davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-14
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. (TX)

Experian is showing a late payment on my credit file for XXXX account # XXXX in XXXX of XXXX. Also Experian is showing a late payment for XXXX account XXXX XXXX for XX/XX/XXXX after the account was reported closed. According to 15 U.S. Code 1666b.Timing of payments ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) 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. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2022-03-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in 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 Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-01-14
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. (PA)

I received a copy of my credit report, and I am disputing some items that need to be deleted. Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card per FEDERAL LAW 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or other services on credit. Notice, congress said ANY card, the credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. Pursuant to 15 USC 1681c ( a ) ( 4 ) states that any information that is placed for collection or charged to profit lost should be excluded from my consumer report. Why are these consumer reporting agencies furnishing information without my consent. Pursuant to 15 USC 1681a ( 2 ) ( B ) these transactions should be removed from my consumer report expeditiously. I am demanding that you block and remove these transactions from my report as they are a violation of my rights as a federally protected consumer under Title 15 Chapter 41.These accounts should all be removed from My consumer report pursuant to 15 USC 1681a ( 2 ) ( a ) ( i ) .I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.I sent a certified letter 12/20/2021 and received notice that you received. You have 30 days to complete my request, you are on notice. All of the consumer agencies are civilly liable for negligent non compliance pursuant to 15 USC 1681o.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aargon Agency, Inc. (GA)

Aargon Agency Inc reached out to me last year about an account that did not belong to me. I explained to them that I was part of several major breaches and that this account was not mines. I let them know I resided in XXXX  and had not lived in XXXX  since XXXX. I briefly returned in XXXX after an injury before moving to XXXX  and I had no utitlies in my name. I resided with my mother. They said they would investigate and then I heard nothing else. Now it is on my credit report and I continue to dispute this information. The only person that could probably have an account in my name was my mom 's husband XXXX XXXX who has passed years ago but he was the landlord.
Consumer complaint received 2022-01-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I've sent serval disputes asking for validation and my wet signature and none of the 3 bureaus have been able to provide proof of debt. 

THIS IS A FCRA VIOLATION and I would like the following removed from my credit report ASAP. 

Account : XXXX  Account # XXXX
Consumer complaint received 2022-01-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

See attached package including a True Bill, received by company as verified by XXXX XXXX of Mailing Form 3817 with a postmark date of XX/XX/2021. 

XXXX received the instrument and responded ( see last page of packet attached ) by saying they were ceasing and desisting all collections and have returned the account to their client.HOWEVERThey, along with their client, USAA have kept the instrumentwhich facilitates discharge according to UCC 3-603 Tender of Payment. They did not send back anything other than the correspondence attached. 

Not only have they and USAA violated numerous 15 USC laws such as : 15 USC 1692c ( a ) Communications without prior consent. {$1000.00} 15 USC 1692c ( b ) Communications without prior consent with third parties {$1000.00} 15 USC 1692c ( b ) Communications without prior consent with third parties {$24000.00} 15 USC 1692b violation stating consumer owes debt {$1000.00} 15 USC 1681b Furnish consumer report circumstances and no other {$1000.00} 15 USC 1681s Responsibility of furnished of information {$1000.00} 15 USC 1692e debt collector {$1000.00} 15 USC 1681i treatment of inaccurate / unverifiable information {$1000.00} They have sent these documents through the United States Postal Service [ 18 USC 1341, 1342 As of the date of this complaint, neither XXXX, nor USAA has returned the instrument tendered on XX/XX/2021 as verified by the XXXX postmarked Certificate of Mailing.
Consumer complaint received 2022-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I recently viewed my credit report and noticed a capital one account that was not mine. I contacted the creditors explaining that I am a victim of identity theft. I am for certain that the alleged debt did not belong me. They responded via mail stating that they had completed the investigation and the items were not deleted, as requested. I reached back out to them requesting the following ; copies of the original contract with my signature, copies of any papers that I agreed to pay what you say I owe, and explain what bounds me to them.Also, what kind of business dealing have I done with them? By law, everything on my credit report must be accurate, verifiable, and reporting a timely. If not, information must be removed from my credit report. Unfortunately, the problem was not resolved and they have yet to to provide signed documents with my signature.
Consumer complaint received 2022-10-12
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-01-14
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: National Credit Adjusters, LLC (FL)

NCA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX To whom it may concern : I am formally requesting that you validate all notations you have submitted to the three major credit reporting agencies by XXXX XXXX XXXX XXXX for me, XXXX XXXX, for account number XXXX. In the amount Of {$480.00} Due to possible inaccuracies in these credit reports, I lawfully request the debt validation be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally. 

Please know that you have 15 calendar days from the tracked and confirmed delivery of this notice to either answer these demands or to remove the associated negative trade line notations from reporting agency reports.
Consumer complaint received 2022-01-14
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: Experian Information Solutions Inc. (IL)

XXXX XXXX, XX/XX/2021. XXXX XXXX XXXX XX/XX/2021. Bk of XXXX, XX/XX/2021. XXXX XXXX, XX/XX/2021. XXXX XXXX XXXX, XX/XX/2021. XXXX XXXX. These were through Experian that i have disputed and they will not remove.
Consumer complaint received 2022-01-14
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. (TX)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2022-01-14
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)

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX  days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation
Consumer complaint received 2022-01-14
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. (AL)

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 Equifax 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 Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2022-07-11
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. (NV)

I HAVE TRIED TO CORRECT THE REPORTING OF MY CREDIT FILE BY SENDING COPIES OF MY BIRTH CERTIFICATE, DRIVER LICENSE, UTILITY BILL, MY SOCIAL SECURITY CARD, AND MY RIGHT TO HAVE ACCURACY AND TRUTH TO MY NAME ADDRESS IS STILL BEING VIOLATED I HAVE ENCLOSED A LETTER FROM XXXX AS TO WHAT I SHOULD SEND TO HAVE THIS CORRECTED. 
THIS IS MY CORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX NV XXXX PLEASE DO NOT LIST ANY OTHER ADDRESS FOR IT IS NOT DELIVERABLE BY USPS. 
NO PHONE NUMBER LISTED
Consumer complaint received 2021-09-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Concord Servicing Corporation (CO)

I signed up for a time share and I had been unable to use it every time that i went to use it due to blackout dates that weren't in the contract. I was still honoring the contract in good faith. However once the pandemic hit in XXXX of 2020 i had my XXXX  's taken from me due to no fault of my own. Due to this i was unable to continue to make the payments. Since that time the time share has continued to add maintenance fees on my account and interest payments. I am unable to pay at this point and it is becoming to much but in addition i don't believe the company has honored their contract in good faith. Can you please help me resolve this matter.
Consumer complaint received 2021-09-23
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: Bread Financial Holdings, Inc. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account.
Consumer complaint received 2021-09-23
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. (NJ)

XXXX XXXX XXXX  and tin used to financially abuse my credit report by constantly putting on and taking off late payments that were made in compliance with the change of payment date from the XXXX  to the XXXX during the pandemic. Within the past 30 days they have made six changes to my credit report as my loan officer has been documenting everything like I have. They have recently blocked my account balance from being shown after they lied to the credit bureau that my balance was over {$2900.00}. I can not speak to this company because their representatives are uneducated disrespectful southern customer service representatives that are trained in collections not customer service. My Exhusband is responsible for this account, I paid two months out of my own money and instead of updating the balance they reported the balance almost twice as much to the credit bureaus. They know exactly what theyre doing it is one lady that handles this account and I would like to know her legal name. Consumer finance needs to investigate this company to the very end.
Consumer complaint received 2022-01-14
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: LEXISNEXIS (NY)

I've asked XXXX and XXXX to VERIFY and VALIDATE the information reported on the Bankruptcy on my report for a year now. WHEN and IF they respond to my request they are keep sending me the same respond " We VERIFIED the account as ACCURATE with the reporting AGENCY LEXISNEXIS or 3rd PARTY company. 

I also received a letter from XXXX saying we verified the XXXX as ACCURATE and if you need more details CONTACT the COURT. 

I contacted the COURT and they sent me a letter that they DO NOT REPORT or SEND any INFORMATION about the PUBLIC RECORD to ANY BUREAU!! so WHERE and HOW did LEXISNEXIS and the other bureaus VERIFIED and VALIDATED the information if there is NO REPORTING to any of them or any of then have a way to get the information??? 

IT IS A COMPLETE VIOLATION of reporting according to the FCRA!
Consumer complaint received 2021-09-23
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. (WA)

I have disputed 3 accounts that Experian are negatively affecting my credit. They have failed to send me any documents as to how they investigated my dispute or send me any information that verified the debt they claim I owe. I am certain that the items I disputed are incorrect and should be removed immediately. I have also disputed the fact the have so many different names for me on file.
Consumer complaint received 2022-01-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE (OH)

XXXX, and XX/XX/12 I made deposits to cover my account according to what the account showed in real time. Now I didnt realize that this bank do not put in the overdraft fees in pending. Therefore didnt know I had these fees til they post. What they did was take their fees and returned my echeck to XXXX and charged me a returned check fee. Huntington caused my account to bounced and caused XXXX to locked my account! Now this echeck will be presented in a few days because of their mistake. Meanwhile {$360.00} has been taken in fees.
Consumer complaint received 2023-01-20
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. (FL)

my credit cards do not appear on my transunion credit report and they are more than XXXX XXXX XXXX. This has brought me many problems when requesting new credits since I do not have that history. it's all because there's a mistake in my name. which I sent to modify for XXXX XXXX with transunion with letters and calls and I have not achieved the objective, my XXXX XXXX XXXX last names come together in a XXXX  word, when all I want is to be separated or just leave me with only XXXX name and a XXXX last name as it has : XXXX XXXX. XXXX. experienced. XXXX.
Consumer complaint received 2022-01-14
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. (SC)

Equifax - XXXX 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. We hope this resolves your concerns. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. I WANT TO KNOW THE FURNISHER THAT IS GIVING EQUIFAX INFORMATION. I HAVE NOT GIVEN ANY 3rd PARTY FURNISHER MY INFORMATION NOR HAVE I GIVEN PERMISSION TO GIVE OUT MY ADDRESS OR MY NAME. SEND ME THE SOURCE THAT IS GIVING EQUIFAX MY INFORMATION!
Consumer complaint received 2022-07-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (IL)

I have a private loan for {$10000.00} that was given to me through my XXXX school, the University XXXX XXXX XXXX XXXX XXXX XXXX, which is serviced by Heartland ECSI. This loan was deferred throughout my residency and fellowship training, through verification forms that I submitted on time every year ( see attached forms ). During COVID, the University and ECSI were following the guidelines from the CARES act, continuing the forbearance regardless of training status because of COVID. When I spoke to the ECSI representatives during this time, they told me that I did not have to submit any training verification forms because my loans were already in forbearance. 

Unbeknownst to me, the University and ECSI decided to stop following the guidelines for federal student loans, and as of XX/XX/XXXX my loans went back into active repayment without my knowledge. I received NO communication that this was taking place, neither from the University nor ECSI. I had assumed that my loans would remain in forbearance until XX/XX/XXXX, as my other federal loans will. Unfortunately, I was charged interest for the month of XXXX, even though my fellowship training did not end until XX/XX/XXXX. In fact, I even had a final deferment form dated XX/XX/XXXX, which should have covered me through the month of XXXX ( see attached forms ). 

My plan was to pay off the loan in full once the forbearance ended and am prepared to do so today. However, it is not right that I was charged interest for a period of time when my loans should have been in forbearance. Despite multiple phone calls to ECSI explaining the situation, they refuse to remove the interest from my account. After much difficulty ( including being hung up on by an ECSI " advocate '' ), I have escalated the situation to a supervisor and am awaiting a call back regarding this issue.