davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-24
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. (FL)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2023-03-31
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. (IL)

I have sent numerous letters, faxes to Equifax asking them to remove this fraudulent hard inquiry. Last letter sent was dated XX/XX/XXXX. I have also called many times. I have also provided the Identity Theft Report filed on XX/XX/XXXX to them. I have attached the Identity Theft Report here. The fraudulent hard inquiry is XXXXXXXX XXXX XXXX dated XX/XX/XXXX. 
In accordance with the Fair Credit Reporting Act Equifax has violated my rights. 15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instruction.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account : - XX/XX/XXXX - {$1300.00} - XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1000.00} - XXXX XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$540.00} - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX - {$290.00} - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX - {$89.00} - XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX 5 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 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is my third time asking company to re-investigate my credit report they have not respond to me with any updates on removing inaccurate information off my credit report i have certified documents that prove that there investigation has took well over 30days. they use stall tactics to try and not investigate my issues. this is XXXX XXXX i am submitting this complaint on my own behalf
Consumer complaint received 2018-02-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (MO)

XXXX XXXX ..they called and were asked to stop calling. They call multiple times per day. We have a max of 25 numbers we can block with our phone company and they are still getting through. They are relentless. This has been going on for 6 months or more.
Consumer complaint received 2021-11-09
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 — Their investigation did not fix an error on your report
Company: Santander Consumer USA Holdings Inc. (OH)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. XXXX failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2019-03-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

I made a payment in the amount of {$410.00} on XX/XX/XXXX. When I logged onto my account it stated XXXX was due. I recieved a letter in the mail from Citizens One stating I owed {$660.00}. I called customer service three times on XX/XX/XXXX at XXXX, XXXX, and XXXX. I explained that a payment was made and why did I receive a letter. I was told the payment was received and that I owed XXXX. XXXX. The last phone call I asked to speak to a manager.  She claimed that I only owed XXXX. When I asked her why when i just paid XXXX XXXX and why now do I owe XXXX due by XX/XX/XXXX? The manager then says I owe XXXX by XX/XX/XXXX. I explained to the manager that the numbers were not adding up. She agreed and put me on hold. I was on hold for 26 minutes. I could not hold any longer due to being on my lunch break and had to get back to work. I've yet to receive a call back explaining current charges.
Consumer complaint received 2020-01-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (NJ)

I have a PAY PAL account. On XXXX XXXX I received an E-mail from PAY PAL indicating I had a balance of {$4400.00}. I notified them to transfer {$4000.00}. directly to my personal bank account. They did and I received the {$4000.00} into my XXXX XXXX XXXX XXXX account. I checked the following day and was informed that I OWED {$4400.00}. 
There had been 17 withdrawals from my Pay Pal account from a XXXX HOSPITAL. 
I do not know a XXXX Hospital or have ever done any business with them.

PayPal froze my account until I re-pay to them {$4400.00}. 
On XXXX XXXXthe I received the 10th collection call from PayPal. I explained to each agent about my dilemma and that I did NOT owe, PayPal. I acknowledged that I had requested {$4000.00}. from my account and it was deposited into my personal bank account. 
That I did not know a XXXX HOSPITAL. 
oN XX/XX/XXXX AT XXXX I received an e-mail from PayPal `` we noticed unusual activity on your account and are concerned about potential unauthorized access. '' At XXXX I received and e-mail that stated " We've completed our review of your unauthorized activity case. Pay Pal determined there was no unauthorized use. We found this transaction is consistent with your Pay Pal history. 
One of the Collection Agents said Pay Pal spoke with XXXX Hospital and an error had been made and XXXX Hospital sent back 17 transactions. At the same time when they were received Pay Pal forwarded them to an account they say was mine. Account # XXXX ( last four digits ). That is NOT my account and never has been ... .I did not receive any of the 17 transactions. Pay Pal says that is their record of my account number ... ... I checked all my VISA cards and contacted my XXXX XXXX XXXX and they have no record of that credit card in my name or account number. I did learn I have been with XXXX XXXX XXXX since 1979 ... .forty years! XXXX XXXX XXXX is the only VISA card I have.. I have others,, Mastercard, XXXX XXXX, and XXXX. 
Pay Pal has informed me that they were authorized for a 'charge back ' when they forwarded the money to that account number XXXX. I have pleaded with Pay Pal to use their resources to trace the owner of XXXX. I have just received the 11th collection call from PayPay asking me to set up a payment schedule to repay the {$4400.00}. 
I desperately need help.
Consumer complaint received 2021-08-18
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: EQUIFAX, INC. (OH)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-01-30
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: AMERICAN EXPRESS COMPANY (AL)

XXXX XXXX XXXX XXXX, address on their website is : XXXX XXXX XXXX XXXX XXXX, NY XXXX and phone number XXXX. 
XXXX XXXX XXXX has contacted my place of employment by repeatedly calling my place of employment. They call my office at a minimum of 3 times a day. The secretary as well as myself has asked them not to contact me at work. They are collecting for a past due American Express account. They sound as if they are out of a call center in XXXX or something. I emailed them a weeks ago asking them to remove my work number and they continue to call. Just XXXX XXXX, 2021, I asked them to stop calling my work, verified my employer number to remove from the call list and they call right back the next day and the day after that. They call my work cell phone. They call and change/scramble their phone number to disguise their identity. Sometimes they call the office 3 times back to back and hangup each time. They say ok we will remove the employer 's contact number and then keep calling it. 
My money is low due to COVID 19 and missed several months from work and have been behind on bills every since. I keep explaining the situation to them and now I am scared of losing my job because they keep calling my office. The payment options given by XXXX XXXX XXXX are too high for me to afford, such as 6 payments of {$1100.00}, or 3 payments of {$2500.00}. I am so scared of my losing my job at this point and don't know what else to do.
Consumer complaint received 2021-01-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (CA)

I had a loan modification in XXXX  on the primary loan with my mortgage company. I had received no assistance from the mortgage service provider Until I had to retain counsel to negotiate a modification. I had a 1st and 2nd loan with the same company but only the first was modified. The loan modification was for 7 years interest only with 20k+ plus added back into the 1st mortgage principal balance. Ill in received was a document breaking the cost and payment of the modification nothing else. I tired for several years after XXXX to have the 2nd modified but to no avail. It has now been almost 4 years since the modification was completed and we have made on time payments for the duration of the modification. With interest rates low, we tried to refinance our 1st mortgage. The second organs did no longer show on credit or on the load serviced website. When trying to refinance, a lien showed for the second mortgage but showed it was foreclosed. I havent received any documentation showing a foreclosure that happened in XXXX of XXXXNo documents have been recorded with the county recorder either. When trying to pay the lien to refinance, the current mortgage provider cant produce any documents showing who it needs to be paid to or wont remove the the lien.
Consumer complaint received 2021-01-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (OH)

I was purchasing a car in XX/XX/XXXX and was told that my credit reports returned a debt collector notification. When I pulled the credit through my current bank a few weeks later a medical debt was reported and I filed a dispute through XXXX. The dipute listed that the CBE Group Inc tried to contact me 3 times, however I was unaware and the dispute came back unspecified. I followed up with a phone call to XXXX  where no one could explain the debt and I was told to contact the collector. On XXXX XXXX I was arrive to work to find my paystub had already garnished my wages for this debt at the amount of {$460.00} a month. The employer had been notified on XXXX XXXX XXXX and I was not notified until XXXX XXXX upon my discovery. When I received the paperwork for the garnishment from my employer I contacted CBE group regarding the debt to complain about the garnishment with no court order and the only information I received was it was medical debt from XXXX but no details other than {$5400.00}. They are no longer communicating and Im being bankrupted by this issue without the ability to exercise my right in court nor being explained the debts. I have supplied paperwork showing that my XXXX benefits ended in XXXX and I have carried private insurance through my said/current employers. I believe they are wrongfully placing the garnishment and the destroying my credit for an old debt or a debt that can not be explained.
Consumer complaint received 2022-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (MN)

On XX/XX/XXXX ( today ) I went to pay off my balance on my Apple Credit Card, and I opened up the app to make my payment and saw that it stated that my XXXX Balance was {$1400.00} and if I paid that amount I would not accrue any interest charges. However, due to a previous issue with interest and my Apple Credit Card ( where I had a carryover balance it didn't count in my payoff to not accrue interest ), I opened up the PDF statement they provide for XXXX and realized there are two issues. 

First, the PDF statement says that my XXXX balance is {$1400.00} which is a different amount than the app told me was due ( {$1400.00} ). 

Secondly, I had not paid off my entire balance the previous month, so even though it said I could pay off my XXXX balance to not accrue interest, that is incorrect, because if you look at the actual PDF statement, it shows that my " Total Balance '' is {$1700.00} due to my " Previous Monthly Balance ''. 

When this happened last month I did briefly mention that I had paid off the amount the app listed so that I didn't accrue interest, so Apple refunded me {$25.00} out of the {$25.00} in interest I had accrued, but I was given no recognition of the issue or assurance that it would be resolved. That is how I knew to look out for it this month so I could gather enough accurate information to properly file this complaint. 

I think this is an inherently predatory business practice that when you click to pay it states that paying off the previous months balance will mean you will not accrue interest even though I had a carryover balance. Apple needs to ensure that the amount displayed in the app for payoff not only displays the correct monthly balance, but that it also includes any previous monthly balance that may exist. 

I have attached screenshots of both my XXXX statement, and from the app to show the issue ( with my name/email redacted ). However I am willing to provide any additional information that the CFPB may need to investigate the issue.
Consumer complaint received 2020-06-04
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners pro-gram because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 
XXXX {$0.00} XXXX {$580.00}
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

These accounts are not mine. 
XXXXXXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX
Consumer complaint received 2021-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FORD MOTOR CREDIT CO. (NY)

Ford Motor Credit calls my home several times a day to collect a debt from someone who is not me and it not know to me. I have reported this to Ford Motor Credit and yet they continue to call my home several times a day. Since reporting the incorrect information, Ford Motor Credit has called my home 18 times. These calls disrupt my home office and are embarrassing during work meetings when the message is left out loud on my answering machine.
Consumer complaint received 2018-02-08
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (TX)

I am a victim of hurricane Harvey in Texas. I was given a generous insurance settlement from my flood insurance company for the purpose of repairing my home. I promptly sent my insurance checks to Fay servicing company to be placed in an escrow account so that I could gradually start rebuilding my home. Fay Servicing acknowledged receiving the two signed checks. Here is the issue, Fay servicing is refusing to allow me to act as my own general contractor so that I can get my home repaired. I have Loss draft information sent from their company clearly stating that I can as my own general contractor as long  as I follow the guidelines established by them and provide adequate documentation receipts and home Inspections done by them. Fay  servicing is insisting that I hire a licensed general contractor to even purchase kitchen cabinets, a refrigerator, tile. Under no circumstances can I make any purchases or repairs without the umbrella of the licensed contractor that they insist on. 

I have asked them to please give me information in writing stating that I must work under a contractor, they have flatly refused. I asked if I could hire my own AC licensed person, they refused. They even refused to provide the initial monies to do demolition to my home which resulted in mold build up, I have not been allowed to replace my AC. 
All of the items that I listed are clearly supported on my adjustors report s things that I need to have done. They finally agreed to reimburse me for the refrigerator and tile after sending me a threating letter that this will never be allowed again, I have the letter to submit to you. 

I continue to ask that the policies they are trying to inflict are me should be sent to me in writing, they state that I am not privilidged to certain sensitive information. I was also told that the any amount left over after repairs were done would be automatically used to pay my mortgage down. My concerns is this, how can that be legal? 

The only resolution I have been able to get from them is another mortgage person who tells me the same thing that the previous one said. 

I gave them a logical reason for wanting to complete my house slowly without a full team of contractors in here, I am currently receiving XXXX for XXXX and I can not withstand the dust, chaos and stress at this time. I simply wanted to complete one room at a time until finished
Consumer complaint received 2021-06-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-01-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

After filling bk BSI took over our loan in XX/XX/2018. They have never sent any statements. I've asked 5 times. They are now saying we are {$7000.00}. Late we gave our lawyer cancelled checks to show we are not. BSI is not threatening to foreclosure on our home, we've been in our house for 20+ years. They violated truth is lending, fair business act. Will not respond to my concern. I'm trying to refinance. I'm XXXX my spouse XXXX XXXX  XXXX  from XXXX XXXX XXXX  XXXX  also XXXX XXXX XXXX. Help
Consumer complaint received 2018-02-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC (CA)

Security Credit Services llc are helping the original creditor XXXX XXXX COLLECT A disputed fraudulent debt by putting two collection accounts acct no.XXXX and acct no. XXXX ON XXXX  XXXX   AND XXXX  credit reports. 
Each account reflects a purchase of a sofa.Both sofas were defective in their construction and began to come apart after delivery.In less than several months both sofas had become rubbish for the trash heap due to poor workmanship, the screws or nails that the frames were held together with did not hold the frames together.When I approached the salesman at XXXX XXXX, HE OFFERED ME A XXXX DOLLAR condolence refund each on the sofas which I refused.Security CS works as the strong arm for XXXX XXXX who buys and sells junk products to the unsuspecting public for the typical price of what a sofa costs anywhere else.