davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MS)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 USC 1681 section 602A states I have the right to privacy.

15 USC 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) sections states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 USCs - 2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Delete the following names off my report : 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 2022-03-19
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. (AL)

on XX/XX/2021 I made a call to XXXX XXXX XXXX and explained to them that I had an incorrect late payment on my account. I was told it would be investigated and I would be notified by mail. Later XX/XX/2021 I received a letter informing me that " this account was reported as deleted for XXXX XXXX ''. I checked my report 30 days later and it was still there. I have tried for several months to get this removed form my account. This process has cause me to lose out on property, funds and caused a lot of frustration and destress. XXXX placed a 30 day late payment on my account and I have never been late. I bought a new car and in the process of the dealership transferring the payoff of the first cat to XXXX financial the communication between the two were lost. I was received 2 different contracts and the financial company said they only got one. I had to prove to them that I had 2. I am in the process of XXXX XXXX XXXX and this late payment is holding the process up. Because of this mistake I have lost out on many homes and funding. I need help getting this Item removed.
Consumer complaint received 2022-03-19
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. (CA)

Hello CFPB, I had three accounts with XXXX XXXX XXXX XXXX which I have paid in full however XXXX, XXXX and TransUnion continue to show them as settled for less, not PAID IN FULL. I recently paid them off and XXXX XXXX sent me three letters for each account showing paid in full. I will upload each letter here. When I submit them to the credit bureaus, they refuse to update them. This is affecting my credit report, I cant get a loan and may now affect my employment. I need help and someone to call each bureau and have these three accounts reflect : closed, PAID IN FULL. I have disputed the accounts for the past 30 days, I have called multiple times and written two sets of letters. They are reporting these accounts incorrectly. Please can you help me. 


Thank you
Consumer complaint received 2022-03-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2022-03-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (OH)

Ive been trying to contact pennymac to make a payment. I was on a XXXX forbearance and currently trying to become current. I can never get a hold of them. My assigned agent is always busy and there is no call center. I dont know where I stand as I get nasty grams from them and then get happy grams. I have the money to pay. The website is useless. Im at a loss. Id I dont do anything then im screwed. Id I try Im screwed. I need help for them to respond. Everything is automated. Ive worked for a bank and they are not closed. Please help. I want my home. I cant let something like XXXX kill my dreams.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I recently checked my credit report and i notice there is unauthorized credit inquiries made by the companies listed I never authorized and for no legitimate purposes. This constitutes a violation of my rights under the fair credit reporting act 604 as well as violation of my rights to privacy.
Consumer complaint received 2022-03-19
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. (SC)

I have inquiries on my credit report that I have no knowledge of and I have inquiries on my credit report that were done without permissible purpose XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2022-03-19
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: Credit Collections U.S.A., L.L.C. (PA)

Credit report shows {$600.00} collections thats been on my report for three years I just noticed I called the original creditor and ask them to produce a bill for said perform services they said they couldnt find it because its in collections I disputed it with collections but they left no information to contact them I dispute it through XXXX XXXX and I didnt go anywhere I believe it is fraudulent they cant produce a bill with services on it with my signature How do they expect to prove that it is How do them for original creditor cant produce the information that has a collection agency supposed to produce the information especially when theyre not leaving any contact information for me to get a hold of them
Consumer complaint received 2022-08-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

After ending my 6 month COVID-19 Forebearance with 5/3 Bank, which ended XX/XX/XXXX, I received a letter in early XXXX stating that I must submit payment to avoid further action. After making many attempts to communicate with the bank and explain that I had applied for Illinois housing assistance, I was told that they have no information to that regard. 

I received my XXXX payment, so I paid the amount the letter stated, and separately maid XXXX payment. I continued to reach out to the bank asking that the funds they received be posted so that I would not incur further action. After many attempts, I was told I hadnt paid all that was due, and that I had late fees. 

So, I submitted a payment for XXXX to cover late charges that should not have been charged. 

My mortgage payment was shown on account but not posted to it, so I called again. They said they are working on a loan modification. I explained that I dont want a loan modification and that the money I sent still had not been applied. I explained I did not know of any modifications except the Forebearance that already passed. 

Finally, I checked and saw payments to mortgage posted from the funds I submitted in XXXX. Then I made XXXX payment. Then I received a statement requesting money for XXXX, which was more than it shouldve been. Concerned, I sent that payment and am still waiting to see the documentation of the payment submitted in XXXX. 

I requested that my account be reviewed for accuracy and was transferred to many representatives without any resolution. 

I need help in getting 5/3 to communicate with me and explain where money was posted and why I was charged late fees or other fees.
Consumer complaint received 2017-08-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Coradius International LLC (VA)

On X/XX/17 I received an alert from a credit monitoring service that I am subscribed to that the following company had added a collection account to my XXXX report. I did not receive a dunning letter therefore I did not have a chance to dispute or validate the debt. I would like this account removed from all 3 of your credit reports immediately, as I am sure I do not owe the company, and was not given a fair opportunity to dispute this.
Consumer complaint received 2016-01-08
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (AL)

I, XXXX XXXX, have a loan with Hyundai Motor Finance. My initial contract did not call for them to charge me a late fee. In XXXX of 2015, this company started doing so. The late fees have accumulated and even though I have been paying my payment, Reported on my credit as late. When I contacted the company, Their reply was that Alabama now allows them to charge a late fee. I did not get any notice of any change to my contract. I am a XXXX and if not resolved, plan on suing them in federal court. acct # XXXX XXXX/Hyundai Motor Finance/XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2022-08-29
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: International Computer Systems, Inc. (AR)

FIRST COLLECTION SERVICES is in violation 15 usc 1692c due to sending a debt collection statement to my home without my consent. Pursuant to 15 usc 1692a ( 6 ) FIRST COLLECTION SERVICES are debt collectors. 
This company is also in violation of 15 usc 1681 ( 4 ) They did not exercise their grave responsibility with fairness, impartiality, and a respect for myself the consumer or my rights to privacy. 
They are also in violation of 15 usc 1692e ( 16 ) 15 usc 1692e ( 2 ) 15 usc 1692b ( 5 ) 15 usc 1692b ( 2 ) etc
Consumer complaint received 2017-08-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: A & O Recovery Solutions, LLC (TX)

I prev submitted a complaint on XX/XX/XXXX they keep calling my work number. Now its a different company. XXXX XXXX XXXX XXXX XXXX. they said I owe XXXX and they are welling to take {$1000.00} right now. I told them that I had paper work that should that I paid this off. this was take in XX/XX/XXXX I paid back XXXX in full they say I did not. they are threating me. When I told them I had paperwork they said all find and dandy but if I did not give them bank info they were going to note that I was not willing to settle and would have a sheriff to serve me. they call from XXXX XXXX XXXX
Consumer complaint received 2016-01-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (MA)

Medical event XXXX/XXXX/XXXX. Medical insurer XXXX initially declined XXXX, but XXXX NV paid the claim XXXX/XXXX/XXXX, according to plan negotiated amounts. A series of debt collectors have been harassing for 4 years now. Repeated phone and written contact appeared to end in XXXX after my last correspondence, but now written demands have restarted. Each time, I provide a copy of the XXXX explanation of benefits showing payment to the service provider. Each time, the $ amount of the purported claim appears to change, though. An extra XXXX cents in XXXX, a XXXX instead of a XXXX in another, things that might seem like innocent typos, but which suggest also an attempt to look at the demand as a new claim. There was XXXX medical visit, and XXXX bill for services rendered, which was addressed by the insurer. And each time the debt collectors send a demand, it comes from another entity, most recently Central Credit Services with a XXXX mailing address for correspondence and an XXXX XXXX paying address ( the same address as the most recent XXXX demand from XXXX ). Most recently the claim is listed as XXXX of XXXX XXXX, who it appears obtained it from XXXX. This claim continues to be on my credit report, despite requests that they correct this. I am concerned not only about my situation, but that this may be a broader practice, an attempt to baffle the consumer ( or an elderly consumer 's family or estate handling their finances ) into thinking a bill is unpaid so that the debt purchaser gets some return on their investment. Thank you in advance for your assistance with this.
Consumer complaint received 2022-03-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: State Collection Service, Inc. (TN)

I was told a needed a nebulizer for a company called XXXX XXXX. I picked up the nebulizer and I was never given any training or told that I was just leasing the nebulizer. nothing was explained to me by the company. I have been getting bills for XXXX every month for more than 2 years now. I have insurance I was never told how the billing works. I have tried to contact them and I have never had a conversation with them. I stopped paying because I thought this charge was fraudulent. I also filed a complaint with the XXXX XXXX XXXX against them. Since I could never get anyone to contact me I stopped paying. They now are sending these XXXX charges to a collection agency called state collection service. Numerous attempts to contact them and no response. I pay the XXXX because I do not want to mess up my credit. These companies are predatory and they do not care about patient care. I did not even need the nebulizer. I do not have it any more I didn't not know I didn't own it. when I moved I got rid of it. Now I guess I will be charged in perpetuity for this nebulizer I didn't need. I would like to get closure for this and put both these predatory companies in my rear view. I am now filing complaints against them both because they have not tried to reach out and fix this problem
Consumer complaint received 2019-07-12
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. (NJ)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.
Consumer complaint received 2022-04-14
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. (NC)

Ive submitted multiple request supporting my reason for removing these inaccurate entries on my credit profile. The Fair Credit Reporting Act States that XXXX XXXX and Transunion has to report 100 % accurate meaning that all three credit reporting agencies must report identical information and if one credit reporting agencies removes the account then the others should as well. I will be attaching all supporting documents even my credit report showing those accounts that are not reporting to all three credit reporting agencies. I request that you validate this inaccurate information and remove the negative accounts. This is my last request. Pursuant to XXXX5 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. If you don't have proof that I've sent written instructions then remove these accounts. Pursuant to 15 USC 1681a detention and rules ( d ) consumer Report ; The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( 2 ) Exclusions ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.
Consumer complaint received 2017-08-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (MS)

I was trying to do a refinance using the HARP program and first I was denied and I asked them why, and they had no reason. So the agent sent it back and asked for underwriting to look at it again. After 3 weeks I received a call saying that I did not qualify because of loss mitigation. I was informed that they had a program that I fit perfectly for, and they would give me the same rate. When asked how I qualified for one yet not the other I did not get an answer. So I asked them to send in writing why I was denied.
Consumer complaint received 2022-03-19
Product: Credit card or prepaid 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: SANTANDER BANK, NATIONAL ASSOCIATION (CT)

On XX/XX/2022 at XXXX am I received an automated text from Santander asking if I used my card ending in XXXX at the XXXX XXXX for a purchase totaling {$700.00} ( Image of text I received uploaded ). I replied no and received a thank text stating a fraud advisor will contact me. At XXXX am I took an incoming call from and advisor that lasted 10 minutes. She asked if I placed these charges to which I immediately stated no and that they are fraudulent charges. I was informed one charge had already posted and another one was pending. Both for the same amount. I was under the impression at the time of that call this was taken care of and no further action was required. 

On XX/XX/2022 I received a delivery confirmation email from XXXX showing the address the item was delivered to. I contacted Santander to see if this information would be helpful to them. I was placed on a long hold to which the representative came back and said they had all the information they needed. I continued to monitor my credit card statement for the charges to drop off so I could pay my bill. When the charges did not drop I called the bank again on XX/XX/2022 at XXXX pm with my concern over my credit being hurt by these charges not dropping and being past the due date for my credit card statement. The call lasted 27 minutes with the representative placing me on multiple holds. He returned and apologized stating he had no idea why but a dispute was never placed for the transactions. He said multiple times he had no idea why a dispute hadn't been input and apologized and acknowledged something was wrong. He then placed a formal dispute for the charges and I provided the delivery address for the items, the name on the shipping and the order number. 

On XX/XX/2022 I received a notice from the bank stating based on their investigation it was determined no billing error occurred because the documentation supplied by the merchant verified that I authorized the transaction meaning charges would be added to my account ( Letter attached ). 

These items were shipped to a " XXXX XXXX '' in XXXX XXXX ( Image of delivery confirmation uploaded ) and I have not lived in XXXX XXXX for over 6 months.
Consumer complaint received 2022-03-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Please refer to previous claim # XXXX, Case # XXXX. This case has been closed and it was suggested I contact the Merchant ( XXXX 's XXXX  ) which I did and I spoke to XXXX. We were charged {$290.00} for a take out order purchased on a square. XXXX gave me the following info 1. They don't use a square 2. They didn't generate the receipt or the invoice that BofA said was proof of the purchase 3. The time of the purchase was XXXX am. and they don't even open until XXXX am 4. This is the 3rd time a similar situation occurred with their establishment with nearly the identical receipt information ( menu items ) 5. She has no record of a charge in the amount of {$290.00} on XX/XX/2021 6 Now after completing further research I discovered the website they were using for evidence is fraudulent. 
Obviously, BofA is getting scammed and didn't really even investigate the claim thoroughly. I wonder who they contacted to get these falsified documents?
Consumer complaint received 2017-08-16
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (NY)

I was locked out of my Target account as usual because once again I forgot my username/password. I called was helped by a very nice rep who opened it back up. What I failed to realize was I had to answer 3 verification questions and one of the questions I was n't able to answer because lo and behold they had automatically switched my old card to my new card which I am waiting to get in the mail. I had to call again and this time the rep who picked up apparently does n't like her customer service job and hung up on me when I told her my issue and also told her that it was n't right to have switched everything when I do n't even have my new card because now there 's no way to access my account. With that, I proceeded to call a third time and this rep kept repeating himself how my new card is in the mail and I 'll get it in 3 weeks!! Well, how in the world does that help me now?! Especially since I placed an order with my old card yesterday & now I ca n't even check if that went through!! With that, this rep said he 'd transfer but did the same as the last rep & hung up on me! To top it all off, I 'll be away the week my card supposedly arrives & I ca n't use my card because it 's no good anymore because it 's not on file anymore now that my new card, which is NOT in my possession but somewhere in the postal system, was automatically put in. What kind of a company does that?! As a consumer, I 'm the sole person who should be changing my credit card info on file, not the company. That means they just go into peoples ' files. They need to change that. I do n't even know what to do now