davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

A collection account from XXXX XXXX XXXX was reported to all three credit bureaus in XXXX of XXXX. I did not receive any prior notice and immediately requested the debt be validated or deleted. I was subsequently sent a letter from the company on XX/XX/XXXX stating that there is no such account in their office with my information. I am attaching that below. I disputed the debt with all bureaus. The account was removed from my XXXX XXXX XXXX bureaus based on the company 's inability to show a valid account matching my information. On XX/XX/XXXX, the collection account was removed from my TransUnion report. Upon checking my report today, I see that the account has been readded. I have not been sent any additional documentation, validation of the debt, or the notice required before a company is able to add a collection account to a credit report. For this reason, per the law, TransUnion is required to remove this account permanently and not allow it to continuously be added to my credit profile. it is detrimental to my credit health and damaging to my profile.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WA)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. ()

In XXXX, Chase XXXX made 52  charges after I notified them of fraudulent companies operating illegally. Of these 52 charges, there were 34 Debit Charges totalling XXXX XXXXXXXX CAD minus 18 Credit Refunds totalling XXXX XXXXXXXX giving a total shortfall of exactly XXXX XXXXXXXX CAD. This is a serious calculation/computational error which I have tried relentlessly for the past 5 years since XXXX to explain, notify, and illustrate with all the two year 's worth of statements that they have furnished and kept on records which by law must be up to 7 years. 

I am extremely exhausted and devastated by this XXXX XXXXXXXX CAD loss which I have incurred as a result of Chase XXXX  Bank who so callously, negligently, and stubbornly refuses to believe what I have said, citing that it was my fault that I got into this mess and that they can not be held responsible for their own computation errors. This is unacceptable, unprofessional, and uncalled for. I am a paying customer of Chase XXXX, and I was not only defrauded by 9 investment scam companies but also I WAS ILLEGALLY CHARGED FOR PURCHASES I DID NOT MAKE WITH CHASE XXXX THIS IS ANOTHER FRAUD COMMITTED BY CHASE XXXX THEMSELVES AND IS A CRIME UNDER US PENAL CODE 1341 SECTION 18 PLUS SECTION 380 OF THE CRIMINAL CODE OF XXXX, WHICH CAN CARRY UP TO 14 YEARS IMPRISONMENT IF FOUND GUILTY. I NEED THE HELP OF CFPB TO ORDER CHASE XXXX TO PAY BACK THE ILLEGAL CREDIT CARD CHARGES OR ELSE FACE COURT ACTION. 

XXXX XXXX, XXXX XXXX
Consumer complaint received 2019-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (CA)

I have made several attempts for XXXX XXXX XXXX XXXX to remove incorrect debt posted to the credit reporting agencies. They have failed to acknowledge correspondence and continue to submit debt validity and not show proof that debt was paid directly to original creditor when I refinanced my home. Homedepot lost/never cashed check. I tried to request that they waive penalty fees and they refused. Citi Bank/Home Depot sent a settlement letter which was again paid by escrow company. Check was cashed by Home Depot and I shouldn't be punished for their error. 

This issue has been going on for two years and is causing me financial harm.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I received an email from Experian that said a fraud alert was added to my credit report I called to see who added it because I did not give authorization to add a fraud alert to my credit report when inquiring about it I asked the representative who did it she would not give me any information I asked for a supervisor and she hung up in my face
Consumer complaint received 2021-04-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC (KS)

I pay about {$2500.00} extra each month to go directly toward principal on my loan. I have to call in EVERY month to tell them to put the additional on my principal. I called on the XXXX of XXXX to tell them they needed to be sure to apply the money correctly. I checked my online statement on the XXXX, and not only had the money NOT been applied correctly, but my principal balance had gone up by {$1000.00}. When I called and asked what was going on, I couldn't get a straight answer from the clerk. I asked to speak with a supervisor and after waiting for over an hour, I was told a supervisor wasn't available. I was told that my account would be corrected by the following Monday. The XXXX XXXX XXXX XXXX  not only was my account still not fixed, but the balance on my account was now up another {$2000.00}. When I called, again no one could explain it and no supervisor would speak with me. I called again on the XXXX, 2 times on the XXXX, 2 times on the XXXX, and 2 times on the XXXX. I asked to speak with the bank manager on the XXXX and was assured that I would receive a call back by no later than the morning of the XXXX. I still have not received a call from the manager or a supervisor. And my account is STILL NOT FIXED!! It shows that I am past due on my XXXX payment when they received my payment on the XXXX. I have never dealt with a worse bank in my entire life, and no one will return a call.
Consumer complaint received 2021-02-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MD)

XXXX # XXXX and XXXX # XXXX Both of these loans were paid off in full on XX/XX/XXXX when they were refinanced into another loan with a more reputable lender. To this date XXXX XX/XX/XXXX ) I still have not received the over {$6000.00} they claim that they are mailing me. That would be 32 days I believe, not that I even believe their number as they illegally held 2 payments of mine in late 2020 claiming I had authorized some sort of forbearance or other plan I had never authorized in the first place. They are both dragging their feet on money owed to me and mis-stating the amount that is owed.
Consumer complaint received 2022-01-10
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2022-01-10
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting AcXXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2019-09-20
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: F.H. Cann & Associates, Inc. (NY)

The remaining balance on my student loans ( roughly 36,000 in XXXX ) was discharged in XXXX due to XXXX  XXXX. The Social Security Department indicated in the initial paperwork that my case was not subject to any three year reviews. 

That and other documents were submitted to XXXX/DEPT of ED in the initial application and have been resubmitted to them along with other documents several times since XX/XX/XXXX when I first learned that they and FH Cann were reporting over six months of delinquency to the three bureaus. 

None of the agencies had ever sent me notice of any alleged debt. Nor had any of them ever sent any notice of required payment. When I questioned supervisors about this fact they claimed they didn't have any of my contact information. My contact information has been the same since XXXX when I was granted full discharge due to the severity of my XXXX. I have loads of old emails, mailed documents to prove that they did have all of my contact information. There is also no excuse for their failure to look at my credit report and/or public records to find my contact information if indeed they had any confusion. 

The XXXX staff at the Dept of Education told me it was clear that I had a XXXX balance in XX/XX/XXXX. The agent advised me to resubmit a XXXX discharge application because of the bureaucracy involved in making corrections and my emergency situation which all parties have been made aware of. ( The situation which I've explained to all is that I'm facing homelessness as a direct result of the false reporting on my account. I've been turned down for every application that I've made for housing due to the inaccurate reporting. ) The gentleman at the agency also suggested that I file a request for a settlement agreement despite the fact that I have a XXXX balance. These applications were made months ago. 

I've had endless conversations with each party in efforts to resolve this matter. I've submitted and resubmitted all documents. I have still not received any bill or proper explanation of the alleged debt. In response to all of this effort, the agencies took one action. They closed accounts and recycled them into a new claim. 

I am on the verge of being homeless. This is criminal.
Consumer complaint received 2020-02-10
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Counsel, Inc. (FL)

I have been harassed daily by a Credit Council , Inc. bill collector, by the name of XXXX XXXX, after making an agreement ( on XX/XX/XXXX ) of how I was to pay a debt for my company. It was initially about {$30000.00} and he brought it up to {$59000.00} for illogical reasons. XXXX XXXX pretended to be a lawyer and told me he would take me to court if I wasn't going to make some sort of agreement with him. So, I paid a lawyer to figure things out. We settled on me making payments of {$1500.00} a month. I have paid a total of {$31000.00}, my latest payment was on XX/XX/XXXX. He has sent me a message threatening to " have a warrant for my arrest '' to scare me into paying him more money. He calls incessantly to my personal phone and office. He insults my staff, uses profanity and gives out my personal information to workers, claiming that I owe him {$50000.00} and he " doesn't know how I am still able to run a business ''. His calls start at XXXX ( before we open the office ) and continue throughout the day, 3 to  7 times in a row. 
I am really hoping you can resolve this issue.
Consumer complaint received 2020-02-10
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. (CA)

On XX/XX/2019, XXXX  XXXX XXXX locked my joint checking account that is held by me, XXXX XXXX XXXX, and my mother XXXX XXXX XXXX, which resulted in my electronic mortgage payment for XXXX to be rejected. XXXX  XXXX XXXX states that they attempted to reach out to my mother for updated information multiple times, however, they did not do so in her preferred language nor did any of the bank tellers notify her that her information needed to be updated when she did visit the bank during 2019. 

My account was locked without my knowledge and the XX/XX/2019, my mortgage on my mobile banking app showed " pending '' to XXXX XXXX XXXX. I was NOT informed of my electronic payments not going through nor that my e-bills with XXXX  XXXX XXXX were reset so I did not get my e-bills for XXXX. Companies involved included XXXX XXXX XXXX and XXXX XXXX. My checking account was in good standing and I now have multiple delinquent late payments on my credit report. 

Additionally, XXXX  XXXX XXXX has failed to inform my mother in a manner in which she can understand. Her primary language is XXXX. I was notified that no one in the bank could advocate for her or change her preferred language to XXXX without her having to navigate an English website through her online banking. My attempts to resolve the issue with the company resulted in me being told " Is that all? '' Please note, my last name also recently changed due to marriage. Last name is now XXXX.
Consumer complaint received 2016-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (AP)

Fedloan Servicing : Refusal to process Income-Driven Repayment ( IDR ) and Arbitrary " Administrative Forbearance '' XXXX - XXXX/XXXX/2016 for Account # : XXXX. 
Loan Program ( s ) : XXXX, XXXX, XXXX. 
Additionally refusing me consider for Loan Forgiveness although I work for XXXX. In addition to the XXXX programs. 
All letters reference below can be provided. 
~I have provided Fedloan Servicing with the information that they requested - consistently. And, every time you receive the information from me you come up with yet something else that you say is needed referenced by letter from Fedloan dated XXXX XXXX, 2016. 
~I qualify for the " IDR '' and Loan Forgiveness as well but you have denied me this right again ; reference by letter from Fedloan Servicing dated XXXX XXXX, 2016. 
~Fedloan has place me in " Administrative Forbearance '' that I did not request which will cause me eventually to owe more ; reference by letter from Fedloan dated XXXX XXXX, 2016.
Consumer complaint received 2022-12-15
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: Experian Information Solutions Inc. (FL)

To whom it may concern : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2020-02-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I opened an account with HSBC in XX/XX/2008 and have been a customer since then.

Apparently when my account goes into overdraft money is automatically pulled from a line of credit from HSBC. When I go into overdraft I always have cash added to my account within days to cover more than the overdraft. When money is added to the account, they do not automatically pay off the credit line until after they reported the delinquency to the bureau. In the meantime, there is no indication when logging in on the account online that an account is past due or anything.

However as I was not even aware that they opened that line of credit and that it would work that way. I was assuming that they would either decline overdraft transaction or allow the overdraft and any subsequent transfer of cash would cover any negative amount.

Recently, I went overdraft and they funded it with that line of credit, without me being aware of it. As the line of credit balance aged, I was not mailed anything regarding the delinquency. I also was not warned they would report the delinquency to the bureau, all of this while my account actually had more than enough money to cover the amount due. They ended up reporting me to the bureau and I found out about the delinquency in my credit report! I was not even made aware of it by HSBC. When I log in online, I see no notification of any pending delinquency. The worst part is they manually transferred money from my checking account to cover the delinquency AFTER they reported me to the bureau. So they apparently could have paid off the amount due without causing me any lasting damage.

This is a clear UDAAP issue as I am being deceived in the way that my checking account works, I am not notified properly as this line of credit ages and they actually the ability to pay off the amount due before the damage.
Consumer complaint received 2020-02-10
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. (AR)

Every time I will get an insurance quote for auto insurance my quote is extremely high. I have no traffic violations or claims. My agent informed me that it could possible be my credit score. I received my free credit report a couple of weeks ago, and notice there were many items that I never applied for. I need these accounts and items removed. 

XXXX  XXXX {$0.00} XXXX XXXX   XXXX {$660.00} XXXX/XXXX   XXXX {$0.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$760.00}
Consumer complaint received 2020-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I look online at my checking account ending in # XXXX and there is negative balance of {$380.00} and fees. 
A check was written for XXXX XXXX XXXX for {$300.00} as l look on Bank of America print out check on display online. 
There was some errors on written check and it appears that XXXX XXXX XXXX put errors on the check dated XX/XX/2020 and a hold was not written by me. 
There is over excessive fees of {$35.00} by bank of America. 
The check should be voided by Bank of America and XXXX XXXX XXXX and l make a payment arrangements with XXXX XXXX XXXX to payoff the {$300.00} in two months. 
I am respectfully XXXX XXXX, XXXX.
Consumer complaint received 2020-02-10
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Love, Beal & Nixon, P.C. (OK)

Company Love Beal and Nixon : Put a hold on our bank account and said they will take out what's in there. 

We owe them {$3300.00}. Our balance is roughly {$1800.00} ... .that is what we are using to pay our bills and survive. If they take XXXX then we have no money to live on ( family of XXXX -- -XXXX kids, wife and me ). I setup auto payment few weeks ago ... so not sure what the problem is. They could have called and try to get the money that way instead of threatening. A judgement an year ago was already passed that i need to pay them. I have been paying until last few months, when my budget was tied. Got a new job and setup auto payment right away. 
Please assist with this matter. 

Thanks, XXXX
Consumer complaint received 2022-11-03
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Kirschenbaum & Phillips P.C (NY)

Received a " subpoena '' from a debt collection agency for my mother. They included what looks like a judgement for a case but we have never been informed previously about any of this. The " debt '' is from 7 years ago.
Consumer complaint received 2022-12-15
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. (VA)

I'm XXXX XXXX, and I appreciate your taking the time to delete some of the information in my credit file ; however, there are still other items that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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 XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.