davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-07
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. (NY)

I had once reported this issue involving Credit Reports for collection of delinquent child support, judgments, fines and liens may no longer be permitted to all credit bureaus. Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ) .These cases note that certain definitions were added to the FCRA as part of the 2003 amendments ( FACT Act ). 


Credit bureaus ' response but never about what they should follow per the FCRA : XXXX. You may contact the company that reports the information to us and dispute it directly with them. If you would like written proof about your accounts l ( such as the original agreement ), please contact your creditors directly. 
XXXX. You may contact the Consumer Financial Protection Bureau or your State Attorney General 's office about your issue or complaint against XXXX or l the company reporting the information.
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

XXXX XXXX XXXX and its Credit Bureau Disputes Dept. closed both of the credit card accounts listed below and sold them to Portfolio Recovery Associates LLC. 

XXXX XXXX credit card closed by XXXX  on XX/XX/XXXX. 

XXXX XXXX credit card closed by XXXX  on XX/XX/XXXX. 

Portfolio has removed both accounts from the credit report under the " Collections " section but XXXX still shows this account as delinquent under the " closed account " section of my credit report. 

I called XXXX regarding the concern and I was told that they were unable to provide any information on these closed credit card accounts as it pertains to them being removed from my credit report, although they removed the XXXX XXXX XXXX account which was in dispute. 

I advised that all credit card accounts listed needs to be removed as they're still looking like outstanding items on my credit report.
Consumer complaint received 2019-08-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: ROSS MORTGAGE CORPORATION (MI)

I have a VA loan that was originated by Ross Mortgage Corporation in XX/XX/2018 and sold to XXXX. 

I requested a VA funding fee refund XX/XX/XXXX, was granted the request and the refund was processed by the VA. 

The VA confirmed that they sent a funding fee refund check to the originator of my loan, Ross Mortgage to be forwarded to the services of my loan and applied to my mortgage as a principal reduction. 

Ross Mortgage has not forwarded that {$6600.00} check to XXXX to be applied to my mortgage despite having it for nearly two months.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, 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. (AZ)

The list of information and inquiry was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information and inquiry listed below : Employers : XXXX XXXX XXXX XXXX LA XXXX INQUIRY : XXXX XXXX XX/XX/2020
Consumer complaint received 2019-08-02
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: Experian Information Solutions Inc. (CA)

EXPERIAN provides me a free credit report online every month. Apparently this was for the purpose of complying with the Fair Credit Reporting Act. Ever since XX/XX/2019, they had stopped providing me a credit report free of charge every month. I am entitled to my credit reports. Rather than repair malfunctioning computers which prevents me from obtaining an accurate report Experian has suggested that I write a letter to fix the problem despite concerns in FCRA regarding efficiency. See e.g., 15 U.S.C. 1681 ( a ) ( 1 ) " Inaccurate credit reports directly impair the efficiency of the banking system. ''
Consumer complaint received 2018-11-02
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: Experian Information Solutions Inc. (LA)

They have 2 auto loans on my credit report that I did not open, and I did not authorize. I have not had auto loans with them. I did their fraud packet, and jumped through all the hoops they told me to jump through. Now they just completely ignore me. This has to be addressed, and this has to be taken care of.
Consumer complaint received 2022-03-22
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. (OH)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2018-12-26
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: LEXISNEXIS (MN)

I have contacted Lexis Nexis several times in reference to a reported bankruptcy. I filed a complaint with CFPB and after Lexis Nexis replied it was closed. THe reply from Lexis Nexis was in the WRONG PERSONS NAME! How can something be verified if Lexis Nexis doesn't even have my name correct?! This bankruptcy needs to be removed from my report! The source of verification is XXXX which is a inaccurate and undependable source! I am intitled to a name, address and phone number of the PERSON verifiying. Bankrupty courts do not verify bankruptcies, so the ONLY acceptable outcome is for this inaccurate, unverified,  bankruptcy to be removed. This reporting is in violation of my Fair Credit Reporting Act rights!
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a letter on XXXX XXXX, to remove the following items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after I sent the last letter. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$210.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$390.00} XXXX XXXX  I XXXX Balance : {$300.00} US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$390.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-07-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

I had a checking account with XXXX that was transferred to Citizens bank. I wanted to close this account out and was told to bring the balance to XXXX  which I did. Citizens bank closed the account but they also charge a monthly Maintenace fee for low balance. I didn't realize they charge this fee until it showed up on my credit report as a {$5.00} past due amount. This is extremely frustrating as it's impacting my credit score significantly. I would like Citizens to reverse the {$5.00} XXXX  and remove the negative credit reporting as I was following their instruction.
Consumer complaint received 2022-07-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX, I found a listing on XXXX for a place to rent. I got in contact with the lister and began negotiating a lease, which I signed and sent back to the lister. The next day, I made a transfer on XXXX to XXXX for {$1000.00} as a security deposit. Immediately after, he tried to get me to send more money, and refused to send me the key. I then realized that I had fallen for a fraud. I immediately called Chase Bank to get them to freeze or refund the payment, to which they told me that it would be impossible to reverse even though it showed as pending transfer in my account and that it would take XXXX weeks to audit the account and ask the partner bank for the money back. XXXX weeks later, and they were unable to retrieve my money from the partner bank, unable to share the fraud accounts information due to what they say are privacy concerns, and when I reached out to XXXX directly, they didnt even take my call. The XXXX transaction number is XXXX. Obviously the owner of the account can be traced knowing these details. I would like Chase Bank to refund the money which was due to a fraud and scam and the person, whose identity can be determined from these details, be held responsible.
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Newport Intermediate Inc. (TN)

I purchased a promotional prepaid debit card through my company 's employee rewards program in XXXX, XXXX. I did not activate the card until XX/XX/XXXX, and at the same time activated several other cards and transferred the balances to XXXX card. I attempted to use the card with the balance on XX/XX/XXXX, which I had used previously but it still had a remaining balance. The card had been deactivated. I saw that it had an expiration date of XX/XX/XXXX on the card, so I called North Lane Technologies , Inc. ( the administrator of the card ) and requested that they reactivate the card. They would not reactivate the card. I asked what happens to the funds that I paid for and loaded onto the card, and they said they were forfeited because the card expired. 

I explained to them The Credit Card Accountability Responsibility and Disclosure Act ( CARD Act ) of XXXX, which requires that Bank gift cards, which carry the logo of a payment card network ( e.g., XXXX, XXXX ), are also subject to Credit CARD Act protections and can be used wherever the brand is accepted. Under the law, a gift card can not expire until at least XXXX years from the date it was activated. XXXX XXXX has escalated the case. 

I have also filed a complaint with the Federal Trade Commission ( Ref : XXXX ), and will be contacting my State Attorney General. 

I would like my card to be reactivated, reissued or my funds returned to me.
Consumer complaint received 2019-08-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AZ)

Consolidated loans and while all loans show paid off on the XXXX  website there was a balance still standing on the Navient side. 
They had me re add the loan on their end and not on student loans. 
They argue that the XXXX  doesn't usually have the accurate loan amount and therefore it created that discrepancy. Also I didn't apply for any pay as you earn program due to Navient telling me I didn't qualify for it, but because of the issue with the amount of the loan remaining they added me to that repayment program and lower the payment down. So the main issue is the way is was handler and how little to no information is about whats int he students loans web site from what Navient has. Now I'm dealing with this.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (MI)

I SENT A LETTER TO THE CREDITOR IN THE FILE ATTACHED. I HAVE NOT RECEIVED ANY WRITTEN RESPONSE. INCORRECT REPORTING HAS MADE ME UNABLE TO COMPETE IN THE FINANCIAL WORLD. I HAVE SUFFERED XXXX  XXXX  AND FRUSTRATION. I HAVE NOT BEEN ABLE TO AQUIRE EQUIPMENT AND SUPPLIES THAT I NEED FOR MY PROFESSION. I BELIEVE I AM DUE {$5000.00} PER INCIDENT. REFERENCE FAIR CREDIT REPORTING ACT 15 USC 1861 PAGE 10.
Consumer complaint received 2022-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AR)

On XX/XX/2022, one of my checking accounts was hacked and a wire transfer was conducted fraudulently in the amount of {$7200.00}. I immediately ( within a couple of minutes ) reported this to USAA. I was assured that my money would be returned to my account within 7 full days ( or 3-5 business days ). Well, it's been XXXX  days and funds have not been deposited back into my account. I have called and spoken to numerous representatives and nobody is able to give me any answers as to why this has not been re-deposited yet. I need that money back in my account ASAP.
Consumer complaint received 2022-07-07
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. (AZ)

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appear on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, Credit Reporting Agencies are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX : {$520.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance : {$3000.00}
Consumer complaint received 2022-07-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ideal Collection Services, Inc. (FL)

My name is XXXX XXXX, a federally protected consumer and Im making this follow up complaint against IDEAL COLLECTION SERVI for committing identity theft. On XX/XX/27 I sent IDEAL COLLECTION SERVI a cease and desist through the cfpb portal. IDEAL COLLECTION SERVI Should not be communicating with me. 

The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium pursuant to federal law 15 usc 1692a 2. 

My credit report is also a medium. 

Im aware I stated in my cease and desist that you have XXXX business days to remove this from credit report. 

I suggest If you dont want me to pursuit litigation for monetary damages you will cease all communication immediately. 

Shall you choose not to my legal counsel with be submitting summoning you to small claims court to defend yourself!
Consumer complaint received 2022-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: MUFG AMERICAS HOLDINGS CORPORATION (RI)

I opened an account on XX/XX/2022 with Union Bank the product was the XXXX XXXX and it have a XXXX days promotional balance transfer with XXXX fees, today XX/XX/2022 I call them to make a balance transfer and they told me I will be charge interest because today is my XXXX day. 

I want to add that since I made a dispute regarding a payment I made for the amount of XXXX on XXXX XXXX ( that haven't been posted to my account as XXXX XXXX ) they have miss lead me with the information about my account.
Consumer complaint received 2022-12-03
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. (MI)

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 2022-03-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EOS Holdings, Inc. (MD)

It was brought to my attention that EOS CCA claimed an alleged debt under my social security number. I disputed the Account asking for proper verification documents. EOS CCA failed to provide me with original documents with my signature. And continue to report these inaccurate reporting 's after failing to verify identity of said accounts. Violating both federal and state laws.
Consumer complaint received 2017-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

On XX/XX/XXXX I closed on a home in XXXX XXXX. My mortgage was purchased by Fifth Third Bank in XX/XX/XXXX. Included in the closing costs was escrowed homeowners insurance of {$1600.00} to be paid to XXXX XXXX XXXX.
<P/>
I received and email from XXXX on XX/XX/XXXX stating the premium had not been paid. When I called them, they assured me my coverage was valid for at least 30 days while awaiting escrow payment.
I received another email from XXXX on XX/XX/XXXX stating the insurance premium had not been paid. I contacted Fifth Third Bank and was assured the payment would be mailed overnight to XXXX the next day.
I received yet another email from XXXX on XX/XX/XXXX stating my coverage was due to be terminated if payment was not received by XX/XX/XXXX. <P/> On XX/XX/XXXX I began making calls to both XXXX XXXX XXXX and Fifth Third Bank. Each time I called XXXX, the representative contacted Fifth Third and received assurance the payment would be overnighted the next day.
After each call to XXXX, I contacted Fifth Third on my own.
<P/>
XX/XX/XXXX - XXXX in Customer Service - checked the system and saw the request for escrow payment, instructed me to call XXXX the following Wednesday ( XX/XX/XXXX ) to confirm payment was received.
XX/XX/XXXX - Checked my account at XXXX, no payment credited. Called Fifth Third Insurance Dept and spoke with XXXX. Both assured me the payment would be escalated and to call the following day to check. XX/XX/XXXX - Called Fifth Third Insurance Dept and spoke with XXXX. Escrow had not been sent yet. Spoke with XXXX. She informed me the escrow should go out the night of XX/XX/XXXX. Call to check the following day to verify. XX/XX/XXXX - Called Fifth Third Insurance Dept and spoke with XXXX. The payment was NOT sent on XX/XX/XXXX, and is scheduled to go out XX/XX/XXXX overnight. I asked to speak with a supervisor and was first told the supervisor was helping another customer, so I agreed to hold. After 10 minutes, I was told the supervisor was called into a meeting. I insisted I needed to speak with someone who could make a decision about my escrow and was put on hold again. I was eventually transferred to XXXX, a Team Lead, who explained the payment was scheduled to be overnighted on XX/XX/XXXX  and there was nothing else he could do to arrange for an immediate payment.
<P/>
At this point, my homeowners insurance is scheduled to be terminated tomorrow, XX/XX/XXXX. I am absolutely enraged about this situation and do n't know what to do other than pay the premium out of my own pocket and wait ( hope ) for a refund.
<P/>
I will attempt to contact Fifth Third and opt out of escrow for homeowners insurance. However, I have made 3 payments which include an escrowed amount and may have difficulty having this refunded to me. I have already spoken with XXXX XXXX XXXX about paying them directly beginning next year.
<P/> XXXX XXXX XXXX has been nothing but helpful.
Consumer complaint received 2022-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (OH)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting