davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have read their correspondence regarding my filed CFPB complaints back in XX/XX/2024. 

TransUnion stated that these account were verified on their end but ; XXXXXXXX XXXX XXXX XXXX- Account # : XXXX-Paid-off account & must be updated to current status! 
XXXX. XXXX XXXX  - Account # : XXXX XXXXInaccurate Report! NO longer reporting to XXXX. 

XXXX stated that the account below is NOT currently reporting on the XXXX credit file, however, Im still seeing that this account is being reported on my XXXX credit file as per XXXX XXXX latest and updated credit report. 
XXXX. XXXX XXXX  - Account # : XXXX - Inaccurate Report! 

Lastly, XXXX stated that these account were verified on their end but ; XXXX. XXXX XXXX XXXX - Account # : XXXX -NO longer reporting to XXXX & TransUnion XXXX XXXX XXXX XXXX  - Account # : XXXX XXXXInaccurate Report! NO longer reporting to XXXX I would like to inquire about the method they employ to verify and validate the authenticity of the above-stated accounts? Why are some categories or information provided on my credit report still different from other credit bureaus? How did they conduct their investigation to ensure applicable and fair results? I still do not observe complete accuracy in their verification method. 

According to Congress, if an account displays inaccurate details and the consumer disputes it, requests an investigation, and, following the investigation, the same inaccurate information persists in your furnished reports, then the disputed accounts should be subject to removal. 

The significant question here is, why do the same inaccuracies appear concurrently in both of their previous and recent credit reports? Shouldn't all credit bureaus be reporting and obtaining the same information from a single furnisher? 

I need clarification on this matter and I insist that the above-mentioned inaccurate accounts MUST be completely removed from my credit report.
Consumer complaint received 2019-07-31
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: Early Warning Services, LLC (MI)

Back in XX/XX/2016, I deposited a check into my XXXX XXXX XXXX account that returned as being counterfeit. At the time, I had signed up for a secret shopping job assignment. The check was mailed to me to use for the purchases I would be making. I didnt know the check was counterfeit if so I would have never deposited into my account. I have attached the email correspondence from the person I was working with regarding the assignment. I am writing XXXX XXXX XXXXXXXX to request that the negative reporting be removed from EWS ( Early Warning System ) and XXXX. I've spoken to several different departments within XXXX XXXX XXXX. I was referred to send a letter with the email proof showing this wasnt intentional to have it removed. I am in the process of trying to get a mortgage through a bank, and this issue is preventing me from doing so. I would greatly appreciate it if you would please remove the adverse reports from both EWS and XXXX.
Consumer complaint received 2022-10-11
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: EQUIFAX, INC. (PA)

good evening. this complaint is in reference to the XXXX XXXXXXXX XXXX account shown on my credit report at XXXX and EQUIFAX. the vehicle that was financed with XXXX XXXX XXXX was repossessed in or around XX/XX/2017 in XXXX nj. After i found this account on my credit file i did some research on the vehicles VIN number and found out the vehicle was sold at auction in or around XX/XX/2017. I was unaware of this because i never received any correspondence regarding the vehicle after its repossession by XXXX XXXX XXXX. It is to my knowledge that new jersey state law and UCC codes state that a finance company SHALL follow certain distinct procedures after the repossession of a vehicle and if these procedures are not followed the deficiency ( repossession ) can not be claimed therefore can not be on my credit profile. new jersey state law and UCC codes state that after a vehicle is repossesed several different notices are to be mailed to the consumer regarding how to redeem the vehicle back, when and where the auction will take place, and if auction of the vehicle takes place, the amount the vehicle was sold for and if there was any surplus amount. this information helps the consumer verify if the amount owed is in fact accurate and correct. i NEVER received any of these notices. these notices must have also been sent within very specific time frames after the repossession again i never received these notices. the finance company shall also be able to provide proof that these notices were sent to the consumer. i have disputed this account with XXXX and EQUIFAX for 100 percent accuracy regarding the balance and other aspects of this account and ALSO i have requested proof of these notices required by new jersey state law and its UCC codes in order to claim the defiecency. To date my request was not fullfilled and XXXX and EQUIFAX simply updated my account as accurate. i simply exercised my rights under section 609 to have the information provided to me about the account listed on my file and it was not met as well as if the account is unverifiable it must be removed from my file. not to mention how can this account have been verified at all when the information between XXXX and EQUIFAX does not even match! how can they possibly have verified this account as accurate and the information does match? they both can not be right. there are so many issues with this account i would like to request its removal this is highly stressful to me that the credit bureaus are in violation in these aspects!
Consumer complaint received 2022-10-11
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-11
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. (GA)

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX : {$12000.00} ; US DEPT ED XXXX Balance : {$5000.00} ; US DEPT ED XXXX Balance : {$6200.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX
Consumer complaint received 2018-07-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (DC)

In early XX/XX/XXXX I was informed by my student loans servicer, XXXX XXXX XXXX XXXX Wisconsin that they would no longer be servicing my loans and that Nelnet would assume the servicing of my loans as of XX/XX/2018. XXXX XXXX advised me that if I wanted to make additional payments on my loans I could still make it to them up to XX/XX/XXXX. I asked XXXX XXXX if I could pay off the smaller of my two loans in the total {$2700.00} and they advised me I could ; and that pay off information would be provided to Nelnet when the loans transferred. XXXX XXXX advised me to contact Nelnet and I did so in early XX/XX/XXXX. Nelnet acknowledged that the loan had transferred but that they did not see a pay off for the smaller loan. However, there still outstanding files to be transferred and I should contact them again later in XX/XX/XXXX. On XX/XX/XXXX I signed in onto my Nelnet account and discover that there wasn't any information about my pay off of the smaller loan. My account was still showing two loans, both at 3.75 % interest rate. I called Nelnet and the representative that took my call informed that thee wasn't a pay off of the small second loan. I protested and she put me on hold twice while she investigated. At the end of the second hold, she informed that they had received a payment for {$2600.00} which had been applied to the balance of the larger loan ( for my son ) and that there hadn't been any notes to apply it to the small loan second loan. I vehemently protested that I had explicity and lenghty discussion with the XXXX XXXX rep that these monies were to pay off the small loan. Nelnet rep then said she contact acounting about reversing the payment but would not guarantee it would be done. I live on a fixed income and these monies were gifted to me at my XXXX   birthday for a trip around the country. I chose instead to get rid of the small loan and its onerous interest rate. Yet Nelnet decided that they do what benefits them without regard for my intents. They are thus holding me in financial bondage and making it more difficult for me to meet the payments on both loans. I implore your good offices to intervene and have Nelnet correct this malfeasance on their part. Most sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I need all Names and addresses deleted from my credit report except the name and address that will be on the drivers license and current bill that I will be attached to this complaint. Everything other than the information provided is incorrect and should not be on my report.
Consumer complaint received 2023-06-28
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. (TX)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ).

I waited 30 days and received my investigation and notice not all was corrected and appear the same. The consumer reporting agencies which are Equifax, XXXX, and XXXX did not modify or remove all items. 

The date open is not correct, the date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports. 

Which is a violation. This is impacting me from moving forward to buying a home for my family. 

I attached my previous credit report and new credit report to show how XXXX violated my rights.
Consumer complaint received 2018-07-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

Chase told us we would receive 1/8th lower on our interest rate if we were a preferred client, so we moved our retirement savings over to Chase so that we would qualify. We were told the rate would be applied after closing and we locked in our rate at 4.25 %. After closing they did not honor the rate, and told us we didn't have enough savings to get the better rate. When i showed him the message he previously sent me saying we would get it, he said he would see what could be done. I got tired of going back and forth with the loan officer and 3 weeks ago called his manager directly. He said a file was open and they were working on it and would get back to me after a week. A week pasted and no response, I called and left a message but still no response. We closed on our house over a month ago now and Chase has yet to do anything or return my calls. In addition to this the bank messed up our closing by not funding the correct amount. They were short {$1400.00} and we never closed on Friday and couldn't get the keys to our house for two days until they admitted their mistake and let the title company know it was an error on their end. Chase promised to get some money back to make this up to us, but we never received anything.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

Ive made over 30 disputes since I was targeted a victim of identity theft. All of which have returned as updated and not taking any action against. I have sent and faxed over reports from the FTC and Police Department to EQuifax regarding fraudulently established accounts. 

However that is a separate complaint that I am awaiting feedback. 

This complaint is because I am unable to access my credit report. 

When I go to navigate within EQuifax it does not populate anything regarding my credit report. 

The last update on my credit score was XX/XX/2021 In compliance to every consumer protection law and by those governed by the FCRA everything on my credit report must show verifiable accurate and truthful. 

This is in violation of that not to mention accounts and inquiries that were fraudulently establish still being left on my report. 

I have taken screenshots and uploaded them so that it will be proof that they have blocked my credit report for for promotional reasons as stated. 

Ive made several phone calls faxed over several documentations since my mobility issue and recent XXXX XXXX. 

Customer service has mopped me has hung up on me I have experience very unprofessional feedback from those even in the fraud department.
Consumer complaint received 2019-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE (TX)

I recently opened a credit card account with Barclay bank of Delaware. At the time of opening the account offered 15 months interest free. I made use of such offer by transferring some high interest loans. This is where the problem begins, after initiating a transfer from one of Barclay subsidiaries ( Barclay personal loan ) in the sum of $ XXXX.The transfer was initially cancelled since it was not visible online for several days. In such case, I satisfied the due account with alternative means. The eventual out come was an account that was over paid in the sum of {$4900.00}. Apparently an issue that should be easy to resolved given the nature of the problem and the available proof.However, so far that has proven difficult based on the way that Barclay bank has been handling the problem.In any case, even after having contacted them over the phone the issue continues to be unresolved. In the mean time my account has accrued fees and the personal loan continues to be over paid in the sum of {$4900.00}
Consumer complaint received 2022-12-02
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: Bread Financial Holdings, Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

CB/LNBRYANT XXXX CCBXXXX XXXX CB/VICSCRT XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (CA)

After repeatedly writing to and chatting with Rushmore Loan Management Services in XXXX, ( XXXX ) XXXX, they responded to my request about an upcoming ( XXXX XX/XX/2023 ) transfer of my loan to Rushmore in Texas on XXXX and XXXX XX/XX/2023 to inform me that my concerns were " under review. '' On XXXX XXXX and again on XXXX XXXX, RLMS wrote to explain that " XXXX XXXX XXXX XXXX not in its individual capacity but solely as XXXX XXXX for the XXXX XXXX XXXX is the current owner of the loan. '' Four days later, I received an email from " XXXX '' informing me that they, not " XXXX XXXX XXXX XXXX not in its individual capacity but solely as Indenture Trustee for the XXXX XXXX '' now held my mortgage : " Previous Servicer : Rushmore Loan Management Services LLC '' " Old Loan Number Ending In : XXXX '' " New Rushmore Servicing Loan Number : XXXX '' " Property Address : XXXX XXXX, XXXX, CA, XXXX '' " Transfer Effective Date : XX/XX/2023 '' " Your AutoPay and Escrow account will automatically transfer to us from Rushmore Loan Management Services LLC. Please note that there may be a slight delay in drafting your first payment. This is normal and nothing to worry about. If there is an issue, we will contact you. '' That same day, according to my bank, Rushmore Loan Management Services LLC withdrew my regular mortgage payment -- four days after they wrote to inform me that they no longer owned my mortgage. 

" XX/XX/2023 RLMS ACH RLMS Idxxxxxxxxxx {$1100.00} '' Ten days later, " Rushmore Rushmore '' withdrew the same amount without explanation : " XX/XX/2023 RUSHMORE RUSHMORE XXXX {$1100.00} '' So, my mortgage payment was charged twice this month without my permission or even notice, and Rushmore Loan Management Services LLC made their withdraw several days after they wrote to explain they no longer serviced the loan.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2021-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Im very disappointed that Bank of America has charged me multiple times on the same fee for NSF. I thought they were sued over this issue and agreed to pay millions over the unfair multiple fees associated with the same NSF charge. Bank of America has charged me 3 fees for the same NSF because they keep trying to put the payment through. I want the CFPB to know that they are still changing unfair fees and keep putting the same payment through then charging ANOTHER fee
Consumer complaint received 2023-01-12
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: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-02-12
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO. (CA)

I ordered a spa cover on XXXX the XXXX from XXXX XXXX XXXX XXXX XXXX XXXX Ca and they charged our XXXX Card for XXXX. We called them later that day to tell them that our spa maintemance guy had found a leak in our in ground spa and that he said it could not be fixed. He said that since he had already charged our credit card that we had to pay him for the {$35.00} in discount fees. Surcharging is illegal in CA and we live in that state. I requested that he issue a credit on XX/XX/XXXX and followed up with him in XXXX to let him know that we had not received the credit. We called our credit card and disputed it. He is not threatening a lawsuit if we do n't pay {$70.00} in crediot card fees he incurred for both the sell and chargeback.
Consumer complaint received 2024-03-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC. (OR)

My health savings account was instructed to pay a medical provider as part of a claim I processed against the account. They are NOT willing to pay via a paper check, only a Virtual Payment. The medical provider did not receive the funds, and yet since the payment wasn't processed, the XXXX provider closed the transaction without notifying me and the medical bill remained unpaid. 

When I called the XXXX to ask them to " reopen '' the transaction, they said they wouldn't and I would need to submit a new claim for payment. Once again, they are only willing to pay via a Virtual Payment.