davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-07
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. (MS)

Sent in disputes with proof of inaccuracies for several months with no change. Sent last disputes in XX/XX/2020. No changes. Credit report is showing accounts with wrong account numbers, wrong address, incomplete and inaccurate payment history, dates of accounts saying closed but still reporting negative over 2 years after the close date. Incomplete payment history dates. Accounts only 60 days late and is charged off. Payment recieved is higher than the high balance.
Consumer complaint received 2022-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-03-30
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. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-05-20
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: AMERICAN EXPRESS COMPANY (MA)

I've sent dispute letters to American Express on 3 different occasions via certified mail through the United States Postal Service. All have been delivered and signed for on XX/XX/2021, XX/XX/2021 and XX/XX/2021 with receipts from the USPS certified mail. The reason is for a dispute that they are reporting inaccurate information on my Credit Reports and failing to state or mark that my dispute inquiries are being disputed on all my reports. By law, they are supposed to mark the report as being disputed and they have failed to do so with any of the certified communications that I have sent them that were signed for in the dates listed above. By not following the law and marking my report as disputed or sending verification, it needs to be removed from my Credit Reports. Thank You, I've tried to resolve this with the company and ask for validations, but they have failed to do so.
Consumer complaint received 2021-03-30
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. (MD)

I have been trying to obtain business funding to start and better my business however, this has not been possible because ever since I filed my bankruptcy, certain accounts were not updated properly on my credit report! So on XX/XX/XXXX I decided to try to dispute the false information with the bureaus. By XXXX they hadn't responded or corresponded with me at all so I sent another dispute on XX/XX/XXXX. Here it is XX/XX/XXXX and I am sending another dispute even though none of the bureaus have responded to me about anything I submitted to them!
Consumer complaint received 2020-10-23
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. (NV)

I receive a copy of my credit report after both my XXXX  and I received a call from a bill collector that we were not affiliated with. Upon further research we both seen that there was a lot of accounts and other personal info on our reports that neither XXXX of us authorized or belong to us. I filed a police report, an identity theft report, and disputed with all three major bureaus. They still have not been removed and its been months.
Consumer complaint received 2019-08-14
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

In XX/XX/XXXX, due to continuing problems with fraudulent attempts to obtain credit using my name and social security number, I froze my credit at all three credit bureaus. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX, a debt collection agency, claiming I owed them {$630.00} for a transaction using a debit card at XXXX XXXX  XXXX, where I have never been. When I called them, they informed me that the transaction used a Capital One debit card. I then called Capital One and was informed that they had opened an account using my social security number and the name " XXXX XXXX '' ( I am XXXX XXXX ), but they could not explain why this account was opened despite the credit freezes in place, nor would they tell me which of the credit bureaus had given them the approval to do so.
Consumer complaint received 2021-05-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

( 1 ) I am an African-American citizen residing in XXXX XXXX, PA. 

( 2 ) I executed a HELOC mortgage loan contract with XXXX  XXXX XXXX on XX/XX/XXXX. The original HELOC contract has never been modified and the terms and conditions of the HELOC contract do not specify any " balloon payment ''. 

( 3 ) I received a letter dated XX/XX/XXXX stating that the ownership of my HELOC loan had been transferred from XXXX XXXX XXXX to an organization named " Towd Point Master Funding Trust XXXX ''. The XX/XX/XXXX letter states ( in part ) : " The assignment, sale or transfer of your mortgage loan does not affect any term or condition of your Mortgage, Deed of Trust or Note. '' ( 4 ) I received a letter dated XX/XX/XXXX stating that the servicing of my HELOC loan had been transferred from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( " SPS '' ) effective XX/XX/XXXX. The XX/XX/XXXX letter states ( in part ) " [ n ] othing else about your mortgage account will change '' and " [ t ] he assignment, sale or transfer of the servicing of the mortgage account does not affect any term or condition of the mortgage instrument, other than the terms directly related to the servicing of your mortgage account. '' ( 5 ) On or about XX/XX/XXXX, I received a final written monthly statement from XXXX XXXX XXXX stating the current HELOC balance due was {$79000.00}. The final XXXX  XXXX XXXX XXXX statement covers the billing cycle XX/XX/XXXX thru XX/XX/XXXX. 

( 6 ) On or about XX/XX/XXXX, I received an initial HELOC statement ( dated XX/XX/XXXX ) from SPS stating the current HELOC balance due was {$86000.00}, including a " balloon payment '' of {$8300.00}. This initial SPS HELOC statement characterized the new balloon payment as follows : " The Outstanding Principal balance includes the Interest Bearing Principal balance and the Deferred Principal balance. The Deferred Principal balance is not subject to the charged interest rate and will be due as a final balloon payment on the earlier of ( a ) payoff of the Interest Bearing Principal balance, or ( b ) maturity date of the mortgage loan. '' ( 7 ) Towd Point Master Funding Trust and SPS have unilaterally and unlawfully modified my original HELOC contract and added a new {$8300.00} balloon payment to my HELOC contract. I have included the preceding twenty-five ( 25 ) XXXX  XXXX XXXX monthly statements as evidence that this balloon payment did not exist until after Towd Point Master Funding Trust XXXX and SPS acquired my HELOC contract. 

( 8 ) I request that Towd Point Master Funding Trust and SPS ( 1 ) immediately cease and desist their efforts to collect the illegal {$8300.00} balloon payment and ( 2 ) notify the Pennsylvania Attorney General and all credit reporting agencies regarding its unlawful collection efforts in this matter.
Consumer complaint received 2019-08-18
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: ERC (MA)

This company claims that I have a balance of $XXXX with them, I have been disputing this debt because they are reporting it as in collection on my credit report, I asked this company to please provide me with a copy of the original contract which bears my signature and which it concerns the debt being collected. All that ENHANCED RECOVERY COMPANY provided me with is a bunch of copies of account bills from the years XX/XX/XXXX and one copy from the year XX/XX/XXXX. This is not enough to validate the debt that they are trying to collect, I don’t want a piece of paper showing an itemization neither. I looked up the debt collection laws in the state of Massachusetts because that is where I reside and it says that on XX/XX/XXXX the Massachusetts Attorney general published onerous new consumer debt collection practice regulations, deeming their violation to be an unfair trade practice. It also says that these regulations, which became effective upon publication, purport to govern every business and person nationwide who engages in collecting a consumer debt (defined as any debt resulting from a purchase, lease or loan of goods, services or real or personal property or for a loan of money obtained for personal, family or household purposes, whether or not reduced to a judgement) from a person located within Massachusetts. Like I said at the beginning of my complaint, ENHANCED RECOVERY COMPANY is not willing to provide me with all documents or an original contract that bears my signature that is required in the state of Massachusetts. I am including some pictures that were taken by me so that ENHANCED RECOVERY COMPANY can read what the laws and regulations are in the state where I reside. If they are licensed to collect in Massachusetts, they should know these laws and regulations. This is not a refusal to pay, but I need this debt to be validated before I make any type of payment. If the debt cannot be validated please delete it from my credit file, as it is causing my credit worthiness big damage. Copies of account statements is not enough to proof that I opened this account, provide me with the original contract or delete the account from my credit report.
Consumer complaint received 2022-04-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

RE : 1 ) MISSING-IRS FORM 1098 MORTGAGE INTEREST STATEMENT FOR 2021 2 ) Online Access to Tax Forms and Account Statement BLOCKED and unavailable 3 ) Request Lender receive XXXX Loan Modification Guidelines and Discrimination Practices. 

Hello, While there have been a multitude of problems with this lender and their predatory lender practices. Today 's primary complaint has to do with not being able to get the XXXX to issue a copy of my 2021/1098 Tax Mortgage Interest Statement. Problem # 2 ) Request Bank of America to " UNBLOCK '' borrower 's access to her online banking records and statements ; XXXX ) Ensure BofA has a copy of XXXX Loan Modification Guidelines ; For the purpose of this complaint ; I am a single Female XXXX years old suffering with some physical XXXX ; however remain gainfully employed. 

In essence, after repeated request to the Financial Institution. And the Tax Deadline coming up in approximately ( 1 ) week. It is urgent for the completion of my 2021 Tax Returns that I have my 2021/1098. In addition, for B of A to STOP blocking my Accounts online statements. There is no excuse for the Bank to not issue my 1098 or to block my account statements. These practices are inexcusable and shady. How can we have a productive business relationship under these circumstances? Last, to prevent further account abuse. Can CFPB, please provide the lender with the XXXX for XXXX XXXX XXXX? Due to the fact, we have been working on getting my loan modification processed before further Federal Reserve Int Rate increases. 

I so appreciate the CFPB. Consumers are very lucky to have this governmental body watching out for us. I am very grateful. 

Sincerely...
Consumer complaint received 2020-10-13
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: SYNCHRONY FINANCIAL (MI)

According to a report from Transunion ( reported on XX/XX/XXXX 2020 ) I opened a credit card/loan with XXXX with a credit limit of {$6000.00} and a balance of {$4900.00}. My boyfriend went through XXXX and opened a credit card with them for this amount, and he gave them his social security number and allowed me as an authorized user on the card. XXXX never asked for my social security and I never gave them any authorization to run my credit. My credit report is now saying that I have {$4900.00} in debt with XXXX and they ran a hard report which dropped my score significantly. When I contacted XXXX more than once they denied any of this.
Consumer complaint received 2021-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/21 AMEX changed the settings of my autopay to turn it off. They did not notify me of this change in the way the regularly notify me of changes in my autopay settings. On XX/XX/21 I was charged interested of {$120.00} on my account because my autopay was turned off without my knowledge and I was not sufficiently notified. 

I was send an email on XX/XX/XXXX with the title of " We were unable to complete your AutoPay payment '' and a section that said " This may affect your scheduled payments and enrollment in payment programs such as AutoPay. '' After talking with a supervisor via chat on XX/XX/21 reference of COMPLAINT CASE ( XXXX ) I was told that my autopay settings were turned off as of XX/XX/21. This was because my bank account was frozen. Once I received the email I paid immediately, but since I was never notified that my autopay settings were turned off I did not turn them on. I even chatted with a customer representative at that time and they did not notify me that my autopay settings were turned off. As a result the interest charged to me on XX/XX/21 was only as a result of AMEX changing my settings without notifying me. I gave my consent for them to take the payment by turning on autopay initially, but they are charging me interest since they decided not to remove the money from my account by turning it off and not notifying me sufficiently. 

In my chat with them on XX/XX/21 the supervisor claims that the statement in the email on XX/XX/XXXX which reads " This may affect your scheduled payments and enrollment in payment programs such as AutoPay. '' which follows the statement " Unfortunately, we weren't able to complete your scheduled AutoPay payment because your bank account information is out of date. '' was meant to serve as a notification that my autopay was turned off 5 days prior on XX/XX/21. AMEX specifically has other emails they send whenever my settings for autopay change and this is nothing like those. Also other credit card companies instantly resumed my autopay after my bank account was reconfirmed with another payment.
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

FIDELITY INFORMATION C Original creditor : XXXX XXXX XXXX : {$2900.00} STATUS DATE : XXXX XXXX This formal complaint regards a fraudulent entry on my personal consumer credit account, erroneously reported since XXXX XXXX, listed by FIDELITY INFORMATION C XXXX regarding original creditor : XXXX XXXX XXXX XXXX adversely affecting and damaging my credit score and financial status since XX/XX/XXXX. 

After multiple attempts and repeated requests, including certified mailings with court certified documents ( mailed XX/XX/XXXX to FIDELITY INFORMATION C XXXX validating my dispute regarding the above stated fraudulent entry, XXXX XXXX XXXX has continuously refused to remove the fraudulent listing and repeatedly disputed my requests for removal with major credit reporting agencies. 

I am seeking full redress and a complete cease and desist from FIDELITY INFORMATION C ( regarding original creditor : XXXX XXXX XXXX for any future dispute rebuttals, and immediate removal of any and all negative reports or entries from my personal consumer credit account, including any and all public reporting involving my name or likeness. 

I have full documentation ready and available upon official request.
Consumer complaint received 2021-05-06
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (CA)

On XX/XX/2021 I got an alert on my XXXX credit report saying I had collection accounts effecting my credit score. There were 3 accounts with a total of about XXXX. So I did some investigating and found the company Dynamic Recovery Solution as the collection company. There is no original lender listed and there is no company listed as the entity that sold these false accounts to Dynamic Recovery Solution. So I disputed this info directly on the XXXX website ( am waiting results ). I reached out to Dynamic and requested the original loan docs for the 3 accounts that they were reporting for me, and they have failed to provide any type of proper documentation to show proof that the acts were mine. No loan docs, no promissory note, or any type of paperwork showing my signature or date. I am not even able to contact the original lender because there is not one listed!! I explained this to XXXX and am hoping they can remove these accounts asap, but I wanted to make a formal complaint with the CFPB to make this issue known on a larger scale. How are these companies able to reflect false information on my credit report while the " reporting agencies '' willingly accept the info without proper documentation? If proper documentation is not available to show proof that I own these accounts then they should not be on my credit report. PLEASE HELP!! 

The accounts in question that are falsely reported on my XXXX Credit Report are listed below. No original loan docs have been supplied and the Original Lender listed as Educational Loans is not a company at all. Please advise. 4 accounts totaling {$110000.00} All accounts start with the following number sequence. 

Account number XXXX
Consumer complaint received 2019-08-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: V and H Portfolio (TN)

Received a call from collections XXXX XXXX XXXX and man stated that he was an investor trying to track me and will find me no matter what it takes to sue me. I told him I called XXXX  to make the full payment and they didn’t allow it because it was in another state. He kept trying to threaten me that he will find me and get their dining table. This was back in XX/XX/XXXX. I disputed an account of collection name VanceHuffman back in XX/XX/XXXX and deleted on my credit. It comes back on my credit with another collection name “ Vance and Huffman” believe open XX/XX/XXXX and increased amount XX/XX/XXXX to make it seem i just got this. This account is from XX/XX/XXXX why are they charging it to XX/XX/XXXX? Please help and thank you.
Consumer complaint received 2020-10-12
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 have not been late on this account there was no full investigation on this account for late payments. There was an automated response from e-Oscar system stating the information was verified. I request physical verification in XXXX of XXXX of this year showing I was LATE as I have NEVER been late. XXXX XXXX Account # XXXX Please correct XXXX payment history as it not reporting correctly. 

Please PYSICAL VERIFICATION OF LATE PAYMENTS.
Consumer complaint received 2023-03-29
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: Experian Information Solutions Inc. (PA)

On XX/XX/2023 I received an alert from Experian that an inquiry on my credit report was ran through XXXX in the state of Ohio. I have no connection or relation or live in the state of Ohio. I filed a dispute with Experian and had a fraud alert placed on my account. I was advised to submit this next action. Thank you.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

In review of my Experian credit report I noticed that there are three ( 3 ) accounts that are reporting inaccurate information. 

1 ) XXXX - Account is reporting closed ; however there are three ( 3 ) late payments reporting in XXXX and one ( 1 ) late payment in XXXX. I have never been late with this account and I contacted the original creditor and was advised to contact the credit bureau to get this information corrected. ( See Attached ) 2 ) XXXX XXXX The account " Status '' is reporting as " Legally paid in full for less than the full balance '' along with the " Comments ''. This account was paid in full and creditor stated that they reported this to the credit bureaus. I was advised by the creditor to contact the credit bureaus to correct this matter. ( See Attached ) 3 ) XXXX XXXX- this account is showing a late payment listed in XX/XX/XXXX, I was never late in paying. When I contacted the original creditor, I was told to contact the credit bureau to correct this incorrect information. ( See attached ) I would like for Experian to review these inaccurate reporting information and make the necessary corrections.