davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The Heroes Act Section XXXX protects consumers like me by preventing adverse information being added to consumer credit reports and prohibiting credit score furnishers from creating and/or implementing new credit scoring models that would lower existing consumer credit scores during the XXXX pandemic, meaning if they are reporting late payments during the pandemic, my scores would drop. I wrote TransUnion to make them aware of this and to have all negative remarks removed from the following accounts, XXXX  XXXXXXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, and XXXX  XXXX XXXX Account Number : XXXX however they refuse to remove the late payments that are incorrectly reporting on my credit report and damaging my scores. What is the point in the XXXX implementing a law such as this when no one actually follows this? At this point, I DO NOT give my permission, under " Permissible purposes of consumer reports '' [ 15 U.S.C. 1681b ] to TransUnion to report any negative remarks on those accounts under my credit file with them.
Consumer complaint received 2023-03-07
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)

In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights 15 U.S.C 1681 section 602A. 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 an account without my written instructions.

15 U.S.C 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 Please view attachment below
Consumer complaint received 2023-03-07
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. (NY)

Please view attachment below Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports. The LAW CLEARLY STATES : ( A ) In general Subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you permission to furnish this account on my credit report? 
Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumer credit report clearly states ( A ) EXCLUSIONS- Except as provided in a paragraph ( 3 ), the term consumer report does not include - ( A ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

After reviewing my credit report i found out that i have a big dept from a student loan under my name which as given in XX/XX/2019 for a total amount of {$30000.00}. 

I am requesting for this information to be removed from my credit report as soon as possible because it is affecting me. I have never recieved a student loan. This is a result of identity theft and i need this to be taken of my credit. 

Please block and delete any information on my credit report, persuant to section 605B of the fair credit report act, and send the requiered notifications to all furnishers of this information.
Consumer complaint received 2023-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AK)

XXXX offered loan modification for Cares Act/COVID-19 Forbearance at the time I applied. At the end of the forbearance, I resumed monthly mortgage payments, per BoAs direction, while the modification agreement was prepared. The deferred mortgage payments totaled approcimtely $ XXXX. When I received the modification, I mailed in the signed forms, with USPS tracking. XXXX claimed to have lost the modification forms. I provided delivery receipts for the signed modifications. XXXX directed I continue mortgage payments while new modifications were being processed. I continued to make all monthly mortgage payments. BoA then sent me a XXXX XXXX  XXXX. After some discussion with BoA, I signed and mailed in the second mod. Again, XXXX claimed they did not receive the forms. 

XXXX then transferred the mortgage to a secondary lender, Carringtons Mortgage Services. I contacted CMS, provided CMS the history of the attempted modification agreements with BoA, and my history on continuous mortgage payments following end of the covid-19 forbearance period. CMS accepted one monthly mortgage payment and confirmed they would research my history with the BoA. CMS then stopped accepting mortgage payments and initiated default on XX/XX/2023. The default lists fees, interest, and expense in excess of $ XXXX.
Consumer complaint received 2023-01-31
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Tesla, Inc. (CA)

This complaint for TESLA account number : XXXX XXXX XXXX XXXX XXXX, CA XXXX Operations XXXX : XXXX XXXX XXXX XXXX. ( XXXX ) XXXX XXXX buy back my car after big fight and failure in the car, I also file complain about them with consumer protection bureau and cfbp in the past, I surrender the car on XX/XX/XXXX XXXX and its been more than a month, I still didnt get paid and they didnt pay off my loan which is finance by Tesla as well , I am still getting notification to make payment also Im receiving certified mail to my door warning me to make a payment or they take legal action against me, my credit been ruined for late payment. every time I call they giving me the same excuse, they put me financial hardship, I couldnt buy a car right now because they hold my money also they ruined my credit. 
Ive been renting cars and paying from my pocket all this time. 
This is unacceptable and bbb & cfbp need to take action for the neglect and compensate me for this behavior please contact them and find me solution for this matter so they can send me my money and pay off the loan. 

best regard XXXX XXXX
Consumer complaint received 2023-03-04
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX account : # XXXX has violated my rights. Under 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-07-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: APPLE FINANCIAL HOLDINGS, INC. (NY)

Our 2 year CD expired XX/XX/2020 with branch closed due to corona virus. I called XXXX number and was assured bank default policy was to renew CD for the term of the expiring CD at the then current rate. I assumed the CD was renewed. At my next statement XX/XX/2020 I found out the CD was not renewed and placed in a regular savings account with minimum interest. I went to the branch manager to have the mistake corrected and he would not renew the CD for the rate in effect in XX/XX/2020 and make the interest payment retroactive to that date. He claimed the bank error could not be corrected, he could only open a new CD for the amount now in the account, without crediting for interest that should have posted since a XX/XX/2020 default renewal.
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (UT)

On XX/XX/2016 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2023-03-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX, I sent a certified letter to company requesting that they validate the debt ( {$550.00} ) by sending me a copy of the original contract/agreement bearing my signature acknowledging the I consented to paying a debt to the company. I requested that the company respond to me within 30 days as it is my right under the FCRA and the FDCPA. 

The company has not responded to the request as of XX/XX/XXXX.
Consumer complaint received 2023-03-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (MD)

My accounts were improperly closed and falsely charged overdraft fees, the company closed my account and my account number was XXXX service fees in which Im eligible for refunds. Wells Fargo owes me between {$800.00} and {$2000.00} and they improperly closed my account and I want something to be done
Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (PA)

In XXXX of XXXX  I opened a holding account with the PNC bank. 
To be clear, I have never used this account for any reason ; which means I have never written a check ; use a credit or debit card nor an ACH. I have never used this account for any transaction from since I made the initial deposit. 
I found out that the accounts were in fraudulent distress when I went to the bank to inquire about moving my money to a high yield saving account. I was told that there was an ACH withdrawal on the account to which I immediately told XXXX XXXX XXXX, the account XXXX, to file a fraud investigation into that transaction. She then told me that there were more transactions on both my saving and checking accounts. 
About a week on into the investigation an officer of the PNC bank in University XXXX in XXXX PA called me asking if I authorized a check payment. I quickly said no and asked the office of the bank to get the name and other information of the persons. He said that he would call me back but did not. 
Called and returned in person to the bank several times after but the dilemma becomes worst. The bank essentially told me that I was on my own and that I would conduct my own investigation. They told me that I have XXXX hours to file a complaint against an ACH if I need help from the bank. I refiled the claim this, a third time since and this is the stage at which I am in the process right now. 
I hope that some assistance can be had to resolve this issue. 
To resolve the problem, I would appreciate your kind assistance in reinstating all my money and interest taken from account. Enclosed are copies of my records I look forward to your reply and a resolution to my problem and will wait until within the next week before seeking help from a consumer protection agency or the XXXX XXXX XXXX Please contact me at the above address or by phone at. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-03-02
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. (AZ)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-04
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: National Credit Adjusters, LLC (TN)

On XX/XX/2023 I contacted national credit adjusters concerning a debt collection they put on my credit report, I called him spoke with somebody with the denial and dispute. Told him I needed to be verified the debt because I had no knowledge of it. They did not have a correct address or a correct phone number. Then I called again on XX/XX/XXXX. Talked with somebody again about another deny and dispute 30 days after the first one still no verified of debt mailed to me so I could find out what his problem is and it is XX/XX/XXXX and I still have not received anything in the mail or any phone calls about this problem.
Consumer complaint received 2023-03-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada) (TX)

XXXX XXXX approved financial services on a term of 36 months for work needed to be done on my teeth. Account was set up on auto pay for 36 months. At the end of the 36 month term of payments made the account was deemed paid in full. Which was never reported on my credit report. 

6 months after the account was paid in full. XXXX XXXX is alleging that they didn't get paid for some of the services performed from insurance. Is now saying I owe additional monies because of their bad accounting. I was never informed during the 36 month payment process that additional monies were owed. Until it showed up on my credit report as a collections account.
Consumer complaint received 2023-03-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-03-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-03-08
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)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many accounts to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Consumer complaint received 2023-03-08
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. (TX)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-08
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-02-01
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. (NC)

I received another dispute letter from Equifax dated XX/XX/2023. It continues to show ( page 5 of 8 ) that I have a {$59000.00} balance with the XXXX XXXX XXXX. I have contacted XXXX about this issue many, many times in the last 2 months and nothing is resolved. XXXX did not report my balance with them accurately despite what they have reported to cfpb. Please see the attached documents.
Consumer complaint received 2023-01-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

I moved my old apartment back in XX/XX/2022 period I had fulfilled my lease and was on month to month I'd give him my 30 days notice received confirmation from the leasing office that they received it and when I moved I owe no money I received a letter in the mail mid XXXX from a collection agent agency saying that I owed money for a balance that I owed to the apartments that I previously lived at which was XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX then that was the only letter or notice that I had received at all regarding this issue I do not owe the debt and I collected contacted the property management company however they had ceased operations a month after I had moved from the apartments so no one can get a hold of them I contacted the collection agency to tell them that I did not owe the debt I sent them bank statements receipts that I had gotten from the apartments for all my rent the 30 day notice I had turned in I submitted all Communications I had received to and from the apartment 's emails texts and letters and I dispute it with the credit bureau however I've received no help and they have ruined my credit but I do not owe this debt the property management company simply said I owed a debt and immediately sold it to a creditor which didn't contact me and immediately then place it on my credit report I have filed with the XXXX  and Attorney General 's office but still have received no solutions to this problem I do not owe this money I can prove I do not owe this money please help
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (IL)

Approved for XXXX XXXX on XX/XX/2022, BUT NEVER RECEIVED FULL AMOUNT OF refund OVERPAYMENT. XXXX XXXX has closed and every agency keeps referring me back to them.