davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-26
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : US Bankruptcy Court XXXX # XXXX, Account name : US BKPT CT TH # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXXXXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : TN Child Support # XXXX Account name : XXXX XXXX XXXXXXXX XXXX # XXXX Account name : TN Dept of Human SVCS CS # XXXX Account name : XXXX XXXX XXXX  # XXXX has violated my rights . 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-08-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money (GA)

After being approved for the loan ( XXXX  $ ) I expected to be paying back around XXXX-XXXX  . However the company is charging me an APR of 776 %! When I saw that I thought even with my credit that can't be right. So I did some research and found that there are limits to how high you can set APR and that far exceeds the limits based on my state.
Consumer complaint received 2021-08-03
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. (IL)

I submitted requests to : XXXX XXXX and Experian, asking them to remove my bankruptcy from my credit report, because : 1. They are violating my rights to privacy.

2. They are ruining my credit reputation.

I have not heard anything back from them. My letters were sent on XX/XX/XXXX, and as of today, I have not received any investigation results. 

Please help.
Consumer complaint received 2021-08-10
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. (GA)

Ive never done business with XXXX XXXX XXXX or entered into a signed contract with this company. The following account couldnt be verified by XXXX. Equifax needs to follow suit and delete this item from my report. FCRA requires all information being reported should be accurate, Please update my report and delete this fraudulent information from my report. Equifax also keeps verifying accounts with no proof. Ive sent in Police report and ftc reports. Its been months and they Keep saying XXXX XXXX is verified!! How is the account being verified. Im still waiting on a signed contract!! Nothing has come in the mail for Equifax or XXXX XXXX!! The account is fraudulent!! Again someone stole my identity and files taxes and opened multiple accounts in my name. Please block this information from my report. I will be getting an attorney, because Equifax has been investigating for months, I just received a letter dated XX/XX/21 asking for a police report. The police was sent via us mail and through an cfpb complaint. Whats the issue with this not. Please help me understand why Equifax is ignoring all of my legal paperwork being submitted.
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AZ)

XXXX XXXX I notified our mortgage company XXXX XXXX  that my husband had passed away on attempted to make a purchase from XXXX XXXX which was denied I contacted XXXX XXXX credit card and was told that on XX/XX/21 they received notice that I was deceased so they closed my account I provided them al my info at which time they reopened my account but would take 30 days and I should call equifax since they are the one whom notified them I called spoke with them they filed a dispute and all in one day filed it investigated and closed it they sent me by mail a notice that they corrected it and I was no longer marked as deceased. Not sure if date but it was in XXXX I received notice that my homeowners insurance for my XXXX  home had been cancelled due to me being deceased I called my insurance agent he contacted XXXX  and told them I was not deceased so they redid my policy using equifax for score and since they didnt show one on me my insurance policy cost me double the amount causing a shortage in my escrow account. 
I again called my mortgage company at least 4 times and finally this time is when o was told that they are the ones that made me deceased and not my husband and they are the reason for all of my headaches I was again told to fax the death certificate to their research dept so they could fix the problem. On Saturday XX/XX/XXXX I received a call from XXXX  at XXXX telling me that they have fixed everything on their end and that credit report will go out to equifax on the bill XXXX and they will make correction on their end then today the XXXX of XXXX I received a call from XXXX at XXXX tell me that it will be at least 60 - 90 days before this mess will be fixed because the previous person at XXXX told me to refax my husbands death certificate and it caused another dispute to be open!!! This has made my life a nightmare can you please help to get me??? 
Thank you
Consumer complaint received 2021-08-10
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: Shellpoint Partners, LLC (MD)

I have a mortgage that is serviced by Shellpoint/New Res. In XXXX of 2020 I got buried with major home repairs and some minor medical bills and got behind on my mortgage. I was able to bring everything current and on time by XXXX of 2020 and have been perfect since. My XXXX credit report says " XX/XX/2020 Foreclosure Started '' but uses no language to indicate that the process was terminated or otherwise stopped when the mortgage was brought current. I am selling the house and the buyers mortgage company is concerned that there is a looming legal process clouding the deed and title, and I am unable to secure a mortgage to buy my next home because of the failure or refusal to adjust the XXXX  credit file. The payment schedule clearly shows the months when the payment was late, the written statement about foreclosure procedure starting is in addition to that schedule. They should add language " foreclosure proceedings aborted or ended '' or remove the the written language about it starting. It is a problem and it is costly to both me and the buyer of my home. I may lose this sale.
Consumer complaint received 2021-08-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

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 BK OF AMER Account Number : XXXX This is not mine. 

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

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

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have six accounts that are showing up on my credit report they do not beloing to me they are not mine I have not applied or signed or used any of these accounts I need these accounts gone. 

XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$5700.00} OPened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$4100.00} OPened XX/XX/XXXX XXXX XXXX/XXXX- Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX XXXX  XXXX/XXXX  XXXX XXXX - Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX XXXX XXXX - Acct # XXXX Amt {$860.00} OPened XX/XX/XXXX XXXX XXXX XXXX XXXX Acct # XXXX Amt {$1200.00} Opened XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-08-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (GA)

I received letters dated XX/XX/2021 indicating that I have made either 24, 27, or 29 total PSLF qualifying payments, depending on loan sequence. I received further correspondence on XX/XX/2021 indicating that I instead made either 25, 28, or 30 PSLF qualifying payments, depending on loan sequence. As my normal billing date is the XXXX  of the month, I do not understand why there would be a discrepancy between correspondence on XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2021-08-10
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. (CA)

I have six accounts that are showing up on my credit report they do not beloing to me they are not mine I have not applied or signed or used any of these accounts I need these accounts gone. 

XXXX XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$5700.00} OPened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX XXXX {$4100.00} OPened XX/XX/XXXX XXXX  XXXX/XXXX- Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX XXXX  XXXX/XXXX  XXXX XXXX XXXX Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX Acct # XXXX Amt {$860.00} OPened XX/XX/XXXX XXXX XXXX  XXXX XXXX Acct # XXXX Amt {$1200.00} Opened XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-08-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (DC)

On XX/XX/21, the District of Columbia Department of Employment Services mailed me a check for {$6000.00}. The check states in all caps " VOID AFTER 180 DAYS. '' I deposited this check in my XXXX XXXX XXXX XXXX account on XX/XX/21. On XX/XX/21, XXXX XXXX removed the funds and sent me a letter, stating that Wells Fargo ( the bank used by the Department of Employment Services ) declared the check " stale dated. '' XXXX XXXX told me to contact Wells Fargo, and Wells Fargo will not speak with me because I am not the Wells Fargo account holder. The check was not " stale dated '' because it was still well within the 180 day window. This check should have been honored, and I have been charged a {$15.00} fee and am experiencing a lot of XXXX  because of this.
Consumer complaint received 2021-08-09
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. (FL)

I disputed XXXX  XXXX/Account XXXX and XXXX XXXX XXXXXXXX/ Account XXXX on XX/XX/2021. The reason why I'm disputed these account is because they are reporting inaccurate on my credit report. Yet Equifax has done nothing to change this. I dispute these accounts 4 times and still got no change. Equifax say its verified but I provide the correct information several times that is not correct. Activity is reported after these accounts were closed. This is a violation of the law and is incorrect on both these accounts.
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My mortgage account was in a forbearance until XX/XX/2021. I sold my house in XX/XX/2021. Even though my loan was closed current, paid in full and I was on a forbearance, XXXX  and Experian and XXXX  reported that I was over 30 days late for last month since I didn't pay last month because I was on forbearance. 

This has greatly affected my credit score - decreased 40 points. They have not found a way to resolve this matter. My mortgage company has stated that they submitted the information to the credit bureaus as paid in full and current but some how they are showing 30 days late.
Consumer complaint received 2021-08-09
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. (FL)

Student loans that are current are showing up twice, once as current and as late. Both have the same account numbers, the credit reporting company continues to report 11 loans as late monthly even when they are current. I have tried many times to contact them and they tell me they will fix it and they never do. This has been going on for over 6 months. I have also contacted the department of education and they say this should not be happening to contact Transunion, XXXX.
Consumer complaint received 2021-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Today XXXX, Bank of America branch of XXXX XXXX NY was visited by myself and mother as due to my XXXX XXXX, XXXX  XXXX and XXXX  XXXX, I need accompanying of someone who can react if I suffer symptoms of XXXX  as well as certain situations in which cause XXXX XXXX from occurring. My online portal was locked and I was unable to access this via my home which I remain inside due to the constant looks at myself as I am evidently symptomatic of a XXXX  XXXX. After being assisted by said Bank of America representative, she waited on hold with us for over an hour and finally when presented with questions concerning the account, I willingly provided every document of proof including tax returns via email on my phone, 1099 from particular deposits done through my person not company as it was done via my social security number, as well as documented companies that of paying me via my social security number. I asked for my account to be closed and funded my remaining balance. I have been a customer since 2006, my very first bank account as it remains a campus checking. Not only when presented with facts did she state she doesnt know what a XXXX is, she was unaware self employment could be run under a social security number. After an hour of asking for my cash balance did a supervisor come over blaming me for depositing money today and that I should of anticipated such action of said staff. I then presented official documents again along with press releases etc of companies involved in payments. Again instead of this employee understanding, as my voice was admit-tingly raising louder than I desired at this point due to the anxiety and stress of the fact I have not been in close proximity of another outside human being other than my family in almost two years involving detailed conversations, she begins to raise her voice challenging is I was XXXX as I referenced my mother, caretaker, required access to accounts in case of a hospitalization event as has happened in the past, they smirked and belted a sarcastic chuckle as at this point I demanded my account closed and made them aware of their violation of the ADA as now they require me to return again tomorrow and experience even more stress causing my XXXX  to increase drastically and my XXXX  to elevate to XXXX levels.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

XX/XX/year> I filed a complaint with the Cfpb on the company XXXX XXXX XXXX reporting inaccurately and not giving me proper due process on my credit reporting rights.The company responded on XX/XX/year> saying that they did a proper investigation report but to fix the problem and resolve the issue, they would delete the tradeline from the credit bureaus as a result! Nothing has changed on my reports and I still have inactivation being reported on my credit report.
Consumer complaint received 2021-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

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 2021-07-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (SC)

NOTICE IS HEREBY GIVEN that an action has been commenced and now pending in this court upon Complaint of the above-named Plaintiff against the above-named Defendant ( s ) for the problem is a predatory and fraudulent loan perpetrated against the XXXX XXXX ( Plaintiffs ) by Caliber Home Loans, INC. ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; ( Defendants ) including GRAND THEFT OF MONIES PREPAID IN AMOUNTS OF {$52000.00}, and {$2000.00} via cashiers check in good faith but which amounts were swindled by defendants with the use of material misrepresentations, fraudulent disclosures, and by other fraudulent and deceptive instruments used to unlawfully inflated a purported mortgage loan to astronomical and deceptive amounts inconsistent with law and the initial agreement. There is a further breach of contract issue for failure to deliver the home bargained for. I have two different HUD1 disclosures. They charged me closing cost twice. I have all the email and documents. The closing attorney provided false discloses. There several of breach of contract. The builder shorted us 66 square feet of the house that picked for the floor plan. I asked for a QWR. When I received it the company told me they could speak to me about my account. They short the loan so fast that we have two different payoff balance. They can't even produce the note. Plus, the Seller didn't pay closing cost. On the contract under financing the Seller stated Purchaser is responsible for all closing fees. The loan was {$190000.00} and added closing cost in the loan making the total {$200000.00}. Plus I was suppose to pay 3 % down because they stated We qualified for conventional loan, but they stated I had to bring over {$50000.00} XXXX dollars. I have all email and the attorney they South Carolina Consumer Affairs a different hud from closing so I glad he did that so I have two different huds. 
1 ) Predatory Lending 2 ) Fraud 3 ) Breach of Contract 4 ) FEDERAL EQUAL CREDIT OPPORTUNITY ACT 5 ) RIGHT TO CHOOSE CLOSING AGENT/ATTORNEY 6 ) FAIR CREDIT REPORTING DISCLOSURE 7 ) Right To Choose Closing Agent/ Attorney
Consumer complaint received 2021-08-10
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: Chime Financial Inc (KS)

On XX/XX/21 I realized I lost my card after searching a several times.I call my bank to notify them and ask them to lock my card because I dont have access to my phone who is connect to my online banking account. 
On XX/XX/21 after consulting my bank account, I found out a lot of unauthorized transactions has been made on my card, so I call chime back to let them know about the issue. All the total amount was XXXX XXXX 
On the same day I received a statement of dispute form who I filled out and send back by email with all the information needed including the last transaction I did with my card. 
After waiting couple days, On XX/XX/21 I received an email from chime saying my claims has been denied based on them investigations .On they next day I requests for a copies of them investigations On XXXX XXXX XXXX I received an email with a copies of the investigations. 
After looking trough, I concluded that the didnt do any investigations base on the copies of documents that was attached on them investigations. As you can see on the documents the provided, there was a lot of transactions who has been made with the same card at the same times in different stores.how than can be possible?
Consumer complaint received 2024-03-25
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: EQUIFAX, INC. (MN)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2021-08-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MD)

On XX/XX/2021 I mailed a U.S Certified Mail with a letter attached to request the validity of the debt being reported on my credit. It is now XX/XX/2021 and I have heard no response from them yet.