davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Back in XX/XX/2017, I disputed information on my XXXX XXXX account. I guess since the company didn't respond Transunion deleted my account. Fast forward to this year the account with XXXX has bee paid and doesn't report to my Transunion report. 

So almost 5 years of perfect payment is completely gone. I've called Transunion and they said to tell the institution to reinsert the account. 

XXXX XXXX has tried to reinsert the account and has been contacting Transunion and they refuse to add the account. 

According to FCRA, They're supposed to report accurate information. The creditor has said they have tried and have failed because Transunion is refusing. 

This is now causing me issues because I can not take out along for XXXX, leaving me miserable on a daily basis. 

If Transunion continues to refuse to add account legal action may be taken. Thanks.
Consumer complaint received 2017-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (DC)

On XX/XX/XXXX, XXXX sent me a letter re : its obligation to send me a refund check totaling {$94.00}. This refund was owed me since I was a customer enrolled in the XXXX XXXX program offered by Citi between XX/XX/XXXX and XX/XX/XXXX. 
When I called at least two of the telephone numbers given to me by XXXX, after I never received this refund, I got a complete runaround for weeks. This refund is owed to me as a result of an agreement between Citibank N.A. and " certain of its subsidiaries, '' and the Consumer Financial Protection Bureau. 

XXXX staff by telephone have acknowledged several times by telephone : XX/XX/XXXX by XXXX, in Citi call center in FL. that she sees the account was closed ( by me ). 
She acknowledged that of course, a check with the refund of {$94.00} was owed to me, according to the agreement with the CFPB. She said to call XXXX to request that a check for the {$94.00} refund be cut and mailed to my home address on file. 

When I called, XXXX XXXX XXXX. XXXX XXXX, at XXXX 's HQ in XXXX XXXX, requested that I fax this letter to her, with XXXX ID # XXXX. XXXX XXXX and others at XXXX HQ are refusing to send check. Please press mailing of check per CFPB 's agreement with Citi, and Citi 's acknowledgement that this check should come to me asap. Thank you.
Consumer complaint received 2022-08-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CO)

There never was any proper chain of title which I now have proof of and in XX/XX/XXXX I received an IRS form XXXX for XXXX from the " servicer '' with an open loan number and zero owed on the principal balance of the home yet I was unlawfully foreclosed on XX/XX/XXXX?? They never applied the insurance from my husbands death until XXXX after a letter was sent to the Colorado Insurance Commissioner?? My husband passed XX/XX/XXXX and they were fully aware of the insurance which I also have proof of. I have so many documents of the corruption and theft of my home! I fully expect justice to be done and my home returned to me and punitive damages to be paid! 

I have a series of events and all documentation of any and all allegations.
Consumer complaint received 2023-01-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NC)

Select Portfolio Servicing, Inc. is my lender. I knew I was behind on my mortgage and I have reached out to their loss mitigation department several times. Each time I called I get sent to a general voicemail and no one has returned my calls. I did receive XXXX call back on XX/XX/XXXX, @ XXXX from XXXX I returned the call, and I had to leave a voice mail, and no calls since. I was notified by my XXXX XXXX that the house was in foreclosure. I would to keep my home but at this time to not want to refinance. Seems like SPS would be interested in keeping people in their homes. XXXX Statement just arrived with an outstanding balance of {$19000.00}. I have also been working with XXXX. I received an email back in XXXX stating they were working with SPS and not sure what happened with that. My XXXX statement shows my account has been referred to an attorney for legal action. Also, back in XXXX & XXXX, SPS raised my house payment XXXX and some dollars to {$1900.00} and so dollars when they knew I have had problems paying the {$1200.00}. I would also like to know where the extra money went that I was paying.
Consumer complaint received 2022-04-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (CO)

My auto-loan payments are not being processed by Truist, the new holder of my auto loan. When I make a payment, the payment is immediately returned as " non-sufficient funds '' despite those funds being available. as of XXXX, after a paycheck deposited as cash, a payment was made to this loan provider and was rejected the same day. this has resulted in repeated late charges and the danger of my vehicle being repossessed. this is unacceptable.
Consumer complaint received 2024-03-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WA)

This issue remains UN-resolved. MOHELA has INCORRECT information on my student loans that is clearly documented in my XXXX records. They have more than 8 payments in my " ineligible '' payment history listed as deferment/forbearance which is inaccurate. I have printed documents to support my claim of income based repayment program back in XXXX. Mohela 's FALSE/incorrect information has resulted in DELAY of my student loan forgiveness and i should not have been paying {$2500.00} since the repayment started. PLEASE HELP! Please help!
Consumer complaint received 2022-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDEN 1 CREDIT UNION, THE (CA)

Golden 1 credit union told me to go to the bank with the person name on the check to release funds I went there handed them the letter over yall send me and they said they could not find the account I will like them to disburse my funds or I would have to take legal actions Attached is the letter they send to me which was a lie they need to stop telling fabricated stores and refund my funds thats left in my bank account that is clearly not theres I can be reached at XXXX
Consumer complaint received 2022-08-29
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: Avant Holding Company, Inc. (FL)

n accordance with the Fair Credit Reporting Act XXXX Account # XXXX, # XXXX # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : A creditor may not treat on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-29
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. (NY)

I am a human being. I am a living human being. I have rights under 15 USC 1681. 

XXXX Transunion and XXXX is govern by 15 USC 1681. And the fair credit reporting act. They have violated my rights numerous of times. I demand the following accounts be removed from my credit reports XXXX  XXXX XXXX  acct # XXXX XXXX  XXXX bank acct # XXXX XXXX acct # XXXX THE FOLLOWING ADDRESSES NEED TO BE REMOVED ALSO XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX THE FOLLOWING PHONE NUMBERS NEED TO BE DELETED OF MY REPORTS TOO XXXX XXXX The following INQUIRIES need to be deleted off my credit reports too XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A . States I have the right to privacy 15 USC 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-04-14
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: Experian Information Solutions Inc. (NJ)

There is a bankruptcy reporting that was discharged in 2019.

I have spoke with the courts and they told me they do not report to the credit agencies.

I have contacted the credit agencies and requested a deletion showing a letter the court gave me. I have attached the same copy.

I have been working very hard on my credit over the years and I am trying to refinance my car and one day buy a home. Please help me in removing this negative judgement from my report.

Thank you
Consumer complaint received 2022-08-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

The illegal activity from XXXX such as them lying about their accreditation, lying about their high job placement rates, and lying about their accreditation has put me in a whole world of debt. Due to XXXX 's fraudulent practices I was deceived into taking out private loans from Sallie Mae in the attempt to pay for my education. I attended XXXX XXXX XXXX in XXXX, VA from XX/XX/XXXX to XX/XX/XXXX within their XXXX XXXX XXXX XXXX program. Prior to me enrolling into XXXX XXXX, I had met with a recruiter who guaranteed me that they would place me onto a job ( because they had exceptional job placing rates ) and that their accreditation would carry over into other schools if I had decided to transfer my credits. These details alone attracted me into enrolling into this for-profit school. After I was enrolled and had attended classes for a couple of days, I remember being called down to the office from class as my tuition needed to be secured. The officer, I do not remember his name but he was a young XXXX  male with glasses who had just started working there a few months back. He explained to me that my ONLY option were to utilize private loans for my education. They did not offer work aid, any federal loans, or any other financial programs that would assist with paying for tuition. They told me my options were limited! At that time I was XXXX XXXX XXXX, was pressured to take on private loans and was literally backed into a corner. I took out private loans for the remainder of my schooling. Fast forward to the time of graduation, they set me up with 1 job interview and that was it! I did not get that job and after I graduated they literally washed their hands. I did not have any other interviews and it seemed like after I was no longer a student, they did nothing in the attempt to place me anywhere else. This completely contradicted how they advertised their high job placement rates. About 6 months after graduation I still did not have a job in my field as XXXX provided no job placement or interviews. It was time to pay my loans and because I was not working my only option was to consolidate, to somewhat attempt to lower my payment. I did consolidate but due to my high interests the payment was still high. Later down the road I had to enroll into a University and none of my credits from XXXX transferred over. So now, that two years that I spent at XXXX has obtained me nothing but astronomically high debt and zero accreditation from my credits. With all their schools closing down, jobs will not look at their education as something to be obtained. The illegal activity from XXXX such as them lying about their accreditation, lying about their high job placement rates, and lying about their accreditation has put me in a whole world of debt.
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

BOA was notified that my card was taken by someone I know and it was used fraudulently. A fraud dispute was created. They said because the card was physically used and they used the pin or signed for it, it stays on my account. I have given them a police report and the name of the person who committed the fraud, and they still refuse to resolve it. This was fraud and I have proof. The person admitted it in writing and admitted they did it. And BOA will not even take the info, they keep closing it without talking to me.
Consumer complaint received 2022-02-24
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: WELLS FARGO & COMPANY (PA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
Consumer complaint received 2022-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

There is a bankruptcy reporting that was discharged in 2019. 
I have spoke with the courts and they told me they do not report to the credit agencies. 
I have contacted the credit agencies and requested a deletion showing a letter the court gave me. I have attached the same copy. 

I have been working very hard on my credit over the years and I am trying to refinance my car and one day buy a home. Please help me in removing this negative judgement from my report. 

Thank you
Consumer complaint received 2024-04-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NJ)

My wife and I have been a customer of American Express for over 50 years. We have had a AE Blue Card since XXXX. Last week XXXX XXXX XXXX XXXXXXXX, I checked online with AE for some information on our card, and I couldn't sign in and was informed to call. When I called, I was told that my card was cancelled last year ( XXXX ) for inactivity. They said I was notified by email several times. I asked about my accumulated points and was informed that we had no points ( close to XXXX were there ). I asked when were the emails sent- I checked my history and found none and they said check spam. I have no spam history as it is always deleted automatically after so many days. I aske to be reinstated and told that it was not possible. I wanted to speak to a supervisor and received a call the XXXX of XXXX. Same story, you were notified and they could do nothing. I asked if they sent a physical mailing ( which I knew we never got one ) and the answer was I think we do. Without notification, a customer of 35 years is just thrown away and having numerous points just thrown out. This is not right and the total points is money promised and lost. Please inform me what can be done to assist.
Consumer complaint received 2022-08-29
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: 1st Franklin Financial Corporation (GA)

On XX/XX/2023, 1st franklin financial corporation Wrote me a letter Alleging I Owe them and they notified me that they were going to take Legal Action which is funny because I didn't give them permission to Speak to me with the Foul language they really ruined my whole day. They are directly violating 15 USC 1692d ( 2 ) ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. I don't like what they said to me. they keep blowing up my phone at unreasonable hours under 15 USC 1692d ( 5 ) ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. provide proper documentation that they are legally owed under penalty of perjury
Consumer complaint received 2022-02-24
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you thatthere is no third party involved in the process. I sent letters to TransUnion Credit Bureau thedate of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MYCREDIT REPORT : XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RFNA, LP (SC)

It was said that in the event of not paying the loan, the auto that was used to secure the loan ( collateral ) would satisfy the debt ( personal loan ) .The vehicle was voluntarily surrendered to Republic Finance LLC . There is no knowledge of the vehicle being sold or auctioned off. No correspondence has been received nor did they deduct anything from the balance owed. All that I am seeing on my consumer report is interest being added to this account every month. Inaccurate information has been reported on this account since being in collection/ charged off. Disputes have been made with updates only. Republic Finance LLC should be held accountable for reporting false, inaccurate, information on my consumer file. This account has been inaccurate since XXXX. The following laws have been violated : 1681s-2 ( a ) ( 1 ) ( a ), 1681s- ( 2 ( b ) ( i ) 1692d ( 1 ), 1692e ( 2 ) ( a ), 1681b ( a ) ( 2 ). Amount owed {$6400.00}
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

I landed in XXXX on XX/XX/2022 at the XXXX airport XXXX XXXX. I rented a car from XXXX for USD XXXX at around XXXX local time. I signed the rental car agreement and paid with my chase sapphire credit card ending in XXXX. I lost my card at the rental car station and that was the last time I remember having the card on me personally. 

A few days later I noticed a charge from XXXX XXXX. I tried calling XXXX XXXX merchant and I could not get in touch with the merchant. I checked my chase app and I noticed several credit card charges at fashion and clothing stores at a mall that was more than XXXX miles away from my temporary place of residence ( XXXX XXXX XXXX XXXX ). I called Chase and they mailed me a new card ending in XXXX ( which arrived almost 7 days later ) and reversed the charges. The card was never in my possession. during this time. 

I tried making a police report but was unable to do so as I did not have an XXXX XXXX id ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and I did not have a method of paying for the police report ( My replacement card was yet to come ). I was not able to communicate with the merchants where the fraud occurred as I was in a XXXX XXXX. 

I returned to XXXX on XX/XX/2022. A week later I noticed a fraud charge from the rental car company XXXXXXXX XXXX on my " replacement '' card XXXX. This was after I had returned the car and was given the closed rental car agreement, proving that I did not have any outstanding charges from them. I immediately called Chase and they canceled my card, temporarily reversed the transaction, and put a block on the merchant. They mailed me a new replacement card ending in XXXX. 

I received a call from Chase fraud department on XX/XX/2022 and I asked them if I would be liable for the fraud charges. Chase could not confirm that I would not be liable for these fraud charges.
Consumer complaint received 2023-06-22
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. (IL)

THIS ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.