davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-01
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. (TX)

my student loan is no longer with XXXX XXXX XXXX XXXX. I am now with XXXX DEPT OF ED. But great is needs to get remove from my credit report i tried to dispute it nothing is getting done. The account was open in 2009 {$1200.00} {$7500.00} {$18000.00} {$2900.00} {$10000.00} {$1700.00} {$7500.00} this loan has been consoildated with XXXX so why is it still on my credit report
Consumer complaint received 2021-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

My name is XXXX XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Below is the list of the erroneous account reporting on my Credit Report : 1. PORTFOLIO RECOV ASSOC XXXX Balance {$700.00}
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

ON XX/XX/2021 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 AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2021-11-01
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. (NJ)

I previously submitted a completed Identity Theft Report # XXXX. In regards to fraudulent accounts on my credit file. They were not deleted or blocked to show my true complete and accurate information. My Identity was stolen.
Consumer complaint received 2021-11-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation (GA)

Requested incorrect information updated and corrected or removed. 
Instead they began reporting mistakes and inaccurate history, high balance, and account status. The remarks are not the same. I have the right to accurately reported in all bureaus. 
I am asking for what is granted by law. 
Consumer protection from wrong information on credit. 
History, balance, high limits, account status are all different across each XXXX XXXX and XXXX. To resolve a removal is required.
Consumer complaint received 2021-11-01
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. (MS)

I have made several attempts to rectify this issue. I have a 30 day late with account XXXX XXXXXXXX from XX/XX/2019. The month in question I was given a forbearance. I have the letter stating it. I have made a dispute with all 3 credit bureaus and with XXXX/ XXXX XXXX XXXX XXXX XXXX said it was correct even though I provided them with the letter they sent about the forbearance. Then, they said they didn't report it to the credit bureau. I provided XXXX with proof that it was on my report but to no avail. Attached is a copy of the forbearance and proof that it is on my credit report
Consumer complaint received 2021-11-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (MD)

Due to covid related unemployment and decrease in income we applied for home mortgage modification and our application was approved or elegible for modification based on our income and current situiation our gross annual income is {$60000.00} and according to the guideline our modified payment should not be greater than 33 % our income But XXXX  Mortgage company refused to modified our mortgage based on our income and send us modification agreement with the same interesrt rate of 4.25 % which we have currently with no interest or principal reduction to adjust our monthly payment even if i talk to the underwriter they refused to adjust the payment based on our current income.
Consumer complaint received 2021-11-01
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters with regards to my request of removing the items in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : USDOEXXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00}
Consumer complaint received 2021-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

According to the Credit Report, one of the statuses on the account is listed as follows : You have missed a payment on this account. XXXX XXXX This is completely inaccurate because a payment should not be listed as missed and in a delinquent status if the payment was made up at a later date. 

In addition, XXXX closed my previous complaints without resolving them. I do not appreciate this and will be contacting an agent at the CFPB by phone to have those complaints re-opened. XXXX is not permitted to close complaints just because they do not want to deal with the concerns. The complaints were not handled professionally nor were any steps taken to assure me as a consumer that my information is protected from the disgruntled employee who can not deal with customers appropriately. 

Further inaccuracies may result in more severe consequences from a legal standpoint. Please rectify the issues and behavior from your employees at once, or I will have no choice but to take it further from a legal perspective.
Consumer complaint received 2021-11-01
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: World Acceptance Corporation (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXXedit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : WORLD FINANCE XXXX Balance {$480.00}
Consumer complaint received 2021-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (OH)

I disputed it. They say i owe this company but i never had electric with this company. I only used XXXX XXXX XXXX XXXX. My identity was stolen. I have no idea of who they are. I live in ohio only. Never got electric anywhere else. My gas was XXXX. This is fraud.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I contacted the below creditors, and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written or verbal I ask that you DELETE these inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purpose of Consumer Reports 15 U.S. Code 1681b in general. Subject to subsection ( e ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

XXXX XXXX INQUIRED ON XXXX XXXX, XXXX XXXX INQUIRED ON XXXX XXXX, XXXX XXXX INQUIRED ON XXXX XXXX, XXXX DEPT OF ED INQUIRED ON XX/XX/XXXX XXXX CARD INQUIRED ON XXXX XXXX, XXXX XXXX XXXX  INQUIRED ON XXXX XXXX XXXXXXXX XXXX INQUIRED ON XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX INQUIRED ON XXXX XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX INQUIRED ON XXXX XXXX, XXXX
Consumer complaint received 2021-11-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Persolve, LLC - Legal - Series 2 (CA)

XX/XX/XXXX To whom it may concern, I XXXX XXXX XXXX tried negotiating a fair price with Mr. XXXX from the XXXX XXXX XXXX XXXX It was he that told me that the only way they would let me pay a monthly {$150.00} payment, would be that they are going after the full {$9200.00}. Yes! Mr. XXXX said XXXX his own words over the telephone verbally. I know my rights and I know bill collectors are supposed to work with their clients. I told Mr. XXXX what XXXX can afford and I would try. My rent will be going up an additional {$270.00} per month starting XX/XX/XXXX. My rent will go up from {$1800.00} to {$2100.00}. the rent is split two ways. My student loan will also be paid on XX/XX/XXXX. What do you expect me to do when a bill collector is coming after {$250.00} a month. When they bought the account from XXXX XXXX XXXX, the account was still {$9200.00} and not {$10000.00} or {$13000.00}. Where are these debt collectors getting these figures? For, they did not pay {$9200.00}, {$10000.00}, or {$13.00}, XXXX for this debt which was sold by XXXX XXXX. It read in the closing portion that the statement was false. No! If a debt collector expresses to me what he expects and if I do not agree to what he wants, he needs to send me something in writing. 
I have a signed document of the new lease agreement starting on XX/XX/XXXX, my lease agreement will be going up to {$270.00} more a month. 
The XXXX XXXX XXXX Account Members don't have any compassion or respect for those who are in need. The statement when talking to Mr. XXXX was not false and Yes! I talked with him about reducing the payment. he replied, the only way that XXXX would accept a {$150.00} a month payment, they are to go after the total {$10000.00} dollars. What is it that you can not help me settle the problem I am having with XXXX XXXX XXXX wanting the entire {$9200.00} owed on the account? How is it on my XXXX Account, this debt is paid off and no payment is due? 
Around XX/XX/XXXX, or before, I signed up for XXXX XXXX, that I may get some help with the negotiating price/mediation. One of the lawyers from Legal Shield from the LAW FIRM OF : XXXX XXXX XXXX XXXX, LAW FIRM PHONE NUMBER IS XXXX. Tried to negotiate a fair price with the XXXX XXXX, but they did not accept it. I did not retain them because I do not have a 10 % retaining fee from the {$9200.00} fee. Again, Sir or Ma'am, my word is my bond and what Mr. XXXX relayed to me, this is what I am relaying to you. Can you please check my credit report and see that it is noted that this debt is PAID!!! Why are debt collectors coming after a debt that they only paid pennies on a dollar? 

XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-01-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (NJ)

Someone opened a XXXX account in MA, and I live in XXXX  for over 20 years all the while being a customer of XXXX for 30+ years in XXXX  & XXXX  only. 
XXXX submitted the debt to a collection agency. I send them the standard debt collection letter and the debt collector will no longer attempt to collect this debt as it is fraudulent. XXXX still insists it's valid even though they can not provide me with concrete proof it was i that initiated the service. They have admitted that it was initiated only with a SS number and no other proof of ID. Now XXXX wants me to provide them with copies of photo ID, SS card, driver 's licence and other additional information to prove the fraud. This is far more than they needed to open the account.
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I respectfully request to the have the following complaint filed against Capita One Bank in reference to a credit card that has been reporting negatively for the years. This debt has expired and should no longer be reporting on my credit report.
Consumer complaint received 2021-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital one credit card company charges fees on the same day that your bill is due. My bill is due on the XXXX of each month. Like most companies you have until midnight of the due date to get your payment in. However, Capital one takes advantage of customers and charges them a late fee if payments are not processed by XXXX on their time schedule the bill is not due. This is should not be legal. You are still using the automated system and it is still the due date.
Consumer complaint received 2021-11-01
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: Bread Financial Holdings, Inc. (KS)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance : {$0.00} Date opened : XX/XX/2015 ; XXXX XXXX Balance {$0.00} Date opened : XX/XX/2015 ;
Consumer complaint received 2021-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CREDIT ACCEPTANCE CORPORATION (NV)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by XXXX. Despite sending them the last letter, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the account that is still reporting on my account : 1. Credit Acceptance Corp XXXX Balance {$5400.00}
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquired on XXXX
Consumer complaint received 2021-11-01
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. (CA)

I am the natural person and consumer who is reporting a credit report error pursuant of 15 U.S.C code 1681 which states that inaccurate credit reports directly impair the efficiency of the baking system and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Transunion failed to report an update to a direct dispute. On XX/XX/2021, XXXX XXXX XXXX submitted a dispute in regards to an account that was placed in collections. Because I was denied documentation evidence I was unable to submit any documentation evidence for this dispute. However, this dispute was submitted almost 5 months and I have yet to receive a determination or documentation in regards to this account pursuant of 12 CFR 1022.43 ( a ) ( b ) ( c ) ( d ) ( d ) ( f ). In addition this is " Past Due '' by default which is being inaccurately reported. I never had a contract with XXXX XXXX XXXX therefore monthly activity should not be reported on my credit report. The debt collection agency also reported inaccurate information by reporting themselves to be the Original Creditor with a different balance that is not being reported now. I never gave consent for this information to be reported which is a violation of 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 under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates, In addition pursuant to 15 U.S.C. 1681a ( 2 ) ( ii ) the consumer report should exclude this information I give Transunion consent to move forward with this complaint
Consumer complaint received 2021-11-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NY)

My name is XXXX XXXX XXXX XXXX my social security number is XXXX and my year of birth XXXX ny address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ny XXXX my complaint is that my mortgage loan used to be with community loan servicing llc account number is XXXX before my loan was sold to XXXX XXXX XX/XX/2021 I was approved for a loan modification my trial period payment was XXXX the due date was XX/XX/XXXX with a grace period as long I get in in before the end of XXXX. I got letter from prior servicing dated XX/XX/2021 from asset manager Mr XXXX XXXX phone number is XXXX XXXX XXXX faxXXXX  XXXX XXXX loan servicing llc saying I was approved I agree and accepted the terms then I ask Mr XXXX XXXX  that my loan will be going to a new servicing company called XXXX XXXX and I ask him would I have to do loan modification application all over again. He responded no everything will transfer as is and selene finance will honor your modification request because it was approved by your investor so I called XXXX XXXX  and put in my new account number XXXX and it still shows I am past due.
Consumer complaint received 2021-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I work for this XXXX, I made calls and was given to debt collector. Very rude and continued to give different people to call for an itemized statement of original bill. I have no knowledge of what this bill is, where it came from, or why I would this debt .... I requested that information on my original dispute. I was not provided that information only what the debt collection bill says XXXX IS THE AGENCY AND I HAVE AN ACCT WITH THEM THAT I PAY FOR ... .. doesnt look like they are trying to truly provide me an investigation.
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

ACCOUNT FOR TOYOTA MOTOR CREDIT CORP.. ( ATTACHED ) XXXX WAS OPENED IN XX/XX/XXXX AND CLOSED ON XX/XX/XXXX ITS BEEN 7 YEARS ALREADY AND THIS ACCOUNT ITS HURTING MY FICO SCORE, NOT LETTING ME BUILD MY CREDIT AND AT THE SAME TIME VOIDING ME THE PRIVILIGE TO BUY A HOME..