davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

XXXX is reporting an account on my credit. report that i do not recognize ... I ve sent 4 letters to all of. the bureau to verify/validate this account, XXXX was not able to verify/validate this debt and deleted it from my credit report ... .How have XXXX and experian been. able to verify/validate this account if XXXX could not? they. have yet to send me a signed copy of this so called contract ... .Arent experian and XXXX  supposed to follow suite as this can not be verified/validated? i need this deleted immediately or i will be contacting the state attorney as well as a cfpb attorney
Consumer complaint received 2019-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MI)

I attempted to place a security freeze with all major credit bureaus. This was due to a vehicle theft and potential loss of sensitive information. 

I was able to successfully freeze my credit with XXXX and XXXX. Equifax on the other hand is telling me they either were unable to verify my information, or their system is down. I am not even able to call and speak with them as their system blocks me from speaking to anyone. 

I can understand trying to protect data. I am not requesting any information though. I am requesting they freeze my report.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed 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 accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$460.00}
Consumer complaint received 2021-04-09
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)

On ( date provided in letter ) I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2022-07-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CO)

Newrez/shellpoint raised my payment by about {$400.00}, or about 14 %. They've done this even though my homeowners insurance is the same for the last 2 years. They do this even though my real estate taxes went down by about {$600.00} per year. ( This was due to the approval of my XXXX XXXX XXXX veterans status by my colorado tax assessor ) I began the complaint process with them in XXXX. They take 6 weeks to respond and say their calculation is correct. They point their finger at me and tell me it's my responsibility to provide them with insurance and tax bills. Even though I've done this a dozen times, showing that my payment should have been lowered, they do nothing. 
They send secure messages but when I try to open them, I get expired link errors. 
It just appears that they've been operating with impunity. I world change mortgage servers but the interest rate rise keeps me from doing that. 
Please help. At the very least they should be sanctioned for their actions. Doing this to a XXXX veteran on a fixed income is very scary. With all the increases found today, an incorrect raising of my home payment is scary to me, a person on a fixed income. 
Thank you for your.
Consumer complaint received 2021-12-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

I am submitting due to non-compliance with XXXX, XXXX, Experian. They have failed to remove fraudulent information that is still reporting on my consumer reports. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Consumer complaint received 2021-12-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

I am submitting due to non-compliance with XXXX, Equifax, XXXX. They have failed to remove fraudulent information that is still reporting on my consumer reports. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Consumer complaint received 2018-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION (DE)

On XX/XX/XXXX, I changed my internet service provider to XXXX. Since then I have not be able to access my account online at M & T bank with who I have banked for nearly 20 years. I only use one computer that is hard wired to the router to access my account for security reasons and it stopped working after I changed to XXXX. Earlier in the day on XX/XX/XXXX, when I was with my previous internet service provider XXXX, I was able to access my account. 


When the account login in failed, the website tells me to call the online service center which I called on XX/XX/XXXX and spoke to XXXX with id XXXX. He told me that some fraud alert was triggered and I have to just wait and try again but could not tell me how long to wait for security reasons. I asked if there is a set of steps I could follow that would unlock the account and he said there was none. Only way was to wait and try again. I spoke to manager XXXX XXXX XXXX who also confirmed the same. 


I waited a week and on XX/XX/XXXX I tried to log in again and it failed. I went to the local branch and spoke to XXXX XXXX who called the online banking center and they confimed the problem to be systemic with no resolution. Multiple customers who changed internet service providers have the same issue with no solution.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I checked my credit file recently only to notice that the current address on my file is incorrect. Called up XXXX & XXXX to update it and they did so without any hassle, tried transunion too but theyre giving me a headache, already mailed documents several times but they denied receiving any of them XXXX
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK (AR)

I applied for personal loan to consolidate some credit cards into one payment, freedom debt relief contacted me at the end of XXXX beginning XXXX. Stated they would give me a loan, after denying multiple times when asked if they were a debt consolidation, all I would have to do is change my billing address so freedom financial would get my statements, I would have automatic drafts come out of my account to them and they would pay my credit cards. Wasnt until I received an email from a credit card company stating I was delinquent that I called the company they stated then they have the credit card companies settle before they make payments.. destroyed my credit score and after that freedom financial offered me a ridiculously high interest rate loan to pay off the even higher accounts since my credit was so low I couldnt get a loan from anyone else. They never explained that I paid fees that I could claim so I didnt have to pay the full amount of taxes when I received 1099Cs so I ended up on top of everything paying {$3000.00} in taxes also
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (PA)

I requested a freeze on my Innovis report, and was denied and asked for more information. Innovis violated my consumer rights first by reporting my personal information without my written permission, which is a FCRA violation, then when asked not to report my information they didn't comply. Unless you have a contract between you and myself given you permissible purpose to furnish my personal information, then freeze my account.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TN)

I consumer ( XXXX XXXX ) reached out to all credit bureaus requesting that this Bankruptcy to be removed from my credit report which is in violation like the mentioned below 15 USC 1681 ( A ) ( $ ) Infringed upon a consumer right 's to privacy 15 USC 1681 ( b ) ( A ) ( 2 ) No permissible purpose/ No written instruction I have included documentation to prove that this was not and should not be on my credit report. All information on a consumer is to be verifiable and accurate. I have tried to resolve this matter but no update to my credit report.
Consumer complaint received 2022-04-25
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (AZ)

This was not sent in error XXXX XXXX XXXX  consumer by law at XXXX XXXX XXXX XXXX XXXX  misused at XXXX  I have some false at not 100 % accurate XXXX XXXX XXXX Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
Consumer complaint received 2022-04-25
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. (MI)

In accordance to with the Fair Credit Reporting Act, the follow companies have violated my rights : XXXX XXXX XXXX Account Account # XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX XXXX  XXXX Account # XXXX, XXXX 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 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST NATIONAL BANK OF OMAHA (FL)

In XX/XX/year>- XX/XX/year> my payment for FNBO was delinquent 5 days past the due date. I was in the middle of moving my mother and it must have slipped my mind. The balance was {$17.00} its not like I couldnt pay it, I just thought I had done so. I have had them as a credit card provider for over 10 years I have never been delinquent. When I called, FNBO ensured me since it was not 30 days late, just 5, it would not be reported on my credit report. It was paid immediately. It wasnt until I saw my credit score that I noticed it was reported but its false because it was not over 30 days late. Please contact me with any further questions
Consumer complaint received 2023-07-03
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Source Receivables Management LLC (CT)

Several different collection agencies have been placed on my account by XXXX  since XXXX  in order to destroy my credit score. The only mobile phone I've ever had was a XXXX phone since I could have one. The false collections on my credit report from XXXX have dropped my score from XXXX to XXXX, and I have no idea what to do. As a new teacher, I want to buy a home and a car, but I can't even do that since the false collections on my credit report from XXXX have dropped my score. My credit score has been destroyed by XXXX  sending agencies to harass me. I need help to continue my life in peace.
Consumer complaint received 2022-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

My wife and I bought a home in XXXX. In XXXX, our mortgage was sold to another mortgage company. They informed us that we did not have enough money in our escrow to cover a one-time payment of our county taxes the following year, so we were told we had the option of upping our monthly bill or seeding the account with more money to cover the difference. In XX/XX/XXXX when our county tax bill came due, the mortgage company submitted a semiannual payment instead of an annual payment. Because of this, we stood to lose a small discount on our county tax bill. More at issue was that the mortgage company 's words from XXXX and their actions in XXXX did not match, which was frustrating. We contacted their customer service desk XXXX and were given the run-around with no clear resolution. We sent their accounting department an e-mail stating that we would submit a complaint to the CFPB if they did not pay the rest of the bill -- we have not received a response yet.
Consumer complaint received 2021-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (CA)

I stopped paying my Aspire credit card due to the loss of wages resulting from the pandemic. I was starting to somewhat recover and decided to contact the credit card company and they agreed that they would lower my minimum due ( Orig. $ XXXX, after pandemic $ 235+ ) I was shocked that they were expecting me to pay that much considering the circumstances. I called and spoke with a gentleman who assured me that my minimum would go back to normal in 24 hours. I checked my account and nothing changed. I didn't think anything since I was told to be patient. I starting making payments - what I was able to which was $ XXXX. sometimes more. My minimum payment due keeps increasing and the fees keep piling up. Instead o my account balance going down, it keeps getting higher. The credit card company will not help. I've called several times and they keep hanging up on me.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-04-16
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: Experian Information Solutions Inc. (NC)

These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I am having problems with this unfair treatment. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2022-07-25
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. (TX)

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be XXXX XXXX accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report XXXX XXXX accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under XXXX XXXXXXXX, Account Number : XXXX is also out of the statute of limitations of XXXX years. 

-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 XXXX 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 2021-03-25
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. (CA)

I received a report from XXXX XXXX XXXX stating a checking account was opened in my name on XX/XX/2017 at XXXX XXXX XXXX  XXXX account number XXXX. Someone opened this account in my name, the account was open for one month before being closed by the bank for a fraudulent fund transfers and also listed the account was paid out to an address which is not mine.
Consumer complaint received 2022-06-09
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. (FL)

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as i did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your EARLIEST CONNIVENCE. I actually have security freeze on my accounts. which should have alerted me prior to my credit being ran. I did not receive any alert or notifications that my credit was being ran for these accounts which is very disturbing. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as i am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's identity Theft Affidavit in regard to this incident. Please investigate these matters and remove these inquiries.
Consumer complaint received 2022-04-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

I reach out to Wakefield and Associates multiple times to attempt to get proof of the debt they have reported to my credit report. The company will not respond to emails about this debt. I called the collection agency on XX/XX/2022 to attempt to get proof of the debt. I was told I would get an itemized statement within 2-3 weeks. I called the collection agency again on XX/XX/2022 to request the itemized statement and proof of claim for a debt they are saying that I owe. I recorded this phone call with their representative and I was told at this point they do not provide proof of debt. I was told over the phone the debt is valid and I have to pay it. I waited again and made another phone call on XX/XX/2022 to attempt to get proof of the debt once again. The representative I spoke with at this time told me I have to send an email to XXXX which I sent an email at this time again attempting to verify a debt they say is mine. Today is XX/XX/2022 and I have still not received a itemized statement after requesting well over 30 days ago. The debt is still reported to 3 major credit bureaus. I would like this debt removed as they will not provide me any proof of claim.