davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

From XX/XX/XXXX to present. I send Transunion several letters in accordance with FCRA under Section 609 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 1 ) ( A ) under Section 611 ( 5 ) ( A ) to provide any original documentation with my signature as required. 

Transunion never provide such documents when investigating the matter when it alleging came back " verified ''. If it was reported correctly as they mention who verified it? 

Iamalsorequestingthe METHODOFVERIFICATION accordingto FCRAsection611 ( a ) ( 7 ). For the ( 12 ) Twelve accounts in question ( a ) The name of the creditor ( b ) The persons name and title showing that they verified the dispute with ( c ) The address ( d ) The telephone number and ( e ) The documentation used to verify the dispute. 

If Transunion reply it would show clearing that they did not provide no evidence to me thus in violation of FCRA. The overall risk to me and my credit rating could be damage greatly all because of Transunion non-compliance. 

Anyone paying for Transunion services could fax, mail, or email in a fraudulent account. 

Since it still reporting on my credit report I'm sure that Transunion could easily provide it to CFPB. If not, look at the long-term damages its doing to me and potential lenders I would like to do business with, but unable to due to this error. 

In addition to validation of account 1 specifically. XXXX not even the original creditor but before called XXXX XXXX etc ... sold the account to XXXX. XXXX sue me in court and the final outcome was a mutal dismissal with prejudice. At this time dating back in XX/XX/XXXXtwo the same accounts were reporting under different names. Once I called the original creditor they said that I would have to contact XXXX regarding the account info. Ok I did to reminder them of their breach of contract regarding settling the account in question and complete removal of the account off my credit report. They complied, but the so-called original creditor still posted the account under their name. Is that legal? or lawful to report the same account twice sell it on penny on the dollars to a third party with their proof of evidence presented in court against me. The third party sues me, and lost. Do CFPB think if XXXX would have won they would of paid the other again after buying the debt? Since I hold trans union fully responsible with their non-compliance of the law have not fact checking all the information presented to them for removal of all 12 accounts in question.
Consumer complaint received 2018-09-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (GA)

We have property damage claim that was filed with XXXX XXXX XXXX in XX/XX/2018. XXXX XXXX has paid 100 % of the claim. Because XXXX XXXX is a lender on our property the insurance checks from XXXX XXXX were made payable to us and XXXXXXXX XXXX. We have received {$25000.00} from XXXX XXXX and have sent the payments/checks to XXXX XXXX. XXXX XXXX has only released {$11000.00XXXX XXXX XXXX XXXX payments on XX/XX/2018 and XX/XX/2018 to pay a portion of the repairs. Contractors finished that portion on XX/XX/2018. There is still a remaining {$13000.00} that XXXXXXXX XXXX is still holding. Our mortgage is up to date and according to XXXX XXXX XXXX protocol, in order for additional funds to be released, they require an inspection. Contractors are finishing the repairs based on our claim. We have scheduled via XXXXXXXX XXXX two appointments to have this inspection completed so funds can be released to the the contractors for work completed per our contract with them. The inspector has FAILED to show up both times, has not called and will not return our calls. WE have expressed this to XXXXXXXX XXXX both times. They have given us the number to the inspector that THEY have contracted with to resolve. This is not acceptable. We have contacted XXXX XXXX to get this resolved to no avail. WE do not have the personal funds to pay the contractors for the work they will finish in about XXXX day. We have also made XXXX XXXX aware that this issue is going on. However, XXXX XXXX says they have any authority to help resolve. Since XXXXXXXX XXXX has taken longer to pay out disbursements, other damage, MOLD damage has occurred. This will cause an ADDITIONAL claim to be submitted to XXXX XXXX for Mold Remediation.
Consumer complaint received 2023-08-21
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. (CA)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$53000.00}.
Consumer complaint received 2018-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MO)

I have contacted Experian so many times via phone online, and via first class mailings on many many occasions in regards to 2 accounts that were placed in my name that did not belong to me and i did not authorize or was not familiar with.I get the same results and i have had it, it makes it look very bad on my credit report, and reporting negatively. I am trying to build my credit up to obtain better things in life and it makes it difficult when they checking credit and i have negative accounts that do not belong to me reporting inaccurately.I have disputed and reached out to Experian more then several times and they say the same thing over and over.The companies either need to send proof or validation or it needs to be removed.This account does not belong to me. I have done the FTC, I have called and they have told me that their handling it and they received proper paperwork and i should see an update and i never do.The last Rep talked to name was XXXX in the Customer Service, I have not had any luck with this. The following accounts that are reporting are : XXXX XXXX XXXX with a balance of {$490.00} and XXXX XXXX XXXX with a balance of {$600.00}
Consumer complaint received 2017-05-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P. (VA)

Abo ut ten y ears ago, my then husband had unknown to me gotten a credit card with my information. My ex husbands abusive behaviors led to our divorce at the time.   Lo and behold, I get a garnishment summons for an amount t I have no clue of. I have never had a  XXXX   XXXX  charge card.I have been divorced from my ex husband for 13 years now. I tried explaining to these  collectors bu t they wo n't budge. How do I support  XXXX  kids with my pay garnished.? Please help me resolve this issue.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX XXXX XXXX & XXXX XXXX
Consumer complaint received 2019-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: ZIONS BANCORPORATION (TX)

On XX/XX/2019 I came into the Amegy bank branch to open a Business Credit Card, Checking, and Money Market account after being informed prior about a promotion for new customers. XXXX XXXX from the Branch collected my information and proceeded to open the accounts. All accounts were opened to my understanding and the credit card approved with a credit limit of {$5000.00}. 

On XX/XX/2019 after some issues with online banking and my credit card account not being shown online, I was informed that Amegy, at their sole discretion opened a Personal line credit card for me instead of the Business Credit Card that I had applied for. The banker who was assisting me informed me that in order to process a Business Credit Card application and ensure that I would be receiving the promotional bonus, that I will need to submit a Business Credit Card application via paper. After submitting a business credit card application via paper I was informed that the application was denied because my business did not meet the parameters set forth by Amegy to approve a business credit line. I was then informed that because the promotion was only for the business credit card and not the personal ( which I had used and fulfilled my obligations for in order to receive the promotional bonus that was advertised to me ), I would not be getting any of the promotional bonuses.

My issue now is that : - I have two credit inquiries on my credit report. One for a product that I did not apply for.

- I have a personal credit line account showing on my credit report which has adversely negatively affected my credit score and profile.

- I will not be receiving any of the promotional bonuses that were stated I was eligible for when opening my accounts.

Frankly, the application process should have stopped when the First Business Credit Card application was submitted. Amegy should NOT have opened a Personal Credit Card line for me at their sole discretion and instead denied my application as they did the second time that I was informed I had to apply. Amegy is stating that it is in within their rights and terms that they may evaluate me for personal credit card, when a business application has been submitted, but I have yet to receive where in the credit card application those terms are stated.
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Chime Financial Inc (IL)

the chime credit builder card by XXXX isnt reporting to the bureas properly. most other users have reported that theyve stopped reporting to XXXX around XXXX XXXX for me, they still have yet to even report to XXXX in addition to XXXX
Consumer complaint received 2020-09-16
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. (CA)

I have sent XXXX separate rounds of letters asking the bureau to verify my complaints and verify and show proof of my signature of the credit card and they have yet to provide me with any proof making these unverified accounts that are hurting my credit score to buy a home for my self and my child as a XXXX father this negative reporting is holding our house hold back. Please see attached document with certified mail receipt
Consumer complaint received 2019-06-11
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (NY)

XXXX sold my account or transferred my account to PHH mortgage services. 

I received a letter end of XXXX. In XXXX I would have to start making payments to PHH. In XXXX and XXXX I struggled to bring my account current. 

In XXXX I went to pay at XXXX XXXX but my account was not merged to PHH. 
I paid to ocwen and the fee was set to {$16.00} as to {$2.00} per transaction. 
On the statement it said I pay {$590.00}. 
My Property tax is {$2500.00} and school tax with star program is {$1800.00} and Insurance is {$640.00} total of {$5000.00} escrow {$420.00} Now PHH has put the mortgage payment as XXXX escrow at {$490.00} total in 12 months {$5900.00}. 
over $ XXXX Not only that my account has not been updated in the system and have charged me for inspection and also sent a notice of additional escrow. 
I have been in this house for 17 years. 
I think it is fair to be told how they come up with that figure of {$660.00} stop the threat calls and robo calls. 
False escrow calculations.
Consumer complaint received 2023-03-20
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: Experian Information Solutions Inc. (CA)

In accordance with the fair credit Reporting Act XXXX Account XXXX Account # XXXX has violated my rights.

15 U.S.C. 1681 section 604 A. State I have the right to privacy.

15 U.S.C. 1681 604 A section 2. It also states a consumer reporting agency can not furnish a account without written instructions.

Account have either been Paid in full or state inaccurate dates
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, Transunion, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.
Consumer complaint received 2020-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2020 Chase closed down all of my credit card accounts personal and business. the given reason I received in a letter was, that there was unexpected activity on my account. however I feel this was done purely out of discrimination against me. I had have a relationship with chase for many many years and I never ever failed to make a payment on time, the closing of the accounts really hurt me and having spoken to numerous managers of chase no one was able to help me
Consumer complaint received 2019-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (IL)

Several on going problems with the PNC banl rather than put my health in any way at risk by formal or whatever type of complaints would rather speak with corporate pnc customer service than immediately over assume the situation that the bank stole my money or had fraudulent workers misrepresenting the bank which has resulted in thousands of dollars of potential unrecoverable or payable total loss financially and put mt health at risk when corporate may be able to fix once they look internally about bank representatives pretending to represent pnc and mislead me to gain account information and access which has been reported to pnc bank.
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

Im a divorcee, worked 1 and 2 jobs most of my life and raised XXXX sons ( now grown ) on my own and never made excuses. 
Ive always taken personal responsibility for my poor credit, but when I retired in 2012, I filed for a Chapter XXXX and yet paid my bills and managed to pay off {$40000.00} in a 6 year period. 
My sons were now grown and my income had improved, so I worked on improving my credit. 
Ive monitored my credit for 6-7 years and its slowly improved. However, the Bankruptcy recently fell off my credit, and now after 6-7 years my credit score dropped 53 points.

In 6-7 years, Ive paid my bills on time and most often paid them early.

Now Im being told that because of algorithm used by XXXX, its impacted my credit score negatively. 
There is something very wrong with this. I understand that XXXX and Equifax are separate companies, but with Equifax my score fell for the same reason 8 points. 
Its like XXXX is working against me and others. There is something very wrong with this picture. 
XXXX uses terms like algorithm as an excuse. I am asking that you look at my credit report situation and correct my credit report. I am XXXX years old now..through an emergency situation that recently arose, I was made aware that I need a new roof on part of my house. I was looking forward to getting a positive credit score so that I could arrange for financing at a decent interest rate. XXXX has caused me great harm. I am very upset.please advise.
Consumer complaint received 2019-06-11
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: NAVY FEDERAL CREDIT UNION (TX)

I do not know until I look at my record report all three of them then Ill find out why all set on getting denied for small loans that I used to not get the night at all theres something on my record is hurt me and I believe it might be fraudulent
Consumer complaint received 2022-10-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CCF Intermediate Holdings LLC (MI)

I loan from Checksmart XXXX times. I signed up for a payment plan and was working on paying off my loan. I paid my XXXX  payment on XX/XX/2022 I called on my next payment date because I was scheduled to work at both of my jobs and couldnt make it in. Asked what I could do before the payment plan my payments were set up on XXXX  They told me they will just cash my check and once it clears I could come in for my refund. I waited for my check to clear it did. I went in to get my refund and they said I could reload but he couldnt give me my {$180.00} in cash that it would be electronically refunded in XXXXXXXX XXXX. Today is the XXXXXXXX XXXX and I havent been refunded. If they see everything cleared why would I need to reload to have cash instead of just giving me my money back. Its like they want me to have to keep loaning. If I was eligible to reload then there is no reason I couldnt be given my money.
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (MI)

Called GM Financial. They told me they had not updated the credit report. So the amount reported includes both the end of lease charges and the payments I have already made. 

I advised them that the information was inaccurate. They did not take any action on this matter.
Consumer complaint received 2019-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (TX)

In XX/XX/2015 I opened up a secured credit card ( XXXX limit ) with Wells Fargo. I had to sign at least 10 documents to open up this card and give them my XXXX dollar deposit. After sometime and with my account in good standing Wells Fargo decided to " upgrade '' my account to be unsecured without my permission or my knowledge. They said that they sent a letter notifying me of this upgrade and since I didn't respond within 60 days to decline this they then deposited my XXXX back into my account making my credit card unsecured. 

Around the same time as the incident mentioned above my life was altered by a car wreck and I had many unforeseen expenses. Of course I maxed my " secured '' card out during this time and when I went to Wells Fargo to close out my account they told me " Your account was upgraded months ago. '' Needless to say I was speechless and at a loss for what to do. I still can't understand how I had to sign 10 documents to open the account but not ONE to upgrade to an unsecured account! My whole point is that if I had known that my card was unsecured then I would have definitely refrained from spending the money. I asked Wells Fargo for an explanation and they said that since I did not decline the offer within 60 days that it is just like accepting it.
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: United Credit Education Services (IL)

After signing up with United Credit Education Services ( UCES ) I realized that I would have to handle the paperwork regarding my credit repair. I was responsible for mailing dispute letters and sending their company any updates regarding my credit reports. I would then have to send them this correspondence and await for additional dispute letters to send myself. This information was not brought to my attention until after I paid my {$100.00} sign up fee and $ XXXX monthly fee ( {$180.00} total to start the service ). I was not pleased, but was aware of their full refund option so I kept the service awaiting for items to be removed from my report. My first dispute letters were mailed to me and I sent them to the bureaus. The second dispute letters were submitted to my account via PDF which is password protected and I was never provided the password to access. Now, after 3 months of service and with no changes to my credit report by their service I have requested a refund. Their site and the representative I initiated this service with stated there is a money back guarantee and their website indicates they offer a full refund if not satisfied with their services. The specific language regarding is below : Once you get started with our proven approach to credit restoration, you may begin to see exciting results within the first 60 to 90 days. With your ongoing participation, you can continue to experience improved credit throughout our credit restoration process. UCES understands that every financial scenario is different ; that's why we back our service with a Satisfaction Guarantee, taking every step to ensure a positive experience. Extended service times, other product offerings, and money back options, up to and including a full refund should we not meet your expectations. What do you have to lose other than your less than perfect credit? Individual results may vary. 

I have reached out to Customer Service and to no avail will not receive any refund for their services.