davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-03
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. (CA)

I have collection accounts on my XXXX credit reports from XXXX XXXX XXXX in which they documented a XXXX late on my credit reports in XX/XX/2021. Only original creditors can report late payments - I have never entered into any agreements with XXXX XXXX systems, therefore they can not report late payments. These late payments caused my score to go down and are negatively impacting my credit. I disputed these accounts with all three CRAs on XX/XX/2021 and all came back as " updated '' with no removal of the late payment documentations. These late payments are fraudulent, erroneous and incorrect information being reported. I request due to these inaccuracies the accounts be permanently removed from all XXXX reports. Accounts are as follows : XXXX, XXXX
Consumer complaint received 2022-03-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (NC)

Hello my name is XXXX XXXX I am a co-signer for a Sallie Mae XXXX XXXX XXXX I paid it in full and they havent sent my statement that its been paid in full and Ive called 23 times already and requested a statement that this loan is paid in full
Consumer complaint received 2021-12-19
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Today is Saturday, XX/XX/2021. 
My current CapitalOne Credit Card Account standings are as follows for account ending in XXXX : Credit limit : {$4500.00} Balanced : - {$6300.00} Past Due : 90 Days Amount Past Due : {$490.00} Credit Used : 139 % These Numbers do not add up. 
139 % of {$4500.00} is {$6200.00}. Yet I owe {$6300.00}, which is more than my allowed ( formerly agreed upon ) limit of credit of what has apparently become 139 % of its original self. 

Furthermore, $ XXXX {$4500.00} = {$4900.00}. 

How do I owe over {$6000.00} with only {$490.00} in accrued past due amount? 

Please help me. 

My account went into collections randomly as well. My card ending in XXXX was immediately allowed its maximum credit limit to be overdrawn to 139 % of its allowance after being filed into collections conveniently timed.
Consumer complaint received 2022-03-17
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. (MD)

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2022-03-29
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: Bread Financial Holdings, Inc. (OK)

Identity theft happened. Numerous credit cards opened. Comenity bank was notified and they are trying to claim its a legit credit card. This company is trying to steal money from me. Iv never had a card with them.
Consumer complaint received 2022-03-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

I had my identity stolen and realized there were fraudulent items on my credit report which caused me to fill out identity theft reports ( local police and FTC ) back in XXXX of XXXX. Then I submitted these reports to all 3 major Credit Reporting Agencies which caused them to remove all the fraudulent accounts. This company came back randomly a few months later and put this account back on my reports under the guise of it being a different account than the one that was removed. I contacted them on XX/XX/XXXX via a letter sent certified mail and got no reply or proof of any business we've ever done.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXXXXXX XXXX Balanced {$310.00} XXXX XXXXXXXX Balanced {$1800.00} XXXX  XXXX XXXX Balanced {$990.00} XXXX XXXX XXXX Balanced {$58000.00}
Consumer complaint received 2022-02-16
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: SYNCHRONY FINANCIAL (FL)

In XXXX of XXXX, I noticed inaccurate information being reported on my XXXX credit report. Synchrony bank was reporting two of my accounts as late multiple times. They are even reporting my payment status as late 90 days when my account was paid and closed in XX/XX/XXXX! I then began sending dispute letters to get the incorrect information taken off. I asked them to please conduct an independent investigation. I submitted a total of 5 letters listed the inaccuracies on my credit report and the 4th time they responded with saying one of my disputes was verified as " account paid, never late '' yet they did not remove the late payments. Instead, they added more back on without notifying me within 5 days as they are required to do. This has hurt my credit score and prevented me from obtaining a home loan. I have also reached out to Synchrony bank via certified mail with no response. I have the documentation to show each time I reached out to XXXX, I tried so many things to get the inaccuracies removed and they have now told me they are no longer going to conduct further investigations on my disputes. Please help me!
Consumer complaint received 2022-03-01
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 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 2022-03-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (RI)

PHH Mortgage is our mortgage provider. Our loan was purchased by the company in XXXX  from our original mortgage provider. Our mortgage is escrowed for our taxes and insurance. We have never missed a payment and have always paid our mortgage in full and on time. 

On XX/XX/2021 I noticed that our escrow disbursement for property taxes did not match the quarterly tax bill sent by the city- it appeared to be underpaid by {$630.00}. I immediately called the company to report my concern. I was reassured that the bills were being paid through our escrow and it was not a concern. Not believing this to be the case, I followed up with an email ( provided ). I was told to mail a copy of my tax bill, which I promptly did, but received no response. I followed up and was informed ( now XX/XX/2021 ) that it was not received and instructed to email the bill instead. After emailing the bill, I did not receive a response until I followed up on XX/XX/2021. 

On XX/XX/2021, I received a notification from the company that the tax team followed up with the city and that they confirmed taxes were not owed until XXXX but failed to answer my initial question. I followed up to reiterate the question and was told that the company handles the escrow and provides a " cushion amount, '' dismissing my question. 

In XXXX we received a notice from the city that we were delinquent on our taxes. We followed up with the city immediately to learn that PHH had not been paying our property taxes. Upon a call to PHH we were told the payments had been paid. At this point we threatened legal action which elevated us to the escalations manager. 

In late XXXX we learned that our property taxes had been dispursed to the incorrect parcel starting in XXXX. From the city 's perspective, we are now significantly delinquent in property taxes, owing over {$9000.00}. 

PHH Mortgage has been working on the case since XXXX. We have been told that they will be refunding our escrow and will be covering the interest due and additional fees from the city. Every week I receive a phone call updating me on the case, with the only update being that there is no update. 

In XXXX, we received a notice from the city stating that if our property will be placed on the market in XXXX if the taxes are not paid. 

We have called PHH Mortgage on a regular basis to speed up the process, but it seems to be going nowhere. 

We are first-time homeowners who feel frustrated, terrified, and unable to pay for a lawyer. When our mortgage was sold to PHH - I read the reviews on the company and considered refinancing. I wish we had.
Consumer complaint received 2021-12-03
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX BANK XXXX of XXXX XX/XX/XXXX ''
Consumer complaint received 2022-02-16
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: Experian Information Solutions Inc. (CA)

In XX/XX/XXXX I filed For bankruptcy. My loan was with XXXX ( a loan I had since XXXX ). The loan was not reaffirmed, but all my payments have always been made on time. The loan stopped reporting to my credit bureau, as it should based on the bankruptcy, but the tradeline still showed. 

In XX/XX/XXXX XXXX took over as the loan service company for XXXX. They started reporting my payments. All payments showed current- because they were. In XX/XX/XXXX XXXX misreported mt payment as 30 days late in error. After many many phone calls, and complaints, their way to correct it was to completely delete the trade line. 

My complaint is this. This was a OPEN trade line. It had an original balance of {$400000.00}. XXXX took this over in XXXX. I did not file BK until XXXX. Although they should not have been reporting by payments, the trade line is still valid. What they should have done is simply correct their reporting. XXXX deleting the tradeline that I paid for many many years adversely effects me trying to purchase another home and refinancing my house. This is a clear violation of the Fair Credit Reporting Act. 

They sent me a letter stating that credit reporting is " terminated '' after a BK. They are not allowed however to DELETE the trade line from prior to the BK. Only stop reporting. They can only no longer report the debt for which I am not liable. It doesn't erase that I EVER had a loan.
Consumer complaint received 2022-02-16
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. (FL)

On XX/XX/2021, I sent the consumer reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and the latter was truth and lending act and finally some misinformation like my name, address, and employer to my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2021-12-03
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. (CA)

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 have a loan with XXXX XXXX XXXX XXXXXXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the EQUIFAX Credit Bureau with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.
Consumer complaint received 2022-02-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

To Whom It May Concern, I have tried to fix this issue with my credit report with XXXX, XXXX and Equifax. To no avail even after I sent in my FTC report and Affidavit, I complained to the XXXX XXXX XXXX Now my only resort is to file a complaint with the Attorney General 's office and the CEO of XXXX, XXXX and Equifax with how their companies continue to break laws and my XXXX rights! I have sent in 609 letters ( multiple ), FTC reports, Affidavits and more 609 letters to have the inaccuracies, fraudulent accounts and inquiries removed/blocked from my credit report. I have added fraud alerts to all 3 bureaus. My name is XXXX XXXX and no other names should be on my report! 

This is my last attempt to have this corrected and I will be suing XXXX, XXXX and Equifax. 

I have requested that you correct the payment history on my XXXX XXXX - Account XXXX ( I never once paid late ) correct this asap! XXXX - account XXXX also needs to be removed from my credit report! That is an unauthorized account! Respect my XXXX FCRA laws, I know and you know that all fraudulent accounts must be blocked within 4 days of receiving this XXXX notice. I am sick of your XXXX and stalling tactics! You actually wrote to me saying that I did not authorize you to correct my report! I, XXXX XXXX, am giving XXXX, XXXX and Equifax authority to correct my got XXXX credit report! I have attached all the documents! I have also attached my social security card, government issued ID, my proof of residence ( my health insurance ), and whatever else is needed!
Consumer complaint received 2022-02-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$1600.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2022-02-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm XXXX XXXX, and I'm filing this complaint on my own behalf with no involvement from a third party. Despite my repeated written requests, the unverified accounts listed below continue to appear on my credit report, in violation of federal law. 

The XXXX and TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i, within the time frame required by law, and continued to report erroneous information, which now appears to be willful negligence and non-compliance with federal statutes, despite my attempts to address it directly with the creditor. 

PLEASE REMOVE THE FOLLOWING FRAUDULENT ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX Balance Owed : { {$2300.00} } - US DEPT ED XXXX Balance Owed : { {$3900.00} } - US DEPT ED XXXX Balance Owed : { {$3800.00} } - US DEPT ED XXXX Balance Owed : { {$4100.00} } - US DEPT ED XXXX Balance Owed : { {$5200.00} } - US DEPT ED XXXX Balance Owed : { XXXX }
Consumer complaint received 2022-02-02
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. (PA)

Hello, my name is XXXX XXXX XXXX, and 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 Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-02-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I'm XXXX XXXX, and I'm filing this complaint on my own behalf with no involvement from a third party. Despite my repeated written requests, the unverified accounts listed below continue to appear on my credit report, in violation of federal law. 

The Experian and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i, within the time frame required by law, and continued to report erroneous information, which now appears to be willful negligence and non-compliance with federal statutes, despite my attempts to address it directly with the creditor. 

PLEASE REMOVE THE FOLLOWING FRAUDULENT ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX Balance Owed : { {$2300.00} } - US DEPT ED XXXX Balance Owed : { {$3900.00} } - US DEPT ED XXXX Balance Owed : { {$3800.00} } - US DEPT ED XXXX Balance Owed : { {$4100.00} } - US DEPT ED XXXX Balance Owed : { {$5200.00} } - US DEPT ED XXXX Balance Owed : { XXXX }
Consumer complaint received 2022-02-06
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. (NY)

ON MY REPORT IT SHOWS XXXX XXXX AND XXXX XXXX/XX/XX/XXXXAND XX/XX/2017 AS LATE PAYMENTS THATS ABSURD FIX THIS ISSUE RIGHT XXXX NOW... I HAD A MEDICAL EMERGENCY OF WHICH I CALLED AND EXPLAINED THAT I HAD BEEN THE VICTIM OF A XXXX CRIME THAT PUT ME IN A MEDICAL HARDSHIP IN HOSPITAL ETC AND REP TOLD ME SHE WOULD FREEZE MY PAYMENTS TO GIVE ME TIME TO HEAL NAD GO BACK TO WORK ETC. AND IN ADDITION I DIDNT EVEN MISS ANY PAYMENTS BECAUSE I WAS ABLE TO SEND SOMENE TO POST OFFICE FROM HOSPITAL AND MAILED THE MONEY ... AND MY PAYMENTS WERE IN FACT MAILED NOT PAID VIA ELECTRONICALLY BECAUSE I DID THEEM THRU XXXX AT MY BANK. THESE SHOULD NOT SHOW LATE IT WAS ONTIME AND NEEDS TO BE FIXED ASAP MY CREDIT IS EXTREMELY IMPORTANT TO ME AND I WORK HARD TO ENSURE THAT MY INFO IS CORRECT AND ONTIME ALL THE TIME. PLEASE REMOVE THESE NEGATIVES AS I AM DILIGIENTLY INVOLVED WIHT MY CREDIT THIS IS ERROR ON YOUR PART AND NOT MINE AND IS RUINNING MY GOALS. MY PAYMENTS HAVE NEVER BEEN LATE AND THIS NEEDS CORRECTED NOW
Consumer complaint received 2022-02-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (DC)

THIS WAS FRAUD I SUBMITTED A REPORT ON THAT CREDIT CARD ALMOST TWO YEARS AGO AND THEY MUST OF SENT IT TO A DEBT COLLECTOR I HAVE HAD SEVERAL NEW NUMBER SINCE THEN AND NOW THEY HAVE THIS DEBT COLLECTORS CALLING MY NEW NUMBER. I WAS A VICTIM OF IDENTIFY THEFT SEVERAL TIMES AND TOLD THEM THIS INFORMATION SEVERAL TIMES. remove this from my credit immediately.