davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-16
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. (TX)

XXXX In the above refrenced complanit you stated information was submitted to me which is false. There will not be 30 days to reinvestigate I gave you more then 30 when I disputed the items initally. The comapny responded saying they cant locate the accounts so how were the proof submitted. Based on the credit file its states they are medical debuts. As an XXXX XXXX service member before a negative item can be added to my credit report there needs to be a court order. per the SCRA act. XXXX XXXX XXXX/ XXXX XXXX XXXX balance of {$1800.00} o XXXX XXXX XXXX/ XXXX XXXX XXXX balance of {$1200.00} o XXXX XXXX XXXX/ XXXX XXXX XXXX balance of {$64.00} o XXXX XXXX XXXX/ XXXX XXXX XXXX balance of {$42.00} dditionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me.
Consumer complaint received 2023-01-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

The list down below has violated my federally protected consumer rights to privacy confidentiality under 15 USC act. 1681. 

XXXX last reported XXXX XXXX XXXX in amount of {$470.00}. 
XXXX XXXX XXXX XXXX and the amount of {$650.00} last report it was XXXX XXXX XXXX 
XXXX XXXX XXXX  account resolution services last reported the seventh XXXX at {$700.00}. 
XXXX XXXX XXXX XXXX last reported XX/XX/ in the amount of {$1000.00} Capital One Bank in the amount of XXXX
Consumer complaint received 2022-04-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I viewed my credit report and noticed that there is fraudulent account. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX  XXXX / {$790.00} / XX/XX/2021
Consumer complaint received 2019-10-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

I am in foreclosure on my mortgage. I applied to Rushmore for a modification of my loan on or about XX/XX/2019. On or about XX/XX/2019, the law firm representing the plaintiff provided my attorney with a trial modification offer. The offer requires a {$8400.00} down payment and a 6-month trial period with monthly installment payments of exactly {$2100.00} per month. On my instruction, my attorney reached out to plaintiff 's law firm to ask what the terms of the contemplated modification would be if I successfully complete the modification, and also asked if the down payment could be eliminated or reduced. The plaintiff 's law firm responded that the down payment " can not be eliminated or reduced '' and also that " the projected terms will not be available until completion of the trial modification. '' I find it inconceivable that Rushmore does not know the terms of the modification it would offer me if I complete the trial successfully. It knows what I owe now and what I will owe at the end of the six-month period if I meet all of the trial plan requirements by making the {$8400.00} down payment and the six {$2100.00} installment payments. I ask that Rushmore provide me with that information that they must know about the projected monthly PITI payments, modified principal balance, maturity date, and interest rate would be if the trial mod is successfully completed.
Consumer complaint received 2018-02-16
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: Experian Information Solutions Inc. (IN)

On XX/XX/XXXX a dispute was filed with Experian credit reporting agency. It took several months of writing back and forth but the information below was finally removed from my credit report in XX/XX/XXXX. On XX/XX/XXXX I tried to apply for an apartment but was denied because of the same information that was removed because of fraud, not never living there, using my ss number, plus lack of evidence, ( They have not provided no court documents or judgement from a judge for XX/XX/XXXX for XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX XXXX ) was right back on my credit report. On XX/XX/XXXX, I contacted Experian by phone and was told by a representative that I would have to re-dispute my information because they didn't know why it reappeared. On XX/XX/XXXX I pulled my credit report and it's stating that the dispute was done and the information is to remain per FCR recommendations. Now I am confused because once information is removed from your credit report it should remain removed. Now I am XXXX living in XXXX XXXX in the winter because of Experian not re-removing this fraudulent information from my credit report. Why do I have continue to suffer for their mistake!!!! Please help me!!!!
Consumer complaint received 2020-07-24
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am disputing Account Number XXXX, with XXXX  XXXX XXXX. I have been paying {$300.00} a month for more than a year and XXXX  XXXX XXXX continues to state on my credit report that this is a charge off. The amount owned never changes as well. 

Example of XXXX  : XXXX  XXXX XXXX XXXX {$24000.00} Closed 27 charge-offs Example of Transunion : XXXX  XXXX XXXX Last reported XX/XX/2020 {$24000.00} Reported balance Remarks Charged off as bad debt Profit and loss write-off Transunion and XXXX  please remove from credit report.
Consumer complaint received 2018-02-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (MI)

I have two collection notices from two different collection agency trying to collect the wrong amounts for XXXX XXXX. I attempted to cancelled the services with XXXX XXXX cause I switched carriers on XX/XX/2017. I went to XXXX. XXXX XXXX claim they couldn't cancel my account because XXXX was attempting to port my number and they can only suspend the account so I wouldn't get any additional charges. Well that didn't happen they continued to charge me when I was with XXXX and decided to use XXXX number instead of porting my number from XXXX XXXX. Now I have two different collection agency trying to collect for XXXX XXXX while this is in dispute.
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NE)

I sent a validation letter return receipt to XXXX XXXX XXXX and was signed for on XX/XX/XXXX. Since the debt was unable to be validated and XXXX XXXX not licensed to collect debts in Nebraska the collection was removed from XXXX and XXXX but not Equifax. Equifax needs to follow suit and remove from my credit file as it is adversely affecting my credit.
Consumer complaint received 2023-04-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

I have sent in many disputes and not getting a response it been more than 30 day since last compliant filled. EQUIFAX BROKE THE LAW an I am stressed out emotionally and it causing me financial damages This is the fourth time I put is a dispute to resolve this issue. I even done it through CFPB a COUPLE TIMES THIS IS MY FINAL NOTICE. IF YOU failure to respond 5 calendar days will be constituted as your acceptance that the debt is not valid. Please be advise verify, validate and document for your records that I AM LEGALLY Obligated to pay these alleged debts. Please be advised that a simple verified will not constitute an appropriate legal nor is it a lawful response. PLEASE REMOVE THE FOLLOWING IMMEDIATELY XXXXXXXX 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 XXXXXXXX Remove late payments ANY LATE PAYMENTS OPEN CFPB COMPLAINT XXXX, XXXX
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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have previously disputed public records listed XXXX and XXXX and XXXX with TransUnion and in response TransUnion verified the items as accurate stating that they have verified the information. The original creditor in this case would be the US Bankruptcy courts. I contacted the court, and their response is enclosed. It is clear they did not furnish to TransUnion or any credit bureau for that matter ; therefore, their original response verifying the item with the court was either an error or a lie. Purchasing information from third parties does not absolve TransUnion of accountability. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. I also submit my proper identification as authentication of my identity.
Consumer complaint received 2020-10-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

SEE ATTACHMENT. I HAVE RECENTLY DELETED THIS ACCOUNT TWICE AND IT CONTINUES TO REAPPEAR ON MY CREDIT REPORT THUS BRINGING DOWN MY CREDIT SCORE. IT IS DISRUPTING ME TRYING TO BUY A HOUSE.
Consumer complaint received 2020-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HARBORONE MORTGAGE, LLC (CT)

Dear CFPB, I need your help resolving a problem with HarborOne, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NH XXXX www.harboronemortgage.com HarborOne has  offloaded my home mortgage to XXXX  XXXX.XXXX.XXXX XXXX  is placing numerous, daily phone calls to my mobile number, leaving a message to call them back, when you do the only thing available is an automated system and no way to get a human being on the phone. 
Back in XXXX I reached out to HarborOne XXXX NH only to be told they can not help me and gave me the XXXX. XXXX  link If you follow the link you will see for yourself : XXXX  does not list an email address on the Contact Information portion of the web site link. 
XXXX has a Login, but there is no mechanism for me to access Set Up of that feature. 
Add the fact that XXXX answers the phone with automation, no means or mechanism to speak with a human being or leave a voice message. 
At this point XXXX is not sending me my monthly statement. 
I am in fear they are trying to make me late or put me into default. 
Please Help
Consumer complaint received 2018-02-13
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. (MD)

I submitted a dispute requested investigation and the removal of erroneous conflicting reporting of an auto loan by XXXX XXXX XXXX XXXX in Virginia. XXXX XXXX has been reported over the last 3+ a balance owed in the amount of {$11000.00} monthly terms for 84 months with the intent to cause damage a minimize my ability to purchase a vehicle with fair terms. 

XXXX XXXX placed fraudulent charges on a share savings account investigated ; and failed to resolve over 4 years ago.
Consumer complaint received 2021-06-22
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. (TX)

On XXXX2021 I sent a letter regarding inaccurate and unknown items on my credit report. It has been over 45 days, and I have not received a response yet. I feel like my disputes are being ignored and/or not being taken seriously. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report. It has been well over 45 days and these items should be deleted immediately or I will file for litigation due to the extreme trouble I have gone through because of these errors. I was also informed that my information was leaked during the Equifax data breach and I believe it is being misused for wrong purposes, such as this.
Consumer complaint received 2018-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (NJ)

Lost my card and got new credit cards. Once I activated them, I was unable to access my old account to settle my balances. Balance was due in 5 days. Customer service rep in XXXX told me to wait 5 days as it would take that much time to transfer everything over. I did not want to wait to give them my money. Asked for supervisor, and they transferred me to XXXX XXXX to a man name XXXX. XXXX also could not help and refused to give me the name of his supervisor. I simply want to pay my bill in full and close out my account
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

There is an account that is on my credit report that I do not recognize. I sent a letter to Transunion letting them know that the company has not clearly and and conspicuously provided an address at which to write a dispute to. In Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ) of the FCRA, it clearly states the accounts should be removed. Transunion has NOT done an investigation and its been over 45 days nor have they removed this account from my credit report
Consumer complaint received 2019-10-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (HI)

My loan started in XX/XX/XXXX with XXXX XXXX then with LoanCare to XXXX XXXX  I submitted Loan Modification requests and the loan would be transferred. In the course from XX/XX/XXXX to XX/XX/XXXX my loan has been transferred 2 times. Some of the transfers appear to be without the proper notice prior to transfer. 
I am attaching all the documents relating to the servicing of my mortgage and am currently awaiting notification from the current servicer of a loan modification from XXXX XXXX XXXX. 
I have been given no point of contact to call at all from any of the servicers. 
All was well with payments from XX/XX/XXXX until XX/XX/XXXX as explained in the Hardship letter that they requested. 
Additionally, we can't seem to get a clear understanding of the loan balance and large charges added onto the mortgage balance.
Consumer complaint received 2021-07-04
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: CITIBANK, N.A. (CT)

I purchased a bike that I saw on XXXX ad. I purchased it on XX/XX/2021. I know that with Covid-19 shipping has been slow so I waited until the XXXX of XX/XX/2021 and because I did not receive the bike by then I filed a dispute with my card company. They put a hold on the payment until they did an investigation. A couple weeks went by and they sent me a letter stating I was responsible for the payment. I still haven't received the bike. I sent them pictures of the ad I had, the company I ordered the bike from And yesterday I checked the site and found out it was a scam/a fraudulent site. Which I sent them this information as well. But they refuse to reopen my dispute which a payment is due on the XXXX of XX/XX/2021 ...
Consumer complaint received 2021-07-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MN)

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 I'm 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 promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-11-30
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. (PA)

This is 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, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. The inquiries are constantly reporting on my Credit Report.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2018-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BROKER SOLUTIONS, INC. (GA)

NEW AMERICAN FUNDING via XXXX XXXX The above is listed multiple times ( 3 times to be exact ) on my credit report. I only granted permission ONCE for them to run my credit. The date I did give permission was XX/XX/2017. All other dates are fraudulent on their part. 
The company stopped responding to my requests I would like the inquiries removed from all three bureaus as I didn't request this. I would also like my score updated.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

Due to XXXX XXXX XXXX breach, I'm trying to freeze Experian credit report but after creating an account with them, I can not freeze it and getting error message 'Status not found We're having trouble loading your information. Please try again later. ' Under that, it says 'Contact customer care ' which just takes you to another webpage and when I call their number, there are two options : request info via e-mail or access their website which neither of them work properly and the task can not be completed.
Consumer complaint received 2022-09-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERIS BANCORP (FL)

I applied for a 30-year fixed loan at 3.875 % interest rate on XX/XX/2021 with XXXX XXXX XXXX XXXX # XXXX ) with Ameris Bank and was told by him that we needed to pay 1 % of the loan amount ( {$3000.00} ) to " lock in the rate ''. XXXX told me numerous times over the phone that it would be 100 % refundable. I asked him to send me an email stating that so I could be reassured it was refundable before sending over the wire. He sent over an email stating that the " upfront fee is refunded '' which he highlighted and with that confirmation, I sent over the wire of {$3000.00} that he requested for the " FLOAT/LOCK RATE ''. Unfortunately, my circumstances changed and I no longer wanted to go through with the loan. I asked XXXX XXXX and Ameris Bank numerous times for the refund that I had been promised both orally and in writing and they refused to provide me with the promised refund.
Consumer complaint received 2022-05-01
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. (FL)

In accordance with the fair credit reporting act, the following companies have violated my rights : *XXXX account reported late once, but payment was in office and not credited to account- asked for grace as payment was in office *XXXX XXXX account reported late but payment was made- call made and was told they arent going to adjust XXXXXXXX XXXX XXXX XXXX  payment made but reported late, but never sent payment slips and was instructed that they mailed a payment book that I didnt get ; and XXXX XXXX payment reported late, but my account was set on automatic debits 15USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.