davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-17
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

We were affected by the Pandemic ... A business venture we had projected as having promising possibilities was adversely impacted by the restrictions imposed by State Governments ... The Business  was based on XXXX XXXX in the XXXX XXXX XXXX. 
The Need for this XXXX  / XXXX XXXX / XXXX XXXX  is/was immense ... The potential Income from this XXXX XXXX XXXX career was intended to compliment our retirement benefits and provide additional career alternatives professionally! The Business never got off the ground and the Venture Capital, Educational Certification, Cost of Course Requirements, Licensing Cost, etc was spent with no realization of the eventual Pandemic experience ... We have had to restructure our Finances, contact Creditors, budget our Monthly Income against the Cost of Living! We leased a Vehicle at the end of 2019 when income and expenses for us monthly was convenient ... We had no idea what was looming Economically after the New Year ... In essence we have been able to manage our debts by corresponding with creditors and making payment arrangements that provides partial payments and eliminates hardships for us monthly! We have written to XXXX on several occasions asking for relief with basically no remedy ... XXXX 's response has been Lease Cancelation Notices, Money Demands that have been met at the cost to other Bills Monthly. XXXX has attack our Credit Report and Credit Rating relentlessly ... Their Customer Account Reps are totally unconcerned with anyone they service ... the Reps recite Corporate Policy on the Phone with No Recourse ; therefore, I have discontinued Phone contact ... It's Senseless!
Consumer complaint received 2022-04-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am not swayed that EXPERIAN has investigated the following accounts below properly. Their investigation about these accounts were totally incorrect. I am not seeing the reliable of the results if so ever they really conducted any investigation. I believe they have not reached out to the furnisher to validate. Therefore, I have sent out a couple of written complaints to raise this concern but other than the credit report I have, I have never heard any feedback from both Experian and the creditors. Make sure to explain the outcome of your investigation about these accounts : XXXX  XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$9200.00} ; DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$5200.00} ; DEPT OF EDUCATIONXXXX XXXX Date opened XXXX XXXX, XXXX Balance {$110000.00} ; DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$1200.00} ;
Consumer complaint received 2021-12-08
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. (MS)

I filled a complaint with CFPD XXXX months ago Case # XXXX. This issue is with a mortgage that was transferred from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX & XXXX. XXXX has sent a letter to all 3 credit reporting company earlier this month. This info is still reported twice on my credit report. I need this corrected asap I have made several call but nothing has change.
Consumer complaint received 2020-10-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MD)

The servicing was transferred from XXXX XXXX to specialized loan servicing XX/XX/2019, their billing was false I informed them but they refused to correct or address the issues : they made adjustments to the account when I asked why they would not tell me, they kept the adjustments concealed for 9 months
Consumer complaint received 2021-02-08
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: TD BANK US HOLDING COMPANY (KS)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2019, TD AUTO FINANCE add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written author ization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

Bought this vehicle at the peak of have a very good paying job at the time, around XXXX market had gotten bad, even though I want able to make my full monthly payments between dealing with the most unprofessional company they had no understanding that I needed help. I ended up losing my job still trying to pay on loan. My car was taken ( repossession ) cost me a lot of fees to get vehicle back.I spoke to a loan rep whom advised they would work with me on the reporting if I was buying vehicle back, Just to pick it up battery taken out my car because it went to junk yard and driver door dented. I called and told loan company about issue, was told manger. No call and stuck with repossession thats been hunting me ever since. Fast forward to XX/XX/XXXX I was hit from an accident, they were also notified due to COVID breaking out at the time insurance company didnt send them off payoff until XXXX now they have as a missed payment. Ive tried for past 5 years to get some help with this, spending lots of money for help. This is the only account that Ive ever had derogatory remarks on my credit. Its been very time consuming each time!
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
Remove accounts which are not belong to me.. Please review this and remove this as soon as possible.
Consumer complaint received 2021-12-08
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: EQUIFAX, INC. (NJ)

I am XXXX XXXX and I am submitting this complaint myself. This account is reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 

( XXXX XXXX )
Consumer complaint received 2021-05-27
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. (FL)

Bought this vehicle at the peak of have a very good paying job at the time, around XXXX market had gotten bad, even though I want able to make my full monthly payments between dealing with the most unprofessional company they had no understanding that I needed help. I ended up losing my job still trying to pay on loan. My car was taken ( repossession ) cost me a lot of fees to get vehicle back.I spoke to a loan rep whom advised they would work with me on the reporting if I was buying vehicle back, Just to pick it up battery taken out my car because it went to junk yard and driver door dented. I called and told loan company about issue, was told manger. No call and stuck with repossession thats been hunting me ever since. Fast forward to XX/XX/XXXX I was hit from an accident, they were also notified due to COVID breaking out at the time insurance company didnt send them off payoff until XXXX now they have as a missed payment. Ive tried for past 5 years to get some help with this, spending lots of money for help. This is the only account that Ive ever had derogatory remarks on my credit. Its been very time consuming each time!
Consumer complaint received 2021-12-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

I tried to apply for a mortgage and on my report it came back that I owed almost XXXX to a company called portfolio recov assoc credited by XXXX XXXX and it shows it was opened XX/XX/XXXX but I know for sure I didnt open or apply for anything in XXXX. I dont know where it came from or why they put it on my credit. I wasnt notified about it before it hit my credit. I Also didnt open the XXXX XXXX  account in XXXX i dont know why their on my credit.
Consumer complaint received 2021-07-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/2021 I had closed Bank of America IRA Account XXXX  XXXX XXXX  XXXX and moved the funds to a brokerage account. The balance was {$7000.00} and month interest was {$0.00} for a total {$0.00} for eight months. I understand interest rates are low and do not fault the bank forfeiting the {$0.00} cents because the maturity interest period was not complete. I do fault the bank for having the funds on deposit for over 15 years and changing Fee Rules after the initial deposit. The position they hold is XXXX cents inters or {$50.00} fee, with out making it know to the consumer. A no win situation for the customer. 

The issue I feel is the Trustee Transfer fee of {$50.00} for one transaction. The fee verses the interest rate is unrealistic. I called the bank and the were sorry for low interest rates, forfeiture of interest and sorry for the fee, but nothing they could do to change the fee. 
I am sorry to complaint about this usury bank fee, to close an account. I made attempts to find these rules posted and I was told they are listed on Bank of America website and to search for the agreement. 
I had the money in the IRA for years and this was not part of the agreement. I can see how Bank of America doubled they profits this quarter. The charge fees on simple transaction of closing an account. 

Please let me know what action I can take to recover the Trustee Transfer fee of {$50.00}, which was another name for closing an account.
Consumer complaint received 2020-11-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (OH)

I have a medical dept on my credit report that wasnt mine and have tried several different credit services like XXXX  and XXXX  to get it removed and i have had no luck at all and its the only negative item on my vredit report and its from 2016 and they still wont agree to llet it go its only {$700.00} but its not mine so im not going to pay it.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (PA)

In XX/XX/2022 someone tried to use my on line banking at XXXX Bank. We closed account and opened a new account. Recently I received a notice from TRS collection that I owed {$4000.00} for a debt owed to XXXX XXXX XXXX. I know nothing about this. It seems someone opened an account at XXXX XXXX Bank in my name and address to pay for whatever they spent. I told TRS this was not me and now they sent a list of paperwork to fill out. I am XXXX XXXX XXXX and trying not to get upset about all of this.
Consumer complaint received 2020-08-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I noticed about four months ago that there were unauthorized charges on my checking account. When I contacted BOA I was told that these charges has been coming out of my account for almost two years to the tune of {$4500.00}. I told bank of America that I have never have an account with uber eats and have never had food delivered to me from them. I did not notice these charges because I was not receiving my statements and I did complain to the bank several times about it. I dont do online banking because of personal reason and that is why it was so important to receive my monthly statements. Foe the bank to tell me that it was my problem and not only are they not returning my money to, but blame me for not noticing the fraud earlier. Yes my only crime is that I did not discover the bank incompetence early and I do take responsibility for that. XXXX   have asked several times for them to show me the proof how they come to the decision that the charges were authorized and they have not been able to do so. Those charges were directed to my checking account but they were not directed to my gmail account, my XXXX account or my phone number and I would at least like to know at least on e of the businesses or individuals, or restaurants who benefits from my loss so that I can at least be compensated in some way.
Consumer complaint received 2021-12-08
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: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, XXXX  XXXX  inform you that there is no third party involved in the process. I sent letters XXXX  Equifax Credit Bureau the date of the last letter was on XX/XX/2021. XXXX  now we are in the month of XX/XX/2021 XXXX  still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law XXXX  continued XXXX  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 XXXX
Consumer complaint received 2022-04-07
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: Experian Information Solutions Inc. (TX)

I was notified today, XX/XX/2022 by XXXX XXXX via email that there were new inquiries on my XXXX report and XXXX report, so I immediately looked into this knowing these were not initiated by myself. Experian shows inquiries from the following companies, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX shows XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX shows XXXX XXXX, XXXX XXXX, and XXXX XXXX. All of these inquiries appear to be 'Hard ' inquiries.
Consumer complaint received 2020-09-06
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: CBC Companies, Inc. (PA)

I applied for a refinance loan on a property with XXXX XXXX in XX/XX/2020. My credit report was pulled for the first time with my consent in XXXX. Three months later, due to completely unprofessional conduct in regards to proceeding with my loan application ( Covid slowed the process down by a bit, but not to the extent that mine was delayed ), the credit inquiry was close to expiring. On XX/XX/XXXX, I emailed the loan officer specifically about making sure my credit is not pulled a second time, and I was assured it wouldn't be. On XX/XX/XXXX it was pulled via XXXX XXXX a second time, this was without my consent. Since XX/XX/XXXX, I've repeatedly requested to XXXX that this inquiry be removed from my credit report. They have not done so. ( At five months into the process on XX/XX/XXXX, I had no choice but to move on to a different lender, since XXXX still could not get to the point of closing the loan at the agreed rate and closing costs that I signed off on in XXXX, and it was clear that proper and respectful customer service was not a concern for them. ) Since it was pulled again in XXXX, my credit score has dropped 20-plus points due to that new inquiry. I was told by XXXX at the beginning of XXXX it would take 10 business days to remove. It's been over 50 business days, and after having yet another conversation with XXXX about it, it was clear it is not a priority to get it resolved, at my expense.
Consumer complaint received 2022-10-10
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: EQUIFAX, INC. (TX)

In accordance with the fair credit report act. The list of accounts below has violated my federally protected c consumer rights to privacy and confidentiality Under 15 U.S.C 1681. ______ has violated my rights 15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish an 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 items of information other then records of conviction of crime which antedates the report by more than seven years.

15 U.S.C 1681 section 2 ( A ) ( 1 ) a person shall not furnish any information relation 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 2021-05-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (FL)

My account was closed with no explanation on XX/XX/2021. The email sent mentioned that I needed to contact support to get my balance if there was still a balance. No information or emails from Gemini until XX/XX/2021 ( during a giant crash in the virtual currency space with no access to my currency ). I had my account " unlocked '' on XX/XX/2021 but the currency was being held in their " Earn '' service and I'm unable to withdraw back any of the cryptocurrency because my account is unable to. On top of that, I can't access my account anymore because the SMS messages are not being sent by them when trying to login ( I know my username and password, confirmed by XXXX support that they have no text logs sent from Gemini ). Also, Gemini gave me 2 weeks to withdraw from XX/XX/2021 ( which I can't because the account is unable to be accessed and the currency is behind their earn platform ). Still have not heard back about resolving either of the following issues.
Consumer complaint received 2019-08-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DISCOVER BANK (CA)

I mailed a letter to Discover with my discover card and told them that I would be unable to pay any debt for my card or loan for at least three months and to cease attempting to contact me in any form except one phone call they may make in order to tell me they are filing a lawsuit and where I can go to get the summons. Since then I have been contacted at a minimum twice a day while I am at work totally ignoring my cease and desist letter.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2023-01-08
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. (MI)

In accordance with the Fair Credit Reporting act, XXXX Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXas 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