davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (NC)

I have contacted this company today trying to locate these so called debts. 

Credit Collection Services : Acct # XXXX {$170.00} Acct # XXXX {$280.00} Acct # XXXX {$88.00} Acct # XXXX {$300.00} XXXX gave the representative my full name, address, and social security number, telephone number, former address and she still could not find any collection accounts in my name. But this company has listed all four of these collections on my credit report! Please investigate this and have them to remove this at once!
Consumer complaint received 2019-11-21
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Global Financial Mortgage, LLC. (TN)

Closed on home on Friday XX/XX/2019. Company had representative to contact me about the fee that the mortgage company removed from the contract in order for me to buy the home. We agreed for me to pay back XXXX. However, I couldn't do it in the 24 hours that they asked for after closing. I communicated that they would be paid once me and my wife got the money. We were harrassed with calls and a message on social media. 

I then received a call from a local blogger in which I didn't answer the call on Tuesday, XX/XX/XXXX. The blogger got my info from the company. They posted my phone number online. 

Additionally, I did pay the money back on Tuesday, XX/XX/XXXX via XXXX. They then responded by saying that they didn't agree to the amount of {$1000.00}. They told me that I had 24 hours to pay the {$1000.00}. After that, they would get a promissory note for me to sign for another {$1000.00}. 

I do have the message that proves that I was only supposed to pay back {$1000.00} and not the {$3000.00}.
Consumer complaint received 2017-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

requested transunion unauthorized inquries remove and transunion customer services refused to dispute and remove. 
unauthorized creditor : 1. XXXX 2. XXXX 2 times
Consumer complaint received 2021-10-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (AZ)

Had a wire transfer to XXXX XXXX XXXX XXXX from Chase bank that was to be forwarded to The XXXX XXXX XXXX XXXX XXXX XXXX. The transaction was rejected and sent back to Chase bank and they are telling me that they never got the money and the credit union is telling me its already been returned the same day which was XX/XX/2021 It was {$110000.00} to our employees credit union account in Connecticut from Arizona chase bank account Are they going to keep my money or can I get my money back its missing?
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently purchased a 2nd home and after purchasing a home, I started using my credit card late XXXX, 2019. Naturally, my credit balance on my credit cards went up. However, I was looking at my credit report and noticed that my credit score with Trans Union went from XXXX to XXXX then XXXX. 

I would like to file a formal complaint because, first, I have not even received my credit card or mortgage bill from those purchases and my credit score lowered by 30 points? Second, whenever I have debts on my credit cards, I pay them off in full as soon as I get the statements. 

I think that is unfair to customers who make sure to protect their credit scores to have 30points less on my score for purchases I made without any bill to pay. What is the point of having a credit card if that will affect my credit score whether I pay it off right away or not. This is so upsetting and unfair practice.
Consumer complaint received 2022-05-18
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. (TX)

I am a victim of Identity Theft and I am submitting this complaint regarding the fraudulent information I found in my reports. The following items are not affiliated with me nor I received any money, goods, or services as a result of identity theft or they authorized by me. The XXXX, Experian, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$720.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$2800.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; US SM BUS ADMIN ODA XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2019-07-25
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. (SC)

THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER. THOSE ACCOUNTS ARE REPORTING AS DEROGATORY AND DELINQUENT ; IT IS CAUSING SERIOUS DAMAGE TO MY CREDIT FILE AND I WOULD LIKE THOSE ACCOUNTS REMOVED.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I am sending this complaint to inform you that I was a victim of Identity Theft. I have recently checked my credit report and I noticed some personal information that does not belong to me. I am in need of your help in getting rid of these items from reporting on my file. Per FCRA section 605b, the credit bureau deletes any ITEMS listed in an identity theft report. I have included some documents to help in the blocking of the fraudulent items that are found on my report. 
XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX  XXXX, OH ; XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2022-05-16
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. (NC)

I have contacted this company, " XXXX XXXX XXXX '' and today trying to locate these so called debts. 

XXXX XXXX XXXX : Acct # XXXX {$170.00} Acct # XXXX {$280.00} Acct # XXXX {$88.00} Acct # XXXX {$300.00} XXXX gave the representative my full name, address, and social security number, telephone number, former address and she still could not find any collection accounts in my name. But this company has listed all four of these collections on my credit report! Please investigate this and have them to remove this at once! 

Experian XXXX and XXXX are reporting this inaccurate information on my report. I disputed this information last month and they claimed to have verified this but how could they have verified information that the Collection company cant even verify? They lied, they NEVER investigated they just sent me a letter sitting that it was verified.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am sending this complaint to inform you that I was a victim of Identity Theft. I have recently checked my credit report and I noticed some personal information that does not belong to me. I am in need of your help in getting rid of these items from reporting on my file. Per FCRA section 605b, the credit bureau deletes any ITEMS listed in an identity theft report. I have included some documents to help in the blocking of the fraudulent items that are found on my report. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/2022 ; XXXX XXXX  XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX  XXXX XX/XX/2022
Consumer complaint received 2022-10-13
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. (TX)

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.
Consumer complaint received 2022-05-16
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # 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 Account # 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 a account without my written instructions.
Consumer complaint received 2021-10-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2019-07-25
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: CITIBANK, N.A. (CO)

On XX/XX/2019 at XXXX I requested a credit line increase from CITI on my credit card ending in XXXX. At the time of the request it stated " We will not obtain a credit bureau report to your request. XX/XX/2019 XXXX I received a email from credit karma telling a hard inquiry was just pulled on Equifax . I looked at my Equifax credit report and it showed Citi had pulled my credit report without my permission. I called Citi XX/XX/2019 at XXXX spoke to XXXX who said they wouldn't do that. I asked to speak with a supervisor, was told one wasn't available and I would get a call back. I never did receive a call back. Citi has no right to pull my credit report without my permission and I never gave them permission.
Consumer complaint received 2022-05-18
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. (MA)

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX XXXX  account # XXXX, and XXXX # XXXX. 

15 U.S. Code 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.
Consumer complaint received 2022-03-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (PA)

Was paid in full on XX/XX/2017 by insurance company and title was sent to insurance company. Ally financial continued to report unpaid debt and false reporting to credit bureaus. Continues to be on my credit report as unpaid debt/charge off which is incorrect and should show paid in full.
Consumer complaint received 2019-11-21
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. (CA)

About 10 months ago I, XXXX XXXX XXXX, XXXX, filed a dispute regarding a fraudulent account that was placed on my credit file by a certain creditor regarding a car loan. I contacted an Experian representative named XXXX XXXX in the Special Handling Dept for Experian to dispute this account. This dispute resulted in the account being deleted from my credit. 

On XX/XX/2019, I XXXX XXXX XXXX, XXXX, received an alert via email from Experian stating that a dispute was opened on that day that did not authorize. That same day, the dispute was closed 2 hours later and the previously deleted fraudulent account was added back to my credit file. I have called several times seeking to speak to a supervisor in that department but was unsuccessful. Experian violated my Fair Credit Reporting Act rights and I am seeking to file a civil suit against this credit reporting agency for their unfair credit practices.
Consumer complaint received 2022-05-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (FL)

In an effort to save our home from foreclosure, we reached out to the bank to ask for assistance and or relief with our mortgage according to the Federal and State laws and HAF. They provided us with a plan with a Higher Mortgage amount and increases monthly payment instead of complying with the Federally mandated Covid laws to assist homeowners and avoid the foreclosure process resulting from Covid related causes.
Consumer complaint received 2017-03-22
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO. (TN)

I contacted chase card in hopes of verification of a credit card application and they stated they could not send me the documentation I needed to verify the account. I do not take ownership of the card that was open or closed, on the same day, nor was it used. I want to verify the validity of the hard inquiry they are reporting to the credit bureaus. Instead of them sending me the information or providing me with the application that they claimed I submitted they told me I can write a letter to them or have my attorney send subpoena for the information. Is the the correct process when a person, who is concerned about fraud is trying to verify an account on their credit?
Consumer complaint received 2022-10-13
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX A ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : UXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX  XX/XX/2022
Consumer complaint received 2021-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

I filed a dispute regarding incorrect items on my credit report, it has been well over 30days. and I have yet to receive any investigation results!
Consumer complaint received 2021-10-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: World Omni Financial Corp. (FL)

Today XX/XX/XXXX I received a letter from Southeast Toyota Finance where I have an account I nver been late, even so this last XXXX I did three aditional payments into my account after several intents, emails to contact them I thought that everythig was clearly explained, but today I received a letter from Southeast Toyota Finance trying to collect debt of {$250.00} bill that I alreay paid in fact they charged me {$40.00} latest fees that they told me that will be refunded but they are not plus, they are treating me to collect this debt or they will report it into my credit report. 

As I said before on my complaints, Southeast Toyota Finance is just lying not only about me if not about thousand of people, in the same situation that me. 
They are trying to add as must lates fees as they can, and misslending people accounts in their own benefits. 

Problably the best thing we can do is to sue Southeast Toyota Finance in court for all damages they in doing.
Consumer complaint received 2021-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (OR)

Freedom Mortgage just acquired my mortgage from a different servicer. It hasn't even been a month. But i received a letter from them that I do not have Hazard insurance ( which i do ), therefore they purchased it for me and it will cost significantly more. 
The previous mortgage company should have the insurance on file and, since they purchased my mortgage, they should have received it. But if they didn't they must give notice for me to provide the insurance before they go ahead and purchase it. 
This seems like a scam and I would bet they are doing to many more people, probably putting people in financial trouble with this unexpected cost.
Consumer complaint received 2024-02-16
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. (NY)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-16
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

Dear Consumer Financial Protection, I had made a complaint prior to you about XXXX  XXXX XXXX. They encouraged me every three months to do a forbearance when I lost my job because of Covid. XXXX reassured me I would not lose my home. I trusted them and I did. After the forbearance period was over, I went through months of sending paperwork over and over and them asking for the same paperwork that I sent over and over. I was getting phone calls saying I was going into foreclosure because I did not qualify for any of their programs and could not get an answer why? After they received complaints from your company they sold my loan to Carrington mortgage. I was contacted from Carrington mortgage stating my loan had been bought out by XXXX XXXX XXXX. I never received any notices from XXXX  XXXX XXXX stating they sold my loan. When they sold my loan my credit score went down XXXX points and they reported that I was late while I was in the loan modification. I have worked so hard in my life to build up my credit score it was EXCELLENT now it is fair. I have tried to contact them several times about this issue with no call back.I justed looked at my credit report today XX/XX/XXXX, and now XXXX XXXX  also reported I was 120 Days late?? The loan was bought out XX/XX/XXXX. I was told 3 times when I called to check on the ststus, it will take 30-60 days to update your loan. I still have not receives anything through the mail on by phone. I have been trying to work out this loan since XX/XX/XXXX. 
Thank you nfor you help, XXXX XXXX
Consumer complaint received 2019-11-21
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: LEXISNEXIS (FL)

I am a victim of identity theft. I dont have any bank accounts and Ive been out of the country for years. The only car loan Ive ever had was from XXXX. THE ONLY ADDRESS IVE EVER HAD WAS XXXX XXXX XXXX XXXX  XXXX XXXX Florida XXXX. The only company I have ever worked for and are presently working for is XXXX XXXX. The only telephone number I have is XXXX. Its been over two months and each company is in violation of my rights. If what I requested is not removed I will take matters up in a civil suit.
Consumer complaint received 2017-06-28
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: EQUIFAX, INC. (CA)

I have tried to obtain a copy of my free annual credit report. Equifax is refusing to send me a copy. I ordered it 6 month ago and have not received it.