davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-11
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. (CA)

A few months ago I reviewed a copy of my Experian credit report where I noticed an account that is reporting inaccurately. It is showing I paid late but that is not true I have not paid late and I have contacted the creditor which continues to tell me to contact the bureaus to correct this erroneous information on my report. Ive contacted Experian multiple times via mail and telephone, yet they have not yet fixed their inaccurate reporting! As I am aware by researching, these inaccuracies on my report are a violation of the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j the creditor must provide me with PROOF that I was indeed late but they CAN NOT. And it also fall under 15 U.S Code 1666 ( b ) billing error- 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to obligor. 
5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
Experian is violating the following FCRA law by reporting this inaccurate data : : Misleading False Reporting : This account is negatively and inaccurately reporting, failing to comply with 15 U.S.C 1681. Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant. Provider Claims Late Payment yet has NOT PROVEN even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. These bureaus are violating multiple FCRA, FCBA laws and i want them to correct this inaccurate data as soon as possible because it is detrimental to my credit score, which is causing me great stress to me and my family and affecting our ability to grow financially and obtain a home loan.
Consumer complaint received 2024-03-13
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: TRANSWORLD SYSTEMS INC (FL)

XXXX claims I owe an amount however this amount due is the sole responsibility of the shipper in this instance, not me. Debt was sent to TSI TRANSWORLD SYSTEMS to collect. I requested that this company absolve this debt as I am not responsible for this debt. This company has lot yet absolved this debt therefore this issue remains unresolved.
Consumer complaint received 2022-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: Continental Finance Company, LLC (FL)

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX RE : XXXX XXXX Dear XXXX XXXX XXXX, & XXXX XXXX, I hope you're having a great day. My name is XXXX XXXX, and Ive been a customer of Continental Finance since XXXX. Ive enjoyed doing business with your company, and have had many positive experiences over this time period. 
XXXX writing because when I checked my credit report, I noticed it contains a 30-day late payment posted in XX/XX/XXXX. My credit score has plummeted from a high of XXXX as of XX/XX/XXXX down to it's current low of XXXX as of XX/XX/XXXX. 

I dont want to dispute the accuracy of this report, but I do want to explain this one-time lapse on my part. I recently switched to online billing, and this caused me to accidentally overlook my bill and miss making the payment that was due on XX/XX/XXXX. I recently have been dealing with a Covid-19 financial hardship of having our families personal home sued for Foreclosure by our current lender. 

Recognizing the life-altering power of credit information and the impacts it can have on the less vulnerable. The FCRA and several federally backed agencies are asking credit card companies to work with individuals seeking a one time late payment exceptions for a cardholder that's been financially impacted by the corona virus. 

I was facing the prospect of missing payments as a consequence of income loss during this pandemic. I have since regained my financial footing. I was hoping there would be a good chance Continental Finance is prepared to work with me and remove this one time 30 day late payment. 


Warm Regards, XXXX XXXX # XXXX XXXX # XXXX SS # XXXX XXXX # XXXX
Consumer complaint received 2021-12-07
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: AES/PHEAA (VA)

FedLoan was servicing the Loan and did not respond to my claims that the loan should be discharged. 
The school misled me in getting the loan and there was a school admissions scandal that I ended in the prosecution of admin members. Fed loan informed me the loan must be moved out of delinquent status to submit dispute. 
I then submitted the borrows defense form- FedLoan then transfers the loan to department of education and left the negative reports on my credit. - they kept referring me back to my school or department of education. 

- I requested all statements of payments from XXXXXXXX XXXX to prove the account should be removed from my credit report. I was told twice i would receive the documents and never did. 
- Fedloan transfered the loan and there for should not report it on my credit report as the same debt was being reported by two separate collectors. Fedloan and Department of education.
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (WA)

I have fraudulent charges on my Citibank card from an XXXX company. I have never used XXXX. I do not have an account with XXXX. I tried contacting XXXX and they dont know me they dont have my email they know mean they dont know me at all. Citibank texted me with the charges that were pending from XXXX saying in the text that they looked fraudulent. I responded and said yes they are. They are not me, it took them a while to stop the charges because the card was in my digital wallet for Costco Citibank card and then it wasnt until the Monday following XX/XX/XXXX and XXXX that they Citibank pulled the card out of my wallet with me on the phone with them and I okayed that and then that stop but since then Citibank has trouble verifying me as the person calling to try to figure out whats going on They text me at my phone number and I dont get it. They text my husband at his phone number and he dont get it and theyve given up trying to resolve it so all I can do is go online and look at my app I may not talk to anybody about my Citibank Costco card account though because they cant verify me. Dont ask me why Ive had the same phone number. Ive been a customer Since XXXX there should be no reason why they cant verify who I am and Im not happy with their service because they told me right after it happened on a Monday that it was pulled. Somehow it was charged on my in my digital account.
Consumer complaint received 2021-12-07
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. (MS)

I filled a complaint with CFPD two months ago Case # XXXX. This issue is with a mortgage that was transferred from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX 
Amount & XXXX. XXXX has sent a letter to all 3 credit reporting company earlier this month. This info is still reported twice on my credit report. I need this corrected asap I have made several call but nothing has change.
Consumer complaint received 2021-04-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

Around XX/XX/XXXX of 2021, after a sum of {$3200.00} ( two separate invoices ) were deposited into our business PayPal virtual wallet, PayPal permanently removed our ability to manage and withdraw the funds. Over the course of several digital and phoneline communication attempts with PayPal, their support services have refused to elaborate as to why the account lock action was taken and have refused to facilitate management of the funds to our business. 

Reference ID : XXXX The course of action I am taking today has not been taken lightly and has been suggested by several sources.
Consumer complaint received 2022-04-07
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. (AR)

i made a complaint against XXXX XXXX  and my complaint was handled very poorly by CFPB i sent alone with my complaint two pieces of evidence that CFPB did not send with my complaint when this was brought to my attention i spoke with a supervisor who thought it was not a big deal well ithink its a big deal i am asking CFPB TO please reopen my case # XXXX and file it the correct way with all information i will reattach my evidence also my complaint against transunion # XXXX complaint aganist XXXX # XXXX complaint XXXX # XXXX i will be uploading my evidence .i also sent a copy showing that i did upload this info to u
Consumer complaint received 2022-04-07
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. (FL)

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc (OH)

Chime Bankgave me provisional credit for my dispute but then removed it because they basically sayin Im lying. I lost my freaking wallet with my id and PIN number in it but apparently Im lying.Calling A customer A liar tho thats crazy. The money that Im earning is going towards the negative balance and thats not freaking ok. Chime clearly doesnt understand that I need my money and Im human not A robot I need to use money just as well as everyone else they need to fix my account and apply the original dispute amount back on there because they are treating me like XXXX and Im tired of them!!
Consumer complaint received 2020-10-30
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC (NJ)

Shellpoint is servicing a 2nd mortgage on my home. I currently owe a balance of {$12000.00}. I have provided Shellpoint with flood insurance in the amount of {$21000.00}, I received a letter dated XX/XX/20 requesting that I purchase an additional {$4000.00}, worth of flood insurance and are threatening to purchase insurance in my name at the cost of {$230.00}. They have no right to do this as the balance of my loan is only {$12000.00}.. I am a senior citizen and I feel they are taking advantage of me.
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have submitted over 3 dispute letters and a previous CFPB complaint regarding fraudulent inquires that are on my credit! I DIDN'T AUTHORIZED ANYONE EMPLOYED BY THESE COMPANIES TO MAKE ANY INQUIRES AND VIEW MY CREDIT REPORT. THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT SECTION 161B ( C ) AND A SERIOUS BREACH OF MY PRIVACY RIGHTS.

PLEASE VALIDATE THIS INFO WITH THESE COMPANIES AND PROVIDE MY WITH COPIES OF ANY DOCUMENTATION ASSOCIATED WITH THESE ACCOUNTS BEARING MY SIGNATURE, AUTHORIZING AN INQUIRY. IN THE ABSENCE OF ANY SUCH DOCUMENTATION BEARING MY SIGNATURE.

I FORMALLY REQUEST THAT THESE FRAUDULENT INQUIRIES BE IMMEDIATELY DELETED FROM THE CREDIT FILE THAT YOU MAINTAIN UNDER MY SOCIAL SECURITY NUMBER PURSUANT TO SECTION 605B OF THE FAIR CREDIT REPORTING ACT!
Consumer complaint received 2021-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (GA)

I had to close my account on XXXX XXXX when Chase locked me out and made uncalled fo demands to unlock. When I closed the account the promised me I would be sent a hard copy of my final statement which should have been {$66.00} and some change. I still have not gotten the hard copy of the statement and they sent me and email the other day with {$30.00} in fees and told me to log into my account. I am still locked out can't do that. On the phone they just insist I trust them and give them bank info over the phone without me seeing a final statement. Again I was promised a hard copy. I sent the a certified mail requesting a mailed hard copy and still nothing. I have never ever missed or been late on a payment to them and I am afraid because of their refusal to take prober care of this they are going to mess up my near XXXX credit score. If they will send me the statement for XXXX I have been begging for I will pay them the $ XXXX but I refuse to pay them over the phone or without a statement in hand. I feel I have a right to a final statement dated XX/XX/XXXX when my account did month end close. Not sure about anyone else but I do not just random pay a bill because someone said too.
Consumer complaint received 2023-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

Was struggling financially and USAA told me I had too be delinquent for months before they would help me. Then ask for military service refund for over charging me and they said they only go back 180days. 

It must be nice to break people financially before you can get help. From financial prospecting I had to close account and see greed as only thing understood by USAa.
Consumer complaint received 2022-04-07
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. (FL)

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2021-05-27
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (VA)

I paid off my loan for my house in XXXX and still have not been able to register the deed because it is held in the name of the XXXX XXXX XXXX XXXX owned by XXXX XXXX XXXX. The loan was a note as contract for deed and the deed was bundled into a trust.The Deed is STILL locked in by XXXX XXXX XXXX XXXX formerly owned by XXXX XXXX XXXX, XXXX. When JP Chase assumed the assets from XXXX XXXX XXXX  in XXXX, they did not register the trust transfer with all the counties that recorded the trust as the deed owners for hundreds of homes, especially mine. While the CFPB did help me get the resultant deed in XXXX, I am unable to register it with the county because they said I do not have providence showing how the deed got transferred from XXXX XXXX XXXX   to JP Chase bank and then ultimately to XXXX XXXX. I need JP Chase to attest that they acquired the trust, XXXX XXXX XXXX XXXX, and that they sold that trust to XXXX XXXX. Without this transaction being properly recorded at the registrars office, I can not register the deed for my home. I presume that since it has been more than 30 years since I bought my home, that nearly all the homes held in this specific trust recorded in many counties across the country, have deeds being held hostage by the now defunct XXXX XXXX XXXX  as trustee owner. Additionally, the Bank never properly recorded the mortgage servicing information with XXXX County as they had agreed to do in XXXX. The last time the CFPB helped me, my request was to find the deed because no one knew who the current trustee of XXXX XXXX XXXX XXXX was BUT NOW I need help getting the JP Chase to properly record the trust transfers. At the very minimum, JP Chase could write a legal document stating when they acquired the XXXX XXXX XXXX XXXX and when they sold it to XXXX XXXX. This is what the XXXX County title examiner said I need to get the deed put into my name finally.
Consumer complaint received 2022-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (GA)

I just received a random call about a fraud charge on my Chase XXXX starting with XXXX ending with XXXX. This card had already been closed previously. But, he reported that it is being used in Ohio and it was reported as fraud. Also, he reported that there's currently over {$4000.00} charges due on this card ; which is ridiculous. 

Phone # : XXXX from caller This person had the last 4 digits of my SS #. My full name and my current residing address. 

Please report this unknown person. 
I hung up on him when I realized this card had already been closed a while ago.
Consumer complaint received 2022-04-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CO)

On XX/XX/XXXX I was served with a summons to appear in court on XX/XX/XXXX for a civil matter from Midland Funding LLC which bought a charged off debt from XXXX XXXX Bank on XX/XX/XXXX for a credit card with the last XXXX digits of the account ending in XXXX which had a statment included on summons. One statement shows a balance of {$25.00} made on XX/XX/XXXX. I never made a payment to this account nor have I had a card from this company in XXXX. I currently have 2 credit cards with XXXX XXXX Bank that are active and in good standing. Midland Funding LLC never reached out via phone or mail to provide me any attempt to collect a debt because I could have address this issue 6 years ago. This company or any company on this matter does not exist on my credit and I don't even show a XXXX XXXX Bank card from XXXX on all 3 credit companies. XX/XX/XXXX was the first time I have heard of this debt.
Consumer complaint received 2020-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

There is something crazy with my credit! I made a report after I noticed that there is more than 1 account on my credit report that is not mine. I'm not sure if my credit has been hacked and this is some kind of fraud or some insane error. I just need my credit back to normal with only my accounts on it. I have not given permission for anyone to use my credit. I am the only one allowed which is why i am so mad something like this happened to me. Please help me these accounts are not related to any account that I have opened or approved.
Consumer complaint received 2021-05-27
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (CT)

On XX/XX/XXXX I called Chrysler Capital after receiving a bill in the amount of {$620.00}. This was due after my car was totaled. I did have Gap insurance but apparently it did not pay off my car. After a few months they charged off this bill and reported it to the credit bureaus. It has been a few years since the car was totaled. I just received another bill. 
When I called I made a settlement with the woman I spoke to for {$300.00}. She gave me a number to call to make the payment and told me that when I do this it will say the whole amount but will only charge my card {$300.00} per settlement. It charged me {$750.00}. I called back right away and was told the payment was cancelled. A few days later after checking my bank account it was not cancelled. I called back and was told they couldnt cancel the payment. They wanted me to send them my bank statement to prove that it cleared the bank. I told them I was not comfortable sending them my bank statement. I went to the bank and got a letter from them stating that the payment had posted and cleared my account. When I called back to see if they got the fax they said I sent it to the wrong number and gave me a different number. I asked to speak to a supervisor and was put on hold for a long time. I have the settlement and the letter from the bank saying what was posted. I am getting the run around every time I speak to someone there.
Consumer complaint received 2021-01-11
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: EQUIFAX, INC. (NY)

Good day! 

I received your information through the FTC and also the XXXX XXXX XXXX XXXX authorized by the Federal Government. 

In short, I've been plagued by a series of constant errors by the credit agencies which after researching and jumping around in hoops, is clearly the result of either : A ) Institutional bias against minority groups and denying people access to credit ; or B ) Malpractices internally at these organizations I would like to formally request a review and possible indictment of the leaders of these organizations to ensure that we are not jeopardizing working families and people trying to survive as well as grow the US Economy. 

I have evidence that I would like to submit privately or on a separate channel. 

Thank you and be safe! God bless!
Consumer complaint received 2020-05-27
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)

UNVERIFIED ACCOUNT. Per CRSA enacted, XXXX implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.