davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-14
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. (IL)

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
TRANS UNION XX/XX/XXXX TransUnion TRANS UNION XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion
Consumer complaint received 2022-05-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

I am sending this complaint with the hope that the Consumer Financial Protection Bureau can assist me. 
My wife passed on XXXX XXXX, XXXX. I engaged a probate law firm, and an Order of Summary Administration was accomplished ( copy provided ). I presented this Circuit Court Order to JPMorgan Chase on XX/XX/XXXX at approximately XXXX XXXX XXXX  time. The branch and person where I presented this order is, JPMorgan Chase, XXXX XXXX XXXX, XXXX, FL XXXX. The persons name is, XXXX XXXX, XXXX, email XXXX. After she consulted with someone ( I dont know who ) in the back area of the branch, she indicated the following. She indicated that they would need five business days to review the Court Order. She provided a reference/escalation number of XXXX. 
I was extremely upset with what she indicated and that same afternoon I sent an email to the email address for the office of XXXX XXXX, XXXX, XXXX. Please see copy which follows, To Whom It May Concern : I am sending this email to communicate a Contempt of Court Order by JPMorgan Chase. 
Today, I presented the attached Court Oder to XXXX XXXX, at the branch address, XXXX XXXX XXXX, XXXX, Florida, XXXX. After she consulted with someone ( I dont know who ) in the back area of the branch, she indicated the following. She indicated that they would need five business days to review the Court Order. She provided a reference/escalation number of XXXX. 
This Court Order is Boiler Plate and does not require a review by XXXX XXXX. The Court Order clearly Mandates, There be immediate distribution of the assets of the Decedent as follows. You can view the distribution specifics on the copy Ive provided. I have adhered to Florida State Law in this case regarding the death of my wife. It is apparent that JPMorgan Chase, is under the impression that they can circumvent Florida Statute.

If JPMorgan Chase continues to ignore this Court Order, I will engage the necessary litigation. 
Respectfully, XXXX XXXX XXXX The day after ( XX/XX/XXXX ) I sent the above email, I received a call which went to voicemail at approximately XXXX XXXX, XXXX  time. This call was from a woman named XXXX ( no last name ) where she indicated that she was with the executive complaint area. Her phone number is, XXXX, ext. XXXX. She has provided no other contact information other than stating that she is in a central time zone. After my leaving two unanswered voicemails, she finally returned my calls. She has just continued with the scripted response, that they need to review the case. 
As of today, Tuesday, XX/XX/XXXX, I have still not received the distribution, as per the Circuit Court Order. This seems incredulous. JPMorgan Chase appears to consider this item trivial, with no regard for Florida State statute. Im starting to wonder if the funds from my deceased wifes account have been misappropriated.

Once again I am very hopeful that you can assist me with this problem. 
Respectfully, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2021-11-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (DE)

We've had financial issues specially with the Covid-19 and have submitted the financial packet to the loan servicing company and twice has been denied. We do not want to lose our home and would like to get more information as to the reasons for denial. the only option given to us to short sale our home
Consumer complaint received 2018-11-28
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Santander Consumer USA Holdings Inc. (TX)

XXXX XXXX XXXX has filed a lawsuit in Texas stating I owe them and I have never even been contacted by them in any way until I was served with court documents. They have not attempted any collection efforts. I have had the same mailing address for 19 years and a separate physical address for the last 4 years and have 4 phone numbers in my name and have not received one call concerning or identifying this matter.
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I attended XXXX XXXX XXXX where I was TOLD I qualified for a GRANT. My mother was with me and we qualified financially for the grant. Never was I told that I would be in debt for this amount of money. I was without a job or practically homeless at the time - there is no way I would have qualified for a loan of {$18000.00} dollars. The person that enrolled me hasn't been there for years. She absolutely told us it was a " XXXX XXXX '' that we would not have repay due to our financial situation at the time. For 10 or so years now I've been penalized for something that I did not have any knowledge of. It's time for this to be taken care of properly. This was fraudulent and presented with malice and absolute false representation by the admissions counselor at XXXX XXXX XXXX.
Consumer complaint received 2018-11-28
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. (TN)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-08-28
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. (OH)

I am in received some letters from XXXX XXXX  XXXX # XXXX****, XXXX XXXX XXXX XXXX # XXXX****, XXXX  # XXXX****, informing me that they are handling the collection of the account mentioned above. However after reviewing my records, I am unable to find any documentation of any contractual relationship between FFCC and myself, XXXX A XXXX, which makes you a person entitled to enforce a commercial claim against me. This is not a request for any verification or validation. 
This is a request for proof of contract, to substantiate your claim. Therefore, provide me a certified copy of the original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who duly swear the copy made is in fact a copy of the original paper contract in question.
Consumer complaint received 2022-05-03
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: AutoNation Enterprises Incorporated (AL)

These companies are ran my credit without my knowledge and made hard inquires on my credit XXXX XXXX XXXX on XXXX XXXXXXXX XXXX XXXX on XXXX XXXX  on XXXX and XXXX XXXX
Consumer complaint received 2018-11-28
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. (TN)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2022-05-03
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: Bread Financial Holdings, Inc. (AL)

These companies are ran my credit without my knowledge and made hard inquires on my credit XXXX XXXX XXXX on XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ComenityCapital/MPRC on XXXX and XXXX XXXX
Consumer complaint received 2022-05-03
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 following companies have 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 an account without my expressed written consent and instructions. The bureaus and the following companies are in violation. Please see below along with the requested remedy. 

XXXX XXXX | XXXX XXXX XXXX  | XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | Inquiry XXXX XXXX | Inquiry
Consumer complaint received 2020-12-14
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. (FL)

On multiple occasions over the past 2 years, I have tried without success to write to Experian, XXXX, and XXXX regarding their posting of a public record that is listed without any written or verbal authorization from myself or the US Bankruptcy Court XXXX District of Florida. 

Based on the National Consumer Assistance Plan ( NCAP ) that was put in place by CFPB for all credit bureaus they have violated the requirements of this program with regards to transparency and accurate entries on a consumer credit report. 

I provided a letter signed from the court stating that they do no report any bankruptcy to the credit bureaus yet they continue to post information that was never authorized to be posted on my credit report. There are also incorrect and erroneous entries on the listings shown on my credit report for this bankruptcy which was not corrected and was ignored by the bureaus, demonstrating they violated the NCAP.
Consumer complaint received 2022-05-03
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. (GA)

In accordance with the Fair Credit Reporting act, the following companies have 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 an account without my expressed written consent and instructions. The bureaus and the following companies are in violation. Please see below along with the requested remedy. 

XXXX XXXX | XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | Inquiry XXXX XXXX | Inquiry
Consumer complaint received 2021-10-11
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: EQUIFAX, INC. (CA)

On XX/XX/ XXXX I sent a letter with respect to off base and obscure things on my credit report. Right up 'til today, more than 30 days after the fact, I have not gotten a reaction at this point. I feel like I'm being taken advantaged of and being overlooked. Section 611 ( a ), It expresses that inability to explore these things inside 30 days gives motivation to quickly eliminate those things from my credit report. It's been more than 30 days so they ought to be erased instantly. I request that these records be erased quickly or I will petition for case because of the pressure you have caused me. My data was additionally affected by the Equifax data breach and may have gotten under the control of some unacceptable individual.
Consumer complaint received 2020-12-14
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: Experian Information Solutions Inc. (IL)

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (GA)

I am writing to dispute the reporting by HMF to XXXX of my liability for a late payment from XX/XX/2019. I will simultaneously be reporting this to the HMF and XXXX for further review. Grievance. 

1. I allege my ex-wife fraudulently processed a chargeback on prior payments made on my lease to HMF. Upon learning this, HMF indicated that their systems had me requesting the chargeback, to which I replied with the allegation. I further asked that they respond to the chargeback dispute inquiry with XXXX to affirm the payment was legitimate. They refused. I was unsuccessful in convincing my ex-wife to make the payments and so they were two months behind with no warning. 

2. When I began receiving calls from collections, I also offered to furnish evidence of the fraudulent chargeback. On XX/XX/XXXX, HMF collections called me with indicating that if I didn't make a payment that day, there would be negative reporting on my credit because we were " at the 40-day mark. I went ahead and MADE A PAYMENT THAT SAME DAY, XX/XX/XXXX. Because I was told this payment would avoid negative reporting, I am here alleging erroneous late payment reporting by HMF inconsistent with their own internal procedures and external communications to me. 

If they are exempt from disputing the chargeback, they most certainly should be held accountable for the communication regarding credit. There is more context to the situation that HMF is aware of and avoided answering the substantive issues above in complaint XXXX. Simply reviewing the payment record without listening to the recording of the collections conversation misses this vital communication, even if claimed as agent error ex post facto. It costs you nothing, HMF, to correct this error in your reporting. It most definitely costs you a customer if you refuse to correct the error. It shouldn't be my credit, in the meantime, that is the only thing impacted. There is an easy and just fix to this well within your power to redress. 

The software below is not processing attachments. HMF has relevant payment history.
Consumer complaint received 2021-10-11
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. (TN)

Im a victim of identity theft and I have been trying to get fraudulent information off of my credit file. Have reached out to companies and credit reporting Agencies. The refuse to take off fraudulent accounts and refused to show proof that they are my accounts
Consumer complaint received 2021-12-07
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (PA)

The following letter was sent to Office of Comptrollers on XX/XX/XXXX, XXXX They referred me to your office. I attached at the bottom the promotion sent to me XXXX XXXX XXXX XXXX, Pa XXXX Comptroller of the Currency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : I read your mission on the web page, and your mission is the exact service that I need. 
On XXXX I took a postcard I received in the mail for a bank promotion through XXXX XXXX  to the XXXX, PA XXXX I showed the representative, XXXX XXXX, the postcard stating the incentive of {$200.00} for deposit of {$20000.00} in savings account for three months and {$300.00} for {$2500.00} direct deposit in 90 days, XXXX XXXX talked with the manager, XXXX, and said I qualified for the promotion. She put together the paperwork, and I signed the documents. The next day, I went over to the XXXX XXXX XXXX and veritfied with XXXX, the manager, the paperwork for the routing numbers for my unemployment checks. 
On XX/XX/XXXX, I stopped by the XXXX branch and asked a representative named XXXX if the branch posted my promotional money. She told me to go home and look at the promotion I had. She told me I never opened a checking account. I called the national branch and talked to a XXXX. Nobody returned a call. On XX/XX/XXXX, I called the national number and was somehow connected to XXXX from New Jersey. She said XXXX from Exceptions Department would call me back. No call I called the manager, XXXX XXXX, and he did call me back. He was professional In his handling of my frustration ; however, his support of his representative did not allow him to see my side of the situation. I told the representative what I wanted, showed her the promotional card, and provided the bank with my routing numbers and a check. It was very clear that I wanted to take advantage of the promotion. XXXX XXXX said it was not clear I wanted a checking account.he did not even work at the bank at that time. He refused to give me the {$300.00}. Also, I found it more than a coincidence that the {$200.00} for the savings account was posted on XX/XX/XXXX, the day I questioned the bank. 
I need an an agency that can supervise XXXX XXXX  to ensure that they are operating in a safe and sound manner, make sure the bank complies with the laws and regulations, and treat customers in a fair way. I am wondering if the employees are told to only open the savings account saving the bank {$300.00}, but getting my direct deposit money. Also the coincidence of the promotion money being posted XX/XX/XXXX. I have enclosed a copy of the promotional card. If there is anything else that I can provide you in your investigation of this bank, and in particular, this XXXX, PA branch Sincerely, XXXX. XXXX XXXX