX I called the customer service department of Bank of America XXXX and the request was too much for the agent to handle- and she went into overload and hung up on me!!! 

Nasty Nasty Nasty!!
Consumer complaint received 2021-06-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SoFi Mortgage, LLC (FL)

I understand that this bank is trying to do everything by the book, but in their quest to do so puts a tremendous amount of stress on the buyer. I provided everything they asked for, and it still didn't suffice. It was particularly problematic when it came to liquidating crypto for part of the down payment. So I found a workaround in the form of a gift from my partner. Then they wouldn't let him sign it electronically through adobe sign or docusign. Do they not understand that it is way easier to forge a written signature than it is a digital signature that they can trace? Also, they allowed for everything else to be e-signed. On top of all this, the lender waited until a couple of days before close to tell me this. So at this point, it was either jump through all the hoops or lose $ XXXX in earnest money. After my partner signed the gift letter, XXXX requested more documentation, citing XXXX XXXX guidelines. Not sure why I was told this after going through the whole process of getting it signed. Part of all the confusion stemmed from the lack of SOFI properly educating me on the type of loan I was receiving. I had no clue that it was a XXXX XXXX loan versus an FHA or some other kind of mortgage. So when I tried to research on my own, I was receiving conflicting information. Finally, in addition to signing the gift letter ( a legal document ), they asked me to type a blurb stating that I would not be paying the funds back. So a legal document was not even good enough for them. After all of that, they requested that my partner sign an affidavit saying the house would be his permanent residence, even though we don't live in the same state due to our careers. Again, something they told me after I went through the whole process. I was clear from the beginning where the funds were coming from. Even the title company and lender were shocked by how difficult the lender was being. 

Further, SOFI waited until the last minute before requesting proof of funds. Had they set a deadline, I would have had it done. Instead, their procrastination pushed the deal right to the brink. I then had to sign an extension with the buyer, which cost me more money. XXXX being ill-prepared, almost lost me my {$20000.00} in earnest money. Ultimately, I had to walk away from the deal with SOFI and paid cash instead, which, had I done from the very beginning, would have saved me a lot of time, money, and heartache. I am extremely fortunate that between my partner and I, we were able to come up with the money. 

Overall this process was so frustrating that I never want to apply for a mortgage again. As a first-time home buyer, this should have been a life milestone, but instead, it was a nightmare. SOFI should really be investigated for its lending practices.
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

In XXXX, we obtained a loan in the approximate amount of {$260000.00} through XXXX XXXX XXXX secured by our principal residence at XXXX XXXX XXXX XXXX, XXXX XXXX, CA. From loan inception until sometime in XXXX, the loan was serviced by XXXX XXXX. We set up auto-pay through XXXX XXXX XXXXXXXX paying : {$2200.00} ( principal and interest of {$170000.00}, plus {$500.00} additional principal ), then in XXXX, {$2500.00} ( principal and interest of {$170000.00}, plus {$700.00} additional principal ), then in XX/XX/XXXX, {$3000.00} ( principal and interest of {$170000.00}, plus {$1200.00} additional principal ). 

In XXXX, XXXX took over as the loan servicer. Instead of applying the additional as principal pay-down, XXXX applied the additional principal payments towards future loan payments due. In XX/XX/XXXX, I noted the next payment was not due until XX/XX/XXXX. I immediately contacted XXXX explained the situation and was assured it would be handled. Email dated XX/XX/XXXX from XXXX attached. 

Unfortunately, it was not handled. XXXX did not auto pay itself for XXXX. 

XXXX XXXX has a credit score service that allows members to check your credit scores periodically. Our credit score went from XXXX in XXXX and XXXX in XXXX to XXXX in XXXX. It has taken us our entire working lives to build a credit score of XXXX. According to the credit report, there is only one reason for the credit score to a fallen XXXX points. 

I have contacted XXXX on two occasions. On each occasion the XXXX representative acknowledged the error and advise that it would correct the information to the credit reporting agencies. XXXX has done nothing in terms of submitting any information to the credit reporting agencies.
Consumer complaint received 2024-04-23
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Skrill USA, Inc. (OK)

I received XXXX dollars in my skrill account. I attempted to use it for purchase and failed. I attempted to transfer it and failed. I submitted a ticket through the website after chat was not able to resolve and have not had resolution. This is the 3rd time I have gone through this. They continuously can receive my money or take my money but I can't access it or use it.
Consumer complaint received 2021-06-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

I was a victim of identity theft. I also had my gym bag stolen and it had my personal information in it. I also was a victim of the XXXX data breech. I paid the debt to this company then they kept on harassing me and saying I owed more and more then I realized this was not my debt.
Consumer complaint received 2021-03-17
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Experian Information Solutions Inc. (DE)

On XX/XX/2020 a collection account was placed on my XXXX, XXXX, and Experian credit reports. I contacted all three credit bureaus for verification and also the collection agency XXXX XXXX XXXX XXXX XXXX about the debt, in return the collection agency sent a list of my medical procedures which they did not have permission to have, nor did they provide a HIPAA release form. Which was a violation of my HIPAA rights, I sent a second letter to the three credit bureaus and the debt collector to notify them of the HIPAA violation, and all three bureaus have past the FCRA 30 day window. Thank your time.
Consumer complaint received 2021-06-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (IN)

On XX/XX/2021 @ XXXX PM - I received the following notification from " AFFIRM " - ( via email ) regarding an investigation I requested of an unauthorized account. However this account is still negatively reported on my Credit report as of XX/XX/2021 and is impacting my credit score negatively. As a result, I can not refinance my house or car, My Homeowners insurance rates have increased and I have been placed in a status for potential non- renewal, My credit account limits have been reduced, and I can not write even write checks at the grocery store. 

The Email Reads : Hi XXXX, We are writing to you in response to your unauthorized dispute claim and have completed our investigation. Our review has concluded a resolution in your favor. Rest assured, you will not be held responsible for the Affirm loan ( s ) made in your name and the loan ( s ) will be removed from your credit report in our next reporting cycle. Please note most updates take 30-60 days, but in some circumstances may take longer. 

We have also placed restrictions on this Affirm account from obtaining any future loans. 

We sincerely appreciate you contacting us regarding this unauthorized activity. We apologize for any inconvenience this may have caused you. Please do not hesitate to contact Affirm again with any additional questions you may have. 

Best Regards, Affirm Account XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-02
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: CITIZENS FINANCIAL GROUP, INC. (NY)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft CITIZENS BANK Account Number : XXXX This is not mine. 

2. Identity Theft XXXXXXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  XXXX. 
Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Date of Inquiry : XXXX XXXX This is not mine. 

7. Identity Theft XXXX XXXX Date of Inquiry : XXXX XXXX This is not mine. 

8. Identity Theft XXXX  Date of Inquiry : XXXX XXXX This is not mine.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2023-03-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-15
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SF VAGO, LLC (GA)

I WAS PROVIDED A COVID RELIEF EXTENSION THAT WAS FOR TWO MONTHS. I WAS ADVISED IT WOULD BE GRANTED FOR THE MONTH OF XXXX AND XXXX WHICH WAS MISCOMMUNICATION ON THE REPRESENTATIVES BEHALF. ME BEING MISINFORMED LED ME TO MISSING XXXX PAYMENT BECAUSE THE EXTENSION WAS ACTUALLY FOR THE CURRENT MONTH XXXX AND THE NEXT MONTH XXXX. IT WAS A COMPLETE MISCOMMUNICATION AND AS SOON AS I WAS NOTIFIED OF THE LATE PAYMENT I IMMEDIATELY PAID THE BALANCE TO CURRENT STATUS. I HAVE REACHED OUT EVERY SINGLE DAY TRYING TO FIX THE NEGATIVE MARKING ON MY CONSUMER REPORTS AS I BELIEVE THEY ARE INACCURATE. NO ONE CAN SEEM TO HELP OR FIX THE PROBLEM I HAVE PAID MY LOAN ON TIME SINCE XX/XX/2019 WHEN I RECIEVED THE LOAN. I HAVE NO LATE PAYMENTS ON MY CREDIT REPORTS OTHER THAN THE MARK FROM MY THIS PARTICULAR ACCOUNT. CAN THIS LATE PAYMENT PLEASE BE REMOVED FROM MY ACCOUNT AS I WOULD ASSURE YOU IT WILL NEVER HAPPEN AGAIN.
Consumer complaint received 2021-06-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (NJ)

I had a Chase Sapphire Reserves credit card in XX/XX/XXXX which has an annul fee of {$450.00}. It came with an annual travel credit of {$300.00}. With COVID pandemic in XX/XX/XXXX, we would not be able to travel to use this travel credit.

In XX/XX/XXXX, Chase increased the annual fee to {$550.00} for this card, so I decided to close this account. During the closeout process, I asked about this unused {$300.00} travel credit due to COVID. The representative on the phone agreed to give me back {$100.00} credit and I would forgo the remaining {$200.00} travel benefit. I agreed and we started the process to close the account. Unfortunately, during this process, our phone call was disrupted. I called back right away, but got a different representative, who had no knowledge about our agreement and refused to give me the {$100.00}. 

They did offer to extend my travel credit to next year, but I did not feel to pay the higher annual fee, so I decided not to accept. We closed the account that day in XX/XX/XXXX and I paid off all the balances with the exception of this {$100.00} travel credit that Chase agreed to give me back. 

Since then, Chase has sent me demanding letters and phones calls for this. I explained the situation and their agreement with me and asked them to listen to the voice recordings and notes, but they continued insisting on the remaining payment, which I do not feel I owed them. The balances has grown to {$300.00}, which Chase finally wrote off in late XX/XX/XXXX an reported me to the credit bureau. 

As a result, my credit score has dropped by 193 points from XXXX to XXXX. This is an abuse of Credit to a very good consumer during a very difficult time of pandemics. Chase is abusing its power to ruin my credit history which took me years to build. I changed from a perfect credit score to a bad credit score consumer. 

I hope the government can step in this situation to stop this abuse. By the way, they did not offer any COVID relief to me. 

Sincerely yours, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (FL)

Chase Auto finance refuses to answer questions directly relating to my redemption department payment extension request in writing. They mention everything but do not answer or acknowledge questions relating to these requests. Please respond in writing and answer. 
1 ) I want acknowledgement in writing as to whether or not you received the requests? Both were federally declared disasters and the most recent the XXXX building collapse. 
2 ) Were these received and is an extension processed? 

Please answer directly the above two questions or I will continue to escalate this with every agency and complaint board until answered.