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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Experian failed to conduct a proper investigation and correct the items on my credit report. According to the FCRA if items are not reporting accurately across all three credit bureaus then the items must be removed from the credit report and no longer reported. 

The following errors continue to report for XXXX XXXX : Account # : 2 different account # s are being reported for XXXX  and EX and no account # for XXXX. How is this being reported accurately? 
Account Status : EX still reports account open when XXXX and XXXX report the account derogatory. How is this information accurate? 
Date of Last Activity : EX reports XX/XX/XXXX, XXXX reports XX/XX/XXXX and XXXX  reports XX/XX/XXXX. How is this account reporting accurately with 3 different dates of last activity? 
Date of last payment : EX  and XXXX reports XX/XX/XXXX and XXXX reports XX/XX/XXXX, but according to payment history for EX the last payment reported was in XX/XX/XXXX and the last payment reported for XXXX was in XX/XX/XXXX with positive payment history from XX/XX/XXXX to XXXX.In addition there is no payment history reported for XXXX to reflect last payment or date of last activity. How is it that this account is being reported accurately? 

For Chapter 7 Bankruptcy the following errors reported : XXXX reports U.S. Bankruptcy Court without City and State, EX reports US BKPT CT GA XXXX which should not have abbreviations in the court name, XXXX reports Federal as the court name which is invalid. How is this Chapter XX/XX/XXXXBankruptcy being reported accurately with three different court names that are invalid and inaccurate? 

My personal identification, XX/XX/XXXX dispute letter and XX/XX/XXXX credit report with comments in word document has been provided. This is factual based information that has been pulled from EX, XXXX, and XXXX
Consumer complaint received 2022-07-14
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. (KY)

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, and 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 2021-03-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

On XX/XX/2021, I attempted to transfer approximately {$70000.00} of XXXX XXXX to Coinbase using the address supplied by Coinbase. The funds were removed from my transferring account, but were never deposited into my Coinbase account. Coinbase has no customer support and despite all my numerous attempts to contact them, I only get robotic emails stating that they are looking into the problem. There is no way to get a live person on the phone to address the issue. At this point, it is apparent that they have misappropriated the funds, and I am pursuing whatever recourse I have to collect my funds. PLEASE HELP! Thanks.
Consumer complaint received 2020-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Account charged off. {$3100.00} written off. {$3100.00} past due as of XX/XX/2020. 
( XXXX ) XXXX Public Record XXXX XXXX XXXX XXXX XXXX XXXX Addresses not names or address
Consumer complaint received 2021-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY (IL)

Dear American Express : I am writing with an issue with regard to your Delta credit card offer. I applied for the card yesterday in response to an offer at the Delta ticket purchase stage. With the ticket selected and on hold, I filled in the application for the sole purpose of being able to use the card for the ticket purchase. The offer states Id get a temporary American Express number for use of up to {$1000.00} for Delta tickets. I was approved. 

The only basis for my decision to apply for your card during ticketing was that I promised {$200.00} in statement credit for a purchase within 3 months on my new card. 

After I was approved, a screen appeared requiring me to confirm my cellphone number to proceed but provided no option to do so. There were only xxxs in place of my cellphone, with no ability to replace them with my number. I called Amex and spoke to 3 agents, including a supervisor. I was told thats just a technical glitch ; youll get your card within 3-5 days after mailing. The agent confirmed that Amex had my correct cellphone. They told me that there was no way to provide the temporary card numbers. I therefore did not buy the ticket. To be clear : the inducement to obtain your card was the ability to use it during the ticket transaction, NOT for use weeks later. It was a classic bait-and-switch. 

To add to the problem, today I received an email asking me to confirm my cellphone with several correct digits ( showing again that you indeed have the correct number ) and the others replaced by XXs. Yet again, the link didnt work because it merely took me to an account creation page. I can not create an account because I do not have the card numbers. 

The current situation is that I can not buy Delta tickets. I can not get the promised {$200.00} credit. My credit rating took a hit because of your credit check. And I still can not use the card. 

The agents appeared familiar with this problem. Was it a glitch or a calculated way to trap consumers into obtaining a card and not providing the statement credit? If it happened to me, it happened to countless others who accepted your offer during the ticketing transaction but were then denied the promised benefit. I am copying the Consumer Financial Protection Bureau complaints as well. 

I am copying Delta as well. At best, this is not a way to start off a relationship with a card holder or a frequent flier. At worst, its fraud in the inducement. 

I have screen shots from the aborted transaction showing that there was no way to accomplish the cellphone verification. Your agents verified that they had my correct cellphone number. I would be pleased to provide these documents to you upon request. Note that I used two different browsers and my XXXX with the same result. 


Sincerely, Name
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XXXX and XXXX of 2021, I filed a dispute with this credit reporting agency about the unverified account : XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you
Consumer complaint received 2020-12-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America, is reporting INACCURACIES on a closed/charge off account. I've disputed this account with XXXX XXXX, XXXX and XXXX for months. XXXX XXXX DELETED this inaccurate account. However XXXX and XXXX continue to post this account and respond as VERIFIED. Bank of America is currently reporting activities well after the CLOSED/CHARGE OFF date XX/XX/2017. Which is a VIOLATION of FCRA. 

These are the INACCURACIES reporting : 1. Past due reporting on a CLOSED account. 
2. Credit limit reporting $ xxxx on a CLOSED account. 
3. Posting a balance $ x, xxx 4. XXXX : different account # xxxxxx XXXX : different account # xxxxxxxxxxxxxxxx 5. Reporting inaccurate balance. NO VOD. 
6. I did NOT receive a response to my dispute within 30 days time line, from XXXX or XXXX. Response receive more than 45 days.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I've written your company several times all sent out via mail. I haven't heard any word so I have no choice but to submit my complaint here about my credit report. There are false or misleading representations. There are several accounts were the payment history is not consistent and should be correct. On Experian and XXXX  it reporting different information. The following accounts I have did my due diligence and actually carefully reviewed my report. I feel like you guys are stalling and not properly investigating
Consumer complaint received 2021-03-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CREDIT ACCEPTANCE CORPORATION (TX)

CREDIT ACCEPTANCE CORPOR has placed this on my credit and I have tried to dispute the amount with my loan officer ( XXXX XXXX ). After we sent a request to XXXX  the balance, they state I owe {$9200.00} when the high balance was {$5300.00}. Also, they sold the car in an auction thus collecting income and still saying I owe {$9200.00}. I feel they have improperly charged me, not reporting the accurate amount in hopes of me paying more than I owe which violates the Fair Credit Reporting Act, and possibly the Fair Debt Collection Practices Act.
Consumer complaint received 2021-03-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (WA)

For years I had no idea who had my student loan. I noticed a garnishment of {$520.00} on my paycheck and learned that my loan was with Pioneer Credit Recovery. I reached out to them to set up a payment plan and stop the garnishment. The woman I spoke with wasn't rude however she did talk about 100mph and I felt like she was trying get me committed to some payment plan that I wasn't fully understanding. They spoke to me in circles when I tried to gain some clarity of what she was " offering '' to me. However they were going to take my initial concern of {$520.00} and add a " payment plan '' to it. So by trying to get some resolution to my debt, I was going to incur more loss. 

I was under the impression that due to Covid, we were being offered more favorable options where this was concerned. In all honesty, I felt like I was violated after this call.
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. (IL)

This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. 
I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following account and remove late payment. 
You are reported totally different or missing information on my XXXX XXXX account. 
I attached copies of my annual credit reports of all major bureaus so you can find wrong information.
Consumer complaint received 2021-04-06
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. (TX)

I have three items on my credit report. Which include one XXXX XXXX card with the amount of {$650.00} and another XXXX XXXX card in the amount of {$680.00} both of these are fraud and the third is a account with XXXX XXXX XXXX XXXX {$25000.00}. Which is fraud as well. I filled in the FTC report with all the complete information. I have done a FTC and they keep telling me that the FTC report is fraudulent saying that I did not file it with the police station. You do not need to do a FTC report with a police station.
Consumer complaint received 2022-07-14
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. (TX)

Creditors or collectors are not allowed to report inaccurate information to your credit reports, and under the Fair Credit Reporting Act, you have a right to have it removed. To do so, you can start a dispute with each one of the credit bureaus, XXXX, XXXX, and TransUnion. After briefly going over my consumer report I found that the listed is reporting inaccurate information to the credit bureaus which is severely impacting my credit score. The furnisher also called multiple times and harassed me even after letting the services know I am XXXX and need assistance and a payment plan I was told no and there was nothing they could do. From the store, the clerk told me XXXX amount, and then after reviewing the paperwork the company is charging almost XXXX x times the amount I was told. Under these false pretenses, I am upset with the way this was handled. Under the law, the creditor can not or shouldn't do the following ..Calls before XXXX XXXX XXXX XXXX XXXX XXXX. unless the collector knows such times are more convenient for the debtor " Unfair or unconscionable means to collect or attempt to collect a debt '' .Any conduct to harass, oppress, or abuse.
Consumer complaint received 2020-12-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (WA)

XXXX XXXX, my father, before he died struggled financially ... he obtained a bad loan modification of which I inherited with PHH. 

PHH denied my application because I've kept the account current The rate is 4.75 which is too high..most of my monthly payment goes toward interest
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2020-12-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I currently submitted a copy of all 3 credit bureaus side by side so that the credit bureaus can see the inaccurate late payments that are reported on each of my credit reports. The bureaus are suppose to report accurate information and should coincide with each other. My mortgage company XXXXXX/XX/XXXXis reporting 2 different late payment statuses. The are reporting inaccurate comments on each credit report. Experian is reporting my mortgage has a student loan in the comments. I have sent letters in the past disputing the inaccurate late payment and they reply back that it is verified. How is inaccurate information being verified? I attached my credit report with all 3 credit bureaus side by side so that you can see the inaccurate information.
Consumer complaint received 2022-09-18
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CarMax, Inc. (GA)

Company have called and sent letters regarding vehicle after I have told them not to contact me anymore. Havent sold vehicle as of XX/XX/2022 but put a charge off on my credit for {$14000.00}.
Consumer complaint received 2021-10-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Shellpoint Partners, LLC (GA)

XXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Mortgage ISSUE Problem with a credit reporting company 's investigation into an existing problem We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT My loan was transferred over Ive been a dispute with them shellpoint Mortgage loan number XXXX the month for XX/XX/XXXX My previous mortgage company XXXX Reported I did not pay XX/XX/XXXX I have sent documentation over to them several times now it is reporting on my credit report That I havent made a payment since XXXX XXXX and XXXX and XXXX this incorrect reporting it has dropped my score 127 point I am send documentation of payment history I was getting ready to purchase a home loan ATTACHMENTS XXXX ( 1.4 MB ) I have never respond to this complaint New complaint XX/XX/XXXX Shellpoint reported on my credit report that I was late reference back to complaint XXXX XXXX drop my points 127 in the process of me purchasing a home due Shellpoint I lost money {$40000.00} I was purchasing house on XX/XX/XXXX I was not able to purchase because my score had Dropped Also Shellpoint attempt to fix my credit over 3 time ask of today XX/XX/XXXX they have not fixed it what they did do is remove them self from my credit report of 30 years of history Show that I never had a lone and pay the property at XXXX XXXX XXXX XXXX XXXX TN XXXX off. Shellpoit Shellpoit bought this paper from XXXX That went into bankruptcy XXXX sent me a letter stating. That this loan should never have came over to them I am requesting {$40000.00} for the property that was lose due Shellpoint Repo incorrect on my report results and dropping my score. Then they removed his self all together for my report refused to give me the credit due to me for the years I have paid the mortgage never respond to any of my requests I am requesting that they replace Shellpoint back on my credit report show paid in full Of 30 years Paid as agreed And to be reimbursed {$40000.00} contract attached XXXX XXXX