davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (GA)

this issue was dealt with as an identity theft matter and was removed by XXXX this issue came up from early warnings and should not be its been reported to the ftc to the police and to all possible intities its affecting my well being due to not being able to get accounts recieve loans or further business endeavors in many ways
Consumer complaint received 2022-12-03
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)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX  XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX ; XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-06-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX  are reporting 8 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2021-06-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

This letter is a follow-up to my original letter regarding an inaccuracy in your credit reporting, regarding the entry being reported under. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX -- -- I don't live here. Please remove. 

XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX -- -- I don't live here. Please remove. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX -- -- I don't live here. Please remove. 

XXXX Date of inquiry : XX/XX/2019 -- -- - I don't recognized this inquiry. Please remove it from my credit report.
Consumer complaint received 2021-06-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. i am not sure if this is some mistake as i assume it has to be since i never did nothing wrong with my 14 years old account. i have not been able to get help from them for weeks but i just remembered i could file a report on here as i feel they are not doing their job properly and it is effecting me a great deal as i used PayPal quite frequently. My email linked to PayPal is XXXX XXXX
Consumer complaint received 2021-04-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central States Recovery, Inc. (MO)

Central State Recovery did not make any attempts to contact me about any outstanding balance. I had to find out by pulling a credit report. This is unfair practice in Credit collection so say the least. 
CENTRAL STATES RECOVERY is representing XXXX XXXX for XXXX. This amount is different then the amount requested from XXXX XXXX. 
I paid XXXX XXXX on XX/XX/2020 XXXX as payment in full. 
Now CENTRAL STATES RECOVERY has reported collection attempts for XXXX. No attempts had been made, to collect XXXX.
Consumer complaint received 2022-02-15
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. (AZ)

Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to TransUnion Bureau for them to verified and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : ChargeOff XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Collection XXXX XXXXXXXX Balance Owed : {$590.00} XXXX XXXX XXXXC XXXX Balance Owed : {$660.00} AXXXX XXXXXXXX XXXX Balance Owed : {$10000.00}
Consumer complaint received 2022-02-15
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. (AZ)

Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Equifax Bureau for them to verified and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : Late/ Open XXXX XXXX XXXX Balance Owed : {$13000.00} ChargeOff XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} Collection XXXX  XXXX Balance Owed : {$590.00} XXXX XXXX XXXX Balance Owed : {$970.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$660.00}
Consumer complaint received 2021-10-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Consumer complaint received 2021-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe (TX)

Hello CFPB, I recently pulled my credit report and noticed I have a collection account thats reporting from Conserve for XXXX XXXX XXXX XXXX for an amount of {$580.00}. I attended XXXX XXXX XXXX 2 years ago on a college grant and therefore I do not owe a balance whatsoever. Not only that, I was not sent the property correspondence from Conserve warning me ahead of time of any collection efforts before the the account was reported to the credit bureaus. I contacted Conserve on XX/XX/2021 and was told they could jot verify my identity to provide any details regarding the debt/account. Please help!!
Consumer complaint received 2021-04-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (TX)

This is the second time this debt has gone on my credit report and the third time disputing it with experience. They have removed it once but it was recently put back on. It is not on my other reports. XXXX will not open dispute again and is asking for proof. I can not prove that it isnt mine since I do not even know what it is?
Consumer complaint received 2019-08-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PMAB,LLC (NC)

PMAB is a collection agency that I had arrangements with to pay {$25.00} per month. Ive paid every month. This is for a medical bill that I have many of due to I have XXXX XXXX and doing many treatments. The company stated they had not received a payment from me since XX/XX/XXXX. I pulled copies of checked from bank account and faxed and mailed them showing where payments were made. They have not took off my credit. It ruined my credit score which I am working very hard to keep in the 700+ number but it went down to the upper 600s. I need help getting this corrected.
Consumer complaint received 2022-02-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (GA)

I am in the process of trying to acquire a mortgage loan. I contacted PNC Bank to consider getting my loan through them with me having a bank account with PNC as a long term customer. I spoke to a Mortgage rep name XXXX XXXX on XX/XX/2022. I told him what my interests were and he asked me to go onto the PNC website and submit documents. I did immediately and reached a snag in his enrolment online system where it would not allow me to move any further. I tried reaching out to XXXX for 2 days via text and calls. He responded XXXX days later. 

He finally sent me a link and asked me to log back in and try again. I did and after speaking with XXXX only twice I did not get a good working relationship feeling from him that says he would work hard to get my loan done. I called XXXX XXXX on XX/XX/XXXX and told him that I did not want to continue working with him and that he should cease and dismiss all actions related to working with my account because I have decided to work with someone else. 

XXXX XXXX was came off disturbed asking why did I want to discontinue our working relationship and I explained that I decided to work with someone else who offers a little more optimism and enthusiasm with my loan application. XXXX XXXX went onto start explaining how he didn't see where it would matter because he did not see where anyone could get the loan approved. 

To the contrary, there is a mortgage company who can get the loan done and all they were waiting on was a letter from my university to close. I hung up on XXXX XXXX and in return he submitted a slew of derogatory comments to my credit reporting agency stating, " my loans were being denied by PNC '' for a multitude of reasons. 

The unethical, unprofessional, and fraudulent actions by XXXX XXXX where all based on misleading reasons for reporting from the beginning. If there were to be any report filed, Mr. XXXX XXXX should have filed that, " the loan application was canceled by the consumer. '' However, in his unprofessional abuse of power, Mr. XXXX XXXX took it upon himself to conclude, out of anger, that he would directly lie to prevent me from doing as I stated and go work with a different lender. Mr. XXXX XXXX violated my consumer right to not work with him and abused his power to destroy my chances of getting a loan with someone else. 
I have a closing date coming up in approximately 5 days and XXXX XXXX, because I chose not to work with him has caused my loan to beheld up and possibly lose my loan. I do plan to follow this complaint up with an attorney and HUD as well. I do not suggest anyone do business with PNC Bank considering this is the type of abuse of power and unprofessionalism you are subjected to have to encounter.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NC)

JPMCB flagged our mortgage account late several times although payments were made in time ( payment was due on the XXXX of each month and they have received the payments in time ). This, and other issues, have been communicated several times to JPMCB will little success. 

We sold our house in XXXX of XXXX and JPMCB flagged us late again for XXXX of XXXX. There was an issue with the buyers check that didn't clear in time but that was out of our control. We opened a dispute with XXXX to make our case. The case was rejected, but when comparing the payment history before and after the complaint, we are now flagged late for XX/XX/XXXX, and no payment history is shown for XX/XX/XXXX. Another " late '' date has changed as well - before we were " late '' in XX/XX/XXXX and we are now late in XXXX of XXXX. 

JPMCB credit reporting is arbitrary and completely erratic! Because of this our credit score has dropped significantly, and we had extreme difficulties to find a bank willing to work with us on our new construction loan. We tried to obtain a construction loan in XXXX of XXXX but had to wait until XX/XX/XXXX until our credit score had improved enough to be able to get a construction loan. We've missed our window of opportunity to secure a loan at a more favorable interest rate, and had to postpone begin of construction. 

Evidence and documentation is available to prove that my statements above are correct!
Consumer complaint received 2022-12-03
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. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX TN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

Credit report shows my deceased husband credit card debt of XXXX XXXX odd dollars with XXXX XXXX XXXX XXXX which I am an associate card holder as mine and I want it removed since my husband is deceased and it shows delinquent it will hinder my credit score, When I asked for it to be removed, I was told it shows I am an associate holder, and it won't ever be removed since it says associate card holder. I have been told repeatedly it is hindering my credit score.
Consumer complaint received 2022-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (SC)

Received a mortgage account statement with what appears to be a late payment fee from Truist. My mortgage is paid by automatic debit and was deducted on time. I have waited on the phone for over 2 hours and 25 minutes, and no one responds.
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AZ)

In XX/XX/2021 I contacted XXXX, XXXX & Equifax notifying them the addresses they have on record are outdated & incorrect. I sent them personal identifying information and proof of address, as well I mailed the letters from my current address. I have recently pulled my credit report again, and the incorrect addresses are still listed on my record.
Consumer complaint received 2022-03-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MA)

Hello, I received a vanilla gift card for {$100.00} for my baby shower. I opened the gift card to use and was surprised it was already used. I called the customer service number in the back and it took me an hour to file a claim. The representative wanted my date of birth, name, address and location where I purchased the card ( after repeatedly said it was a gift ). The woman on the phone kept intimidating me by saying we cant do nothing without the card. But, I provided the card number. So, I have the card. I called in XXXX and followed up many times when I didnt receive my dispute claim form via email ( as promised ). I called and they told me they had the wrong email and asked for tons of personal information liken date of birth, address, etc again. Even though I gave them the ticket number and it was their error. The form stated that they will follow up in 90 days. When the 90 days is up, the dispute team wrote back to see I didnt send the ticket number. But, the ticket number is not included on the form and shouldnt matter. I responded right away and no response. I called XX/XX/XXXX and they informed me that my claim has been reopened as of XX/XX/XXXX and I need to wait another 90 days. They cant connect me to the claims people making these decisions and I have no choice to sit and wait another 90 days. This is their way of not reimbursing me They told me the card was used at a XXXX in Oregon and I live in Mass. they have the information they need and they sit on cases just to deny them and start the 90 day process again. They are a bunch of thieves. Each time I called, I waited 45 mins to dispute a {$74.00} charge on a {$10.00} gift card. 

DO NOT BUY VANILLA GIFT CARDS. I know others who lost money because theyre tired of keep following up with them
Consumer complaint received 2021-10-28
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. (NY)

My name is XXXX, my identity got stolen. You should blocked the information in the file that I've mentioned. I am submitting the copy of my ID, an Identity theft report and a notarized identity theft affidavit.
Consumer complaint received 2021-06-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Im hoping someone can help me with this it was recommended to me to work on my credit first before I purchase a property so that I can get better options for my mortgage. While working on my report we realized that there were violations on my report credit report. I sent out some letters with assistance from my lawyer, and we haven't gotten any response from them as of yet and it has been over 60 days. It was my understanding that all fraudulent items that we disputed should have been deleted within 30 days or at least we should have had an answer by now and it has been over4 45 days. please assist me with getting these items deleted.

The bureaus are in violation of 15 USC 1681a ( 2 ) ( b ) I did not give written consent to furnish any infofmation, Pursuant to 15 USC 1681a ( 2 ). No consent is identity theft, this is a violatio. I demand that the items be deleted from my report
Consumer complaint received 2021-04-15
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. (MD)

I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX because to my knowledge I do not recall being late. I need this problem fixed ASAP, I will not wait another 74 days to receive no response because clearly Im being ignored. I demand this accounts be updated immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ), plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove/update items from my credit report, it has been 74 days so they should be updated to pays as agreed promptly.
Consumer complaint received 2015-07-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank Has literally given me the chase. I have been trying to go through modification and now sale payoff with this bank for almost a year. If they would have given us a loan modification back in 2010, we would ot have such a high balance on our loan, They are forceing us into forclosure.In 2010 with the help of HUD we applied for a modification after being turned down for a refinance from an ARM to a fixed rate with perfect credit score. They have given us the run around ever since. They told us to stop making payments for XXXX days and we would be able to apply for a lower intrest rate loan throught their mod process, so XXXX years later we still find the lies and the run around. They are forceing us itnto forclosure. They are trying to get us to just give up. we have been now in contact with the executive office and are still recieving misinformation peolpe can not take notes properly and can not help with the process. This office has become just aother layer in the chase for someone to do somethig to help the homeowner.After speaking with an Exec office person, the answer was of nothing that was asked.None of the questions that were asked were answered.Phone calls not returned even supervisors ca n't return phone calls. This madnes has affected our familylife for far to long. Can someone please help stop the madness.