davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (IA)

Hello, on XXXX I submitted a complaint to Gregory Funding and copied multiple agencies that may assist with the complaint, which is how I got Consumer Financial Protection Bureau ( CFPB ) information from FDIC 's Office of Ombudsman. 

Gregory Funding purchased my mortgage from XXXX in XX/XX/2020. I made the XX/XX/2020 payment to XXXX in XX/XX/2020, then XXXX forwarded the payment to Gregory Funding. To date the XXXX payment is not applied by Gregory Funding because they claim XXXX did not send the payment. Proof of XXXX mortgage payment by me to XXXX  and proof of XXXX mortgage payment wire transfer from XXXX to Gregory Funding was provided to Gregory Funding on XXXX to, but to date the XXXX mortgage payment is not applied. 

In short, two companies are in dispute of money sent and money received, but for me as the consumer, I am out an entire mortgage payment, accumulating monthly late fees, reflecting my credit report, and Gregory Funding is withholding an escrow surplus check because my account is not current, which is incorrect. 

I have made multiple attempts to resolve this matter with Gregory Funding and this process has become labor intensive with no resolution yet. Please see attachments which are the XXXX complaint sent to Gregory Funding with detailed information about this complaint. In this attachment to CFPB I am including everything that was sent to both Gregory Funding and XXXX, specifically proof of XXXX payment on loan history statement. 

Thank you in advance for your assistance with this matter. 

Sincerely, Consumer
Consumer complaint received 2019-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX  and transunion have accounts on my credit report that are not mine/inaccurate. 

accounts : XXXX Account : XXXX Investigate Ownership : I have no knowledge of this account THIS IS NOT MY ACCOUNT. PLEASE DELETE. 
Creditor : XXXX XXXX Account : XXXX I have no knowledge of this account THIS IS NOT MY ACCOUNT. PLEASE DELETE. 
Creditor : XXXX XXXX Account : XXXX I have no knowledge of this account THIS IS NOT MY ACCOUNT. PLEASE DELETE. 
Creditor : XXXX XXXX Account : XXXX I have no knowledge of this account THIS IS NOT MY ACCOUNT. PLEASE DELETE
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2022-04-30
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section604 A Section 2 : It also states consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 

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 2021-12-09
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2021-06-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P. (PA)

Southwest Credit Systems keeps using different phone numbers to contact me. When calling nothing is said, not a single word, and after a few seconds to a minute the call is ended. I Called back and found out the company, SWC Group, so I'm assuming they think that I owe a debt, which is fine, but getting in contact with them is impossible. 

So far they've called from : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX They have not said a single word over the phone. I have not received any correspondence in the form of mail or email about the debt. I'm not even sure if there is a debt in collections as I feel I've been making payments on everything in a timely manner. If there is a debt, I dispute it until they can validate it. I tried talking to someone, to get the debt validated, and I have yet to have a single response.
Consumer complaint received 2022-04-30
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: Experian Information Solutions Inc. (NJ)

On XXXX XXXX, 2022, I sent a letter requesting the XXXX credit bureaus to investigate every piece of information on my credit report. According to FCRA, credit bureaus are supposed to investigated these items. They have sent me notification that the items were verified. They didn't do a proper investigation according to the law. Every piece of information listed on my credit report is still not 100 % accurate. 
The credit bureau has violated 15 USC 1681. The credit bureaus are supposed to complete all investigations before the expiration period under Section 611 ( a ) ( 1 ). The following accounts were not properly investigated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-26
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: Santander Consumer USA Holdings Inc. (MO)

Back in XXXX Santander Consumer USA repossed my car, fraudulently. I did not ever miss 3 payments in a row nor did I miss 3 payments in the 3 years I had/owned the car. Their predatory lending ways would have them call me constantly if I was one day or ever late, they called insistently 24/7. When I requested they stop calling so frequently they said that was like putting them on a cease and decist so they could not reach me. I NEVER EVER KNOWINGLY did that. So when they wouldn't reach out to me one night they came and got my car out of the driveway. With the high interest rate I didn't attempt to get it back and called it even. 

In XXXX, TODAY hey are reporting on my credit report like this just happen in XX/XX/XXXX, which is a lie, which should be fraudulent and I don't know why it is coming up again like it is recent because it is not. I want them to fix it and not keep reporting it like it just happened. It is causing me undue financial hardship.
Consumer complaint received 2018-02-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Genesis Credit Management, LLC (CT)

Genesis Credit Management originally contacted me in XX/XX/XXXX. I disputed the charges and requested that they validate the debt on XX/XX/XXXX. I informed them on XX/XX/XXXX that I do not owe the debt they are attempting to collect, to cease contacting me, and take no further action ( attached ). Despite this though, they continue to contact me and reported the unvalidated debt to the credit reporting agencies. I submitted a complaint to the CFPB regarding further calls on XX/XX/XXXX, to which they never responded ( attached ). Subsequent to that they attempted to contact me again on XX/XX/XXXX and again on XX/XX/XXXX ( attached ). I have also submitted a complaint with the WA State Attorney General 's Office regarding the continued harassment about a debt I do not owe. I request that the CFPB compel Genesis Credit Management to cease communications and abide by the applicable consumer financial protection laws, which they continue to violate.
Consumer complaint received 2023-04-04
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)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (NC)

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 15 use 1681 section 602 states I have the right to privacy 15 use 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my writing instructions 15 use 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (CA)

I got a XXXX loan from speedy cash in XXXX at the moment when I was signing the contract the person giving me the loan stated the contract would be sent threw email did not explain much of the loan I took the loan with out the knowledge of I had to pay back about over {$10000.00} back for a loan that was only XXXX i belive in there end I owe them about XXXX I made my payment on time and more than what I borrowed and there apr was about 135 %
Consumer complaint received 2021-09-14
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: EQUIFAX, INC. (TN)

I keep calling about account that reporting inaccurate on my credit report and I dispute several of times and spoken with representatives on yesterday on XXXX the XXXX and I was told account previously investigating and representative told me they haven't received any responses and I stated if your not had any response from this within 30 days the file must be removed from file per Federal Credit Reporting Act 609 but account is showing close. The Bureau isn't obeying the laws their not above the laws. I ask to representative to provide me the method of validation it was refused
Consumer complaint received 2021-11-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (PA)

TD Bank has charged me XXXX for a fraud that resulted in a overdraft for the XXXX that they are wrongfully holding me responsible for charges that I am 100 % not responsible for. 

TD bank has informed me that they conducted an investigation that resulted in their decision to wrongfully hold me responsible for these charges. 

I am willing to testify under oath in a court of law that I know nothing about these fraudulent charges and respectfully request CFPB to intervene in this matter. 

My Checking Account # XXXX and my routing number is XXXX Last 4 SS XXXX Thank You very much in advance.
Consumer complaint received 2021-07-01
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. (VA)

I recently found out my information was impacted by the Equifax data breach and now more than ever I feel my information has fallen into the wrong hands. I research the proper way to dispute these inaccurate and misleading items and now over 45 days I received no response. I feel like Im on a hamster wheel going around in circles regarding these inaccurate items. I also researched it is against the law to continue to report inaccuracies especially when they have not been validated. Please assist in removing these items immediately. Thank you
Consumer complaint received 2018-02-15
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. (FL)

Transunion has a stated policy on rate shopping-copy enclosed. Multiple mortgage inquiries do NOT impact your score. I have 9 inquires. 5 of which are rate shopping inquiries over a short period. Should count as one.
Consumer complaint received 2021-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

I submitted a dispute for a billing error on my CITI Visa credit card on XX/XX/2021 for {$560.00} by XXXX XXXX. Upon my initial dispute, I provided the requested documentation. In response to the CITI letter requesting documents already submitted dated XX/XX/2021, I resubmitted my documents on XX/XX/2021. I included all necessary documentation to fully and adequately follow through with this dispute. 
However, CITI failed to provide any response from the merchant or let me know if the merchant even replied. Furthermore, it is now the end of XX/XX/2021, far beyond the allowed 2 billing cycles which CITI is obligated to correct this billing error. I previously informed CITI of their failure to provide the required documents and process the dispute in accordance with the published and public VISA dispute resolution guide. 
The provided documentation includes written correspondence between myself and XXXX who agreed it was an error on their part and would be issuing refunds but failed to do so. 

CITI has failed to provide any reason for their belief the is valid or provide any supporting documentation from the merchant. 
The billing errors were a result of XXXX failing to provide credit for free coupons utilized upon making the reservations and double, even triple charging my card for these errors. On XX/XX/2021 I was in communication with XXXX from XXXX who stated she made the correct adjustments to the charges, however as I have now been charged back months later for these charges the amounts charged are no longer correct. 

Citi has refused to correct this billing error despite receiving the necessary documentation to support my case, or provide the required documentation proving the billing error to be valid.
Consumer complaint received 2018-10-04
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. (GA)

While XXXX from XX/XX/XXXX to XX/XX/XXXX ( see attached " Certificate of Discharge '' document confirming my incarceration ), someone stole my personal identification documents ( driver 's license, Social Security card, birth certificate, tax returns, bank and credit card statements, and other sensitive financial documents ) and used the information gained from those documents to fraudulently open a credit card with XXXX XXXX XXXX on XX/XX/XXXX. I became aware of this fraudulent acct when I obtained a copy of my credit reports and saw this acct being reported. 

This fraudulent acct is currently showing a balance of {$4000.00}. The last 4 of the acct # are XXXX. 

This transaction was not made by me or authorized by me. I have not at any time made my personal identifying information available to anyone, and have not benefited from this transaction in any way. 

On two occasions ( XX/XX/XXXX and XX/XX/XXXX ) I reported this fraudulent account to Equifax and sent them the attached dispute letter, police report, proof of incarceration document, and other supporting documentation. On the first occasion in XX/XX/XXXX, they opened up a dispute, conducted an investigation, reviewed all of my documents, and determined that it was in fact a fraudulent account and removed it from my credit report in XXXX XXXX. It remained blocked from my credit report from XXXX XXXX until XX/XX/XXXX when it started being reported again. I filed another dispute with Equifax in XX/XX/XXXX and sent them the same documentation I had sent them back in XX/XX/XXXX when they properly removed the account from my credit report. However, since I re-disputed this fraudulent account in XX/XX/XXXX, Equifax has failed to stop reporting this fraudulent account again when there is no doubt that I could not have opened this account if I was incarcerated. 

In accordance with the Fair Credit Reporting Act, I have submitted all required documentation and statements to prove that I was the victim of Identity Theft. However, in accordance with section 605B of the Fair Credit Reporting Act, Equifax is failing to adhere to its responsibilities and block this fraudulent account from my credit report.
Consumer complaint received 2018-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/2013, {$9100.00}, This is a Chase Bank card that is an authorized user account that I have never used or had access to. I have requested numerous times to have my name/ss # removed from being linked to this card since I am only an Authorized User and not a primary card holder, I DID NOT apply for this card. This account is in default by the primary card holder and I have requested to be unlinked from the account so my credit is not tarnished by this primary card holder that is not paying the bill.
Consumer complaint received 2019-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NV)

XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. 

Chapter XXXX Bankruptcy Case Number : XXXX
Consumer complaint received 2018-02-15
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. (WI)

i have sent numerous letters to Equifax concerning inaccurate information pertaining to inquiries. there are 13 inquiries on my report that i have disputed as inaccurate and identity theft. i have sent numerous dispute for them to send me any and all documentation that has my signature and authorizing them to have these inquiries on my credit report but yet after many months i have yet to get any information from them as they are in violation of the fair credit reporting act and i would like them to pay for the damage that those negative inquiries has cost me and well as punitive damages per the fair credit reporting act. I also has requested the same information pertaining to a inaccurate bankruptcy that is on my credit report. i have sent many dispute on this matter and they still haven't sent me the information i requested. like all documents with my signature and all information about the dates and time of filings as well as the address. I ask that you compel them to do so since the fair credit reporting act states that i can request that information.
Consumer complaint received 2022-11-20
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting XXXX  XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX account # XXXX, US BKPT CT VA XXXX account # XXXX, US BKPT CT VA XXXX account # XXXX, US BKPT CT VA XXXX account # XXXX and XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-04-30
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. (DC)

I've contacted the three credit bureaus between XX/XX/2022 to present date in response to their reporting tactics and my reporting issues had not been resolved. Inaccurate late payments and and a charge off on my accounts with the three credit bureaus have been address to the credit agencies, but no action has taken place to correct the issue. Ive also taken several steps to reach out to the company reporting the information to the credit bureaus and have not gotten any response. 


15 U.S.C. 1681 section 602 A states I have a right to privacy. 

15 U.S.C 1681 604 A section 2 : It also stated a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-30
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 — Investigation took more than 30 days
Company: Maximus Federal Services, Inc. (TX)

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my student loan ( DPT ED/AIDVANTAGE ). The status is reporting late. I find that strange since I don't recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies from XXXX. Doesn't this go against the FCRA Laws?