davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-11
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. (NC)

After reviewing my credit report I noticed a collection item is still listed on my report although the collection company previously stated in a previous investigation with CFPB that the original creditor asked them to place the account on holding pending a financial review of the account. 
1 ) the collection company XXXX XXXX continues to report the debt as outstanding and continues to report to the bureau as late and outstanding
Consumer complaint received 2024-09-13
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. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2020-09-11
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. (AZ)

I have tried several times to explain to Experian that the reports that have been placed on my credit report is incorrect, many of the accounts closed and a few with wrong information that is causing significant issues with my credit that I have been working so hard to fix. I am making payments to these companies and experian continues to report and allow false information on my credit report that other companys have fixed on their end.
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I am in the process of obtaining approval for an XXXX loan, so after obtaining my credit report, I saw some negative accounts that needed to be address. So, on XX/XX/XXXX I sent a series of dispute letters to the credit reporting agencies. As far as I understand, according to section 611 of the FCRA, the bureaus area required to respond within 30 days as long as there has not been additional documents that I have been provided. Which I didn't. I have yet to receive anything from the credit reporting agencies.
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-09-11
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. (LA)

They are reporting a 90 day late payment for XX/XX/2020 when I paid on time in XX/XX/2020. How can I pay on time in XX/XX/2020, and then become 90 days late for XX/XX/2020? From my understanding, I would have to have been 3 months late to receive a 90 day late on my credit report.
Consumer complaint received 2020-09-11
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. (AL)

THESE ACCOUNTS ARE FRAUDULENT AND DO NOT BELONG TO ME. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. THESE ACCOUNTS NOR INQUIRIES DO NOT BELONG TO ME.
Consumer complaint received 2020-09-11
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: WAKEFIELD & ASSOCIATES, INC. (AL)

THESE ACCOUNTS ARE FRAUDULENT AND DO NOT BELONG TO ME. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. THESE ACCOUNTS NOR INQUIRIES DO NOT BELONG TO ME.
Consumer complaint received 2020-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Bank of America Im filing yet another complaint on you due to the fact that you failed to conduct a proper investigation I sent in dispute to your company about violations and erroneous information you responded to via the FCPB that you were mailing your response to me. Its been way over 30 days and I havent received anything from your company. I sent you another Corresponding asking you to upload your findings in your investigations information the other CFPB website I attached my Social Security card my US government ID along with my Minnesota drivers license you fail to do that as well at this point its over 30 days in you have to fail to conduct a proper investigation there for your trade lines must be removed from all credit reporting.
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Outsource Group, Inc (NC)

After reviewing my credit report I noticed a collection item is still listed on my report although the collection company previously stated in a previous investigation with CFPB that the original creditor asked them to place the account on holding pending a financial review of the account. 
1 ) the collection company Medit Credit continues to report the debt as outstanding and continues to report to the bureau as late and outstanding
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and 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 reported to be removed/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.

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!
Consumer complaint received 2021-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have sent several letters to Equifax, I sent them all my personal documents required by Equifax, Equifax stated that they can locate my file ( letter attached ), They have sent me credit reports to me before, how cant they locate my file.?

They ignored my request. Request attached with this complaint/ Pursuant 15 U.S.C Sec 1681a ( 3 ) Identity Theft and ( 4 ) Identity Theft Report. Having inaccurate addresses and with the amount of identity theft going on, I'm very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report. Please remove all the other addresses off my report, as they are not deliverable to me by the U.S postal office, and they are not reportable as per the FCRA since they are inaccurate. Pursuant 15 U.S. Code 1681b - Permissible purpose of consumer reports. ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I XXXX XXXX never gave Equifax any written consent to report these inaccurate old addresses or erroneous information in my consumer report, No consent is Identity Theft.
Consumer complaint received 2022-07-18
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. (AR)

In accordance with the Fair Credit Reporting act the following accounts : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX- XXXX XXXX  XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been aware for a long time that i have been a victim of identity theft. The bureaus have been no help. I have been trying to remove these negative, fraudulent accounts on my credit report and the bureaus refuse to budge. After a while i got in contact with a nice lady in the credit bureau an she instructed me to get a police report. That's exactly what i did and i have now included it in my complaint.
Consumer complaint received 2020-09-10
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: Experian Information Solutions Inc. (PA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-05-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (SD)

FedLoan servicing consolidated two federal loans with out my authorization or signing of master promissory note with them then I contacted them in XXXX of XXXX  to get the loan with them unconsolidated and they were unhelpful in gettin it done. After I secured a new consolidated loan with a different company in XXXX. They received a payoff check from the new company and then sent my loans back to XXXX where they should have stayed. After I received calls from XXXX about having a loan amount with them. I called FedLoan asking how they transferred a loan back with no money owed. They told me that they finally unconsolidated my loan. When I asked them about the pay off check they had no answers. I was able to get an answer after multiple calls and countless hours on hold saying I now need to contact the IRS to find out the status of the payoff check. This check is needed urgently to send to XXXX so I am only paying one loan the correct one and not two different ones to my new company and XXXX. FedLoan employees have not been professional during the calls, rude and unable to give answered to questions.
Consumer complaint received 2022-07-18
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. (IL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX, XXXX, XXXX, XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # 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 : States a consumer reporting agency can not furnish an 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 seven years.
Consumer complaint received 2022-07-18
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO. (MD)

XXXX XXXX XXXX for the company " Southwest Airlines '' ( XXXX ) Person ( s ) continue calling me, informing they are a 'debt collection agency ' from Southwest Airlines . They ask me to verify who I am ( address, date of birth, social security ) which I do not give or confirm except I give them the last digit of my address. I inform them nothing is owed to Southwest. I also asked them to send me an invoice, IF they already have my address. Which I do not confirm. They said they can not until after I give them my personal information. Which I will not. They continue to call and call and call, at least 2-5 times a week.

I called Southwest Customer Service XXXX to report this, spoke with a representative named ( XXXX XXXX ' ) who listened and then directed me to report this to : 'report fraud.ftc.gov '. She also informed me that If there was an amount owing, Southwest would have sent something by mail. Which they have not. I wanted Southwest to know and to see if they had a fraud department so I could give them the phone number of the frauds/ scammers/ extortionist,,, etc.. They did not at the time. She was kind.

My personal history with Southwest. 
1. I haven't traveled with them for over 4 years. All debts paid in full at the time of flying.

2. I haven't taken out any credit card with them.

3. I have NOT received any billing/ invoices/ notices/ statements from Southwest at all.

Let 's hope this blesses others from these scammers!
Consumer complaint received 2020-09-11
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. (MD)

In XXXX, I hired XXXX XXXX to repair my credit and they were successful which raised my credit score to XXXX which was good. Two years later my credit score went to a XXXX and I dont understand why -- 1 ) I am a US Citizen Retired XXXX XXXX but living in the XXXX for the 10-years so I do not make any charges on my credit cards? 
2 ) After I terminated XXXX XXXX in XXXX, my credit begin to drop and I do not know why 3 ) Items that were removed, deleted and off of my credit with 3-agencies has re-appeared on my credit and I dont know why 4 ) I hired XXXX XXXX XX/XX/XXXX and they informed me that Transunion is being extremely difficult after we already provide many items were not mine and many other items were paid-off, but Transunion continue to keep my score in the XXXX FYI : The majority of my credit cards have balances below {$500.00}, I have NEVER been late on ( Mortgage, Loan, or any other Payment ) since XXXX -- - 10-years ago. There is only 1-Credit Card maxed out which is XXXX  XXXX XXXX but nevertheless, payments are still made ontime. I have also re-hired XXXX XXXX  and according to them the SAME ITEMS that was taken care of in XXXX is back on my credit again. WHY?
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: PENTAGON FEDERAL CREDIT UNION (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Complaint Regarding Pentagon Federal Credit Unions Handling of Account Information Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Pentagon Federal Credit Union ( PenFed ) for its ongoing failure to provide accurate and complete information regarding my loan accounts, as well as its mishandling of critical account information that has negatively impacted my credit profile. Despite repeated attempts to resolve these issues directly with PenFed, they remain unresolved. 

Complaint Details : I hold the following accounts with Pentagon Federal Credit Union : Loan # XXXX Loan # XXXX Closed Personal Line of Credit I have repeatedly requested PenFed provide the following : XXXX. A comprehensive payment history for each account, including exact due dates, amounts due, and payment statuses. 
XXXX. An explanation for discrepancies in payment reporting. Specifically, some payments were made but have been inaccurately reported as missed, leading to adverse effects on my credit report. 
XXXX. Clarity regarding why my payment portal shows due dates far in the future with no amounts owed, yet missed payments are still being reported to the credit bureaus. 

PenFed has failed to provide this information, including after written correspondence and phone calls. I received a letter in response to my inquiries, but it did not include the details I explicitly requested, such as a full payment history or clarification of due date discrepancies. 

Key Issues : XXXX. Inaccurate Reporting : Payments I made during specific months have been reported as missed, contrary to my records. 
XXXX. Lack of Transparency : PenFed has not provided the requested documentation to verify account activity or clarify reporting errors. 
XXXX. Negative Impact : These inaccuracies have damaged my credit profile, impacting my financial standing and creditworthiness. 

Request for Action : I am requesting that the CFPB : 1. Investigate Pentagon Federal Credit Unions handling of my accounts, including its failure to provide requested account documentation and its inaccurate credit reporting. 
XXXX. Ensure that PenFed provides me with a detailed account history, including due dates, payment amounts, and payment statuses, for all referenced accounts. 
XXXX. Ensure that any incorrect information reported to the credit bureaus is corrected immediately. 

Thank you for your attention to this matter. If additional information is needed, please contact me directly at the details provided above. 

Sincerely, XXXX XXXX XXXX