davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is 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 Experian was XXXX XXXX, 2022, but no response was ever received from them to date. 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MS)

I recently received a letter in the mail from credit collection services.. I requested a debt validation from this alleged company. The company has never responded back to the compliant that cfpb sent but the company. I received a phone call on X/XX/2017 from this company threatening me because I would not validate a debt.
Consumer complaint received 2019-02-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/2018, I invested money into XXXX XXXX XXXX XXXX through a broker I found online. I did research on the company to make sure that the company was legit in order for me to invest. After I proved that the company was legit, I invested a total of {$210.00} to the broker ( named XXXX XXXX ). After that, he told me his " boss '' was going to give me a call to tell me what the next steps we're and to congratulate me on my investment ( named XXXX XXXX ). After some time passed, the broker contacted me about my profits ( total profits of {$3200.00} ). I was then told afterward that I had to pay {$500.00} in taxes in order for my profits to be released to me through XXXX XXXX to the companies " tax attorney '' ( XXXX XXXX ). I sent the payments through XXXX and XXXX XXXX through my phone. I sent one half of the payment through XXXX and the other through XXXX XXXX. The contact 's email is : XXXX I didn't pay the taxes and never received my money. I contacted my tax person and he confirmed that I do NOT have to pay taxes to get my profits paid out to me. People he knew invested in that company but never paid any tax for their profits to be released. I was scammed of {$210.00} and I never heard from the people again. I leave the documents or " contracts '' sent to me here.
Consumer complaint received 2019-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I contacted Transunion disputes department on a recorded line on XX/XX/2019. My dispute was refused because they have never heard of the law in the state of Alabama where a minor is considered to be anyone over the age of 19. I offered to send in the information but he still refused my claim.
Consumer complaint received 2015-07-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (CA)

My newly re-financed loan was bought and is now handled by Shellpoint Mortgage Servicing. I received a monthly statement that included nearly XXXX the regular amount charged for escrow. When I called to inquire, I was told that the escrow analysis did not exist yet and that the representative did not have information available to answer my questions. I was told that I would soon receive the escrow statement in the mail. This morning - more than a week after my XXXX call - I called again with the same inquiry. XXXX, I was told that the person I spoke with originally had NOT placed a request for an escrow analysis, but that the representative would initiate a request. When I told the representative that I needed information immediately as my payment was due, she told me she could not help. I asked to speak with a supervisor and my call was forwarded to someone 's voicemail. I called back, had a similar conversation with a different representative, and my call was forwarded to another voicemail. 

There has been no increase in my taxes or insurance. While I understand that escrow shortfalls do happen from time-to-time, I am unaware of any legitimate reason why there should be a shortfall that amounts to almost an extra months ' payment. 

I have now researched Shellpoint Mortgage Servicing and see that it is a regular practice of the company to seek additional funds PRIOR TO providing homeowners with information as to why the increase is legal and warranted.
Consumer complaint received 2017-02-02
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

RE : Case XXXX XXXX I paid for a website to be developed on XXXX/XXXX/XXXX. By XXXX/XXXX/XXXX, the work was not done and I requested a refund [ per their 100 % money back guarantee ]. Although I requested for the site to be closed, the company insisted on working on it. I 've attempted to cancel many times, and they still have not refunded my money. I realized that no matter how many times I 've requested, the company would not refund me my money. I contacted the bank on XXXX/XXXX/XXXX to reverse/dispute the charge and put the money back to my account. then the bank to receive my money, and I have not been successful. The company is clearly a fraud and scam. I sent back the dispute forms on XXXX/XXXX/XXXX and the bank claimed that they did not received them so I resent the documents on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I went into my bank to inquire as to the case status and I have not heard or received my money back as yet.
Consumer complaint received 2016-03-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (TX)

had requested experian to investigate a credit inquiry for XXXX card dated XXXX/XXXX/2015. I was told in the response that I had to dispute directly to XXXX card. I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be removed.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-02-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted TransUnion twice regarding Inquiries on my account. On XX/XX/2016 someone was trying to open XXXX different credit accounts using my information. they were XXXX. XXXX XXXX XXXX and XXXX. I 've indicated to TransUnion that I 've been a victim of identify theft and that the alleged inquiries were not mine. I contacted the creditors and was told that I needed to contact the Credit Bureau and have them remove the inquiries. Apparently, they only removed one ( XXXX ) but are refusing to remove the other XXXX that are still on my report - bringing my credit score low. These inquiries were fraud, as they all occurred on XX/XX/XXXX. I 'm tired of contacting them and getting no results.
Consumer complaint received 2024-02-16
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Subject : Fraudulent Inquiry Dispute Dear Sir/Madam Inquiry Name : XXXX XXXX XXXX Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX XXXX Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Sincerely, XXXX XXXX
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have a credit card with XXXX/XXXX. I have always made all of my payments on time. One day I decided to check my fico scores with all 3 major credit bureaus, and I realized that there was a late payment on my Experian, XXXX  and XXXX  credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting the 3 credit bureaus and  XXXX/XXXX  with no successful resolution. Experian, XXXX, and XXXX  only reporting me 30 days twice in XX/XX/XXXX and XX/XX/XXXX, this was definitely an error on their part. I was never late 30 twice.
Consumer complaint received 2016-12-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

XXXX financed through XXXX was traded through XXXX XX/XX/XXXX. Pay-off payment was sent late. Kept calling XXXX multiple times as to why. Almost two months later in XXXX, it was discovered the check was sent to a bank I was unaware of. However, every time XXXX called, I let them know the car was traded in ; they noted my account. I was held accountable for being late ; reported on my credit as being late. Account was closed and paid off. Disputed through Experian, nothing came of it except for " consumer disagrees '' statement. Contacted XXXX multiple times, stated XXXX needed to call to be responsible for delinquency. Nothing has been done after various forms of communication. XXXX was not helpful. XXXX has not been productive in correcting their mistake.
Consumer complaint received 2017-07-19
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. (WA)

On XXXX XXXX XXXX we went on XXXX to receive XXXX credit score, which was at XXXX with Equifax and higher with XXXX and XXXX, so that we could go and apply for a home equity loan at XXXX XXXX XXXX to consolidate some bills and do some repairs and updates on our house. We went to XXXX XXXX XXXX and applied for the home equity loan on XXXX XXXX XXXX. We got a call from the credit union on XXXX XXXX, saying that our credit score had come from Equifax at XXXX, which was too low and they could not do the loan. We then got on XXXX and got XXXX XXXX credit reports. After receiving the reports we decided to go to equifax.com and pay {$7.00} for XXXX credit score directly from them, which was also at XXXX, which was the same value as XXXX showed. XXXX XXXX XXXX says that Equifax gave them our FICO score, which was at XXXX and is different. So we went on Equfax again and paid {$14.00} for the FICO score, once I found the link, and it says XXXX but doesnt really give a reason why since youre looking at the same credit report as youre looking at for the other number. My issue is this : If Equifax is giving out a fifty-point lower number to places that we are trying to do business with than they are giving to us, ( presumably so that we can fix it ), what was the point of all the legislature forcing them to be transparent?? This is not transparent. They are still trying to hide what they are doing. We spent months trying to raise our credit scores, like they tell us we need to do, successfully, and then they send a different score that is much lower? How can this be right??
Consumer complaint received 2019-02-27
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. (CA)

I have a credit card with XXXX. I have always made all of my payments on time. One day I decided to check my fico scores with all 3 major credit bureaus, and I realized that there was a late payment on my XXXX, XXXX  and Equifax credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting the 3 credit bureaus and XXXX with no successful resolution. XXXX, XXXX, and Equifax only reporting me 30 days twice in XX/XX/2017 and XX/XX/XXXX, this was definitely an error on their part. I was never late 30 twice.
Consumer complaint received 2017-01-03
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (MO)

I tried to work with my mortgage company in order to save my home and to lower my mortgage. Upon review they were unable to assistant me. I went to XXXX to get assistance and they have been trying to assist me but the mortgage company will not responded to them. XXXX submitted my file to the mortgage company XX/XX/XXXX and nothing has been done. I was advised by XXXX to file a complaint with you. I am currently XXXX months behind and I am trying to get this resolved.
Consumer complaint received 2022-02-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

My brother, XXXX XXXX, information was mixed in with my, XXXX XXXX, credit report. Including all his credit accounts. I disputed my findings to all 3 major credit bureaus, XXXX and XXXX removed them because they were clearly not mine nor under my XXXX when looked up. Equifax denied my dispute multiple times asking me to talk to XXXX and the bank the account is under. I spoke to XXXX XXXXXXXX XXXX and they told me that was clearly under XXXX name and not mine and have no idea why Equifax didnt delete it. The same with XXXX. Equifax then tells me to use FTC.com to fix the dispute. So please help.
Consumer complaint received 2019-06-03
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. (FL)

Please remove these accounts, I have sent a copy of my report from XXXX that shows 2 accounts with XXXX XXXX were deleted because the bureau was not able to verify, also shows 2 accounts under XXXX XXXX also have been remove, all since XXXX ... ... 3 letters later and yet TRANSUNION or XXXX have done nothing, XXXX has failed to provide me for a release form where I signed to release my XXXX ( which is in hippa violation ).
Consumer complaint received 2017-07-19
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (TN)

I have a Goodyear credit card issued by Citibank N.A.. I made a purchase of Goodyear tires from a Goodyear authorized service center on XXXX XXXX XXXX. Displayed prominently in the store, were advertisements for the Goodyear Credit Card mentioning 6 months no interest on purchases of {$250.00} or more. My purchase amount totaled {$740.00}, so I was very surprised to discover that interest had been charged to my account. The advertised terms of the promotion are as follows. Special Financing Plans 6 months no interest on purchases of {$250.00} or more. Interest will be charged to your account if the purchase amount is not paid in full within the qualifying number of months. Minimum payments required. Goodyear Credit Card Special Financing Terms & Conditions With credit approval for qualifying purchases made on the Goodyear Credit card at participating stores or on XXXX I contacted Citi on XXXX XXXX XXXX and explained what had happened. I was told that the promotion was not properly applied at time of purchase, and there was nothing that they could do to correct the issue. As I mentioned, advertisements for the no interest promotion are displayed prominently in the store. Similar ads are featured on the Goodyear website, as well as on the credit card statements I receive. There is no mention of a promo code in any of the marketing materials advertising the promotion. Therefore, I dont understand how the promotion would not have been applied when I made the purchase. As I mentioned, I purchased at least {$250.00} worth of Goodyear tires from a Goodyear authorized retail location. I have had this card for many years, and have never had an issue with promotions in the past. In addition to the call on XXXX XXXX, I have contacted Citibank two additional times using their online system. The first message was on XXXX XXXX and the second was on XXXX XXXX. I have yet to receive a response. I feel that Citibank is intentionally avoiding me in hopes that I will not take further action. The representative on the phone made it very clear that Citibank was unwilling to help. I find Citibank and Goodyears promotional marketing to be deceptive, and would appreciate any assistance in resolving this matter.
Consumer complaint received 2017-07-19
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. (TX)

This is account for XXXX XXXX XXXX XXXX is not my account I notified Trans union on this but they refuse to delete it. Amount XXXX.
Consumer complaint received 2022-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (AE)

I submitted a complaint ant it was given Complaint # XXXX. I just received a letter that it was suspected of being submitted by someone else so it was just cancelled. This is especially disheartening in that I submitted this myself and complained to a government agency who just cancelled it without verifying it or looking in to it. If it was suspected of being from someone else, shouldn't that be verified prior to just cancelling it. If CFPB won't take the complaint and the Department of Education Ombudsman won't reply, who I am supposed to go to? 

Please look at this original issue. I believe I have been given terrible advice through the years by both XXXX XXXX and Fed Loan Servicing on my XXXX XXXX XXXX XXXX. I am an XXXX XXXX stationed in XXXX.
Consumer complaint received 2019-06-03
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. (VA)

I have attempted to have numerous discrepancies corrected through the credit reporting agencies and recently decided to go directly to the creditor. After years of going back with XXXX XXXX XXXX, they finally found the proof needed to document the account as fraud. In XXXX XXXX sent notice to all three reporting agencies asking the account be removed from my credit file, and Equifax, unfortunately, still has this account on my report.
Consumer complaint received 2017-05-28
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: JPMORGAN CHASE & CO. (CA)

I noticed there 's a name XXXX, XXXX, XXXX on my Credit card report is incorrect. I do n't used that name. Also I did not open, the XXXX Chase credit card back in 2005. How do I fix this problem? My Email is XXXXXXXXXXXX
Consumer complaint received 2023-06-10
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 

15 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 15 U.S.C 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
Consumer complaint received 2022-02-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.