davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts XXXX XXXXXX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with balance of {$2300.00} an auto loan an auto loan opened with XXXX open date XX/XX/XXXX account XXXX balance XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2018-12-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Colony Brands, Inc. (PA)

I contacted XXXX XXXX and asked them to correct the inaccuracies that they reporting inaccurately. 

I contacted the credit report agencies and ask them to verify this account. 

I have been continually disputing this account. 

They continue to place new negative payment activity on my credit report for an account that they say was opened and charged of in XX/XX/XXXX and XX/XX/XXXX Please tell them that they can not continue to due this and make them correct all the incorrect information on my credit report or delete this account immediately.
Consumer complaint received 2019-05-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CO)

My company pays a {$150.00} overpayment on my loans directly to Navient. For the last year, I have requested it be directed at my highest interest rate loans. I have been told every time I call, that it is directed that way. Yet every single month it is not. Initially, it was going to my lowest principal/lowest interest loan. I first started calling a year ago. I was able to redirect it at first, but recently I have just been told that it is going to the highest interest rate despite my loan summary/account summary stating otherwise. When asked if they are seeing something different than I am seeing displayed online, there was no explanation and I was told they would send my history in the mail. When I asked again what the discrepancy is, I was just told that they would send it in the mail. I have the authority to direct my overpayment as I choose and Navient continuously is choosing to direct it against my direction in their favor of a lower interest and principal, costing me more money in the long run. I have been exhausted and frustrated from calling every month, so unfortunately numerous months were left incorrect as Navient continues to not correct their errors for future payments. 

Attached are a few examples of my lower interest loans clearly being paid by the overpayments.
Consumer complaint received 2020-05-21
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. (GA)

I settled my account with XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MA XXXX on XX/XX/2020 for the amount of {$150.00}. I then submitted a dispute on XX/XX/2020 with Transunion but was met with results stating that the account was still mine on XX/XX/2020. I do have a receipt of my transaction settling the account and tried to attach it to my dispute but technical errors prevented me from doing so. I've tried to contact Transunion by phone but have been met with a busy line and I can not find an email address to contact any representative.
Consumer complaint received 2022-09-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

This debt collector IC systems representing XXXX XXXX XXXX is saying i owe {$840.00}, on my XXXX credit report. I do not nor did i ever have an account with them, this person XXXX XXXX XXXX  name was on my credit report and she impersonating me and using my name. i have no debt with this company, and XXXX XXXX XXXXXXXX refuses to speak with me or XXXX to get this off my credit report. 
XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX MN XXXX The original creditor is XXXX XXXX XXXX. 
THis amount is not owed by me, i am a victim of fraud. The investigation by XXXX on XX/XX/2022 came back saying the disputed item is accurate and it is not. 
XXXX XXXX XXXXXXXX  on XXXX XXXX placed {$840.00} on my ( XXXX XXXX ) credit report. 
I want it taken off immediately.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

The company XXXXXXXX XXXX XXXX received our loan after it was sold to them by XXXXXXXX XXXX 

We are an absentee owner and XXXXXXXX XXXX  failed to notify us at the correct address of record. Without proper notice they reported a delinquent status on our credit report and that resulted in a massive drop in my credit score. 

Section 12 CFR 1024.32 ( a ) of the RESPA provision states the duty of the servicer and that the borrower must receive notices at their correct addresses.

12 CFR 1024.33 ( b ) ( 1 ) of the RESPA provision states that the mortgage servicer is in a breach of obligation as they must use the borrower 's correct address and confirm it as such.
Consumer complaint received 2019-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2019 I applied for a XXXX XXXX Chase Freedom Credit Card and got approved. Upon receiving my credit card application approval, on another day, I was told that my account was closed ; supposedly because I have a poor credit history which isn't true and I feel I have been discriminated. I have had a credit card history for over 13 years with not a single late payment and always paid my debt. The other problem I have is they have lowered my credit because now on my credit report it shows that I have opened a credit card and it was closed from the credit grantee of which will surely affect me in doing business with other banks. This type of bad business practice should be stopped. They need to do the work before approving then deciding to have the account recorded to close while card is on its way.
Consumer complaint received 2022-08-20
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. (FL)

Several disputed items remain on my credit report as of today XXXX XXXX. 
XXXX. XXXX XXXX XXXX shows a past due amount of {$180.00} and a balance of {$630.00} for XXXX and XXXX respectively. Attached is the car title dated by the state of Florida for XX/XX/XXXX supporting my claim that there is no past due or balance due on this account for XXXX and XXXX. Especially considering that the time to pay off the loan and receive the title from the state is at minimum 30 days. 
2. There are four duplicated Department of Education accounts dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All XXXX loans were forgiven. Attached please see the documentation from XXXX that states that the loans are forgiven and as such should not appear on my credit report. This information was provided before and the loans were removed, however, they have now reappeared. 
3. In XXXX there are 9 hard pulls on my credit from 3 mortgage companies. Five from XXXX XXXX XXXX XXXX Two from XXXX Mortgage and two from XXXX. Due to the current market, trying to buy a home is a long process requiring my prospective mortgage companies to update my file over several months. Any adverse effect on my credit should be removed. 
4. XXXX XXXX XXXX card shows that it was opened in XX/XX/XXXX however that is inaccurate. The card was opened in XXXX and first used on XXXX. It is now over 7 years old and should be removed from my credit report.
Consumer complaint received 2019-09-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (CA)

On XX/XX/2019 the supposed lawfirm XXXX XXXX XXXX sent a letter claiming I owe a debt in the amount of {$4300.00}. They claim that Discover Bank has retained the firm to collect its claim against me. 
I do not know XXXX & XXXX. And they have failed to verify that they are authorized to collect a debt from me. 
On XX/XX/2019 I sent XXXX & XXXX asking them to verify the debt. 
I asked them to provide licensing and permitting information that proves you are legally allowed to collect a debt from me. 
I stated that if they are unable to verify the debt they agree that XXXX XXXX XXXX, XXXX is a victim of identity theft. 
I asked them for an authentic signed contract between them and XXXX XXXX XXXX XXXX showing proof that they and that are now or were at one time in business together and other supporting documentation that gave rise to the alleged obligation DISCOVER is claiming owed. 
I asked for a statement admitting whether they are the holder in due course or whether they are a servicer. 
I asked if the loan has be securitized and they CUSIP number for which it was securitized. 
I asked them to make available for visual inspection my original wet ink promissory note. 
I asked them to provide copies of current licenses and permits that allow them to collect this debt for a third party as a licensed debt collector in CALIFORNIA, informing them that fines and felonies are the penalties if they are not licensed properly should I not be the true party of interest in this debt collection bill copied and enclosed. 
I gave them 30 days to respond and they failed to do so. Instead, on XX/XX/2019 XXXX XXXX XXXX committed fraud by advancing a writing without providing procedurally proper validation of the alleged debt. They sent payment copies and copies of billing statements which is not validation.
Consumer complaint received 2022-07-18
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 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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
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: EQUIFAX, INC. (NC)

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 accounts 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 UPDATE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX Balance Owed : {$0.00} Date OpenedXXXX
Consumer complaint received 2019-05-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (NJ)

Dear CFPB Officer I am reaching out to you after one year of hardship and harassment my family has been going through after starting a XXXX-FHA HUD whole home renovation loan. My family includes XXXX small children and my wife. We have been living in the corner of our basement since last year ( XX/XX/XXXX ) as a result of contractor fraud and lender irresponsibility. Everybody including myself in the family got sick several times as we live in the cold and unhealthy living conditions while paying $ XXXX monthly mortgage to the lender. This mortgage includes the money ( $ XXXX ) held by the lender on which I have no control. Two contractors played fraud and got away with the money they wanted. 
Our house is a XXXX built old ranch, we bought in XXXX as our dream home. Hurricane Irene and hurricane Sandy took a toll on us but through hard work and doing multiple jobs we maintained the house to the best of our ability. In XXXX during recession we got some hardship-money from NJ State home finance and we had to pay back fully to XXXX ( NJhousing.gov ) to get the current loan. Even though this was not a cash-out loan XXXX insisted to pay back the full amount so we had to add XXXX to the loan to get the XXXX Renovation loan that made out total mortgage to {$620000.00}. XXXX didn't give us any receipt of receiving that money nor gave us any discharge letter. Now the lender ( Guaranteed Rate Inc ) is holding all the loan amount we received for the renovation and receiving the interest rate for the money I never used and we are paying mortgage for a house we do not live in. The project was supposed to be completed by XXXX of last year but didn't happen due to contractor fraud. The lender holds the money and releases money only to the contractor. We already paid {$46000.00} as mortgage since last XX/XX/XXXX for the money lender is holding. Until today we have no house to live in, we still live in the cold basement. 
Please do the needful to give us justice. 
Yours Sincerely XXXX XXXX
Consumer complaint received 2020-05-17
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. (IN)

I've reported the fact that my identity has been compromised, stolen and misused and maybe sold on the black market. However, even with all the credit reporting data breachs my information has been compromised. I've also requested for a Method of Verification in this process / investigation. The name and title of the person ( s ) investigating this. The time and date of the investigation. Also the means used in the investigation. I'm demanding that these unauthorized accounts be removed and blocked from my credit files. 

1 ) XXXX XXXX XXXX {$1700.00} 2 ) XXXX XXXX XXXX {$560.00} 3 ) XXXX XXXX XXXX {$800.00} 4 ) XXXX XXXX XXXX  5 ) XXXX XXXX 6 ) XXXX XXXX XXXX XXXX XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXX XXXX 10 ) XXXX XXXX XXXX
Consumer complaint received 2023-03-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Car loan was closed and charged off in XXXX XXXX Transunion reported it as being closed in XXXX of XXXX and additional months prior. I disputed that information and within a week they opened the account up, declared it active and reported a missed payment for the month of XX/XX/XXXX. Again I disputed their incorrect information and recently they closed the account as of XX/XX/XXXX, still marked a missing payment for XXXX and dropped my credit score 20+ points. XXXX has now reported the same information, stating my car loan was closed in XXXX of XXXX, although their report XXXX weeks ago would show the correct information, which I have screenshot all information for both TransUnion and XXXX.
Consumer complaint received 2019-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (CA)

I setup my LEASE PAYMENT account online with Chrystal Capital Financial since day one as AUTO-PAYMENT, & their setup clearly says PLAN END DATE : UNTIL CANCELLATION no other options, it is only one default option & I never canceled my auto payment either. 
But what happened is, Chrysler Financial stopped withdrawing my auto payment on their own on XX/XX/2019 & put it on my Delinquent credit as overdue late payment of {$99.00} on XX/XX/2019. 
So tried to reach them directly twice XX/XX/2019 & XX/XX/2019 so they fix their mistake & once thru the 3 credit bureau all on XX/XX/2019 but Chrysler Capital are not cooperating & always reply back with only 1 answer copied from their letter : We have investigated your dispute & verified the information provided to the National Credit Reporting Agencies is accurate. It is our policy to report all consumer accounts to the credit reporting agencies in a consistent & accurate manner, considering they dont accept phone calls or emails it is only mail to get in touch with them. 
Their report would be correct only if I setup my account for end date which not an option for me AS SHOWING ATTACHED, or I canceled it which I didnt do either, but I did my step until cancellation which should be end of my lease term ( 36 month ). But they did terminated my auto payment without notifying me so I pay on time, also they said the auto pay is only 24 month but my lease is 36 month & their website doesnt show any warning or notification clearing it is only 24 month auto payment Attached is a screen capture for Chrysler Capital website demonstrating the steps setting the auto payment proofing no warning of the 24 month ending but stating UNTIL CANCELLATION so it is not my fault & I didnt overdue my payment, but they didnt withdraw the payment & terminated my auto payment on their own. If they didnt stop my auto payment without warning or notifying me it would be posted on time.
Consumer complaint received 2024-11-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

I called the fraud department on XXXX, XX/XX/XXXX at XXXX due to my Citibank ATM being blocked when trying to pay for a service and my account had enough funds to cover the transaction. I also noticed that my online app was not letting me access the account, it stated 'we are having technical difficulties, please check back later ''. The representative informed me there was a hold on the account due to some suspicious activity and they will review my account within XXXX, not providing me with any options to lift the hold. On Wednesday, XX/XX/XXXX I noticed the hold was still in place so I went to the branch in person, I was told the same thing, account is locked due to suspicious activities, and fraud department had to verify my identity by calling their department. The taller called and explained I was there with XXXX pieces of ID, fraud department declined my request, stating that I did not have a cellphone line under my name that they could verify me with. I asked to speak to branch manager. Branch manager recognized me since I open the account with him a month ago, he calls again, fraud department now tells him that only way to lift the hold is by sending a physical letter to my address with a reference code and once received I have to rely that code over to them. I asked the branch manager why this option wasn't offered to me when I called on Monday, nor to the teller. Bottom line, citibank is holding for no reason my over XXXX usd funds and playing with my time and my financial needs. Today is XXXX day and branches are closed, and post offices are closed as well. They purposely delayed my verification by omitting to provide reasonable options to me over the phone, the teller when in person, or to allow the branch manager to bypass the hold even when he stated to fraud department that he personally opened the account for me and my IDs matched what is in the system.
Consumer complaint received 2023-03-10
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. (NV)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!