davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In XX/XX/ 2018 I sent letters to XXXX, Transunion, XXXX and XXXX XXXX asking for proper verification of a two bankruptcies that on my credit reports. None these companies were unable to provide direct verification from the bankruptcy court of XXXX Ohio. I have a letter from the bankruptcy court stating they don't provide information directly to credit reporting agencies. In fact XXXX  states on it dispute reports that they use XXXX which is a third party to verify this information. Outside of getting dispute results reports back none of these companies have sent me how exactly they are verifying this information that is on my credit report. I have asked several times and they are unable or unwilling to provide additional information.
Consumer complaint received 2017-02-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: DISCOVER BANK (TN)

XXXX of the loans discover purchased in XXXX was never reported to my credit until XXXX XXXX. Also in XXXX XXXX I requested a debt verification per the law because of this discrepancy- they never responded or provided this to me which is a violation of law! They claim they never received it but I have proof of delivery certified receipt and tracking online that proves it was delivered to the address listed on the account. I have yet to receive any debt validation.
Consumer complaint received 2017-02-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

In XXXX 2016, SPS Select Portfolio Servicing sent out modification paperwork to be completed. My father filled out the forms the first time and when he called back to make sure it was received they told him it was wrong and had to resend. I stepped in to assist my father. I asked to speak to a supervisor so I can get the accurate information on how to fill out this modification form. Since then we have been advised to redo the paperwork or that there is missing documents ( they never told us that we need it ). After seven times of redo the paperwork, the bank sends a letter that we need to redo the modification. For the past 4 months we have done everything the bank needed from us and asked to speak to a supervisors multiple times but no one can give us a definite answer. No one knows anything and their is no one higher than the supervisors, which are useless. Our payments are high but we pay on time every month. we are asking for this modification to help us with the monthly payments that is all we are asking for. I feel like the bank is not trying to help us at all.
Consumer complaint received 2020-10-18
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. (PA)

A bankruptcy has to be reported to the 3 credit bureaus by the actual clerk of courts, Ive already confirmed by the clerk himself that he did NOT report it to the bureaus, it was in fact, XXXX XXXX ( a third party reporting agency that is paid to do so ) that reported it. This puts the credit bureaus in violation of the Fair Credit Reporting Act
Consumer complaint received 2020-09-10
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: EQUIFAX, INC. (NY)

Recently I forward a complaint on XX/XX/XXXX, file # XXXX with XXXX with regards to a charged off account with XXXX XXXX  XXXX furniture store. I closed my account on XX/XX/XXXX w /  XXXX XXXX XXXX because after they negated to replaced my defective sofa bed after they stated they would. XXXX XXXX XXXX purposelessly kept my account active past the 180 days through 515 days before the account was finally charged off on XX/XX/XXXX. XXXX XXXX XXXX erroneously have me making a payment on XX/XX/XXXX, 5 years after authorizing my account to be closed and advising them that no payments would be made, because of their refusal to replaced a defective purchased sofa bed. They willfully kept the account active and changed the date the account was supposed be removed removed my credit report from XX/XX/XXXX to XX/XX/XXXX. XXXX was completely incompetent in conducting  thorough investigation. The inaccurate information given by XXXX XXXX XXXX is what XXXX updated without any further  inquiries. I sincerely would appreciated if the CFPB would seriously investigate this matter completely mishandled and overlooked by XXXX. 
On XX/XX/XXXX my original complaint # XXXX - XXXX regarding my account # XXXX with XXXX XXXX XXXX was received by CFPB. On XX/XX/XXXX XXXX XXXX XXXX resolved my complaint by removing the account from my Transunion report, but unfortunately the account currently remains active on both Equifax and XXXX reports. A dispute was initiated with XXXX / Report # XXXX on XX/XX/XXXX and with Equifax requesting the removal of my XXXX XXXX XXXX account from the credit report after advising them XXXX deleted the account from my credit report, XXXX and Equifax continues to overlooked my complaint without further inquiring with XXXX XXXX XXXX to confirmed the removal of my account with XXXX on XX/XX/XXXX. 
I kindly request the CFPB to further investigate my complaint and as to why XXXX and Equifax continued to have my XXXX XXXX XXXX closed account on filed without any legal reason to do so. Respectfully, Mr . XXXX XXXX
Consumer complaint received 2019-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (MI)

There's a collection showing on my credit in the amount of {$2500.00} and original creditor was XXXX XXXX. The collection company is receivables Performance who were rude and not helpful when I called. My name is common and I have never had an account with XXXX which they acknowledge. The collection agency won't listen to me and aren't willing to investigate it with XXXX, they just want their money. I don't owe this money and I really am upset because this is ruining my credit. I disputed through the bureaus and they haven't responded so I am hoping that your institution will take action in my defense. 

Thanks XXXX XXXX XXXX
Consumer complaint received 2015-07-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (OR)

My boyfriend and I were denied for an apartment application because there has been a false claim made on both of our credit reports indicating that we owe {$680.00} to XXXX XXXX Apartments. This information is false because a ) we have paid off the last of our rent and b ) we never collected our {$500.00} deposit. And when we left there was nothing in writing given to us by XXXX XXXX Apartments stating there was a remaining balance due. So with this going on we have now become XXXX step closer to becoming homeless because of this false claim. And when we went to investigate the claim XXXX credit reporting companies have no record of this claim and when we finally called Experian Credit Reporting, we could n't get a hold of an operator for hours of retrying and retrying different selections in the call menu. So now here we are and this complaint is going out on both XXXX XXXX Apartments and Experian Credit Reporting.
Consumer complaint received 2022-09-04
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. (IL)

XX/XX/2021, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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 2023-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Atlanticus Services Corporation (AZ)

Received a pre-selected offer via US Mail from Aspire Credit Card ( Bank issuer is XXXX XXXX XXXX ). It said in bold letters under " A More Rewarding Card '' that it will have NO ANNUAL FEE, Plus earn 3 % Cash back which made it enticing for me to apply. After I applied through their instruction I was approved for {$1000.00} Credit limit but I would have to pay {$170.00} Annual Fee and a Maintenance fee of $ XXXX. I think this is misleading because that is the only reason why I applied for the card to begin with. And the disclosure did not mention anything about this in their terms from what I read.
Consumer complaint received 2024-04-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (NM)

I opened a Chase Total checking account on XX/XX/24 using a promotional email sent by Chase that contained the promotional offer of earning {$300.00} once the account was opened and direct deposit was established. I applied using the link contained in the email, which stated, " Coupon code applied when you click 'Open an account '. '' I clicked the link and saw that the coupon code was attached to the application when filling out the fields. I completed the form, was approved for the checking account, set up direct deposit, was paid 2 weeks later, but never recieved the bonus. 

I decided to follow up with Chase on XX/XX/24 to check the bonus status, but after providing the promotional email and coupon code, Chase told me there was no record of the coupon code being applied to my application and that they can not retroactively apply the coupon 21 days beyond the account opening date. I pushed back, stating that I followed their terms and conditions and that there isn't a way for me to validate one whether or not the code was indeed attached to the application ( since I do not have access to Chase 's application data ) and that according to my research from others with this problem, they were able to get the code retroactively applied to their application within 30 days of account opening. Currently, I'm still waiting on an update from their review, but the 30 day mark is rapidly approaching, and I do not want Chase to " stall '' the fix until 30 days pass.
Consumer complaint received 2017-02-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Pulled a copy of my online credit report and found that my delinquent accounts are being reported beyond the 7 year reporting time as allowed by the FCRA. 
XXXX XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2017-03-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

customer service would not help and take care of the negative inquiries reporting to my credit report in which was caused by a glitch in trans union system. I was victim of their " inquiry issue '' and they have still yet to fix the problem which was caused by their end. 

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Consumer complaint received 2015-05-02
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BANK OF THE WEST (PA)

I have had several phone calls rom bank of the west, concerning missed l loanloan payments.after several calls and going over the same reasons why I stoped paymentstoped payments.I agreed to voluntary reprosession of said vehicle. As Ionly had the vehicle in my position for aproxmatly 3 weeks since XX/XX/XXXX to date. Bank of the west said they were taking the vehicleto auction and selling. I have never ben advised of when where or howmuch it was sold for. I have received nothing in writing.My credit report said the account was closed and paid in full. 
Now since XX/XX/XXXX I have received XXXX phone calls from someone who says they oursays they our collection agency.Asking for my social security and address .I told them if they our from the Bank of The West they should have that infoinfo.I felt it was a scam and hungup. I have received no written noticesince being contacted in XX/XX/XXXX by Bank of the West for a latepayment and advising of voluntary Reprossion.
Consumer complaint received 2015-03-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Revenue Recovery Bureau (Closed) (CA)

After an emergency room visit, the hospital sent the wrong billing codes to my insurance. This was clarified to the billing department at the hospital and they promised to amend. They never did and sent this as debt to a collection agency. After discussions with my insurance, the insurance decided to pay me directly for the amount and I subsequently sent payment to the collection agency. I then received an invoice from the hospital showing I owed {$0.00}. Two weeks later I get another letter from the collection agency to collect what appears to be the same debt under a different account number.
Consumer complaint received 2015-05-30
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (CA)

Continual Calls from XXXX customer service/Debt collection XXXX XXXX and XXXX XXXX. When told to stop the calls and contact via mail only, they place on hold or say they ca n't hear you. then disconnect and repeat.
Consumer complaint received 2024-04-23
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Shellpoint Partners, LLC (WA)

Contacted XXXX  customer service to request a partial release of the collateral on my loan. ( There are 2 lots/parcels on the same loan, selling one ) XX/XX/XXXX - received partial release forms XX/XX/XXXX - returned partial release forms. As XX/XX/XXXX, there has been no response. 
XX/XX/XXXX - called customer service, they had no visibility into the partial release department but asked me to be patient and wait. 
[ insert XXXXXXXX XXXX XXXX XXXX ] XX/XX/XXXX - unable to log in to website account or connect to a phone customer service agent. Automated system hangs up on me and the website gives a generic 'ca n't log in " error. There is no pathway to communicate this to anyone at the company. 
XX/XX/XXXX - Still no response and now no way to communicate with the company. Their failure to service my request in a timely fashion could have negative financial consequences for me, and I am growing increasingly anxious and frustrated there is no way to get a response from my lender.
Consumer complaint received 2023-03-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

The company stated that they verified the inaccuracy with the furnisher however attached is proof from the actual furnisher stating that they have not and never verified with any credit bureau, so the response statement given in case XXXX is fraudulent.
Consumer complaint received 2017-03-20
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I called CapitalOne to cancel or change my credit card from the current card I have with an annual fee to one with no fee. The fee was on my last statement as anniversary date for the card is around now. They offered to switch me to a no fee card but said they needed to check if the annual fee would automatically credit back to my account. 

After a long hold, they said the annual fee would not be credited back automatically and they would not credit it, period. 

They demanded that I still pay the annual fee since they had already " billed '' it. It was on my last statement and another representative had already told me as long as it was within 30 days, it would not be charged. 

A supervisor told me they would not " waive '' the annual fee. I explained I was not asking for a waiver. I wanted the no fee card and they still refused, saying I could switch cards, but since the fee was already billed, they would make me pay the annual whether I switched cards to a no fee cards or canceled.
Consumer complaint received 2024-04-23
Product: Credit reporting 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: LEXISNEXIS (MO)

I am submiting a formal complaint against LexisNexis XXXX XXXX XXXX XXXX because they have not provided my requested consumer file they hold about my personal data, despite initially providing a URL and password that do not allow access. 

On XX/XX/2024, I submitted a request to LexisNexis XXXX XXXX XXXX by certified mail requesting my consumer information they have on file for me. On XX/XX/2024 this request was received by certified mail. In response, I received a URL and a password from LexisNexis XXXX XXXX XXXX by mail purportedly granting access to my information. However, upon attempting to use the provided credentials, I discovered that the information didnt work, preventing me from accessing the requested information. 

Furthermore, despite my efforts of contacting LexisNexis XXXX XXXX XXXX to resolve this issue of requesting my consumer report and being told my consumer report would arrive within 7-10 days, I have not received any response from them. This lack of communication and failure to provide a working solution has left me unable to obtain the consumer information to which I am entitled under the law.
Consumer complaint received 2023-03-25
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: EQUIFAX, INC. (TX)

XXXX continues to report an account on equifax that was removed from XXXX and XXXX. This account is old and over 7 years from first delinquency. Why is this account still on equifax and has not been on XXXX  for over 2 years. It was removed from XXXX in XXXX. I have sent 609 letters to equifax requesting all information including the original contract with my signature. I have 2 accounts with XXXX  the old charge off is the one that needs to be removed.
Consumer complaint received 2016-03-08
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Wilber and Associates, P.C. (OH)

Call Wilber & Assc to make paymnt arrgmnt on a debt wth XXXX XXXX to cont. wth XXXX agreement/ the rep wth Wilber never vefy who I was or this is a communivcation from a debt collector. refused to take a paymnt, refused any agreement, refused to let me tt a supervisor for a complaint, I called 2x and XXXX never vefy or gave discloser told me he did n't have to obey FDCP and for me to not call again, and hu on my for the 2nd time
Consumer complaint received 2016-11-10
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Second Round Limited Partnership, Austin, TX Branch (FL)

Called about new collection account on my report asked for verification /proof of debt and related documentation was told they do n't have to provide it original creditor probably would n't have it due to age of credit. Debt is bought in blocks not individually. Demanded collection. E removed from my report