davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-13
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This is a continuation of CFPB complaint XXXX regarding XXXX account # XXXX. The attached response letter from XXXX XXXX, " Due to a manual error when updating your account, your account was incorrectly reported as past due. '' The attached letter from XXXX also states, " We would like to confirm that on XX/XX/2023, we submitted a correction to the credit bureaus to have your payment and account history updated. '' As of XXXX, two incorrectly reported 30-day late entries of XX/XX/2023 and XX/XX/2023 remain on my TransUnion credit report. I submitted an online dispute to TransUnion on XX/XX/2023 to have the incorrect entries removed and instantly received a result stating there were no inaccuracies found. I contend that TransUnion violated the FCRA by failing to properly investigate my dispute claims. If TransUnion reached out to the credit furnisher ( XXXX ) as required by law, it would have been apparent that the XX/XX/2023 and XX/XX/2023 XXXX lates were inaccurate information. I also contend that TransUnion violated the Fair Credit Reporting Act ( FCRA ), which states that XXXX must correct or remove incorrect information from my consumer credit report. My credit rating was adversely affected by TransUnion 's failure to correct inaccurate information, and I was denied credit as a result.
Consumer complaint received 2022-10-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IA)

On XX/XX/2022 I ordered some products from XXXX XXXX. Four shirts, two earrings, two pairs of shoes, two pairs of earrings and a headband. They couldn't fulfill one of the shirts so they refunded it. When I got the package there was only one item in there... Pair of shoes. I emailed XXXX XXXX  and they said they would refund it and I opened a dispute with PayPal. PayPal is making it very difficult to get my money back, Even though the company said they would refund me. I sent PayPal all the information including the email. PayPal asked me to file a dispute with either the police department or the Iowa attorney general. I filed it with the Iowa attorney general and sent them the information. Still have yet to receive my refund even though I explained to them. I need the money. I needed clothes and I need the refund in order to do that for the stuff I didn't receive. I have a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they don't care!
Consumer complaint received 2022-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Albert Corporation (CA)

I had an authorization hold returned to my card my a merchant. It never showed up on my card. I called the merchant ( XXXX XXXX ) who gave me the date ( XX/XX/XXXX ) and authorization number for the release but, XXXX its saying they did not receive it. XXXX asked if XXXX could call them or I conference call with XXXX on the line to get it resolved but, XXXX is refusing. They will not speak to me in the phone or XXXX XXXX. XXXX will provide proof to XXXX but can not send to customer but, XXXX refuses. I am now out of {$300.00} that was sent to XXXX. XXXX knows XXXX will only provide proof to them and, not the customer so, they told me to prove it myself or I dont get my money.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TN)

XXXX is continuing to report inaccurate information on my credit file. 
Also, XXXX has my credit score grossly low at XXXX, despite changing and removing disputed inaccurate information. 

XXXX sent me an updated credit report recently, that shows XXXX XXXX bankruptcy case blocked. However, XXXX has a Court order judgement that expunged all 3 fraudulent filed bankruptcies due to identity theft and is restricted from public viewing signed by the Judge. Now, XXXX is reporting on my credit file. This should not be reporting at all. Here is the case information and resolution from XXXX XXXX XXXX XXXX, Print complaint CLOSED, Submitted STATUS Submitted to the CFPB on XX/XX/XXXX Company 's Response Thank you for giving us the opportunity to respond to XXXX XXXX XXXX complaint. This item was withdrawn from XXXX XXXX XXXX ' credit report on XX/XX/XXXX. We will request a manual deletion through e-Oscar to ensure that the credit reporting agencies remove this from XXXX XXXX XXXX ' credit. We encourage XXXX XXXX XXXX to contact us directly if additional information is required. 


Collections XXXXXXXX XXXX XXXXXXXX Reported : XX/XX/XXXX {$1100.00} Needs Attention Overview You have 100 % left to pay on this collection. 
Balance {$1100.00} Highest Balance {$1000.00} Opened XXXX XXXX, XXXX ( 9 mos ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Consumer disputes this account information Medical Original Creditor Name XXXX XXXX XXXX  Closed No Info
Consumer complaint received 2022-08-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (DC)

On XX/XX/22 I ordered merchandise from XXXX XXXX totaling XXXX. I never received this package ( confirmed via security camera at my front door ) and reported it to XXXX XXXX by phone. XXXX informed me that it would promptly remove the charge. However, it failed to do so. When I followed up, XXXX said I would have to dispute the charge with the bank servicing its credit card ( Barclays ). 

On or about XX/XX/22, I reported the issue to Barclays and received a case number for its investigation ( XXXX XXXX ). 

On XX/XX/22 I contacted Barclays for an update and was informed that the investigation had not been initiated and promptly would be started. After receiving another account statement with the disputed charge still being billed, I contacted Barclays on XX/XX/22 and was told the investigation with the merchant was not complete and that Barclays would remove the disputed charge while the investigation was underway. This charge has NOT been removed by the Barclays and is still on my bill along with two billing cycles of interest charges on it.

Further, Barclays never informed me in writing about the disputed charge or the investigation, in violation of federal regulation. Also, it has not completed its investigation within the required 2-billing cycle timeframe.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

XXXX XXXX for XXXX XXXX is a fraudulent account on my credit reports that gas been disputed and a identity theft report filed. Along with a police report submitted to credit reporting bureaus. Please assist in removing this account.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2022-10-11
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 — Investigation took more than 30 days
Company: CCS Financial Services, Inc. (CA)

I submitted a dispute with XXXX XXXX on XX/XX/2022. They informed me that the dispute should be resolved by XX/XX/2022. However, its now XX/XX/2022, and the dispute is still processing. Its now gone over the 30 days allowed and I would like this removed from my credit report. I tried contacting XXXX XXXX  but Ive gotten no answer or call back. The agency I disputed is called Credit Collection Services in XXXX, MA. Please help as I dont know what else to do.
Consumer complaint received 2022-10-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

I applied for a 3-month Covid-19 loan forbearance in XXXX, knowing that I would be having financial trouble as a result of my family having contracted XXXX XXXX the month prior. I was told I was approved. One week into my XXXX forbearance I began to receive harassing phone calls to make my " late '' payment. The caller didn't know I was on forbearance and then told me I only qualified for ONE MONTH. Then told me that I had qualified for XXXX as well but I'd already made a payment for that month before applying so it didn't count. I applied in XXXX AFTER paying knowing I would not have money for the NEXT upcoming months. Then I received a letter saying I was only qualified for ONE MONTH, the month of XXXX. I borrowed money and tried to log in to pay for XXXX and it would not allow me to make a payment because it said I was behind on payments for XXXX, the month I was supposed to be in forbearance. 

I am a XXXX veteran with complex XXXX from the military and the XXXX XXXX XXXX. I just spent months in intensive XXXX XXXX treatment for a XXXX XXXX This is not okay.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this account ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-11
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. (TX)

I found improper use of my repot all are showing inaccurate on my report i need them deleted immediately and also need a copy of the original copy of the account send me a copy to XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX asap In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX 15 U.S.C 1681 Section 602 A. State I have the right of privacy 15 U.S.C 1681 Section 604 A. Section 2 : It also states a customer reporting agency can not famish an account without my written instructions
Consumer complaint received 2022-10-11
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Quality Asset Recovery LLC (PA)

I was in a lease agreement at XXXXXXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I was in a XXXX XXXXXXXX situation living in the property which the property manager was aware about. I stayed until my lease was over and I had a past due balance which was paid in full prior to me leaving. I tried to go back to my email receipts which the property manager sent me on XX/XX/XXXX stating that I was paid in full and now I'm not able to access the emails at all, it's now saying " This message can not be loaded '' as if it was tampered with. I've also reached out to the property numerous of times regarding this issue leaving voicemails and constantly calling throughout the days with no contact back. I'm very concerned with this issue because it's affecting my credit report and the last interaction I've had with this property ; I was in good standing.
Consumer complaint received 2024-08-26
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (TX)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX Status : Charge-Off Status Update : XX/XX/XXXX Transferred to another lender Purchased by another lender Balance {$0.00} Balance Updated XX/XX/XXXX Credit limit {$1100.00} Account info Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card PAYMENT HISTORY LEGEND Status Charge-off Status updated XX/XX/XXXX Past due amount - Highest balance - Monthly payment - Company sold Original creditor-
Consumer complaint received 2022-11-22
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: ENCORE CAPITAL GROUP INC. (FL)

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. 

Account name : Midland Credit Management # XXXX XXXX {$3200.00}, 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 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2024-08-26
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. (MD)

In accordance with the Fair Credit Reporting act XXXX  Account # 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 an account without my written instructions 15 U.S. Code 1681e - Compliance procedures ( B ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates section 605B it is illegal to report information on my credit report without my permissionn please remove this off my credit report thank you
Consumer complaint received 2022-10-11
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WATERSTONE MORTGAGE CORPORATION (FL)

I'm days to close on a mortgage and everything ( documents ) on the painful process has been complete ; we are in the final stage to close, and the lender is not accepting my funds to close, arguing that my money may be a XXXX  or XXXX  source because I have deposited XXXX cash from my safe in order to have enough money, because of this, the lender is requiring a gift letter from someone else to justified my funds. As a result, I'm loosing around {$2000.00} which I invested already on the appraisal, survey, inspection and {$1000.00} tittle deposit. 
I can prove that the funds available in my bank accounts are clean money coming from my two jobs and my retirement deposits, and NOT XXXX money from XXXX  or XXXX  money as they suggested. I have refused to close with the demands of the lender not accepting my personal funds and asking me to get a gift letter. In addition, the lender refuse to provide a final closing statement until I don't provide the gift letter. 
My name is XXXX XXXX, and my phone number is XXXX XXXX. 
Thank you for your attention in this matter.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I am writing to file a formal complaint against [ EXPERIAN ] for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 1681i ( 5 ) of the Fair Credit Reporting Act. 

Account Information : Creditor Name : [ XXXX  Account Number : [ XXXX ] Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, [ EXPERIAN ] has failed to comply with the law and has retained the inaccurate account information. 

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of [ EXPERIAN ] to adhere to this requirement is a clear violation of 15 U.S. Code 1681i ( 5 ) and has caused me financial harm and distress. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against [ EXPERIAN ] for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that [ EXPERIAN ] upholds its obligations under the law. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-25
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account XXXX XXXX and 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 : It also states a consumer reporting agency can not furnish a account without my written instructions