davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Statebridge Company (SC)

Statebridge debt correct has hit my credit an droped it saying i was 30 days late on a payment i tryed to reach them for monthe no answer to emails calls or call backs to take my payment tryed to pay on line and saids we didnt have your info so i reach out to XXXX  to get them to contact me still no calls got plent of paper trails where they tryed also to reach out to them. Finally got a call back an was told sir im not here ro fix ur mistakes and no you can not talk to my boss, so i need this credit issue fix cause they finally took my pyments after yelling am cussing an they hit me again
Consumer complaint received 2021-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (GA)

An authorized inquiry was found on my credit report and after requesting the initial source to investigate and have it removed, they didn't. Instead I was sent a rebuttal letter ( lazy letter ) instead of providing the written proof of authorization.
Consumer complaint received 2021-10-12
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. (NJ)

This is the second CFPB complaint that i am filing about account ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX i filed the first complaint stating that On XX/XX/XXXX i sent a hippa letter to XXXX credit Bureau on XX/XX/XXXX they sent me an notification on XXXX stating that they have updated the app but nothing was changed.. After that i followed up with another dispute that was sent out on XX/XX/XXXX stating that XXXX was reporting a Date of last activity as XX/XX/XXXX with a account status showing as closed and transunion was reporting a date of last activity as XX/XX/XXXX with a account status as open. And if all this information suppose to be coming from the same creditor how is the information thats being reported are all different. I received an email on XX/XX/XXXX stating that the information was updated but nothing was changed..On XX/XX/XXXX i Sent a dispute stating that the account was closed and put into collections on XX/XX/XXXX but the status of the collection has been reporting collection every month and according to the FCRA thats illegal and it alters the dola date. After sending this first complaint the company sent a message stating that they were gone to investigate it on XX/XX/XXXX they were still supposedly working on it.. Then on XX/XX/XXXX I received a email stating that the dispute was finished and updated but when i went to check the results absolutely nothing has been changed its the exact same way and reporting the same info as before the dispute
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IL)

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

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes
which antedates the report by more than seven years.
Consumer complaint received 2020-11-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

ALL 3 CRA REPORTING OUTDATED ACCOUNTS SINCE XXXX - XXXX ... NOT MINES/ NEVER DONE BUSINESS WITH COMPANIES : " XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL, XXXX  XXXX XXXX, XXXX XXXX ''
Consumer complaint received 2021-05-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (MO)

THIS IS NOT A DUPLICATE REQUEST I filed 4 claims on XX/XX/20 on transactions after my online savings account was fraudulently accessed online and four XXXX transactions were were fraudulently sent from my account to someone named XXXX XXXX. On XX/XX/20 those claims were denied stating the transactions posted as requested. I submitted a second claim on XX/XX/20 after receiving this information. I did my own research and went to US Bank to obtain any information that they could give me on the XXXX transactions that were sent from my account. I spoke with XXXX XXXX who provided me with the person 's name, XXXX XXXX and bank, XXXX XXXX the transactions went to. From there I went to XXXX XXXX and spoke with the Assistant Branch Manager, XXXX XXXX. While speaking with her she verified that the XXXX transactions that those funds did indeed go into XXXX XXXX 's account. She contacted her fraud department to see what they could do on their end but she said unfortunately there was nothing they could do on their end and that US Bank she re open the case. After I left XXXXXXXX XXXX I went to the Police department to file a police report on the situation that occurred and spoke with officer XXXX case # XXXX. A little background, Back on XX/XX/20 my car was broken into and my purse holding all of my personal information was stolen. I filed a police report with Officer XXXX case # XXXX if you need to verify. My guess is, that information was used to access my account and fraudulently send wire transfers from my account. I don't know a XXXX XXXX and would never authorize 3 XXXX transactions to be sent to one individual in one day then turn around three days letter and send another transaction to the same individual. I have been in contact with the US Bank Fraud department several times, with no results. Please someone help me to make this make sense. I feel like I have done everything I can do and have contacted everyone I can contact and have still not gotten results. Today I contacted XXXX XXXX 's Probation Officer XXXX XXXX to let her know of the situation. She is in the process of submitting paperwork for probation violation. I am hoping the have this situation resolved as I have only received minimal communication in regards to my account.
Consumer complaint received 2021-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (TX)

Care Credit has been harassing me about a debt that I do not owe via telephone and mail. i have told them numerous times that I do not owe any debt and that I am not paying any alleged debt. 15 USC 1692b ( 2 ) -Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; 15 USC 1692b ( 5 ) ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; Care Credit has violated my federally protected consumer rights by decreasing my credit limit and increasing my usage to damage my reputation via my consumer report. This is discrimination pursuant to 15 usc 1691. They ruin my reputation according to 15 usc 1692d ( 1 ) and financially injured a consumer by lowering the credit amount also now I have to work more to get the balance down to avoid that high debt to credit ratio by lowering the limit. These are unfair practices pursuant to 15 usc 1692f.

I have sent letters of me disputing this alleged debt. I have also sent them an affidavit of truth, debt validation, cease and desist.

I would like all payments returned back to me via mailed check and any part of the amount of the credit balance remaining. 15 usc 1666d ( C )
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MN)

I sent a dispute letter on XX/XX/XXXX through Certified Mail requesting a reinvestigation and the Method of Verification for a bankruptcy on my credit profile. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). The credit bureaus has been non-compliant and didnt complete the dispute in 30 days. I further remind the credit bureaus, as in Wenger v. TransUnion Corp., No. 95-6445 ( C.D. Cal. XXXX, XXXX ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. XXXX cant verify this account and the Bankruptcy court cant verify Bankruptcies due to privacy laws. The public record is non compliant, inaccurate, and unverifiable.
Consumer complaint received 2020-12-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2020 I sent disputes to the credit bureaus regarding inaccurate accounts reporting on my credit reports. It is XXXX and I have not received any results from the investigation. Legally the credit bureaus have 30 days to complete an investigation. It has been over 90 days and nothing has been done. These accounts need to be deleted from my credit reports immediately or I will file litigation due to the stress this has caused me. My infomation was impacted by the XXXX data breach and could have gotten in the hands of the wrong person. XX/XX/2020 I Sent an additional letter to the credit bureaus and they have ignored that one as well.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (MO)

I didn't authorize or give permission for my credit to be process for hard inquiry by these companies and would like for this information to be removed. While getting my oil XXXX  XXXX a salesman approached me asking if I was curious to possibly receive an upgrade. I said i'm in the process of buying a home and I don't want any hard inquiries on my credit report. He assured me that I will not get any hard inquiries and he was just going to run my information in house on a soft pull to see what I was eligible for. He became pushy and aggressive trying to force me into signing paperwork for a sale that I didn't want. I rushed to the service area to get my vehicle and immediately left because I was angered at the way I was being treated in that dealership. I later saw the hard inquiries on my credit report and returned asking him why did he lie to me. He laughed in my face and called me stupid. I asked to speak to a supervisor and request to receive a copy of the document that they said I signed giving them permission to run my credit. No document ever existed because I never signed anything. This dealership was unwilling to provide a simple statement in a letter for me to remove the Inquiries off my credit report.
Consumer complaint received 2023-04-06
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. (VA)

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO. (FL)

XX/XX/2020 at XXXX XXXX  I answered the call after ignoring 15+ times, or getting to the phone late. I let the man named XXXX finish his intro and let him know " Do not call '' I repeated this phrase over 5 times giving him a chance to respond each one, he demanded to know who I am or else he can not file the DNC and they will keep calling. I have done collections myself and know that you can mark a phone number as DNC without having an account pulled up.
Consumer complaint received 2019-08-21
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Specialized Loan Servicing Holdings LLC (ME)

For the past 9 years, I have had a XXXX XXXX XXXX XXXX XXXX XXXX which was in good standing in my name. I paid the amount monthly - even after my ex-husband applied for Bankruptcy and was discharged under his name ( his name still remains as a co-borrower ). 

Recently, XXXX XXXX XXXX sold my loan to XXXX XXXX, which then authorized Specialized Loan Servicing ( SLS ) to administer the loan payments, etc. SLS appears to be more of a collection service bureau than a financial institution. 

XXXXk XXXX XXXX sold my loan on or around XX/XX/XXXX. I was notified by XXXX of the sale to XXXX XXXX and was informed that I would receive information soon from the new loan company. I did not receive ANY paperwork, information on where to pay my loan, etc. until XX/XX/XXXX. I received a letter from Specialized Loan Servicing indicating that my home equity loan is now delinquent, and I needed to contact SLS to discuss possible loss mitigation options. I was able to navigate the SLS site and set up an online account. I had difficulty adjusting the payment that covered a specific time line, the site would only allow for me to make the past payment due PLUS a payment that was due in XXXX. I was able to call SLS where they were willing to take the payment that was currently due. On XX/XX/19, I logged on to make my XXXX payment - and once again, the site would not allow me to adjust the current payment due ( {$220.00} ), instead a payment of {$470.00} ( covering XXXX ) was ordered. Also, I am not able to change my method of payment. I want to use a different debit/credit care and the SLS website will not allow me to do this. 

The SLS site and XXXX XXXX company is very difficult to navigate and communicate with. When I call, and enter my phone number ID, they claim that my phone number is not identified with my account number. SLS has also marked me down as making two late payments, when that is not a fair assessment. I do plan to refinance this loan in the next few months, but I am trying to pay down other finances first in order to be eligible for a lower interest rate. Please assist. Thank you. XXXX XXXX
Consumer complaint received 2019-08-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (AK)

I received a phone call from XXXX. When I answered, they hung up. I called them back, it was a business called XXXX XXXX XXXX. I spoke with a man and requested he give me the mailing address for his company, that I would like to send him correspondence on not contacting me anymore. I asked for their mailing address no fewer than 6 times, and when I finally realized he was not going to tell me I asked him to take my number off their list. They called me at work, and I thought I missed a legitimate phone call. I do not have any debts in collections, I should not be receiving phone calls from debt collectors at all. But calling and then hanging up on me when I answer is ridiculous and childish. Failing to provide me with their mailing address so I can ask them to stop contacting me is ridiculous and childish. This is the first correspondence I've had with this company.
Consumer complaint received 2019-08-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc. (NE)

We sent a payoff loan check # XXXX and mailed the check at the end of XXXX and it was never applied to the loan. Now the company is saying we are two payments behind. The company is trying to charge us late payment fees. The company has reported late payments to the credit report companies in spite of being advised of the payoff check and amount of the check. The representatives have been rude and not helpful at all. I think this was intentional of the company because this company is known for being dishonest. They charge hidden fees to receive payments, which we were unaware of when we accepted the loan terms. I think the reason this company wanted to give us this loan was to buy and sell our personal info. This company has been harassing us nonstop almost immediately.
Consumer complaint received 2020-06-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY (FL)

Applied for a loan with TD Bank. Submitted necessary application received been Conditional Approval on XX/XX/20. Uploaded all documents necessary for final approval. 
Received documents in mail to review. Initial rate on 7/1 ARM was 3.25 % on Loan Estimate. 
As part of the loan documents, I received a Rate Lock Agreement. This Agreement included a Standard Rate Lock for a period of 90 days. 
The Agreement included a Float Down Option which allowed a one time adjustment if the " current Bank advertised rate was 0.25 % lower than my current locked interest rate '' ( 3.25 % ). 
The Early Arm Disclosure Statement stated The Index is LIBOR12M. The Loan Estimate also included an AIR Table specifying the Index + Margin as LIBOR12M+2.25 %. 
During this process the Index moved lower and I requested the one-time Float Down on XX/XX/20.On XX/XX/20, I received an email stating ; " There is no float down available for this application today. The market is not a full .25 % lower '' after my contact stated she reached out to her " pricing department ''. 
Correspondence back from lender stated that the bank uses the SOFR index to set the Float Down rate. 
Numerous email correspondence and unanswered telephone messages requested clarification on the index and continued request for a Float Down. 
On XX/XX/20, I notified the bank that : " If do not hear from someone from your bank regarding the index question ( SOFR vs LIBOR ) by XXXX XXXX today, I will be reporting this issue to the FDIC and Office of Financial Regulation ( OFR ) for their review. ''
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (RI)

XXXX is reporting late payments every month on a close collection account i reported this account to CFPB last year and the collection responded that this account was closed.. I disputed this account numerous time they are still reporting late payments every months and up dating the balance XXXX deleted this account but Experian does not want to delete this inaccurate account that is in violation to the CFPB. 

Company name XXXX XXXX XXXX XXXX number XXXX
Consumer complaint received 2020-10-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CO)

Dovenmuehle Mortgage , Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX To Whom it may concern : I do not agree to paperless communications for any of these loan information. All documents and other communications shall be sent by my mailing address and my email address. Please do not collect, use and disclose any of my personal and loan information to anyone.

Please mail or email all of these mortgage statements from 2016 to present and future statements. All correspondences shall be sent to my mailing address and email address. 

thank you, XXXX XXXX This is the letter I sent to Dovenmuehle Mortgage , Inc last month and have not received any response nor documents from them regarding this request. I would like all my mortgage statements ( past, present and future ) to
be sent to my mailing address, immediately.
Consumer complaint received 2021-05-01
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: DISCOVER BANK (FL)

VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX XXXX AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX  AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Consumer complaint received 2023-01-30
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. (NY)

I am making this complaint by my own free will not with a third party but me myself and I so please do not close it down. Please submit it to the credit reporting agencies. so i was looking at my credit report and i noticed that there were some accounts i didn't recognize so i wrote to the credit bureaus asking them to remove the accounts that didn't belong to me and i never heard anything back and the accounts are still on my credit.