davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I would like to inform you that on XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 52 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 52 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the XXXX  data breach and this may be the result of this nefarious activity on my reports.
Consumer complaint received 2019-11-21
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNT DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP (CA)

I claimed dispute {$80.00} on XX/XX/2023, The US bank claimed they give me provisional credit {$80.00} to my account which I did not see this credit, I deposited my ending balance {$3900.00} to my other bank, but from start to end, I did not receive any dispute credit to my account, but they claim the dispute is denied, and they want {$80.00} credit back and {$30.00} closing fee, which is unreasonable.
Consumer complaint received 2024-04-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TRUIST FINANCIAL CORPORATION (KS)

My name is XXXX XXXX have an active auto loan with regional Acceptance corporation on an auto loan. I am late with my payments and they have recently called a former Co worker of regarding the loan. My understanding is that it is illegal To contact family and friends of the person who has the debt. If that is the case then I would Like An Explanation as to Why my friend was contacted. She contacted me XXXX XX/XX/24 at XXXX XXXX  to Share that you Had called her.
Consumer complaint received 2021-11-13
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. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : XXXX {$0.00} XXXX  / XXXX {$0.00} XXXX {$0.00} XXXX XXXX {$0.00} XXXX  XXXX {$1500.00}
Consumer complaint received 2021-11-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Herbert P. Sears Co., Inc. (CA)

HP Sears is claiming that I owe them {$1800.00}. i refuse to pay the debt and I asked them to validate the debt via several letters but have not received a response AT ALL! Each letter was sent certified mail and was tracked and confirmed delivery at their address. I asked for an original wet ink signature, the contract between me and HP Sears stating that we were in business and they have the right to collect on a debt and they still have not sent me anything. The most recent letter I sent out was back on XX/XX/21 and still did not receive any correspondence back. They do not have the right to put this on my credit without giving my any proof that it is mine!
Consumer complaint received 2021-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I have a mortgage loan with Fifth third bank, fifth third has not been reporting my loan to the credit agencies since XX/XX/XXXX. I have reported this to the bank, the XXXX agency, the consumer financial protection bureau.All of these letters sent since the spring of this year, with no correction or even any apology from fifth third. Fifth has tried to foreclose on my home at least twice while I went through a chapter XXXX. I sent you all a copy of a letter fifth third sent me after the chapter XXXX ended that stated they would notify all of the credit bureaus on XX/XX/XXXX.I now believe this is an intentional act on their part to hurt my credit.
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (PA)

So on XX/XX/XXXX I received a XXXX $ check from my grandmothers estate, I attempted to cash it through my chase mobile app, I received an email immediately stating my account was flagged and I needed to reach out to the bank. I called the next morning and they told me my account was fine and that my funds would be available in XXXX days. Funds werent available until XX/XX/XXXX I believe and once they were, my money was pulled as a DEBIT-XXXX and then my account was shut off. Ive called numerous times trying to get them to lift the hold/cancel the transaction so I can just get written another check. Apparently they arent able to establish a connection with the estate because their number isnt registered. I finally decided to just go into a local branch and see if they could help me. I met with the operations manager and after about XXXX minutes she told me there wasnt anything they could do and that there was nothing keeping me from cashing the check at the issuing bank. I asked if she was sure and she told me yes so the next morning on XX/XX/XXXX I went and cashed said check. A few hours later I receive a call from the estate lawyer office saying the executors account was charged twice, ( check was cashed twice ) and that if I dont return the money hes going to press charges for fraud. Called chase bank immediately and they will not give me any answers, wont give me any alternatives and continue to hold my money when they said they werent, and STILL wont give me an explanation as to why my account was shut off. Thats basically the whole situation in a nutshell. Anything that you can do would be greatly appreciated because I need this money for my car and its becoming an emergent thing.
Consumer complaint received 2024-04-03
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Americor Funding, LLC (CT)

I signed up with a debt relief company called Americor to fix my credit, my debt, and they didnt tell me that my credit score was going to go down XXXX points now I cant even get a home equity loan because my credit is so low
Consumer complaint received 2021-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2021-11-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I'm unimaginably disturbed! My hidden response to the mistaken thing on my recognize report sent as communicated in a past message on XXXX. Today is XXXX. Regularly by law, you ought to respond inside 30 days. During these irksome events, every one of you have been given an extension which I grasp. Regardless, it has been far in excess of the expansion time span given. I have urged you on numerous different occasions. I'm starting to acknowledge this is a lull technique on all of you 's end. I demand your association kill this XXXX XXXX from my credit report or face case. In case you don't kill this off-base information speedily I will record a formal complete with the FEDERAL TRADE COMMISSION! I'm remaining mindful of my records overall and kinds of correspondence with you on this matter just in case of archiving a protesting with the FTC in the event that you continue to decide not to arrange. In Wenger v. Trans Union Corp., No 95-6445 ( C.D.Cal.Nov. 14, 1995 ), you will be considered responsible for your decision not to not assent. My family and I are being constrained to pay higher credit charges and denied by numerous associations when endeavoring to purchase significant necessities to get by during this problematic money related period. In the event that your next response to me is everything except an extraordinary application with my imprint on it or a letter communicating that the tricky information that is ignoring the Fair Credit Reporting Act isn't deleted I will continue with my FTC complaint. As exhibited by the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are needed by government law to certify, through the genuine check of the chief stepped buyer contract, all records that you post on a credit report. Else anybody paying for your identifying associations could fax, mail, or email in a fake record. I interest to see obvious evidence ( i.e. : a unique purchaser contract with my engraving on it ) that you have on the file for the record recorded under. 

Your frailty to distinctly check these records has harmed my capacity to secure credit. Under the FCRA, mistaken and unusual information ought to be deleted from a client 's credit report.
Consumer complaint received 2024-04-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NJ)

transworld systems contacted me about a XXXX $ medical debt owed that i have no idea about, the alleged medical provider is XXXX  from my home and debt collector has no knowledge of thewhen, who, and what the bill was for. the debt collector actually " we have no idea we bought this debt ''. 

account number XXXX
Consumer complaint received 2024-04-02
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: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

I previously employed a live-in caregiver that I entrusted with all of my personal business. She had and possibly still has access to all of my personal and financial information. I am currently having my daughter review my credit bureau records. What she found was numerous credit inquiries. She has applied to numerous creditors that I currently do business with. 
Criminal charges will be filed against this person. I need your assistance in this matter as well. 

Thank you
Consumer complaint received 2021-11-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (CA)

I have transferred some coins using exchange to coinbase.com into my digital wallet which was generated by them only. My coins has been transferred to that same digital wallet, now they are excusing in so many ways that this is not supported on their network. However the coin XXXX is listed as tradable on the website.
Consumer complaint received 2021-11-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NJ)

I have been violated by XXXX on XX/XX/2020. This is the second time I am filing a complaint about the same issue. I am a victim of identity theft and did not give permission to anyone for assumed access to my information. As a result of the damage has been done I have not only been experiencing severe XXXX, but also struggles with my finances, and issues in my marriage.

I know my rights and am protected under the following laws by the United States Court of Law : 15 U.S. Code 1681n 15 U.S. Code 1681o Please have this inquiry removed from my credit report.
Consumer complaint received 2021-11-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL (DC)

I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. I, XXXX XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit by SYNCHRONY BANK XXXX I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act, by SYNCHRONY BANK on XX/XX/2021 via mail. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by SYNCHRONY BANK adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( li ) are up to { {$5000.00} }. SYNCHRONY BANK is now civilly liable to pay me for the damages.

REMEDY Grant me an open-end credit plan with your company or pay me {$5000.00} for damages.
Consumer complaint received 2021-11-12
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. (CA)

My bankruptcy chapter XXXX was filed on XX/XX/2020 and discharged on XX/XX/2020. Equifax is showing account status as Derogatory and payment status of Collection/ Chargeoff and Derogatory for all accounts. Accounts are being reaged to a current date which is against Fair Credit Reporting Act.I have tried multiple times to dispute all Derogatory accounts.
Consumer complaint received 2021-11-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NJ)

I have been violated by XXXX on XX/XX/2021. This is the second time I am filing a complaint about the same issue. I am a victim of identity theft and did not give permission to anyone for assumed access to my information. XXXX is now negligent in failing to comply with the U.S. Codes of Law.

I know my rights and am protected under the following laws by the United States Court of Law : 15 U.S. Code 1681n 15 U.S. Code 1681o Please have this inquiry removed from my credit report.
Consumer complaint received 2022-05-19
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. (NY)

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 with out my written instructions.
Consumer complaint received 2022-05-19
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. (MI)

Equifax is that removing XXXX accounts that were fraudulently open in my name one of them being XXXX XXXX, 2019. 
XXXX  XXXX 2019, XXXX  XXXX 2019. Send my federal trade commission identity theft report, police report several times for them to remove it and they have not. Every time I call the call gets dropped or they say they have a trouble.. How long does it take to process something this is ridiculous venting me from moving out of my life I cant get it I dont know I dont get anything until the living room and they are not authorize them nor did I ever apply for anything like that
Consumer complaint received 2021-11-12
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (OK)

Pennymac accepted a forbearance on my fathers estate in XXXX. He died and left me his home in XXXX that he financed thru a VA loan. I have been the making payments for over 5 years now. I missed a few payments during the covid outbreak after requesting forbearance due to the pandemic hardship. I am the successor in interest and requested a forbearance in the spring of XXXX. Pennymac has been repeatedly demanded a quit claim deed on the property. I talked to the court clerk and they said that document in Oklahoma is not worth the paper it is written on. It it used for the private sale of property and is not used in probate or estate administration and she was puzzled as to why they would request the document at all. Since my father is the only person who can legally sign that document and he is deceased, it is an impossible task. I have started a full probate but they seem unwilling to wait for the correct and legal way to administrate the property. They have never offered me a modification plan even though I have requested it dozens of times over he past year and a half. Early last year while on the phone with Pennymac 's own lawyers who said a quit claim deed was not needed to start a modification because there is a successor in interest form filed with Pennymac and the very fact they were on the phone and discussing the note with me is more than enough for a modification to start. I have sent them all the paperwork on the probate and I was told I should not worry and Pennymac was not going to start foreclosure proceedings. Well they have sent me paperwork saying they were going to foreclose and demanding the full sum several times now. I keep getting calls about the past due and no mention of modification. They have turned down the modification twice due to not receiving a quit claim deed. Like I described earlier, that is impossible to get without going to probate court and they know there is a court date scheduled for XX/XX/XXXX. Nothing can be done until then. I just want a modification plan so I will quit getting calls and letters saying they are going to take the property. I am able to make payments now and have not missed any payments since the few months of forbearance in XXXX nor did I miss any before. I have also been paying more than my payment amount to catch up on the past due. I can not even make a payment online, I have to call on a weekday and talk to several people and spend about 45min to an hour on the phone. They have made it very hard to simply make the monthly payment. Please help me get a remedy to this nightmare. 

Thank You XXXX XXXX XXXX.
Consumer complaint received 2021-11-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NJ)

I have been violated by XXXX XXXX Bank on XX/XX/2021. This is the second time I am filing a complaint about the same issue. I am a victim of identity theft and did not give permission to anyone for assumed access to my information. Equifax is now negligent in failing to comply with the U.S. Codes of Law.

I know my rights and am protected under the following laws by the United States Court of Law : 15 U.S. Code 1681n 15 U.S. Code 1681o Please have this inquiry removed from my credit report.
Consumer complaint received 2019-11-21
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. (IL)

After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires. I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately.
Consumer complaint received 2023-06-22
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. (FL)

Hello this company has been reporting fraudulent account. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off. I have tried to have this situation resolved with no resolutions. XXXX XXXX XXXX Date Opened : XX/XX/2021 XXXX XXXX : {$2300.00}.
Consumer complaint received 2021-11-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc. (SC)

I received a letter from Diversified Adjustments a few months ago stating that they took over a debt that I had and to notify them within 30 days for either validation or to make payment arrangements. I immediately took action upon receipt of their letter, and sent them a debt validation letter via certified mail for them to provide more information about this alleged debt. I have receipts showing that my letter was signed for and received by this company. It has been well over 30 days with no response received back from them so I assumed they couldnt verify. However, today, I received an alert on XXXX that they have now flagged my account for collections when they have not provided me any proof for this. I believe this is a total violation of the FDCPA.