davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (VA)

its been 90 days since I ordered furniture on my debit card and the company never responded to my inquiries and never sold me the furniture that I spent well over {$2500.00} on. bbt has yet to refund me for these fraudulent transactions and its been well over 30 days since I filed a dispute. bbt has also blocked me from being able to call customer service saying I entered an incorrect code which I have absolutely no knowledge off so I cant even check on the status of my claim. I went to the branch and ofcourse she didnt speak XXXX well or at least pretended not too. BBT is always moving my transactions around, and changing the amounts of my transactions, which is illegal. I want my money back and my account fully audited
Consumer complaint received 2021-05-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

In XXXX of 2021, I filed a dispute with this bureau about the unverified account XXXX XXXX XXXX Account number XXXX. I have asked numerous times for a response and I have not received anything in response from these bureaus in over 60 days.. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about violation as of today. Thank you
Consumer complaint received 2018-02-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CIT BANK, NATIONAL ASSOCIATION (FL)

CIT BANK NA The company sold a property that I was a co-owner and I was not notified of the sale. 
The property was re-financed onXX/XX/XXXX for {$240000.00}. It was then sold on XX/XX/XXXXfor {$290000.00}.
Consumer complaint received 2022-04-06
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. (FL)

In accordance with the Fair Credit Reporting act- XXXX XXXXXXXX and XXXX XXXXXXXX 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 2021-12-03
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: EQUIFAX, INC. (AR)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The EquifaxCredit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;
Consumer complaint received 2021-05-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XXXX of 2021, I filed a dispute with this bureau about the unverified account XXXX XXXX XXXX Account number XXXX. I have asked numerous times for a response and I have not received anything in response from these bureaus in over 60 days.. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about violation as of today. Thank you
Consumer complaint received 2021-07-15
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. (OH)

On XX/XX/2021, I filed an dispute about incorrect information showing on my credit report and it's be well over 30 days and I haven't received any investigation results.
Consumer complaint received 2022-04-27
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: WELLS FARGO & COMPANY (WI)

I made ( 2 ) separate purchases on this card. One was XX/XX/2022 for {$870.00} for a XXXX XXXX. The merchandise was delivered with extensive damage done to the box. I only discovered it about 10 days later when I moved the box and saw the damage. 
On approximately XX/XX/XXXX XXXX I notified the company that the items was delivered with extensive damage to the box it came in. I wanted to return it. First they said it would charge me $ XXXX then they apologized and said they would take it back for free. 
I filed a dispute with my credit card company- Wells Fargo . I have called them twice ( once per chat box ), and have emailed them pictures, etc. Today it is XX/XX/XXXX, XXXX I still have NO provisional credit for the charge- and I'm being charged interest on the entire balance including the disputed amount! I do not feel that is fair. I don't know if that's even legal but they're doing it. The other charge was for {$50.00} for a subscription that renewed automatically. I contacted the merchant to cancel my order- in fact I have sent 2 emails and they don't even respond. I also disputed that with Wells Fargo- and have NO provisional credit and am also being charged for the FULL finance charges.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I have submitted information to experian that this account with XXXX XXXX  was cancelled and no balance is due. I submitted a 1099c. Experian updated my account as a charge off and its now reporting as a new charge off for XXXX and XXXX. This debt has been canclled since 2016 and should not still be reporting as a chargeoff. I called experian and the rep advised me that XXXX never advised them the acct was cancelled. I have spoken to XXXX and they confirmed that the account is cancelled and they dont know where experian is gathering the information.
Consumer complaint received 2022-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (NV)

I've filed two complaints and they've both been closed. XXXX and XXXX XXXX. When I check the status, it says I didn't respond, this is incorrect. I have not received an email or a letter, I would respond. I've been locked out of my checking account with Truist for almost two months now. I had to stop direct deposit, because again, the bank will not give me access to my account. My ATM card no longer works, they are holding nearly all the money I have.
Consumer complaint received 2021-05-06
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts I noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the outcome was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX that listed on my credit report. Furthermore, this account can not be 100 % accurate as there are open dates they have listed on my credit report that varies between the 3 bureaus. How can one account be opened on different days? I want their alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-12-03
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 — Was not notified of investigation status or results
Company: Receivables Performance Management, LLC (GA)

I filed a dispute in regards to incorrect items on my credit report. It has been over 30 days and I have yet to receive my investigation results. I demand that these items be deleted at once from my credit report as this has caused XXXX
Consumer complaint received 2021-05-06
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: SIMM Associates, Inc. (TN)

I am receiving medical bills for a extensive XXXX  XXXX in 2020 that I did not have. I did not have any XXXX XXXX in 2020. As for XXXX XXXX XXXX. Refinance at the lowest available rate. Ive never been able to get that. XXXX home Equity loan valid For 5 years at the lowest available fixed rate. Allow other XXXX people to get home equity loans at the lowest fixed rate.
Consumer complaint received 2021-05-06
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: Experian Information Solutions Inc. (IN)

I've never done business with XXXX XXXX XXXX I've been disputing this account several times attempting to remove this fradulant item from my experian credit report and they refuse to remove the item. I've repeatedly informed XXXX XXXX XXXX and Experian that I've been a victim of identity theft and I've never done business with them and none of these entities has tooken action to resolve this issue which is affecting my life and my families life. They've broken the law and has caused me to lose opportunities to access funding for my business and credit cards for personal use
Consumer complaint received 2021-05-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Flagstar Bank, N.A. (NY)

Flagstar reported that I was 90 Days delinquent in Mortgage Payment. 
The loan for XXXX XXXX  XXXX  XXXX  was initially taken out XXXX XXXX Loan # XXXX and my mailing address at the time was XXXX XXXX  XXXX XXXX, XXXX, NY XXXX. I had automatic payment set-up for the mortgage payment from my bank acct. for XXXX. We moved away to our new address : XXXX XXXX XXXX XXXX, XXXX, NY XXXX and the mortgage was sold from XXXX to XXXX ( Loan # XXXX ) last year XX/XX/2020. In the interim all notices went to my old address and was not aware of the mortgage transfer. By the time I became aware 3Mo. payment lapsed. When I became aware, I paid off the balance in a Lump Sum amount and brought the Flagstar Acct current. We request that the negative credit reporting from Flagstar be expunged and retracted. We are available to further discuss this and may be contacted on my cell # XXXX. I would like to thank you for your favorable consideration of this request as our records prove that never before missed a payment on our previous payments and loan XXXX XXXX.
Consumer complaint received 2021-05-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MO)

I have been a victim of XXXX XXXX and therefore have been in a forbearance. I had requested a loan modification on two occasions- XX/XX/XXXX and XX/XX/XXXX. I was told in XXXX to continue the forbearance since my financial situation had not improved. In XXXX, I explained the same and 53 bank told me they would lower the interest to the Fannie Mae current rate and extend my mortgage by 10 years. Sounded great - however when I received the paperwork my payment INCREASED!!! I called and called and sent messages in the portal system- to no avail! The only thing I was told was we dont know I guess your loan is too new I pointed out to several people during this time in XXXX that the interest rate was NOT lowered. Nothing .... no help! 
So I am again in forbearance. 
I have since received multiple statements - all with different amounts including the change to my escrow due to forbearance- and all of them are different and conflicting. 
I have asked for help to explain- once again NOTHING. 
I keep getting told someone will contact me in XXXX to review my options and a deferment will move all the amounts to the end - once again THIS IS NOT HELPFUL!!!! 
I cant afford my payment- I need a lower payment!!! I need a modification- I cant afford for myself and my XXXX children to be on the streets! I have a ton of equity in my home and none of this was my fault!! Ive asked time and time again why arent they trying to help people not lose their homes!! 
Please help.
Consumer complaint received 2018-12-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (OK)

I've been getting phone calls from Navient on my work phone for someone who hasn't worked here for 10+ years. I've informed them multiple times that he doesn't work here, and to stop calling. I've been getting these calls for my entire time that I've worked here, 8+ years. Some calls, in the past, have come in multiple times per day.
Consumer complaint received 2021-05-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (PA)

an unknown account that is not mines have damaged my credit as well as been reported in error. this account is mine, they also removed it back in XXXX because it is not my account and said they would remove all my information from their databases and Credit bureaus but today XX/XX/XXXX and debt collector by the name of CREDIT MANAGEMENT L, this is not identity theft and is going against the fcra i want this removed immediately FOR GOOD
Consumer complaint received 2018-02-26
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: DLC, LLC (UT)

Recieved a Loan from XXXX XXXX XXXX date unknown. Last payment made was XX/XX/XXXX for an amount of XXXX $ Total Loan taken was XXXX $ I had told the company I was recently in a car accident and would need time to pay back loan amount. I continued to get calls and voicemails 3 to four a day within a two hour period. I had requested that they stop calling me and I work something out with the caller but the next day the calls will return. On XX/XX/XXXX I received a notice from my HR that they had been contacted about a loan in my name and again on XX/XX/XXXX. I was under the impression that other than employee verification my employer would not be contacted especially not to discuss my loan
Consumer complaint received 2021-11-28
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. (GA)

On XX/XX/2021 I sent a Debt Verification letter to XXXX XXXX # XXXX and i did not receive any correspondence withn the time frame intended. since then i have been disputing this account for 6-7 months. I have not gotten a investigation on my acccount this is truly affecting my credit and my ableness to get credit. Transunion continues to report this misleading information. I have been violated of my consumer rights with transuion refusing to do a investigation. I will be listing out the laws were violated. 

15 usc 1692c ( c ) ( XXXX ) ( XXXX ) ( XXXX ) 15 usc 1692j 15 usc 1681i ( A ) ( XXXX )
Consumer complaint received 2019-08-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (TX)

Diversified Consultants Account XXXX Amount ; {$2700.00} Company received merchandise backed as a result of a trade in device. Paid final bill and company is attempting to Collect on a late fees that were generated as a result of them not canceling all lines on the account as requested when the account was pulled and merged to a different provider. XXXX failed to cancel this account. I have spoke with numerous of executive offices who have not settled the matter. Please display documents and multiple phone calls and notes from agents to display my request. Please note that if we owed any said money to XXXX at time of transfer the request wouldnt be accepted the company was billing for lines that were canceled and devices turned it that has not credited the account. Please advise to remove or display documents as such within 30 days failure to do so please remove item from report or I will exercise my right under FCRA to sue for false information being reported.
Consumer complaint received 2021-12-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In XXXX and XXXX Ive sent in two rounds of disputes to TransUnion asking for the following accounts to be removed off my credit report. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Ive asked for the original contracts which I haven't received and also for the above accounts to be removed because of illegal collection fees. Its been over 30 days and I have not received anything back regarding my last dispute.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX company is very slow to process to make a report about credit utilization rate to three credit bureaus. I paid in full amount and made credit utilization zero to increase credit score to get VA loan ( Veteran ). 

XXXX XXXX did not update for a long time, it gives a bad impact to me and my children.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (VA)

XXXX XXXX  company is very slow to process to make a report about credit utilization rate to three credit bureaus. I paid in full amount and made credit utilization zero to increase credit score to get VA loan ( Veteran ). 

Creditone bank did not update for a long time, it gives a bad impact to me and my children.
Consumer complaint received 2017-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (PA)

XXXX has a loan showing on my credit file that is wrong. It has late payments showing. 

XXXX/JP Morgan Chase Bank this account was in deferment the whole time. I see when I wrote in back in XX/XX/XXXX 2017 saying it was updated but nothing was change that 's why I 'm filing the CFPB because XXXX  has not done nothing on my credit report. There is no late payments when a student loan is in Deferment
Consumer complaint received 2024-03-21
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: AMERICAN EXPRESS COMPANY (GA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$XXXX} Settlement. 

To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. 
A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 
XXXX. The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ). 


15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

I have not initiated any transaction with XXXX XXXX, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection. 

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).

15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$XXXX} and not more than {$XXXX} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$XXXX}, whichever is greater ; PLEASE REMOVE THE FOLLOWING : 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  Specified Remedy : Please send payment Via Check Payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX Yours Sincerely XXXX XXXX