davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Every credit report ( all 3 Transunion, XXXX  and XXXX  ) shows balances owed on my general and store credit cards, however all of my credit cards were paid in full and have a XXXX balance. I have disputed with all 3 bureaus and provided statements showing a XXXX  balance to all 3 bureaus but they never made any correction. Additionally, there are several credit cards that show a delinquent payment, when it was not delinquent, on 3 accounts XXXX, XXXX XXXX mastercard and XXXX XXXX credit card, applied my payments to the wrong account, all 3 companies are operated under the same financial institution, and payment processing center. On the other credit cards, I made the payment on-line on time, but they have a 10-15 day processing period that created a delinquency when it was the processing time at the company themselves. I also have a XXXX collection account that was paid and I have notified all XXXX bureau 's with the payment confirmation number. The balance owed on my mortgage is higher that what I actually owe, I confirmed this with my mortgage company. Finally, there are a few collection accounts with XXXX and XXXX XXXX XXXX, although I made payment arrangements with XXXX to pay 30 % less to satisfy the account, I know nothing about XXXX XXXX. I never signed an application, agreement, never received money, credit or statements. I asked them to provide proof that this account was mine and authorized by me, and after 7 requests they still have not provided anything, no statements, copy of application, copy of agreement, no proof at all that this account i mine. I disputed all of the above items with all 3 bureaus and nothing has been investigated, corrected or removed.
Consumer complaint received 2021-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2019-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

my name is XXXX im want to file a lawsuit to chase bank for emotional distress because i just got my check from work and went to deposit it and it was loading for about 10 min like the check was still processing and its been like 15 min and still loading and im like this isnt right so i go inside talk to an employee telling them that that atm ate my check and went bqck outside and the machine printed out a receipt saying that machine isnt working so i was talking to the employee and he said that it have to wait a couple days like 10 for credit for XXXX $ and i dont need credit for XXXX i need my check or my cash back cause i have payments to make and i had several mental breakdowns cause of thay because i have debt to pay off in 4 days and i cant wait 10days for that XXXX so yeah
Consumer complaint received 2022-10-07
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I am a victim of the XXXX fraud activity, my checking account with Bank Of America have been linked to the XXXX digital wallet and data compromised. Funds were transferred to XXXX and account blocked to enable withdraw or reverse. 
I have opened the dispute with XXXX, but there is no help or clear respond what happening. I have opened the dispute with Bank of America, and freeze the account for investigation. However, Bank is not willing to protect my right- but saying that it is my responsibility with XXXX. I have called to the Bank to report for the suspicious activity, have called to XXXX to stop the transaction. There is no cooperation from both XXXX and Bank, but my funds are stolen wallet to wallet. As of now, I don't have access to my funds in XXXX and I never was able to reverse the transaction on Bank side. 
ACH transactions : XX/XX/XXXX = 5000USD XX/XX/XXXX = XXXX XX/XX/XXXX = 1000USD XX/XX/XXXX = 1000USD XX/XX/XXXX = 16000USD XX/XX/XXXX = 15000USD XX/XX/XXXX = XXXX XX/XX/XXXX = 15000USD
Consumer complaint received 2021-06-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-03-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC (TX)

I am unaware of this debt I did not have the opportunity to dispute this debt I did not receive proper notification if in fact you believe i received proper notification please send me the certified mail with the receipt with my signature on it stating that I recieved it.
Consumer complaint received 2022-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (KY)

In XXXX / XXXX of XXXX I noticed a collections account added to my CR from Convergent. I contacted them regarding the invalid information posted and asked for verification that I owe them any money. The account they claim to have been sent was from XXXX. 

I reached out to XXXX and was told that I do NOT have any account in collections, but I did have a past due balance. I paid the amount in question to them. 

On XX/XX/XXXX, I received a response from Convergent with my XXXX bills from XXXX through XXXX. I searched through all of the documentation, and I saw nothing stating that I owe any money to Collections. It did show my payment for the past due balance on paid XX/XX/XXXX. 

I looked at the XXXX bill to see if there are any mentions of Convergent in the " Ways to pay your bill : '' section and saw nothing. 

On XX/XX/XXXX I sent a letter to Convergent via certified mail. I see that it was delivered XX/XX/XXXX, at XXXXXXXX XXXX. and signed for by XXXX XXXX. 

As of my submitting this complaint I have not received any response from Convergent and this invalid derogatory information is still posted on my Credit Reports.
Consumer complaint received 2022-02-22
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: Experian Information Solutions Inc. (FL)

Im filing this complaint because Experian is damaging my character and Ive tried numerous of times to get the matters escalated and resolved with them directly. Ive been a victim of identity theft an account was opened in my name by XXXX XXXX XXXX. The account has been removed from a XXXX on XX/XX/XXXX of XXXX and he has been removed from XXXX on XX/XX/XXXX. Admission is deletion especially if the other credit bureaus have remove this account from my credit report. I have provided all of the documentation to them such as a identity theft report, copy of my Id and police report. Experian has failed numerous of times in helping me get this matter remove. Under law 15 USC 1681 in 15 CSC 6992G, I have rights as a consumer where it protect me. Hear me out on XX/XX/XXXX of XXXX I open up a dispute with experience on the behalf of this account again, experience has felt doing their proper investigation and updated me with the account has been verified that it belongs to me in less than seven days. There was no proper documentation that was attached to this dispute as by supervisor XXXX on my call today. Immediately after open into dispute via phone with the representative I mailed that documentation to them the next day. It was confirmed over the weekend that they receive my documentations and they uploaded to the portal they open the case immediately closed it again which states on my credit report on XX/XX/XXXX to the account dispute has been modified by an Experian dispute specialist. Im asking for this matter to be escalated an account to be removed from my character report as if demanding my buying power as well as my character. 
Im very frustrated and seeking help asap. This is the only account negatively impacting my score.
Consumer complaint received 2019-05-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

I obtained a {$5000.00} loan in XXXX in anticipation of having a tax bill and other expenses coming up. The girl that I signed the documents with only had me sign the signature pages and had me skip all of the other pages with the details of the loan to try to get me out of the door as soon as possible. They signed me up for online access to my account, but they did not give me any physical paperwork with an account number, loan amounts, interest rate, etc. I kept getting emails about statements being available, but didn't even have my login information that they set up on my behalf. I finally get logged in today and see that my {$5000.00} loan is listed with a {$5900.00} starting balance. I repeatedly told the girl that I did not want any insurance or any add ons on my loan. Apparently she didn't listen, the statements don't even list an interest rate, and my monthly payment is barely touching the principal on an amount that is not even correct! OneMain Financial XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX
Consumer complaint received 2018-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

Equifax 's dispute system is broken. I've repeatedly attempted to submit disputes and I continue to get disrupted by bizarre errors, timeouts, and malicious user interface design. It appears to me that Equifax is deliberately making the dispute process difficult if not impossible.
Consumer complaint received 2021-04-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (IA)

On XX/XX/XXXX I received correspondence in the mail from Caine & Weiner that violates several of my federal rights. On XX/XX/XXXX I sent a notarized affidavit with exhibits to highlight the serious violation of federal law that this company committed. I intend to pursue this matter to the fullest extent of the law being that this company violated my rights and federal law in the process. Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Caine & Weiner is in violation of 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ) and 15 USC 1692d ( 1 )
Consumer complaint received 2022-02-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

XXXX appears on credit report as debit owed. Im not aware of this account and reported as a fraudulent account. I contacted the company who could not verify my SS # stating they don't know it. Contacted Eqifax who clams it was verified. How can Equifax claim I was verified when the company don't know my SS #. They only have a name and address and DOB that was breached When I called Equifax they took me through a process to verify me and said I was off by a balance and refuse to give me information. Equifax then informed me that mt FTC report was invalid because I did'nt have the exact dates of the inquiries. I was advised mt FTC report needed to be updated and it would be removed within 4 days, Nevertheless they still continue to report this false information on my credit report. This information was told to me by Equifax XXXX XXXX id number XXXX
Consumer complaint received 2022-12-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (LA)

I noticed on my XXXX XXXX and XXXX XXXX  credit monitoring that an account I did not open or know about was on it. It is {$1000.00} and I want this off of my account. It says IC System. This was opened fraudulently and needs to be taken off my credit report.
Consumer complaint received 2018-06-29
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: DISCOVER BANK (TX)

I reviewed my Credit Report by XXXX and noticed a 30 day late payment on my Discover Card account from XX/XX/XXXX - XX/XX/XXXX. In XX/XX/XXXX I entered into a Credit Counseling program which was approved by Discover Card. All payments since entering into the program have been paid as agreed. I submitted a Dispute with XXXX on XX/XX/XXXX and it was completed on XX/XX/XXXX. While there was an update on my account, the 5 months of delinquency were not removed from the account. I contacted Discover on XX/XX/XXXX and was told that the account had a missed payment in the transition period XX/XX/XXXX and I did not become current until XX/XX/XXXX. While I can understand a one month penalty for XX/XX/XXXX missed payment, I believe Discover Card should clear my record to accurately reflect that I have paid on time as required for XX/XX/XXXX - XX/XX/XXXX since entering the program. No other credit card company reported any delinquency on any of my accounts.
Consumer complaint received 2022-02-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2021-12-22
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: AMERICAN HONDA FINANCE CORP (NJ)

These accounts don't belong to me. Please remove them from XXXX and XXXX. Please see below the list of accounts that are reporting derogatory on XXXX and XXXX. 

1. Identity Theft AM HONDA FIN Account Number : XXXX This is not mine. 

2. Identity Theft AMERICAN HONDA FINANCE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/2021 This is not mine. 

4. Identity Theft XXXX XXXXI Date of inquiry : XX/XX/2021 This is not mine. 

5. Identity Theft XXXX XXXXXXXX XXXX XXXX of inquiry : XX/XX/2021 This is not mine. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/2021 This is not mine. 

7. Identity Theft XXXXXXXX XXXX  Date of inquiry : XX/XX/2021 This is not mine.
Consumer complaint received 2022-02-22
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

I spoke with XXXX XXXX XXXX ) XXXX XXXX ID XXXX at USAA to start a VA XXXX XXXX  for a property in Maine. We described the situation and he said it should not be a problem. The situation being that my father in law had passed away, my husband would stay in Maryland and work while my children and myself move up to Maine to take care of my mother in law. We made an offer on a house, it was accepted and the loan went into underwriting. At which time I received a call from XXXX XXXX on XX/XX/XXXX explaining to me that the USAA underwriter was denying my loan because my husband would live and work out of state. We clarified with XXXX XXXX XXXX from the VA XXXX XXXX  Department that we could live apart, my husband can work in Maryland and still use his income to qualify for the loan. We proceeded with another lender we had been pre-approved with, XXXX XXXX, who stated they did not have the same stipulation as USAA for a VA XXXX. On XX/XX/2022 XXXX XXXX XXXX ID XXXX at USAA told the seller we were not moving forward. I am not 100 % how the employee gets to tell a seller we are not moving forward with the loan, this is a privacy act issue, or even the purchase of the house which is not the case at all. Today after opening a complaint with USAA they sent an email XXXX to inform us that they were declining the loan due to debt to income ratio which comes across as retaliatory in nature. I called to clarify with XXXX XXXX XXXX # XXXX in USAA 's XXXX Department and confirmed they did not actually include my husband 's income in our loan. It seems that USAA has a private policy that will not let them use his income as part of our income for the purchase of the loan. This in my opinion should have been told to us at the beginning during our preapproval process.
Consumer complaint received 2021-12-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX
Consumer complaint received 2021-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

This is the second time I have entered a complaint with the CFPB about this issue. 

Equifax shows my maiden name instead of my married name on their three-bureau credit report. ( The other two credit bureaus show my correct name. ) Equifax refuses to correct their mistake. 

I have contacted Equifax by mail with documentation, on their website submitting documentation, and by phone talking to numerous persons. They " investigated '' my dispute then closed it, still refusing to correct their error. I contacted the CFPB in the hope you would assist in making them correct their error, but it appears my only option is to file a new complaint on this same issue. ( Is this what your agency is for? A place to complain, but it takes no real action to assist? ) Anyway, today ( XXXX ) I attempted to refile the dispute on the Equifax website. The site would not upload ANY of my documents that show proof of identity. 

Is the CFPB going to help me this time?
Consumer complaint received 2018-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (GA)

XXXX  has been non-compliant with removing the unverified account DISCOVER BANK which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that DISCOVER BANK was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CT)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-02-13
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: Experian Information Solutions Inc. (NJ)

I thoroughly reviewed again my credit report and I can still see the unverified and erroneous items that need reporting and correction through your company. The List of items below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.