davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-21
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)

I am in total disgust, distressed and livid at the fact that your company is reporting an error on my credit file. Ive sent 10 certified letters in for this account alone. I believe that this account is reporting fraudulently whether your company is placing it or whomever. This is my final letter to remove this account off of my credit file immediately and permanently. I am allowing 72 hours for the investigation of this account, and I am demanding that this error/fraudulent account is removed. I will be following up within a few days. I have attached a few documents. After your response I will be taking legal actions upon your company for placing errors on my account. I am a victim of identity theft and my file has been tampered with. Your company is the reason for weird accounts reporting on my credit file.
Consumer complaint received 2018-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (HI)

XX/XX/XXXX : I mailed the proper Roundpoint ( RP ) form to request having my PMI ( Private Mortgage Insurance ) removed. I spoke with RP and they contacted a local appraiser here in Hawaii. 
XX/XX/XXXX : The appraisal was done. 
XX/XX/XXXX : Spoke to XXXX at RP ; I hadn't heard from RP, so called them. I was told over the phone : " it is in process, someone will contact you soon. '' I asked how I would be contacted- RP said via my cell or email or a letter. 
XX/XX/XXXX : I phoned the local appraiser to see if the delay was on their part- it was not. The appraiser had the report ready to submit when someone from RP had called them and " cancelled '' the appraisal. 
I phoned RP and spoke with XXXX. I wanted to find out why the appraisal was cancelled. I was told there was a note on my file that said : " unable to make contact with homeowner, so cancelled. '' I never received a phone call, email or letter from RP. 
XXXX, the RP person said she would initiate the paper to " re-instate '' the appraisal, and that someone would be contacting the appraiser and asking them to submit it. I was told someone would make contact with me in 48-72 hrs. 
XX/XX/XXXX : Phoned RP and spoke with XXXX. AGAIN, I was told she could see all the notes on my file and she didn't understand why it had not gone through yet. While she was on the phone with me she said she was typing the request to get the appraisal that was done on XX/XX/XXXX submitted to RP. AGAIN, I was told someone from RP would contact me in 48-72 hrs with an update. 
XX/XX/XXXX : I phoned RP and spoke with XXXX. She was nice, sounded young, could see all the notes on my file, but couldn't answer why the request was in limbo, and why the appraisal report was not " uploaded '' to my file yet. I asked to speak with the person responsible for reviewing my PMI-removal request. I was told that person was " not at her desk ''. I asked XXXX to leave her a msg- she said she would. I next asked to speak to a supervisor ; I was nice about it- told XXXX I wasn't mad at her, but at the treatment RP was giving me. XXXX 's supervisor 's name is XXXX and XXXX said he, also, was not at his desk so she couldn't transfer me. I asked her to leave XXXX a message that I would like a phone call from him within 24 hrs. I also asked XXXX to put into my file that I was going to contact CFPB. 
Hopefully you can help me. I am retired and the PMI amount would help me monthly. I have done my due diligence and my house has gone up enough in the past 15 mos, so that shouldn't be an issue. 
Thank you for your time.
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Porania, LLC (TX)

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection XXXX XXXX Bankruptcy. The status is reporting late. I find that strange since I don't recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureau to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies. Doesn't this go against the FCRA Laws?
Consumer complaint received 2019-03-18
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX and Transunion are reporting me 30 plus days late on XXXX - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. It is impossible to be 30 plus days past due on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. I have contacted the two bureaus to fix this.
Consumer complaint received 2020-01-28
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)

XXXX XXXX XXXX XXXX # XXXX is reporting an account to my credit that should no longer be on there. This is past the Statute of Limitations in California and I no longer owe this debt, I also had a class action lawsuit against XXXX XXXX XXXX XXXX and they should not be reporting an account to my credit report any longer. I would like this removed off of my credit report immediately.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2020-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. ()

dear cfpb, i filed a complaint to cfpb last year on citibank regarding my funds in checking account for {$1500.00} but you forwarded this complaint to citibank. inturn, citibank executive response unit ( mr. XXXX XXXX ) responded that they escheated the funds to treasurer of south dakota. i filed the claim and kept waiting. in the mean time i was deported from XXXX to XXXX. 

from here, when i emailed the treasurer, he states there is no property escheated by citibank in my name and specifically this property number XXXX kindly look into this matter. if there is an option to attach files, i will attach the copy of citibank letter which shows the property number and the amount. and i will also attach the emails of treasurer. 
please help, i appreciate XXXX XXXX ss # XXXX dob XX/XX/1971 ca drivers lic # XXXX current mailing address : XXXX XXXX XXXX , XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX cell : ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2018-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (FL)

Case Number XXXX RE : PAYPAL XXXX Transaction Date : XX/XX/2017 Disputed Amount : {$460.00} XXXX XXXX has closed my dispute case and refused to credit my account for a purchase that was knowingly fraudulent/dishonest by the seller. As evidenced in the attachments submitted, the merchant agreed that the seller was to issue a refund - however, the seller refused and I was never even given an opportunity to return the item ( see XXXX Item/Sale pages ). In the end, the item also turned out to be defective ( see XXXX letter of second opinion ). The evidence was submitted during the initial dispute entry ; XXXX XXXX dragged their feet on the matter and stated not enough evidence was provided in a timely manner, which is false and completely unacceptable. Please review as this is my final attempt to make things right. If a resolution ( in the form of a refund ) is made, my wife and I will be eliminating use of all of our XXXX XXXX cards, closing our Money Market account and transferring our funds to our credit union account.
Consumer complaint received 2024-02-28
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: EQUIFAX, INC. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2021-11-19
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. (IN)

I have continued to demand and dispute account # XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX with the credit reporting agencies Transunion XXXX XXXX XXXX and I have asked for proof of the contract signed by me as well as the purchase agreement. The above debt collection company has only sent a itemization from their on database. On both credit reports it shows a balance of {$730.00}. No original credit limit. I have never had or ever been offered a card with a uneven credit limit. This amount is not accurate and is more of a nonsense unfactual amount. It is the responsibility of all the reporting agencies to report 100 percent accurate information. They are not doing this and this is causing me financial hardship and stress for me and my family at a time when the whole world is in turmoil. These reporting agencies have continued to allow XXXX XXXX XXXX XXXX XXXX bully me by changing up information on my reports such as recent 30 to 120 day late updates on my file to further damage my reputation. I have disputed these these facts with the company and the credit reporting agencies XXXX, Transunion. They are allowing this company to use unfair reporting tactics and I know that if they really did a full proper investigation they would find that I have no contract with this company and they can not show me how I they came up with a alleged amount of {$730.00}.
Consumer complaint received 2018-02-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

My three year Nissan lease expires next month. I have been informed by Nissan NMAC that I must pay : - {$390.00} for a Disposition Fee - {$230.00} Excess wear for three small scratches ( two are on the hubcaps ) The Disposition fee was never disclosed while at the dealership when I signed the lease.

The fee for three small scratches is exhorbitent. It is impossible to drive a car in the XXXX XXXX for three years and not get a scratch on it.

These hidden fees are abusive. Attached is the correspondance I have had with Nissan NMAc to resolve this matter. I would welcome any assistance you can provide me. 

Thanks, XXXX XXXX XXXX
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute is listed below : Placed for collection:XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, PA XXXX Loan Type : DEBT BUYER **This company is reporting on my credit report that I reaffirmed this debt. This is incorrect and they are violating HIPPA rights with this misinformation.

Placed for collection:XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX This company is reporting that this account is correct and is not consistently reported across the three credit reports. This debt is incorrect and needs to be removed. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. Please Delete Telephone numbers that do not belong to me as well.
Consumer complaint received 2022-05-01
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. (PA)

Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are listed below. I am a victim of identity theft and did not make the charge. I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit Please delete the items as soon as possible. 

Fraudulent accounts Date Discovered : XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX When Account Was Open : XX/XX/XXXX Account Balance : {$140.00} Date Discovered : XX/XX/XXXX Account Number : XXXX Account Name : XXXX  XXXX When Account Was Open : XX/XX/XXXX Account Balance : {$93.00} Fraudulent XXXX  Inquires Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2018-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX a check was deposited to my account of the total amount {$24000.00}, the check was altered from the total of {$420.00}. Chase pay the check! I was away out of the country at that time and didnt realize what was going on but upon my return the first thing I did was to contact Chase. Chase at first was all helpful and nice, grant you when I finally look at my statement was already XXXX to be more exact was XX/XX/XXXX when I called To file a claim for fraud. Never had a problem none of the representatives I talked or much less the banker i spoke to notified me about any special rules or any special time frames for dollar amounts for a claim to be accepted. So chase representative instructed me to go to a local branch fill it up and affidavit get it notarized with the banker and sent all the originals to XXXX Ohio and I had so I did it. Reminded you that at no time no representative no banker has told me anything about any special rules of time frames what dollar amount for this claim to be excepted. I sent all the documents via express mail to XXXX Ohio it was delivered and received, I called to follow up with the claims department and they said that the claim was closed because they didnt receive the document sometime but they would they would do XXXX this time and reopen claim, this was already XX/XX/XXXX, from this point on I called every other day just to check if the claim is still open, representative after representative guaranteed that everything was fine with the claim that it could take up to 90 days for the claim to process fast forward to XX/XX/XXXX week after week me calling in the guarantee that the claim was open and processing this time around was different the representative just said oh Im sorry but your claim is closed, angrily I just hang up the phone call again in another representative told me that the The claim The claim is closed due to excessive amount that Chase can not pursue any claims above {$10000.00}, angrily again I hang up the phone called again different representative this time around was different the representative explained to me that my claim was closed due to timeframe because of all claims should be filed within 35 days from the statement date. Angrily again I hang up I called again and the third representative answered and give me another explanation think that they never received any documentation and time that was the reason why the claim is closed. Because dissing him responsible actions of cheese of dismissing and deceiving me as a customer I did not take any Any further action with such a huge loss of {$24000.00}. Chase defraud me deceive me and cause a huge financial loss for me and I need a resolution I want to resolution before I take any further legal action please help me
Consumer complaint received 2018-02-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (AL)

On XX/XX/2018 I disputed the validity of a information being reported on my credit XXXX XXXX file from Professional Bureau of C stating that I still owe {$5700.00} on a Auto Loan owned with XXXX XXXX XXXX. This information is incorrect and I do not still owe either company because the account was paid in full through by bankruptcy filings. I would like this negative information removed immediately from my XXXX credit file as it is negatively affecting my credit and my ability to purchase a new vehicle
Consumer complaint received 2018-03-06
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: JPMORGAN CHASE & CO. (CA)

hi, i just apple for a chase freedom credit card on XX/XX/XXXX. because i saw my XXXX XXXX  list that i will get approval for a chase freedom card. then on XX/XX/XXXX i receive an HARD INQUIRIES on my credit report. can you please help me remove HARD INQUIRIES on my credit report.
Consumer complaint received 2021-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery is reporting a collection account # XXXX in the amount of {$1300.00} due for XXXX XXXX that is no longer collectible because this account was marked as a chargeoff/write off. When I contacted XXXX XXXX in 2019, they advised me that this account is no longer due and have been written off. They had no information of this account being transferred to Portfolio Recovery. I was unaware I could dispute this account until late 2019, also I requested information from Portfolio Recovery showing the agreement between XXXX XXXX  transferring this account to their office and the collectible amount if owed. I have yet to receive this information as of today. I '' m requesting CFPB assistance to clear this inaccurate information from all three credit bureaus ( XXXX, XXXX, and XXXX ).
Consumer complaint received 2019-06-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL (IN)

I received a letter dtd XXXX XX/XX/2019 from PayPal Credit, Synchrony Bank c/o XXXX XXXX XXXX XXXX, indicating that an account had been initiated in my name, and said letter explained the terms of said account. However, I never requested a PayPal Credit line, and when I log onto my PayPal, no indication of a PayPal credit account is shown. On XXXX XXXX, I wrote a letter to PayPal Credit ... .and indicated that I had not requested nor did I want such an account. I also requested information on any monies activity associated with said account. I received no response from the company so I initiated a 2nd letter, again requesting termination of said account and information on money activity. On the XXXX of XX/XX/2019 I received a response indicating they had initiated an investigation and frozen the account, and would get back to me after the investigation. However, they did not terminate the account nor advise me of any money activity, or explain why they didn't comply with either of my requests. Tomorrow, I'm sending a 3rd letter indicating that their actions were unacceptable, and that I was contacting the CEOs of PayPal, and Synchrony Bank, your organization, and our local Sheriff 's Department.
Consumer complaint received 2022-11-19
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: Experian Information Solutions Inc. (TN)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE