davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-24
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. (FL)

I submitted a identity theft report to Transunion and XXXX and they both denied me my right to have the information blocked from my credit report. I was not given a reason as to why the information wasn't removed, they also did not block the information from my report within 4 business days as they are supposed to. This is infringing upon my right as a consumer to have corrected and updated information to be shown on my credit reports, this hurts my ability to obtain credit. I would like to request that they immediately delete the accounts that are fraudulent and do their best to keep inaccurate info off my reports and from hurting my chances at obtaining credit.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 U.S.C 1681. Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Have violated my rights. 
15 U.S.C. 1681 section 602A - states that I have the right to privacy.

15 U.S.C. 1681section 604A section 2 - states that a Consumer Reporting Agency CAN NOT furnish an account without my written instruction.

15 U.S.C. 1681c- ( a ) ( 5 ) Exclusions - states that No Consumer Reporting agency may make 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-26
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: EQUIFAX, INC. (GA)

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 U.S.C 1681. Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Have violated my rights. 
15 U.S.C. 1681 section 602A - states that I have the right to privacy.

15 U.S.C. 1681section 604A section 2 - states that a Consumer Reporting Agency CAN NOT furnish an account without my written instruction.

15 U.S.C. 1681c- ( a ) ( 5 ) Exclusions - states that No Consumer Reporting agency may make 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Old creditor remarks late payment in 2020 then transfered to new creditor after being dissolved. New creditor payment history 100 % on time. Dispute with credit bureau unresolved as new creditor XXXX advised me to file a complaint/dispute because they can not remove remark from old dissolved servicer.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX Original Creditor : XXXXXXXX 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 2019-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (NC)

I called Round Point Mortgage for the followup of the Complaint with CFPB Complaint XXXX. The guy named XXXX XXXX me and told me that they going to issue the check dated on ( XX/XX/XXXX ). He has given me the XXXX number ( XXXX ) and promised me that I will receive the Check by XX/XX/XXXX. When I called the customer service to inquire about the Check, They told me that it was generated and was not dispatched. I sent so many emails and I haven't heard anything back from him. 
Looks like he is lying to me. I wasted long hours to resolve the issue but it didn't happen so far. This my third complaint on the same issue and the issue hasn't Resolved. 

1st CFPB Complaint number:XXXX-XXXX  2nd CFPB Complaint number : XXXX-XXXX
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I WHEN TO THE CAR DEALERSHIP THE SAID THEY WAS GOING TO DO XXXX ONLY AND THEY ALOT OF DIFFERENT BANKS XXXX XXXX XXXX ( FINANCE ) XXXX XXXX  ( FINANCE ) XXXX XXXX XXXX ( BANK ) XXXX XXXX XXXX XXXX XXXX ( BANK )
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights 15 U.S.C 1681 section 602A states I have a right to privacy 15U.S.C 1681 section 604A section 2 : it also states a consumer credit reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-04-08
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. (NY)

I was attempting to purchase a vehicle and I realized I had damages on my credit report. I reached out to XXXX, Experian and XXXX regarding the charged off XXXX XXXX  & XXXX accounts listed and the XXXX hard inquires, but I had no luck. I was told by a representative, that companies have the right to access my reports, as long as they possess my information. That is FALSE. According to the 15 U.S. Code 1681- Congressional findings and statement of purpose law, It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. The XXXX credit bureaus are not recording my information accurately, which is not fair and not equitable to me. There should not be any damages on my report. That is a defamation of character.
Consumer complaint received 2023-03-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. i feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

XXXX Bank/XXXX XXXX sold my account to portfolio recovery. I contacted both companies to settle the account. Between XX/XX/XXXX or XX/XX/2016 I made a settlement with XXXX XXXX to pay my debt and have it removed from my credit report. XXXX XXXX and XXXX bank is reporting paid in full/paid collection. This should have been removed completely. I would like this removed from my credit report.
Consumer complaint received 2021-07-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

I was scammed XXXX USD from transferring crypto ( ETH & BTC ) to a fake trading platform called XXXX. 

When I wanted to withdraw the money from XXXX, I received an error message that stated, " Your account is in an abnormal state. '' I contacted their customer service through XXXX. They responded that I needed to deposit 22 % of the principal investment due to international anti-money laundering regulations in order to proceed. Few days later, their customer service threatened me to deposit or else the account will be frozen.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX Balance Owed : {$310.00} XXXX XXXX Balance Owed : {$610.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$290.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$820.00} XXXX  XXXX Balance Owed : {$830.00} XXXX XXXX XXXX XXXX Balance Owed : {$15.00} XXXX XXXXXXXX Balance XXXX : {$640.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2021-06-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (FL)

Back in XX/XX/XXXX Hurricane Irma we were hit by the storm and declared in a state of emergency which was to be protected by FEMA. I reached out the JP Morgan to ask if I could delay a month payment in XX/XX/XXXX to fix the front overhang ( ceiling ) which blew down on my property. The gentleman on the phone stated yes but " you would be treated differently ''. So at that time I decided to do what I can to which was to safely secure the property. In sight of his comment I thought it would be in my best interest to continue make payments. Soon after, I received a letter in the mail telling me to take eight additional month to fix the property. ( which I didn't request ) so I disregarded the letter and continued to make my payments. Unfortunately, my company laid me off in XX/XX/XXXX but I pull the funds from my 401k plan to make payments up until XX/XX/XXXX. XXXX I went to make the payment and the cashier canceled the check and to me she couldn't accept the payment and stated I must call Chase 800 number. Thereafter, Chase summon me with foreclosure papers. I couldn't understand what was happening because I was making the payments, protected by FEMA and wasn't in breach of my Home Affordable Modification Agreement. Chase would not dismiss the case because they had already sold my loan without my knowledge to XXXX XXXX. XXXX XXXX reported on my credit report without my knowledge. In XXXX I pulled my credit report and saw them listed. Chase still couldn't dismiss case because they didn't own the loan and I didn't know at the time what happen. Now I'm in a facing foreclosure with mounting fees, investor stress who is waiting to buy my property after this fraudulent act. 
My options are to accept a modification today before finding a job or go to court on XX/XX/XXXX to be evicted and be homeless. I'm gainfully employed at the moment but frantically looking in the midst of the pandemic or go to trial XX/XX/XXXX and be put out within a month or request for an extension for 3/4 months to move. I live in my home for 24 years and I have no where to go and want to save my only investment. Please help me. Trial is set for XX/XX/XXXX, I giving you the XXXX County CASE # XXXX. Please note : my account number is no longer it was change when acct was sold but now transferred back to Chase due to my case. 

My desperate plea for intervention. 

Thank you
Consumer complaint received 2023-10-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Specialized Loan Servicing Holdings LLC (VA)

I am sending this second complaint against Specialized Loan Servicing ( SLS ). 
Specialized Loan Servicing continues to move forward with the scheduled XXXX sale date. I have requested several pieces of information and sent the Notice of XXXX regarding the errors that have taken place on my account regarding the handling of my Mortgage Assistance application. The Qualified Written Response requests information that I believe is not accurate. 
I have requested the cancellation of the XXXX  sale date as all the above items are outstanding and in question. In addition, I have a ratified sales contract to purchase my home! `o I have received nothing!!! Specialized Loan Servicing continues to disregard requests and move forward with complete autonomy. Adhering to no request and ignoring federal guidelines and procedures.
Consumer complaint received 2018-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have multiple inquiries on my report that is not of my own doing, I'm trusting that this will not be a long fought battle with the 3 major trusting reporting agencies that we all depend on to report accurate information that's proving by physical documentation. Inwhich is the law of the FCRA, the following Inquiries in question are the ones with the following dates,XX/XX/XXXX
Consumer complaint received 2021-07-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: GVA Holdings, LLC (CA)

I called the company on XX/XX/21 and the phone number was no longer good. The Lender. Target Cash XXXX was supposed to deposit loan of {$1000.00}, but did not. Yet Target Cash had previously deposited {$1000.00} into my account and instructed me, as a good faith measure, to use that money to purchase {$1000.00} worth of XXXX XXXX cards and text the company photos of the cards. After the completion of this task, my {$1000.00} ; loan was supposed to be deposited on XX/XX/21. However, this did not happen.
Consumer complaint received 2021-07-12
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: Chime Financial Inc (MS)

On XX/XX/XXXX after XXXX my chime account was hacked and i immediately called chime i was furious XXXX was stolen chime told me that i needed to wait 7 to 10 business days for it to finish pending. Once finished i disputed the transaction and still chime did nothing but blame it on me and provided a unsatisfactory report of their findings accused me of being a frequent XXXX XXXX user and a multiple disputer which doesnt matter chime has had errors with me in the past and yet i stuck with them it has put me and my children in a very financial hardship. I also contacted XXXX XXXX and they explained how it happened chime wont take responsibility for this and i need my money back.
Consumer complaint received 2022-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (AL)

We had two accounts with Synchrony Bank, one was an XXXX credit card and the other was an XXXX store account. Both were in good standing and we were paying the accounts down monthly. The XXXX account included a rewards points program and at the time they closed the account there was {$75.00} available in points and another {$75.00} that would become available after the specified amount of time after purchases. 

With no warning, the XXXX card account was shut down and the reward points were taken away. I went ahead and paid off all that was due on the XXXX card. I called Synchrony for an explanation and spoke to someone at a call center who told me they had no access to the reason behind the account closure but that a letter would be mailed to me explaining everything. A week later we received a letter stating that Synchrony viewed me as a high risk for nonpayment ( even though I was never late and have a good credit score ). That was the extent of the explanation. About a week later, we got another letter, this one on the XXXX account, stating the same thing. 

What happened with the XXXX rewards was fraudulent, not to mention the fact that closing accounts like this can be damaging to my credit, which can be real financial damage to me. We were trying to buy a house in the next year and this could cost me with the interest rate we are able to secure. 

Synchrony Bank should not be allowed to damage innocent customers with unaccountable immunity. A quick search on the internet will reveal that this is a pattern for Synchrony lately. 

I tried to talk to someone at Synchrony would could help or at least explain their reasoning but, of course, that is not possible. The people who make these decisions are well insulated from the ones they are affecting. 

XXXX XXXX
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (OR)

Today, XX/XX/XXXX Experian via XXXX XXXX used the guide of getting an Auto loan to force me to join a service I have no iso for and they didnt even get me any loan because they stated Oregon law forbids them to do that. This is infornation Experian knew before preying on my desperation and abusing their position with promises of a guaranteed loan of some sort. Unethical, even cancelling my membership and refunding my {$1.00} Is inadequate when a credit reporting agency offers to boost your credit or secure loans for you if you join their paid services. Feel like they are holding me XXXX by not giving me a FICO score which I was given one in XX/XX/XXXX - feel Experiam is dirty, dirty, dirty and plays with people 's lives.
Consumer complaint received 2020-09-23
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: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/2020 I have sent a certified letter to XXXX XXXX Suntrust Bank disputing an auto loan that does not belong to me. The auto loan is a business loan that belongs to my father, who has the same name as me as well as lives at the same address as me. Even so my date of birth & ssn is obviously different. I have submitted a copy of my birth certificate & drivers license as proof of identity as well as a copy of my recent bank statement. I have patiently waited more than XXXX with no resolution, from Suntrust Bank. The account shows positive payments as my father pays on time. The issue is preventing me from purchasing a home due to the added debt-to-income, that is not mine.
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

I have contacted Experian regarding this inaccurate reporting. I disputed the items and requested a method of verification and they responded with XXXX XXXX as the data furnished. I in turn contacted XXXX XXXX and that have no record of such public information on my record. I have been given the complete run around and they have lied to me time and time again. This has impacted me form obtaining employment and is hindering me from obtaining any credit
Consumer complaint received 2019-01-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

I have sent letters citing the laws within the united states to provide proof that this debt is mine. 

I have gotten no responses and have already asked for proof over a 60 day period. 

I have included the letters i have sent.
Consumer complaint received 2023-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Atlanticus Services Corporation (GA)

Fortiva credit card has 2 credit card accounts that were opened as a result of identity theft. Ive sent documentation verifying that however they continue to not honor the request to investigate and remove the fraudulent accounts.
Consumer complaint received 2022-07-26
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: EQUIFAX, INC. (CA)

The inquiries listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below as a result. 
INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX