davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me.
Consumer complaint received 2022-03-09
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. (CA)

Company was repeatedly contacted via phone email, mail and certified contact in response to multiple accounts having been deleted by them unsolicited by myself and or creditors. 

I contacted creditors and they each stated this is an Equifax issue not the first time they have had similar issues with Equifax these merchants have requested this be readded several times in order to report accurate history yet it has not reported.

They have cost me over 100 payments years of credit age and several tradelines which is not accurate
Consumer complaint received 2018-05-01
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. (TN)

Unverified late payments listed on my XXXX XXXX Student loan - I was still in school and payments should have been deferred but the loan was sold. I was not late! I was in school!!
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party.
Consumer complaint received 2020-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (PA)

I initially signed up for the XXXX XXXX XXXX XXXX  rewards credit card for the advertised credit increase program they had. Your supposed to receive a increase to your credit line after your first 3 on time payments, however during this period comenity bank took over the XXXX  card services. I called them see if they would still honor the promotion and they stated they do not offer any of those types of promotions. The credit increase promotion was the only reason i got the card and i planned using it to build my credit. I feel this is misleading and false advertisement. In addition XXXX XXXX  has banned me from their network so i can no longer access the payment portal to make payments on this account. I would like for comenity to honor the promotion i was advertised or void the balance of this card because i can no longer access this account.
Consumer complaint received 2024-03-01
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. (GA)

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. 

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 XXXXXXXX has violated my rights. Or a list of inquiries : 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 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 2022-03-09
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. (PA)

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 TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-09
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. (PA)

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 Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-12
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. (FL)

Payment history is completely inaccurate! Loans on Forbearance from XX/XX/XXXX to XX/XX/XXXX and XXXX XXXX showing 90 days late when XX/XX/XXXX - XX/XX/XXXX are on time. Another forbearance was granted XX/XX/XXXX - XX/XX/XXXX
Consumer complaint received 2024-03-01
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. (MI)

Would you mind verifying the documents to ensure compliance with FCRA 605B, which necessitates the elimination of any inaccuracies from my credit report? It appears that some of the listed accounts are incorrect, and their presence is unsettling for me.
Consumer complaint received 2024-03-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have consistently maintained a record of timely payments on this account, never allowing them to lapse into overdue status. I'm uncertain why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be implemented.
Consumer complaint received 2018-12-13
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: Exeter Finance, LLC. (IL)

I sent out two letters to this company stating that there was an hard inquiry on my credit report and need it be removed immediately. The company wrote with the same letter twice and said that XXXX XXXX XXXX XXXX  pulled my credit. I called XXXX XXXX XXXX XXXX and ask them to get it remove but no one is willing to remove the hard inquiry. I ask them for proof of my bearing signature of me signing any type of application with this company. 

Exeter date of inquiry : XXXX, XXXX XXXX XXXX date of inquiry : XXXX, XXXX XXXX date of inquiry : XXXX, XXXX
Consumer complaint received 2022-07-08
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: Bread Financial Holdings, Inc. (AL)

Comenity bank card system is down. Credit card is being declined, no customer service, they will not answer phone. Fraudulent charges are appearing online. This has been going on for over a week, with no one to talk for help.
Consumer complaint received 2018-05-22
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. (NJ)

I have submitted numerous disputes ( online, over the phone, at least 5 times in the year of XXXX ), most recently XX/XX/XXXX ( via 609 letters ) regarding inaccurate information on my credit reports. Through these letters I have asked for proper documentation validating debts owed and have received nothing. When I've called, most recently XXXX, XXXX, and XX/XX/XXXX, to inquire about whom received this information in order to validate it, the supervisors informed me that they simply do not know and don't have access to that information. 

Under the Fair Credit Reporting Act 15 USC 1681g, I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of my requests concerning the accounts that are being reported in my credit report. While i have received a credit report stating these accounts are verified, i have YET to receive documents supporting such debt.
Consumer complaint received 2018-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I was in a position where I had to work on improving my credit score, and I got a prepaid credit card from bank of America. I was approved for a card and I quickly deposited XXXX as collateral for said card.. 

when I got the card I was told in 6-12 months I would be graduated to an unsecured card. I got this card 3 years ago still no graduation, ive asked many times since then and even Monday XXXX XXXX I spoke to a bank of America credit analyst named XXXX XXXX and she told me even though I had been a customer for 3 years I still didn't qualify for graduation ... and she cited 2 late payments one 4 days late another 3 days late from the summer of XXXX. so I assembled these numbers ... 

3 years of annual fees@XXXX interest fees interest and fees from XXXX? 

interest and fees from XXXX XXXX XXXX interest and fees from XXXX XXXX XXXX interest and fees from XXXX XXXX XXXX a total of XXXX an astronomical amount of money for a secured card. the reason they don't want to unsecure this card is because they are cheating me. and at present it is paid to XXXX  and I cant close the account because it would damage my credit profile..
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc. (GA)

The Comenity Bank is reporting a unknown amount for an alleged amount of {$480.00}. I am not aware nor was I given note of this amount. Furthermore, the company continues to reage this debt so that it remains on my credit report. The account is more than 7 years old, I have not made contact with the company since 2011.
Consumer complaint received 2020-09-12
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: EQUIFAX, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted 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 2020-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent letters to XX/XX/XXXX, and TransUnion over 60 days ago and I still haven't received any response from any of them. I feel like I am being taken advantage of and ignored on my disputes. I'm heavily stressed and I hope the CFPB can help me resolve this issue AS SOON AS POSSIBLE.
Consumer complaint received 2018-08-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Medical Management, Inc. (PA)

For multiple reasons I have concerns with this account the first is that I never received any documentation that this account was being placed for collections. 

My other concern the debt that was on my account is a result of a workplace injury. I initially disputed as soon as it was placed on my XXXX account and it was removed immediately. At the time I did not know that I was unaware that I needed to dispute with every creditor. I recently disputed with XXXX  and the company simply send back that the account is accurate and undated the months reported to have 11 months per year state No Data. I then reached out to XXXX  again and the result was the same. I called XXXX and the representative told me that " she doesn't know what XXXX  or XXXX does but XXXX  doesn't do any investigations. '' I was only able to dispute the account again. 

To date the account has not been removed from my account it is totaled at XXXX dollars and is held through XXXX XXXX.
Consumer complaint received 2017-01-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (NC)

My home loan was with XXXX, then XX/XX/2016 sold to Caliber Home Loans, then yesterday I received mail that it was sold to XXXX. I am so confused and feeling a little uneasy. I never authorized any of this and afraid of identity theft, forced foreclosures, and scams. I am not trying to sell or foreclose on my home. I need to under what is going on. Everything I have XXXX states to be cautious. It is hard for me to get a " Live '' rep on the phone with Caliber Home Loans and talk during work hours. I am frustrated and need to know how to secure my mortgage with 1 legitimate lender to avoid this situation. I would also like to know if there are any class action litigations going on concerning any of these entities for these types of business transactions involving home owners. I feel that they are trying to take our homes. Please give me some advice in the simplest of terms. I greatly appreciate it.
Consumer complaint received 2018-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

My loan was sold to Shellpoint Mortgage Servicing and they won't let me set up auto payments. They claim my payment for XX/XX/2018 was not made but it was made to the previous mortgage company on XX/XX/18. They said they have not received the funds yet. This isn't and shouldn't be my problem. I paid on time like I am supposed too. Now they won't take my XXXX payment and I might be subject to late fees if paid after the XXXX. This is predatory lending. Please tell them that this is not my problem. They need to figure out XX/XX/2018 's payment with the previous mortgage company. Not me! Thanks and hope filing this complaint helps.
Consumer complaint received 2015-03-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (KS)

Getting daily calls on my wireless phone that do not announce who is calling from XXXX. If I follow the voice prompts for English I get a dead line with no response. I called the number and got Commonwealth Financial Services. I am not aware of any outstanding debt or previous debts that were sent to a collection agency. This appears to be an attempt to get me to pay them so they will stop calling me? I requested that they stop calling me. If this is a legitimate debt I see no reason they should not contact me by mail with the details. I have not received any notices of unpaid debts or of any action by a debt collection company.
Consumer complaint received 2015-12-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (TX)

To Whom It May Concern, My mortgage loan was recently transferred to Caliber Home Loans on XXXX XXXX, 2015. I have received nothing but conflicting information since they took over from XXXX XXXX XXXX. My first experience is when I called to request a payoff. I was told it would take XXXX hours to generate but my balance was well below {$3000.00}. This was around XXXX XXXX. I secured the funds and called back to payoff my loan. I was then told I owed up to {$8000.00}. The customer service representative indicated I was given wrong information and requested another payoff. I went ahead and paid the {$3000.00} to avoid any foreclosure proceedings against me. I just checked my account online and it also indicates that I have a balance of {$5200.00} ; however the latest payoff I received shows {$2200.00}. ( Attachment enclosed ). The payoff indicates the amount to payoff my loan and release the lien ; however, I just checked the records for XXXX XXXX and the only activity has been the release of lien from XXXX XXXX XXXX. I do n't show any lien recorded from Caliber Home Loans to secure the lien on my property. 
As a result of the miscommunication and lack of a Deed of Trust, I am requesting Caliber Home Loans release my account as paid in full. I am also requesting they forward me documentation that they do indeed have a right to my property. 
Thank you, XXXX XXXX
Consumer complaint received 2022-03-09
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)

Please read attached FTC report. XXXX, XXXX, and Transunion I have called millions of times to get this issue resolved. I have a fraud alert there is NO WAY possible my credit should be able to be ran, There is 10 hard inquiries that was ran in XX/XX/2021 which NONE I have authorized please delete from my credit report. The XXXX XXXXXXXX loan delete if it wiont report accurately I have uploaded the title, XXXX XXXX has no proof of ID or anything on file, they advised anybody can get utilities on please delete that from my credit report as well, and XXXX XXXX apartments, somebody moved in my name which I have no clue on how that was done. This is becoming a headache and draining to continue to say this over and over and nothing be done about it.
Consumer complaint received 2018-08-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Bought our house in 2004 from wells fargo for XXXX was told i did not qualify for a modification my home went into foreclosure i begged and borrowed the {$20000.00} they said i needed to stop the foreclosure ( including fees ) selling my house now and i am told my payoff is XXXX????? How is this possible
Consumer complaint received 2022-07-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: M&T BANK CORPORATION (NY)

Only XXXX XXXX I received two debit cards in my name to my home address which I didnt open myself. I went to the bank and see and it turned out to be a result of someone taking my SSN, address, birthday, and all other personal information. I filed a police report XX/XX/2022 and also submitted an Identity Theft Victims Complaint to the company. The company has since closed both of those accounts but I received a notification today on my security apart app that they were seeking more information about me today online.
Consumer complaint received 2022-03-09
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)

To Whom it may concern, I recently challenged the validity of AD XXXXXXXX XXXX XXXX  Account # XXXX, AR XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX ( Collection ) account thats being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true, I am requesting the information you used to verify this account in writing. If such documents can not be produced, please DELETE this account from my credit report immediately.