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. (TX)

On XX/XX/XXXX, I sent out letters to TransUnion, XXXX and XXXX through certified mail in regards to these XXXX accounts that I felt did not belong on my credit report : 1. XXXX  XXXX/XXXX  ( Account # XXXX ) Reported Date Opened : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX 2. XXXX XXXX ( Account # XXXX ) Reported Date Opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX 3. XXXX XXXX ( Account # XXXX ) Reported Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX 4. XXXXXXXX  ( XXXX ) Reported Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, OR XXXX 5 . XXXX XXXX  ( Account # XXXX ) Reported Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) XXXX 6. XXXX XXXX  XXXX ( XXXX ) Reported Date Opened : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX ) XXXX It is to my understanding and under the provisions of the Fair Credit Reporting Act that these three bureaus have 30 days to complete a sound investigation of my disputes and in that time, must temporarily remove those accounts from my credit report as well as mail out to be copies of my credit report respectively. It has been well over the 30 days since those letters were received and there have been absolutely no updates to my disputes. There was no sound investigation completed, no letter mailed to me with any decision, no contact by phone or contact in any way shape or form in regards to the temporary and final deletion of these accounts. I was never mailed copies of my credit report as requested in these letters, and still have not heard back from those three credit bureaus. It is no longer the time now for a reinvestigation. I want these accounts removed immediately from my credit report or I will take further legal action. I have a right to privacy and a right to a true and accurate credit report. This is causing damages to my report and preventing me from getting fair credit deals and rebuilding my credit. 

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
Consumer complaint received 2022-04-29
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. (PA)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXX  XXXX XXXX  Account Number : XXXX
Consumer complaint received 2022-04-29
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: EQUIFAX, INC. (FL)

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. 
XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX Has violated my rights. 
XXXX XXXX BANK 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 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 2021-05-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

On XXXX XX/XX/XXXX I purchased a house on XXXX XXXX XXXX, XXXX XXXX, VT XXXX. The previous owners were XXXX and XXXX XXXX and their mortgage company was XXXX XXXX XXXX XXXX XXXX XXXX acquired by Chase in XXXX ) and XXXX failed to properly discharge the XXXX mortgage with the Town of XXXX, VT. I'm currently in the middle of trying to sell my house and the buyers title search company discovered the error. I'm currently out almost {$10000.00} dollars trying to correct this error. I need some assistance in getting Chase to properly discharge this mortgage so I can continue with the closing. I currently live in XXXX Texas and trying to support two house holds.
Consumer complaint received 2022-08-10
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. (IL)

Because of the incorrect information that Equifax allowed to send lenders there actions has caused me harm. They keep furnishing incorrect information on my report. Pursuant to 15 U.S. Code 1681- " Congressional Findings '' I as the consumer have the right to privacy.
Consumer complaint received 2020-11-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (NJ)

Allied Collection Service was sold my account, a {$140.00} debt from XXXX ... This debt was originally paid, and then I disputed it with XXXX  XXXX XXXX XXXX XXXX was paid through XXXX  XXXX XXXX and I won the dispute ... I promptly cancelled my XXXX account ... Unbeknownst to me, XXXX sold my account and it's phantom debt to Allied Collection Service. Allied Collection Service, without any notification to me, then put a derogatory mark on my credit. I disputed that and I also won, and the debt was removed from my account ... Allied Collection Service then sold my account to another debt collector who marked my credit, which is another fight
Consumer complaint received 2019-03-15
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: SYNCHRONY FINANCIAL (MD)

The company I complaining about is a Clothing company called " Belk ''! I contacted them directly and told them I saw a Inquiry on my Credit Report that did not belong on my report? Dated XX/XX/2019! They asked for my SSI number? And when I gave it to them they told me that they didn't have me in there file and did not know anything about me or who I was? Can you please have them remove this Inquiry please? I saw the Inquiry on my XXXX file? Thank you
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-15
Product: Credit reporting 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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (NY)

Fraudulent usage of card was detected, 5 XXXX reservations on the same day were made without my consent, it was not removed and was fully charged on Amex card. 

Amex will not consider settlement or fraudulent investigation and re opened the bill which might lower my credit score again.

Please help stopping my credit score becoming lower.
Consumer complaint received 2022-04-29
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account XXXX has violated my rights. 

15 US Code 1681 Section 602 States I have the right to privacy.

15US Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Section US Code 623 ( s ) ( 5 ) : 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 month and year of the commencement of the delinquency on the account that immediately preceded the action.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

Equifax should not be reporting that I am ( 120 ) days late on the DEPTED/XXXX partial account numbers XXXX ; XXXX ; and XXXX. Equifax should not be reporting that I am ( 120 ) days late on partial account numbers XXXX and XXXX ; XXXX and XXXX ; XXXX  should not be reporting that I am ( 120 ) days late on partial account number XXXX. ( Please see pages attached from my credit report. ) ALL of these accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to late on any account that has a {$0.00} balance due. This false reporting of lates is seriously harming my credit score and need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.
Consumer complaint received 2022-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (UT)

Back in XXXX, UWM erroneously and without warning began charging me double in mortgage payments. Turns out they inappropriately assessed my taxes. I had to file an email complaint with them to get it fixed but they did not fix it at first. I had to make several calls to get them to fix the tax assessment. That error stopped the auto payment. When I got put back on auto pay there system would randomly stop auto deduction every month causing a delay in payment. Rather than fix the problem, they charged me late fees. I called them yesterday and told them about it and they said they figured it out and it and fixed it but I don't believe them. They also told me that they could not reverse the late charge. 
They also have my mailing address incorrect. It's missing the unit number.. I want them to reverse the charge because of their errors in their website and their administration my account was charged late fees. I want them reversed.
Consumer complaint received 2021-01-29
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. (DE)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2022-01-11
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. (FL)

I sent letters about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary stress. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately removed from my credit report.
Consumer complaint received 2021-08-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

HI IVE BEEN TRYING TO SUBMIT DOCS TO THE 3 CRAs and have not gotten anything done. I have not been able to rectify the errors on my consumer report and I need help with this, thanks
Consumer complaint received 2018-02-07
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

This company has rejected many of my disputes that I had with debt collectors on my report. I was able to remove all of the ones that was originally rejected by the reporting agency because the debt collector was not able to validate account. 

I thought that the credit beau, of all people, would validate the account when disputed, but they do not. They just always assume that the debt collector is right with no challenges. 

I was able to do it, why wasn't the credit reporting agency able to do this when i disputed? This is what they are suppose to do, right? In most disputes i would get a generic response saying that the debt has been verified and is a true debt and they leave it on my credit report with no explanation as to how they came to that conclusion or why. 

Some of the debt collectors that i successful removed from the credit report is as follows : 1 ) XXXX  county court 2 ) XXXX XXXX XXXX  3 ) XXXX XXXX 4 ) XXXX XXXX XXXX  4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX XXXX 7 ) XXXX XXXX XXXX XXXX XXXX XXXX

8 ) XXXX XXXX XXXX XXXX XXXX  
9 ) XXXX XXXX Collections Department 10 ) XXXX XXXX XXXX I am working on a couple now as we speak.

NONE of these should have ever been placed on my credit report so that means that you do not validate the claims prior to posting them like you are suppose to.

I plan to sue this Company for damages to my credit, punitive damages and fraud.
Consumer complaint received 2022-04-29
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: Resurgent Capital Services L.P. (AR)

In accordance with fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1668B : A creditor may treat a payment on a credit card account under a open end consumer credit plan as late for an purpose
Consumer complaint received 2022-04-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Went to open account and was told I owe citizens bank that I never opened account number XXXX I contacted citizens and was directed to check systems who I called and told me to put a dispute in I did and called to get my report no one wants to give me info
Consumer complaint received 2022-04-29
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. (CA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2023-04-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (CA)

Im XXXX XXXX my address is XXXX XXXX XXXX, XXXX CA XXXX. Im was on a deferral for long term XXXX for 11 months and started experiencing long term XXXX XXXX worse and My mortgage company says I can only have one more month for a total of 12 months under the program I requested 18 months I started my deferral before the deadline. They refused. I need your assistance. I have long term XXXX Im sick from it. Forbearance. 

Thank you XXXX XXXX
Consumer complaint received 2022-01-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Payfare International Inc. (CO)

On XX/XX/XXXX I completed a XXXX  and an automatic payment of XXXX should have been posted to my account. 
They added the payment but did not credit my account. 
I only recieved payment for a XXXX  after which brought me up to XXXX. 
They have stolen my money and I have tried contacting them, there is no answer and no support on the phone.
Consumer complaint received 2019-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (PA)

I was scammed out of {$4800.00}. There are people pretending to be employers. They are on indeed imposing people who are not aware of scams. There were plenty of times my bank could have informed me, but instead they decided to send me out a letter dated the time and date the transaction went through. They say in the letter we are holding your check due possibly no payment. That letter would have not gotten to me until the XXXX, which to me is no safety For what happened. Also, I reached out to XXXX where I sent the orders through, to cancel the shipment & return to sender. I advised of the scam to both XXXX & my bank. XXXX still released the package to the imposed scammer. Some people are not aware of scams. Especially if youve never been scammed before. My bank keeps telling me that I authorize the transaction even though I didnt. Had my bank told me that the check was fraudulent right then and there, would have prevented this whole altercation. There are many people who are getting scammed and it seems like there is no way of recovery. I have proof for every thing that has happened. And just want to resolve this to the best way possible.
Consumer complaint received 2019-11-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

This is now the 3rd time I'm trying to correct this issue. 1st time in writing to which they said they need more time. 2nd time through the cfpb website due to them taking too long to respond and now this is the 3rd time. They can not prove I owe {$2000.00} and have not given any proof at all. Nothing with my signature or anything. It was opened up online is all they can give me with an address but that does not prove 100 % accuracy is being provided. I need more the some statements as my credit is my life. Now the want me to refer to a lawyer 's office for payment when the account isn't mine.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

My personal information was stolen unknow to my knowledge it was being used to take credit card debts and all other sorts of credits that went unpaid, and become collections that caused my credit rating to be driven down to the low and lower, not until i look check my credit to find why i was getting denied i realized the ongoing collection accounts. 
I am hoping doing this i can get some help to get my credit rating up.
Consumer complaint received 2018-02-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MA)

I tried with Ocwen to get assistance but kept getting denied. My husband I eventually had to file bankruptcy with a bankruptcy attorney. On XX/XX/XXXX we filed. It put a hold on our auction. We received a new date of XX/XX/XXXX. But our bankruptcy discharge wasn’t until XX/XX/XXXX. The week of XXXX  we went to meet the bankruptcy trustee. No creditors attended. After that meeting we received another letter saying our auction was going to be XX/XX/XXXX. Now it took until XX/XX/XXXX to get the discharge. I contacted the bankruptcy div of Ocwen on the XX/XX/XXXX. The auction was on hold. By Monday when they received the concent by my attorney. It was off. Hold and we now only have less that 2 weeks. Shouldn’t we have received 30 days. They need that much for the loan mod paperwork. That’s all I want is 30 days.