davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

My Chapter XXXX bankruptcy was discharged thisXX/XX/2020. After reviewing my credit report I see that my existing mortgage with XXXX XXXX XXXX  is no longer reporting on my credit report. This loan was NOT included in the bankruptcy and is in good standing with all payments being made on time. 

After multiple conversations with my local branch as well as the mortgage branch I have been told they no longer report once they have been notified that a bankruptcy was filed, even though this loan was not included. Now that it has been discharged, my expectation is that this loan now reports past as well as future payments so that future creditors can see that I DO have current credit. 

Without my mortgage reporting I am unable to get further credit in order to establish a positive credit score.
Consumer complaint received 2022-08-22
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: SYNCHRONY FINANCIAL (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-03-30
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. (MO)

I was looking at my credit report and seen a bunch of stuff that wasn't mines on my credit report like bills, addresses and names. I sent letters and tried calling multiple times to get the negative information deleted but had no luck. I was told to come here and submit a complaint to get help. it has been 2 months now and still no answers from XXXX, Equifax and XXXX
Consumer complaint received 2020-09-03
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$12000.00} -This is not my account.
Consumer complaint received 2020-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was victim of identity theft and I filed a police report and sent it over to XXXX  twice in the last 60 day. XXXX  has yet to remove the information and I also heard nothing from the credit agency or data furnisher.
Consumer complaint received 2022-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (SC)

Truist has repeatedly sent me letters falsely stating that my mortgage is not being paid on time. I pay my mortgage on the XXXX of every month, which is within the grace period. I have been doing this every single month for nearly 13 years and have never once been late. When BB & T owned my mortgage, I never received a single letter like this. Yet, I have started receiving these letters from Truist, which are always dated the XXXX of every month, falsely stating that the bank has not received my mortgage payment. These letters threaten interest and late charges and state that they are an attempt to collect a debt. 

I called Truist about this over the summer ( 2022 ) and informed them of this problem and that I, in fact, have never missed a single payment. They told me it would be fixed, and for a while it was. Then I began receiving these letters again. 

These letters are false, upsetting, annoying, and potentially defamatory ( if they are being published to a third party ). My concern is that Truist is going to either intentionally or unintentionally report this inaccurate information to the credit bureaus, damaging my credit. If this happens I will take aggressive legal action against the bank. 

Truist can easily check my records to see that these letters are falsely accusing me of not paying my mortgage on time. This is, therefore, an easily correctable problem. I want Truist to stop sending me false statements that I am not paying my mortgage and to please update their system to stop sending me these letters. 

Truist needs to stop automatically sending mortgage customers late notices on the last day of the grace period, since a payment can still validly and timely be made on that date. In other words, they need to wait until at least the XXXX of each month to send these. 

I dispute any statement from Truist that I have been late with any of my mortgage payments.
Consumer complaint received 2021-02-10
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. (NY)

I disputed inaccurate data on my Transunion credit report on XX/XX/XXXX for an account XXXX XXXX XXXX XXXX that was reported as charged off in XXXX. On XX/XX/XXXX Transunion falsely claimed to have contacted XXXX XXXX and verified the results which resulted in no change to the inaccurate information. When I contacted XXXX XXXX, not only did the information not match what Transunion reported but another reporting agency XXXX XXXX XXXX verified completely conflicting results including a different charge off date, date of last payment, and on time payment activity.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

*** XXXX XXXX account number is XXXX XXXX open XXXX XXXX, 2022 the information not correct, the name is not correct, the address not correct, I am sure account not my, please remove on my credit report, thanks
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (CA)

My credit card account was taken into collections after I had tried to settle the balance with them. They decided to take my account to collections anyways. I then paid the amount on the account for {$1300.00} on XX/XX/2022 and the collection company wrote me via email that the account would be deleted if the amount was paid. This account still shows as an open balance in full and it shows as a charge off. I need help with making this right and taking this off my credit reports.
Consumer complaint received 2022-12-12
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 — Investigation took more than 30 days
Company: Consumer Adjustment Company Incorporated (NJ)

After reviewing my credit profile XXXX, I identified a discrepancy with the account listed below and requested validation as this was an account I did not recognize. Its been over a month and I still have not received any correspondence from the creditor validation that the account belongs to me. I reviewed my credit report again XXXX and the account is still reflected on my account. I sent a second letter of debt validation and have yet to receive any debt validation. I do not believe this account belongs to me, nor do I believe that the creditor has the authorization to access this account or authorization to attempt to collect on this account. this account continues to negatively affect my credit profile. Please remove this account from all three credit bureaus.
Consumer complaint received 2020-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OH)

DEPT OF ED/XXXX HAVE SEVERAL ACCOUNTS LISTED ON MY CREDIT TRADELINES FROM DATE OPENED XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. THESE ACCOUNTS ARE ENTIRELY TOO OLD TO BE LISTED ON MY TRADELINES AND THEY WERE ALSO PAID OFF AND TRANSFERRED TO ANOTHER LENDER. THERE ARE MANY MULTIPLE ACCOUNTS LISTED WITH THE SAME ACCOUNT NUMBER. I HAVE DISPUTED THIS INFORMATION WITH XXXX, EXPERIAN AND XXXX WHO REFUSED TO REMOVE THESE ACCOUNTS FROM MY TRADELINE. THEY ARE TOO OLD TO BE LISTED ON MY ACCOUNTS. I WILL CONTINUE TO REQUEST THAT THESE OLD ACCOUNTS BE REMOVED FROM MY TRADELINE.
Consumer complaint received 2024-12-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (AL)

On XX/XX/XXXX XXXX ( XXXX XXXX XXXX ) paid Eastern Acct ( XXXX XXXX ) .I was insured that once paid it will be taken off all 3 Credit Bureaus. As of XX/XX/XXXX I still have a collection on my XXXX XXXX. It is stated Paid, Closed but yet still on all 3. I proceeded calling Eastern Acct and the debt collector assured that on her end it is paid and I will need to call the credit bureaus to get them to take it off. I did just that just to be told that it will be off in 7 years! They did mention that I do a dispute which I did but all in all its down to the " Credit People. '' Originally I was already furious that I have done business with the XXXX XXXX and when moved I even made sure to XXXX  their modem back in the process of moving. Yet months later to find out they were still charging me for a service I discontinued. After they sold my acct to a collector I finally came up with the funds to pay this debt to get my Credit back up and stronger then ever. I need this off so I can continue with my life.
Consumer complaint received 2024-12-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Creditors Bureau Associates (MI)

I received written notice from Creditors Bureau Associates ( CBA ) on XX/XX/XXXX regarding a medical debt owed to XXXX XXXX XXXX for services provided on XX/XX/XXXX in the amount of {$950.00}. CBA Acct # XXXX I have only received one bill from XXXX XXXX XXXX in XX/XX/XXXX, which showed an amount due of {$43.00}. The billed amount, {$43.00}, was paid via credit card on XX/XX/XXXX. I have never received any other notice from XXXX XXXX XXXX. 

I attempted to contact XXXX XXXX XXXX via phone today, calling the number on the XXXX invoice. I was told they are a third-party biller and that they no longer handle that medical practice. They gave me a new number to call, XXXX XXXX, which was not answered, and voice mail was full. 

I also attempted to contact Creditors Bureau Associates via phone without success. 

The amount CBA is attempting to collect, {$950.00}, is the exact amount of the XXXX XXXX Discount line item on the XXXX XXXX XXXX invoice. 

For your reference, I have attached a copy of the collections notice from Creditors Bureau Associates, the original invoice from XXXX XXXX XXXX, the credit card statement showing XXXX XXXX was paid {$43.00} on XX/XX/XXXX and the XXXX XXXX EOB showing the amount due.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, Equifax, and XXXX Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following Fraudulent Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Date opened XX/XX/XXXX -late
Consumer complaint received 2022-06-28
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 states : A consumer reporting agency can not furnish an account or account information without my consent
Consumer complaint received 2020-09-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (SC)

In XXXX I had severe hail damage to my residence. Select Portfolio had placed hazard insurance on the property through XXXX XXXX XXXX XXXX. Because of financial restraints I did not have the funds needed to go along with payment of repairs. Finally in XXXX I was able to complete the repairs. I contacted a roofing company and had the correct paperwork drafted and signed and submitted the paperwork through XXXX. I submitted the required documents and resubmitted documents that had errors on them. I was assigned an insurance claim check tracking number initially of XXXX. After submitting the proper paperwork, an initial check in the amount of {$1900.00} was sent to me. The check had my name and the name of the roofing company on it. I endorsed the check and gave it to the roofer. The roofer completed 50 % of the repairs as stipulated by the terms of the claim which required the replacement of the roof. The other remaining work that needs to be completed is siding replacement. As instructed by the roofer, I contacted XXXX and spoke with a representative to request an inspection. This is when the runaround began as the representative that I spoke with said that they ( Select Portfolio Servicing ) had no record of the check ever being received. For over a month I have been calling and speaking to several people to get a understanding of what was going on. On XX/XX/XXXX I spoke with someone by the name of XXXX. This representative stated that Select Portfolio decided to apply the funds from the insurance claim to my mortgage account because they had not heard from me. I was also informed that a check for the amount of {$1800.00} was sent to someone named XXXX XXXX. This person never did any repairs to the home. I have had to file bankruptcy and of all the paperwork that I recall seeing 'does not show any indication of the application of insurance funds for my damaged home to my account. My current bankruptcy status includes me making payments for all delinquent amounts as they relate to my mortgage.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$110.00} Status Account charged off. {$110.00} written off. {$110.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX Balance {$710.00} Status Collection account. {$710.00} written off. {$710.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Collection account. {$9.00} FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX & XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date XXXX XX/XX/XXXX XXXX {$24000.00} Status Open.
Consumer complaint received 2021-11-15
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. (OK)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports and needs to delete immediately : XXXX-Date of inquiry XX/XX/2020
Consumer complaint received 2020-04-25
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. (PA)

I closed my account XXXX {$2000.00} paid balance in full {$430.00} Was never late! for 4 years .Not only did they add a dollar after closure in the month of XXXX on a closed account they are reporting me 60 days overdue with {$100.00} in oustanding fee balance
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I made several attempts to rectify items found on my report that were due to identity theft and/or inaccuracies. I sent a copy of police report as well as a copy of the errors. 
There are inquiries I did not approve, accounts that are not mine and personal information that is not accurate such as addresses and/or employer. 
I explained it is pertinent that they rectify these issues due to the negative effect it is causing my credit worthiness with obtaining government contract for much needed services.
Consumer complaint received 2021-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. Auto Sales Inc. (GA)

I did not apply for anything with US auto sales, I was never in the market for a car and Im still not in the market for a car, so why am I seeing inquiries from auto companies. Please remove and block this information.thank you.
Consumer complaint received 2020-09-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Received a letter date XXXX from Bank of America stating they were working on an application for the Bank of America Rewards Visa Signature card and needed to verify information. They gave a contact phone number as well as contact information for XXXX. I contacted XXXX  and requested they put a fraud alert on my account my bank debit card had been compromised in XXXX. I was issued a new card and the fraudulent charges to my bank account were reversed. 

Please note I am reporting this as possible attempt to steal my identity based on the debit card incident. I have never banked with Bank of America nor have I ever requested any type of charge card from that institution. I will be making a police report on XXXX as well and filing that with XXXX.
Consumer complaint received 2021-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

It has been more than 60 days with no response from the bureaus. The law is being disregarded by all three bureaus by not responding in the appointed time, hopefully this will be the last time that the bureaus are allowed to disregard the law. Please remove all accounts listed as stated by law.
Consumer complaint received 2019-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.