davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-30
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. (FL)

On XX/XX/2019, I was advised via emails from my credit monitoring service that requests for my TransUnion credit report had been made by XXXX ( credit union ), XXXX XXXX XXXX XXXX ( finance/personal ), and XXXX XXXX XXXX ( finance/personal ). On XX/XX/2019, I received another email from my credit monitoring service stating that a request for my TransUnion credit report had also been made by XXXX XXXX XXXXWH XXXX XXXX XXXX XXXX XXXX MD XXXX ( Automotive ). All four of these requests were previously unknown to me and were never authorized by me. 

On XX/XX/XXXX and XXXX, XX/XX/2019, respectively, I received letters from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX indicating that they could not extend me credit based on credit applications in my name that had been forwarded to them by XXXX ( XXXX ). Again, I was previously unaware of these unauthorized and fraudulent credit applications. The letter from XXXX XXXX XXXX XXXX stated that " the only addition to your credit report will be an inquiry from us. ''
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2020-09-21
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: AMERICAN EXPRESS COMPANY (TX)

American EXPRESS has been reporting in my three credit bureaus posted XX/XX/XXXX since around XXXX of XXXX I have been in communication with American Express direct, collection companies and plus the three credit bureaus. Neither one is providing proof as requested showing my signature, on top of that American Express has broken the law failing to to place a dispute in my account within 30 days, and also failed to send me documents as I have requested. 

I had to turn to cfpb for help to report the unlawful action. 

I have more of documentation I carefully collected if needed can provide, certified and signed.
Consumer complaint received 2020-09-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I closed three accounts on XXXX 2020. One week later I received any closing balance and three letters stating the accounts were closed. I was not told it could take up to 90 days. I was not told to stop any automatic transfers. I was not read any closing disclosures. I did not cancel some automatic transfers because I was told they were closed and receive letters that they were closed. On XXXX I got an email reminder of a transfer for XXXX. Online would not let me stop that transfer. I called Capital One and the person on the phone told me she would change my withdrawal amount limit to a XXXX and assured me that would stop these transfers. The next day my personal banking showed these transfers pending. I have made several calls. I am still waiting to get my money back. My bank now shows it totally gone. Capital One was showing a negative balance. Then pending, now XXXX balance. All kinds of conflicting information. The most recent call to Capital One told me it was on hold and would go back to my bank on the XXXX. I don't feel I should have to wait that long for my money that they erred in taking out. I have been told a different story every time I have spoken with someone. I don't feel any of them are truthful. I want to file this complaint based on all the wrong information I've been given over the past 5 weeks.
Consumer complaint received 2017-10-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (KY)

Hello. We were unaware that there was a debt with Cbe group as we never received a bill. Now it has shown up on the report. We have since made a payment on the account to avoid collections, but I am not even sure we really owe this bill as we cancelled services with them last year.
Consumer complaint received 2023-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm trying to dispute item # XXXX on my credit report it has been over 126 days and they're saying they won't dispute it. Does the rules not apply to this company? Truthfully verify the information or remove it.
Consumer complaint received 2017-08-08
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: D&A Services, LLC (TX)

On X/X/17 I received a voicemail from D & A services on my work phone number. They stated they were a debt collector on the voicemail. This number is assigned to me at work but recordings can be accessed by my employer. In my opinion this is a violation of the FDCPA.
Consumer complaint received 2017-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This complaint is in reference to the removal of PMI from my loan. The HPA states, and the CFPB Director has confirmed in a statement provided in 2015, that PMI must be removed upon written request from the mortgagor, assuming good payment history, current on payments, and value at or above original value, if the current principal balance reaches 80 % of the original loan value through normal amortization tables or actual payments, including additional payments made by the mortgagor. XXXX XXXX has stated, and the FHFA agreed that the cancellation provided under the HPA is not an obligation to them and they are free to demand that the loan to value ration equal 75 %. I have found no guidance on this issue and both the summaries from the Federal Reserve and the CFPB state that XXXX XXXX must remove PMI upon request when the loan to value reached 80 % ( assuming the previously stated guidelines are met ). The FHFA and XXXX XXXX have also stated that regardless of the CFPB 's decisions they do not have to follow them. I believe this to be false and would like assistance from the CFPB in navigating this issue. Thank you for your help, XXXX XXXX
Consumer complaint received 2017-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: American Credit Acceptance, LLC (FL)

I purchased an XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX, AL on XX/XX/XXXX. Paid my notes on time every month. XX/XX/XXXX I received a letter from them, dated XX/XX/XXXX stating that they were closing due to the death of the owner and my loan was sold to American Credit Acceptance in XXXX, SC and that nothing on the loan will change. I also received a letter from the new lender American Credit also dated XX/XX/XXXX stating they got my loan with new account number and nothing is changing and that they will continue to report my payments with the bureaus. Since they took over the loan I started asking about my credit being reported and I 've gotten told several things, they do n't report till the loan is paid off, they have been reporting it, they will check into it, then they said that XXXX motor did n't send them all the information they needed so the credit will never show and the newest one on XX/XX/XXXX is that they deleted the tradeline and my credit will never show on my reports. Since then I have asked for a letter in writing on their letterhead stating that they deleted the tradeline and my credit will never show on my credit, now they are avoiding me.
Consumer complaint received 2017-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: GOLDMAN SACHS BANK USA (FL)

A company XXXX : by Goldman Sachs, placed an unsolicited request for my credit history from XXXX Credit Reporting agency. NO.. authorization or request for credit was ever submitted by me for a personal loan. I had received an unsolicited email marketing advertisement from : '' XXXX XXXX XXXX XXXX '' and was just scrolling through the listing of companies offering loans and what their Interest and terms were. NOTHING MORE ... .just a review of their listing. Goldman Sachs placed a " Soft Inquiry " to XXXX to get my credit history. I never sought/ requested or gave authorization to any one to review my credit history. I feel Goldman Sachs was using the marketing Ploy by " XXXX XXXX XXXX '' as unlawful/ fraudulent effort to get Names and Credit History. Goldman Sachs would not withdraw or inform XXXX Co that their request for my credit history was an attempt at invading my personal privacy ' It is Just another form of " Identity Theft ''. Please look into this matter. If it happened to me, ... it probably happened to anyone who might have reviewed that XXXX XXXX Advertisement.
Consumer complaint received 2017-08-08
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midway Resolution Services LLC (GA)

Received a call XX/XX/XXXX at XXXX, from a gentleman stating that he was a license carrier part of a national carrier and he was trying to locate me because a formal complaint has been filed against my name and my social security number to appear in court. He said he could grant me a period of time to contact the filing party to update my address for the summoning date and place a possible stop order on his services.He said to contact the filing party at XXXX and reference the docket number XXXX. I then googled the phone number and nothing came up. I also search the docket number on the Georgia public service commission website and nothing was found. I then called the number and spoke with XXXX XXXX at extension XXXX. He stated that I owed a payday loan for the amount of {$2300.00}. I received this exact same call in XX/XX/XXXX. I told him I have already paid this and I have receipts. I then asked him to provide his email address so I could send him the receipts. He gave me the email address : XXXXXXXXXXXX Once emailed I immediately received a mail-daemon that stated the mail could not be delivered. I called back and asked to speak with XXXX XXXX and told him that I did n't have the right email address because the emails were sent back. He said that they had received the emails and that it looks like I paid a fraudulent company. He then advised me to take the paperwork to court. He also gave the option to settle out of court but I told him why would I settle if I already paid. I then told him that I would speak with my lawyer.
Consumer complaint received 2017-07-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NJ)

On   XX/XX/XXXX  , I authorized a {$690.00} payment towards Navient, or so I thought. I made this payment thinking that it qualified me for a  ten  year, $  XXXX  income-driven repayment plan. It looks like this {$690.00} was NOT applied to my student loans. It appears a third party managed to fraudulently collect this money. The phone number associated with this transaction  (  on my bank statement ) is not a working phone number. Navient has also informed me that they do not have offices in Florida, the state associated with this transaction. I have been in contact with both  XXXX    XXXX   and Navient to try and resolve this matter as quickly as possible. Please let me know if you can help in any way.  <P/> Thank you.
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 — Public record information inaccurate
Company: EQUIFAX, INC. (NC)

I have sent letters to all credit bureaus XX/XX/XXXX in regards to reporting an XXXX  under my public record that was not verified and not provided by the XXXX XXXX  court directly. I reached out to the XXXX XXXX  XXXX XXXX XXXX XXXX North Carolina and confirmed verbally that to don't provide info to 3rd parties that are not included in the initial case. ( XXXX XXXX, XXXX, Equifax XXXX XXXX are not included included in any of the court case information ) In the letters I sent I requested that they remove the XXXX  from XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX XXXX XXXX, Dated Filed : XX/XX/XXXX with all credit bureaus XXXX XXXX, XXXX XXXX Equifax XXXX XXXX XXXX due to reporting inaccurate and/or incomplete, unverified information concerning my public records in consumer reports. I have not received any correspondence back from any of the credit bureaus within the 30 day. When I didn't hear anything back, I sent XXXX XXXX  XXXX XXXX XXXX XXXX North Carolina a letter for a written statement instead an verbaI conversation had with them so I could file a complaint with the CFPB because I feel like the credit agencies are not taking my request seriously enough to respond. I sent in Personal Information update request with the credit bureaus and got a response from only so far was from XXXX ( which is still incorrect ) but No one responded to the Public record correspondence I sent in.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

These accounts have recently shown up on my credit record, and I have some doubts regarding the veracity and correctness of your inquiry. I thought the item was not being reported lawfully last month, therefore I sought an investigation. You have decided to stop investigating my credit reports, according to the letter I got a few days ago. This decision was based on your belief that I may have employed a third-party credit repair business. This is clearly in violation of the FCRA, and I also think it's a delay tactic to buy yourself 30 more days to fulfill my first request.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-07
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. (AR)

The credit bureaus stated my account was properly investigated not once but three different times but how is this possible if there is inaccurate information across the bureaus, high balance reporting wrong, date opened wrong still showing credit limits on closed accounts, ect. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 Section 604 A section 2 states a consumer agency can not furnish a account without written instructions
Consumer complaint received 2021-08-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc. (MA)

Ive spent 7 months disputing this account based on it not being mine or error as stated, it has been very hard financially being denied for housing based on this data furnished to the credit agency. 

tem was deleted and claimed to be placed in error/ monetary relief.
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

Please update all of my personal information on Equifax, XXXX, and XXXX. 

My only XXXX XXXX XXXX My only address is XXXX XXXX XXXX XXXX, OH XXXX There may be individuals that have the same information as mine. Creditors may have entered my name name and address incorrectly when requesting my credit report. Regardless there are forms of my name and addresses that should not be on my report.
Consumer complaint received 2021-04-27
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. (LA)

I previously had a credit card with XXXX XXXX XXXX XXXX. I was attempting to pay the account off. Upon speaking to the teller. I was informed the account was no longer with XXXX XXXX it was sold to a collection agency. Yet XXXX XXXX continues to report a unpaid balance on my credit report. Both them and the collection agency is reporting on my credit report which in turn is causing hardship in obtaining a Home loan.
Consumer complaint received 2024-03-10
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Resurgent Capital Services L.P. (OK)

RESURGENT KEEPS CALLING MY HUSBANDS CELL ( XXXX XXXX XXXX AND MY CELL XXXX XXXX XXXX XXXX COLECDTIVELY, 21 TIMES AND WE HAVE DOCUMENTED FOR LAWYER TO FILE CLASS ACTION.
Consumer complaint received 2020-09-21
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: SYNCHRONY FINANCIAL (KS)

In XX/XX/202 we order online a chair and tool box on XXXX. We never received the merchandise, on XX/XX/15 we received our credit card bill from Sams Club MC/SYNCB - showing a charge of {$300.00} to XXXX. We contacted the credit card company and told them we didn't know what this was. We looked up the website and its a company that sells women 's clothes. We called the number listed on the credit card charge and the lady that I spoke to - said that she was getting over 200 calls a day - from individuals because this was a fraud company that was using their business phone -umber. I can send you a copy of the credit card charge - showing the phone number - XXXX - this is listed to XXXX XXXX XXXX in XXXX Texas. Which is not the description charge name on the bill ( XXXX ). We have called the credit card company several times and explained this to them. They have sent us a letter stating that they have reviewed the information with the company and we supposedly bought a bed and they have delivered it to us. Which is totally false. And they even included a label that the company supposedly used to mail us our ( bed ) - it was mailed by United States Postal Service from XXXX to us. Now who would mail a bed from XXXX using the Post Office? Sams Credit Card/Syncb is  refusing to give us credit for this false charge and we have decided to pay the bill because we don't want our credit ruined. I would be happy to send every bit of information I have. I don't think its right we have to pay for something we never ordered or received.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DC)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating 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 2020-09-21
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. (MA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2020-09-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (SC)

I was directed to a company called Amerisave through XXXX in order to apply for a refinancing on my home mortgage. I received an initial quote from Amerisave that was the most attractive amongst several offers. A representative of the company, XXXX XXXX, contacted me the next day to start the application process. At the time of application, they quoted a refinancing package to me that included approximately {$4000.00} in cash at closing, and a rate of 2.75 %. That offer was basically in-line with what had been presented the night before. Based on that, I gave them my credit card number and they charged me an application fee of {$500.00}. A day or two later, with no explanation, they sent me updated disclosure documents which required {$9000.00} in cash at closing. When I contacted XXXX and his colleague XXXX, neither of them could or would explain the {$5000.00} increase in cash at closing. I've tried contacting the company several times by email, once by voicemail, and several times by text message and they won't explain why the closing costs increased by {$5000.00}. They are continuing to try and push me through the process, including asking for further detail on my insurance policy and having an appraisal company contact me, while actively ignoring my questions around the massive increase in upfront costs.