davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged 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 2019-04-24
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Simple Cash Loans, Inc., (CA)

So what Happened here I paid in full and can't get a release of my title from them they refuse to give it back it's been two months going on three. They are simple cash loans llc XXXX XXXX XXXX. They obtained loan Thur none truthfully actions now they been paid and not will to give back my title. They paid out XXXX and received back almost XXXX and won't even return my calls or email all they do is text
Consumer complaint received 2019-04-15
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I purchased 4 {$2500.00} CD 's from MBNA XXXX XXXX back in XX/XX/XXXX. The bank was subsequently sold to XXXX XXXX XXXX XXXX. When I tried to redeem my certificates of deposit they were unable to locate the certificates. I have contacted all parties to recover my funds however ; no one seems to be able to help because of the time lapse from XX/XX/XXXX when they matured. I have the certificates with account information in my possession. I feel that I was protected when i purchased the CD 's through the FDIC. It is my understanding now that once the bank was sold to another bank that that bank may not be covered under the FDIC. The CD 's are MBNA Platinum Plus CD. I am out over {$10000.00}. I have also searched all states for abandoned property. 

Very concerned, XXXX XXXX XXXX.
Consumer complaint received 2019-04-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I have submitted documents in order to short sale my property and face a foreclosure on my credit report I submitted XXXX and pay stubs and all other docs through a friend of mine. I was denied because a box on the Request do mortgage assistance had a box unchecked the ask whether or not I am receiving unemployment. It is clear that o am not I submitted pay stubs and a XXXX. I believe that sps have violated my rights and intentionally ignored my file. I was told to resend file them I was told no enough time to review file.
Consumer complaint received 2023-07-25
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. (FL)

For the last couple of months I have been sending letters to the credit bureaus about inaccurate, duplicate and reporting accounts in my credit reports that is in violation of the law, but the credit bureaus keeps reporting them without any further investigations. I need your help on this matter. Thanks
Consumer complaint received 2019-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA (MA)

Hello, Today 's date is XX/XX/19 I have a First National Bank ( FNB ) of Omaha Orvis Credit with a {$3000.00} credit limit, which is paid off monthly. 

FNB allowed a transaction to be posted against my credit card which allowed my credit limit to be exceed. 

I have NOT opted in to over-limit fees so the expectation that any transaction is declined if there isn't enough available credit to cover it. 

I have contacted FNB and their representatives indicated have no hard stop of purchases that exceed credit limits as they find their card holders to be upset and they do not wish to have to communicate with them, so they allow over limit purchases.

I asked if I could have a hard limit set on my account and they said no, they can not do that.

I have contacted two ( 2 ) out of three ( 3 ) credit bureaus and they said that FNB should provide a later to sort this indicating FNB 's misstep. When this was communicated to FNB, they said no, they will not.

At this point, given the above I have to accept what appears to be a business practice of FNB that is in direct conflict with the " Credit Card Accountability Responsibility and Disclosure Act '' which indicates that over limit purchases should be declined.
Consumer complaint received 2019-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I have mailed Equifax my report from the ftc identity theft report, along with my identity theft report that is notarized, and a copy of a police report stating that I was a victim of identity theft and Equifax fail to remove some of the accounts stated on the report. The accounts that are on the identity theft report and police report are the U.S. Department of Education, and they are incorrectly report my child support from the State of Alabama after I have disputed it numerous of times.
Consumer complaint received 2023-07-25
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. (TX)

I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXX Account Number : XXXX It's showing that I've had five late payments. But here 's the thing, I've never been late on my payments for this account. 

Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.
Consumer complaint received 2020-01-28
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: Experian Information Solutions Inc. (CA)

I have repeatedly disputed a fraudulent charge on my credit report from a company named XXXX XXXX XXXX XXXX XXXX and Experian continues to report it. I have no knowledge or ownership of that account and it is preventing me from acquiring a mortgage loan and must be removed immediately.
Consumer complaint received 2019-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (PA)

I have had this service for more the seven years, the more I use them the more bad credit I ended up with. Speaking on this year a lone what they have been doing has stop completely. When calling them on these matters they had no answers, I could only take they where just collecting my money every month as some kind of support. When calling and hearing this I requested to stop all and any services, this was in XX/XX/2019. They have continued services by E-mail. In hoping too have a large pay day of some time in my future. By my Credit Report!
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2022-11-30
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: U.S. Auto Sales Inc. (GA)

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 US Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Requesting More Information To Whom It May Concern ; I'm seeking more information about an account which I opened with your company. 
Please provide us with the following information : 1. The original Retail Installment Sales Contract or Lease Agreement, associated with the sale and financing/leasing of this vehicle. PLEASE BE SURE TO INCLUDE ANY ARBITRATION PROVISIONS.

2. The full payment history on this account. That includes monthly balance, required minimum payment, and the actual amount paid. Please be sure to include the date of each payment.

3. The Notice of Sale/ Notice of Default, informing me of the date, location and method through which the vehicle would be sold, and how I could redeem the vehicle. PLEASE PROVIDE PROOF OF MAILING FOR THIS LETTER.

4. Explanation of Calculation of Surplus or Deficiency, including an itemized description of costs and fees. PLEASE PROVIDE PROOF OF MAILING FOR THIS LETTER.

5.Any notices regarding our clients right to redeem personal property contained in the vehicle. PLEASE PROVIDE PROOF OF MAILING FOR THIS LETTER.

6. Details regarding whether this was a public or private sale. If this was a private sale, please advise as to whether this was a wholesale transaction ( dealers/ vendors only ) or open to nonprofessional buyers.

To respond to this letter, you may contact us by email or USPS mail. PLEASE NOTE THAT EMAIL IS SIMPLER FOR BOTH YOU AND US.
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Experian, XXXX and XXXX willfully and negligently non complying with federal law by reporting inaccurate and unverifiable information on my consumer report. [ They ] claimed, after " investigation '', as " verified '' ; however, neglected to provide the method of verification they used. See 1681 ( a ) ( a ) ( e ) as well as 1691 ( a ) ( 3 ). What friends did they speak with? What neighbors? What associates? Was the investigative information they collected, factual? I did not authorize, consent or give permissable purpose to the furnishers of these inquiries. No contractual agreement between me & furnisher stating I gave them permission, consent to or authorized this transaction.
Consumer complaint received 2019-04-15
Product: Credit card or prepaid 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. (SC)

At the beginning of XX/XX/2017 I got a phone call from a company that I thought was my timeshare, claiming I owed {$6200.00}. I then paid them on my chase credit card # XXXX. At the time I was dealing with my son being deathly ill and wasn't paying too much attention to my bills. After a few months I realized this was not my timeshare that called me but instead was a company trying to scam me in the timeshare industry. So my friend helped me contact my chase card and we let them know that I was lied to and taken advantage of. Then, chase credited me back my money. I then asked chase to issue me a check for the money and then closed my account. I was very happy. Two months later, Chase contacted me stating that they wanted the money back which I feel is completely unfair and I should not have to pay. What kind of card company would do that to their customer? I am very upset with this situation and I feel as though I am being taken advantage of once again. I do not feel like I am liable to pay something that I should never have been charged for in the first place. I am elderly and do not agree with how I am being treated as a senior citizen.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (NJ)

My wife and I were under a forbearance agreement with PHH mortgage. We gave them one payment at that time of what we could afford, PHH started the billing process on us and stated that we were late now. They reported us late for the next 6 months till we had to work out payments and a loan modification. Since then, we have paid on time every month. We have complained about the negative reporting before, and their response is as always. Per the fair debt collection act, we have the right to report what we want. I have advised them that since they agreed at the time to follow the cares act, they are governed by the rules and not allowed to report something negative like that. the past two times they have stated they would check into it and have someone get back to us. Recently we applied for an equity loan and was turned down because of our payment history from the mortgage company. With a forbearance in place and after the modification we signed with them they have continued to show and report negative remarks from our past history and from our late fees and account issues from the forbearance time. they see in their system that we signed the forbearance agreement however they didn't follow the rules on their side. I have done the research and found that they have done this to several other clients also.
Consumer complaint received 2019-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

I disputed a late payments on my credit report that were showing from XXXX XXXX XXXX on XX/XX/XXXX. As a result of the investigation the status did not correct the late payments. But instead it changed my status from Paid with having the late payments to a Charge off. I was totally confused by this because my truck was paid off in XX/XX/XXXX. So I contacted the bureaus and they stated the charge of was I XX/XX/XXXX. I sent the bureaus proof which were bank statements that showed I made the payments to XXXX. I also sent the same bank statements and disputed it with XXXX. The bureaus continue to sent me result letters stating that the information is verified by the creditor. They are ignoring the fact that I showed them the bank statements showing I paid the truck off. The bank statements show payments made in the month they show late payments and charged off. This is not Fair.
Consumer complaint received 2023-07-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC (NV)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that not proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2019-04-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (PA)

We have been ill and tried to keep up. We filed a Chapter  XXXX in XXXX and were paying regularly. In XX/XX/XXXX the payment suddenly rose from a manageable {$1400.00} to {$3200.00}. We are both on Social  Security+ pension and our total per month is {$2700.00}. We asked our Attorney { XXXX XXXX from XXXX, PA ] how and why. He said 'because they can ' and that we would need to find a way to pay it! We couldn't and we had to suspend our plan in XX/XX/XXXX. The total mortgage owing was {$61000.00} at that time. Our loan servicer was OCWEN. They have refused to work with us in any way. We couldn't even pin them to a mortgage amount and our attempts to pay resulted in the checks returned. We attempted to get another Attorney to help and all required ~ {$5000.00} retainers! Now they have 'foreclosed ' and we just received an 'ejectment ' notice! We built this home 25 years ago, we are elderly and ill. We need HELP!!! Please help us to stay here. I guess we'll need some type of stay until we can secure a loan to start a 'buy-back? I will also appeal to XXXX for some help.
Consumer complaint received 2022-09-08
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Navient Solutions, LLC. (NY)

This is my second attempt to NAVIENT. I have sent certified mail on XX/XX/2022 with returned receipt to NAVIENT for this alleged debt for the amount of {$11000.00}. I never received any correspondence via mail from NAVIENT. I never received verification of this alleged debt and full disclosure.
Consumer complaint received 2019-04-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MI)

We reduced our coverage amount because our XXXX XXXX balance is XXXX and our Home Equity balance is XXXX.I feel {$200000.00} for the dwelling is adequate amount for the flood insurance.
Consumer complaint received 2021-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Upon checking my credit report, I discovered someone used my information to obtain medical care and get credit cards. Ive sent 605b letters to both Equifax & XXXX  with no response. Ive requested all fraudulent accounts be blocked from my credit file and the ftc report and request went ignored. Which is all a violation of the FCRA. The following accounts are fraudulent. 
1. XXXX XXXX XXXX ( XXXX XXXX XXXX ) {$920.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract with this company. 
2. XXXX XXXX ( XXXX XXXX ) {$560.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract with this company. 
3. XXXX XXXX ( XXXX XXXX XXXX ) {$2400.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract with this company. 
4. XXXX ( XXXX  XXXX ) {$67.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract with this company. 
5. XXXX ( XXXX XXXX ) {$420.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract with this company. 

There is also a number of fraudulent inquiries on my report, I tried calling and send proof. With no help. 
Please see attached FTC report.
Consumer complaint received 2022-09-08
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. (SC)

Please remove the following inquires that were NEVER AUTHORIZED by me XXXX XXXX : 1.XXXX  XXXX XX/XX/2022 2. XXXX  XXXX  XX/XX/2022 3. XXXX XX/XX/2022 4. XXXX XXXX XX/XX/2022 5. XXXX XXXX XXXX XXXX XXXX 6. XXXX XX/XX/2022 2022
Consumer complaint received 2019-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HEARTLAND PAYMENT SYSTEMS INC (NC)

Heartland ECSI a distributor for XXXX XXXX released a deposit on XX/XX/2019 for {$130.00} to XXXX XXXX in error because the XXXX account or routing numbers matched the system as a XXXX XXXX account. I have disputed error with both banks since last week and my money has not been returned to XXXX to correct and release to me. Please contact XXXX and XXXX XXXX to straighten out situation. Thank you this is XXXX XXXX SS # XXXX email address XXXX phone number XXXX.
Consumer complaint received 2018-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/2018 CapitalOne Account # XXXX This account was inactive and closed account for nearly a year. They suddenly charged me a membership fee of {$39.00} that I paid to avoid hurting my credit score. Call the company and file the complaint. It shows that it was inactive / closed but I am still charge the " membership fee '' They admitted that this account is inactive. They refused to reversed the " membership fee ''. I think it a scam for them to suddenly charge a so call membership fee. 

The refused to give me a cancelled confirmation but gave me some weird ID number XXXX.
Consumer complaint received 2022-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

On XX/XX/2022 I wrote Equifax to file a formal compliant and investigation into a debt place on my credit report by XXXX account # XXXX for the amount of {$550.00}, with a balance of {$500.00}. This is not my account. Unfortunately your response has gone passed the 45 days allotted by CFPB, I have yet to receive a reply from you or any acknowledgment that an investigation has begun. Also, according to FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. In my initial letter, I listed my reasons for disputing the information. I have attached my first letter. I demand that you comply with CFPB regulations and FCRA 15 U.S.C 1681i you delete those items mentioned. This may be a result of the Equifax data Breech!