davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-08
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. (MI)

PLEASE DO NOT CLOSE THIS COMPLIANT AS THIS IS NOT DUPLICATE, AND I NEED ASSISTANCE IMMEDIATELY. THE SAME COMPANIES MAYBE LISTED IN DIFFERENT COMPLIANTS, BUT LISTEN MY PROBLEM IS NOT SOLVED, NOR HAS IT BEEN, SO I WILL CONTINUE TO FILE A COMPLAINT UNTIL I GET THE INACCURATE accounts ( REMOVED ) FROM CREDIT REPORT 1.CHAPTER XXXX BANKRUPTCY ( REMOVED ) XXXX ( REMOVED ) XXXX XXXX ( REMOVED ) XXXX. XXXX XXXX ( REMOVED ) XXXX XXXX XXXX ( LATE PAYMENT REMOVED ) Hello, To Whom It May Concern As Ive been disputing CHAPTER XXXX BANKRUPTCY from my credit REPORT, Since XX/XX/2021 along with other inaccuracies, Such As XXXX XXXX, XXXXXXXX XXXXXXXX XXXX AND XXXX FUNDING, Ive also filled multiple complaints do to this same reasoning. In results to the complaint I still havent received the satisfactory results I need. Such as investigating the inaccurate accounts, and removing accounts once it comes back as unverified. The companies listed above are also refusing to READ, and accept the certified documentation supporting my disputes. The companies XXXX, TRANSUNION, XXXX, AND XXXX. Are constantly refusing to update my credit file, nor are they using my supporting documentation for evidence. They are refusing to communicate with each other/creditor. Informing me I should dispute the inaccurate accounts directly through the creditor. In results to me disputing the inaccurate accounts DIRECTLY with the creditor. I received more than a few documents stating I do no owe on any accounts listed above. Chapter XXXX bankruptcy has also came back as unverified, and I was NEVER LATE ON CREDIT ACCEPTANCE ACCOUNT. I dont think its fair for XXXX XXXX XXXX XXXX TRANSUNION XXXX AND XXXX XXXX TO LIE AND SHARE WITH THE CFPB STATING THEIR STILL WORKING ON SUCH DISPUTES. BUT IN THE MEANTIME INFORMING ME THE ACCOUNTS ARE VERIFIED AND WILL NOT BE REMOVED. As their is nothing to work on they just need to complete their job and update my credit report As Ive already provided correct documentation multiple times. STATING THE REMOVAL OF UNVERIFIED ACCOUNTS. Today on XXXX I was told by XXXX REPRESENTATIVE THEYll continue to report the inaccurate accounts, and refusing to delete the accounts, until THE CREDITOR XXXX, XXXX, XXXX XXXX CONTACT THEM, although the companies are refusing to communicate with each other, and delete the inaccurate accounts. This is not fair as Im the little guy, and the big companies are getting away with lieing to the CFPB, and not doing their job I should not have to constantly file a complaint after complaint.
Consumer complaint received 2021-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (IN)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

It has been a battle going through all these and I am submitting this CFPB complaint requesting to the Credit Reporting Agencies to delete the disputed Fraudulent accounts and information completely from my Credit File. How many times do I have to tell the Credit Bureaus that I was a victim of identity theft and that the accounts I am disputing were the results of such crime. I have been asking to the Credit Bureaus to remove the the disputed items to correct my Credit File and send me copies od proof of verifcation if the Credit Bureaus claim that the disputed items belong to me. However, the Credit Bureaus have been disappointing me and have failed to send me copies of documents I have been asking from them. I have also been sending dispute letters to the Credit Bureaus attached with complete documents of proof of identity and Identity Theft Report I received from the FTC. I am submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted and requesting the Crediet reporting Agencies to remove the disputed items before I am forced to take legal actions. Once again, please remove the following items completely from my Credit File : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO. (WI)

.We purchased a home from XXXX XXXX and XXXX XXXX in XX/XX/XXXX. We purchased a mortgage thru Chase bank. Chase bank has on record that we filed bankruptcy in the passed which we never did. The former owner of the home filed bankruptcy and chase Bank thinks our name was on the deed with the former owner which we have no connection. The deed reads that the former owner granted us the deed at closing. I have called our register of deeds dept and they confirmed we are the only ones on the deed. I also called our title company and confirmed the house was not in the former owners bankruptcy case. I also called the former owner 's bankruptcy lawyer and she confirmed we are not at all involved with his bankruptcy and they have never heard of us until Chase Bank sent them a letter stating about our mortgage loan. On XX/XX/XXXX we received a letter stating it was Chase 's error and that we did not file bankruptcy on our loan and it would be corrected. The only thing they corrected was saying we were not bankrupt on our loan and their records still state we filed bankruptcy in the past. The former owner settled his case so they say it has been resolved but still lists us as filing bankruptcy. I have called XXXX Executive Office to get this resolved on XX/XX/XXXX, was assigned a case number but no action is taken as of XX/XX/XXXX. I called Chase on XX/XX/XXXX and XX/XX/XXXX and they confirmed our name was still on their records as bankrupt. Chase said it was supposed to be reviewed in 10 days but it was over the time. She said she will have them investigate this and have it moved up to the top. We are very concerned this false record will inpact our fulture loan abilities
Consumer complaint received 2023-04-08
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 have contacted these creditors to dispute these accounts and they do not have permissible purpose to be reporting this false accounts nor do they have my correct information or documents. they are in violation of my consumer rights according to consumer law. The creditors are XXXX, XXXX and XXXX XXXX
Consumer complaint received 2022-05-04
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX 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 an account without my written instructions
Consumer complaint received 2019-10-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A. (TX)

MY PROBLEM IS WITH CITIBANK OF XXXX XXXX, TEXAS. I OPENED AN ATM/CHECKING ACCOUNT THAT I BELIEVED WAS A NON MONTHLYFEE ACCOUNT. 

I DEPOSITED ABOUT {$200.00} AND DID MAKE A FEW CHARGES FROM XXXX. HOWEVER, I DID HAVE A POSITIVE BALANCE. UNTIL I LEARNED TODAY, XX/XX/2019. AFTER SO MANY UNWANTED PHONE CALLS. OFTEN WHEN I PICK UP THE PHONE, I WOULD GET A COMPUTER SYSTEM THAT WOULD DISCONNECT OR HANGUP ON ME. 

AT THIS POINT, ALL I WANT IS NOT TO HAVE ANY COMMUNICATIONS WITH CITIBANK AND FOR THEM TO STOP CHARGING ME FEES EACH. TERMINATE ALL SERVICE OR CONTACT WITH THEM PERIOD.
Consumer complaint received 2020-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

Experian is reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AR)

I have been disputing these inadequacies for several months : Inquiries on my XXXX credit report, XXXX XXXX and XXXX XXXX and Experian inquiries are XXXX XXXX, XXXX XXXX, l first called XXXX and Experian XX/XX/XXXX XXXX, l talked to someone in the fraud department, about my credit being inquired without my knowledge, they did nothing to help, then on XX/XX/XXXX, l disputed online to both XXXX and Experian XXXX nothing happened, on XX/XX/XXXX l mailed my dispute to both XXXX and Experian again without any action being doneXXXX l mailed my disputes again to both XXXX and Experian, still no help,
Consumer complaint received 2021-10-13
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: AMERICAN EXPRESS COMPANY (IN)

Just reporting a fraud attempt. Someone tried using my social security number to open two bank accounts. 

One with : XXXX XXXX XXXX and one with American Express Personal Savings. 

Both banks have been notified by phone to log the applications under fraud.
Consumer complaint received 2024-02-06
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. (NY)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-31
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)

XXXX  ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2018-10-16
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

I contacted XXXX XXXX XXXX regarding making payment arrangments in XX/XX/2018, they gave me an arrangment of {$66.00} my normal due date is the XXXX of every month, they tried to pull the {$66.00} out on XX/XX/XXXX and that put my account into overdraft, i called the company and a supervisor told me that when the processed cleared on there end, to call back and they would reimburse me the fee, so i called back on XX/XX/XXXX to see if everything was ok on there end, and a supervisor told me that the other supervisor shouldn't have told me that and they can't honor it, so i asked her that since they won't honor it could i pay the {$66.00} as agreed by the representative that gave me that figure in the first place, she went on to say she dont see any notes as to where i was given that figure, she just flat out lied because why would they try to draft {$66.00} on the second so i just hung up.
Consumer complaint received 2019-03-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MA)

Dear Management/Executive ; Im really worried that some of the information on my credit report on this account about may be reporting inaccurately. I understand that you must have procedures in place to respond to questions about credit reporting. It looks like some of the details that you guys are reporting arent true. 

For example : Account Type shows Auto Loan when I thought the correct term for this alleged account was credit sale. Also, how is it possible that according to the credit report it shows the Open Date is XX/XX/XXXX and the First Report Date is not until XX/XX/XXXX ; Where are the records of good payment? How about the alledged recent balance? Look at the report, did you see the DATE of STATUS XX/XX/XXXX. - Again, how is possible that the first reported date is XX/XX/XXXX, but the Date of XXXX XX/XX/XXXX ... ..Where the good payment history? Honestly, i'm so concerned about the way this account is reporting with multiple errors, and if it's not fixed I 'may '' hire one of those FCRA attorneys like XXXX XXXX XXXX 

Anyway, can you please help me understand whats going on? Id like to see the following documents so that I can compare them to the information on my credit report. 

I would appreciate a thoughtful response from your office. Please dont send me an unintelligible response that doesnt address my concerns. 

Heres what Id like to see : The complete original alleged promissory note that shows my signature The account transaction history Any required default or acceleration notices The notice of sale document The Calculation of Surplus or Deficiency letter Any additional finance contracts including those related to insurance or finance products The buyers guide The purchase order Any license, bond or registration document required by the state that allows you to hold or service this alleged promissory note Thanks for your prompt attention to my concerns, XXXX XXXX
Consumer complaint received 2023-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NY)

I opened a checking account at Wells Fargo on XX/XX/XXXX with a promotional offer. The offer stated if Direct Deposit of {$1000.00} or more was received I would get {$320.00}. My direct deposit of {$1000.00} posted on XX/XX/XXXX. My promotional bonus was due on XX/XX/XXXX per the terms of the deal. To date, my account has not been credited the promotional bonus of {$320.00}
Consumer complaint received 2022-06-13
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. (CA)

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX, # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, # XXXX, # XXXX XXXX, # XXXX XXXX XXXX, has violated my rights. Also the credit bureaus stated these accounts was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. 


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 They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Consumer complaint received 2022-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (WA)

Our mortgage loan was transferred from XXXX  XXXX XXXX to XXXX XXXX in XXXX, XXXX  and since then we have been charged a {$13.00} fee each month ( plus another one time fee in XXXX XXXX  ). We have made all of our payments as instructed and on time using their online portal, which has no fees associated with it. Both of Selene 's customer service representatives that we have spoken to - on XX/XX/XXXX and XX/XX/XXXX, XXXX could not explain the fee, and why were being charged this amount each month. We were told that an explanation would be sent out in 30 days or so via postal service. But the reason we do not want to wait is because of the concerning statement made by the last customer service representative with whom my wife spoke to on XX/XX/2022. The representative stated that " They ( Selene ) can charge us this, or any other type of fee, anytime, and as many times as they want, even multiple times each day, without a reason or justification. I hope this is not true or is it?
Consumer complaint received 2020-01-31
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)

XXXX  ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2019-10-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (TX)

Received a letter from XXXX XXXX XXXX in XX/XX/XXXX regarding an invoice stating we owed money. Contacted the company immediately upon receipt and was told by them they they did not have to provide any information to validate debt ( which they have to provide under the FDCPA ). I disputed the debt as I didn't know what it was for. I have made several attempts over the last two years to have this removed and company refuses to do so, despite not wanting to follow the law regarding debt collection practices. I pulled my credit report this year, and noticed that the debt had been sold to a debt collector National Credit Systems in XX/XX/XXXX. Despite them accruing the debt at that time, I have not received any letter from them to verify the debt. I attempted to dispute the debt through CRA due to the failure to provide proof of validation of the debt and they continue to fight it, but also refuse to follow the law.