davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My social security number was affected in the XXXX  Breach. Since then Ive had all sorts of predatory loans popping up on all of my credit reports. 
I have disputed XXXX XXXX as an account which was not mine several times .With XXXX  , Trans Union , and XXXX. 
Each time I would dispute, the investigation would result in deletion of the account as XXXX XXXX is not able to verify. 
However, dispite XXXX XXXX  ability to verify, Here we are a year later and these agencies have allowed the company to reinsert the debt without validation, or the 60 notification I am legally required to recieve from transunion. 

According to the fair credit protection act, if a consumer disputes an account, and the account is found to be inaccurate, and deleted, both the reporting company and the reporting agency must notify me in writing if the same company tries to re insert the debt after they failed to verify. I have never been notified by any of the violating agencies that this company intended to reinsert this debt after deletion. 

These Agencies, who are suppossed to protect the comsumers continue to fail me wtih their security breaches and lack of due diligence. 
Case in point is, all three agencies are claiming that their information is correct and verified, dispite the fact that they are reporting varying information All three agencies are reporting a different amount for the SAME account named XXXX XXXX ( South Carolina ) Tranunion reports the account balance at {$390.00} XXXX  {$300.00} XXXX  {$480.00} All three numbers can not be right, nor can all three agencies be correct, so in fact all of the agencies are reporting knowingly reporting inaccurate information. 
Specifically under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) for knowing violations of the Act, the per violation penalty will increase from {$3500.00} to {$3700.00}. 
To add insult to injury, if you call XXXX XXXX they will tell you that they no longer own the account, and that a 3rd party company ( not listed on the report ) does and they will give you a number to XXXX XXXX  When you call that company XXXX, they will tell you the account is closed as well.
Consumer complaint received 2022-08-13
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. (FL)

Equifax is knowingly reporting false/inaccurate information due to identity theft on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate and Equifax is breaking the law.
Consumer complaint received 2021-10-14
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. (OH)

I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX XXXX XXXX  XXXX XXXX # XXXX 30 DAY XX/XX/2021 XXXX  XXXX  # XXXX XX/XX/2021. My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I wasunder the 1CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
I have an unverified account from a company I do not recognize the looks like a medical bill account that was paid in full to the service providers.
Consumer complaint received 2021-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CO)

Our mortgage was sold to phh mortgage a division of ocwen financial corporation in early XX/XX/XXXX effective XX/XX/XXXX. We have several complaints : 1 ) No loan documentation or loan servicing information about transfer was sent until we called multiple times. They said they sent it and provided a copy ( see attached ) but you will notice that the date on their letter is XX/XX/XXXX and it was sent via standard mail not first class so it would not arrive until far too late. We paid our XXXX mortgage payment on XX/XX/XXXX because we didnt have the letter to know that autopay would also be done. 

2 ) The letter provided says no autopay will be done until XX/XX/XXXX. However, the funds were taken from our account on XX/XX/XXXX ( see attached screenshot as proof ). PHH didnt even follow the terms provided in their own letter that was sent standard mail the day before they took the money from our account! 

3 ) we have been attempting to obtain back the extra mortgage payment since XX/XX/XXXX. We have called over 40 times, no one calls us back, they say theyve sent checks, they cant send the funds back electronically, and the issue is still not resolved. We cant go without {$3000.00} for month after month!
Consumer complaint received 2020-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

This complaint is against Shellpoint Mortgage and CFPB for ineffective response to previous complaints. Per attached, a Shellpoint representative has essentially acknowledged that the error is by Shellpoint 's escrow accounting despite months of claims the faults is the buyers. These complaints will continue until the issues is resolved.
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OK)

XXXX XXXX XXXX was paid in full and they sold to another company and have it as revolving unpaid with balance I paid in full to company that bought it but XXXX XXXX  wont remove the negative item from my account Im trying to buy my home this is one of a few holding me up
Consumer complaint received 2020-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MA)

REQUEST FOR XXXX  XXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX  XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK (MN)

I refinanced in XXXX with TCF Mortgage, in XXXX I refinanced again this time using XXXX. Now I am trying to sell my house but a title search has shown that TCF Bank didnt properly satisfy the mortgage with the county. I have been trying to get resolution from TCF Bank since early XXXX. When you call them you have a hour wait which I have waited but still dont provide help. You cant get a direct number to anyone and if you send a email to customer service you dont get a reply back. I have a title company trying to help with this but get the same results, in fact when they actually spoke to someone and asked to speak to a manager they were hung up on.
Consumer complaint received 2023-03-10
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC. (NJ)

Dear Santander Consumer/ Whom ever it may concern, Requst I'm requesting a copy of the credit application submitted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 and copies of any other documents regarding this matter, including denial letter. 
Reason On XX/XX/2022 I was mislead to believe that a credit application and contract was only going to be done by one bank ( not Santander Consumer ) and the car was new. It is my believe this contract was used as a red herring for them to say the second contract with the right bank ( XXXX XXXX XXXX XXXX ) which listed the car as new was an error. Inclose is a copy of both contracts from both banks and title.
Consumer complaint received 2020-08-29
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. (IN)

On XX/XX/2020 I faxed XXXX XXXX from XXXX XXXX XXXX a copy of the Promotional Inquiries and Account Review Inquiries of my Trans Union Credit Report. My Trans Union Credit Report does not show an inquiry from XXXX XXXX XXXX on XX/XX/2020. I received a letter from XXXX XXXX stating that " Our research found that when we review a customer 's credit report for a possible credit limit decrease or increase, the credit inquiry is a soft inquiry, which does not impact a customer 's credit score, and does not appear on a customer 's credit report. 
I feel this information is not true. My Trans Union Credit Report shows Promotional and Account Review Inquiries which all are soft  inquiries. I would like XXXX XXXX to provide me a copy of the soft inquiry credit report she received from Trans Union on XX/XX/2020. 
If she is unable to show me a copy of this soft credit report from Trans Union she received on XX/XX/2020, I would like her to explain why my credit card credit limit was decreased.
Consumer complaint received 2022-08-13
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. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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
Consumer complaint received 2021-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (OR)

On XX/XX/XXXX, I discovered that a collection account was posted by Southwest Credit Systems ( SCS ) to my XXXX, XXXX, and XXXX consumer credit reports. The reports indicated that the amount owed was {$140.00}, and that the original creditor is XXXX. To date, I have yet to receive a letter from SCS regarding this collection account. However, based on the information provided by SCS to the three credit bureaus, this debt is not mine. Together, the credit reports indicated that the last payment made to the XXXX account was XX/XX/XXXX ; that the date of first delinquency was XX/XX/XXXX ; that there was an account review inquiry to XXXX by XXXX on XX/XX/XXXX ; and that the collection account was opened on XX/XX/XXXX ( see attached supporting documentation Enclosures 4, 5, and 6 ). While I previously had an account with XXXX, that account was closed in XXXX of XXXX. That account was also in good standing at the time of closure. All fees had been paid as the account was set on credit card autopay, including a close-out payment of {$18.00} on XX/XX/XXXX, and all equipment returned ( see attached supporting documentation Enclosures 1, 2, and 3 ). Since closing my XXXX account in XXXX, I have not opened another account with XXXX, and am not the person who made the XX/XX/XXXX payment to the XXXX account in collection. 

I am submitting this complaint directly to CFPB to address potential violations of the Fair Credit Reporting Act, and am refraining from submitting any communication to the collector ( Southwest Credit Systems ) independently out of concerns for my privacy. 

As a XXXX  supporting the COVID-19 response, this matter is distracting my attention and time from serving Oregonians. I would, therefore, greatly appreciate the CFPBs assistance in resolving this matter expeditiously.
Consumer complaint received 2020-12-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

PayPal is knowingly and willfully aiding and abetting one of its account-holders to perpetrate fraud and evade taxes. On XX/XX/XXXX, I formally notified PayPal ( Dispute Case ID : XXXX ) that one of its account holders named XXXX XXXX ( aka XXXX XXXX XXXX ), who's based in the XXXX XXXX, California and has an active criminal record, is operating an unregistered and unlicensed California limited liability company called XXXX  XXXX XXXX. I notified PayPal that this unauthorized XXXX is collecting donations and fees-for-service via both PayPal and the individual 's own website. The PayPal account link is https : //www.paypal.com/paypalme/XXXX  ( archived at https : XXXX ). And the link to XXXX  own website, which operates as yet another unauthorized business named XXXX XXXX XXXX, is https : XXXX ( archived at https : XXXX ). XXXX previously had another California business called XXXX XXXX XXXX XXXX, which is now in XXXX-Suspended status ( see https : XXXX ). That defunct business met its end when the City of XXXX XXXX sued XXXX on XX/XX/XXXX ( Case No. : XXXX ) for XXXX 's failure to pay more than {$50000.00} that XXXX owed to the City. The City prevailed, winning a default judgment against XXXX for {$57000.00} XXXX ( see https : XXXX [ case index ] and https : XXXX [ case documents ] ). 

In addition to notifying PayPal about the above, I also provided eight independent and credible pieces of documentary evidence proving XXXX was operating multiple unauthorized businesses, with one of those businesses operating on PayPal 's own website. Despite all this, on XX/XX/XXXX, PayPal notified me of its decision to decline my case. To my knowledge, PayPal continues to knowingly and willfully aid and abet XXXX, one of its account-holders, to perpetrate fraud and evade taxes.
Consumer complaint received 2020-08-29
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. (FL)

Consumer Financial Protection Bureau : PLEASE STOP ALLOWING EXPERIAN TO CLOSE MY DISPUTE AS DUPLICATE. THIS IS NOT A DUPLICATE DISPUTE. 

XXXX XXXX XXXX  CONTINUES TO REPORT A FRAUDLENT ACCOUNT TO EXPERIAN AS BELONGING TO ME. 

I have notified experian. I have filed an identity theft affidavit WITH THE FEDERAL TRADE COMMISSION which I have attahced. I have also attached the police report of identity theft. I UPLOADED THE POLICE REPORT to Experian DISPUTE PORTAL 10 TIMES. 

EXPERIAN HAS PREVENTED ME FROM DISPUTING THIS FRAUDULENT ACCOUNT and ALLOWS XXXX XXXX XXXX  to continue to report EVEN THOUGH I MADE A FORMAL REQUEST TO HAVE IT BLOCKED. 

ON XX/XX/2020 EXPERIAN CLOSED MY DISPUTE STATING THAT IT WAS A DUPLICATE WITHOUT INVESTIGATNG OR ALLOWING ME TO DISPUTE IT ON EXPERIAN 'S DISPUTE PORTAL.
Consumer complaint received 2020-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EOS Holdings, Inc. (MD)

XXXX reported a {$670.00} collection account to the credit bureaus on XX/XX/XXXX. I disputed the collection account and it was removed. However, starting XX/XX/XXXX EOS CCA started reporting the same account amount {$670.00} as a new collection account even though it had previously been removed. I've disputed the EOS CCA account with the company. I've requested that they demonstrate that they are licensed in Maryland as required by Maryland statute, but they have refused to proved proof of license to operate in Maryland. Further, base don either the original XX/XX/XXXX XXXX reporting date or the XX/XX/XXXX EOS CCA reporting date, the debt ( if even valid ) is passed the 3 year Maryland statute of limitation and is noncollectable. My credit score dropped at least XXXX  points when EOS CCA started reporting the XXXX account as collectible. As a result I am unable to be approved for a conventional mortgage loan and I am currently at the low limit of qualification for a FHA loan. Just this month I was denied a rental application because of the EOS CCA collection account.
Consumer complaint received 2021-04-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (AK)

In XXXX Wells Fargo Mortgage held Deed to our home along with a Home Equity Line of Credit ( HELOC ). In XX/XX/XXXX we applied to have our home refinanced by XXXX Loans. Our loan was approved and our Deed of Reconveyance for the house was recorded on XX/XX/XXXX. The HELOC was paid in full at the time of the refinance but apparently was never recorded with the State of XXXX 

Moving forward to XX/XX/XXXX, we applied to refinance our home again, this time with XXXX XXXX in order to lower our rate from 3.75 % to 2.75 %. Everything was going smoothly until the underwriter and title company discovered that Wells Fargo Mortgage has never recorded that the HELOC was payed off in XXXX of XXXX. 

I have spoken twice with Wells Fargo Mortgage ( XX/XX/XXXX & XX/XX/XXXX ) being assured that this would be rectified. As of XX/XX/XXXX the Confirmation of Closure on this HELOC has not been recorded. I have spoken numerous times with XXXX XXXX and they have the excuse that the problem is due to the virus. I also have spoken numerous time with XXXX XXXX and they claim there is nothing they can due. 

Meanwhile what is normally a 30 - 45 day process to close on a mortgage has now been more than 90 days. We may have lost our locked rate of 2.75 % due to Wells Fargo Mortgages error, costing us thousands of dollars. 

Please advise what else we can do.
Consumer complaint received 2022-10-08
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. (SC)

I AM A NATURAL PERSON. I HAVE TIGHTS UNDER 15 USC 1681. MY CIVIL RIGHTS WRE VIOLATED NUMEROUS TIMES AND I AM REQUSTING/ DEMANDING THESE INQUIRY ACCOUNTS/ COLLECTIONS BE REMOVED XXXX XXXX NA XXXX XXXX XXXX XXXX NA XXXX XXXX XXXX XXXX NA XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE ARE NOT MY ACVOUNTS, WHICH LOWERED MY XXXX XXXX, HIGHER INTEREST RATES, PLEASE REMOVE THESE INQUIRIES/COLLECTIONS
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (VA)

I sent a dispute to Discover XX/XX/XXXX, with dispute number XXXX about services from a merchant. I had 30 days to submit documents, however, Discover closed the dispute case without even considering my documents. I called them on XX/XX/XXXX to reopen the dispute and they said they will not as this is a direct line of communication between them and merchant. They only considered the merchant 's response in completing investigation and refused to reopen investigation. Furthermore, XXXX, the supervisor I was speaking with stated she can not continue investigation because while I was not satisfied with the service and service was not as advertised on merchant 's website, I can't dispute that and they will take merchants side. However, on discover 's how to dispute credit card, it says directly that " Did you pay for something that was never delivered? Was there a quality issue that affected your ability to use your purchase, or the product you received wasn't as advertised when you charged your card to pay for it? While you'll need to make a good-faith effort to solve the problem with the merchant first, you can also dispute credit card purchases where there were these types of service issues. '' I gave evidence to Discover that services are not as advertised and they said that they could not open the dispute because I can't dispute a charge if I wasn't satisfied with quality. However, on their dispute process, it clearly states that is one of the reasons to have a dispute.
Consumer complaint received 2021-09-22
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: Experian Information Solutions Inc. (LA)

Major credit reporting company leaked my information spent countless months and money on lawyers to fix it filled identity theft contact reporting company personally wrote countless letters made countless phone calls still a dead end no answer and no solution or anyone to help!