davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
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: Experian Information Solutions Inc. (MD)

I lodged a complaint with the Consumer Financial Protection Bureau ( CFPB ) against XXXX XXXX XXXX. They sent me a debt collection statement and insisted I disclose XXXX and other personal information to file a complaint. Despite my persistence, they refused to allow me to proceed without divulging this information. 

Upon reviewing the account claimed by " XXXX XXXX XXXX 's XXXX, '' I found it was not associated with me. I demanded that XXXX validate the debt, cease any collection action, notify credit reporting agencies of the erroneous debt, and refrain from further collection efforts. During my conversation with a representative from a call center in XXXX, they informed me that XXXX might respond within 90 days. 

Subsequently, I conducted online research and discovered numerous complaints against both XXXX XXXX XXXX XXXX XXXX 
and XXXX XXXX XXXX. It is evident that these companies should be held accountable to adhere to legal standards and refrain from engaging in deceptive debt collection practices or exploiting consumer information. 

I took proactive measures by sending certified letters, accompanied by a copy of my driver 's license and a utility bill, to XXXX XXXX XXXX on XXXX and XXXX. These letters were sent after I obtained a copy of my consumer report, which revealed that they were reporting a debt in my name. In these letters, I requested verification of the debt 's authenticity and urged XXXX to provide documents bearing my original signature, given my status as an identity theft victim. Despite these efforts, XXXX XXXX XXXX failed to furnish the necessary disclosures for debt verification. Meanwhile, they persisted in sending collection letters and making calls regarding a debt of which I have no knowledge.
Consumer complaint received 2021-11-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (FL)

Loan XXXX quotes us a refi on Friday XX/XX/XXXX with XXXX in closing costs, today XX/XX/XXXX he emails a different sheet with over XXXX in closing costs, XXXX XXXX. If I did that in my biz I would be fined and suspended by XXXX. How do closing costs go up XXXX grand plus over the weekend? XXXX should be fined for this kind of conduct. I have wasted time and a credit inquiry and am now outside the XXXX  day period for all mortgage inquiries to count as XXXX What makes it worse is he sent me an email at XXXX XXXX XXXX XXXX XXXX XXXX I'm reaching out to follow up on your loan refinance, can you confirm your feedback on the email i sent you Friday? I would like to know how you would like to proceed? 

thanks, THEN at XXXX PM XXXX XXXX, Thanks for the update. The rates/cost went up from Friday and that's why I wanted to reach out since I never heard back. I'm attaching the updated estimate for you to view. I feel this cash out will save some money now even with the additional cost, but please confirm if you want to continue with this update. Also, if you feel you can improve your score in the next couple of months to get it up in order to get a better interest rate and we can also look into waiting. Please confirm after you review the XXXX estimate. 

thanks, Get Your XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-29
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. (CA)

I had my credit ran today XX/XX/20 because I am trying to buy a new car however, I was told that I did not get approved for the auto loan at this time due to some accounts reflecting badly on my credit history. I had no idea what accounts they were referring to since I have always made it a priority to make all of my payments on time but when I looked through my credit report, I saw several accounts from various different companies that I never opened. None of the accounts listed on this report belong to me nor did I allow anyone to open them in my behalf using any of my personal information. I did not benefit anything from these unauthorized accounts such as money, goods, services or any other benefit and I did not make any payments towards any of those debts. I do not have any written or verbal contract with any of the companies listed therefor I have filed a police report.
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2019 I was denied credit with a credit card company, XXXXXX/XX/XXXX The reason they gave was based on information on my credit report and they advised me to get a copy of the report in order to correct any potential issues. 

I contacted the following credit reporting agencies : Transunion, XX/XX/XXXX and XX/XX/XXXX 

Allegedly there is a discrepancy with my Social Security number. The reporting agencies stated they have the wrong Social Security number tied to my name. They have not corrected this. 

This has resulted in my inability to secure credit and has resulted in my not being able to get a credit card or purchase a car. The impact to me has been significant and material. It has impacted my day to day life, and I have no recourse. 

After countless hours, repeated attempts, telephone calls, e-mails, data uploads this issue is still unresolved. The credit agencies are not responding or making material efforts to resolve this issue. Based on the responses I have been given, there has been little to no movement in attempting to resolve the Credit Reporting Agencies Failure This issue has resulted in a loss of credit building which will put my plans on hold of buying a home.
Consumer complaint received 2020-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

from XX/XX/2020 i was charged 19 x over draft fees each at {$35.00}. I have multipole accounts with capital one caring huge balances. these fees were charged on one particular ( non-for-profit congregation account ). I was told the account was set up with an overdraft backup to draw funds from my other account if overdrawn. this never occurred. instead they charged me 19 times {$35.00}. over the phone they did provide me a small refund for ( 4 ) of the 19 fees, but I'm still out the remaining 15 for a total of {$530.00}. I fee its unfair form Capital one to charge me these excessive fees for the following 4 reasons ( 1 ) you should've covered the overdraft form my linked account ( 2 ) this is a non-for profit business which can not afford these excessive bank fees ( 3 ) based on my overall relationship with capital one at which i have huge balances in my other accounts ( 4 ) due to the difficult Covid-19 situation which is devastating for our congregation and effects all operations.
Consumer complaint received 2023-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

I discovered on XX/XX/2023, that I was a victim of fraud. I logged into my mobile banking account and noticed that XXXX XXXX dollars had been withdrawn from my checking account. I called the fraud line and reported this, and a temporary credit of a XXXX was placed back in my account while an investigation took place. I received a letter today from Chase informing me that the transaction was authorized. I have never withdrawn XXXX XXXX from my account. It appears someone cloned my card and went to the atm five times, and XXXX XXXX XXXX dollars 5 times. This withdrawal has to be on an ATM camera. I work too hard to give a XXXX dollars away. I want someone to call me from the executive office. Thank you.
Consumer complaint received 2020-12-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Santander Consumer USA Holdings Inc. (PA)

I have spoken with with Santander consumer USA regarding the settlement with my state with the attorney general. This company was sued for predatory lending. I reach out to this company and was told that I dont qualify for any relief. The lawsuit was from XX/XX/XXXX to XX/XX/XXXX. The lawsuit stated that if anyone had the car from those dates will receive debt relief loan forgiveness or cash settlement. I was told that I do not qualify. I paid more for the car than its worth. My car is in charge off status and Im still making payments for this vehicle. I have had this car for 4 years and Im just now paying the principal on this car.
Consumer complaint received 2020-12-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (IL)

on XX/XX/2020 paypal placed a limitation on my account. they have froze my account allowing deposits buy not allowing me to access any of my money. now they are saying that my account is froze and i will not be able to remove any of my funds and that i have to wait for 180 days before i will get an email telling me how to transfer my money. and that all my bank and credit cards linked to the account can not be removed from the account. 
Just like they claim that money in pass through account is fdic insured however fdic said on the phone that they are not fdic insured
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I filed a dispute that was sent over to them and they responded back that they wouldn't remove these two innacurate items from my report due to them being legit when they are not.Then Ive called 3 different numbers I was given for them and they have not been reachable even after I left two messages.
Consumer complaint received 2020-12-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P. (TX)

Since XX/XX/XXXX ( if recalled correctly ) have called everyday including early mornings hours XXXX XXXX  and have repeatedly called multiple times one was at XXXX XXXX  another at XXXX and XXXX and actually received a call while typing this message ( they have only left one voice mail snd do not specify why they are contacting me and what the debt is for the phone number is out of new jersey and stressed about it i have ignored many calls and had to return phone calls cause it over rode business calls so i have lost some financial revenue over this
Consumer complaint received 2024-02-22
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: Experian Information Solutions Inc. (MI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. But the issue is that the website never completely lets me finish the account setup with usual errors ( ie " failed security check '' or " site error, try again '' ) on multiple occasions. Contacting IT department of the bureaus lead to nothing as the agent would " open a ticket '' and no resolution was reached. When the site actually does let me make an account, I can't submit any disputes due to further glitches and contacting IT again leads to nowhere. Last option remains to call their representatives and proceed to dispute through that but when I do call, the reps are too lazy to even properly initiate any disputes. FTC and police report numbers are not taken over the phone and are asked to mail instead. Even after mailing the said documentations over and over again via certified mail and having proofs that the bureau received it, the agents keep denying the receipt and keep hindering my attempts to fix any and all attempts to resolve this drastic information leaks on the bureaus end.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions 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
Consumer complaint received 2020-12-29
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. (KS)

Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.
Consumer complaint received 2023-06-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (IN)

After giving XXXX cease and desist orders, XXXX verbal and XXXX written sent by certified mail, they continue to contact me and sent me another pre-legal notice. I had told them that this is not my debt multiple times and that I am in a hardship and am not able to pay. I have researched this company and they have a very checkered past. I had requested them multiple times to get this off of my credit report. This supposed debt was supposedly charged off in XXXX. I have never had a XXXX XXXX Credit Card and I have no intention to pay a debt I do not owe. I would like them to cease and desist once and for all. I have also warned them that if they go ahead and sue me, I will file a complaint against their attorney with the proper disciplinary authorities to get attorneys suspended in the State of Indiana. I also plan to contact Indiana 's Secretary of State to pull their articles of incorporation in Indiana and to Indiana State Attorney General, XXXX XXXX, if they do not cease and desist. I feel it's that the CFPB start take action against this shady company and to leave me alone.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX
Consumer complaint received 2022-10-02
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. (GA)

Date : XX/XX/20, Amount XXXX, I have sent disputes to this company several times, and they are still holding inaccurate information on my reports. 

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 1692C Without the prior consent if the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692g ( B ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

15 U.S. Code 1692b ( 2 ) not state that such consumer owes any debt.
Consumer complaint received 2020-12-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY (FL)

Hello. I purchased furniture through XXXX XXXX in XXXX of 2016 with deferred interest. I was receiving my statement notifications and was able to login online as needed to review the statements until approximately 60 days before my interest deferral expired. I stopped receiving my statement notifications and was unable to login to the site without issues. I reset my credentials and contacted customer support about my login issues and the inability to get my statements to ensure the balance was paid off. At that time, I asked on more than one occasion to change to paper statements. I confirmed my information and still did not get statements in the mail or email notifications until after the interest was charged. I contacted TD bank with multiple written disputes that they denied and they refused to assist me. I believe they stopped sending the notifications purposely and neglected to send the paper statements even after two requests to allow the deferred interest to get charged. I would like to discuss this as they now have me owing more than {$1700.00} in deferred interest with no statement notifications and no letter in the mail even after I asked to change to paper statements well before the deferral timeframe passed. 

I am respectfully requesting the Consumer Financial Protection Bureau to help look into this and assist me as I have seen several other customers state online that they had similar issues with a deferred interest purchased account and TD Bank and failure to resolve statement delivery options and providing paper statements when asked if there was any issue with electronic notifications which is very unfair. Please contact me via email to XXXX, XXXX ( my wife ) or via phone to XXXX to help me get this resolved.
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (OH)

My name is XXXX XXXX - I have XXXX accounts that Cominenty  handles. A Victoria Secrect and an XXXX. I have filed complaints XXXX and XXXX. The CFPB needs to read this and investigate! You have no clue the toll this has taken on me!! This company was fully aware I was impacted by XXXX  and was on life support during the times of late payments. My husband tired calling in and no one would talk to him about my account and for XXXX, this is a total joke my credit is ruined because they failed to respond to a billing dispute TWICE regarding a {$35.00} late fee that was overly waived at the end of all this!!!! They have ruined my credit with their poor servicing! All they keep responding with is " your payment was due '' Your agreement says XYZ '' '' Well you know what! Had your company handled my billing dispute correct and spoke with mu hiusabd and gave me the COVID assistance i deserved, I would not have this issue right now! 

I had to cremate my daughter because they will not rightfully fix my credit!!! All other creditors did but them!! They need to be held accountable!!! Fix my credit! I do not deriver the emotional toll this is taking on me!!! I lost my husband and daughter to this XXXX, the only reason my payments were late is because I had the XXXX  and was in the hospital! Their compliance and Legal  need to review all my complaints and disputes and get my credit fixed!!!