davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-20
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: EQUIFAX, INC. (CA)

Equifax is improperly keeping old accounts in my file after that were lawfully required to remove them by falsifying the records and changing some of the information in order to retain the records for an indefinite period of time. Equifax has knowingly and interntionally refuse to remove/purge the negative/derogatory accounts in my file after seven years as required by law. They have done this by knowingly and fraudulently altering both the status and the Status and/or Payment History on the account. They have done this in order to prolong the account in my file. I have file numerous challenges to their incorrect information and have contacted them by telephone. Also, I have attempted to dispute the information many times. Equifax makes it impossible to rectify the problem. The US Government needs to shut these criminals down and ban them from keeping records of United States Citizens and they should not be allowed to operate in the United States.
Consumer complaint received 2022-10-16
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: AMERICAN HONDA FINANCE CORP (GA)

XX/XX/2022 In XXXX of 2022 I applied for credit with Honda Finance. I was denied credit and on XX/XX/202 I asked them to reconsider because of XXXX well known reporting problems. 

It appears that Honda Finance ran my credit without my permission on XX/XX/2022 and I did not give them permission to run my credit. 

Over the past 40 days +, I have filed several complaints with Honda Finance and XXXX with no resolution. 

The original CFPB complaint # XXXX was an attempt to correct the record. I told Honda that they had run my credit a second time within their 30-day grace period. This grace period was explained by Honda that they do not run credit twice within a 30-day window where it applied to the original inquiry. I told the Honda executive that my credit was in fact run a second time in the 30-day window. Honda told me that it did not show on their files and told me that I should question XXXX and the 2 would resolve it. A copy of my XXXX inquiry record is attached. 

After I submitted complaints to XXXX over 5 times in the past month ; with no resolution, I am coming back to CFPB to resolve this complaint. I called Honda and got nowhere. It seems that Honda Finance and XXXX are incapable of resolving this. 

I have attached some of the responses that I got from XXXX in the hope that when you share this with them, that they will get it. 

Additionally, complaints that I have filed against XXXX are taking 30+ days and still have not been resolved.

Herein, I list the complaints related to Honda Finance and XXXX : XXXX XXXX XXXX XXXX Perhaps, this time it will get resolved. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-07-06
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: Experian Information Solutions Inc. (FL)

I am interested in processing disputes on my credit report to delete an remove all inaccurate information on my credit report with Experian that is hindering my file. this has been hindering my file for a while an needs to be resolved asap. checking my file alot of information needs to be deleted. please review an remove all information filed to process all disputes asap.
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CO)

We have a XXXX XXXX XXXX credit card with Chase Bank. In XXXX of XXXX my family took a trip to XXXX XXXX. Upon returning we got our XXXX credit card statement, and all charges were verified. The next month we received our XXXX credit card statement and in the middle of the XXXX charges was a charge with a post date of XX/XX/XXXX in the amount of {$7000.00} from a company called XXXX XXXX XXXX in XXXX XXXX. We disputed this charge with Chase. We were told by Chase that the charge was legitimate because it was a chip read transaction. We asked Chase for information about the vendor but the information they gave us did not direct us to any vendor that we did business with. We challenged Chase about this transaction for several months until Chase closed the dispute and started charging us interest for the amount. Chase also reported us to the credit rating companies. In XX/XX/XXXX we asked an attorney to send a letter to Chase requesting they fix this error and refund our money, but we have yet to get a resolution.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2018-02-23
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY (CA)

On XX/XX/ I wrote a letter to XXXX  explaining the financial hardship I'm going through due to loss of a family member and helping with funeral cost. I asked them to accept a reduced payment for the next 2 months on my debt starting XX/XX/XXXX.I stated that I was not able to meet the current payment of {$160.00}. I will pay you {$50.00} per month during this emergency starting in XXXX. And I also asked if they could not send my account into collections and stop interest. The company has responded but did not state that they would assist me during my financial hardship
Consumer complaint received 2015-08-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pinnacle Credit Services, LLC (PA)

pinnacle credit services has for the last several years reported a debt on my credit report which is inaccurate. the amount they show owed and date of services are only XXXX of the disputes I have made XXXX times last year and once this year and it is still being reported as accurate. upon calling them after the results of this years dispute I was told that pinnacle credit services does not speak to clients about their debt but, so it can be handled responsibly, but they would give it to someone else while they still are reporting it on my credit report, which in and of itself causes an inaccuracy on the credit report which would equate to it having to be removed or updated due that. upon asking for a supervisor on several phone calls from myself to pinnacle credit bureau, I was told they speak to nobody and my request to speak to someone from pinnacle management would be denied and upon forcing the issue as I am entitled to under the law I was hung up on by pinnacle credit service this year alone no less than XXXX times for demanding to speak to XXXX of their supervisors as to their conduct as it relates to the fair credit reporting act and its inaccuracies on my credit profile. They also attempted to give me XXXX different phone numbers to call in relation to XXXX showing of pinnacle credit service on my credit profile and could not even verify if any of these numbers had to do with the original creditor, XXXX wireless, which shows on my credit report. I allowed them to forward me to a convergent outsourcing whom told me they could not speak to me either as this situation as they put it is in " cyber limbo '' and nobody can speak to me because it is out of their hands and supposedly back in the hands of pinnacle credit service who show on my credit profile but absolutely refuse to speak to me about their name on my credit report. I informed them I was going to the FTC website and making a formal complaint in regards to this as it has affected my ability to obtain credit and it is inaccurate on many levels. Pinnacle Credit Services are a fraudulent company with many complaints for the same thing I am coming here about and when a phone call is made to them an automated message is given stating they will refuse to speak to anyone even though they are reporting things on peoples credit reports. This constitutes fraud and clear blatant violations of the FCRA and any and all measures must be taken to enforce the law and assist people like me who have legitimate disputes where these agencies care little to nothing and refuse to speak to anyone to fix situations.
Consumer complaint received 2022-03-25
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. (IL)

XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX has violated my rights as a consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

There must be written instructions by me to have anything written on my credit report and I never gave authorization for that.
Consumer complaint received 2019-04-20
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. (LA)

Experian is showing a hard Inquiry that shouldn't be on my report! 

XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX phone : XXXX date : XX/XX/2019 On XX/XX/19, I called XXXX XXXX over the phone to switch phone plans. I was told I had to Submit a SOFT INQUIRY to verify my identity just as insurance companies do. Minutes later, I received a HARD INQUIRY alert on my credit monitoring app that's shows XXXX XXXX have placed a hard inquiry on my credit report. I asked to speak with a manager on duty and i was informed by the XXXX XXXX manager, the hard inquiry will only last on my credit report for less than 30 days than it will automatically be removed. I DEMAND THIS INQUIRY BE REMOVED ASAP! THIS IS NOT A DISPUTE TO VERIFY IDENTITY. I AM REQUESTING IT TO BE REMOVED DUE TO POOR EXPLANATION BY XXXX XXXX STAFF!
Consumer complaint received 2016-07-11
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Credit Bureau of Carbon County (WY)

I was delivered a fake civil case file for money owed to Doctors. The information on the page did not have a case number or a Judge stamp. It was simply filed and delivered to my home on a Sunday by a message delivery person, not a sheriff or signature needing person. While it states it is from the Civil court its signature is from the collection attorney. This is the Second notification threat that we have received on bills that we are paying on. One of the bills has verbally been requested to be verified and they have failed to send that verification.
Consumer complaint received 2021-10-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DHI Mortgage Company (GA)

XX/XX/ - We signed a purchase contract for a new home with DR Horton. I provided a pre-approval letter with XXXX XXXX XXXX which is my current employer. I was told it is a DR Horton requirement to have all buyers pre-approved by their lender DHI Mortgage.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The following companies have errors on my credit report. My balances are incorrect and the credit amount are incorrect. 
The companies with incorrect reporting are as followed : 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  : Incorrect Credit Limit
Consumer complaint received 2024-03-04
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. (NJ)

It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention to and resolution of this issue are highly appreciated.
Consumer complaint received 2020-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P. (TX)

I have been the victim of identity theft and had multiple accounts opened under my name without my consent including Paramount Recovery. I have previously provided FTC report documenting the fraudulent activities due to my identity theft and this company has failed to comply with FCRA reporting guidelines for Fraud/ID Theft.
Consumer complaint received 2019-06-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have gotten repeated phone calls from XXXX of XXXX until XX/XX/XXXX where the the person on the other end threatened to jail me and take everything I own if I didnt pay this debt and the rep,. would never give me chance to speak and told me if I wrote a letter disputing the debt I would get an answer because I was a dead beat who needed to pay. The amount is XXXX The name of the company is Portfolio Recovery XXXX XXXX they are from XXXXXXXX XXXX
Consumer complaint received 2018-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (WI)

My loans have been in deferment because I am in school. This semester is the first that I am not a full time student. I received an email at XXXX this morning ( XX/XX/XXXX ) from my loan servicer that I had a new billing statement. The billing statement was dated XX/XX/XXXX and stated that I owed over {$1200.00} and that it was due on XX/XX/XXXX, which means that I am delinquent without ever having had a chance to pay the bill. 

When I contacted the loan servicer today, they could not explain why this had happened nor did they suggest a solution to the delinquent payment. The supervisor I spoke to essentially told me to sign up for an Income Driven Repayment program and that if approved, they would " forgive '' the delinquency. No other solutions were offered.
Consumer complaint received 2023-06-16
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: CarMax, Inc. (VA)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CarMax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX You are in Direct Violation of The Fair Credit Reporting Act ( Carmax & account # XXXX ), has violated several of my rights.

16 U.S.C 1681 section 602 A. Clearly states that I havo the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a crodit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account Immedlately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2021-02-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I complained with Consumer financial Protection Bureau, CFPB COMPLAINT # XXXX. Copy of the complaint together with my fair resolution and XXXX  's response is attached. I have also attached attachments for this referenced complaint. XXXX  claims XXXX XXXX needs my permission by stating " The company needs authorization  from you to proceed with your complaint. We reviewed the complaint you submitted and sent it to the company for a response. The company has let us know that it needs authorization from you to proceed. '' WHAT DOES THIS MEAN OR IS THIS MORE XXXX XXXX GAMES? XXXX XXXX always labels ALL my complaints as a duplicate complaint without ever responding to just one complaint. Now XXXX XXXX claims they need my permission to proceed when I have been requesting an investigation for 4 years.
Consumer complaint received 2021-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Grain Technology, Inc. (NC)

Grain is set up to automatically draft out the payment when its due. Because it was going through a new integration due to it merging with another company it did not do it on time. It said it would post on Monday XXXX but the payment was set up on XX/XX/28. The payment was automatic, set up in advance, and now is showing a late on my credit report due to some technical glitch within their system. I have reached out to them several times with no response. The payment was made, my account is at {$2.00} with them yet they are still reporting it as late due to their own technical difficulties.
Consumer complaint received 2019-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (FL)

I had to put a stop payment on american Express because they were putting in their payments automatically when there was no money in the bank. Then when I made a deposit to cover the bills they still were doing it and XXXX was charging me every time they did it so I put a stopped payment on the account and now I lifted it on the phone with the three way with the supervisor, and now American Express is still charging me the stop payment fees when they agreed to pay the bills. 

Could you please have American Express list the stop payment fees as there was money in the bank but they refused to pay it when I called it in to XXXX Bank. I am waiting for XXXX on the neck and can not run to XXXX Bank to lift the stop payment in person so since XXXX   promised to lift the stop payments American Express is still charging me for it.
Consumer complaint received 2018-04-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (TX)

The company Rash Curtis & Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX are reporting two medical debts on my credit reports they opened in 2012. I live in Texas. I have sent certified mail to them requesting validation of debt and proof of surety bond in Texas. They did not respond in the 30 days and they do not have a surety bond to collect or report debt in the State of Texas per Texas Finance Code 392. According to the Texas Secretary of State website debt collector search they do not hold a bond and are illegally reporting and collecting debt in this state.
Consumer complaint received 2018-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C. (FL)

" XXXX XXXX '' Date Opened :XX/XX/XXXX.Original Creditor : " XXXX ''. And " Trident Asset Management '' Date Opened : in XX/XX/XXXX. I've Filed a FTC report of Identity Theft Report and sent it to all three bureaus. XXXX XXXX Or Trident Asset Management Has not Validated This Acct with A signature or legal contract of acct being mine. XXXX XXXX  has Deleted them items after my report and not validation. But XXXX said the acct will stay on record until XX/XX/XXXX. So I'm sending out another Validation Request and filing a complaint with the CFPB as well.
Consumer complaint received 2017-03-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank Of America received my Impounds bill on XX/XX/XXXX, and held onto the money in my account because they were not delinquent till XX/XX/XXXX - I sold the loan, and closed escrow on XX/XX/XXXX, they mailed me the balance in my impound account but failed to tell me they did n't pay my impounds, nor did I received a due bill from county accesor 's office until today, showing a late fee of {$160.00}. Bank of America claims they tried to pay it on XX/XX/XXXX and it was rejected ( Who pays your taxes once the loan 's been paid off -They should of paid it once it came due? ), then they said they mailed me a notification of what was paid off on XX/XX/XXXX - I never received anything, ( Taxes were delinquent after XXXX? ) I 've called twice today-XX/XX/2017, and spoke with Supervisor, XXXX, and another associate XXXX after waiting over 39minutes on the phone they refuse to pay the late fee 's saying the account is closed, and it was my responsibility- I have no problems paying my bills if I know they 're due, but since my bill was due XX/XX/XXXX and escrow did n't close till XXXX - I was under the impression they paid the bill they received for me. Ridiculous.