davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX, I have a new job that I recently started I had a chance to see my credit report and seen unrecognized addresses on my credit file. 
My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX My DOB XXXX SS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX, TX. XXXX XXXX : XXXX XXXX Dear XXXX XXXX : This is my final attempt to contact you regarding my request for your company XXXX XXXX to remove the XXXX air conditioning unit and any and all other components installed in my home on XX/XX/XXXX-XXXX, 2016. I have tried to resolve this matter with you ( XXXX XXXX ) and XXXX XXXX XXXX since XXXX XXXX, 2016.  Ive contacted XXXX XXXX XXXX Credit Card to dispute the charges of {$13000.00} and to conduct an investigation in to the manner in which this account was opened. I have made several attempts to resolve this mater amicably. XXXX XXXX has not made any attempts to contact me regarding removal of this unit. Your company called and offered me {$500.00} weeks ago and last week XXXX called asking for my email address to send me some sort of warranty information. Each time I requested the removal of the unit and each time I was told that they would have you call me back. To date I 've yet to hear from you. Therefore youve left me with only two ( 2 ) options Ive listed below 1. I could have a XXXX Authorized Specialist remove the above referenced unit and deliver it to your office at your expense. 2. I could have a XXXX Authorized Specialist disassemble the above referenced unit and store it in my garageand charge XXXX XXXX a storage fee. 3. I want you to realize that you have removed to working units from my property when I ask you to leave them. You have lied to me, stating the EPA requires you to remove units or be fined XXXX dollars. I have verified this EPA. and it was found that you lied. Please contact me within five ( 5 ) days from receipt of this letter ( no later than XX/XX/2016 ), so that we can settle this matter. If no response by XXXX XXXX, XXXX, I have no choice but to pursue the above referenced options. Your prompt attention regarding this matter is greatly appreciated. You XXXX only contact me via email at XXXXXXXXXXXX. Regards, XXXX XXXX
Consumer complaint received 2022-04-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: TOYOTA MOTOR CREDIT CORPORATION (AZ)

I have an extended warranty o. XXXX XXXX XXXX and XXXX took the warranty claim my request aND NEVER LOOKED AT IT I TALKEC TO XXXX XXXX XXXX IN WARRANTY AND THEY ADMITTED XXXX NEVER LOOKED AT REQUEST FOR WARRANTY REIMBURSEMENT AND THEY STUCK IT IN A FILE LIKE IT NVER EXisted!!!!!!!! Well it does exist I gave XXXX mile warranty on my car and they acted like this claim never existed! XXXX told me fly wheel resurfacing was covered under mbwarranty snd XXXX told me XXXX documented its not covered!!!! Guess what??????? XXXX csm document anything he wants but he told me its covered!!!!!!!!! 
XXXX warranty is a joke Im reporting to XXXX consumer protection bureau XXXX and everyone else snd applying for refund!!!!!!
Consumer complaint received 2018-04-02
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. (TX)

Ive contacted XXXX numerous times over the past few months about inquiries that does not belong to me and they have denied me of deleting them even after they told me I was a victim of their breath. Also Ive had a collection removed from my other reports however XXXX is refusing to remove it
Consumer complaint received 2017-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Northern Trust Company, The (TX)

In XXXX XXXX 2017, I submitted online a bill pay to an individual for {$3500.00} via my account with XXXX, XXXX XXXX XXXX ; the check was issued on X/XX/2017 by Northern Trust. After the payee received the check & attempted to deposit {$3500.00} to her own bank account, her bank/credit union however could n't deposit the funds because of " Return Reason - Refer to Maker '' dated on XXXX XXXX, 2017. I opened a case with XXXX via phone call. I then received a call on X/X/2017 from the corporate office telling me that the check was cleared & issued as submitted ; later on the same date, I emailed XXXX the photo/file of the returned check : refer to maker that I received from the payee 's bank. On X/X/2017, I called XXXX & Northern Trust to find out why my payment to the payee was returned or stated 'refer to maker ', I was simply informed by agents at XXXX & Northern Trust that the check on X/XX/2017 was issued and I 'll receive a copy in the mail in a few days. I stated that we all know that the check was cleared on X/XX/2017 after my bill pay request, but both XXXX & Northern Trust did n't answer my question as to why the check was n't cleared by the payee 's bank returned nor to further investigate as to why the check was returned -refer to maker. For whatever the reason, the check is not good ; therefore, I 'd appreciate a sincere effort from both XXXX & Northern Trust to look into & resolve the matter. Should the old/bad check need to be voided and another check to be issued, please expedite the process as my payment to the the payee was way past due.
Consumer complaint received 2018-04-02
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bepensa Capital, Inc. (GA)

AFS ACCEPTANCE is reporting on my credit trying to collect {$11000.00} plus XXXX ( XXXX XXXX XXXX ) also on my credit trying to collect {$6700.00} For the same account ... the vehicle was purchase from XXXX XXXX XXXX but was sold to AFS ACCEPTANCE so why both trying to collect??? I was never giving no notice of the auction or sale, was have sent any information were I could have attended the sale or auction please validate this account
Consumer complaint received 2018-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX, SD pulled a credit inquiry on me that I did not authorize.
Consumer complaint received 2018-04-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (CA)

On XX/XX/18 I piad a {$1500.00} debt over the phone to the law offices of XXXX XXXX XXXX. 
My bank statement shows the same name and amount for the charge to my account On Wednesday XX/XX/18 someone attempted to sever a summons at my parents address in XXXX CA. My Father told him I do not live there and that I live in XXXX CA. The same person returned on Friday XX/XX/18. My father told him again I live in XXXX. The process serve left the papers on the porch and left. My father called to tell me about this. I went to get the papers and it is a Summons and that I am being sued by TD Bank. The legal firm is the same XXXX XXXX XXXX that I made my payment to on XX/XX/18. I have sent them 2 emails to the address on the paperwork. both were returned as bad email address. I sent them a email from the " contact us '' on their web site and have not had a reply. I have not called them because I want everything I writing from them.
Consumer complaint received 2018-04-02
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: EQUIFAX, INC. (MD)

On XX/XX/2018 XXXX XXXX XXXX  XXXX XXXX XXXX, SD pulled a credit inquiry on me that I did not authorize.
Consumer complaint received 2018-07-12
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: Midwest Recovery Systems (TX)

Midwest Recovery system told me that I get a loan from pay day loan back in XX/XX/2015. It was check to cash in XXXX XXXX. I told them that was not me, if I got a balance from the creditor why they don't send the bill to my house or call me. They never send any bill or call. I am buying a house, trying to get a pre approve letter that is how I find out from my loan office told me. I need it to remove from my credit report.
Consumer complaint received 2018-04-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patenaude & Felix A Professional Corporation (CA)

On XX/XX/18 I piad a {$1500.00} debt over the phone to the law offices of Patenaude & Felix. 
My bank statement shows the same name and amount for the charge to my account On Wednesday XX/XX/18 someone attempted to sever a summons at my parents address in XXXX CA. My Father told him I do not live there and that I live in XXXX CA. The same person returned on Friday XX/XX/18. My father told him again I live in XXXX. The process serve left the papers on the porch and left. My father called to tell me about this. I went to get the papers and it is a Summons and that I am being sued by XXXX XXXX. The legal firm is the same Patenaude & Felix that I made my payment to on XX/XX/18. I have sent them 2 emails to the address on the paperwork. both were returned as bad email address. I sent them a email from the " contact us '' on their web site and have not had a reply. I have not called them because I want everything I writing from them.
Consumer complaint received 2018-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On the morning of XXXX XX/XX/2018 I attempted to use my Chase Bank debit card to purchase {$500.00} in cryptocurrency from XXXX, a U.S. based crypto currency exchange that practices KYC and reports large transactions to the IRS. The purchase was rejected and a subsequent Email from XXXX stated " When we attempted to process this transaction it was canceled by your bank. '' There was over {$600.00} in that checking account, so later on the XX/XX/XXXX I went to my Chase branch at XXXX XXXX XXXX, XXXX XXXX, CA XXXX and asked my Private Client Banker why I had been unable to use my funds to make the purchase. She made a phone call to find out and then explained that Chase Bank did not consider purchase of cryptocurrency to be a legitimate transaction and that rather than be involved in a scam involving their customer they would also refuse to honor an ACH payment for such purchases. I expressed my displeasure at not being allowed to legally use my funds as I saw fit, and she quoted Chase CEO XXXX XXXX on the evils of cryptocurrency and brought up an anecdote of a customer duped into financially supporting terrorism. Where does this interference in a customer 's legitimate access to their own deposited funds end? No purchases of liquor or guns or birth control or donations to the " wrong '' political party if the bank CEO so chooses? Thank you.
Consumer complaint received 2020-11-11
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. (TX)

I bought a XXXX on XXXX and finance it with XXXX. In XX/XX/XXXX I got really sick and was out of work for about a year. 
XXXX repossessed the car on XX/XX/XXXX and is reporting the vehicle was repo in XXXX. Also XXXX and the collection agency are both reporting the same information on credit bureaus with XXXX incorrect information. I have challenged them more than a few time but keep on getting the same answer from credit burous that information is accurate especially XXXX XXXX that doesnt help on anything.
Consumer complaint received 2020-06-28
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: Experian Information Solutions Inc. (PA)

I filed a dispute about a charge off that should have come off of my report, both online and by mail and both were dismissed as Experian has refused to investigate the matter. They investigated 1 claim in XX/XX/XXXX and updated the account incorrectly when I tried to dispute again they refuse to allow me to dispute this account at all in any way. The account was set to come off my record XX/XX/XXXX but has not been removed. It was then updated to not come off until XX/XX/XXXX that was the only thing that was updated the last payment remained the same and the account should have been removed but the company is refusing to investigate any claim at all. This leaves a charge off that I am no longer liable for on my account. It has been removed from XXXX  and is currently under dispute with XXXX   to also be removed. I would like the same consideration as everyone else. Why in two years will the bureau not investigate a charge off that needs to be removed?
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX Balance : {$27000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1700.00}
Consumer complaint received 2019-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE BANK USA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2018-07-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PNC Bank N.A. (VA)

This is in reference to my inquiry which I have discussed with CFPB contact XXXX XXXX a few months ago regarding my car loan. 

Inq # XXXX with XXXX I am faxing the original payment stub on monthly payment which should have been {$450.00}. 

However, PNC has been historically exploiting me adding extreme late charges adding first couple of years for an additional amount {$24.00} & subsequently {$36.00}. 

I have paid off all the payments last month on the original agreed contract amount but they have {$2300.00} on top of the penalties I paid monthly and not surrendering my title. 

Now, they are adding more compounded late charges on the amount which I shouldn't be even paying. 

I have contacted their executive office but they are arrogant and not being fair, instead they said CFPB can not interfere on their business or CFPB can not do anything on their business practices. 

I am attaching the payment stubs and evidence of dishonest penalty charges in the name of late charges. This bank has been practicing a cruel predatory lending by offering car dealers on bulk used auto loans from the dealers and changing like bait and switch style adding penalty charges. 

I request CFPB to review and take stern action against PNC bank 's penalty model that they use very dishonestly in order to generate revenue victimizing customers on loans offered for auto or others. 

Thank you and regards, XXXX XXXX XXXX ( XXXX ) XXXX XXXX
Consumer complaint received 2020-09-17
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. (WI)

On XX/XX/2020 I called XXXX XXXX XXXX XXXX office in regards to options for people who had experienced hardship due to COVID-19.  There was an automated message and prompts to apply for a forbearance. After following the prompts and completing my request for forbearance I was advised that there was no further action needed and that I would be receiving paperwork in the mail. The information given through the prompts put me under the impression that the forbearance would go into place effective immediately meaning XXXX. I never received the requested forbearance information in the mail. I was very surprised when a late payment was reported to credit and our credit scores plummeted 44 points. Again the call tree message did not state that a forbearance did not start until XXXX. Once I saw that my credit score dropped I immediately called on XX/XX/XXXX, made the XXXX payment and inquired on how I could get this late payment off of my credit report. The person I spoke to had no record of me calling on XX/XX/XXXX. 

I sent an email to request this be taken off of my credit report on XX/XX/XXXX to XXXX and followed up with more emails and phone calls. I got a response on XX/XX/XXXX stating " You say you inquired about going on a Forbearance on XX/XX/2020 through our automated system and you assumed the payment for XXXX would take into effect. It was the near the last of the month and unfortunately it could not include the month of XXXX because it was the end of the month. You will need to open contact the three credit bureaus, they will then do an investigation regarding this issue and will contact you with their results. We are sorry for any misunderstanding this may have caused you. '' I disputed this with the credit agencies and it has not been removed. I had not had any late payments with this mortgage for 2 years prior. Based upon that fact the phone prompts were misleading this negative report should be removed from my credit report because it is XXXX XXXX XXXX XXXX responsibility to provide correct information so that customers can correspondingly make correct decisions.
Consumer complaint received 2017-08-04
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (MO)

Complaint XXXX, Navient stated in their resolution that they would not contact me via auto dialer but did so again on XX/XX/XXXX at XXXX XXXX. Also request from validation was made and has not been full-filled. Company threatens via mailings to place negative reports on credit report during validation/investigation process all violations of CFPB.
Consumer complaint received 2022-04-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have requested mortgage assistance due to ( salary reduction due to COVID impacts ) and completed all required paperwork. The mortgage servicer has continually requested documents that we have already provided even though we have had verbal insurances that all of our documentation was correct. The servicer eventually stopped accepting mortgage payments, although we have continued to submit documents and to get assistance. The mortgage servicer 's rejection of our application was based on erroneous information, or false information ( for instance, the mortgage servicer stated that we did not qualify for a repayment plan because we " did not submit sufficient financial information to determine if our income could support the proposed payment ''. This is not true. We repeatedly all of the information that was requested. Based on these and other errors, we appealed the denial. We were then told to resubmit a request for payment assistance. We would just like to get this resolved, but we feel as though we are getting the run around.
Consumer complaint received 2022-01-07
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: 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/XXXX. And now we are in the month of XX/XX/XXXX 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. UPDATE OR REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX