davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-27
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. (NJ)

As a consumer of the United States, I sent Trans Union a formal complaint about inaccurate and fraudulent information on my credit report that does not belong to me. I specifically listed their failure to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish. I also informed them that it is their responsibility to report only 100 % accurate information. I asked for a reinvestigation on 6 accounts. According to the FCRA, section 609 ( A ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. I demanded to see verifiable proof ( original consumer contract with my signature ) for the accounts listed below. I also let them know that I have been hindered in obtaining credit because of these inaccurate fraudulent accounts and under the FCRA, the accounts must be removed. Accounts to be removed immediately. XXXX XXXX XXXX, XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX, XXXX XXXX : XXXX .They have not complied with the law or furnished any documentation with my signature as proof that these items belong to me. Delete this negative information from my consumer report.
Consumer complaint received 2021-05-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My complaint is that the account is reported as {$0.00} past due however they have failed to removal of this debt and it is hurting me and my ability to finance a new home. I have specifically requested the final account statement and automized statement showing the credit card was completely paid off and paid in full. They have been reporting this inaccurately and have not removed this file hurting my credit scores and the financing of my new home.
Consumer complaint received 2022-03-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: BMO Bank, N.A. (IL)

This is actually a recurrence/continuation of Complaint IDs XXXX and XXXX. For some reason, BMO Harris has the number for my work landline ( which is a corporate phone number not in any way associated with a particular individual ). BMO Harris has repeated called this corporate land line number trying to collect debt erroneously associated with it. After the first 2 CFPB complaints, it appears BMO Harris sold the debt to other collectors, who now associate the debt with this phone number. 

I have repeatedly attempted to contact the phone number in the complaint response for Complaint ID XXXX ( XXXX, XXXX XXXX XXXX with no answer or response.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I was told that once I paid the settled amount for this account that it would be deleted from my credit report. I have paid this account off. Also, they are reporting inaccurate information on my credit report because the date of last activity is not reporting correctly from all three bureaus. According to 15 U.S.C. Section 1681, these companies have violated my rights. 

XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-07-25
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: Consumer Portfolio Services, Inc. (LA)

CPS, INC aka Consumer Portfolio Services , Inc. placed inquiries on my XXXX and XXXX credit reports on XX/XX/XXXX and XX/XX/XXXX. According to their telephone attendant, they are a debt collection company. However, I learned they are also a auto lending company. I did not apply for credit with CPS, nor did I apply for a loan with them. They did not have my permission to run credit checks.
Consumer complaint received 2021-12-16
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: Progrexion Holdings, Inc. (NC)

Two Credit.com credit pulls on my credit report on XX/XX/2021. I have not talked to them or interacted with them in any manner. They did NOT have consent to pull my credit.
Consumer complaint received 2021-12-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Happy Money, Inc. (GA)

I applied for a personal loan with the consent of my wife, for whom I have a valid power of attorney conferring the power to enter into promissory notes. Payoff refused to speak with me about the account, including refusing my offer to provide the power of attorney.
Consumer complaint received 2021-12-16
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. (TN)

Please remove these items off my report I have disputed these items a couple of times it has been on my credit quite a while please look into this matter it has not been verifying
Consumer complaint received 2020-12-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HYUNDAI CAPITAL AMERICA (AZ)

I disputed this collection with XXXX after not agreeing to information on credit report. Now I have a missed payment on my credit report reporting from closed collection that has been charged off. This is not right and should be removed from my credit report
Consumer complaint received 2021-12-16
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. (TN)

Please remove these items off my report I have disputed these items a couple of times it has been on my credit quite a while please look into this matter it has not been verifying
Consumer complaint received 2023-07-25
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: JPMORGAN CHASE & CO. (PA)

someone opened a credit card account using my social security number I am a victim of identity theft and would like a full investigation on my credit report and the accounts to be removed and corrected as well as my credit report send to me. the name of the inquiry is truist bank and XXXX XXXX XXXX  ( Bank )
Consumer complaint received 2021-12-16
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (TX)

I had a XXXX lease for XXXX XXXX XXXX. I opted to do a lease buy-out approximately 2 months before the lease end date, with date of sale recorded on title by Ally Financial as XX/XX/XXXX ( for purposes of assignment of title to me, as the new owner ). 

The lease was through Ally Financial. 

The buy-out was financed through my new financial institution, XXXX XXXX XXXX XXXX XXXX who are the current lienholders. 

Ally Financial was very slow in getting me any of the documentation I needed for the refinancing through XXXX. I had to make several calls to Ally, and got transferred numerous times to make it clear that I needed the documentation for XXXX. 

On XX/XX/XXXX, I made contact with an Ally Financial person who could provide the documentation to release the title ( was sent by email after I hunted it down ). I promptly filled everything out, and sent across successfully to Ally Financial on XX/XX/XXXX. This included the Bill of Sale, and the Odometer statement. On the odometer statement, I recorded the actual on the day, which was XXXX miles. 

I received from XXXX the physical title for my vehicle ( with the previous owner 's and lienholder information ) around XX/XX/XXXX. 

The physical title has a glaring error for the odometer : XXXX miles, which was provided by Ally Financial. The first time I saw this error was after XXXX had received the title from Ally, and it got sent to me. 

I have tried to no avail to correct this with Ally Financial, but was told by them that it was my fault and they gave me the runaround. THEY ARE LYING. XXXX can not help in this matter. It's up to Ally Financial. I believe that XXXX, XXXX was the capped mileage per my previous XXXX contract, and they just lazily wrote that in. They apparently ignored the odometer statement that I dutifully provided them. Now, my car 's value has lost several thousand dollars in today 's market because Ally Financial willfully put the wrong information on my physical title. They were also delayed in providing XXXX with documentation that I needed to file at my local DMV. I went to the DMV today ( XX/XX/XXXX - first appointment I could get over the past few weeks ), and was told that I needed to pay fines in excess of {$100.00} because of the time lapsed between the Date of Sale ( XXXX ) and filing.. My DMVXXXX  XXXX XXXX XXXX only allows 30 days to lapse. This is was all out of my control, and not fair. I have tried to petition XXXX to help me, but they are not able, and say it's all Ally 's issues, and take it up with them. I am unable to resolve with Ally.
Consumer complaint received 2019-06-28
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. (MO)

I have disputed the late payment status reported on the accounts XXXX XXXX XXXX, XXXX XXXX, with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not reverse the late payments. I was not late on the month it shows on the report, I have receipts to prove this. CFPB please step up and fix this ASAP please
Consumer complaint received 2023-08-20
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. (NC)

Between the Months of XX/XX/XXXX- XX/XX/XXXX I have tried multiple times to get Dep of EdXXXX to remove student loans from my account. The student loans are now CURRENT and OPEN
Consumer complaint received 2021-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XXXX I deposited my XXXX XXXX XXXX XXXX Pay check in person at local branch near the location I had been work at that day. When the deposit was done I received a receipt of the transaction then ask for estimate availability to my pay check. The response was tomorrow. To my surprise the follow day I woke up to a notification stating the my paycheck had been place on a ridiculous extend hold of the full amount to the XXXX. I have yet to speak to anyone who will help me. I am being told there is nothing that can be done after that hold is place on the check. No one can release it, and it done to insure the check does not bounce. I work for a government funded entity, I cant understand when has a XXXX XXXX XXXX XXXXXXXX XXXX pay check ever bounce. All 3 calls was with there customer service line with no resolution. I have been charge multiple over draft fee to automated payment I could not change, expecting my hard earn money to be in my account to cover my bills. I been force to use credit cards to get by, beside incur penalty due to the rejection of my automatic payments. This isn't the first XXXX XXXX XXXX XXXXXXXX pay check I deposited and never have dealt with such egregious treatment from a bank. The check was for {$2000.00} dollar which is well below the regulation that governor {$5000.00} and above. My account has been open for 10 or more year so new account regulation wouldn't pertain.
Consumer complaint received 2021-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (TN)

I had a mobile bank account w/ Simple. BBVA, who owns Simple, shut down Simple and planned on converting Simple customers to plain BBVA customers. This was a manual process that was requested of us ( the customers ) on XX/XX/XXXX the Saturday before XXXX XXXX XXXX. The process failed for me. I received multiple errors during the process, I am now completely locked out from viewing my account balances. 

I have received no update from the company on how to address the problem. I have been trying to call their customer services line 3 days straight now, and every single time the phone disconnects. I have yet to speak with anyone about this issue.
Consumer complaint received 2021-12-16
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. (CA)

I tried to set up auto pay several times prior to XXXX in XX/XX/XXXX, Auto pay was not working and I was under the impression that the autopay was working. When I discovered the situation I paid the account back to current. Tried to set up autopay and it still did not work. I spoke with a representative on XX/XX/XXXX about the 90 day delinquent status on my credit report and was told they did not credit department for me to speak to someone directly and that I would have to file a dispute with the credit reporting service.
Consumer complaint received 2021-12-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (TX)

I have been going back and forth with XXXX XXXX representing XXXX XXXX regarding an unverified account. She has refused to accept my FTC Report and has refused to provide validating information for me to further research the matter. 

She continues to intimidate me and threatened me with lawsuit. 

I want this matter resolved
Consumer complaint received 2021-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MI)

On XX/XX/XXXX there were three fraud charges made on my business debit card. I reached out to my Wells Fargo and they denied my claim immediately. I dont think they spent time reviewing my claim because I wasnt there and had not used the debit card. The amounts were XXXX, XXXX, XXXX for a total of XXXX. I was also charged overdraft fees {$35.00} ( two overdraft fees total ). I live about 35-40 miles from the area and have never been to these places before. I have attached the information that I will be sending to Wells Fargo to this claim. I had been in XXXX Michigan, where I live, for days leading up to and after the fraud charges. I have receipts and transactions showing I was in my area leading up to and on the days of the transactions. I have a copy of my registration to the vehicle that I drive. Thank you for your time.
Consumer complaint received 2022-10-12
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$46000.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. 

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 2021-08-27
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: EQUIFAX, INC. (CA)

I previously mailed the attached letter below on XX/XX/15 and have yet to see any changes made to my credit file. Please review the attached letter I am providing which is pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft.
Consumer complaint received 2022-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (NJ)

I have had an account with Credit Karma for about 3 years now and never had problem with the spend account/ till recently. This past XXXX my wallet and personal information was stolen from my bookbag, cause someone to have access to my accounts and information. My spend account was one of them to be hit and used for hotel transaction not one but many transactions. Credit karma has credited me back for the charges until recently after the last couple came of pending, I went to report, and everything went great till they locked my account. 



with no explanation or reasoning, if just guessed it was because of the hotel charges. so, I gave the pay stub as well statements from hotels saying they going to reimbursed some of the charges because they notice the mishap and that I had no fault. 

Well, it's been two weeks and credit Karama has not relapsed my funds... even when proper documents were given. no one has given me any reasoning. I called multiple times and only been hanged up on... I asked to speak to a manger or the dept whose working on my case and no answer or mi on hold for 3 hours. 



I called XXXX XXXX and all they cont. to do is transfer me to credit Karama.. I have medical problems taht need to be watched over. I needed my funds to get medication and as well supplies for my home and still can't gather any of it because my money is all tired up in this account, I been in the hospital twice due to me not taking my medication which can cause me to have XXXX failure and I mention this to Credit karma and nothing... I am highly upset and angry that they are putting my life sat risks like this
Consumer complaint received 2022-03-28
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. (MD)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-05-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (WA)

Hello, The refinance was scheduled for XX/XX/XXXX. On that day I found that my is on the tile of the house. 
I called XX/XX/XXXX, XXXX, XXXX, XXXX. I got a call on XX/XX/XXXX that the paperwork would be corrected. 
At this time I was to get back {$1600.00}, my old escrow was at {$2800.00} and I miss one payment. 

On XX/XX/XXXX I got a call that the paperwork would be corrected. 

I then called XX/XX/XXXX, XXXX, XXXX. On XX/XX/XXXX I received and email to reschedule the close. 

It was set for XX/XX/XXXX. 

I get a call an hour before the close that it needs to be rescheduled because I owe money at close. But could not provide any information at that time. 

XX/XX/XXXX I got a call that they would get the paperwork fixed. 
Second call of the day was that I would get back {$1000.00} at close. And miss XXXX payment. No mention of my old escrow. 
Close was set for XX/XX/XXXX. 

XX/XX/XXXX I found out that the taxes were paid from the old escrow. And called to get the taxes stopped from paying under the new escrow. 
I was advised that I get call by XX/XX/XXXX. 

XX/XX/XXXX per the title company the taxes were going to be paid. I called again to get them stopped. I was promised a return call. I AM STILL WAITING. 

Per the title I am to get back {$980.00}. I have yet to receive the money. 

I called on XX/XX/XXXX because the taxes were paid twice. Where is my {$1000.00} from close and where is my {$1000.00} from my old escrow. 

I was advised that the title company is trying to get back my {$1800.00} in taxes. 

Today I found out that they took my escrow and applied to the payoff balance of the old loan. And since it is now short to pay off. They are keeping my {$1000.00} over payment And not refunding the escrow account. This includes that they will not refund the over payment of taxes.
Consumer complaint received 2021-04-19
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: EQUIFAX, INC. (AL)

At different times each of the 3 credit bureaus will lower my credit score by approx. 50 points. When I review the information change the changes are positive. i.e. paid credit cards to {$0.00} etc. I understand when my credit score goes down due to adverse information but can not accept the the fact that two credit score will go up 47 ( XXXX  ) points 49 points ( XXXX  ) on new information and another one will go down 40 ( Equifax ) points at the same time on the same information, it is almost like the agencies do not want to have my scores improve past 700. I have worked tirelessly for 3 years and feel I am being treated unfairly