davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-29
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In accordance to Fair Credit Reporting act. These accounts listed below has violated 15 USC 1666B. 
XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX 15 USC 1666B states a credit reporting agency may not report any open end consumer plan late for any purpose.

15 USC 1605A states the finance charge is the sum of all charges.

15 USC 1681A ( 2 ) ( A ) ( I ) states a consumer report does not include transactions or experiences between a consumer and a person making the report.
Consumer complaint received 2020-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (IL)

First and foremost, the communication with this lender is awful. I applied for a COVID 19 Forebearance. I never received anything from them. Only when I called and listened to the answering machine did I find out that I do not have to pay until XX/XX/2020. I never received anything official in writing from them. 

On top of that,, my real estate tax bill went down XXXX. I sent this to the lender and asked for an escrow analysis. They were collecting a much HIGHER amount for the projected amount. The projected bill came in XXXX lower, and somehow in their calculation, my payment has now gone UP and not down. They are stating that I have an escrow shortage of XXXX This is impossible because they were collecting a higher amount all along. 

Finally, I want my payment due date by the XXXX of the month. They have charged me fees if I pay after the XXXX, even if their is supposed to be a grace period to the XXXX. 

Please help me with these issues.
Consumer complaint received 2023-03-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

" On XXXX XXXX, 2022, the XXXX signed the Joint Consolidation Loan Separation Act to authorize borrowers to separate joint consolidation loans ( also referred to as spousal consolidation loans ). Once the joint consolidation loan is separated, each spouse would only be responsible for their portion of that previous loan. '' I have 2 loans, one is mine and the other belongs to my ex spouse. In order for me to be able to make fair payments to my loan the loans need to be separated. My ex spouse never made any attempts to pay any portion of his student loan. I asked my servicer AES to please provide updates regarding this signed law. They told me that there was nothing on file showing the spousal consolidation law was approved, let alone my qualification. I am one of the class members and am still waiting for this to show in my records and for AES to properly acknowledge and take proper action regarding this matter. It has been 5 months and there has been no information from the servicer.
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/XXXX TransUnion Committed IDENTITY THEFT BY furnishing a consumer report without my authorization, consent nor did I benefit from the consumer report being furnished named " XXXX XXXX '' ACCOUNT NUMBER : XXXX which according to the FCRA they didn't have permissible purposes to furnish that report which my written instructions is needed to furnish that report. TransUnion also furnished consumer reports on XX/XX/XXXX, and XX/XX/XXXX accounts named " XXXX XXXX XXXX XXXX', AND XXXX XXXX XXXX XXXX XXXX without my authorization and or consent neither did they have my written instructions. TransUnion is now civilly liable pursuant to 15 USC 1681n for the furnishing of all consumer reports known as accounts without consent. On XX/XX/XXXX I sent a notice of FCRA violations certified mail receipt number : XXXX XXXX XXXX XXXX XXXX to TransUnion Consumer solutions of the Said violations of the FCRA with a 1 page copy of the law stating the violations.
Consumer complaint received 2021-06-07
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)

As of XX/XX/2021, XXXX  and TransUnion are currently reporting an fraudulent account from XXXX XXXX  that is adversely affecting my credit score. This account is not mine and no information has been furnished to me upon request. I was a victim of fraud previously and as a result placed a lock on credit file.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Atlanticus Services Corporation (NC)

The charge card company Fortiva or " XXXX '' as stated on my credit reports refused to respond to the numerous request sent in to them by the credit bureaus on my behalf. I used my XXXX XXXX charge card one time in the total of {$1600.00} and promptly paid the balance off in full. Seeing though I am in the market to purchase a vehicle for my business, I need the decrease in credit utilization to give my scores a huge boost so that I can secure the financing for said vehicle. However, when I called in to Fortiva on the XXXX of XXXX to ask why haven't they responded to my disputes to update my account, I was told that due to the company 's protocol of updating account information, they will not honor my request to XXXX out my balance before the XXXX are up and since my account is updated once a month on the XXXX, that I would have to wait until the XXXX of XXXX to see that payment reflected. I found this to be quite strange and annoying seeing as any negative information that happens with my account would be reported and updated immediately, plus I never been told by a creditor that they will not respond to a dispute opened by the credit reporting agencies. I was given a XXXX balance letter by one of the reps but, they must've known that the letter is futile if the company doesn't respond to the dispute because that is exactly what XXXX XXXX and XXXX told me. Basically the XXXX balance statement is worthless.This has cause me great XXXX and many fXXXX XXXX. I've been denied loans lines of credit and many other things due to my utilization being too high and mostly from this one account.
Consumer complaint received 2018-07-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cottonwood Financial Ltd. (IL)

I XXXX XXXX XXXX I applied for a loan at The Cash Store and paid of my loan and noticed that money was taken out of my account and as, I started to investigate an Employee at The Cash Store comited fraud and write checks under my account without my permission for her own personal use. How that happened to me don't understand, I was told that this was not the first time that employee done that to other customers. And now I have a collection on XXXX  XXXX  & XXXX  in the amount of {$760.00} im not responsible for that amount an employee takes out money and im in debt to pay this has to be removed immediately from my credit report.
Consumer complaint received 2021-01-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (KY)

I opened a credit account with XXXX XXXXComenity Bank, I believe in XXXX. I shopped there only occasionally, but every time I received a bill, I paid it on time. The next thing that happened was that Comenity sent me a letter dated XX/XX/XXXX saying that my account was closed and charged-off and sold to XXXX XXXX XXXX XXXX XXXX. I never received a statement for the amount it claims I owe, and I never received any written notification from Comenity Bank prior to the XX/XX/XXXX letter. I checked my credit report and Comenity has reported the alleged debt to the credit reporting agencies. The reports indicate that the charge-off amount is {$450.00}.
Consumer complaint received 2021-11-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arcadia Holdings, LLC (PA)

I have no contract with this company. This company is reporting a debt that they have no contract to collect. This company has illegally claimed to " certify '' this as accurate reporting but has failed after several request, to prove the contract that I have breached my duty to pay them. 
XXXX is has notified me that DISPUTED ITEM NOT LISTED ON CREDIT REPORT yet is still reporting.
Consumer complaint received 2024-05-08
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: Byrider Franchising, LLC (IL)

I got the car under pretenses in 2018 and let the car go after a few months. The company came to get the car, and now the company is trying to garnish my checks. They are a bad car company I should have read the reviews.
Consumer complaint received 2021-05-25
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MD)

Both my wife and I are receiving nearly daily dispute letter from Equifax, and we notice that both of our credit reports are showing that we're disputing something in the report. When neither of us for a while now has filed a dispute either by letter or using the on-line portal dispute. And we're wondering if the complaints we file here are being converted to disputes that has us receiving responses that has nothing to do with the actual complaints I've filed here. The filed complaints seem to take forever to answer while there seem to be ongoing responses to disputes neither of us has filed. So since it there has been months since either of us could have filed a dispute, please stop sending us responses to disputes we've never requested. 

Attached are two pages that came today XXXX XX/XX/XXXX ) It has a XXXX XXXX : XX/XX/XXXX date with a : Confirmation # XXXX and it reads more like how to understand the dispute system, but totally lacks anything relevant or worthwhile concerning any situation we've been having a problem with, or anything we've put in a complaint here on CFPB. Not sure why in the total two pages that were in the envelope, there is nothing of substance or relevancy to anything of concern for either of us. Surely there was not a Dispute filed by me in either letter form or using the online portal, yet there are normally or almost daily dispute letters from Equifax in our mail box.
Consumer complaint received 2018-02-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Account Systems of Omaha, LLC (IA)

I received a letter from XXXX XXXX on XX/XX/XXXX stating the amount of my debt is {$640.00}. I checked my credit report about a month ago ( XX/XX/XXXX ) and that was still the amount listed on the debt. I received a letter from XXXX XXXX on XX/XX/XXXX and they are now saying the amount I owe is {$1000.00}. The letter from XX/XX/XXXX is offering me a settlement of {$500.00}. I contacted them offering them {$300.00} to settle and informed they are charging me more than my balance when my account was charged off/closed. He stated they are charging me 17 % interest and I should write a check for my original amount of {$640.00}. When I said I would pay {$300.00} he said he wasn't going to negotiate with me. When I stated they were already trying to negotiate with me he said he had no record of it and I read the letter that was sent to me he said I should just pay my original balance and I wouldn't have a problem. I asked for his name and he wouldn't give it to me and he ended the call.
Consumer complaint received 2021-05-25
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. (CA)

There are many many many accounts that are not mine I have not opened these or used or approved these I need help since the bureaus and the furnishers do not answer any of my emails letters or calls. This is identity theft. 

XXXX XXXX BANK USA N - Acct # XXXX Opened XX/XX/XXXX Amt {$330.00} XXXX XXXXXXXX BANK USA N -Acct # XXXX Opened XX/XX/XXXX Amt {$2100.00} XXXX XXXX BANK USA N - Acct # XXXX Opened XX/XX/XXXX Amt {$0.00} XXXX BANK XXXX XXXX Acct # XXXX Opened XXXX XXXX, XXXX Amt {$3500.00} XXXX  - Acct # XXXX Opened XX/XX/XXXX Amt {$600.00} XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Amt {$3700.00} XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$3100.00} XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$2300.00} XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$9600.00}
Consumer complaint received 2021-05-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My free eChecking Bank of America account was converted to regular checking account without my permission. And when I tried to login into my account after while I found out that my account was force closed because they had taken all the money in maintenance fees and there was no money left. 
This is a plain robbery. I was sent no written communications and any phone calls informing me of this.
Consumer complaint received 2018-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NY)

The collection company is Transworld Systems Inc In attempting to collect a tollbooth debt which I already paid when I went though the tollbooth with my XXXX, they accidentally sent me a bill/documentation for someone elses debt. I was shocked. I got a copy of this persons medical bill, their name, and their address, not to mention medial information about them. Its a total breach of this persons confidentiality and that is why I am filing this complaint. Totally unacceptable.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

FIELD ( 25 ) FCRA Compliance/Date of First Delinquency - XXXX XXXX is reporting an inaccurate Date of First Delinquency to two major Consumer Reporting Agencies XXXX XXXX XXXX XXXX  ) and Experian has no date of first Delinquency at all. 

The Date of First Delinquency for XXXX XXXX XXXX  shows as XXXX XXXX which is inaccurate reporting according to FCRA Compliance. The file is not aging correctly and is affecting my credit scores.The Date of First Delinquency is used by the consumer reporting agencies to determine when delinquent data is to be deleted, pursuant to the Fair Credit Reporting Act ( FCRA ) and Date of the first delinquency with the original creditor that led to the account being sold or placed for collection. The format for XXXX is XXXX and the exact date should have been provided for this account for accuracy. 

Also for the account on the Experian report XXXX XXXX XXXX XXXX ( XXXX ) account status shows {$1200.00} past due as of XX/XX/XXXX. I have not been in communication with the collection agency to establish any arrangements to pay therefore a past due amount should not be reflected on this account. 

On the XXXX report for the same account XXXX XXXX XXXX XXXX  ( XXXX ) Amount Past Due shows {$1200.00}, as stated above I have not been in with the Collection agency to establish any arrangements, therefore they should not be reporting a past due amount. 

The FCRA states that companies which furnish data to the consumer reporting agencies have a responsibility to provide accurate information and only inaccurately reported accounts should be deleted. In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the day commencement of the delinquency on the action that immediately preceded the action.FCRA 623 ( a ) ( 5 ) ( A ). 

Since Experian ( XXXX ) was not provided the Date of First Delinquency for the account with XXXX XXXX  within 90 days after furnishing the information for this account as required under the Fair Credit Reporting Act FCRA 623 ( a ) ( 5 ) ( A ), the account should be deleted from all three Consumer Reporting Agencies to preserve the integrity of my credit Portfolio and accurate reporting.
Consumer complaint received 2022-01-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lewis, McDonnell & Associates (MS)

I have filed numerous complaints about this debt. I refuse to pay {$3000.00} + dollars for something I dont owe. This debi collection agency provided me with documents that I found in my email. I never signed for anything of this amount. I remember purchasing a television from a place right before the storm. It was a 55 television from XXXX XXXXXXXX in XXXX XXXX. I never brought anything else. This is not my account. The signature is not mine and I am not paying for something I dont owe. This company is a fraudulent company. The only other loan I took out was with XXXX XXXX  for {$1000.00} in 2013. I paid it back within 30 days. This documents does not contain my signature.
Consumer complaint received 2021-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (NY)

I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2019 with a balance of {$25000.00} which I did not make. I have this police report where I stated that I lost my phone where I stored my personal information.
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The Fair Credit Reporting Act provides protection against the misuse and misreporting of your credit information. When creditors, collectors, or credit reporting agencies violate the provisions of the FCRA, it can cause a lower credit score, denial of credit, higher interest rates on loans and credit extensions, and more. It's important to recognize when the FCRA has been violated and it has so in my case account under the name XXXX XXXX also known has XXXX XXXX has violated against me. Number one they have been reporting late payments on an account thats was closed on XX/XX/2021. They have Been reporting late payment from XX/XX/2021to present day XX/XX/2021. 2 they have been reporting inaccuracies payment reporting to all three credit bureaus I have disputed the information and it has not been updated to correct these violations
Consumer complaint received 2021-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

On XX/XX/XXXX, we had a major flood at our home. It required us to be moved into temporary housing until we could have renovations done. Our insurance company completed their estimate and issued a check to us and the mortgage company. We signed the check and sent the check to our mortgage company for endorsement. They sat on the check for 10days before moving forward. they then issued {$6600.00} from a {$26000.00} check. This amount was to get the contractor to 25 % completion which was a joke, because the funds were based upon a {$44000.00} completed job and 25 % complete was not {$6600.00}. They have since wasted 4 weeks and have not released any more funds so we can get back into our home, I have paid for overnight services for the check to be sent. Our contractor has called, our insurance company has called and let them know its holding up progression. They have yet to release anymore funds as requested. They are now playing with the funds saying it takes 7-10 days to get a check printed. Meanwhile we are being charged more from contractor because the price of materials have went sky high. The company that is holding the money is XXXX XXXX, located in Michigan. There are several similar complaints about this company at the XXXX  for doing the exact same practices and causing major issues to homeowners.
Consumer complaint received 2021-06-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

ON XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (CA)

Loan was refinanced and paid off on XX/XX/2021. Guaranteed Rate stated that sent a escrow refund check on XX/XX/2021, I call them after 30 days on XXXX/XXXX/202, They apologized and said that they would send out another check and to give it 30 days. I waited another 30 days I called on XX/XX/2021 still no check. I have spoken to 3 different supervisors all saying they would escalate this issue. I have also spoken to them today, XX/XX/2021. I have waited long enough. And, I do not have confidence that this will get done.
Consumer complaint received 2020-11-05
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 went to go by a car on XX/XX/20 at XXXX XXXX  and they told me i had a collection with XXXX XXXX XXXX  # XXXX i have never applied for this loan nor did i ever give permission to anyone else to do so. i have never gain any type of benefits for this account being open no money no goods have i received. Please see attached supporting documents
Consumer complaint received 2017-08-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

This is an amendment to Complaint ID  XXXX , submitted on  XXXX - XXXX -2014. Please refer to the attachment submitted here because I want to know if it has any bearance on my problem with chase bank.