davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (AZ)

This is a follow up to CFPB Case Number XXXX. Dovenmuehle 's response does not answer the complaint. There response is the {$150.00} fee is non-refundable setup and maintenance fee per the Budget Drafting Agreement. However, multiple phone reps. gave incorrect information to the consumer. How is this in the best interest of the consumer and protecting the consumer? Zero accountability on Dovenmuehle 's side on their error. I will be taking legal action if the {$150.00} set up fee and interest of {$150.00} is not reimbursed to me via check. It is about principle of what is right and making it right for the consumer!
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The XXXX Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX-XXXXBalance {$240.00} XXXXBalance {$730.00} XXXX XXXXBalance {$20000.00} XXXX-Balance {$0.00} XXXX XXXXBalance {$360.00} XXXXBalance {$470.00} XXXX XXXX XXXXBalance {$0.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXXBalance {$130.00} XXXX XXXX XXXXBalance {$12000.00} XXXXBalance {$0.00} XXXX XXXX XXXX-Balance {$0.00} XXXX XXXX XXXX-Balance {$2400.00} XXXXBalance {$0.00}
Consumer complaint received 2022-04-28
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. (TX)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I submitted a dispute regarding a public record a few months ago ( 60 days approximately ) which was in writing via certified mail. The investigation resulted in no change and I inquired about how the dispute was investigated. I was informed a third party ( XXXX and XXXXI ) had provided information. I followed up with a second written dispute and provided supporting documentation showing an incorrect public record. I asked for a thorough investigation and explained why XXXX and XXXX had incorrect information, as they only had access to Pacer and did not contact the record holder. I provided a statement from the original placer of the record and confirmed XXXX and XXXX had not contacted them. After submitting the second dispute in XXXX the investigation was again closed without change and without reasonable investigation, so I opted for a 15 day reinvestigation, but was denied this right by the consumer reporting company who instead opened a new dispute and clearly stated they did not have to reinvestigate, even under 15 usc 1681 and with supporting documents. The item was not removed as required by law during the reinvestigation period and I was told that my documents were not reviewed by the third parties XXXX and XXXX. I would request the public record be removed as it contains an error and the consumer reporting agency did not investigate the claim properly.
Consumer complaint received 2018-03-04
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. (TX)

On XX/XX/2018, I reviewed all 3 credit reports and noticed that the late fees for XXXX XXXX  ( XXXX and XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX are still not reporting accurately. I've previously mailed letters, sent emails, and have made calls only to be advised that they are unable to update payment history and that I will need to contact the credit bureaus. The credit bureaus directs me back to the creditors. I am in the process of closing on my new home and the payment history/late fees are reflecting poorly.
Consumer complaint received 2023-02-24
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. (FL)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-03-04
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Credit Card Acquisitions Group (GA)

The representative of this company told me that they would garnish 45 % of my wages if a payment was not made within 40 minutes. The debt in question is not mine. The debt in question is in my husbands name. This was an attempt to scare me into making a payment. When I questioned this I was told that the company Foster and Monroe purchased the debt and were working in prelitigation on behalf of the U.S. Military and could start garnishing my wages on Monday without a court order. The collector called the company XXXX XXXX, but when I asked for the website he said Foster and Monroe. The collector also called me back to let me know that he knew where I worked and would have to contact them to start the wage garnishment. This debt they are referring to was acquired in XX/XX/XXXX, I married my husband in XX/XX/XXXX and I live in Georgia which is an equitable division state. Not to mention I was XXXX when the debt in question was acquired and legally not old enough to acquire such a debt. This is a scam and scare tactic to collect a purchased debt 16 years later by contacting a 3rd party.
Consumer complaint received 2021-07-20
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: NAVY FEDERAL CREDIT UNION (CA)

I was notified via XXXX that I had a 30-day late on my Navy Federal Credit Card. 

I was surprised as it has always been on autopay. I had {$1500.00} in the account to easily cover the {$20.00} payment. 

I was never notified by NFCU that I was delinquent I never agreed to remove auto payments I had plenty of money in my account to cover the payment of {$20.00} NFCU will not provide any help whatsoever. 

There has been several violations and a lack of documentation on their behalf.
Consumer complaint received 2020-11-24
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)

I have a letter from the data furnisher stating they already REMOVED an inaccurate bankruptcy from my report and sent a request for a dispute with Equifax on my behalf, with no response from Equifax. also i disputed with Equifax 10 times, each time they pretend they have investigated or reinvestigated but although they were provided with a copy of XXXX removal letter and a copy of a letter from the bankruptcy court, they still sending me E-Oscar generated responses which are UNACCEPTABLE. I am uploading all needed documents here again. please review my claim and resolve my problem. 
Also this is the 4th time that i submit this claim with the cfpb, each time receive the same ignorant response from Equifax.
Consumer complaint received 2018-10-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/18 my account went into overdraft in the amount of {$3.00}. I immediately deposited {$5.00} into my account which brought my account to current with a new balance of {$1.00}. 

I checked my account today to see if my travel check was in my account and it has not yet been direct deposited. I immediately noticed my account negative in the amount of {$43.00}. I did not have any new transactions and everything was posted into my account. 

I called the bank and I spoke to two representatives plus one supervisor and they all refused to give me my money back. I have my receipt from my deposit showing my balance was current yesterday. The first representative asked me a lot of personal questions from did I have a pay decrease, what is making me have financial difficulties, maybe I should cancel one of my bills that I have set up which is XXXX. All of these questions are irrelevant and none of their business. The bank took my money in fees and refuses to give my money back. 

It's not right!!
Consumer complaint received 2020-12-01
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

On XX/XX/2020 I received an alert via email from XXXX  that a new credit inquiry had happened for a Cabela 's Club account through Capital One. I called Capital One to find out more information and found that the card was applied for in XXXX, XXXX My address in the United States is in XXXX , WA , however, I live overseas working at an XXXX  XXXX  in XXXX , XXXX so there was no way this could have be me. Capital One has closed the account due to fraud and said it would be removed from my record but they told me to put in a report through the website to be safe in case there are any other cases.
Consumer complaint received 2018-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: REGIONS FINANCIAL CORPORATION (GA)

I didn't make these charges. Please advise. Here is the list : XX/XX/XXXX OTHER BANK ATM WITHDRAWAL FEE {$2.00} XX/XX/XXXX OTHER BANK ATM BALANCE {$2.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$89.00} XX/XX/XXXX OTHER BANK ATM WITHDRAWAL FEE {$2.00} XX/XX/XXXX OTHER BANK ATM WITHDRAWAL FEE {$2.00} XX/XX/XXXX OTHER BANK ATM BALANCE {$2.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$190.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$300.00} XX/XX/XXXX OTHER BANK ATM BALANCE {$2.00} XX/XX/XXXX OTHER BANK ATM WITHDRAWAL FEE {$2.00} XX/XX/XXXX OTHER BANK ATM WITHDRAWAL FEE {$2.00} XX/XX/XXXX OTHER BANK ATM BALANCE {$2.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$280.00}
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

I have recently been informed that there is negative information reported by CHEXSYSTEM in the file you maintain under my Social Security number. Upon reviewing a copy of my consumer report, I see an entry listing XXXX XXXX  XXXX such as my account was charged off {$300.00} in XX/XX/XXXX ( ACCOUNT ABUSE ) I challenge the accuracy, compliance and reportability of this listing. 

I submit my first complaint to CHEXSYSTEM on XX/XX/XXXX via chexsystem online portal and they fail to provide any validation for the above account that belongs to me. I submit a second complain via USPS on XX/XX/XXXX and chexsystems failed to respond until now XX/XX/XXXX. 

I was denied two ( 2 XXXX times for a bank account in the past 6 months due for CHEXSYSTEM reporting false and inaccurate information to financial institutions. 

I have attached a POLICE REPORT and notarized FTC Identity Theft Victim 's Complaint and Affidavit. 

Failure to respond satisfactorily within 15 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2021-06-02
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Byrider Franchising, LLC (IL)

They're attempting to charge me a debt for a vehicle I never purchased. I I was thinking about buying the car.I had he car 2 days then returned it because, it wasn't properly maintained had several engine issues. Sales Manager didn't want to honor me returning his car. 


XX/XX/XXXX -XX/XX/XXXX
Consumer complaint received 2018-03-04
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: Experian Information Solutions Inc. (NJ)

XXXX has failed hundreds of times to proof this account they are reporting on my Experian report belongs to me, further have they failed to prove that each transaction belongs to be. The reason is because it doesn't and it's causing me severe damage. This has been going on for more than 4 years. 
I already provided them a copy of my Identity Theft report and they refused to honor it although all other creditors honored it.
Consumer complaint received 2018-03-04
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: ENCORE CAPITAL GROUP INC. (FL)

I had credit insurance which negotiated and paid the original account but a collection company refuses to remove the information from my Credit Report and the original account is very old but it still shows it as open and a only 2 years old.
Consumer complaint received 2022-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent a letter on XXXX XXXX to XXXX. here is my tracking XXXX However the credit bureaus said they completed the investigation and everything was 100 % accurate. 

according to law 15 u.s. code 1681a definition : rule of construction The term investigate consumer report '' means a consumer report or port thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.however, such information shall not include specific factual information an a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 
How did they complete this investigation?
Consumer complaint received 2022-11-16
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX | XXXX XXXX NA 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 an account without my written instructions.
Consumer complaint received 2018-10-16
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. (CA)

This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have posted to my credit file. On a few separate occasions I have disputed with all three credit bureaus Equifax, XXXX, and XXXX  pertaining to a credit card with XXXX, Account # XXXX for the date of last activity, payment history, status and the dispute was returned verified. After some further investigation on my part, I am also concerned that this account and the reporting to Equifax, XXXX and XXXX  are inaccurate. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XX/XX/2009 ), this Notice includes : Identification of the specific information being disputed XXXX, XXXX  and Equifax reporting for Account Number : XXXX Basis for the dispute : The monthly payment, open date, high credit, last reported date, date last active, date of last payment and payment history are different and inconsistent between the three credit bureaus.

Supporting documentation : I have included the excerpts of my credit reports showing how this accounts is being reported.
Consumer complaint received 2022-11-16
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX & XX/XX/2022. 
I am unaware of this and did not approve this.
Consumer complaint received 2020-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I have sent a total of 3 letters to TransUnion and XXXX  in reference to unverifiable and inaccurate accounts listed on my credit reports. I have asked that they verify that the accounts were mine, provide me with their methods of verification, as well as provide me with a copy of any original documentation with my signature on it. Both TransUnion and XXXX have failed to adhere to my requests and these unverifiable and inaccurate accounts remain on my credit report. I sent these letters to TransUnion and XXXX  on XX/XX/2020, XX/XX/2020, and XX/XX/2020. I have attached copies of these letters ( that were notarized ) as well as Return Receipts for both TransUnion and XXXX. Despite my 3 written requests, the unverified and inaccurate accounts still remain on my credit report.
Consumer complaint received 2020-12-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (NJ)

This is an addendum to the previous complaint regarding making payments. As of today, Ally has reported to all credit bureaus because of the complaint I only posted yesterday that I am 60 days late. I made a request yesterday to Ally since I can not get any resolution, I made a request to voluntary surrender the vehicle. They accepted that over the phone and said that I should leave the plates on the car and someone would contact me in a couple of days. Ally is guilty of retaliation. I am attaching in full detail all of the proof of false claims on payments.
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Collection Management Services, Inc. (TN)

I had numerous inaccurate names and addresses on my XXXX credit report. I had 2 collection reports on my profile from the same company XXXX XXXX XXXX ( XXXX ). 
Collection Management services and XXXX XXXX XXXX never sent me validation of debt under Fair Debt Collection Practices Act. XXXX XXXX XXXX did a hard inquiry without my permission.
Consumer complaint received 2018-10-16
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. (CA)

This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have posted to my credit file. On a few separate occasions I have disputed with all three credit bureaus XXXX, Transunion, and XXXX pertaining to a credit card with XXXX, Account # XXXX for the date of last activity, payment history, status and the dispute was returned verified. After some further investigation on my part, I am also concerned that this account and the reporting to XXXX, XXXX  and Transunion are inaccurate. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XX/XX/2009 ), this Notice includes : Identification of the specific information being disputed Transunion, XXXX and XXXX reporting for Account Number : XXXXXXXX Basis for the dispute : The monthly payment, open date, high credit, last reported date, date last active, date of last payment and payment history are different and inconsistent between the three credit bureaus.

Supporting documentation : I have included the excerpts of my credit reports showing how this accounts is being reported.
Consumer complaint received 2021-05-24
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. (MI)

Submitted a dispute on XX/XX/2021 along with identity theft report. My dispute deleted some collections but the credit bureaus did not remove all the fraudulent accounts from my reports. 
XXXX XXXX and XXXX XXXX collections both need to be removed