davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-02
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. (FL)

request for " Description of the procedures of re-investigation '' was received by Transunion on XX/XX/2022 for several accounts currently showing on my consumer report. Re-investigation by federal law are to be completed within XXXX days. I do not give consent to extend this time. in addition my Full Transunion File was requested Not completing both request is a violation of my Federal Rights
Consumer complaint received 2022-01-18
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: EQUIFAX, INC. (MD)

Equifax continues to report a public record and responding to letters that the information was provided by XXXX, a 3rd party data furnisher. However, XXXX does not have record of this information in their file.
Consumer complaint received 2020-01-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (DC)

On XX/XX/XXXX, I submitted a timely mortgage payment to PennyMac in the amount of {$1700.00}. This was my first payment to the company. Prior to XX/XX/XXXX, my mortgage servicer was XXXX XXXX Loans. 

When I submitted the payment, through my bank, XXXX XXXX, I accidentally interposed two numbers in my loan number on the memo line of the electronic payment. My address and other pertinent information was correct. 

That payment, according to PennyMac was lost or never received from them. Since XX/XX/XXXX, I have called PennyMac series every month to find out the status of my inquiry into my XX/XX/XXXX payment. I have been on the phone with PennyMac and my bank about 6 times. My bank has verified that I made the payment and that the money was withdrawn from my account. 

I sent proof to PennyMac, by way of my account statement, showing my daily ledger balance that the money was in fact deducted form my account. Each month there is a new standard. In XX/XX/XXXX, I was told by PennyMac that a trace ID number was needed to locate the payment. My bank, on a three-way call provided the trace ID number. 

On XXXX, XXXX, XXXX, PennyMac informed me that they could not find the payment despite all of the conversations, correspondence and personal financial records I have sent them and that I would need to contact my bank for a refund. The same bank that confirmed with XXXX that they sent, and that XXXX received the payment on XX/XX/XXXX. 

I asked PennyMac to send me confirmation in writing that they have closed the investigation and that they have not located the funds. PennyMac informed me that because there was no error on their part, they could not submit to me confirmation in writing that the investigation is closed. 

I would like a full refund and compensation for the stress and inconvenience this has caused me.
Consumer complaint received 2019-10-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BB&T CORPORATION (VA)

On XX/XX/26 I opened a account with BBT to take advantage of the bright checking bonus of XXXX Offer XXXX. I saved the criteria to make sure I met the requirements. On two separate occasions I called my local branch and the XXXX and asked the timeframe of when it would deposited and did I have to do anything else. I was told to wait 60 to 90 days because I had already had the two monthly deposit of more than 100 from my direct deposit from my bank.Which was requirement within 75 days. I have been very specific to the tee to make sure I followed every requirement. Then today the rep told me my offer ID wasnt on my application. I specifically made sure before opening the account online the Id number was placed. I had several chats asking for the confirmation and requirements. This is simply false advertising and bad customer service. I have attached my phone records showing the calls that took place and want this escalated immediately when I've made sure to do everything correctly. This is deceptive business practice
Consumer complaint received 2020-01-28
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 — Investigation took more than 30 days
Company: PORTFOLIO RECOVERY ASSOCIATES INC (UT)

I have sent several complaints to the CFPB about a debt that is not mine. The collection company response yes it is is not proof it verification. Sending a copy of a statement showing someone charged XXXX  account I nothing more than proof of fraud. I have asked for proof this is my debt. Thy cant provide it because it is not. Saying company responded claim closed is not adequate. referring to FTC does nothing to remove unverifiable debt collection by portfolio recovery associates. Saying you cant find them is another valid  reason to remove these collections. How can I be reported by a company that does not exist?
Consumer complaint received 2018-03-09
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: Experian Information Solutions Inc. (TX)

I have a collection account that was put on me by XXXX XXXX back in XX/XX/XXXX that I had no knowledge of receiving because I changed my address and moved out of state in XX/XX/XXXX. Even though I have filed numerous disputes to all three credit bureaus stating my claim and included information, I also payed the debt in full to the collection agency, it still is showing as a negative account as a paid charge off on my credit and has caused me to not achieve my credit score and goals that I want. Also the Experian Credit Bureau is showing that the account is only 2 years old and that is not accurate, the account is nearly 7 years old. I would like this collection account removed completely from all three bureaus. Here is the account as shown on my experian credit report. 

XXXX XXXX Account Number XXXX Account Type Unknown Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid, was a charge-off Status Updated XX/XX/XXXX Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Ownership Individual Original Creditor -  Company Sold-to - Original Amount {$170.00} Comments
Consumer complaint received 2018-02-18
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: TD BANK US HOLDING COMPANY (IL)

In the year XX/XX/XXXX, I was taking a look at cars through " XXXX XXXX XXXX XXXX XXXX '' and I realized the company ran my credit through financing companies I did not know about or ask for. The only thing I requested was for them to run my credit through XXXX XXXX on XX/XX/XXXX. 

The companies they applied for ( without me knowing ) left me with a lower credit score. Hard inquires will stay on my credit report for about 2 years but I would like the freedom to be able to apply for more credit without deducting too many points from my score. I am very mad that they did that to me without my consent. 

My complaint is that I would like the following Hard inquires removed from my credit report : -XXXX XXXX XXXX, XX/XX/XXXX -TD AUTO FINA , XX/XX/XXXX -XXXX, XX/XX/XXXX - XXXX XXXX, XX/XX/XXXX
Consumer complaint received 2020-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (TX)

I C System has been sold a debt by XXXX XXXX XXXX from a XXXX account that I had in XXXX. This account was due to the cost of the equipment that had not been turned in. After moving into a new apartment at the same address, In XXXX I wanted to re-establish service, but in order to do this I had to pay the remaining balance and return the equipment, which I did. So this debt has been satisfied but after calling XXXX who is formerly XXXX XXXX, customer service explained had a balance of not {$240.00}, but of {$370.00}. I explained that its impossible to owe anything since I had turned in the equipment and paid the balance, and she agreed that I should not have balance owed.
Consumer complaint received 2022-11-20
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. (NC)

I RECENTLY REVIEWED MY XXXX CREDIT REPORT AND I NOTICED INACCURATE INFORMATION BEING REPORTED. I NEVER AUTHORIZED THE BELOW INQUIRIES. THE FOLLOWING NEEDS TO BE REMOVED IMMEDIATELY : 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 TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX {$680.00} XXXX XXXX {$0.00} XXXX XXXX {$7300.00} XXXX XXXX XXXX {$2300.00} XXXX {$0.00} XXXX XXXX {$7000.00} XXXX {$0.00} XXXX XXXX {$970.00} XXXX {$53.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX {$1000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX BANK ) XXXX {$1000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX {$1400.00XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00}
Consumer complaint received 2021-06-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd. (FL)

On XX/XX/XXXX I pulled my credit file and found a negative account that was in collections listed. I immediately sent a debt validation letter to the company listed as reporting the debt ( Copy attached ) I also asked for them to send me copies of all records including the original contract with signatures, also a copy of the photo id that would of been provided when the account was originally set up. I have no recollection of ever setting this account up nor have I ever lived at the address that they have listed on the invoice copies that were sent to me in order to validate this debt was mine. 
I have attached all correspondences with the collection agency for review. As stated in all letters, I have no knowledge of this account, I don't own this account, I have never lived at the address listed on the invoices and I do not need to be harassed by the woman at the collection company, consistently insisting that this debt is mine, when she has yet to provide adequate proof to justify her claim. 
Not to mention, The statements that XXXX sent over ( collection company ) show that this debt would of defaulted in XXXX. In Florida that is past the statue of limitation
Consumer complaint received 2021-03-29
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: General Motors Financial Company, Inc. (CA)

I received an 'end of lease ' termination bill, as our lease had gone the full 36 months. I paid a payment towards the {$530.00} which I mailed back to GM financial in the paper statement that i received in XX/XX/2020. 
I never received any other bill or updated information regarding this bill ( no statement, call, email, text, etc ), regarding the balance. Unfortunately I was never informed ( per statement : or email, etc ), that this was all due at 1 time.

GM financial insists that they dont do that as it is a final bill, and " oh well, '' from there CSR I spoke to today.

Credit now shows delinquent and has hurt my credit immensely. I paid the balance off immediately once I saw my credit score drop @ XXXX points. 
I am asking for a reverse in this delinquency?
Consumer complaint received 2020-07-24
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. (MD)

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report and I have requested this fraudulent account be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX This account is keeping me from buying a home and making it impossible to move forward with my life. 

XXXX XXXX - balance is showing as {$1500.00}, dates open XX/XX/XXXX closed XX/XX/XXXX.
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (WI)

XXXX erroneously charged my XXXX credit card {$80.00} when I moved to another state over XXXX years ago. I disputed this charge and XXXX ruled in my favor. XXXX XXXX ID : XXXX. XXXX then turned this matter over to a collection agency which, in turn, submitted a negative report to the three credit bureaus. Apparently, XXXX is willing to ruin someones credit for {$80.00} -- even when they are in the wrong. Consumers are then required to spend hours of uncompensated time dealing with credit bureaus in order to clear their record.
Consumer complaint received 2020-06-03
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Corp Solutions Inc. (FL)

Credit Corps Solutions has been calling me for years. I have repeatably told them to take me off the list of calling me as I am not the person they are looking for and have never had any debt go to collections. I have owned this PHONE NUMBER SINCE XXXXThey called me on XX/XX/20 two times at XXXX XXXX. They say they take me off the list every time but I still receive calls from them.
Consumer complaint received 2021-09-08
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: Convergent Resources, Inc. (MS)

Collection agency [? ] Convergent Outsourcing Original balance [? ] {$280.00} Date assigned [? ] XX/XX/2020 Original lender [? ] XXXX Account number [? ] XXXX Account holder [? ] Individual debt was paid and company refused to take it out of collections
Consumer complaint received 2020-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (NC)

This was original complaint, the company answered but never researched as stated, if so, they would have gotten the same letter I did which shows this accident someone else and not me. I am attaching new evidence. 

I attempted to get insurance for my car through XXXX XXXX, and the rate quoted during quote was lower than when I went to check out. It stated I had an accident with injury on XX/XX/XXXX that I was at fault over, I talked to service person and they confirmed and gave me phone number and Reference number # XXXX. I contacted LexisNexis ( XX/XX/XXXX ) and over the phonean automated system took information and was going to send me a report which I still haven't received. Couple days later I contact LexisNexis again and talked with a lady who stated I had this on my report but with no injury and that it was an accident with a travel trailer that belonged to my ex wife in which she ran it into her house backing it in. I gave the lady from LexisNexis all information AGAIN and she was going to file a claim to remove. On XX/XX/XXXX I received a letter stating they can't find a file matching mine. So I tried to get XXXX XXXX again thinking it had been removed, but still shows against me. At this point I don't know how much extra I have paid since XX/XX/XXXX due to this and now they're playing games stating they have no information
Consumer complaint received 2021-09-08
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. (CA)

I requested a copy of my credit report two weeks ago i have not recieved my copy by mail. XXXX has not updated my credit report in three months. XXXX is in voliation of FTC laws governing my credit file. XXXX has not provided documention for any of my recent disputes.
Consumer complaint received 2020-07-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (TX)

I was shocked when reviewing my credit report and found late payments ( inconsistent ) on the dates below : 60 days late starting XX/XX/2018 ( all  3 bureaus ) I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statement did not get to me.
Consumer complaint received 2021-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (FL)

XXXX, XXXX XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION XXXX DEPARTMENT TODAYS DATE : XX/XX/XXXX ENHANCED RECOVERY CO XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person XXXX company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- XXXX A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO XXXX XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-06-25
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: LendingUSA (TX)

Theres a open complaint that is still being investigated filed against XXXX XXXX with Consumer Financial Protection on XX/XX/21 or XX/XX/21, complaint # XXXX. I received another denial letter from LendingUSA that stated XXXX XXXX XXXX  has denied me due to the number of inquiries, number of finance loans and my credit score is XXXX on XX/XX/21. Due to the improper denial by XXXX that is being investigated, LendingUSA is checking other bank without my consent and they are currently running my credit report with information that will show numerous of inquiries and open loans due XXXX denial. Also my credit score has dropped since the XXXX denial. My credit score that they provided to me in writing was XXXX  with XXXX  and currently the credit score is XXXX. I have not given XXXX or LendingUSA permission to pull my credit report again! XXXX or LendingUSA if they are affiliated should use the credit report that they pulled on XX/XX/21 or XX/XX/21 ( at the time the truth & lending agreement contract was signed or before when I first applied for credit. The finance inquiries that XXXX XXXX XXXX  is denying me per Credit Bureau reporting is inquiries & open loans wasnt on my credit at the time XXXX approval and it wasnt on the day I signed the agreement. As I mentioned before in the complaint, XXXX was the very first loan that I signed. I did not go with any other Banks until days or week later. It appears that XXXX XXXX LendingUSA is trying to search for other banks now and running my credit ( which will result in denials now due my credit score has dropped & inquiries & open accounts which is almost paid off ) to cover themselves for wrong denial. LendingUSAXXXX XXXX XXXX  is denying me based on recent information reporting and not with the information they obtained between XX/XX/XXXX-XX/XX/XXXX when my credit was pulled. My credit score dropped as soon as XXXX did a hard pull which was during that time period. LendingUSA need to stop pulling my credit report!