davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-05
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. (CT)

In accordance with the Fair Credit Reporting act XXXX 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.
Consumer complaint received 2018-12-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

I was doing a trade for a copy of XXXX XXXX, my end was 6 different bots + {$150.00}. 
I had paid him and then he proceeded to block my account and I couldn't message him or do anything at all. I called PayPal, and set up a dispute, but they refused to let me have my money back. I paid him pretty much for nothing. It's a scam because he blocked me and hasn't talked to me for the past couple of hours even after I gave him my end of the deal.
Consumer complaint received 2021-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Re : CFPB No : XXXX XXXX The reply provided by TransUnion is totally unresponsive and unacceptable. 
The basis for my complaint is the conflict of interest inherent in TransUnion permitting false and fraudulent information to be included in my personal credit file, in promotion of their credit repair scam business and extort payment from me of {$19.00} per month for all eternity, to remove the very same false and fraudulent information TransUnion has permitted to be placed there to begin with. 

The fraudulent and false information complained about has not been removed from my credit file and still remains. 

In addition, TransUnion has taken other deliberate steps to financially damage me even further. My complaint for fraudulent information was against TransUnion alone, because there is no fraudulent information on either my XXXX or XXXX credit file absolutely none of any kind. 

In addition, there is fraudulent information on my account which never should have been permitted to at the outset and must be removed.
Consumer complaint received 2019-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MN)

Dear CFPB : I am writing to complain about EQUIFAX 's failure to resolve a simple dispute about XXXX account. Dispute resolution does not mean contacting the offending party and wholeheartedly concluding their erroneous position prevails over reason and rationality. This is what EQUIFAX 's dispute resolution is all about. All t they do is contact the breaching party that is responsible for the mischief, and upon hearing from them, take their position as sacred and conclusive. There is nothing conclusory or sacred about misrepresentation. Evidence shows that the other XXXX major credit bureaus, XXXX and XXXX, concluded that XXXX is the breaching party. Both XXXX and XXXX Bureaus have expunged XXXX account more XXXX   months ago because of misrepresentation. There is a reason why XXXX and XXXX have reached such a correct decision to expunge XXXX. EQUIFAX, however, knowingly and purposely tries to evade, deflect, harass and use red herrings in fulfilling its duty under the law to resolve disputes. EQUIFAX is exceedingly stubborn about resolving this issue. It stonewalled and roadblocked every legitimate dispute that I submitted to them. They decided to ignore my CFPB complaint. Their conclusion is nothing short of frivolous assertions of trickery and waste of time. I denounce these games in the strongest terms. In the latest incident, they added more negative information on my credit report. This is unlawful conduct. EQUIFAX has a legal duty to investigate disputes and resolves them before smearing someones reputation Here, EQUIFAX fails to resolve the dispute, which amounts to defamation. EQUIFAX did not do its job in resolving the XXXX listing in line with XXXX and XXXX. I did not ask EQUIFAX a favor. I am asking EQUIFAX to be consistent with XXXX and EXPERIAN. This flaw that my EQUIFAX XXXX Scores to be lower than those of XXXX and XXXX by at least XXXX points. I ask the CFPB to enforce the United States Commercial Laws against EQUIFAX, which chooses to evade, deflect, harass, XXXX and employ red herrings. I also call EQUIFAX to be neutral when disputes arise. Do not call XXXX for me and copy their erroneous data supply. You can not be vested heavily in one side of the disputing parties. Neutrality is a paramount requirement for every dispute resolution. This is unacceptable under the United States Commercial, Securities, and Reporting Laws. In conclusion, EQUIFAX is in flagrant violation of the United States Consumer Protection, Fair Competition and Civil Rights Laws. I ask the CFPB to enforce the United States Commercial Laws against EQUIFAX, which chooses to evade, deflect, harass, XXXX and employ red herrings.
Consumer complaint received 2023-02-15
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IN)

In accordance with the Fair Credit Report act, XXXX XXXX XXXX, has violated my rights. 
5 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2019-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (PA)

On XX/XX/2019 I requested my free annual credit report from Equifax. They are refusing to provide it unless I submit my w2, copy of drivers license, copy of utility bill etc. 
My name, address and social security number hasn't changed in XXXX years and I request a copy of my credit report each year for the last XXXX years. Equifax is just trying to make it impossible for me to get my free annual credit report without hassling me.
Consumer complaint received 2019-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

Carrington Mortgage LlC have added fees to my mortgage with no explanation, every time I ask what the fees are for their from your old mortgage company can you send me a letter with a detailed breakdown showing the fees. You will have to call another 800 number. They have added fees to make my mortgage payment increased.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

As I understand it, under FCRA 605B, wrongly reported accounts should be taken off credit reports. I'm not sure what went wrong, but please check the accounts in the documents. They are inaccurately reported on my credit, causing distress. I need your help.
Consumer complaint received 2021-06-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (FL)

they keep calling say i owe these debt when i know nothing about i just want them to stop calling me and my credit score fix XXXX {$620.00} XXXX {$390.00} XXXX {$770.00} XXXX {$840.00} XXXX {$950.00} XXXX {$840.00}
Consumer complaint received 2019-06-24
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: REGIONS FINANCIAL CORPORATION (IL)

To whom it XXXX Concern, I recently purchased a home and had a " mortgage XXXX XXXX '' try and help me. When I showed up to the closing after a year long process. I found out that the mortgage loan processor had overstated the loan and gave the seller an extra XXXX for the sale price. My lawyer was shocked and she stated this never happens. I asked him for help his name is XXXX XXXX he said there was nothing we can do that the seller would have to give me the money That is illegal, so now I am invested into a house that was originally being sold for XXXX to XXXX. I was told that this money would be coming to me, so I invested money into the home, that the seller should have invested in. This is not right, I should not have to pay interest on a loan, that was not stated correctly. I feel I was backed in a corner to sign. Also XXXX said he would try and help and he never did.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX  emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account XXXX  XXXX Bankruptcy XXXX XXXX : XXXX :
Consumer complaint received 2020-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

XXXX ; Experian and XXXX should not be reporting a balance of {$390000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was sold to XXXXXXXX XXXX XXXX XXXX XXXX needs to report a {$0.00} balance. This duplicate reporting of a balance due is seriously harming my credit score and this line item needs to be updated. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus, as well as XXXX to fix this however, I have not been successful.
Consumer complaint received 2019-06-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB, Inc. (MN)

Hi, My daughter 's insurance is managed by her dad. All the medical bills associated with her XXXX or care through the XXXX  XXXX  XXXX  should be in his name, and as well as all the other medical bills when I was out f work. This a problem. I called to have the bills transferred into his name but that has not happened. 

I also filled out a financial application which they have lost through XXXX and the University  XXXX XXXX. This is also includes bills for the anesthesiologist. There are also bills that have been sent to collection agency companies without going through the insurance claim process. The two companies are XXXX XXXX, XXXX XXXX, and XXXX- XXXX. 

The other problem is that the insurance company which is XXXX can not speak with me about the bills because my daughter 's coverage is in her dad 's name. XXXX met her threshold for her deductible in XXXX of 2018.
Consumer complaint received 2019-06-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation (CA)

XXXX XXXX XXXX XXXX / PHH Mortgage Services, chooses not to look into loan errors affecting my loan assistance request. This loan servicer is not treating me fairly but opts to foreclose on me, yet my household income is currently stable and adequate to save my home.

1. Part of the reason my loan modification was denied, is because this servicer has incorrect data input on my loan file.

2. This servicer also did not calculate my income correctly during the loan review.

3. This servicer is keeping the foreclosure saledate active, as they will not bother to look into the other claims in my appeal request. Its seems much easier for this servicer to foreclose on me, than investigating my loan file or analyze it appropriately for a possible home retention plan. 

The circumstances that led to my default were inevitable and are behind me at this present time.
Consumer complaint received 2022-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (TX)

I am on a XXXX XXXX XXXX Subsidy and I have to get proof from the XXXX XXXX on XXXX that I did NOT have any debt before being able to move out. XXXX XXXX XXXX XXXX is under contract to pay XXXX on XXXX for rental assistance on my behalf and I ABSOLUTELY COULD NOT MOVE OUT OF THE XXXX ON XXXX IF I HAD ANY BALANCE NOT PAID.I RECEIVED A CLEARANCE LETTER FROM THE XXXX ON XXXX STATING THAT I HAD NO DEBT, NO MONEY OWED, AND RELEASED FROM THE CONTRACT WITH XXXX ON XXXX.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX Bankruptcy Case Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX. XXXX XXXX Account Number : XXXX. XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-12-14
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. (NJ)

Hi I am submitting this 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. XXXX XXXX has me at a credit score over XXXX has me at a score around XXXX. 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 homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2019-06-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: 60 Month Loans, Inc. (CA)

i was offered a loan of $ XXXX@ 19.47 % but when i applied for it real. it came out {$2600.00} @ 69 %. they ran my credit and got all the bank statements. i want them to remove my hard inquiry on my credit report and report it to credit unions for removal of hard inquiry. thank you
Consumer complaint received 2019-06-24
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I called Capital One Auto Finance roughly two weeks ago for the purpose of correcting inaccuracies on my credit report. I cleary explained to the representative that I was serving my country with the U.S XXXX during the time the payment for the vehicle loan on the 2014 XXXX XXXX. I explained that I assumed the payment where being handle by my now ex-wife a the time but found out that they where not being paid. I only found out that the payment where not made because the vehicle was involved in a accident which resulted in a total loss. I was left with a car upside down on a loan in which my GAP insurance and car insurance covered most of the loan. I made a payment to settle the balance of the loan. I am trying to purchase a home but with Capital One Auto Financing reporting such negative remarks/late payment on all 3 credit bureau, this is causing me emotional distress and would never own a home but rent a house my whole life. I have attached a response from Capital One credit card that I had the same problem with payment not being made by ex wife showing the time frame of me serving my country which corresponds with the date that the vehicle started to report late.
Consumer complaint received 2023-04-03
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. (VA)

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. XXXX XXXX XXXX : ACCOUNT # XXXX, both XXXX  ACCOUNT # NOT SHOWING, XXXX XXXX  : ACCOUNT # XXXX, XXXX  XXXX : ACCOUNT # XXXX, XXXX XXXX XXXX : ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX, XXXX ACCOUNT # information is incorrect delete account. 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 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

i have been sending letters to the cras ( XXXX EQUIFAX, XXXX ) to get this matter corrected since XX/XX/2021and they has done nothing or responded to my letters, it has been more than 30 days without no response.i am complaining about the inaccurate bankruptcy that they are reporting and won't delete it from my credit report.i even sent more letters off onXX/XX/2021 about the same situation and i am getting stress out behind this cause i am getting taking advantage of. they wont update the inaccurate personal information either.
Consumer complaint received 2019-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (TX)

PayPal MasterCard had charged security card charges to account which caused card to go over limit even after no purchases were made after 2. Had been charged this service since 2011 which grossed {$1800.00}. Called security card charging company ( synchrony ) which in turn refunded credit towards bill. Spoke with PayPal to ask if security card charge fee incurred interest, person said no but would gladly remove lasts months interest fee. Only {$2500.00} was made in purchases in which over {$2000.00} had been paid to card company and after {$1800.00} was credited to account, it had left a {$1600.00} balance which I believe was caused by interest charges on security card charges. Asked to speak with someone else, which in turn was no help and I was hung up on.
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I have contacted Equifax several times about removing that ridiculous fraud alert. I even created an account on my equifax but there is no option to remove it. The alert is causing me denials for credit. i want it removed immediately before I sue equifax.
Consumer complaint received 2020-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In late XX/XX/2020, I was notified that I had several negative items on my credit report. Of these negative items, that spanned over a number of years, accounts like auto loans, car insurance, credit cards, bank accounts and student loans were opened in my name have all been charged off, closed, and sent into collections. I have sent ancillary documentation to the creditor and credit bureau to have these items removed.