davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P. (NY)

THEY CALLED ME AND MADE THREATS ABOUT ME NOT PAYING AND SAID THEY WOULD SUE AND TAKE EVERYTHING I OWN ME AND MY FAMILY WOULD HAVE NOTHING IF I DO NOT PAY THEM ASAP.
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I mailed a letter to the credit bureau on XX/XX/2021 then another one on XX/XX/2021 regarding wrong accounts on my report. It is now 56 days from my first letter and I have not received anything from them pertaining to my disputes. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation
Consumer complaint received 2022-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Inaccurate information is reporting on my credit report and need to be removed. It's been 60 days and I still have not receive response. Have not sent documentation of proof of these accounts with signatures. As per section 611 ( a ) failure to investigate these items within 30days give reason to immediately remove those items my credit report. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title V, Sectiom 611, Subsection A-D please provide the names and business addresses of each individual with whom you verified with so that I may follow up. Please see my letters of complaint with the companies that is attached.
Consumer complaint received 2019-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Equifax reporting inquiries for unknown accounts : XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-03-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: M&T BANK CORPORATION (NY)

( M & T bank insurance case # XXXX ) On XX/XX/XXXX myself and my wife & child were the victims of a flood and storm in XXXX XXXX XXXX that left damages to our home. The process of getting the funds from our insurance company has been absolutely horrendous and to add insult to injury, My mortgage company M & T Bank has made the process even harder for us. We were originally serviced by XXXX XXXX  when we first purchased our home in XXXX, but was later notified that our mortgage was sold to M & T Bank after hurricane sandy. I realize that banks have different procedures regarding insurance claims but XXXX XXXX  has never made the insurance claims process this difficult and hard. We were blindsided to the M & T bank regulations regarding insurance claim funds because we were never given new loan documents that would have explained the differences in regulations regarding insurance claims made on our property. As a result M & T Bank has denied our request to endorse our insurance check for our storm repairs even tho we meet the criteria of the check being under {$20000.00} ( after our private adjusters fee is taken out as per the M & T Bank claim loss representative XXXX XXXX ). We were denied and as a result have been given a hard time to receive our funds despite being a loyal customer and having our mortgage account in good standing. We have been suffering since the date of loss in XX/XX/XXXX and it is now days away from being XXXX which would be a total of 80 + days and we are still dealing with this terrible financial hardship with no resolution in sight. I have incurred numerous out of pocket financial expenses since this unexpected weather event has occured and have only received information by bank associates that lack empathy regarding my situation. We've been getting different explanations every time that we call the loss department for help in regards to our insurance claim and it is unfair. My wife is a XXXX XXXX surviving XXXX XXXX and i am a decorated retired XXXX XXXX XXXX XXXX XXXX that worked faithfully in the XXXX XXXX XXXX. We have both worked very hard to stay out of foreclosure within this terrible economy, and this situation has been absolutely terrible to our family. We are being treated like criminals on our own insurance claim. We pay our mortgage, taxes, and insurance faithfully and for M & T Bank to treat us like this is absolutely horrible. I pray no other home owner will ever have to experience what we've experienced.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

After I checked my TansUnuion credit report I noticed several duplicate items on such as follows : Duplicate items from { XXXX  XXXX XXXX Total XXXX  Acc # XXXX } Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX the only difference is the accounts closed dates one is on XX/XX/XXXX and the other is on XX/XX/XXXX one of the accounts is on page 7 and the other is on page 11. 
I will upload screen shots of the Transunion credit report for Page 7 and 11 I did disputed the item for the duplicate errors but transunion refused to delete or correct errors regarding these two duplicate acoounts. I would like transunion to stop reporting the same account twice and delete one of the accounts.
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

On XX/XX/2021, I attempted to freeze my credit via Experian. The US FTC XXXX XXXX XXXX XXXX XXXX  at https : XXXX  ) indicated that this would be a free service. 

Summary : Experian appears to intentionally force consumers into buying their paid credit lock service. 

Specific problems : 1 ) Experian has a " Credit Lock '' service, which is paid ( see https : XXXX ). In small print, the Credit Lock site says that the service is separate from Experian 's credit lock ( Security Freeze ) request site. ( see https : //XXXX  ). It seems to be a 'bait and switch ' 2 ) After completing the online request form on Experian 's Security Freeze site ( https : XXXX ), including my social security number, I was presented with an error message that said I was missing my SSN ( but I entered it, using the option to see the entry I was making ). I believe the error message was intentional 3 ) Experian requires a written request to a Texas XXXX XXXX address. While my request is all about preserving security, Experian offers no guarantee that this process is secure 4 ) Experian offers an automated phone tree ( IVR ) which requests identifying information ( SSN, 1st digits of street address, zip code ) and then presents an error message. There is no option to speak with anyone.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (TX)

I witnessed a fraudulent account on my credit report that I had no knowledge of. I called the store and they name several things that was bought that I never purchased or had any knowledge of.
Consumer complaint received 2021-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. ()

I am the vendor of a software company. A customer purchased our software using a credit card issued by JPMorgan Chase Bank N.A. - Debit. 

The customer agreed to our refund policy that stated no change of mind refunds, only if the software does not work as advertised. This is clearly listed on our order form. 

A few weeks later the customer opened a dispute saying the product was not as described. They never contacted us about any issues with the software, and we have thousands of other users who have not had any issues and we know the software has been working fine. 

I even tried to email the customer several times when I was notified of the dispute and they never responded - not once. They clearly just wanted a refund and against the refund policy they agreed to when they purchased. Again, the software has been working fine for all our other 1,000+ members. 

All of this information was provided to the bank when a charge-back dispute was filed and the bank sided with the customer. Not only are we out the money the customer purchased with but also a {$25.00} charge-back fee, through no fault of our own. This also puts a bad mark against our business name with Stripe - again when we have done absolutely nothing wrong. 

I am not going to let banks keep getting away with breaking the law and tarnishing businesses reputation in this way just to satisfy their customers so they are happy to keep spending on their credit cards. 

If the bank can not provide me with real proof of the issue the customer had with our software, then this is nothing short of fraud being allowed by the bank. 

I want this charge-back reversed and all fees returned to me asap. 

Transaction Date : XX/XX/XXXX, XXXX XXXX  Customer Email : XXXX Customer Name : XXXX XXXX Payment Method : VISA XXXX Amount : {$290.00} USD Seller : XXXX XXXX XXXX Description : Purchase of Messenger Robot ( Yearly ) Disputed on : XX/XX/21, XXXX XXXX
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CL Holdings LLC (OH)

I have attempted to contact Jefferson Capital Systems both by phone and mail. Despite multiple attempts, I have been unable to reach a representative via phone, and I have not received any correspondence from them regarding the original contract or any connection to the debt in question. The debt in question stems from an account with XXXX, which dates back over 7 years according to records. The initial collection attempt was invalidated due to a lack of proof of ownership. Furthermore, my account with XXXX was satisfied as it was absorbed by XXXX following a merger. 

I dispute the validity of the debt claimed by Jefferson Capital Systems, viewing it as an unjust effort to collect on a debt that ceased to exist upon XXXX 's merger with XXXX. I am uncertain if there exists any new or outstanding debt for which I should be informed. Despite my inquiries, Jefferson Capital Systems has failed to furnish any evidence to support or refute its claim.
Consumer complaint received 2022-03-25
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. (NC)

on XX/XX/22 dispute letters for Transunion and XXXX were sent off in regards to inaccurate information being reported on my consumer report. It is to my understanding that there are certain laws in place that consumer reporting agencies must follow, or in turn they can be fined {$1000.00} per violation, or even criminally and civically charged if these Federal laws are violated, as they are not above the law. Attached in this complaint is a picture of the inaccurate information being reported by Transunion and XXXX. As we both know to report false information without full validation and verification after being provided proof of inaccuracy is violation of FCRA section 623 which is defamation and willful injury. Also neither Reporting Agency failed to report that this item was in dispute on my consumer report. This account needs to be deleted immediately, you've already had 30 days and have yet to complete or start any investigation of this account. You are now in violation of 1681i ( 5 ) ( A ) ( i ) which states " If 30 days have past information has not been verified within that time of reinvestigation, the information must be deleted ''
Consumer complaint received 2019-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital one bank is reporting a past due charged off credit account under my social ending in XXXX. This is not my account and is listed to a XXXX XXXX. 

My dob is XX/XX/XXXX
Consumer complaint received 2018-03-27
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. (FL)

I have hard inquiries on my report that I have no knowledge of authorizing : XXXX : XXXX - XX/XX/XXXX ; XXXX CARD - XX/XX/XXXX ; XXXX XXXX XXXX XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX : XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX EQUIFAX : XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX I may be a victim of identity theft.
Consumer complaint received 2022-03-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lending Club Corp (NC)

On XXXX XXXX Lending Club cashed a check in the amount of {$10000.00} that was marked clearly with our account number and intended to payoff our loan with Lending Club. Our account has never been credited. We have contacted Lending Club over a dozen times in an attempt to resolve this. We continue paying our monthly payment and our payoff amount is now down to {$8300.00} and are owed the difference. Lending Club promises to call us back but never does. ( Three separate occasions have promised to call us the next day ). We have offered to provide the cancel check and supporting documents but Lending Club refuses to assist us. We are making this complaint XXXX XXXX because we do not know what to do.
Consumer complaint received 2022-03-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (OR)

I am 7 days late on a payment to Comenity Bank and they have called me multiple times today, Friday XX/XX/XXXX. They called at XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. They are relentless.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WV)

On XX/XX/XXXX and XX/XX/XXXX I mailed all three credit bureaus a letter disputing some inaccurate things on my credit report. It has been almost 70 days and I have not received a response. I understand that COVID has caused a lot of thing to slow down, but this is a bit too long waiting for a response. Reviewing some of the the things on my Equifax report makes me feel that I have been impacted by their data breach and my personal information has been used by the wrong person or persons. This has caused me quite a bit of stress especially dealing with the deaths of my friends due to XXXX. I am asking that these items be removed from my credit report.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Date of XX/XX/2022, I received an alert from TransUnion app & XXXX XXXX app stating there has been a hard inquiry placed on my account. I quickly look into the account and notice this was an unauthorized inquiry. I was immediately suspicious and decided to contact the TransUnion Bureau immediately to resolve the issue. While I was on hold for TransUnion I decided to contact the fraud dept of the creditor reporting onto my credit file ( transunion only- no other bureaus received this inquiry ). The fraud dept of XXXX informed me there is no account open in my name or SS #. There was not even a application processed that day using any of my information. And it will be impossible to send a " letter of none records '' to the bureau reporting this matter if there is not account found ( per policy ). When spoke with TransUnion I was given a reference number to confirm the transaction that will take place ( removal of hard inquiry resulting in fraud ). The next day I called to check status, the representative did not have a clue what i was referencing to. The rep advised me to call the creditor instead even after being informed of my phone call previously. Today I am highly upset with what the bureau is exhibiting. The behavior of one of the reps was uncalled for she became very eager to disconnect the line after repeating her self constantly ( her dialogue was very heavy I could not understand her at all ). She disconnected. Consequently, I am writing a complaint and requesting a hard Inquiry be removed immediately as I have evidence this is fraud.
Consumer complaint received 2023-12-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BROKER SOLUTIONS, INC. (MI)

I had been working for XXXX XXXX when I first brought my home. In XXXX of 2022 I put in my two weeks notice because of XXXX  health reasons. From XXXX till XXXX I was unemployed but I did have some saving I used to keep my bills current. In XX/XX/2022 I had started working my new job but the pay was significantly lower than my previous job and I just got behind. The company did try to help, they had given me like 3 months extension where I didnt have to pay my mortgage. I did let them know I wanted to start paying my mortgage again I just had gotten behind on everything.
Consumer complaint received 2022-03-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRUIST FINANCIAL CORPORATION (NY)

On XXXX I was giving a hard inquiry from SunTrust DBA Lightstream bank. I had called the bank in which I had no previous knowledge of to dispute the hard inquiry. The customer service representative stated they would report fraud but nothing has been done. The loan is still on my credit report as an hard inquiry. I never apply for SunTrust DBA Lightstream bank.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. ()

I submitted a dispute to Equifax online on XX/XX/2022 regarding items on my credit report collections that did not belong to me. I have escalated the dispute to investigations multiple times over XXXX and XXXX. The problem has still not been resolved as of XX/XX/2022. They give me different information every time I call.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

This complaint is to inform the CFPB that I have received notification from Experian in regards to former complaints I submitted XX/XX/22 number XXXX The letter I received once again is unresponsive to my request. In regards to the following accounts ; XXXX XXXX, Partial account number XXXXXXXX XXXX partial account number XXXX XXXX XXXX XXXX partial account number XXXX. Due to the remarkable amount of data breaches with one of the three major consumer reporting agencies, I have found it necessary to exercise my right under the Gramm Leach Bliley Act. Which requires financial institutes or companies that offer financial products or services like loans, financial or investment advice or insurance to explain their information sharing practices to their costumers and safeguard sensitive data, The GLBA generally requires clear and conspicuous notice of information sharing. The law also states that a privacy notice must be provided when a consumer relationship is established. And consumers have the right to opt out. Experian is willfully breaking the law by denying me the right to examining sensitive information regarding my credit file.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (IL)

They are reporting my background that was expunged years ago causing me to not obtain employment from several jobs I have applied for XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX company as well
Consumer complaint received 2019-08-05
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. (CO)

XXXX ; XXXX and Transunion are incorrectly reporting a collection in the amount of {$1500.00} on the XXXX XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) This account was included in my bankruptcy and therefore there is not oustanding balance to report. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.