davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (VA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. (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 2022-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Select Portfolio Servicing incorrectly handled my extra escrow payment putting the entire amount sent for escrow into my principal. I sent two checks by mail. I indicated on their form where the funds were to be applied to. Rather then read the form to see where the money was to go, funds were sent directly to my principal. I was told that the customer service don't read the forms and just put all incoming funds to the principal. I still have a shortage and think it would be feasible to comply with the paying customers request. 

I believe, based on calling over the past week that the bank 's process center is intentionally not making the correction in a timely manner. I have called customer service and management. I am told the problem will be corrected in 60 days. To me 60 days is too excessive. My statement detail incorrectly showed the balance of the escrow still showing a shortage. I would like this matter to be corrected ASAP.
Consumer complaint received 2021-03-26
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. (OH)

I sent multiple letters in which most was notarize. I was ignored and bluntly disrespected as a consumer. I have been inquiring about this information over and over for months and months this is hindering me from buying a property. The credit bureaus don't care. I made multiple phone calls trying to get someone to give me a clear understanding but I eventually will get hung up on. It's very disturbing trying to get things done when these companies are acting like this. This is a on going process and I NEED HELP!
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 — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX has a collections acccount open in XXXX and Experian but not XXXX. This is not a accurate reporting since there are inconsistencies in the reporting. This is effecting my financial reputation and causing me alot of distress. I request documentary evidence and a investigation to disclose any proof of my obligation and commitment to pay this alleged debt. Also I demand this account to be removed from all three bureaus if any documentary evidence can not be found.
Consumer complaint received 2016-08-04
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (NH)

I have sams club master card.I have XXXX stores and all seperate sams club master card.Every week we buy from sams club and pay off.I have {$15000.00} credit limit and every week I buy more than {$12000.00} cigarettes and grocery for my store. Synchrony bank said every week you are paying is unusual payment activity and they close my all three account and he fortified my more than {$7000.00} rewards, I called couple of time he said open new account, I said I dont want to open new account because may be you close account again and you fortified my rewards, I told sams club manager XXXX, XXXX and he tried to open my account but Synchrony bank said no more rewards, so If they closing my account I have no problems but I need my rewards back because it is allmost {$7000.00}
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I have been trying to get inaccurate things off of my credit report for a while now. I have informed XXXX, XXXX, and Experian that I am a foster youth. I am a victim of identity theft and that there are numerous things on my credit report that do not belong to me, are inaccurately reporting, and it is keeping me from obtaining the things I need to get buy such as housing, a vehicle and other things. 
15 usc 1681 inaccurate reporting. 
XXXX is reporting that XXXX XXXX opened XX/XX/2022 was closed XXXX XXXX as a charge off for {$5000.00}. 
XXXX is reporting that XXXX XXXX was opened XX/XX/2022 it says it is closed but does not give a date, it is charged off {$5000.00} Experian is that XXXX XXXX was opened XX/XX/2022 closed as a charge off. XXXX written off. {$5000.00} credit limit XXXX highest balance. 
A charge off is considered a certificate of indebtedness. Which means it is income. Income should not be reported and must be removed. Experian, XXXX, XXXX, and XXXX XXXX  are reporting inaccurately, unfairly and I have opted out therefore they are not respecting my wishes or the privacy of my personal information. Which is their duty according to The Fair Credit Reporting Act. 
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).
Consumer complaint received 2016-02-26
Product: Credit card — 
Issue: Billing disputes — 
Company: ENCORE CAPITAL GROUP INC. (MD)

I was contacted by Midland Funding LLC for a debt of {$700.00}. After paying my debt of {$700.00}, they filled a lawsuit against me. Every time I call their office, I speak with a person not of American decent that can not connect me to management. The only way that I found out that I have a court date on Monday, XXXX XXXX ( NEXT MONDAY ), is because my parents called me to tell me I have a notice to appear in court. I have n't lived there for years and the company has my address on file because they keep making me repeat it for identification purposes on the phone.
Consumer complaint received 2018-03-15
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SIMM Associates, Inc. (TX)

On XX/XX/2018, my spouse was contacted regarding a personal account that I have in collections. My husband is not associated with this account in any way. He doesn't even know my SS #. The debt collector shared detailed information on this account- amount owed, purchases made, dates, etc. I spoke with them today and they have assured me that he will no longer be contacted. 

Can they do this because we are legally married and live in Texas? I complained to them and reminded them of Federal law.
Consumer complaint received 2015-05-04
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (NJ)

Initially we applied for a loan modification with XXXX XXXX. The temporary loan agreement was sent to us by XXXX XXXX and we made the XXXX payment on the agreement, but the loan was literally sold the next day. The new servicer Caliber Home Loans called us a few days later and asked what our intentions were since they were denying our original temporary modification agreement. We never received an exit letter from XXXX XXXX, and now we were faced with a new servicer not willing to except any agreement we had with XXXX XXXX. Their solution was for us to reapply for a loan modification with them from scratch. We have been in a back and forth battle trying to get a modification. After a few months they wanted us to send them more money, and they would look to continue with the original modification we had with XXXX XXXX. We asked XXXX to put it in writing, but they never did. We have now attempted XXXX times to get a loan modification with no avail. With contacting a HOPE and a Housing Counselor, it looks like our FHA loan has turned into a conventional loan. Both the Hope and Housing Counselors did not understand why our loan type changed from FHA to conventional. It 's both the counselors understanding that this loan type should not change without a refinance ; no refinance was ever done by us to change the FHA type loan. We have requested that Caliber Home Loan look into this dispute by sending them our closing statement and the FHA loan number we 'll provide the same to you. It seems they are calculating my Debt to Income ratio not in accordance with FHA guidelines. We are facing a Sheriff 's sale on XXXX/XXXX/XXXX, and we have used all our postponements in working with them. We are requesting that you look into this matter, so we can maintain our home.
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (FL)

XXXX decided to lower my credit card with no notice causing my utilization to drop significantly I have never been late making a payment and the account was active. No significant changes were infected on my credit report. Ive called the company several times and was given the runaround as to why they lowered my credit limit from XXXX to XXXX XXXX.
Consumer complaint received 2016-07-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: National Credit Systems,Inc. (GA)

Debt collectors calling telling me that I will be sued if I do n't pay. She calls a couple times a week threatening me with lawsuits and jail if I do not pay.
Consumer complaint received 2015-07-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (NJ)

CHEXSYSTEMS HAS A VERY LOW SCORE ON ME BUT CAN NOT TELL ME WHY. THEY HAVE NO ADVERSE INFORMATION IN THEIR REPORT, YET WILL NOT RAISE MY SCORE. I HAVE NOT BEEN ABLE TO KEEP A BANK ACCOUNT OPEN FOR SEVERAL YEARS. I NEED YOUR HELP, PLEASE
Consumer complaint received 2022-07-19
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. (NY)

CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # 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 2015-08-03
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

My late aunt opened a simple savings account in trust for my brother at Capital One Bank in XXXX. She passed away in XXXX and I have been trying, as POA, to get the account closed and a check issued. I have had a great deal of trouble with the bank in what should be a simple transaction.
Consumer complaint received 2024-02-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Tenaglia & Hunt, PA (NY)

In XX/XX/2023, I received a summons from debt collector Tenaglia & Hunt via a neighbor, alleging a debt of {$17000.00}. The summons threatened wage garnishment, property seizure, and credit damage if I fail to appear in court. This raises concerns about privacy violations and potential violations of Consumer Financial Protection Bureau ( CFPB ) regulations, which prohibit deceptive debt collection practices and false threats.
Consumer complaint received 2021-02-25
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: National Credit Adjusters, LLC (CA)

I am writing to you because I am having difficulties with buying a house and applying for new credit cards. I paid the collection and do not owe anything, but the mark in the report prevents me from achieving the desired results. 
I am kindly requesting your agency to remove this collection from my credit report as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me. 

NATIONAL CREDIT ADJUSTERS Account number : XXXX
Consumer complaint received 2016-01-08
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (NJ)

I am an attorney so I know the law of payment systems and I know a law was broken here. I went to a merchants website and hit the " go to paypal '' button. When I logged into paypal, the payment company transferred money out of my bank account and into the merchants account. This was done without my consent and no authorization occurred. I contacted paypal within the hour and paypal considers it a valid transfer even though I just logged into paypal without authorizing a transfer. Paypal calls this the new, improved " XXXX XXXX '' service where it make a fast and instant transfer without the usual customer review and consent. I want my money back of course but - more importantly - for paypal to stop this new practice of money transfers without consent or authorization.
Consumer complaint received 2022-07-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (MO)

Person said they sent me {$200.00} to my zelle. 
I checked my email and I had an extremely official looking email from Zelle who said I did not have a business account and there needed to be more money sent by the seller. The seller said they did their part, I sent them the refund. I didn't feel right about it, but the email was SO realistic. I felt like I must be missing something and this HAD to be legit.
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 — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I contacted Experian in XX/XX/2021 and let them aware that I did not live at XXXX XXXX XXXX XXXX  XXXX, Texas XXXX. XXXX and XXXX do not have this address listed at all. The representative told me that the address will be deleted off of my credit report. It has not been deleted.
Consumer complaint received 2015-10-02
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Byrider Franchising, LLC (IL)

JD BYRIDER { CNAC }, XXXX, Iowa has been taking car payments, electronically out of my checking account for the last month and a half without my permission or consent for a vehicle loan that is in no way associated with me or my name.I am XXXX years old and am trying to survive on a fixed income and now have a negative checking account balance.
Consumer complaint received 2024-05-13
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Seattle Service Bureau, Inc (TX)

On XX/XX/2023 I was involved in a car incident at XXXX XXXX that resulted in the front end of my car being ripped off and the other vehicle having a damaged tire and scrapes on the side. I exchanged insurance information with the driver and returned to work while on a XXXX shift. I serve in the XXXX XXXX and was on this shift at this time and went to grab breakfast. I filed a claim with my insurance company at the time ( XXXX ). XXXX proceeded to claim I did not have a driving insurance policy even though I was paying for collision coverage which by XXXX 's definition states it is for when your vehicle is in motion and you are at fault when you collide with another object. A few weeks later, the driver of the other vehicle notified me that XXXX refused to pay for the damages to his vehicle. 

A year had passed, and a company named " National Service Bureau '' contacted me from a Washington XXXX number, claiming to represent XXXX XXXX ( the insurance company of the other party ). They asserted that I owed XXXX a significant amount of money, or my driving privileges would be suspended/revoked. They proceeded to call my aging mother at her home in Maryland even though I had not lived there for a few years. They appeared to use a different phone number each time they called and it would occasionally be labeled as " spam '' or " potential scam. '' I sent a debt dispute to the XXXX and provided an address to send written correspondence to that was my up-to-date residence. The XXXX continued to call my mother halfway across the country and she is the only person I know to have received any mail from them. I have not received a piece of written mail from them, my unit has not notified me of any mail from the XXXX, and I did not receive any mail from the XXXX out of my UPS box. They continue to claim I owe this debt over the phone over the false assertion that I had no car insurance at the time of the incident. They also continue to threaten to revoke/suspend my driving priviledges under this false assumption.
Consumer complaint received 2016-03-06
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

I have attempted several times to correct bank of america reporting on my own. They are in violation of the FCRA 405. They are not reporting information XXXX accurated dated and verifiable information. 
See the letters I have sent to the bureaus and the most current and original report. They have to permanently and legally remove information that is not reporting XXXX accurated dated and verifiable.
Consumer complaint received 2022-07-19
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. (TN)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Addresses : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX  XXXX, TN XXXX XXXX XXXX XXXX, TN XXXX Employers : XXXX XXXX, TN Collecons : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX AXXXX XXXX XXXXXX/XX/XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX  XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX, TN XXXX Employer : XXXX XXXX XXXX XXXX  XXXX, TN XXXX XXXX Collecons : XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX NA XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-02-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation (TX)

I'm receiving debt collection calls to my work phone from a debt collector I do not know. It's Penn Credit Corporation and the number on my work caller ID is XXXX. 

I'm in a open area at my office and I don't want to be heard talking to a debt collection company, let alone one I don't even know. 

I receive about 2 to 3 calls a day.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I created an online EXPERIAN Account and was unsuccessful in retreiving my credit report, I called EXPERIAN and i was told that I need to wa

it 72 hours in order to receive access to my online report. it has been 2 weeks now and I can't access my o
nline EXPERIAN Credit Report.