davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-25
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: I.C. System, Inc. (IN)

XXXX XXXX XXXX I went in for a XXXX and the XXXX just started doing other work and XXXX  on a XXXX  to have ready she said. They were taking me so fast because I had a credit card XXXX card I used the whole amount, I didn't like how long it would take her to work on my mouth I was just unhappy about the whole experience, I stopped going. But my bill was paid now the XXXX  I didn't get they still have it. I remember someone calling me I don't know if they were from collections or the office.
Consumer complaint received 2022-10-15
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. (FL)

This is my FURTHER 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance Owed : {$13000.00} XXXX  XXXXBalance Owed : {$110.00} XXXX XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021
Consumer complaint received 2020-02-25
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 been trying to fix this problem for 8 months. I have a personal loan for the amount of XXXX and Experian and XXXX XXXX cant seem to get this corrected and I've been disputing this for too long. It is a SHAME that these companies are failing to adhere to the laws and rules of this game they are playing with me. XXXX tells me they are reporting and Experian tells me they have not. Experian even had me upload my loan documents that clearly show the loan amount of XXXX but they don't have it reported and told me that wasn't sufficient enough for them. Now I really don't know what to do. I am losing credit for my loan I've been paying on for 8 months. The loan amount shows unavailable and the balance is XXXX with a XXXX monthly payment, and it says 0 % of this loan has been paid. Please help me. This has given me undue stress and I don't deserve to be treated this way. My credit is very important to me and I think they should be ashamed of how they have conducted themselves. Ive disputed this account 5 or 6 times and still no correction, it's despicable to say the least. Thank you for your time and diligence in this matter.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I have submitted multiple disputes to Experian regarding grossly incorrect reporting of a negative payment history on a XXXX XXXX account # XXXX... 

Experian continues to violate federal law, specifically the CARES ACT and FCRA, by illegally reporting inaccurate information as late payments. They are aware this information is incorrect. I have sent them ample documentation which they always ignore. 

Furthermore, I have invoked section 611 of the Fair Credit Reporting Act, and Experian has failed to respond with any specific details to support their actions. 

Experian is well aware they are falsely reporting late payment history inaccurately, and causing me financial harm ; as I am unable to refinance this loan until such time a they correct my credit report. 

This is costing my family excessive amounts of money each and every day that Experian is allowed to continue this travesty.
Consumer complaint received 2017-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

CONSUMER PROTECTION COMPLAINT : XXXX XXXX XXXX I am writing this complaint because I do not know what else to do.can someone please help! Recent events in my life such as the XXXX of my mother ( buried her XXXX XXXX ) ; the accidental XXXX of my brother ( buried him XXXX XXXX ) and now the threat of the loss of our home and/or being homeless, the mortgage company sent letters to inform me we owe {$16000.00} escrow payment and a balloon payment of {$240000.00}, which leaves me completely in shock. I share this home with my daughter, who pays 92 % of the mortgage, and I am a senior over XXXX trying to survive on my social security benefits. A year ago there was not even a hint that we would be faced this type demand. I called a few weeks ago requesting an explanation why this is happening but I have not received an explanation. Please, please, please can someone help us because I do not believe I can survive another major loss? Our mortgage payments are presently current ; however, we do not have the type of money this mortgage company is asking us to pay. More than a year ago the mortgage denied our request for a loan modification. It is extremely disturbing to try to understand why the mortgage company is being so aggressive now. We requested this mortgage modification because of the pending increases from 2 % to 4.6 % in our mortgage. My fixed income from Social Security is {$940.00} per month ; my primary caregiver is my daughter and her only source of income is her work salary of {$2900.00} net monthly income. Since that time our mortgage payments increased from {$1800.00} to {$2000.00} in XXXX increasing now to over {$2900.00}. Now with our mortgage payments increasing by {$1000.00} a month ; we will not be able to pay for our other house expenses ; utilities, gas, auto insurance, food, clothing, prescriptions, medical bills, student loan and other miscellaneous necessities. Because of the mortgage increase, there has been an extreme hardship and threatens the possible loss of our home.
Consumer complaint received 2021-12-02
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. (OH)

I am not an attorney or third party rep. I have a legal right to dispute any items on my credit report. This is my SECOND time disputing fraudulent items on my report that does not belong to me. Here are the accounts : -XXXX XXXX XXXX XXXX  # XXXX XXXX XXXXXXXX BANK XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX -XXXX XXXX BANK # XXXX XXXX XXXX # XXXX -XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-10-15
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  SS # 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 2023-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (IL)

- XX/XX/22 - Opened a XXXX XXXX XXXX Credit Card ( AMEX ) -Since then I have been trying to connect that card to my XXXX XXXX Account -I have earned over 80k XXXX  points XXXX however, AMEX and XXXX are unable to connect my accounts. If they can't connect the accounts, they are unable to give me the points. 
-In addition, I have already paid the credit card membership fee and have been unable to use any of the card benefits. 
-I have contacted AMEX and XXXX XXXX XXXX times ( in chat and phone ). They promised that they would get this issue resolved. However, they have not done anything yet.
Consumer complaint received 2023-07-27
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. (CT)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-02-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (VA)

Called in XX/XX/2018 XXXX  Hospital Billing department to get the final bill and detailed hospital to understand my part ( deductible after Medicare pays their 80 % of Medical Bills, my part is 20 % ) Was satisfied with the final part I owed and paid The Hospital XXXX  Hospital in full in XX/XX/2018.
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX {$1500.00} XXXX  XXXX XXXX {$11000.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$6700.00} STATE XXXX {$2500.00} COMNWLTH XXXX {$780.00} STATE XXXX {$9300.00} STATE XXXX {$2600.00} XXXX {$30.00} XXXX {$690.00} XXXX {$2300.00}
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have reached out to the 3 major credit bureaus, by disputing inaccurate information on my credit reports and I have received no response, in 30-to 45 days, as stated in the FCRA.
Consumer complaint received 2021-02-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc. (GA)

I have several accounts with this company MDS Medical Revenue Service DBA Medical Data Systems. I asked for validation of debt that they sent for each account i have with them and they only decided to not service one account which i am having a very hard time understanding why? 
I refuse to be belittled and talked to like i have no understanding. 
for the record the accounts that they seem to have is : XXXX XXXX XXXX Acct # XXXX Acct # XXXX Acct # XXXX Acct # XXXX Acct # XXXX Acct # XXXX XXXX XXXX ( NO VALIDATION OF DEBT ) Acct # XXXX XXXX XXXX XXXX ( NO VALIDATION of DEBT ) Acct # XXXX
Consumer complaint received 2022-07-24
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # 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 customer Reporting agency cannfurnish a account without my written instructions.
Consumer complaint received 2020-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I opened my Bank of America Checking Account in XX/XX/XXXXin XXXX as a XXXX. I was told that no fee required, even maintenance fee. However, Bank of America started charging for the maintenance fee since XX/XX/XXXX for a total of 6 times ( {$72.00} total ). I found out on XXXX XXXX and called them to ask if that was a mistake. They told me that they changed their policies, but they could not provide any evidence that they notified me of this change. One of the customer representative said they did not have the responsibility to notify me. I asked for a refund. But they only agreed to refund me {$36.00}, which is unacceptable.
Consumer complaint received 2019-05-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (GA)

On Wed XX/XX/1920, XXXX XXXX initiated a payment from his XXXX XXXX   to XXXX XXXX XXXX Chase Checking Account via XXXX. The transaction was an on-line transaction ( not mobile ). The account number for the Chase Account was missing ONE DIGIT. As soon as we realized the problem, we called XXXX and were informed ( twice ) to NOT worry, the transaction would fall to a bad account and never complete. After a few days without getting the $ back, we contacted Chase Bank and realized the bad account number that was entered on-line was actually a valid personal checking account number. 

At first Chase offered to assist us but then called informing us that there was absolutely nothing they could do. Chase would not re-route or transfer the money to the original or correct account! Chase would not reach out to the account holder in any way. They did call the bank branch in Michigan, but the branch would also NOT agree to contact the inaccurate account holder. Chase claims they were bound by privacy policy and could not let the account holder know the money was incorrectly deposited into their account. Can you imagine if Chase had made this mistake into your account!?!? 

There was no name validation or any other validation of any kind. 

We also contacted XXXX BXXXXnk multiple times. XXXX XXXX  would not even try to assist us like Chase did. 

XXXX and Chase Bank BOTH offered a manager to call us back but neither one ever followed up with the promised phone call!!!! 

Chase Bank Bad Account ( missing the '1 ' ) AN XXXX RN  XXXX Chase Bank Good Account AN XXXX RN XXXX XXXX  AN XXXX RN XXXX
Consumer complaint received 2020-02-25
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)

XXXX  ; XXXX  and Transunion are reporting incorrectly a charge-off in the amount of {$6300.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than what was owed. This account has been paid in full and should be reporting a {$0.00} balance. This false reporting of a charge-off account is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I had a credit card with 5/3rd that was taken out in XX/XX/XXXX & myself & my father, XXXX XXXX XXXX, were both on the card. My father filed BK in late XX/XX/XXXX & when I attempted to make pay on my credit card with 5/3rd they stopped allowing me to make payment, closed out the credit card & have reported the card a charge off even  though I was never late on the card & they prevented me from making payment on the card like I had for the previous 14 years. As a result of them, not allowing me to make payment & reporting it a charge off my credit went from the high 700s to the mid to low 600s causing me to pay more for every single type of credit i have.
Consumer complaint received 2021-06-15
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. (TX)

I have previously submitted information to all credit bureaus including police reports, and identity theft affidavits. Due to being a victim of identity theft, several inquiries were made on my credit report that I did not authorize and are fraudulent. 

XXXX Sunday, XX/XX/XXXX XXXX  Friday, XX/XX/XXXX XXXX-XXXX  Friday, XX/XX/XXXX XXXX Wednesday, XX/XX/XXXX XXXX Card Tuesday, XX/XX/XXXX XXXX Card Thursday, XX/XX/XXXX XXXX XXXX  Wednesday, XX/XX/XXXX XXXX XXXX  Thursday, XX/XX/XXXX XXXX XXXX Tuesday, XX/XX/XXXX XXXX XXXX XXXX-XXXX  Tuesday, XX/XX/XXXX XXXX XXXX  Sunday, XX/XX/XXXX XXXX XXXX Friday, XX/XX/XXXX XXXX XXXX Saturday, XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NC)

The NCDOT took part of our property through eminent domain sometime in XX/XX/XXXX. We had not reached a financial agreement so they deposited their initial offer of {$55000.00} into an account at the Clerk of Supreme Court in XXXX county NC. 
We have tried to get our money from the Court but have been unable to do so because our Mortgage lender ( Specialized Loan Services, " MERS '' ) will not release the funds. They claim to only want {$13000.00} of the money but we have not been able to get them to sign the paperwork needed to make this happen. They are charging me their attorney fees XX/XX/XXXX, {$140.00} of which we paid with our XXXX payment. Then they charged me again {$160.00} in XX/XX/XXXX for attorney fees. This I have not paid. 
We would like this money to pay off this lender but it seems to not be feasible. We have been paying interest on this {$55000.00} for almost 2 years and we should not have had to. 
We hired an attorney to represent us with the DOT on XX/XX/XXXX. He has been the one trying to get MERS to settle but has been unable to have any headway. This is his last e-mail to us. 


Date : XX/XX/XXXX at XXXX XXXX EST Subject : RE : DOT v : This email is in response to you recent phone calls and emails. I understand your frustration with not being able to get the deposit. This is a lender issue. Specifically a MERS issue. Neither DOT nor I created this problem. So, yes, as I have said before, you can go pay off the loan currently being serviced by MERS and that may indeed be the quickest and easiest way to get the deposit from the Clerk of Superior Court. Once you pay them off and they cancel the Deed of Trust then the entire deposit will be payable to you. If you do this please let me know and get a letter of satisfaction from them. In the meantime I am working with DOT to get the judgment signed by MERS. I will need to get your signature to the consent judgment in the near future and will let you know when to come by and sign it. 



Attorney and Certified Superior Court Mediator PO Box XXXX XXXX Telephone Facsimile
Consumer complaint received 2022-07-24
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX Account # 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 customer Reporting agency cannfurnish a account without my written instructions.
Consumer complaint received 2020-02-25
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. (WA)

Equifax ; XXXX and XXXX  are reporting incorrectly a charge-off in the amount of {$6300.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than what was owed. This account has been paid in full and should be reporting a {$0.00} balance. This false reporting of a charge-off account is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.