davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-12
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. (VA)

Hey, I received your letter about closing my complaint. why the XXXX would you that? who else would be complaining about my personal information besides me? That's XXXX. I would ask you once more time to take action about the credit bureau not doing anything about my disputes. I am trying to get a house soon, so would you just please please
Consumer complaint received 2020-11-23
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I applied for and received a loan with XXXX. When Covid hit not only was I on XXXX  leave, but was laid off due to the shut down in California. I have notified XXXX  of both as there was going to be times I was going to be late on payments etc. Currently XXXX is in possession of my car illegally and the fees required to retain my vehicle are paid. XXXX has refused to give me a statement of accounts, saying that i should have copies. I do have emails with the copies attached, yet they have deactivated the link to the documents and have not responded to my request for access. To date I have payed well over {$5000.00} and I have been told by two employees that none of what I have payed has been applied to the principle of the loan, just the interest. I requested a settlement quote and was told that the amount owed on the account was over {$8000.00}. I have XXXX children and can not be without my vehicle. XXXX are crooks!!!!!
Consumer complaint received 2022-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

I attempted to sell an item on XXXX XXXX. The buyer wanted to use XXXX. Ive never had an issue with XXXX before. I got an alert that {$300.00} was sent to me but since it was a business transaction I needed to have a business account. So the buyer said he would send me another {$300.00} and this would upgrade my account so I can receive the funds. I would then send the {$300.00} back. I got an alert that the additional {$300.00} was sent. I logged into my account to XXXX  the {$300.00} back and my account was locked. I had to call customer service and was advised that they would make a note on the account that its fraud and then I had to answer multiple questions to get my account unlocked. By the time this was completed I logged in to cancel the transaction since this was fraudulent activity and the payment was already sent through even though they said they were going to mark it fraud. I then had to call back and get transferred to a different department to have them tell me that they can stop it if it hasnt already been sent on their end. Phone got disconnected. Then I called back and was transferred again to be told the money was already sent. There are no notes on the account at all and that there is nothing I can do. If I wouldnt have been locked out of my account and had to spend over 30 minutes on the phone to get it unlocked I would have been able to stop the transaction.
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I never gave Experian consent to report anything on my consumer report. They have no permissible purpose by law to contact third parties with my private or personal information. This offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. They have knowingly used My info without lawful authority, a means of identification of me, which is a felony punishable by Law. They also ignore my disputes as you can see in my prior CFPB reports. They always respond with a lame response of " I need to verify my info ''. This is nonsense, Ive sent my Drivers License, Utility Bill, and Social Security Card.
Consumer complaint received 2024-03-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: FIRST PORTFOLIO SERVICING INC (MD)

I have multiple accounts appearing on my credit report with the same company ( Total Visa ) or under the same parent company umbrella. These accounts were opened in my name Maiden name ( XXXX ) and now are reporting a non-payment status ( 120 days or more past due ) which is without my knowledge and it has been an adverse effect on my credit report and score. I got married several years ago and I have changed my name with Social Security as well. These accounts were opened after I changed my name etc. This company still has all the past-due accounts under my maiden name. I have contacted this company via US mail numerous times with no response to date. There are XXXX separate accounts from this Credit card issuer all appearing on my credit report. The accounts are now being listed as charged off but every week they are reporting a past due status to all three credit bureaus of 120 days past due. Is it legal to report negative status credit status every month to : ( XXXX, XXXX and XXXX ). 


XXXX. TOTAL SELECT/XXXX has flagged your account as XXXX Days Past Due. 
Address : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA XXXX XXXX. XXXX XXXX has flagged your account as XXXX Days Past Due Account ending in XXXX Address : XXXX XXXX XXXX, XXXX XXXX, SD XXXX XXXX. Total Account ending in XXXX
Consumer complaint received 2020-09-30
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)

XXXX/XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX All the inquires from : XXXX XXXX XXXX  XXXX XXXX/XXXX XXXX XXXX US SM BUS ADMIN ODA
Consumer complaint received 2023-05-22
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. (GA)

I have made several attempts to have these issues fixed with equifax to no avail. There are 3 accounts on my credit report that have been continuously changed to reflect erroronus information. I have attached evidence of these errors on my reports. The 3 accounts are XXXX ending in XXXX, XXXX ending in XXXX and XXXX XXXX ending in XXXX. Please review statements for each account below : XXXX XXXX : - For the reports dated XXXX XXXX XXXX XXXX and XX/XX/XXXX, they state a last payment date of XX/XX/XXXX and a date of first delinquency of XXXX XXXX These dates remain constant, but the payment history has changed significantly on each subsequent report. See attached. This has had a significant impact on my credit and I would like this account removed due to the payment history being erroronus. 

XXXX XXXX : - For the reports dated XXXX XXXX XXXX XXXX and XX/XX/XXXX, they state a last payment date of XXXX XXXX  and a date of first delinquency of XX/XX/XXXX. These dates remain constant, but the payment history has changed significantly on each subsequent report. See attached. This has had a significant impact on my credit and I would like this account removed due to the payment history being erroronus. 

XXXX XXXX XXXX  : - For the reports dated XXXX XXXX and XX/XX/XXXX, they state a last payment date of XX/XX/XXXX and a date of first delinquency of XX/XX/XXXX. These dates remain constant, but the payment history has changed significantly on each subsequent report. See attached. This has had a significant impact on my credit and I would like this account removed due to the payment history being erroronus. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) the accounts are in violation of not reporting 100 % accurate. Moreover, I request to know all the steps the agencies took to insure these items were 100 % accurate under 15 U.S. Code 1681i ( 7 ) Method of verification - Description of reinvestigation procedure.
Consumer complaint received 2021-04-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (AL)

The companies involved are XXXX XXXX XXXX XXXX XXXX, Chase Mortgage and XXXX XXXX XXXX. These companies have consistently charged me for FHA Mortgage Insurance over the course of my mortgage loan servicing that is different than the agreement we signed and the closing documents. They have ignored the loan closing documents and applied methods not specified anywhere my loan closing documents and in fact their methodology has resulted in FHA Insurance Premiums that are more than {$9000.00} higher than either amortization schedule ( provided shortly after closing ) or FHA Insurance Premium documents ( included in my loam closing documents ). I believe these overcharged fees are excessive, illegal and a violation of the mortgage loan closing agreement! 

XXXX Mortgage 's response indicates that they do not care what the loan closing documents say. In fact, their response spelled out a method that was not mentioned or included in my loan documents. They refused to clarify why my loan documents said one thing, yet they consistently do something else every month when they charge my account! 

This mortgage loan was originated by XXXX XXXX XXXX in XXXX and sold the Chase Mortgage ( XX/XX/XXXX XXXX, who serviced it until XX/XX/XXXX. XXXX has been servicing this loan since XX/XX/XXXX.
Consumer complaint received 2019-02-19
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: Experian Information Solutions Inc. (NC)

The credit bureaus are taking too long in getting us the responses of our credit investigations. We made our requests on XX/XX/XXXX, but they have not responded yet.
Consumer complaint received 2024-03-09
Product: Credit card — Store credit 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: CITIBANK, N.A. (PA)

On XX/XX/XXXX, {$3800.00} in fraudulent purchases were charged to my Home Depot account # XXXX, without my knowledge. When I saw the fraudulent charges on my account, I immediately notified Home Depot. Home Depot initially agreed to remove the charges and gave me a new account number ending in XXXX, then, on XX/XX/XXXX, Home Depot sent me a letter stating that I did not sufficiently identify the fraudulent transactions. The letter said that Home Depot had conducted an investigation and that the information I provided was not sufficient to resolve the dispute. Home Depot did not explain what their investigation method was, or what they found in their investigation to support their claim that these charges were not fraudulent.

Home Depot has added the fraudulent charges back to my account. I have filed another identity theft report with identitytheft.gov. I am writing another letter to Home Depot. However, Home Depot insists that I must pay for the fraudulent charges that Home Depot added to my new account # XXXX, that were fraudulently charged against my # XXXX on XX/XX/XXXX. I believe that the fraudulent purchases were made by someone within the Home Depot organization, and that Home Depot has deliberately transferred these fraudulent charges repeatedly back to my account despite my repeated disputes of the fraudulent charges. I am sending another letter to Home Depot, and I have again disputed these charges. Home Depot refuses to remove the charges from my account. Home Depot is engaging in fraud and theft.
Consumer complaint received 2024-03-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Offices of Timothy M. Sullivan (DE)

I was a student at XXXX XXXX XXXX University in XXXX XXXX, Ohio from XXXX & XXXX I experienced financial hardships that caused me to get behind with the payment plan for the tuition. I could not qualify for student loans. 

My income at that time wasnt enough to make the payments necessary to pay off the balance of the unpaid tuition. The original amount was {$7300.00}. As I was in a position to make monthly payments the tuition debt was turned over to the Ohio Attorney Generals collection department. I received letters from them saying that on top of the money I owed the school, they charged me with interests, attorney fees and other fees- totaling to about {$12000.00}. 

Since then I was in dispute of this debt because I have been wanting to pay the money I actually owed the school. So since XXXX, The collection account has been transferred from one debt collection agency to another. When I contact them they ( the collection agency ) demanded a lump sum payment of between {$8000.00} and {$9500.00}. However it has been impossible to come up with such an amount in my own. And when I consider on making a payment plan I feel like I will be paying unnecessary fees and charges that I dont really deserve.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Inaccuracies have been furnished to my consumer report. If a proper investigation was done for accuracy and integrity prior to the reporting of this information Equifax would not be in violation of federal law. Please see attachment.
Consumer complaint received 2024-03-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I am filing a complaint against PayPal regarding their handling of fraudulent transactions involving a scam artist. On XX/XX/XXXX and XX/XX/XXXX, I transferred a total of {$800.00} to an individual I later discovered was a scammer, believing them to be a legitimate tattoo artist. Upon realizing the fraudulent nature of the transactions on XX/XX/XXXX, I contacted PayPal to report the scam and request a refund. 

Despite providing evidence of the scam and requesting a refund, PayPal determined that the transactions were not fraudulent and denied my request for a refund. I believe PayPal 's decision was unjustified and inadequate given the circumstances. 

Action Requested : Investigate PayPal 's handling of fraudulent transactions and their decision-making process for issuing refunds. 
Provide me with a refund for the fraudulent transactions totaling {$800.00}. 
Implement measures to better protect consumers and improve the handling of fraudulent transactions in the future. 
I appreciate your attention to this matter and look forward to a resolution. 

Thank you. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-16
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: North State Acceptance, LLC (TN)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' North State Acceptance is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' North State Acceptance the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, North State Acceptance whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' North State Acceptance Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2021-06-21
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: ENCORE CAPITAL GROUP INC. (HI)

Someone used my information to obtain a credit card account that I was not aware of. I did not apply for a XXXX XXXX card. Someone must have used my name to get it. I am from XXXX Hawaii and all these transactions are from different states. 
For example : XXXX XXXX XXXX IN. {$50.00} XXXX XXXX. XXXX, IN. {$32.00} XXXX XXXX, XXXX {$12.00} XXXX XXXX, PA. {$20.00} XXXX XXXX XXXX, PA {$10.00} XXXX XXXX XXXX, PA. {$23.00} XXXXXXXX XXXX IL. {$8.00} XXXX XXXX. {$20.00} XXXX XXXX. {$33.00} XXXX. XXXX, TX. {$28.00} This is just a few of them, there is more. This is not my credit card. 

Total owes from Midland Credit Management is {$970.00}
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WV)

My information was bought and sold illegally because I was a victim of the XXXX XXXX breach, and I've had errors on my reports for some time now, I have tried to get them to help me with this issue however they have done nothing but ruin, a lot of opportunities fir me and my family due to this outrageous issue. I want these items deleted off my account effective immediately. XXXX has already admitted to me being a victim of their breach, in which I do have proof of, would you please help me get these illegal accounts deleted from my credit reports. Thank you
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX Credit Report, XXXX CAPITAL ONE shows " Original Amount '' of this loan {$19.00}. What " Loan ''?? This is Fraud or Identity theft, Someone has opened or used my Identity to acquire this amount of transactions, have no knowledge of what an how this amount came about, It does not apply to me. I have never acquired a balance of {$19000.00}. I reported to Capital One in XXXX, with no help or explanation. If it is on this Credt Report then Capital One put it there, but refuse to help me. It becomes difficult for me, to keep disputing and then I quit, It seems when ever I dispute an account I always get negative responses, or cover-ups, Or they can't see it, or it's not shown, or it applies to me, I can never get a direct answer. It saids always report Idenity theft fraud, etc. Then when you do, there is never any direct help. Then it shows, put a freeze, Credit Lock, Fraud Alert on Credt Reports, I have a Credt Lock and a Freeze and Fraud Alerts on reports in XXXX approx-forward. I never receive an Alert.I don't remember when I put my first Locks/Freezes, Fraud alerts. I will try to download a copy of this report. See bottom of report
Consumer complaint received 2021-04-07
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)

Reached out to XXXX regarding a credit inquiry added to my credit report XX/XX/2019. I reported the application as fraud. I requested that the inquire be removed as the inquiry was fraudulent. The request was granted but it still remains on my Transunion credit report.
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX