davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received a letter from TransUnion dated XX/XX/XXXX ( Evidence Attached ). In the letter, a Litigation Support XXXX, XXXX XXXX stated that " We verify all disputed bankruptcies via PACER ( Public Access to Court Electronic Record ) ''. I received a letter from Verisk Financial LCI who obtains and sells " Public Record '' information to TransUnion who acts as a " Furnisher '' for the credit reporting agency. I have not given LCI written permission to obtain or transfer my " Personal Information '' or any alleged bankruptcy record to TransUnion using XXXX or any other source and therefore, this violates section 604 Permissible Purpose 15 U.S.C. 1681b ( a ) ( 2 ) and 602 15 U.S.C. 1681 ( a ) ( 4 ) which states fairness, impartiality, and a respect or the consumers right to privacy. In addition to the letter received by TransUnion, a completed dispute notice dated XX/XX/XXXX file # XXXX certified that TransUnion " Verified '' the bankruptcy record with the " Furnisher '' XXXX XXXX XXXX Florida. However ; this was contested on my original dispute by the XXXX XXXX ( Attached ) who stated that " The court does not report any filings to the credit agencies ''. Pursuant to section 611 ( a ) ( 2 ) 1681i, this disputed item is incomplete, unverifiable and must be deleted. Please be advised that this is not a dispute for " Verification ''. This is a complaint proving " beyond a reasonable doubt '' that TransUnion and LCI has violated several FCRA laws, and that all evidence presented shall be used against them. I have suffered emotional distress as a result of this record being reported to my consumer file.
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Grant & Weber (CA)

To whom it may concern the account beow was paid in full twice. The company billed me for account paid in full at the doctors office and by my health insurance. My sosn and I have the same name and share the same primary doctor. This report was done by mistake and should be removed as is paid in full on time. 
thank yiu Grant & weber {$74.00}
Consumer complaint received 2021-06-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation (PA)

car was involved in an accident XX/XX/21. The car was deemed totaled by the insurance company on XX/XX/21. The insurance company contact Bridgecrest and myself contacted Bridgecrest to inform them of the situation. I have GAP insurance on the car. Bridge crest did not closed the account even when they received the check issued from the insurance company. Leaving the account passed due. I was also told by one of the representatives that I would be reported the Credit bureau because I was pass due which would lower my credit score and make it difficult for to get another car. I have all my paper work from when I first purchase the car, a record of all my payment and when the check was issued to Bridgecrest. Ive been waiting to speak with some about the this issue from Bridgecrest. I was told that XXXX XXXX was working on this account. His has yet to return my call.
Consumer complaint received 2019-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ONLINE Information Services, Inc. (IN)

On XX/XX/XXXX I sent payoff check to collection company to have them update the status of the account, Company : Online Information Services, XXXX XXXX, XXXX, NC XXXX. 
My Check number XXXX cleared my bank on XX/XX/2019 : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IN XXXX.Company did not update my credit report as requested. Filed dispute with XXXX, XXXX XXXX, XXXX, PA XXXX. Recieved investigation results fromXXXX  stating investigation results verified as accurate. Thus my credit report was not corrected to show the account as close and paid in full and continues to show as active and in collection.
Consumer complaint received 2022-07-07
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 U S DEPT OF EDXXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX XXXX
Consumer complaint received 2021-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (NY)

I received a letter for debt collection from the CBE group about a debt owed on an XXXX  account that I do not have. The letter is dated XX/XX/21. The amount of the debt was listed as {$100.00}. We contacted XXXX and they said they do not use CBE group for debt collection.
Consumer complaint received 2022-02-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (IN)

XXXX is reporting two separate debts they're claiming that I owe. I have not used them as my insurance company and have been steadily insured by the same company through the period in which they're trying to claim a debt for. They've sold the debt to a collection agency which is harassing me by placing new collections on my credit report every other day. My score has dropped over XXXX points in the last 20 days!
Consumer complaint received 2021-06-15
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (AZ)

I have applied with Ameri Save XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX all of the Mortgage companies ran my credit told me I was approved then moving foward said I need to have XXXX and XXXX iam low income I added my son he has no debt XXXX XXXX officer said the couldn't approve me didn't even finish application process Ameri Save Mortgage had two loan application the loan officer never contacted me but loan say it's in progress these companies have not displayed any integrity and have taken my information
Consumer complaint received 2022-02-19
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: EAST WEST BANK (CA)

According to the mortgage statement dated XX/XX/2022, total balance due was {$190.00}, due on XX/XX/2022. I made a payment of {$190.00} on XX/XX/2022. However, {$190.00} is still due according to the mortgage statement dated XX/XX/2022. Although the loan is paid off, the bank is unwilling to record a deed of reconveyance and release this loan liability.
Consumer complaint received 2017-07-02
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. (TX)

I submitted a dispute on my credit reports for a incorrect charge off/collections account and it has still not been removed from my credit report. The creditor purposely listed incorrect debt amount and reported the account as derogatory on my credit report. The credit limit was for {$800.00} and the charge off/collection derogatory amount reported is {$1300.00}. They have sabotage my credit report by listing false information and have damaged my credit score as well as my ability to get credit.
Consumer complaint received 2022-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (TX)

On XX/XX/22 I had an escrow balance of {$5100.00}. My flood insurance was due and was paid on XX/XX/22 in the amount of {$1400.00}. This left me with an escrow balance of {$3700.00}. On XX/XX/22 an escrow analysis was performed at a refund of {$2500.00} was issued ( I have not received this as of XX/XX/22 ). This would leave my escrow balance at {$1200.00}. I called on XX/XX/22 to rectify the under payment of refund. My escrow account only needs XXXX the disbursement amount ( $ XXXX = {$230.00} ). Therefore, I asked why I still have {$1200.00} in the account if Federal and State law require only {$230.00}. I asked for another refund in the amount of {$1000.00}. Total refund at this point should be in the amount of {$3500.00}. The CSR I spoke to was rude and unprofessional. She wanted to know where I got my numbers. I told her the same information above and she said on her end of the system she only shows {$230.00} in the system. I told her that was incorrect and where can I send my information to escalate. I was provided the customer service email and sent the same information there. On XX/XX/22 I received a call from the mortgage company, but as soon as I answered they hung up. I checked my account again and have noticed they paid my flood policy twice. The 1st payment was on XX/XX/22. A 2nd, unauthorized payment on XX/XX/22. Now my escrow account reflects a balance of {$230.00}, but the mortgage company duplicated my flood payment. I want the excess escrow balance of {$3500.00} to be refunded to me. I have not received any refund as of XX/XX/22 and my mortgage company isn't helping.
Consumer complaint received 2019-08-02
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. (UT)

I have recently been informed that there is a negative information reported by XXXX, XXXX and Transunion in the file they maintain under my social security number. 
I challenge the accuracy and compliance of this listing. I have requested that the reporting company verify the accuracy of the information disputed, but failed.. I request that you take further action. Either send me evidentiary documentation supporting your verification or delete the accounts from my credit report within thirty days XXXX XXXX XXXX reported as 30-60 days late, XXXX  XXXX XXXX  ( transferred/sold account ), XXXX/XXXX - reported charge off, XXXX XXXX/XXXX - reported closed/late account, XXXX/XXXX reported as open an account/transferred
Consumer complaint received 2019-06-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BBVA FINANCIAL CORPORATION (CA)

( all evidence is attached for this complaint ) I revoked consent via certified mail for BBVA to call me and ask that they : 1. Communicate by mail only no phone calls 2. No recording me. 3. I asked that they not call me using automated dialing systems and they did two times leaving a voicemail on one of them this past week of XX/XX/2019. I asked them back in XXXX to STOP CALLING. 

No lawsuits have been filed yet, but I am represented by an attorney who handles Consumer Protection Violations under RFDCPA AND TCPA. I ask that BBVA reach out to my counsel right away to discuss this before it escalates further. 

Please contact : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX
Consumer complaint received 2022-07-07
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. (MD)

I checked my credit report and saw these accounts being reported improperly. As a result, I've suffered financial harm and was denied a home loan. This has been so stressful. 

The accounts are : 1. XXXX XXXX Account Number : XXXX 2. XXXX XXXX Account Number : XXXX These accounts are in violation of 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.
Consumer complaint received 2019-08-02
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (AR)

I dont remember dates but they where cards from comenity bank, Im aware of the Victoria secret credit card and stage but the others I was a victim of identity theft.. I would like to consolidate my balance with the two cards Im aware of, and pay the balance off paying a small payment every two weeks until completion.
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

I have recently been informed that there is a negative information reported by Equifax, XXXX XXXX XXXX in the file they maintain under my social security number. 
I challenge the accuracy and compliance of this listing. I have requested that the reporting company verify the accuracy of the information disputed, but failed.. I request that you take further action. Either send me evidentiary documentation supporting your verification or delete the accounts from my credit report within thirty days XXXX XXXX XXXX reported as 30-60 days late, XXXX XXXX XXXX  ( transferred/sold account ), XXXX - reported charge off, XXXX XXXX - reported closed/late account, XXXX reported as open an account/transferred
Consumer complaint received 2024-04-01
Product: Credit 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: SYNCHRONY FINANCIAL (RI)

I applied for an amazon store card that was being managed by synchrony bank. The transaction was declined because of an error with the credit company. Amazon used another card to charge me for the transaction so the transaction was settled by a Mastercard ending in XXXX which you can see on the invoice attached. 
Synchrony bank is still charging me for a transaction of {$390.00}. I spoke to them and they mailed me a check for the amount and agreed they made an error. They are still sending me bills for the amount. I even opened a claim with them but they are still insisting I owe them the money and are charging me late fees and interest payments. Amazon refuses to help because they are saying this is not their error even tho the card was advertised on their website please help. I ask Synchrony bank for a transaction ID but they can not provide one and continue hanging up the phone on me. I have been dealing with this for months now.
Consumer complaint received 2022-07-07
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. (MD)

In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX Account # XXXX, Account name XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX, Account name XXXXXXXX XXXX Account # XXXX, Account name XXXX XXXXXXXX XXXX Account # XXXX, Account name XXXX XXXX Account # XXXX, Account name XXXXXXXX XXXX XXXX  Account XXXX XXXX, Account name XXXX XXXX  Account # XXXX, Account name XXXX XXXX Account # XXXX, Account name XXXX XXXXXXXX XXXX Account XXXX XXXX, Account name XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX, Account name XXXX XXXX XXXX  Account # XXXX, Account name XXXX Account # XXXX, Account name XXXX XXXX XXXX  Account # XXXX, Account name XXXX XXXXXXXX Account # XXXX, Account name XXXX XXXX XXXX Account # XXXX, Account name XXXX XXXX XXXX XXXX Account # XXXX, Account name XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, Account name XXXX XXXX XXXX XXXX Account # 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 2021-06-15
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. (GA)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692. I recently pulled my credit report and I am a victim of id theft. someone has stolen my identity, I want to investigate these fraud accounts and press charges.
Consumer complaint received 2019-08-02
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. (UT)

In all the years that I've been doing business with companies, I have never purchased anything from these companies, nor was I notified about the collection.. I do not recognize these companies and I do not owe them, remove this from my credit report XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX  XXXX XXXX  XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX   XXXX  XXXX XXXX  XXXX XXXX ) -, XXXX XXXX XXXX  ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ),  XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX  ( ORIG CREDITOR : XXXX XXXX XXXX ),
Consumer complaint received 2023-06-26
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: DISCOVER BANK (TX)

XXXX 2023 NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL Dear Discover Dispute Team : I recently received a copy of my ( XXXX, XXXX XXXX XXXX XXXX consumer report, and I noticed some late payments posted on my consumer report : Account # : XXXX XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( DISCOVER ) Making the report is not INCLUDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
You have 10 calendar days to update my Payment history and or delete all late payments from the below account/s DISCOVER BANK XXXX XXXX Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX, XXXX Enclosed : copy of ID and Utility Bill showing proof of address
Consumer complaint received 2024-04-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (TX)

I reached out to Wells Fargo on on XXXX informing them that i would pay any financial obligation that i may lawfully owe on the conditions that they provide : 1. Validation of the debt being the actual accounting : they sent the Customer Account Activity statement, not the actual accounting. 
XXXX. Verification of the debt in the form of a Signed Invoice stating the amount owed and to who. : they refused saying that they don't have to provide me that information. 
3. A copy of the contract binding both parties ( me and them ) to this agreement. : they sent the Note and Deed of Trust neither of which constitute a lawful contract as they are only signed by one of the parties me. ( lawful Contracts consist of Full disclosure, Equal consideration, Lawful terms and conditions and most importantly Wet Ink Signatures of both parties. On XXXX I informed Wells Fargo that their response did not satisfy my request and their stance did not change. I offer a final opportunity to settle this matter on XXXX They continued to dishonor my request as a consumer and continued to be abusive and misleading in their practices