davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I sent a letter to equifax regarding inaccurate information on my report in reference to an account reported by advance collections bureau. According to the FCRA its a violation to report inaccurate unverifiable information. Its also a violation for this info to continue reporting if after 30days this account wasnt verified. Ive attached copies of my certified mail receipts, i have spend alot of money to resolve this issue please help
Consumer complaint received 2017-08-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (MI)

Commonwealth Financial systems called from XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXX I spoke to the representative who stated that they had a personal business matter. He asked for my address as they did n't have my SSN or birthday. I told the representative that I was not providing my address or agreeing to anything without more information as to the matter at which they were calling. The representative stated that they will mail a letter and that I was to contact them when I received the letter. I agreed to contact them once the letter was received.
OnXX/XX/XXXXat XXXX, I received a phone call from Commonwealth again. I told them I spoke to them less than 24 hours ago and was told that I was to contact them once a letter was received. I stated that this wass harrassment as we had agreed on how to proceed based on the amount of information they were willing to provide. I, then spoke to a manager that confirmed that I did speak to the representative yesterday and that a letter was supposed to be mailed.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-02-14
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. (MI)

This inquiry does not make sense to me, I think this was not intentionally done. I can not remember it. 
XXXX C Date of inquiry XX/XX/2020
Consumer complaint received 2018-10-25
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. (FL)

The account XXXX ACC XXXX status is late..How is this even possible when payments are secured on time..I contacted the credit bureaus but I did not get a response yet..I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without contacting me first..CFPB Please step up and reverse the late payemt
Consumer complaint received 2022-02-14
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. (ME)

This complaint is in reference to my prior complaint against Experian, which is CFPB complaint # XXXX, which I filed as a result of Experian 's complete and total failure to respond to my XXXX letter, demanding they provide me with their METHOD OF VERIFICATION for an account that is falsely reporting in the derogatory. I XXXX of 2021, I sent a XXXX letter, exercising my rights under FCRA, which states that, upon request, the credit bureaus are required to provide THE METHOD OF VERIFICATION that they used to " verify '' an account as accurate, including the original contract containing any signatures. Experian entirely failed to do this. Instead, they simply opened another dispute on this account, only to almost immediately come back and, once again, verify it as " accurate. '' Experian has BLATANTLY violated MY RIGHTS under FCRA by refusing to provide the information that I am fully entitled to, so I filed CFPB complaint # XXXX stating that since they failed to send me the method of verification for this account within 30 days ( they did not end it AT ALL ), they are now required to IMMEDIATELY DELETE this account from my credit report. In response to CFPB complaint XXXX, Experian stated , " We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. At your request to begin a reinvestigation, we are in the process of contacting the data furnisher ( s ) or public record vendor to verify the accuracy of the information with which you disagree. '' THAT IS NOT WHAT I ASKED FOR!!!!!!!!!!!!!!!!!!!! I CLEARLY stated in CFPB complaint XXXX that Experian is now required to DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY for failure to respond to my XXXX letter and provide me WITH THE METHOD OF VERIFICATION with which they are verifying this account. Therefore, my next step is to file a LAWSUIT AGAINST EXPERIAN for flagrantly VIOLATING MY RIGHTS under FCRA by failing to respond to my XXXX letter and failing to provide the documentation that I am entitled to.
Consumer complaint received 2018-05-24
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. (CA)

Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. In addition to this, XXXX XXXX reported that my credit limit was increased during that time period but that no hard inquiry was ever made. 
I request that you initiate a REINVESTIGATION into XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Consumer complaint received 2023-11-27
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE (MN)

XXXX to XXXX I got scammed out of XXXX XXXX dollar thur wire transfer from my bank Huntington Bank XXXX As soon as I realized that I was being scammed I went to the bank and reported a fraud. The bank said that they can't help me. So I hired XXXX XXXX to investigate on my case. It has been 8 months since XXXX XXXX took my case and still nothing resolved.
Consumer complaint received 2022-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-08-23
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. (GA)

I sent a letter more than 30 days now and I still have not gotten any results. They did not investigate inaccurate accounts reporting on my credit report.
Consumer complaint received 2021-06-14
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: Experian Information Solutions Inc. (GA)

In XX/XX/2021, I pulled my credit report from XXXX  and Experian and to my amazement, the company was still reporting me as a charge off. I immediately sent the company a dispute letter via certified mail dated XX/XX/2021 ( Tracking # : XXXX ) to validate this debt. I never received a written response to this inquiry. 

After not receiving a response, I disputed this information with XXXX  and Experian directly. I got a letter back about three months past my original inquiry date stating that my debt was verified. However, this debt is still not validated per the requirements of the FCRA.
Consumer complaint received 2022-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (CA)

I have been denied access to my account and the company makes it impossible to speak to anyone regarding the issue. I've attempted to verify my identity in every way they proscribe, and several others as well. My complaint is not so much about the fact that I've been denied access to my account, but it pertains to the lack of a real escalation process in place at the bank ( which is not really a bank technically I suppose ) Chime. 

The access was denied yesterday - I noticed it around XXXX. I stayed on the phone with Chime customer service for hours last night being repeatedly told that there was nothing I could do but wait for the fraud department. I was never given any sort of number to track my case, and it seems that every time I contact them, the process starts over. 

Ultimately, we as consumers are paying the cost of Chime can offshoring customer support, giving the agents very little training, and not empower them to solve problems.
Consumer complaint received 2021-06-14
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. (GA)

In XX/XX/2021, I pulled my credit report from Transunion and XXXX  and to my amazement, the company was still reporting me as a charge off. I immediately sent the company a dispute letter via certified mail dated XX/XX/2021 ( Tracking # : XXXX ) to validate this debt. I never received a written response to this inquiry. 

After not receiving a response, I disputed this information with Transunion and XXXX  directly. I got a letter back about three months past my original inquiry date stating that my debt was verified. However, this debt is still not validated per the requirements of the FCRA.
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX is still being reported incorrectly. The account is charged off but reporting the account is past due. I never made arrangements to pay anything. This account has also been re-aged. This account cant be verified as accurate, there is no record of sale for the vehicle. Without a record of sale, to include the price and a verifiable purchaser, their numbers are just numbers.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Kindly ensure the removal of inaccurately reported accounts from my credit file as required by FCRA 605B. Could you please review the documents? The presence of inaccuracies is causing me concern.
Consumer complaint received 2024-03-08
Product: Credit reporting 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. (IN)

XXXX XXXX XXXX Reported : XXXX. XXXXXXXX XXXX + {$4500.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$4000.00} Closed XXXX XXXX - XXXX Reported : XXXX XXXXXXXX XXXX {$1800.00} Closed XXXX XXXX XXXX XXXX : XXXX. XXXX XXXX + XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX : XXXX. XXXXXXXX XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXXXXXX XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX + Automotive ( XXXX ) XXXXXXXX XXXX XXXX  XXXX XXXX : XXXX XXXXXXXX XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-15
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: Santander Consumer USA Holdings Inc. (GA)

I have contacted XXXX  several times trying to get this issue resolved. I have notified via mail ( 3 attempts ) and calling them twice. I explained to them that Santander Consumer USA in the amount of {$27000.00} and XXXX XXXX XXXX in the amount of {$54000.00} are both fraudulent accounts that reflects my credit report. I have also contacted both creditors about this matter. I was advised to file a police report and Identity Theft Report which I have done. Neither of the other credit reporting agencies are reporting these fraudulent accounts.
Consumer complaint received 2023-11-27
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (VA)

Company failed to verify correct account information while setting up several payments over the phone. US Bank app was updated with correct account information for withdrawals. Consumer had correct information for making payments. Payments made successfully through the app multiple times. Consumer was never made aware that information on the app is not shared with the actual bank it does business with. US Bank 's failure to verify account information made this account go thirty days past due. This was no fault of the consumer.
Consumer complaint received 2019-06-18
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. (NV)

There has been a collection debt that was placed on my credit report a couple months ago, i disputed it with the credit agencies and they showed me nothing in return. I reached out to the collector and got into agreeance that if i paid the balance in full that the account would be removed out of my name and credit report. I made the payment on XX/XX/XXXX and i received the receipt with the letter stating our agreement for me to send off to the bureaus to have them remove it as quickly as possible. I just want to make sure i add in the CFPB into the mix of this thing so that the three credit bureaus will do their job and not do anything.
Consumer complaint received 2018-05-24
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have sent several written letters and emails to troubled Ocwen Loan Servicing requesting that the pretender lender loan servicer open up its pretender lender loan servicers phony XXXX file and provide me with the XXXX XXXX XXXX loan docs, ( e.g. loan app., Hud-1 TIL statement etc., and the appraisal. As of today the pretender lender loan servicer refuses to provide me with all those documents that I am entitled to. The only way to get a response from the troubled pretender lender loan servicer is to file a consumer complaint which forces its counsel to respond to my complaint with typical lawyer spins.
Consumer complaint received 2022-03-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MN)

I am a single mom who bought my home with my XXXX in XXXX ( we were never married ). My daughter and I have an XXXX of XXXX XXXX XXXX XXXXXXXX against him since XXXX, he is legally not allowed on or near the property. I have been trying to get a loan modification for just my income because it is just me and my young daughter living in the property. My mortgage company has told me that all I need to do is get a quit claim deed signed by my ex relinquishing rights to the property. I have been fighting for XXXX years to try and get this signed and I have gone into foreclosure. Again my mortgage told me that all I needed was to get this signed and I could get my own modification. My ex sold his part of the property to a random real estate company without my knowledge or signature, which then offered me to buy a quit claim deed from the real estate company for {$1900.00} and it will be just in my name. I have paid the {$1900.00} and now have the property just in my name. As soon as I contacted the mortgage company to let them know that I got it signed they are now going back on their word saying that even with the quit claim deed showing my ex has relinquished rights to the property I would still have to have my ex sign a modification with just my payments. This has XXXX XXXX XXXX XXXX XXXX XXXX XXXX being lied to and paying all of that money just for them to say there is nothing I can do now. I have a stable job that I have been at for XXXX years and I still can not get a modification just in my name after the countless times that I have been told by my mortgage company that I would be able to get XXXX. I have written down multiple names of the representatives that have told me verbally that was all I needed. I was in a covid forbearance plan which my mortgage company told me at the end of the forbearance that I could resume payments and that the amount owed would be put at the end of the loan and the loan would be extended or that they would offer me a loan modification. The forbearance has ended and no such offer has been made. My foreclosure sale is scheduled for XX/XX/XXXX and I am terrified that I am going to lose my home after all of this time that I have been fighting to save it. I asked if there was a special circumstance that they could accept a modification without my ex 's signature seeing that I have an OFP against him they said sorry for the miscommunication. How can XXXX years of being told one thing be a miscommunication? I feel scammed by my mortgage company and have considered hiring a lawyer to look into this because I am just shocked at how they could be this dishonest it is just not fair. I have been through so much all I want to do is make payments and keep my home.
Consumer complaint received 2021-06-13
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-03-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

On XX/XX/22, I received an email from Bank of America that an account was being opened in my name and to verify my email address. On XX/XX/22 I called Bank of America to inform them that I did not attempt to open an account and it was a fraudulent attempt.
Consumer complaint received 2022-03-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: All State Credit Bureau, Inc. (MI)

All state Credit Bureau, has attempted to collect a medical debt. I advised through a letter of Debt Validation, that was sent on XX/XX/2022 USPS certified mail. I have yet to receive the request documents, which have been verified that their company received.

All State Credit Bureau @ XXXX XXXX XXXX XXXX XXXX MI XXXX Is in violation of the Fair Debt Collection Practices Act And I want this account removed from my credit report! 
Thank you!