davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-07
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$1900.00} and XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}.
Consumer complaint received 2022-02-23
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. (MD)

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 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 XXXX XXXX
Consumer complaint received 2022-02-23
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSWORLD SYSTEMS INC (CA)

Received a letter dated XX/XX/22 from Transworld Systems Inc. that I owed a debt of {$400.00} to XXXX. I called TSI on XX/XX/22 to inquire what this was for. The representative said it was a customs duty fee that I must pay. I explained to him the situation as I had used XXXX to return a shipment to XXXX, and that shipment was refused and sent directly back to me without my knowledge. The representative immediately was on the offensive, telling me it doesn't matter that I didn't ask for it to be returned to the U.S. He stated that this was like any other 'fine ' from the government and I must pay his collection company now. He did not log my dispute and simply move on for further investigation. I hung up the phone and called XXXX, and gave their customer service the same explanation. The reasoning was found sufficient and the charge removed.
Consumer complaint received 2022-02-23
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY (NC)

XXXX # XXXX for an order of 2 XXXX  watches was delivered to XXXX, NH, associated with XXXX # XXXX. 

12/6/21-Received email from the receiver that both XXXX watches were missing from the box delivered. This is shown in attachments XXXX, and XXXX. The empty box is pictured in XXXX. 

XX/XX/XXXX-Called XXXX and attempted to get a refund after explaining the situation. 

XX/XX/XXXX-After the refund was declined from XXXX, I filed a dispute with XXXX XXXX XXXX, explaining the reason for dispute being that the product was not received. I realize that the package was delivered, but the contents I had paid for were missing. 

XXXX-Received a letter dated XX/XX/ ( shown attached in XX/XX/XXXX ), stating that the dispute was closed, and that they disagree with my claim ( which they clearly have no understanding of ). As a starter, they state that the order was shipped to an address in XXXX and was signed for. That's incorrect per the tracking details attached ( XXXX and XXXX ) which show that it was delivered to XXXX, NH. Although this is irrelevant in a sense because the problem was the XXXX  watches were missing from the box, it shows the unwillingness of XXXX XXXX XXXX to investigate critically in the matter, and the overlooking of blatant details in the dispute. 
They state that the order was placed via my email address. That is correct but has no relevancy here as the charges were authorized my myself ; the goods were simply missing from the delivered package. 

Based on their reasoning, it's fair to assume that they believe that the reason for dispute is that I am claiming that the charge was unauthorized. That is not the case, and I never said anything of the sort. The XXXX  watches were missing from the delivered box. Under the Fair Credit Billing Act, consumers are not liable for merchandise they ordered but never received.
Consumer complaint received 2022-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

We opened a chase business account on XX/XX/XXXX. 

Chase offers Mobile deposits which we used extensively. We deposited about 14 check on XX/XX/XXXX which they held funds for a period of time which is consistent with their terms. 

Shortly after making these deposits, chase restricted the account for the first time. I called the baker where I set it up in Florida and he unrestricted the account and apologized and said he put notes in the account. The consequence Of this first restriction is they returned one check for {$1000.00} and that employee incurred fees as a result. 

We then made one deposit of $ 50k on around XX/XX/XXXX. 

On XX/XX/XXXX the funds availability was about $ 10k and the $ 50K was being held for 14 days Then on XX/XX/XXXX we went to the branch in XXXX XXXX Mn to withdraw some funds via a cashiers check since we were out of the office. 

They said the entire account was frozen and restricted until the $ 50k check cleared on XXXX Or so. 

This was the second time in a month that this account was frozen and restricted. I offered to have them call the banker which they refused or To Do a three way call with treasury management which they also Refused in order To verify the {$50000.00} check which was being held. 

I said I was only withdrawing $ 2k which was available from the $ 10k that it showed was available on XX/XX/XXXX. 

The bank wanted my ID to verify me which they did but still restricted my access to the account and my available balance until XXXX when the {$50000.00} check cleared. 

I was out of town and stranded without access to my available balance which seem unreasonable by a bank.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (FL)

I have try & try over the for years to get the the credit bureaus to remove stuff from my credit report but they refuse.I see things such as XXXX XXXX # XXXX & XXXX # XXXX & XXXX XXXX again # XXXX & XXXX XXXX & XXXX XXXX XXXX # XXXX & XXXX XXXX # XXXX XXXX XXXX # XXXX & XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX  XXXX #. XXXX XXXX # XXXX
Consumer complaint received 2022-02-23
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: Experian Information Solutions Inc. (TX)

I have been filing complaints for 5 years on Experian for giving out my personal inform and credit report. I am frustrated. So I have been trying to call Experian. That is a waste of time and life. Experian is geared to maximize profit and do as little as possible. Experian did not have permissible permission to give my report to XXXX XXXX XXXX XXXX. But all Experian does is to pass the buck to XXXX who then claims duplicate complaint. So after 5 years of Experian unlawfully releasing my credit report without my permission, nothing never gets accomplished.
Consumer complaint received 2022-02-23
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: CLGF Holdco 1, LLC (OK)

I called genesis card services becuase my destiny XXXX was lost/stolen, I was told they'd send a new card I never recieved it, so I called back I was assured i wouldn't need to make a payment until new card arrived and they issued a new card, it's now been 3 weeks and I haven't received it, I can't access the account to pay it without the new card and I called and they say u have to pay a late fee and they can't remove it even tho I can't access the account to pay it.
Consumer complaint received 2022-02-23
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)

PLEASE FIND ATTACHED DOCUMENTATION SHOWING WHY THESE ACCOUNTS SHOULD BE REMOVED. THE FOLLOWING COMPANIES HAVE BEEN NOTIFIED AND THEY ARE NOT FOLOWING THE FDCPA AND THE FCRA. 
CHILD SUPPORT THIS ITEM HAS BEEN PAID AND CLOSED. THE ATTACHED CREDIT REPORT IS INACCURATE INFORMATION A VIOLATION ON HOW ITS BEING REPORTED. 
UNAUTHORIZED INQUIRIES HAS BEEN PRESENTED TO XXXX AND TRANSUNION. 
XXXX XXXX REPORTING LATE THIS IS CLEARLY A VIOLATION. NO LATE PAYMENT FOR CONGRESS HAS NO DEFINITION FOR SUCH AND AS PER 15 U.S.Code 1666b and 15 U.S. Code 1602.In light of the facts and the laws present it is found that each assignee and creditor, being a servicer of the original creditor, operating as money transmitting business, acting
Consumer complaint received 2017-04-14
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Original complaint is XXXX. I responded to that complaint with my rejection of Bank of America 's Regulatory Specialist, XXXX response. But more recently I received his letter that states there is no evidence to support my claim of customer neglect and abuse. However, in our live phone call he stated the opposite to me, ie. that they had in fact uncovered customer service habits and practices that need improvement.When I asked him how the improvements were going to be made, and what exactly they uncovered, he stated that that was proprietary information so in fact he TWICE acknowledged that there are issues. He also stated that this determination would be in his letter to me but in fact it is not. I want to document these deliberate inconsistencies as attempts to cover up facts. I did in fact experience poor customer service, as well as possible age discrimination because XXXX loan officers, over the phone, and over the course of an entire year, rejected my requests for information regarding refinancing by stating I was ineligible. Mr XXXX, the Regulatory representative, conversely told me over the phone that there are other programs for which I could apply. He then proceeded to attempt to blame me for not pursuing an application! I asked him why I would do that when I was advised by XXXX loan officers that I basically would be wasting my time. I want this update to go to Bank of America relevant employees, including Mr. XXXX.
Consumer complaint received 2022-04-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Coradius International LLC (CA)

Hi, My name is XXXX XXXX. I have an issue with XXXX credit for {$110.00}. Now they added some fees and interest = {$140.00}. The XXXX system appears with two pages because I have seen the XXXX system has been asking me to add the amount for their credit. It is an amount I did not use. 
Whenever I apply for XXXX money, I pay off tried on time. 

I have concerned about what and why they charged. So, I have contacted XXXX customer service several times about this issue, but the online system did not go through with my issue item. They kept sending me several departments to contact. Also, I spoke with the customer services department about this amount ; they did not see that amount, they did not see that section in my account in their system, and they did not know XXXX was asking for the money to add the credit, though, I took the screenshots. I sent it in the report section, but they ignored it. 
In contrast, XXXX reported this issue to American Ciradius International LLC. Now, XXXX Locks me to my account sections. I couldn't get any information, but Please see the message below that I sent to XXXX. 

Hi, My name is XXXX XXXX. Account # : XXXX. I have an issue with the " {$110.00}. XXXX '' of the transaction on XX/XX/2021, and now adding some fees + interest " {$140.00}. '' The worst thing is that XXXX reported that amount to the Third Party collector office. 
The below information is my detailed transaction on XX/XX/2021. 

XXXX XXXX + {$110.00} XX/XX/XXXX Top Up Loading transaction details for XXXX XXXX + {$110.00} XX/XX/XXXX Top Up Transfer from XXXX XXXX XXXX {$110.00} Transaction ID XXXX Transfer to XXXX balance Can you explain why I have to add my money to XXXX credit? 
If you don't, I will sue XXXX and report XXXX. 
Although I paid {$110.00}, why did XXXX report that amounts to the Third Party collector office accordingly???. Why does XXXX need my money to add in the XXXX credit as shown in my account online as " Add money to resolve your negative balance of {$140.00}. '' I need to get a fair solution. 

Thank you. 

XXXX XXXX. 

XXXX XXXX
Consumer complaint received 2017-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Resurgent Capital Services L.P. (IL)

This company is reporting to all 3 of my credit bureaus and I do n't owe them money. They do n't have any signed contracts or documents from their company to prove that I owe them. I have disputed this with the company and they continue to call and harass me. My credit is being impacted.
Consumer complaint received 2023-09-15
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. (GA)

I have made several attempts since XX/XX/2022 and every month afterwards. My last date I sent another dispute was on XXXX XXXX Experian has fail to provide me verification of proof of the bankruptcy of the name and contact person whom they said they verified with at the United States Bankruptcy Court. I also sent a letter to Experian from the bankruptcy court stated that they didn't provide no information to any credit agencies.

Experian also fail to remove addresses and names that does not belong to me.

There are several accounts that is not mines that they keep saying is verified as accurate but I have ask repeatedly for the name and number of the person they spoke with to provide this information and they have fail to do so I really need some help because I'm constantly disputing every single month and have spent plenty of money sending out certified mail to them every single month. This is affecting me for getting a house I need my credit report to be fix, updated and report accurate
Consumer complaint received 2021-08-27
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. (NJ)

I submitted proof that the debt with XXXX/XXXX was satisfied and at XXXX balance and all 3 bureaus claim that they investigated and verified that there was still a balance. Even the creditor verified that they responded with XXXX balance but nobody wants to update. I WANT THIS DELETED AS IT IS NOW INCORRECTLY REPORTED BY ALL 3 BUREAUS!
Consumer complaint received 2017-08-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

They discharged and forgave the loans reported them as discharged, then the law office debt collectors still pursuded unlawful foreclosure. They gave fraudulent info to the court to obtain a judgment for loans that were not ours against even our children who were not on the loans or deed to our home. Ruining their credt too. Then after they sent a letter to the sherriff to not conduct a sherriff sale for the reason that the debt was forgiven and there was a XXXX balance on the judgment, then severalmonths later the same law firm collector tried to conduct a sale anyway with no notice and is trying to unlawfully obtain possession of our poroperty. The Bank made a settlement with me to dismiss the claim, but then again would not take what they told me to send them. This collector Law firm has serveal cases where the judge in one opinion of the supreme court upheld sanctions against them for fraud, submitting complaints fraut with errors, and the judge said it was worth to not that the company XXXX has been under serious scrutinization because of their fraud and he knew of 23 other such cases in his district ALONE he wrote in his opinion. I have somewhat figured out what they do, and they need to be prosecuted and stopped. I will provide what I have learned.
Consumer complaint received 2022-02-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX & XX/XX/XXXX ( XXXX Only ) 60 days late as of XX/XX/XXXX ( XXXX Only ) 90 days late as of XX/XX/XXXX ( XXXX Only ) These are on XXXX only, XXXX and XXXX are not reporting late payments. 

I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
Consumer complaint received 2022-02-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Oklahoma Student Loan Authority (IL)

I applied for a PLSF, Public Service Loan Forgiveness, ( XXXX No. XXXX ) and submitted the new application to OSLA and the U.S. Department of Education -- XXXX XXXX, buy FAX and by EMAIL 12 Times. BOTH ignored my application and never contacted me back or updated the information in the system. My Servicer, OSLA, ignored me entirely, maliciously and intentionally. They still have not processed it and it has been over 30 days.
Consumer complaint received 2022-02-23
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. (NV)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, DEPT OF EDUCATION/XXXX  Account # XXXX, XXXX Account # XXXX, DEPT OF EDUCATION/XXXX  Account # XXXX , Chapter XXXX bankruptcy discharged Account # XXXX, Chapter XXXX bankruptcy discharged Account # XXXX
Consumer complaint received 2022-02-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MD)

I just spoke with a representative from Shellpoint Mortgage loss mitigation today on XX/XX/22 at XXXX EST. I was on a COVID forbearance plan, and I am able to resume payments. I was told that this would not be acceptable, as I used the maximum forbearance time, and I would need to pay 4 months at once. My understanding is that this is not what the law said. If I had been told 4 months ago this would be the case, I would have found a way to make the payments work. This seems predatory.
Consumer complaint received 2022-12-08
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC. (SC)

On XX/XX/22 I sent Caine & Weiner a validation of debt letter because I noticed the account on my credit report for {$500.00}. XXXX shows this account as a COLLECTION and XXXX shows this account as OPEN, INACCURATE INFORMATION. In the debt validation request a CEASE AND DESIST was placed on the collection of this alleged debt during the validation period in which I ask for 30 days to review the documents they were to send me. I received a response XX/XX/22 the letter was dated XX/XX/22. Not only did they NOT send the documents I requested THEY ALSO ATTEMPTED TO COLLECT on this alleged debt which VIOLATED THE CEASE AND DESIST ORDER.