davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX  continues to play its ridiculous game of cat and mouse and it continues to destroy my Credit along long way they have been nothing but uncooperative when it came to me finally understanding why it is that the gap insurance I paid extra money for when buying my car no longer covers the gap between the sale price of my car the insurance price of my car and was owed to the finance company. Gap insurance is purchased to cover that and they had no problem collecting my fees and splitting them up amongst each other while in the long run company insurance fraud. XXXX XXXX has no right to continue to collect a debt thats not owed its fraud that they committed and I need to see PFB to look into the matter so they know that their fiduciary responsibility is to deal with customers on a fair and equitable level.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Early Warning Services, LLC (CA)

There is a report from EarlyWarningServices stating I had an account with XXXX XXXX XXXX XXXX which states the account was closed for fund transfer fraud yet i never opened this account or authorized it to be opened. The account was opened in 2017 XX/XX/XXXX. The account is connected to an address and phone number that is not mine, phone number XXXX and address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX.
Consumer complaint received 2021-12-14
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. (LA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX Inquiry Date XX/XX/2020 XXXX
Consumer complaint received 2021-08-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (CA)

My loan was transferred to Shellpoint Mortgage Servicing on XX/XX/2021. I received notifications from insurance company and XXXX County, that no payments have been received. I contacted Shellpoint Mortgage Servicing on XX/XX/2021, I was told by XXXX that my insurance is not escrowed, and I need to pay the insurance directly to the insurance company. 

I contacted Shellpoint Mortgage Servicing on XX/XX/2021, spoke with XXXX with the tax department. I was told that there is no county tax in my escrow. On my monthly statement, there is a line item, " Escrow ( Taxes and Insurance ) {$630.00}. '' Please provide written confirmation that taxes and insurance are escrowed. If not, please refund {$630.00} that I paid for XXXX and XXXX, immediately.
Consumer complaint received 2021-05-11
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)

There are items on my credit report that are violations of the FCRA. I request for these items to be remove expeditiously for violating my rights as a consumer. There is invasion of my privacy and defamation of my character. No consent, Identity theft!
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: PENNYMAC LOAN SERVICES, LLC. (NC)

The mortgage company is reporting forclosure on my account in XXXX of XXXX and the house was sold and paid off in XXXX of XXXX. There was no forclosure on my property they tried to do a forclosure fraud in the home. They held up paperwork twice for two buyers so that we would go into forcloser. In XXXX i spoke with several employees from pennyman and i was told the forclosure was a mistake amd it would be taken off, so XXXX my wife and i go to start looking to buy a house and the forcloser appeared again on my credit report so i got back intouch with then amd was told again they would take it off amd did not. so i reached out to XXXX  amd was told to have them send a email stating that so i did amd was told that a fullfillment department would reach out to me to take care of the issue, come to find out there is no such thing as this department. so now im still battling with pennymac to have this removed this had caused alot of problems and issues with myself and my family as we are trying to purchase a new forever home. so my last step is to contact the consumer finance to help solve this problem and get this removed off my credit report thanks. again i was lied to for over 3 years now back amd forth from a major mortgage company which i read up on the XXXX  and there ratings are not good.
Consumer complaint received 2021-08-26
Product: Debt collection — Other 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: MVBA, L.L.C. (MD)

Over the past several months myself, friends, and family members have all been harassed by this " company '' They expressed to my grandparents that I will be taken to jail if they didn't pay this " debt '' Upon speaking to my mother they made the same statements and called her 19 times in 2 hours. I routinely get text messages threatening to " have me arrested '' if I do not pay within 24 hours. I have no debt. I have paid all of my debts. I am tired of being harassed by these shady companies for things that simply don't exist. I'm tired of my family and friends being harassed and threatened for something that doesn't exist. I have previously filed a complaint against this company and will continue to do so every chance I get. These tactics are illegal and will continue to be illegal. I have contacted the " courts '' they state I owe a debt to and no records have been found. I urge our government to act accordingly and hold these " law firms '' accountable for the scare tactics and fearmongering they use to collect false debts. I have contacted the " law firm '' directly and was not able to get any useful information. They asked for my FULL social security number. Sorry, not falling for that one again.
Consumer complaint received 2021-12-14
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. (IN)

On XX/XX/2021, 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 2021-12-14
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)

On XX/XX/2021, 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 2021-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY (NH)

My husband added me as an authorized user to his TD Bank visa account without my permission and my social security number is being used. This account is being reported and negatively impacting my credit score due to a high balance. My husband will not remove me from the account and TD Bank states he is the only one that can remove me and I can not remove myself. I want my name ( even as an authorized user ) off this account and I want it to stop impacting my credit score.
Consumer complaint received 2021-08-26
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)

I sent a complaint about so many inaccurate details information on XX/XX/2021. but to this day over 60 days have passed I still have no response coming from you. I feel like they are not taking me seriously for some reason, I was told that by law, you were supposed to respond within 30 days so is clearly a violation. I will seek legal help if i need to but I want these inaccurate information on my report deleted. if i need to take this to the next level I would but i hope this issue will be resolved soon and get me cleared from any misleading details. I am going to wait for your response
Consumer complaint received 2021-12-14
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NY)

XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Using a Lowes Credit Card I made a purchase ( ~ {$1500.00} ) at Lowes XXXX New York some three months back ~ XXXX. Lowes was not able to deliver the item. Lowes credited my Credit for the amount of that purchase.

Aften ~three month of me making other purchases at Lowes using my Lowes credit card, SYNCHRONY BANK decided to refund the remain credit card balance of {$1000.00}. They debited my account for that amount on XX/XX/2021. I called SYNCHRONY BANK reguarding the debit to my credit card on XX/XX/2021 and they ( XXXX ) said that a check was sent ( by XXXX ) to me on XX/XX/2021. I did not receive that check. on XXXX I again called SYNCHRONY BANK and told them that I still have not received a refund check from them. A asked them for a tracking number but they refused. SYNCHRONY BANK would not provide me with any tracking information or any proof that they actually sent refund. 

To date : I have not received the refund by check and I am out {$1000.00}. 

Can you please help me?
Consumer complaint received 2021-05-11
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. (MI)

I have disputed unverifiable information reporting to my credit file on XX/XX/2021. I have never received a response from either XXXX. WHICH is a direct violation of my rights
Consumer complaint received 2022-07-06
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX DEPTEDXXXX Account # XXXX DEPTEDXXXX has violated my rights XXXX 

15 U.S.C 1681 section 602 A states that I have a right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

My credit score is Excellent, averaging about XXXX. I applied for a Capital One card and was denied a card without explanation, even though Capital One 's credit reporting tool, Credit Wise, showed I had an XXXX credit rating with no defaults, bankruptcies, unpaid accounts, etc. This denial is hurting my credit and is unsupported by the law or facts.
Consumer complaint received 2021-05-11
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. (MI)

A letter was sent to the credit reporting agencies regarding inaccuracies on my credit file. I sent a letter on XX/XX/2021. The XXXX has not contacted me regarding my case which is a direct violation of my rights
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I received communication from XXXX XXXX, XXXX and XXXX XXXX notifying me of recent unauthorized credit inquiries. These inquiries occurred mostly from XX/XX/XXXX-XX/XX/XXXX from multiple agencies. I am concerned as I feel an unscrupulous automobile dealer has done this. Please remove these inquiries. Companies noted with unauthorized inquiries include : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX/XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX/XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX   XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX/XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) Additionally, I did not authorize the following credit inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. ()

I have lived overseas XXXX XXXX XXXX for 15 years. I am trying to access my credit report online, but none of the companies are capable of understanding XXXX  addresses. Annual Credit Report needs XXXX addresses. Hard to provide when I haven't set foot in the XXXX since 2018. Equifax needs zip codes - don't have them here. XXXX doesn't want to even deal with XXXX  XXXX addresses. XXXX  just sends you to AnnualCreditReport.com, so more of the same. 

If you try to tell me that I can just request my report by mail, please understand I am not interested in mailing personal financial information at a significant cost to myself, XXXX, the free annual credit report is not free.
Consumer complaint received 2022-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Comerica (MS)

A hackr ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ) possibly them has been attacking by cybersercurity hacking to my phone on anything they can and will not let me put or continue with my creating an account without changing my information or just blocking the submit button.They are trying to steal my information location is XXXX.My number is ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX please contact me or send an agent they have been forwarding my calls and messages to thiersel es acting like me.tha k you
Consumer complaint received 2022-03-28
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. (CA)

This account is inaccurate in multiple ways balance, open date, last payment date past due delinquencies in the wrong year and please delete these errors for it is very damaging to my credit report and is harming my reputation I have a recent statement from XXXX to prove this account is inaccurate on many levels please delete ASAP.
Consumer complaint received 2021-08-26
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)

On XX/XX/XXXX I submitted a dispute request via XXXX XXXX for an collection account that the creditor ( XXXX ) agreed to delete from my creditor report due to me paying the entire balance so I could re-instate insurance with them. The debt of {$120.00} which was reported by XXXX ( XXXX XXXX XXXX ) was paid in agreeance to delete to the original creditor ( XXXX ) and it was paid on XX/XX/XXXX ( receipt attached ). The representative at XXXX told me that the system will update overnight and they will notify the collection agency to remove my account. On XX/XX/XXXX I received a update from TransUnion that my investigated was updated as " Accurate '' and they added a remark to the collection that reads '' Account information disputed by consumer, meets FCRA requirements ''. It still shows I owe this {$120.00} balance. It still is showing on my report when the original creditor, XXXX, agreed to delete. I attached the proof of my payment to XXXX the original creditor. In addition, I do not believe they did their full investigation to see my claim. I called XXXX on XX/XX/XXXX and was told that the account should be removed. They already sent notification to XXXX on XX/XX/XXXX.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX 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
Consumer complaint received 2021-08-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

On XXXX I walked into my local Chase bank and sat with an officer who reviewed my information and verified my veteran status. We proceeded to create an account without any issues. A week later, I receive a letter from Chase notifying me that my bank account is to be closed without reversal of their decision. On that notification letter nor via the call center or branch office did they provide me with a reason why. I've called and haven't gotten a response other than 'Chase does not let us know why '. I do have an Amazon Chase credit card which is still active. But yet, I have no response as to why close the bank account. I own my own home, have ok credit, stable income and a reliable career, along with veteran designation and I do banking with another institution as well. I don't have anything crazy on my credit reports either. I've never been involved in a crime or have any judgements against me. I just want transparency to understand where their decision stems from, other than the assumption that they just didn't like my last name.
Consumer complaint received 2022-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (WA)

I have emailed both of the companies I had a student loan with ( XXXX XXXX XXXX and mohela ). XXXX XXXX XXXX  responded saying they are no longer responsible so I emailed mohela about the issue. Although I made payments to both companies since XX/XX/2020. I wish to receive a refund for payments made after XX/XX/2020 on behalf of the new {$10000.00} relief for student loan debt. I qualify for the relief. However if I dont receive the refund before everything is processed Im worried I wont receive the full amount in debt relief. 
Thank you for your time XXXX XXXX
Consumer complaint received 2021-12-14
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: EQUIFAX, INC. (FL)

1. Made a request for a method of verification as it pertains to a XXXX  XXXX XXXX account that was reporting on my credit report. That request was received by the credit bureaus in XX/XX/2021. To this date all I have gotten are letters stating that it is reporting accurately. There method or procedure used to get this conclusion were not disclosed. 

2.I would also like to opt out of a clause that the credit bureaus have which states that if you created an online account with them to view your credit report with them, then you can not file a lawsuit against them. I want the credit bureaus to opt me out of this clause please.
Consumer complaint received 2022-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have recently submitted a complaint with the CFPB to have accounts that were subnitted on an FTC Report to be removed/deleted. Not all accounts were deleted. The bureaus have made several violations of federal law under the Fair Credit Reporting Act. I do not appreciate being undermined as a consumer.
Consumer complaint received 2022-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These accounts where fraudulently open without my consent I disputed these inaccurate accounts and the credit bureaus removed the information then a couple weeks later they readded unblocked the fraudulent accounts on my report and I need this resolved quickly I have sent in FTC report along with any and every other documents I have hade multiple time also its been over 90 days with no investigation results this fraudulent active is harmful to me and my family in a global pandemic and its stoping use from obtaining credit please have them re investigate it