davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-18
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. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (CA)

Three ( 3 ) mortgage servicers erroneously reported my mortgage as late on various dates ; beginning from XX/XX/XXXX through XX/XX/XXXX. 
I engaged a law firm to conduct a formal and written audit as the account was serviced and transferred from each servicer. Upon receiving the report showing substantial inaccuracies in the servicers reporting of those mortgage payment lates, I first disputed them with the three credit bureaus ; beginning on XX/XX/XXXX. 
When the credit reporting was not corrected, I then ( in writing ) began disputing the erroneous information directly with the servicers on XX/XX/XXXX, including a copy of the audit report. 
To date, the servicers and the credit bureaus have not corrected the information.
Consumer complaint received 2021-04-03
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: DISCOVER BANK (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-01-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX
Consumer complaint received 2024-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

For roughly 20 years, I have maintained multiple accounts with Chase Bank. 

In XX/XX/year>, my Chase private banker in XXXX XXXX XXXX, XXXX XXXX, informed me that the banks complianceXXXX  department was conducting a routine review of my accounts and required information, including supporting documentation regarding the source of funds regularly wired into one of my accounts. I promptly and dutifully provided all documentation to XXXX XXXX. 

On XX/XX/year>, I received a letter from Chase informing me that due to unexpected activities my accounts, credit cards, and safety deposit box will all be closed in two weeks. No supporting evidence or explanation was included in the correspondence, and none were provided over the phone from Chase customer service.

After decades of banking exclusively at Chase without any incident, this capricious and arbitrary act has created profound upheaval in my financial, professional and personal lives. I have only been loyal, dedicated and responsible Chase customer. Aside from the obvious advantage and familiarity that a personal banking system provides, all my credit cards are issued by Chase, and thus the loyalty and reward programs I have worked hard to maintain are now in jeopardy. I pay all credit card balances promptly and in full every month. 

I appeal to the CFPB to urge Chase to reconsider its decision. At the very least, I would request that Chase permit me to maintain my bank-issued credit cards.

I am fully prepared to engage in transparent dialogue with Chase and to provide any additional documentation and information regarding my financial activities that could help reverse this consequential action. 

Thank you for your assistance and attention to this matter.
Consumer complaint received 2022-11-18
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. (MN)

I am frustrated to see Transunion stall the removal of the item I am disputing which is a clear violation of my rights under the Fair Credit Reporting Act section 606b! I have been asking for proof of documents bearing my signature to prove the Credit Bureau claims that the disputed item belongs to me, and yet they sent me nothing! I have been offered help by my legal counsel to pursue legal actions but filing a lawsuit against Transunion and sue them for the damage taken due to their incompetence. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by the rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunionis neglecting to process it to the letter of the law. Please see what they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please eliminate this damaging data immediately. 

XXXX XXXX XXXX XXXXXXXX ....
Consumer complaint received 2021-09-20
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. (SC)

I have been disputing this issue since, XX/XX/2021 the credit bureaus is not responding to this issue. i have sent in letters for months. The information that is present on my credit file is not correct. They always say accurate are verified. I need to see documentation of these accounts in question, with original signature. They can not provide me this information. I want these accounts deleted from my credit file within 15 days.
Consumer complaint received 2024-03-24
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I voluntarily surrender the vehicle to credit acceptance in XX/XX/2022 due to a tragedy I asked for a financial hardship plan due to the tragedy and wasnt given any option the vehicle was sold and the remaining balance of the vehicle is still pending company have not contacted me in reference to resolving issue
Consumer complaint received 2022-01-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (KY)

( Credit Bureau Systems ) at ( po box XXXX XXXX, KY XXXX ) has been sending me collection notices in the amount of ( {$170.00} ) the collection opened XX/XX/2017 has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2019-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed.
Consumer complaint received 2019-10-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

Account # : XXXX This complaint is to inform you that the above referenced account being reporting by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I am disputing the following information directly with you, the furnisher of information, and I am AGAIN requesting that you conduct an investigation as outlined in the FCRA Section 623. I am again requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with any corresponding local state laws. 
I recently filed a dispute in with the CFPB on XX/XX/XXXX regarding this matter. I received a response back from XXXX XXXX. Per my request she failed to provide me with a copy of viable evidence, showing that the account is being reported accurately. 
Upon obtaining my credit reports again after her response, I still have several inaccuracies being reported across the three credit bureaus. This is direct violation of FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681S-2 ] XXXX states in her letter to me that the said account was charged off on XX/XX/XXXX. She also confirmed that I settled the account on XX/XX/XXXX but it did not post until XX/XX/XXXX. She did not address the issues that I have mentioned regarding the inaccuracies being reported across all credit bureaus. The investigation I requested per her response was never conducted, another violation. 
Again. The following are being reported as follows Date of last activity : Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : none reported Late Reporting : Date Equifax XXXX   XXXX XX/XX/XXXX 60days 30days ND XX/XX/XXXX 90days 60 days ND XX/XX/XXXX 90days 60days ND XX/XX/XXXX 90days 60days ND XX/XX/XXXX 120days 90days ND XX/XX/XXXX ND FP ND XX/XX/XXXX ND FP ND XX/XX/XXXX ND FP ND Per XXXX response if the account was paid in XX/XX/XXXX, how are you reporting FP for XX/XX/XXXX with XXXX? 

Im attaching proof of all my findings by providing copies of my credit reports across the bureaus. If you are not willing to provide me with some sort of proof to validate these reportings, I ask kindly that you delete or suppress this credit reporting due to the direct violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 )
Consumer complaint received 2022-09-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LJ Ross Associates (FL)

Date opened XX/XX/2021 Balance {$330.00} L J ROSS ASSOCIATES IN did a collection at my XXXX  score account. I dont recognize this debt. I wasnt living in this unit when the XXXX XXXX XXXX charged any amount. It may be possible that with the COVID pandemic they kept using my name for the electric service after I moved out.
Consumer complaint received 2021-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CO)

XXXX XXXX with Loan Depot with cash out for a remodel in XXXX, 2021. Made first payment via a one-time payment on XX/XX/2021 for {$2200.00}. Registered for Auto-pay on XX/XX/2021. Had to make one more one-time payment in the amount of {$2200.00} on XX/XX/2021, while Auto-pay is established. Received email confirming Auto-pay enrollment and first auto-payment would be made on XX/XX/2021. Received email confirmation on XX/XX/2021 that {$2200.00} was received for XXXX payment. Received email confirmation on XX/XX/2021 that {$2200.00} was received for XXXX payment. Received voicemail requesting a return call regarding loan at XXXX XXXX  on XX/XX/2021. Returned call on XX/XX/2021 and spoke with a representative who indicated my loan was was in default due to my XXXX payment hadnt been received and the XXXX payment was also due. I explained the loan was set up for auto-pay and successfully deducted XXXX payment. I was connected with a representative in the research department and was then told they attempted to apply the payment to the loan and the bank refused payment and that the account was closed. I have had this account at this bank for more than 15 years. I was told to submit the trace number and they would research it and that they had seen this same thing with other loans. In the meantime, this was reported to the credit bureaus and now my credit has been negatively impacted thru no fault of my own. I provided the info requested with the help of my bank, XXXX XXXX XXXX  XXXX. I called on XX/XX/XXXX to confirm receipt of the faxed trace info. The representative, XXXX insisted it was an issue I needed to work with my bank on. I conferenced my bank in on the call with XXXX and she proceeded to again state the issue was with the bank. The bank informed XXXX the funds were deducted and not returned. At this point I am out {$2200.00} and have a lower credit score and leery of sending anymore money if it cant be posted properly. I have requested to speak with the folks in the research department and am being given the run around. I have sent emails and filled out surveys in hopes someone from this very large company could call and talk with me. I experienced being put on hold/ignore for 25+ minutes or just being disconnected without a return call back. Loan Depot is being irresponsible and unresponsive leaving me minus {$2200.00} from my bank account, placed into default status on my loan and a lower credit score.
Consumer complaint received 2021-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc. (TX)

In XXXX around XXXX, the pandemic began economic hardship so I checked on my loan to confirm it was done. XXXX confirmed no loan due and in good standing. Few months later XXXX contacted me about an outstanding balance and said if I only paid {$100.00} via phone they would waive balance. I asked if they were sure because account was cleared. I paid over phone. On XX/XX/XXXX I began receiving calls from a company named NCB and XXXX XXXX informed me that it had purchased debt from XXXX. I briefed him but had to let him go due to family deaths. A second call came but voice mail from NCB. Then XX/XX/XXXX XXXX XXXX of NCB Management Service called me about an alleged balance due of {$1700.00}. Informed her of facts and said I would complain to CFPB.
Consumer complaint received 2021-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I was going over my credit report and there is XXXX XXXX XXXX which was opened on XX/XX/2018 and it is reporting as a negative account. I do not know this company. I have never done any business with them and they do not have a contract with my signature.
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NJ)

I have tried seven times to log into the equifax.com website to put a freeze on my credit report. I started trying last Thursday ( XX/XX/XXXX ) and tried on Friday and again this morning ( XX/XX/XXXX ).

Each time, I filled out the required form in step one, but when I hit enter, there is an error ( after waiting for about a minute ) that says " We are currently unable to service your request. 
Please try again later. '' Then I tried to call their customer support to have them do it over the phone. When I click on the " Customer Support Center '' tab on the website, I get the following error on the website it goes to : " Error 500 : 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  " I I have completed the freeze on the other two credit reporting agency website. Unfortunately, the one agency I am most worried about ( namely Equifax ) I can not freeze my credit. I am VERY upset and worried about this situation. I feel that my financial stability it at risk because their website and phone lines are not available for this critical service.
Consumer complaint received 2019-03-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMCOL Systems, Inc. (KS)

XXXX XXXX is showing I owe over {$400.00} for an account that was paid off to via XXXX XXXX. I disputed this on my XXXX  account as it should not be on my credit record. I also confirmed via XXXX did receive payment in full & checks all cleared the bank. XXXX didn't investigate at all. They took amcols word that I owed the money even after I told them I paid it in full to via XXXX. XXXX from amcol was still trying to collect payment & i told her they need to call their client via XXXX becausenit was paid in full. It should not even be on my credit report. I'm having no luck with people wanting to do their job & have this rectified.
Consumer complaint received 2018-09-27
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. (UT)

XXXX XXXX is reporting erroneous information on my credit report. They are reporting & attempting to collection a debt for XXXX liquidators that has already been paid and the deed transferred. IT even says Paid in full on the report yet they continue to update a balance and attempt to collect an erroneous debt. 
The credit bureaus have been disputed as well and unless they can provide proof that this is mine, NOT XXXX XXXX ... the creditor & the bureaus are all in violation and the next correspondence will be from my attorney & I am contacting the attorney general in your state of operation.
Consumer complaint received 2021-03-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: C2 Financial Corporation (CA)

I contacted XXXX XXXX on XX/XX/XXXX to do a refinance on my house. XXXX tells me she should be able to close in early XXXX of XXXX. On XX/XX/XXXX an appraisal was performed on my home. I sign more documents in XXXX and sent bank statements and pay check after sending initially when I submitted the application. 30 days pass I emailed the broker status On loan and she replies they can not get a hold of my HR department but they got a reply soon as I emailed for status. I told the broker my coworker that works same position as me I work with directly started his refinance process about month after me and just closed in middle of XXXX. XX/XX/XXXX signed closing disclosure and was told few days later needed more documentation and the same documentation I already sent. XX/XX/XXXX I signed another closing disclosure and once more they did not close. I tell the broker that I am dissatisfied how long its been. The broker brings up more excuses that cant calculate my income and needed my paycheck stub once again XXXX my pay stays the same for base pay ) she was going to contact my HR personally and finally get it done. I questioned how this was not figured out earlier 3 months has already passed. XX/XX/XXXX my flood insurance company finally was notified by C2 to switch information with them. XX/XX/XXXX I emailed once again for status and was told waiting for title to switch. XX/XX/XXXX I emailed for status and broker did not reply. This is my 4th home in 12 years and also my 4th refinance I do know what documentation is required.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it again. there are accounts that need validation in order to be verified. 
My credit report includes the following erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (CT)

I have had a credirt card and did not receive my billfor at least one year, then it was placed in collections and I questined them. Their was an address issue, they did credit me interest charges for a year and I asked them because of their error to pay some of the principal balance. They rejected this