davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-19
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: Consolidated Information Services Solutions, LLC (FL)

I want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my XXXX credit report recently and found an unauthorized inquiry reporting on my credit report. I wrote XXXX a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. Much to my dismay XXXX wrote me a letter back stating that " we wont process your request ''. ( because they think that I did not write the letter of dispute myself ). I am a XXXX  XXXX with very XXXX XXXX  and i am able to write my letters of dispute without need for a third party. 
XXXX is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist in deleting the record below from my credit report Company : XXXX XXXX - Date : XXXX - Attached is the letter i wrote to XXXX and the letter XXXX wrote back to me refusing to process my dispute. 
i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.
Consumer complaint received 2018-12-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Sunset Management, Inc (GA)

Sunset Finance, XXXX XXXX XXXX XXXX # XXXX, XXXX, SC XXXX mailed a live check in the amount of {$1000.00}. 
The " Pay To ... '' is XXXX XXXX, an ill and elderly family member. He is in his late XXXX. 

It is drawn on XXXX XXXX XXXX with check # XXXX. Dated XX/XX/2019. Expiration Date is XX/XX/2019. 

Mr. XXXX ( XXXX ) could owe this money if some low life picked it from the trash or street side. At minimum, these mail outs expose personal information, dangerous in the hands of the wrong people. 

The finance charge is {$280.00}. It is a 48.82 % interest rate. Given Sunset checked his credit reports, his age and responsible credit history is obvious. It is also significant he has only done business with mainstream financial institutions. 

Mr. XXXX did not initiate any contact or transaction. 

Sunset has targeted our area and it needs to be reigned in. 

Zip code XXXX has some older, still nice neighborhoods and many low-income XXXX and XXXX young groups. We also have a young, vulnerable college age group within this zip. 

I called CFPB today to opt out as a preventive measure. 

I am hoping CFPB can help reign in such irresponsible targeting of our neighborhoods in the XXXX zip code.
Consumer complaint received 2022-03-06
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: Verisk Analytics Inc (CA)

I have tried to email LCI several times and i have never received a response to my emails nor did they acknowledge that they received it nor have a received anything in the mail from them I am filing this complaint violation of my privacy rights.
Consumer complaint received 2022-03-06
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: LEXISNEXIS (CA)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2024-02-06
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. (MS)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-12-18
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AES/PHEAA (CA)

Company never informed me that they would report me to the credit bureau. Even after I requested a forbearance to cover THE YEAR XXXX. I was informed on XX/XX/XXXX by XXXX, XXXX XXXX representative that she was able to see ( 4 ) hardship forbearance request and returned. I spoke with XXXX XXXX  XXXX representative on XX/XX/XXXX who informed me that he sees where the company made a mistake in credit reporting and he tried to correct it. however, he was later told he could not correct it. He said I had to file a dispute to correct it. I asked the company to also go back and listen to the phone recordings for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for a fair resolution. I received ( attached ) a letter from XXXX XXXX XXXX in it clearly shows my loans where in forbearance for the questionable dates in XX/XX/XXXX The company never updated their data in a timely manner before they decided to report me to the credit bureau without notifying me with an option to dispute the late reporting. FOR LOANS 1 THRU 7
Consumer complaint received 2018-05-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (CA)

i received a gift card from my father in law for {$100.00} issued on netspend visa card. i tried to activate the card online, however the website is always down and wont let you log in. always shows a error that the website is down and to try again later. i tried for over a week and always get the same message. called up and provided the information as requested and was informed that my card has been activated and can be used at any retail location. i have tried to use the credit/gift card on 5 separate occasions and at different locations and the card is always declined. i now have a {$100.00} gift card that can not be used and i feel that my father in law was cheated out of his money. i don't know what else to do and hope the the FTC can get my money back or at a minimum investigate the conduct of this company ( netspend ).
Consumer complaint received 2018-12-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (CA)

I disconnected my XXXX  account and as instructed returned the equipment to a XXXX   facility who gave me a receipt stating I returned the equipment to them. Couple months later I received a debt collector invoice from RPM - Receivables Performance Management stating I owed {$140.00} for the equipment. I sent them the copy of the receipt and they won't clear the account. I spoke with XXXX  on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX ( who hung up on me ) and said " XXXX  says you still owe it ''. Totally false. I looked on XXXX  and this company has horrible reviews and scams people for utility bills. Please stop them.
Consumer complaint received 2018-04-25
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. (TX)

There is an inquire still showing on my report that should have been deleted already by law. Name of company is XXXX XXXX XXXX   the removal date was back on XX/XX/2018 and still shows on my credit. I'm trying to buy a house and is affecting me on my eligibility for it. If you need to get in hold of me feel free to contact me at XXXX XXXX XXXX. Thank you in advance for your prompt help. XXXX XXXX XXXX
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I recently looked at a copy of my consumer report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It's my understanding that the Credit reporting agencies will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-30
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. (MN)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF ED/XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (FL)

According to the Fair Credit Reporting Act, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.
Consumer complaint received 2022-03-06
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. (UT)

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 attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2021-06-10
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: EQUIFAX, INC. (MD)

Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.
Consumer complaint received 2018-12-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have recently been denied for a loan modification on an appeal review. I originally applied for a loan modification and was denied due to insufficient income. My Sister then moved in with me and helped with {$1000.00} to cover the household expenses. With the changes in my financials, i then reapplied for a loan modification. I was later told that I was denied and am no longer able to reapply since i can only be reviewed once in a year. Now that I am able to afford my home with the help of my Sister, they will not consider reviewing it and I will lose my home. I have worked too hard for this to happen. Please help.
Consumer complaint received 2018-12-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (NY)

I have a mortgage with Ditech. Although our taxes did not go up and according to our tax collector we are paid up, the escrow was raised by nearly XXXX  a month more making our escrow amount XXXX per month. There is no reason as to why it went up by that much. I called Ditech and spoke to the escrow dept. and they had no explanation except she said oh well that is what it is. Please help us because this amount is unaffordable to us making us behind. XXXX XXXX
Consumer complaint received 2022-03-06
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. (OH)

I checked my credit report and saw that there are 3 student loans on my credit report that are not mine. I listed these 3 accounts on a Identity Theft Report. I have reached out to XXXX, XXXX AND TRANSUNION AND LET THEM KNOW THAT THESE ARE NOT MY ACCOUNTS BUT THEY HAVE NOT CHANGED MY INFORMATION.I have no idea how i have these accounts on my profile. XXXX, TRANSUNION AND XXXX are BREAKING THE LAW because although i have disputed these items, They are in violation of federal consumer law. 15 USC 1681b ( a ) ( 2 ) states that a consumer reporting agency may furnish a consumer report in accordance with written instructions of the consumer to whom it relates. I as a consumer have NEVER given XXXX, XXXX OR TRANSUNION ANY Written instructions or consent to report anything on my credit report. NO CONSENT MEANS IDENTITY THEFT. I am demanding these 3 items be removed because it isn't fair to me as a consumer and they are fraudulent accounts. If they are not removed, I will not extend my credit to anyone anymore or allow XXXX, XXXX or Transunion to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. There are inaccuracies on these fraudulent accounts as well and these 3 consumer reporting agencies aren't reporting the same information. These inaccuracies on my credit report it has caused me to lose faith in the banking system. If XXXX. Transunion and XXXX wants to continue doing business with me then they must delete these Inaccurate accounts off my consumer report. This isnt fair to me as a consumer.
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (IN)

XXXX a 3rd party reporting agency who is not allowed to furnish any report without my consent ( 15 USC 1681B ) refuses to correct information on my consumer report with regards to an account citizens one auto finance. the account is fraud and i am in dispute with citizens one auto finance so until the matter is completed, XXXX should not report the account. the account was closed/written/charged off in XXXX of XXXX and XXXX has another charge off date as of XX/XX/XXXX, this is largely inaccurate and affecting my score. according to irs publication 4681 a charge off is claimed as income on my tax return so how is it reported as a debt? another inaccuracy! i have no contract with citizens one auto finance making me obligated to perform any duties to them, i have not received the original contract from citizens or XXXX. XXXX has refused to show me how they validated this report - what process was used, employee who handled the process, information that was gathered on the account for the report. 
12 USC 12 & 83- states bank can not loan money so i'm confused on what citizens one auto is speaking of?

15 USC 41 & 1692g- the debt is now officially in dispute, by law all activities must cease until the matter is resolved due to the fraud of this matter i am able to right to recession 12cfr & 226.15 u.c.c. 1-201 & 4 -unathorized signature made without actual, implied, or apparent authority i have not been able to cross examine citizens one auto bank about the matter, i have spoken with representatives of citizens one auto bank but since the representative didn't sign the contract i need to speak directly to citizens one auto bank since that is supposedly has first hand knowledge of the situation, first hand knowledge refers to someone who was the witness and or saw or was in the room with me signing that contract, haven't spoken to anyone.

citizens one auto finance seems to be furninshing false and deceptive forms to make it look like i owe a debt 15 USC 169J 15 USC 1692b ( 2 ) -stating a consumer owes a debt when if fact eh consumer does not
Consumer complaint received 2018-05-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

On XX/XX/XXXX I sent dispute letter to all 3 credit bureaus requesting the removal of several items. A closed credit card account that is over 10yrs old, a charged off credit card account over 8 years old and two collection accounts that I do not owe money to and never had contracts with. XXXX deleted all the accounts. XXXX and Equifax did not, they only updated the reporting of the account. I contacted XXXX and Equifax again via mail on XX/XX/XXXX. I explained to them that XXXX had deleted the accounts, provided proof of that and asked them to also delete the accounts from my credit file. XXXX, updated the account again and did not remove it as requested. Equifax did the same and advised me to contact the credit card company. My complaint is that they are not required by law to continue reporting this outdated information and they ARE required by law to remove it at my request. The information I need help having deleted is XXXX XXXX XXXX on my XXXX  file, XXXX XXXX XXXX and XXXX XXXX XXXX on my Equifax file. Please help.
Consumer complaint received 2023-03-16
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Collection Bureau of America Ltd. (CA)

I disputed via credit bureau 's in XXXX and with XXXX XXXX XXXX. 
XXXX, I have filed with XXXX  again, with the DFPI Complaint XXXX - www.dfpi.ca.gov.
Consumer complaint received 2022-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX. # XXXX 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 2022-03-06
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I purchased several gift cards from Kohls Department store on XX/XX/2022. After purchase I was told allow 24 hrs before use. It was also printed on the receipt. What I don't understand is how are they able to sell gift cards and place a hold on them?
Consumer complaint received 2022-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (FL)

XX/XX/2022 Complaint to Consumer Financial Protection Bureau I took out a loan with XXXX and they were supposed to pay my Chase Freedom credit card in full : {$3200.00}. Unbeknownst to me, apparently their system will only accept " round figures '' and I was not told to round the amount up to the nearest dollar. Therefore, they only paid {$3200.00}. When I got a bill for {$.00} from Chase, I paid it, thereby giving the account a {$0.00} balance. However, when I got the next statement, I learned they are charging me {$37.00} for that {$.00} error. The CSR I spoke with refused to remove the excessive interest, stating it is based on the ADB. I do not feel I should be required to pay interest on an account that was ( technically ) paid in fully on XX/XX/2022, before the due date of XX/XX/2022, with the exception of the {$.00}, which was paid by me on XX/XX/2022, long before the due date of XX/XX/2022. If a loan is generated to pay off a certain amount, that exact amount should be paid, not " rounded up or down ''. Apparently banks and credit cards will do anything to get that interest. 

When I spoke to a CSR at XXXX XXXX, she told me several times about the " rounding up '' policy and when I asked to speak with a supervisor, she put me on hold, eventually disconnecting the call. 

Chase is doing the same thing on a second credit card account I have with them, Chase Slate, which has also been paid in full but the payment is not showing in my payment records. I paid {$1700.00} on XX/XX/2022, again before the due date. The account does not show my payment as of today, XX/XX/2022, but is showing a payment due on XX/XX/2022 of {$44.00}. My bank statement indicates that payment in full was posted to my checking account on XX/XX/2022. There should be NO interest charged. 

The resolution I request is that ALL interest charges be refunded and my accounts showing a {$0.00} balance. If and when I pay an account in full before the due date, there should be NO interest charges applied. If I close those accounts, which I would like to do, then my credit bureau score takes a nose-dive. Its a Catch 22.

I also find the interest rates these companies are being allowed to charge are more like loan shark and/or usery rates. No wonder people have to file bankruptcy just to make ends meet! 

Thank you.