davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-12
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. (TN)

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX  ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX  ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX  ACCOUNT # : XXXX ACCOUNT NAME : XXXX  ACCOUNT # : XXXX
Consumer complaint received 2018-06-17
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. (FL)

I contacted XXXX regarding the Inquires on my credit report advised that I have a Police report and they refuse to remove Inquires stating they are factually placed there.
Consumer complaint received 2022-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

We have had an XXXX XXXX XXXX credit card issued by Bank of America ( BofA ) for the past 5 years. In XXXX of each year, BofA assesses a {$75.00} annual fee for the use of this credit card. One of the benefits provided in return for this fee is, " Purchase Benefits, '' which includes purchase security and warranty manager service. Warranty manager service includes, " Extended warranty protection. '' Extended warranty protection is described in the Cardholder Benefits Guide and states, " Extended Warranty Protection doubles the time period of the original manufacturer 's written U.S. repair warranty up to one ( 1 ) additional year on eligible warranties of three ( 3 ) years or less for items purchased entirely with your eligible card. '' On XX/XX/XXXX we used our BofA credit card to purchase a gas oven from XXXX 's. The purchase price was {$1500.00}. The oven had a written, one-year manufacturer 's warranty. On XX/XX/XXXX the oven 's electrical system ceased to function. A repair company assessed the damage and repaired a faulty electrical wiring harness at a cost of {$500.00}. We submitted our original sales receipt to the third party warranty service provided by BofA, XXXX in XXXX, TN. We also submitted a XXXX 's account statement describing the purchase of the oven as well as the XX/XX/XXXX credit card statement showing the purchase at XXXX 's in the amount of {$1500.00}. XXXX has refused to reimburse for the repair, stating the sales receipt was illegible. The sales receipt was completely legible and I sent photographs of the receipt as well as computer-scanned images of the receipt. XXXX 's claim of illegibility is completely false and unethical. This company should be thoroughly investigated for fraud.
Consumer complaint received 2022-04-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (OH)

I had to be the one to play phone tag and find out who had my debt because I was never contacted. I found out that they had received my debt on XX/XX/2022. I called on XXXX XXXX XXXX to find out about my debt. I let them know that according to the Fair Debt Collections Practices Act that they did not contact me within five days of receiving my debt and because of that my debt is now invalid and it needs to be thrown out. I was told by a supervisor that it would be cancelled and they would be sending a letter to my address within 10 days that verified that it would be removed and cancelled. On XX/XX/2022 I called again because I had not received any notice like I was told I would be getting. Speaking to the supervisor, I was told that I was lied to and that they can not cancel the debt and send out a letter verifying the cancellation. I was told that it was still being disputed and that I may still owe if they find it to not be disputable. I let him know about the Fair Debt Collections Practices Act and by not removing the debt that they were in direct violation of it. When I had mentioned that, he got very pushy and rude and essentially told me that nothing is going to change and it is still being disputed. Then I was hung up on. I called back about 10 minutes later to try and get it removed and the same thing happened with the other supervisor that I talked to. I told them that I never signed any forms or papers stating that I agreed to this debt and that they are in direct violation of the Fair Debt Collections Practices Act. They then told me that I will need to wait because they are still disputing it with themselves. Throughout the whole process they as a company had violated almost every part of the Fair Debt Collection Practices Act and they did not seem to care and got very angry with me and hung up on me multiple times when I had mentioned the Act to them and how they were in direct violation. Also throughout the whole process I never received any verifying information from them or even a letter stating that they had my debt. The debt collections agency was Phoenix Financial Services seeming to be located in XXXX, IN.
Consumer complaint received 2020-09-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (GA)

This account was paid off on XX/XX/2020. Per agreement and state laws, Caine & Weiner was suppose to update all credit bureaus of this account update. Caine & Weiner took my money and agreement then sent me a receipt for payment and stating that all collection activity will terminate immediately. I've repeatedly call this company and have begged them to update this account and they refused. Two representatives from this company hung up the phone in my face and I managed to ask the other rep her name at the beginning of the call due to the unprofessional tactics used previously.I spoke with XXXX and received a receipt from XXXX XXXX and a very unprofessional representative that was laughing in the phone at this matter. I spoke to that rep on XX/XX/2020 and her name was XXXX XXXX. 

This company is still illegally reporting this debt that was paid to all three credit bureaus. This company took my money and refuse to update tradeline. My next step is to follow up with my attorney and file sue for illegal debt collection practice, fraud and more. This company has caused further damage to my credit and it has been well over 30 days. This is the last and final request for Caine & Weiner to  remove/delete this tradeline immediately or I will begin suit.
Consumer complaint received 2018-06-17
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. (LA)

The reason I am requesting an investigation by your agency is due to TransUnion Consumer Service department would not help and take care of the negative inquiries reporting to my credit report.

1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX 5. XXXX XXXX XXXX XXXX XXXX 6.XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-08
Product: Credit reporting 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. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2018-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted Transunion regarding the Inquires on my credit report advised that I have a Police report and they refuse to remove Inquires stating they are factually placed there.
Consumer complaint received 2022-04-04
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 — Problem with personal statement of dispute
Company: Grain Technology, Inc. (TX)

I'm making a complaint because recently I found their company reporting on my credit report and disputed the item to be removed. After disputing the item, I was told by the subscriber to call Grain Tech to mail me a verification letter providing information on how this happen when I never used their services nor approved anyone to use my information for their services. I was told by them that they didn't need to provide me with information because they are not a collection agency. I was also asked to provide information and I did to cooperate to resolve the matter and they used my information to update their system with my info. This company that is reporting on my credit reports is keeping me from obtaining credit and getting hired with a company that is looking to hire me but this fraudulent account that is reporting is hindering me from many things and this isn't an account of mine that authorized to use. This account needs to be removed from my credit immediately. it's unfair to be a victim of identity theft and having to be stuck with the bill. Im demanding for this account to be removed from my credit report and the method of how this account became tied to my name and ss.
Consumer complaint received 2023-04-12
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. (MI)

In accordance with the fair credit reporting act The following 3 Consumers Listed below Have Violated my Rights under the following laws listed below 15 U.S.C 1681 section 602 A. States I Have A Right To Privacy. 15 U.S.C 1681 Section 604 A Section 2 Also States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions ( XXXX ) XXXX XXXX Account # XXXX ( XXXX ) XXXX XXXX Account # XXXX ( XXXX ) XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX XXXX  ACCOUNT # XXXX ( XXXX ) XXXX XXXX XXXX XXXX  ACCOUNT # XXXX ( XXXX ) XXXX XXXX XXXX ACCOUNT # XXXX ( XXXX ) XXXXDEPT OF EDUCATION ACCOUNT # XXXX ( XXXX ) XXXX/DEPT OF EDUCATION Account # XXXX ( XXXX ) XXXX XXXX XXXX XXXX # XXXX ( XXXX ) XXXX XXXX ACCOUNT # XXXX XXXX XXXX ) XXXX XXXX ACCOUNT # XXXX ( XXXX ) XXXX XXXX ACCOUNT # XXXX XXXX XXXX ) XXXX XXXX ACCOUNT # XXXX XXXX XXXX ) XXXX ACCOUNT # XXXX
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

On XX/XX/2020 I sent a letter regarding inaccurate 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 a failure to investigate these items within 30 days gives a reason to immediately remove those items on 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 2016-08-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CO)

We received a purchase contract on XXXX XXXX, 2015. SPS is the XXXX lienholder and for over a year we can not get a short sale approval. The XXXX Lienholder will not issue a short sale approval until the XXXX lienholder releases their short sale approval. I filed a complaint with the Ombudsman Department at SPS and I called in today to make sure they have received my complaint and a Rep. in the Ombudsman Department named XXXX told me that they will never issue a short sale approval until the XXXX Lienholder sends out their approval XXXX. I have both lienholders telling me that neither one will ever issue an approval until the other one does first. The XXXX Lienholder is a Conventional Private Investor. The Buyer has been hanging on for over a year and the seller has cooperated and provided everything needed for the file. I will be reaching out to our Liaison with our local Sentor 's office as well. Please help!!
Consumer complaint received 2022-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (IL)

I am a small business owner and I opened an account on Chime in order to receive payments from my clients. I received the first payment on approximately XXXX and transferred the funds to my personal checking account. Chime then sent me a debit card in the mail ( XXXX XXXX ) which I did not want, since I had no interest in a checking account with them, so I disposed of the card. Then when I received another payment ( XXXX  XX/XX/28 ) I was told by Chime that I could not access the money that was sent to me without first activating the card I disposed of. I had to wait for them to send me a new card, activate it, and then transfer the money into my personal bank account. Chime states on their website that you are able to receive money even if you dont have a Chime account, but this is not the case. I was told by Chime ( XXXX ) that if I cancelled my checking account with them that any future payments that people tried to send to me would be returned to the sender. Again, this contradicts their claim that people can receive money on Chime without having a Chime account.
Consumer complaint received 2019-04-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX, I submitted a complaint to the CFPB against JP Morgan Chase Bank. JP Morgan Chase Bank agreed to reimburse me for the vacant property fees only! I spoke to Mrs. XXXX XXXX ( phonetic ) of Chase Home Executive Branch on or about XX/XX/XXXX. They REFUSE to reimburse me for the paid back taxes even though they were/are required to do so and they refuse to reimburse me for the court appearances and parking that I had to pay out of my pocket because Chase neglected the property and allowed it to become blighted. Chase only agreed to reimburse me {$2000.00} upon receipt of a signed release and settlement agreement. I received the release and settlement agreement and the XXXX form on or about XX/XX/XXXX. I signed and had the document notarized as they requested and I completed XXXX form and Chase Bank received the documents on XX/XX/XXXX via express mail. Chase Bank DID NOT send me the check or call me as MRs. XXXX stated on the phone. There was a message stating that the calls with Chase Bank was recorded, please have Mrs. XXXX provide the CFPB with a copy of the taped telephone conversation. I can not force Chase Bank to do the right thing and reimburse me for the back taxes that they intentionally neglected to pay and my expenses for going court, parking and the city of XXXX with regards to the vacant property fees. Chase Bank/Chase Home Finance intentionally drove me into bankruptcy and only you ( CFPB ) can order them to reimburse me because they know and are fully aware that they owe me the money after I clearly showed what they did to me. I am requesting the CFPB immediate assistance.I am still requesting full reimbursement for the taxes paid to the property, even though Chase Bank ALLEGES that they released the lien to the property on or about XX/XX/XXXX, I did not receive notification until on or about XX/XX/XXXX. This still DOES NOT absolve Chase Bank from paying the taxes that they were legally responsible for paying. I should be reimburse for the taxes that I paid up until Chase Bank/Chase Home Finance was legally REQUIRED to do so.I am requesting that the CFPB Order Chase Bank to reimburse me for the vacant property fees and the taxes I paid on property when Chase Bank was legally responsible & required to do so. More importantly, please have JP Morgan Chase Bank explain why I have not received my check or even a telephone call as Mrs. XXXX stated they would do. They received the requested documents on XX/XX/XXXX via express mail. What's their excuse now? J.P Morgan Chase and it's subsidiaries, XXXX XXXX XXXX XXXX and XXXX, recently admitted their guilt in rigging delinquent property tax liens in 33 states. This may explain why they failed to pay the taxes on XXXX XXXX XXXX XXXX in XXXX, Nj because they were using their subsidiaries to purchase the tax lien and make huge profits once the property sold. They know that they are not going to be prosecuted for harming the citizens, but wait until they and the people who are protecting them stand before XXXX!
Consumer complaint received 2022-09-19
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. (NJ)

my credit was ran by someone, I did not authorize and don't no the company this is a fraud and i need them removed from my credit report. 
XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2018-06-17
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. (FL)

Last year I realized that the l was a victim of Identity Theft. After contacting Equifax they along with the other two requested an Identity Theft report from local police. I have sent Equifax the information more than 5 Times and they refuse to correct the 6 Inquires and Collection account reporting ( ALL Not Mine ). Since they refuse to delete the inaccurate information I am contacting you for your assistance. Maybe they have not learned their lessons from the past.
Consumer complaint received 2017-01-07
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Simon's Agency, Inc. (NJ)

getting multiple calls. I have already paid the due amount to the concerned party, told them the same and " asked them to stop calling ". The lady on phone said we will continue to call, when i said i will block your number, she said that we will dial you from other numbers.
Consumer complaint received 2023-04-13
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. (IL)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact transUnion, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation
Consumer complaint received 2022-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXXXXXX/ XXXX XXXX XX/XX/2021
Consumer complaint received 2022-04-04
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. (IA)

After reviewing my most recent credit report I see an account listed for XXXX XXXX, however I see that the information listed for that account is incorrect and such incorrect information will further increase the negative impact on my credit scoring which is unfair to me as a consumer. Experian has this account listed with incorrect DATE OF LAST PAYMENT of XX/XX/XXXX & DATE OPENED of XX/XX/XXXX. Why has Experian not conducted the correct due diligence in reporting this account, their actions either negligent or willful misconduct can have caused an unnecessary further damage to my credit report and overall credit scoring.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you