davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TRUIST FINANCIAL CORPORATION (CO)

In 2019 I Co-signed on an auto loan for a vehicle with an ex boyfriend and assisted him with a {$2500.00} down payment. He has missed payments over the past several months and this has significantly dropped my credit score. I attempted to reach out to him via email to request that he refinance and take me off the loan. He has not responded. I also had a mediator reach out to him with no response. The terms with which we ended the relationship were dangerous and I am a single parent so I do not feel safe confronting him in person. He was removed from our home on a XXXX XXXX XXXX by law enforcement for XXXX XXXX XXXX XXXX. At the time I did not think to take the car even though my name is on it. I have contacted a lawyer about this issue and she recommended reaching out to the lender to assist with this because there is not much that can be done legally. I have attempted to call Truist Bank multiple times to request to speak with someone and I have not gotten a response.
Consumer complaint received 2017-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This morning I checked my credit report with XXXX and XXXX XXXX XXXX is still showing on my credit report. They show a balance of {$11000.00} and this is old information dating back to XXXX. I see that the account # they use is XXXX. And the date they reported was XX/XX/XXXX. 
The date is wrong for when the vehicle was purchased and the car was wrecked totally and was not able to be salvaged. GAP insurance paid XXXX along time ago ; so all information is incorrect.
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (LA)

On XXXX XXXX i noticed Barclay Bank Deleware, XXXX XXXX & XXXX  posted a negative closed account I did not consent to. They have committed fraud and several violations of the FCRA. It has been over a month now and this false account is still on my report despite my efforts. Barclay Bank Deleware, XXXX XXXX XXXX XXXX  has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me. Fact, the Fair Credit Reporting Act, 15 USC 1681, is intended to secure my right to privacy and protect my public reputation that is directly correlated to and linked with my Consumer credit report. Fact, Barclay Bank Deleware, XXXX XXXX XXXX XXXX  has damaged my reputation by furnishing fraudulent, negative information onto my credit profile, violating 15 USC 1681 and 15 USC 1692. Fact, by furnishing this fraudulent information Barclay Bank Deleware, XXXX XXXX XXXX XXXX in violation of 15 USC 1692 and 15 USC 1681. Fact, I never gave Barclay Bank Deleware, XXXX XXXX XXXX XXXX  permission to furnish this information. Fact, I never gave consent for Portfolio recovery to obtain and store my private information and they have unlawfully obtained my information in violation of 15 USC 1692. Once again, Barclay Bank Deleware, XXXX XXXX XXXX XXXX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Consumer complaint received 2021-05-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2017-08-25
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Onity Group Inc. (SC)

To Whom it May Concern : Correspondence sent to Ocwen as there was an outstanding judgment associated with case # XXXX. The judgment was confirmed satisfied by Ocwen on XXXX/XXXX/XXXX in writing ( attached ). A corrected XXXX was received but the satisfaction of judgment has not been filed which is preventing the refinancing on XXXX XXXX 's residence. 

This matter has been ongoing for 3 months and has been escalated several time. Ocwen has failed to satisfy the judgment as promised thereby continuing to impact XXXX XXXX 's credit and ability to refinance.
Consumer complaint received 2022-01-28
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. (FL)

I have sent Credit reporting Agency Equifax multiple letters regarding alleged loans on my credit report, and asked them to do an investigation on alleged loan accounts. In response I would get letters from them saying accounts were verified through e-oscar with no proof, but computer generated responses. They did not do a thorough investigation. 

Also, these reports appear to have been generated by the same lender so why is the data reporting inaccurate? As the governing credit bureau it is their responsibility to report consistent and most importantly accurate information. Equifax the governing bureau have failed to report correct data for other lenders/potential lenders to view and determine me as credit worthy. Information on accounts are different from other credit reporting agencies.
Consumer complaint received 2018-12-04
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)

The account XXXX XXXX XXXX XXXX  XXXX wasn't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested the credit bureaus to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account
Consumer complaint received 2017-08-25
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: Santander Consumer USA Holdings Inc. (TX)

This morning I checked my credit report with XXXX and Santander Consumer USA is still showing on my credit report. They show a balance of {$11000.00} and this is old information dating back toXX/XX/XXXX. I see that the account # they use is XXXX. And the date they reported was XXXX. 
The date is wrong for when the vehicle was purchased and the car was wrecked totally and was not able to be salvaged. GAP insurance paid Santander along time ago ; so all information is incorrect.
Consumer complaint received 2022-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to fix 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 : US SM BUS ADMIN ODA XX/XX/2020 XXXX XXXXXX/XX/2020 XXXX XX/XX/2020
Consumer complaint received 2022-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (NC)

While incarcerated I did 9 months in prison my unemployment money was coming into my debit card every month and a man named XXXX XXXX stole all my possessions while In there in including my debit card and stole almost XXXX from me and I dispute it and they denied my first dispute even though I provide documents stating I was in prison.
Consumer complaint received 2017-08-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NJ)

I am a licensed real estate agent working with a borrower to accomplish a short sale. Bayview Loan Servicing is refusing to assist the borrowers because they stated they do not have enough time  according to CFPB rules. Bayview received the short sale file on XX/XX/XXXX when the borrowers had a foreclosure sale date on XX/XX/XXXX. The borrowers were able to get the judge to grant additional time until XX/XX/XXXX so Bayview could review the borrowers for a short sale but they still continue to refuse based on the CFPB rules. My understanding is that once the file is submitted, the lender should have at least 37 to 30 days to review in which Bayview has this time. In addition, Bayview informed me that the net proceeds need to be $ XXXX in which the net proceeds exceed the amount at $ XXXX. Bayview is using the CFPB guidelines as an excuse to not assist this homeowner avoid foreclosure. NJ is a judiciary state.
Consumer complaint received 2022-01-28
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. (NJ)

As a consumer i have expressed my rights under US Code 15 1681b and your company has either ignored or continued to violate my rights! this is my last attempt to give you a chance to delete these accounts, or I will send my invoice and I my lawyer will take legal action ASAP!
Consumer complaint received 2018-12-04
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. (CA)

The account XXXX XXXX XXXX XXXX  XXXX wasn't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested the credit bureaus to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account
Consumer complaint received 2017-08-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retail Merchants Associates (LA)

On XX/XX/XXXX a collection was placed ony account by retail merchants association with a debt of {$940.00} they stated I owed to the city of XXXX XXXX XXXX. I spoke with XXXX today XX/XX/XXXX to see why because at the time when this occured I was a minor and I had insurance. She stated XX/XX/XXXX is when they sent the collection to the agency not when the XXXX ride occured. She stated I filled out information in the XXXX back then which I informed her I could n't have I was a minor. She stated my mother must 've filled it out wrong but my mother never came to the hospital and I never did see a doctor. So she said " if I would 've answered the phone back then they could 've helped me ''. I told her I was a minor and no one answers strange numbers. I told her I do remember telling a representative I was in school during a call an she stated " you remember that from five years ago you must have some good memory ''. She kept stating what I should 've done but I told her I was a minor and she stated you kept hanging up you should 've talked to us. She refused to listen to what I had to say. No paper work was ever filled out.
Consumer complaint received 2022-04-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have recently attempted to correct information the Transunion credit reporting bureau has on file against my name. I have tried many times, yet seem to not make any progress, I even called and was told that Transunion is not responsible for the correct information and that the credit companies can call on my information as they see fit needing nothing but an Authorized reason. 
I sent certified letters to Transunion asking for them to launch an investigation, the most recent on XXXX XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). again they reported that the information is correct, but did not provide any details of an investigation. 
I would like for Transunion credit reporting to correct their file on me and remove the information that is not correct.
Consumer complaint received 2021-05-18
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. (CA)

I have 4 student loans with XXXX. XXXX is incorrectly reporting that my student loans were 150 days late twice, back in XXXX, and XXXX. My student loans were never late. I have contacted XXXX and wrote letters regrading the issue and they have yet to remove the 2 late payments from XXXX and XXXX. Also under 15 U.S Code 1681b Permissible Purposes of Consumer Reports I never gave XXXX written consent to report these accounts. As a consumer these accounts must be deleted immediately, or i will seek monetary damages in small claims court in my city and sate. 
Under 15 U.S Code 1681b Permissible purposes of consumer reports i never gave XXXX any written consent to report anything on my consumer report and no consent is IDENTITY THEFT.
Consumer complaint received 2022-01-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (CO)

Hello, I am providing a written statement along with additional documents such as a police report to support my claim and request to reopen the claim. 
I am a victim of a scam. On XX/XX/2021 I purchased a blue sectional sofa for the agreed upon amount of {$110.00} and never received the sofa! The payment was sent to the person selling the sofa on XX/XX/2021 and the sofa was to be delivered to me that night or the following morning on the XXXX of XXXX. I then set up arrangements with my current rental sofa to be returned to their warehouse once I got the sofa from the seller. This can also be verified with my rental furniture company. Shortly after paying for the item the person who sold it to me has since removed the listing for the sofa, blocked me on XXXX. They also stopped responding to me that night on the XXXX of XXXX and I have not heard back from them since. They also changed the name on their account where the payment was sent to, in an attempt to cover up their scam. I have reported them to XXXX and XXXX. I requested the funds back from them because I did not receive the sofa and they never gave it back, proving they were scamming me. I have since filed a police report with my local police department that you may call and verify and I have attached the copy to this email. I am truly a victim of this scam and it pains me as this money was taken from me days before XXXX and I could not purchase presents for any of my family members. Not only was I scammed, disappointed for not receiving the item and left with no money for XXXX presents I am also facing this difficult battle to obtain my money back from my bank, Chime. It further saddens me to have my claim denied from Chime when I should be expecting the most support from especially when the amount is as little as {$110.00} that should be returned to me as Chime is backed by FDIC. I am now behind on multiple bills and desperately need this claim to be approved as it will help me greatly and return my faith in Chime. Please please return this money to me. Thank you very much. 

Attached to this email please find the police report, please email me if there is anything else needed from me. 

God bless. 

Chime denied the dispute
Consumer complaint received 2021-05-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (PA)

Paypal transaction Amount. XXXX Product I purchased XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX Company sent a XXXX ornament instead of compost bin Sent from. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. NJ. XXXX I believe the. Website was fake from a XXXX search and I. Click on the fake Website PayPal link or icon and made the transaction.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lennar Financial Services, LLC (TX)

Hi Im trying to get this late payment that is reporting on my credit from you all off my report I have made the payment Monday XX/XX/2023in the full amount owed That I was unaware of owing When I purchase my home XX/XX/2023 I was under the impression I had to pay Lennar So when I got close to the date to make the payment I reached out to XXXX XXXX My loan officer Because I started to receive emails from XXXX XXXX And was told my loan was sold XXXX and I have emails going back and forth about who I make my first payment to I will attach the email below, can you please take this off my credit it is harming my score tremendously, when I was misinformed information this is my first home purchase
Consumer complaint received 2019-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Trans Union is reporting an inaccurate listing of Chapter XXXX Bankruptcy on my credit report. Furthermore, I reached out to the Indiana Bankruptcy court and they provided me documentation that they do not give any third party 's or companies information, and they don't report bankruptcies to any credit bureau. They refuse to remove this inaccurate information or provide the verification method.
Consumer complaint received 2022-09-28
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. (GA)

This is XXXX XXXX submitting this CFPB Complaint requesting that the Credit Bureaus remove the disputed fraud items from my Credit File. It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove any accounts and information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the Following items from my Credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX OF XXXX XXXX Balance : {$7200.00} XXXX OF XXXX XXXX Balance : {$3100.00} XXXX OF XXXX XXXX Balance : {$10000.00} XXXX  OF XXXX XXXX Balance : {$6800.00} XXXX  OF XXXX XXXX Balance : {$8100.00} XXXX  OF XXXX XXXX Balance : {$3300.00} XXXX  OF XXXX XXXX Balance : {$9400.00} XXXX  OF XXXX XXXX Balance : {$7100.00} XXXX  OF XXXX XXXX Balance : {$460.00} XXXX  OF XXXX XXXX Balance : {$3900.00} XXXX  OF XXXX XXXX Balance : {$1600.00} XXXX  OF XXXX XXXX Balance : {$5600.00} XXXX  OF XXXX XXXX Balance : {$8300.00} XXXX  OF XXXX XXXX Balance : {$6700.00} XXXX  OF XXXX XXXX Balance : {$1500.00} ( Original Creditor : ) XXXX Balance : {$390.00} ( Original Creditor : ) XXXX Balance : {$280.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX AUTO XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX, XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-01-28
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: Experian Information Solutions Inc. (FL)

I sent letters to XXXX, Experian and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 38 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.