davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-06
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. (OH)

In XXXX I ordered a free credit report from Expierian and everything was wrong ... The Name, SS number, past addresses, past employment, all wrong ... My student loan in good standing wrong. My open accounts in good standing mostly missing. There are multiple hard inquiries long expired still there ... They are reporting incorrect information to people who inquire and I have proof they keep giving XXXX XXXX the wrong score ... I can see a score of XXXX on the app but its wrong as it is and should be about XXXX points higher however they gave them a score of XXXX and thats why I was denied ... Their misinformation is affecting me buying a home and getting new lines of credit ... I went through the report and corrected each thing with pen and marker and mailed it back with a written notice that all the information was wrong and to correct it and send me a corrected copy of the report ... They have not corrected anything and its been 6 months almost ... They have made it so I cant dispute through the app and I cant get through when I call in ... Its not fair, they can see from the other 2 agencies theyre wrong ... They should have to remove all inquiries that took place this year since theyre based on a dispute they never handled and a score thats not correct since they have not updated my file and removed anything they should have removed when it was supposed to fall off ... Theyre ruining my life ...
Consumer complaint received 2022-09-21
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. (NC)

I sent a letter on XX/XX/XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-09-21
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-10-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IN)

Hello- I was given this contact to hopefully provide assistance. 

Timeline of events : I bought a home in XX/XX/XXXX and used XXXX XXXX   XXXX. They sold my mortgage to NewRez/Shellpoint. My Credit score was XXXX My 1st payment with NewRez/Shellpoint was XX/XX/XXXX I pay all my bills through XXXXXXXX XXXX XXXX XXXX XXXX  Bill Pay New Rez stated they didnt get my XXXX payment, my 1st payment through my banks autopay I supplied proof of my ACH autopayment to New Rez. My banks fraud department also reached out to New Rez In XXXX, my XXXX payment was found by New Rez/Shellpoint and applied. 
My Credit report show 30 days late payment for XXXX New Rez received my XXXX payment by ACH autopay and it was applied New Rez states they did not receive XXXX ACH autopayment I supplied them with proof of ACH auto payment from my bank New Rez did not correct my account They received my XXXX payment auto payment and applied it to my XXXX payment. 
My credit report now shows 30 days late for XXXX, 30 days late for XXXX, and 60+ days late for XXXX I provide proof of all my on time payments to New Rez for XXXX, XXXX, XXXX, and XXXX I check my credit score in XXXX and its dropped to XXXX I make dozens of calls to new rez that have no results I am asked to send in more documentation of payments and find out the email I was told to use does not support attachments Actions I have taken : I have made numerous calls to NewRez/Shellpoint I have made dozens of emails to New Rez/Shellpoint I have provided my banks ACH transactions showing on time payments I have contacted the Cooperate Compliance attorney for XXXX XXXX who sold my loan to NewRez/Shelpoint On XX/XX/XXXX I have contacted the Indiana Attorney General and filed a complaint On XX/XX/XXXX I filed a complaint with the Indiana division of consumer finance On XX/XX/XXXX I filed a complaint with Federal Division of consumer finance On XX/XX/XXXX I contacted Indiana state senator with concerns of ethical practices of mortgage lender On XX/XX/XXXX I contacted Indiana congressional representative regarding concerns of ethical practices of mortgage lender On XXXX have filed disputes with XXXX  and XXXX  On XX/XX/XXXX I completed brief internet search and found 100s-1000s of complaints to XXXX XXXX XXXX  in various states with complaints exactly like mine regarding NewRez/Shellpoint My name is XXXX XXXX My contact is XXXX XXXX XXXX
Consumer complaint received 2022-09-21
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. (NY)

According to XXXX XXXX XXXX B It states that : a creditor may not treat a payment on a credit card account under an open end consumer credit plan As late for any purpose. 

Also I was not notified 21 days before the due date. Law XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. ( Account opened XXXX ) Late payments on XX/XX/XXXX- XX/XX/XXXX - XX/XX/XXXX- XX/XX/XXXX - XX/XX/XXXX. 5 Late payments.
Consumer complaint received 2020-10-06
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. (OH)

I was looking over my credit report and I noticed that a 30 days late payments that were supposed to be removed XXXX XXXX XXXX. The date was XXXX, my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of closing on a mortgage and this late mark is preventing me from moving into my new home. I was under the COVID-19 SHUTDOWN and I believe I can use some help with the removal of the late payments I am currently full current yet the late marks are killing my credit score Icoulduse some accommodation to help protect my credit. The CARES Act calls these agreementsaccommodations. My SS XXXX DOB : XXXX. I had to move do to job loss and never had a bill update.
Consumer complaint received 2021-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (VA)

SOUTHWEST CREDIT SYS reported a debt for {$140.00}, original creditor was XXXX. 
I don't recognize this debt, we have not worked with this company in about 5 years and the debts were paid in full after services were ended 5 years ago. 
I never received any debt verification for this debt.
Consumer complaint received 2020-10-06
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)

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.
Consumer complaint received 2020-10-06
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. (PA)

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.
Consumer complaint received 2020-09-01
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I've contacted Kohls regarding late payments that appear on my credit report, I received these through no fault of my own. To date I have not received not one statement on this account by mail or electronic, every time I was contacted for payment I paid via phone, but now I have 8 thirty day late on my credit reports. I have contacted kohls to no avail on this matter and I don't believe it's fair for me to have to see this on my credit report for 7 years through no fault of my own.
Consumer complaint received 2020-10-06
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. (FL)

THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT XXXX HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.
Consumer complaint received 2020-10-06
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 when to make a purchase at a store and they offer me a 20 % discount if I apply for their credit card, when the report came back it was showing some accounts that were no mine, that as when I learn that my identity was stolen and my name was used to create fraudulent account in my name, this report is the first step to document this incident and hopefully the start of cleaning my name. Also an FTC report was filed containing the detail of these account Thank you.
Consumer complaint received 2022-09-21
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. (MO)

This is XXXX XXXX submitting yet another CFPB Complaint to request that the reported accounts on my Credit File be corrected and updated. The Credit Bureaus ' efficiency and prompt attention to correct some of the adverse information previously stated on my credit file is appreciated. As of the moment I feel there are still items on my file that need to be repaired. For that reason I request that all of the attached inaccurate information listed in my credit file be removed immediately. 

XXXX XXXX XXXX Balance Owed : $ XXXX How many times do I have to tell you that the references for the late payment on this account is erroneous and misleading causing negative impact on my Credit File ? I previously requested for the investigation and correction of this account and yet you have done nothing. Let me remind you that you are obliged to investigate and update this account per consumers requests under the FCRA regulation. Once again, I am requesting that you take your time to THOROUGHLY investigate and CORRECT this account to report accurate information on my Credit Report. 

XXXX XXXX Balance Owed : {$0.00} Equifax is reporting a deleted account from the other Credit Bureaus. This account was already deleted and yet you are still reporting this Account! According to the Fair Credit Reporting Act, reporting of accounts and information must be accurate. I need this account deleted as soon as possible.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-09-01
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: KEYCORP (NY)

My name is XXXX XXXX. I have my unemployment benefits thru KeyBank in XXXX. On XXXX XXXX I called my card to receive my balance and was told thru a recorded message that I would have to call customer service after 3 hours no one responds EVER. When I tried to access my account on the mobile app. I was denied access and told to call another number. That does not answer as well. Meanwhile I have much needed benefits I can not access
Consumer complaint received 2020-10-06
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (WV)

My husband and I wanted to refinance our VA loan to get a lower rate. We wanted to take advantage of the streamlined process. We went to XXXX XXXX and several companies called us right away. We chose Amerisave Mortgage Company. They offered the cheapest rate. We filed an online loan application on XX/XX/20. I never got a copy of this loan application until I asked. The loan application has since disappeared. Then they wanted additional information. They wanted us to sign off on a XXXX/XXXX  addendum. When we filed the initial electronic application I had indicated that we were not first time homeowners and it should be titled to veteran and spouse. I noticed on the addendum that they had changed the form to read first time homebuyers and the loan should be titled to Other. This information is not correct. I did ask that they change the form or we weren't signing. We don't know if this done. Either they wanted to steal our home or charge us more money in closing costs. Also the loan officer said he would waive the {$500.00} application fee. They also wanted to charge us {$580.00} for an appraisal that was never done. The company address on the addendum is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX. The loan officer 's name is XXXX XXXX. XXXX. His desk phone is XXXX and fax is XXXX. They do not answer phone calls or emails. Something is not right. Thank you.
Consumer complaint received 2022-09-21
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. (MI)

In accordance with the Fair Credit Reporting act, XXXX XXXX Bank account XXXX XXXX ; XXXX XXXX account # XXXX ; XXXXXXXX XXXX account # XXXX ; XXXX account # XXXX ; XXXX XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX  account # XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX account # XXXX ; XXXX account # XXXX ; XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX has violated my rights 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 an account without my written instructions.
Consumer complaint received 2022-09-21
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. (MO)

This is XXXX XXXX submitting yet another CFPB Complaint to request that the reported accounts on my Credit File be corrected and updated. The Credit Bureaus ' efficiency and prompt attention to correct some of the adverse information previously stated on my credit file is appreciated. As of the moment I feel there are still items on my file that need to be repaired. For that reason I request that all of the attached inaccurate information listed in my credit file be removed immediately. 

XXXX XXXX XXXX Balance Owed : $ XXXX How many times do I have to tell you that the references for the late payment on this account is erroneous and misleading causing negative impact on my Credit File XXXX I previously requested for the investigation and correction of this account and yet you have done nothing. Let me remind you that you are obliged to investigate and update this account per consumers requests under the FCRA regulation. Once again, I am requesting that you take your time to THOROUGHLY investigate and CORRECT this account to report accurate information on my Credit Report. 

XXXX XXXX Balance Owed : {$0.00} XXXX is reporting a deleted account from the other Credit Bureaus. This account was already deleted and yet you are still reporting this Account! According to the Fair Credit Reporting Act, reporting of accounts and information must be accurate. I need this account deleted as soon as possible.
Consumer complaint received 2022-09-21
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. (MI)

In accordance with the Fair Credit Reporting act, XXXX XXXX Bank account XXXX XXXX ; XXXX XXXXXXXX account # XXXX ; XXXXXXXX XXXX account # XXXX ; XXXX  account # XXXX ; XXXX XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX ; XXXX account # XXXX ; XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX has violated my rights 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 an account without my written instructions.
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

accounts showing up that was included in bankruptcy. included in bankruptcy. Accordingly, pursuant to the Fair Credit Reporting Act, please investigate and correct this inaccurate information. i demand this is deleted from my report immediately for violation of FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

In XX/XX/2020, I attempted to request my credit report from Equifax on XXXX and was advised by the system that it wasn't possible. I also attempted on this same day to get my credit scores from XXXX. 
I spent the next few days speaking to countless representatives that would transfer me and the line would disconnected. After several days, I finally reached a representative who took the time to look at my account and advised that there was an error in the system that was causing me to not have the option to obtain my credit report and credit score from XXXX. I was advised that it would take 48 hours to reflect. 
Fast forward to XX/XX/2020 and I decided to try to sign up for XXXX again and was faced with the same dilemma as before. I called XXXX to get more information and was advised that they couldn't assist me and that I'd have to contact Equifax to have them completely remove any blocks or freezes on my credit profile. 
Today, I decided to give Equifax a call and after countless misinformation and transfers I have not found any resolve. I requested to be transferred to a manager and was met with a disconnected line. 
Can you please assist me in ensuring Equifax corrects any errors, any blocks, any freezes on my credit profile that are causing me to not have the luxury of obtaining my credit report ( often times ) and credit score ( all the time )?
Consumer complaint received 2020-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery One, LLC (MO)

I got an email a few months ago from XXXX that this account was added to my report. The company is Recovery One LLC. Not only do I not have any knowledge of this account I was never contracted by mail or phone about owing a debt. I have called, disputed and wrote a letter explaining this is not my debt. Also the date of birth they have in their records for me is not correct.
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Credit Karma (MS)

In between the months of XX/XX/XXXX to XXXX of XXXX, Credit Karma has been sending ( emailing and notifications from their website ) stating that I was pre-approved for five credit cards and two personal loans. I applied for these items and got denied each time. I have been very stressed out because Credit Karma has been sending me a lot of emails and at those times I really really needed the money and I was under duress. This has caused harm to my character and has greatly affected my mode of living. Pulling my credit and applying for these credit card companies has really affected my credit score as it dropped each time I applied.