davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-19
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: EQUIFAX, INC. (CA)

I have been requesting a response from the credit bureaus regarding verification + validation for almost 1 year of a reported XXXX XXXX bankruptcy. Equifax, XXXX, and XXXX. the last date of action was taken on XX/XX/2022.
Consumer complaint received 2015-04-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: JAYANDBEE INC /dba/ HOOSIER ACCOUNTS SERVICE (NE)

Repeated calls through the day ( XXXX to XXXX ) and they do not leave a message. After they call once, they call a XXXX time right after from a different number. 

Each time, they do not leave a message, but I looked up their number and found their information. By law, they are required to tell me about the debt and what they want from me. 

The company is Hoosier Accounts Collection Agency, XXXX, NE.
Consumer complaint received 2022-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been requesting a response from the credit bureaus regarding verification + validation for almost 1 year of a reported XXXX  XXXX bankruptcy. XXXX, XXXX, and Transunion. the last date of action was taken on XX/XX/2022.
Consumer complaint received 2021-02-25
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. (CA)

I have disputed several inaccurate accounts from my report to the credit bureaus but they aren't neither answering nor taking action, after 30 days of waiting for nothing, i disputed again my accounts.
Consumer complaint received 2016-01-20
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Pacific Home Loans, Inc (CA)

We received a letter dated XXXX, 2015 that the buyers of our property were pre-approved for credit with Pacific Home Loans, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. ( XXXX ) XXXX. 
The buyers XXXX XXXX XXXX XXXX agreed to purchase our home, and we went into a 60 day escrow, starting XXXX XXXX, 2015. At the end of escrow, we were informed that they did not qualify to purchase. We moved thinking escrow was over in XXXX, which our realtor XXXX XXXX XXXX said they had heard nothing, that the escrow was going as planned. The buyers are now backed out, and are not paying the EMD deposit of {$3500.00} to us. We now have to pay all the bills for XXXX places, which is unfair. XXXX Home Loans should have let us know before escrow ended. We would not have had to move so soon. 
The property address that they were purchasing is XXXX XXXX XXXX, XXXX XXXX, CA XXXX. We are still trying to sell the home. We would like to file a complaint against XXXX XXXX XXXX & request they pay us the {$3500.00} that was due to us. If not, we will be forced to file a court case. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX ( XXXX ) XXXX ( XXXX )
Consumer complaint received 2021-02-25
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: EQUIFAX, INC. (NJ)

I have disputed several inaccurate accounts from my report to the credit bureaus but they aren't neither answering nor taking action, after 30 days of waiting for nothing, i disputed again my accounts.
Consumer complaint received 2021-02-25
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. (NC)

Hello I am very distressed about this information on my report, I have been trying to dispute this with the bureaus and its been well over 30 days
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

I sent a letter on XXXX XXXX, XXXX  to remove personal information that I don't want on my credit report. According to the fair credit act. 15 USC 1681. I have a right to privacy. Also according to 15 USC 6802. No financial Institution is not suppose to share my information to third party people. These are a clear violation of my federally protected consumer rights.
Consumer complaint received 2024-05-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Illinois Collection Service, Inc. (OR)

The debt in question was a violation of the No Surprises act, and as such was not to be paid but the medical facility sent the balance to a collection agency regardless. The collection agency has continued to harass me via text message, directly addressing my XXXX XXXX XXXX son ( the subject of the charges ) in their threatening correspondence. It is constant, and it is inappropriate to be writing their messages to my son.
Consumer complaint received 2022-01-20
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. (TX)

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. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-03-26
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (NY)

I close on a mortgage in XX/XX/2020 with XXXX XXXX. They have since sold the mortgage to Caliber Home Loans. At the closing, there was an approximately {$3000.00} that was to paid off some debts. The debt in question was already being deducted from my paycheck. The lawyers agreed that after the full amount is paid through my paycheck, then I would get the check. That never happened. I kept requesting for the check with no real answers. As I was going through the closing documents I also notice that I never received an accurate closing documents with the actual expenses. The documents that I signed three days before closing were estimates not the actual expenses, because the estimates for the title company was different from what the amount on the title expense statement. This was confirmed by the original loan officer. I am requesting for a thorough recount of the closing process of the mortgage because I believe that I am currently responsible to pay back a mortgage amount that is not accurate. In addition, there was supposed to be a {$500.00} credit applied on the price of the house. This credit was not honored. Then I got an unpaid tax for 2020. 
I tried to resolve the problem with XXXX XXXX  with no success. So I am putting the complaints with the current loan servicer Caliber Home Loans.
Consumer complaint received 2023-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I opened my chase business account with {$200.00} dollars and now its shows Im negative its not fair I didnt even get to use my card since I lost it and they have been charging me monthly service fees without me knowing I asked if as a courtesy they can reimburse me these fees they said no
Consumer complaint received 2022-01-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (WA)

The Covid Forbearance Plan for which I was approved, expires on XX/XX/2022. BB & T and I have enjoyed a cordial informative relationship until XXXX XXXX XXXX  and today, Wednesday, XX/XX/2022, on which both occasions I received misinformation by from their representatives, XXXX, on Friday and today, XXXX. 

Yesterday, XX/XX/2022, I received a letter, dated XX/XX/2022, concerning my loan and the options available to me. After reading and consulting with one of the housing counselling services provided, I decided to call the bank to put my choice in place. It is on that occasion that I spoke to your representative, XXXX who contradicted the information laid out in the letter and that which was provided by the housing counsellor. He became irritable, subsequently hanging up the phone, when I highlighted the inconsistencies and ask for a copy of the transcript of our conversation. ( The transcript will demonstrate his contradictions in the call and unprofessional behavior ) Examples of the misinformation which he later corrected but insisted it did not say included the following : 1. My forbearance plan was not eligible for extension which he later corrected to say, I have a further XXXX should I need to extend. 
2. Telling me he could not provide a written record of our conversation. 
3. Creating confusion about the option of placing the missed payments to the back of the original loan agreement, which would become due when the original loan maturity due date occurs, or the loan is paid off via refinancing or selling of the property. This was confused with the repayment plan option. 
When I brought to XXXX  attention that what he was saying was inconsistent with the letter I received, and that I required clarity, he became very rude saying I was preventing him from telling me about the plans. 
In the incident with XXXX, I asked addition questions about each option which he was reluctant to answer insisting that putting the lump sum to the back of the loan was my best option. I explained to him that I needed to understand the merits of each option with accurate numbers so I can make the best decision for myself. He told me that, the information will be provided in the documents sent to me, after the choice, of the back of the loan deferred balloon payment option is made and not before. 
His failure to answer the questions and or provide information about my loan so that I can choose the best option for myself, encouraging me to favor one option over another, without a full understanding of my specific situation. 
I called back the bank, on the same day, XX/XX/2022, and left a message on the afterhours message service, describing the issues in the contents of this letter, and alerting them of the intent to report this to the XXXX XXXX XXXX XXXX. 
.
Consumer complaint received 2021-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (FL)

This XXXX limit my score is over XXXX And my lowest credit limit as with them in my second lowest credit limit as with XXXX XXXX for XXXX my highest one is my black card through XXXX XXXX and they just keep give me a XXXX credit limit should be at least {$20000.00} and I feel like theres discrimination her because I have better credit than my friend and I make over XXXX a year and I have over {$10.00} XXXX in assets and they keep declining me for a legitimate question
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

Please look into These fraudulent accounts on my report they have not been verified and I have not received accurate documentation as to why these accounts on my report and it has been months and I have received anything please remove
Consumer complaint received 2024-05-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation (FL)

I received a collection notice from Penn Credit regarding an unpaid debt for Penn XXXX XXXX XXXX The amount in question is {$1300.00}. I called Penn Credit and explained that my name is the same as the debtor but it is not me. The services provided were for a property in XXXX PA during XXXX. I have been living in XXXX  since XXXX and I have never lived in the XXXX XXXXThe representative asked me to send an email explaining the mixup to Penn Credit 's Compliance dept which I did. I included a copy of my drivers license and a proof of Florida residence. I also filed a police report with the XXXX XXXX XXXX dept here in XXXX XXXX FL. I called the agency today and they have not taken my name off the account. 
The credit agency did not have any social security number associated with the debt. 

I also XXXX  the property in XXXX and found that an individual with my same name owned that property in XXXX and has subsequently sold it. His work information was also available.
Consumer complaint received 2022-01-20
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. (NY)

Please look into These fraudulent accounts on my report they have not been verified and I have not received accurate documentation as to why these accounts on my report and it has been months and I have received anything please remove
Consumer complaint received 2024-03-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Upstart Holdings, Inc. (GA)

Upstart XXXX Inc is alleging I owe a debt that is not. The debt has been canceled and reported as income to the IRS since this is income it can not be reported to the credit bureaus.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Reached to capital one auto finance back in XX/XX/2021 and made a one time settlement payment in the amount of {$1300.00} to be relieved from this debt in addition to an agreed " deletion '' across all credit bureaus. Capital One Auto Finance did not fulfill agreement after over XXXX since settlement.
Consumer complaint received 2021-01-25
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. (MN)

I reached out to Equifax, XX/XX/XXXX and XX/XX/XXXX on three different occasions XX/XX/2020, XX/XX/2020, and XX/XX/2020 about fraudulent accounts and inaccurate personal information that is present on my credit profile also due to fraud, I also called in XX/XX/XXXX and spoke with the supervisor XXXX XXXX, ref # for the call is XXXX XXXX XXXX, I also spoke with XXXX same reference number I was told inaccurate info would be removed ( addresses, names, inquiries ). Those items are yet to be removed. I also sent proof from FTC report with dispute letters. It is evident they are breaking the law seeing that they haven't responded in over 90 days. These are the tacking numbers for each certified dispute that was sent out XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. These are the fraudulent accounts and inaccurate info requested be removed XXXX XXXX XXXX account # XXXX, XXXX XX/XX/XXXX A account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries that need to be removed is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Please review this info and check with these bureau to see why they haven't removed these accounts or even responded to me within the legal time frame. Thanks.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

Auto loan at XXXXXXXX XXXX XXXX XXXXXXXX has been paid off and account information needs to be updated. 
Balance {$6500.00} is incorrect. 

Balance is {$0.00}
Consumer complaint received 2022-01-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2024-01-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/XXXX I discovered that {$5800.00} was missing from my money market account. I checked all accounts and learned that it had been transferred onto my prepaid bank card and spent at 2 different locations in New York. I immediately called he fraud dept and reported this. I also called the XXXX XXXXXXXX XXXX where the money was spent. Nobody has my personal information but me. I don't have passwords written down. They are in my head. The bank says they are not at fault. They gave me a provisional credit on my card which I transferred back onto my money market account. Now they have reversed the credit and have a negative {$5200.00} showing on my card. I have gone to bank numerous times. Filed police report and turned in questioner forms to the branch manager. XXXX XXXX. All I can get out of them is that the bank is not at fault and saying I must have authorized the transaction. I knew nothing about it until I checked my account. They won't even tell me if they received the police report. XXXX XXXX # is XXXX XXXX XXXX. Please advise as to what to do. I will contact a lawyer if I need to. Thank You. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-20
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. (MA)

I have been working with Experian to remove wrong information or just show me some prove of where they're getting the incorrect information on my credit report. 

Below are the issues of complain, you will also notice I have taken the step as it is listed on their website : Remember, inquiries can't be disputed online. If you believe an inquiry is the result of identity theft, contact us at XXXX. 

They have late payment for my XXXX XXXX which I have never been late. I have asked for proof with not avail. 

1. credit card graphic XXXX XXXX XXXX  XXXX XXXX XXXX XXXX name 2 late payments The following inquires are on my report without my permissible use. I have locked my account for numberous time for this reason. I have contacted the original creditor, only to be told they don't have any information. 

Here is a list of the inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date XXXX XX/XX/XXXX XXXX XXXX Stores Inquiry XXXX : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Banks - XXXX specific Inquiry date : XX/XX/XXXX XXXX date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry date XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX Removal date : XX/XX/XXXX 2023
Consumer complaint received 2022-01-20
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. (MO)

On XX/XX/2022 I engaged in a consumer credit transaction with XXXX XXXX. XXXX XXXX sent me a adverse action letter that violated my rights pursuant to ( 15 U.S.C. 1691-1691f ) that stated Transunion Consumer Solutions is still reporting a bankruptcy / derogatory public record on my consumer credit report. I have tried to dispute the accuracy of this matter with Transunion several times and the derogatory public record is still on my report. Due to the inaccurate credit reporting, Transunion is directly impairing the efficiency of the banking system pursuant to ( 15 USC 1681 ( a ) ) which is essential to the continued functioning of the banking system. Transunion have ASSUMED a vital role in assembling and evaluating consumer credit and other information on me pursuant to ( 15 USC 1681 ( a ) ( 3 ) ) and have violated my right to privacy pursuant to ( 15 USC 1681 ( a ) ( 4 ) ). Please help me rectify this matter as Transunion have continued to diminish the value of my consumer credit report.