davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-19
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. (TN)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX, and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX XXXX Balance : {$30000.00}
Consumer complaint received 2023-06-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC. (NY)

I traded in my XXXX XXXX and financed a XXXX  XXXX XXXX last year. Mainly to get back and forth to work ( as a XXXX XXXX XXXX ). I am also a part of XXXX XXXX XXXX XXXX XXXX. We began XXXX last year and instead of having an additional bill while XXXX I began to ask about the SCRA law. I tried to utilize it, not knowing there was a difference between what the law does in comparison to financed and leased vehicles. Getting ready for my first XXXX XXXXXXXX and doing my best to get my family ( wife and XXXX children ) settled for my departure, I continued with turning in the vehicle. A representative for chrysler capital put me at ease, telling me, vehicles are often upsold and when that happens the previous owner is written a check. Knowing I had a barley used, 2022, " in demand '' vehicle, I thought it would work out well. While XXXX the vehicle was sold, at an " auction '' for more than 20k under the value. Chrysler Capital wants me to pay the difference.
Consumer complaint received 2017-05-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (CO)

We currently have a loan with Ocwen. We were naive and got into a loan we should have never qualified for and should have never accepted it. This was in  2006 . After receiving mailers and offers to refi through their sister company   Homeward we thought it would be a good time and put in an application. That 's when the mess began. To keep this simple here are the main issues.
1. We received a denial letter before we even completed our submission of required paperwork. I had been sending documents over and requesting for statuses by email from the processor who failed to respond on multiple occasions. Without the opportunity to complete the information requested or being advised further information was needed how could they deny the loan. I have a copy of the underwriters book from Homeward and this is against thier policy.
2. We w  ere charged  XXXX  for the appraisal and according to the appraisal itself it was only  XXXX . There was never any mention by Homeward they were tacking on anything additional.     3. They claim they could not verify employment. My husband works as a   XXXX   XXXX   XXXX   with a client in our home. We provided check stubs, tax documents showing the room and board portion of the income, checking statements showing deposits that match the stubs, a verification letter from the company that pays us, an email from the company that pays us, it 's documentation with the statute that applies to difficulty of care payments and why it was n't on the tax documents. Once all of that was provided they moved on to other requests then we had the appraisal. I was under the impression that the income was ok because we received no communication from them to lead us to believe there was any issue prior to the appraisal as I was not receiving responses from the processor. If I had I would have either complied with request or cancelled the appraisal.
3. They stated that our loan was denied as well due to a credit score. They credit score w  as  XXXX . Not great but they knew all that before the appraisal and never once mentioned it and was actually told it would be fine. Their concern was debit to credit ratio but because we were cash out to consolidate that would have resolved that problem immediately. It was explained to me that with the cash out and pay off because the debt was being paid off it would n't count toward the ration for fha.    4.  Our house appraised at  XXXX  higher then what i  s owed.I believe that because Ocwen and Homeward are basically same company different name that they did not want to rewrite the loan as they stand to make a lot more if t hey leave us in the high interest rate and balloon payment. Why else would they not let us finish our submissions, not respond to emails and status checks.
5. In constant and no communication. Not responding to emails or calls.
6. Notifying of the decline and not complete the file.
These are the main issues. Communication was the worst
Consumer complaint received 2022-12-12
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: Experian Information Solutions Inc. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-07-19
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

1. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX 4. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX XXXX XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX AMERICAN CREDIT ACCE XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX CAPITAL XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX DOBBS BLOSSOM AUTO L XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX PREMIER XX/XX/XXXX XXXX PREMIER XX/XX/XXXX AFF FINWISE XX/XX/XXXX BLOSSOM XXXX XX/XX/XXXX XXXX XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX IN XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX OMEGA AUTOSP XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-12-17
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. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2021-12-17
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: Experian Information Solutions Inc. (MD)

This is 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. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (TX)

I am XXXX  and struggling to care for XXXX  parents. My Dad just passed away and my mother has XXXX. paying a caregiver and other expenses for them hadmy credit card debt high. I have great credit with no thirty day past dues, charge offs etc. I contacted my highest creditirs asking for a program that would allow me to get the debt under control. I entered into a debt releif program but unenrolled after understanding the debt would not be paid in full but only a portion. I was taught by Mom that oyu pay for what you charge and to not is stealing. I pride myself although struggling on maintaining my credit and paying my bills. One of my creditors immediately placed me in a program because of my stellar payment history. Chase would not assist and after being told to not call again sent a fradulent unautnorized payment through my account. After refusing to halt the payment being provided proof it was not me I had to file fraud payments with my bank. Subsequently the payment was reversed I payed Chase in full onlu to have them retailate by reporting me to the credit bureau and causing a XXXX point decline in my credit score. I then find today that they close card of over nine years and caused another hit on myh credit score. I have spoken to Chase agents all the way to the corporate level but the retaliation in continuing. This is so heartbreaking for me as I have worked diligently to preserve my credit and credit score. I have spent countless hours on the phone and still it is not resolved. I was assigned someone at the corporate level after beinf denied the CEO 's contact info. His name is XXXX and his number is XXXX XXXX Extension XXXX My Case Number is XXXX. We talked Tuesday but after calling back yesterday to inform him my credit card was cut off there has been no repsonse. I was told the issue would be escalated to his supervisor and I requested a differnt person to work with me. I asked him if they could remove the thirty days pass due from my credit report as I am a long time customer and life happens. All of these issues were beyond my control and I must care for my parents as they age. He said " I'll look into it ''. He was calling about the fraud complaint. I offered to provide documents proving I did not make the payment removed from my account as I was in academic advising with XXXX XXXX XXXX  and the were willing to provide a statment that I was indeed in a FAFSA meeting with them. He said if needed he would take it later???
Consumer complaint received 2024-02-22
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Accredited Collection Service, Inc. (NE)

I have been repeatedly contacted by this company about a medical debt I'm aware of. 

They called me on XX/XX/2024 and again on XX/XX/2024 after being communicated with via phone and mail that they are to ceist and desist further phone calls. 

This company repeatedly has violated the FDCPA and I have every intention of filing a suit.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

They have wrong employment information and also information there is also a collection that shouldn't be there because it's given to a lender which makes it the people who sent it over there issue.
Consumer complaint received 2022-12-12
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-05-21
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. (TN)

In accordance with The Fair Credit reporting Act the list below has violate my rights as a consumer right privacy. 

Account # XXXX 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 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (SC)

On a Citigroup Credit Card ( US Air Affinity ) i took out a Citi Credit XXXX 12 month term loan. 

Received my Citi Credit Card Statement yesterday which included normal credit card purchases and reflected total balance due for the the CitiXXXX Loan but no information on how/when/what on CitiXXXX  loan payment requirements XXXX 

I suspect the minimum payment on the statement would trigger predatory fees/interest. 

i had to contact CITI online for exact payment amount for credit balance + Citi XXXX loan obligation which was not reflected on Statment.
Consumer complaint received 2023-07-04
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION (PA)

Ive reached out to Navy Federal XXXX of XXXX, and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX  and have gotten no response. I was a victim of fraud and I explained this to the company along with making a police report and sending in the police report information and it was rejected. Ive called on several occasions and no one has listened to me.
Consumer complaint received 2021-12-17
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: Colony Brands, Inc. (TN)

I ordered some merchandise from XXXX and paid for it. months later I have on my credit report 60 days late for credit that i did not apply for. When I called XXXX to handle the matter ; they said that they sent me a necklace that I did not pay for. I then paid for it. but it is listed on my credit report that I applied for credit for XXXX and for XXXX and is late 60 days. 
I filed a dispute with XXXX with no results. If they had investigated this matter they would no that I never had a credit account with this company for that amount. 
This credit reporting error brought my credit score down XXXX points.
Consumer complaint received 2023-02-27
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. (FL)

I appreciate your time to have some of the fraudulent accounts and information removed from my Credit File but upon further inspection of my Credit File. I noticed that there are a lot of fraudulent items that still remain. In accordance with the Fair Credit Reporting Act section 605b, you are required to remove the fraudulent accounts and information you report on my Credit File. Please comply with the Fair Credit Reporting Act section 605b, and haver the remaining items removed from my Credit File File as soon as possible ; XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}. I am submitting this CFPB Complaint to request that you remove the fraudulent accounts and information off of my Credit File as soon as possible. As much as I appreciate the deletion and action you have taken, the remaining items should have also been removed from my Credit File.