davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1581 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse tem of information, other than records of convictions of crimes which antedates the report by moe than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Delete the account below!
Consumer complaint received 2023-04-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc. (TX)

On my credit report, I have 3 accounts in collections. I am currently on Medicaid and have been since the beginning of last year. Medicaid said the accounts should already be paid but of course they were sent to collections and now my credit report has since spiraled downhill for a bill that should have been paid. I called my doctors clinic and reported that Ive been on Medicaid and it was already in the system. I then took the steps to contact Lockhart , Morris & Mont but they will not call me back or take my Medicaid to pay it off. I need help because I have Medicaid and everything should be handled. My credit report is suffering because of this
Consumer complaint received 2023-04-01
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: Experian Information Solutions Inc. (AZ)

Hello, I am very concerned that an account I dont recognize is reporting in my consumer report. 
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. Company has also no permission to report ANYTHING using my info pursuant to 15 USC 1681 4.

Please delete immediately I am not liable for the account XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-01
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-06
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. (ID)

XXXX XXXX is reporting our closed account as 120 days late during the forbearance period although we had a contract and were current up to the forbearance being in effect. We were granted forbearance for 6 moths starting XXXX. We did not know the company had reported our account late as XXXX shows it current while the other two show it late. We called XXXX XXXX to get it corrected and they gave us the run around and refused to correct their obvious error. XXXX refuses to remove late payments assessed during XXXX Forbearance despite the fact federal mandate says servicers can not assess late payments during forbearance if a borrower was on time prior to the forbearance request.
Consumer complaint received 2019-07-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jzanus Ltd. (NY)

The collection agency is trying to collect a debt not owed. the Hospital wants to collect money not owed, the insurance company paid all debts. 

Sent the debt collector a letter to validate the debt and they did not and are still harassing
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trades Commission and i also enclosed copies of the Federal Trades Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-04-01
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: World Acceptance Corporation (IN)

I received a title loan with another party because it was her car. I paid the loan amount and she took out another one and refused to pay it back I tried explaining to the company but instead of going after the person I was who owned and requested the loan they keep adding it to me and my credit report
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Claims Bureau, Inc. (NY)

I sent the company a letter on XX/XX/2019, a request to validate the debt, they did not and continue to send harassing letters. 
the medical bills were paid by the insurance company and the hospital is trying to say they did not get paid enough.
Consumer complaint received 2019-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

To whom it may concern at Loancare : This is to correct an error made on your behalf per error resolution notice under 12C.F.R. *1024.35 I am writing to request that your correct the error described below in regard to the mortgage on my property at : address Payment Errors : OnXX/XX/2019 you withdrew by auto draft the amount of {$5000.00} ( this was done after our loan was paid off ) We contacted you on XX/XX/2019, we were told that we would be able to get a refund once we submitted you proof that the payment was made. You confirmed the loan was paid off and we also have proof from XXXX XXXX that you received the wire for the full pay off on XX/XX/2019. 
We emailed you again and attempted a call when we did not receive a confirmation with the requested ticket number on XX/XX/19, We were then advised that a check was to mailed to us on XX/XX/2019 We followed up and were told the check had not gone out. We then again called on XX/XX/2019 and were told that the request wasnt processed correctly. The customer service representative told us that they would request a call from the resolution desk but there was no one we could call. Later that day they called us ( this was a Friday ) We were told that there was nothing more that could be done until Monday. 
We have received communication again that the check will be sent out on XX/XX/2019. We are not confident of this as we have been told a check was going out a week earlier. 
It is essential, ethical and compulsory that you refund us the money that you took without a bonified need. Not only did you withdraw the payment for the loan balance was, but an additional {$3000.00}. 
You withdrew these funds After you received the complete pay off. We have no choice but to notify the Consumer Finance Protection Bureau of these mob-like practices. 
Return our funds, or we will pursue damages to the fullest extent allowed. We were put into a financial hardship by no fault of our own and will seek restitution if not handled immediately.
Consumer complaint received 2019-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (KY)

Attempted to pay online entire outstanding balance of a Chase Vise card on or about XX/XX/19, using a check issued against XXXX XXXX. Chase website returned as though the payment was processed, and deducted the payment. Some 6 to 10 days later, Chase reversed the payment as " returned. '' There was no notice nor any explanation provided to me of any kind about this " return, '' I discovered it by going online myself. During the interim time delay caused entirely by Chase, they added a {$28.00} " return item '' fee and a {$100.00} finance charge for another period. I have inquired with XXXX, and the check is good. XXXX indicates, as does Chase, that it was Chase that chose to reject the payment ( again, no explanation given, and no notice that they would, or already had, rejected the payment ). I have requested an explanation from Chase, and their customer service reps say nothing in response. Now, I can no longer input the routing and account info from XXXX XXXX into Chase 's online payment portal. Chase appears to be purposefully impeding the pay-off of their balance in order to continue to levy finance and other charges. I would like the {$28.00} + {$100.00} charges reversed, and for CPFB to investigate this practice.
Consumer complaint received 2019-07-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TD BANK US HOLDING COMPANY (FL)

TD BANK, NA, CONSUMER LENDING DEPARTMENT SENT A LETTER DATED XX/XX/2019. APPLICATION # XXXX STATING MY CREDIT SCORE IS " XXXX ''. 
I UNLOCKED AND UNFROZE MY CREDIT REPORT SO THE EMPLOYEES IN THE LOAN DEPARTMENT COULD ACCESS MY REPORT. I HAVE A GOOD CREDIT. 

TD BANK EMPLOYEES DO NOT RESPOND TO INQUIRIES WELL. 
EVEN WHEN THEY ARE OBVIOUSLY AT FAULT. 

I WANT CFPB TO RESOLVE THIS ISSUE. 
I AM BEING DESCRIMINATED AGAINST DUE TO AGE, INCOME, DISABILITY AND VETERAN STATUS.
Consumer complaint received 2019-07-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

We fell behind in 2017 due to excessive obligations when property was unoccupied. Since then we have tried and tried to reach out to Bank of America for help. They have FAILED to even try to assist with any Loss Mitigation options for what they say as the INSPECTOR 's word against ours. 

Our case for modification review is flagged because of the issue at inspection on XX/XX/17. At that time, according to INSPECTOR, tenant informed inspector that XXXX XXXX was not residing at the residence and the property was tenant occupied ONLY. 
We believe there may have been a NEIGHBOR that inspector spoke with and not a tenant. According to XXXX XXXX mother who was present on XX/XX/17, the inspector only spoke with a neighbor two homes down, and herself. 
It is clear that an error occurred with neighbor-to-inspector interaction at time of inspection. The only person present was XXXX XXXX mother. No other interaction with any tenants occurred during time of inspection. Property inspection had inaccuracies. We are requesting the proof that inspector had a valid reason to flag this file and/or accuse XXXX XXXX of being deceptive. We stand by the letter provided and dated for XX/XX/17, where XXXX XXXX clearly states he has no tenants and no rental income at that specific time.
Consumer complaint received 2022-01-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Corp Solutions Inc. (CT)

A company called Tasman Credit has called my office. I am a Realtor and my office number is for business only-not personal use. They called and let the receptionist know they were from a debt collection company and needed to speak with me urgently. When they transferred the call, it read on my Caller ID that it was my office calling. They were very abusive and told me to be responsible and pay my debt. I told them that I was not aware of this debt and the guy laughed at me and said I should be aware. He went on to say in a VERY SARCASTIC tone that " I'm sure you're soooo busy since you're a realtor and all but take some time and pay your bills. '' I was with a client at the time and was very frustrated with him and asked that they never call me at my office again. I also asked that they just mail me the information on my supposed debt and I will review it. 

I have NEVER received any information verifying this so-called debt. I have been called repeatedly by them on my cell phone and I have asked that they only mail any questions they may have. I even offered my email address. I asked that they not call my cell phone because I need the line open for my business. Tasman credit has interrupted several phone calls I have been on and are causing me a great deal of XXXX They won't give me proof that I owe them money but they are fine with calling my business and telling the administrators at my office that I owe them money.
Consumer complaint received 2023-04-01
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (UT)

Opened a checking and savings accounts with Wells Fargo on XX/XX/2023. Funded with {$44000.00} in good funds. 

Wells Fargo has committed two acts of FRAUD : 1- Fraudulently claiming that check in the amount of {$29000.00} was unpaid even though issuing institution confirms otherwise.

2- Fraudulently KITING  received monies by freezing them indefinitely with no resolution process, and multiple fraudulent representations to customer.
Consumer complaint received 2021-04-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (SC)

I opened up a XXXX XXXX credit card, financed by Comenity Bank in XXXX of 2020. 
The intent was to purchase furnishings for my new home. I purchased a bedroom set with the card in XXXX, and XXXXXX/XX/XXXX charged my card for the full amount, however I never received the goods. It took me 4 months to get a credit back to my account for goods that I never received. A XX/XX/XXXX telemarketer input false information about my account, stating that I received the bedroom set, and the headboard was damaged and I was waiting on a replacement- this was all fabricated lies. I never received ANY furniture from XXXX XX/XX/XXXX. After numerous phone calls and wait times and hold times to be transferred to supervisors - I finally got a supervisor who apologized to me and promised me a XXXX XX/XX/XXXX gift card on XX/XX/XXXX for all of the problems I experienced. So I tried again to order another bedroom set. This time the order was to be arriving in one month- but by end of XXXX the representative told me the order would not get to me until XXXX. Again I tried to cancel this second order- and was put on hold - ( on XX/XX/XXXX ) and Supervisor was very rude- said I can not get the credit back and when I asked about the Gift Card- She said I was not getting anything - I asked but 'what about all the problems I have had and the fact that the Customer is always right ' / and the Supervisor replied back ' Not in Your Case '!! After being verbally abused by XX/XX/XXXXteleworkers- I decided to pay off my balance and close my account- This account was paid off to zero on XX/XX/2020. 
So yesterday- XXXX XXXX I get a bill - from pottery barn for XXXX they decided to charge me several late fees - from just one months time- and they actually duplicate these fees on a closed account- when I called yesterday at XXXX the supervisor said she cant reimburse me the XXXX because the account is closed?? She told me the payment I made was one day late- so I got charged these fees. This is absolutely ludicrous and fraudulent and price-gauging!!!! I just want my account back toXX/XX/XXXX- I never ever ever want to deal with XX/XX/XXXX or Comenity bank ever again. - As a matter of fact, I received a customer service call from XX/XX/XXXX one week after I closed the account and I told her why I closed it. She said she was sorry to hear about my experiences- so this is how they take care of customers- by adding on another bill of false late fee charges -
Consumer complaint received 2023-04-01
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: Experian Information Solutions Inc. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-10-06
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. (CA)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts 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, Credit limit {$500.00} ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-04-01
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)

PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 B 2 COMPANY HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.
Consumer complaint received 2022-12-01
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. (WA)

I recently reviewed my credit report and found unauthorized inquiries. 

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX TransUnion refused to remove it. 
I even filed a Fraud report with the FTC. They must remove it immediately. 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete it.
Consumer complaint received 2022-12-16
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)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-10-02
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: WINN LAW GROUP, APC (CA)

On XX/XX/XXXX Winn Law Group send me a letter on behalf of XXXX XXXX XXXX saying they are going to take action under the California las and the superior court if I dont pay the debt of {$840.00} they are going to pursue with litigation and I have to pay all the legal fees.