davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-08
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: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2022-07-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Mitchell D. Bluhm & Associates (TX)

A collection account has been added to my credit report for an amount {$340.00} that I do not owe. 

Debt Collector Info : MBA Law  XXXX XXXX XXXX XXXX TX XXXX Here is an excerpt of a letter I sent on XX/XX/XXXX explaining why I did not owe : I received a call prior to the procedure from the providers insurance department. I was told that my share of the cost ( after insurance coverage ) was {$200.00}. I then scheduled the procedure. When I arrived at the provider location, I was asked to pay {$540.00}. I explained my conversation with their insurance department which stated I would have a {$200.00} out of pocket cost. I was told by the check in person that they would accept the {$200.00} so I paid that amount and had the procedure performed. 

Here is an excerpt from a letter I sent to MBA Law on XX/XX/XXXX after MBA Law placed this on my credit bureau report : This is in response to your letter dated XX/XX/XXXX regarding a balance owed for services from XXXX in XXXX. 

There is no dispute that I received these services. The dispute arises from the fact that I called to schedule my procedure and asked about the out of pocket before I booked the day and time. As you can see from the enclosed letter copy dated XX/XX/XXXX that I was told that my out of pocket due at the time of check in will be {$200.00}. When I arrived for my appointment, I was told it will be {$540.00}. I explained my conversation with their insurance verification team and was told {$00.00} and they said they would accept the {$200.00}. 

Please have your client honor their commitment. 

Further Notes : I received no prior notification of the debt before the collection was placed on my bureau report. No phone call, no letter, nothing. Super unfair to do this without even talking to me.
Consumer complaint received 2021-12-08
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2021. And now we are in the month of XX/XX/ 2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (MD)

Midland funding Inc as re-aged my debit and still fells to state when my debit will be delete off my credit report so please provided me, my lawyers and the Consumer Financial Protection Bureau the date in which the debit will be deleted from my credit report file. Account number XXXX
Consumer complaint received 2022-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-06-10
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. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-07-11
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act 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 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I tried to change my actual name and address on my credit report numerous times. Every time I check my report, the same old address and wrong name is still listed. I would like my address to be updated to one address I live at now and the others removed asap. My name is XXXX XXXX and not XXXX XXXX. My first name as XXXX is on my birth certificate and that is what I should go by.
Consumer complaint received 2022-07-11
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. (TX)

I reported all 3 major credit bureaus XXXX, XXXX, and Experian that the collection from XXXX XXXX XXXX XXXX XXXX XXXX has many inaccuracies. 
Experian and XXXX account number is different form XXXX. Experian and XXXX are reporting a high balance of {$1500.00} and XXXX is reporting a high balance of {$1500.00}. Experian date of last activity is XX/XX/XXXX, XXXX date of last activity if XX/XX/XXXX and XXXX date of last activity is XX/XX/XXXX all dates are different from each credit bureau. Experian and XXXX is reporting balanced owed of {$1600.00} and XXXX is reporting balance owed of {$1600.00} all different from each bureaus and also balanced owed is higher than the high credit amount. Experian and XXXX account status is listed as closed and XXXX account status is listed as open, however when their is a collection it can not be have an open status. These inaccuracies are causing me emotional mental distress due to the fact I can not I apply for credit to make major purchases for myself without having to pay high interest due to these inaccuracies. 
XXXX XXXX XXXX XXXX Experian XXXX Account # : -- XXXX XXXX High Balance : -- {$1500.00} {$1500.00} Last Verified : -- -- -- Date of Last Activity : -- XX/XX/XXXX XX/XX/XXXX Date Reported : -- XX/XX/XXXX XX/XX/XXXX Date Opened : -- XX/XX/XXXX XX/XX/XXXX Balance Owed : -- {$1600.00} {$1600.00} Closed Date : -- -- -- Account Rating : -- Derogatory Derogatory Account Description : -- Joint Joint Dispute Status : -- Account not disputed Account disputed Creditor Type : -- Other Collection Agencies Other Collection Agencies Account Status : -- Closed Closed Payment Status : -- Collection/Chargeoff Collection/Chargeoff Creditor Remarks : -- Customer disputedaccount - reported bysubscriber. Consumer disputes thisaccount informationSubject has not satisfieddebt. 
Original Creditor : -- XXXX XXXX XXXX XXXX XXXX  Last Payment : -- -- -- Past Due Amount : -- {$0.00} {$0.00} Account Type : XXXX XXXX XXXX XXXX Account # : XXXX -- -- High Balance : {$1500.00} -- -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX -- -- Date Reported : XX/XX/XXXX -- -- Date Opened : XX/XX/XXXX -- -- Balance Owed : {$1600.00} -- -- Closed Date : -- -- -- Account Rating : Derogatory -- -- Account Description : Joint -- -- Dispute Status : Account not disputed -- -- Creditor Type : Collection Services -- -- Account Status : Open -- -- Payment Status : Collection/Chargeoff -- -- Creditor Remarks : Account informationdisputed by consumer, meets FCRArequirements -- -- Original Creditor : XXXX XXXX XXXX  -- -- Last Payment : -- -- -- Past Due Amount : {$0.00} -- -- Account Type : -- -- --
Consumer complaint received 2021-10-29
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I XXXX XXXX entered a consumer credit transaction with Capital One Auto Finance on XX/XX/2020. I investigated and found fraud and several violations committed by Capital One Auto Finance. A consumer credit transaction in which finance charged was involved. 

Fact, Affiant is aware and has proof in attachment labeled as Exhibit A, Exhibit B, Exhibit G and Exhibit H that Capital One Auto Finance is violation of 15 USC 1605 ( a ) regulated by 12 CFR 1026.4 ( a ). A finance charge is the sum of all charges in a consumer credit transaction, and it does not include cash. Since XX/XX/2020, Capital One Auto Finance in fact, took cash as a monthly payment as shown in Exhibit A, Exhibit G and Exhibit H and took cash as a down payment as shown in attachment labeled Exhibit A and Exhibit B. Capital One Auto Finance is liable pursuant of 12 CFR 1026.1 ( e ).

Fact, Affiant is aware and has proof in attachment labeled as Exhibit A that Capital One Auto Finance is in violation of 15 USC 1605 ( a ) ( c ) regulated by 12 CFR 1026.4 ( b ) ( 5 ). This transaction included a finance charge, and the finance charge includes insurance which protects the creditor against the obligation loss, and or property damage. Since XX/XX/2020, Capital One Auto Finance did not include my insurance in my finance charge as shown in Exhibit A, Exhibit C, Exhibit D, Exhibit E and Exhibit F. Proof I had to obtain insurance is shown in Exhibit C, Exhibit D, Exhibit E and Exhibit F. Capital One Auto Finance is liable pursuant to 12 CFR 1026.1 ( e ).

Fact, Affiant is aware and has proof in attachment labeled as Exhibit A, Exhibit B and Exhibit H that Capital One Auto Finance is in violation of 15 USC 1611 regulated by 12 CFR 1026.1 ( e ). Since XX/XX/2020, Capital One Auto Finance willfully and knowingly failed to provide/disclose information. Required under the provisions of 15 USC 1601. Capital One Auto Finance willfully and knowingly failed to provide/disclose information required under the provisions of 15 USC 1601 ( a ) and 12 CFR 1026.1 ( b ). Capital One Auto Finance is criminally liable.
Consumer complaint received 2022-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Hi I am submitting thisXXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion 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 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (CA)

I had 3 accounts with Affirm. I was supposed to get 4 payments interest free on each account. I did not. I sent payments to pay each account off and they did not apply them correctly. It took a couple of weeks to get them to apply it correctly and now they are reporting them delinquent. I was never 30 or 60 days late on ANY account with them.
Consumer complaint received 2022-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (CA)

I paid for my XXXX pass for XXXX day. When I got notified I had an account I canceled the account and went on with my life not knowing they were charging me monthly for a whole year but my card was lost and stolen so I got a new one. Find out my XXXX XXXX dropped very low and seen them on my credit. You can only XXXX the anger and shock. I have a then park ruining my XXXX XXXX. Please help remove all this debt from my credit. XX/XX/2022 - XX/XX/2022 XXXX Ive been disputing the charges.
Consumer complaint received 2022-07-11
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: Experian Information Solutions Inc. (NJ)

In accordance with the Fair credit reporting ACT. The list of accounts on my credit report has violated my federal protected consumer rights to privacy and confidentiality under 15 u.s.c 1681. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 section 604A section2 : It also 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 then seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows are has reasonable cause to believe that the information is in accurate.
Consumer complaint received 2019-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (NY)

I closed my Target XXXX Master Credit card at my request, and paid the balance in full. 
Prior to closing the account and paying in full. I made a payment of {$95.00} on XX/XX/2019, the due date was XX/XX/2019 and I acknowledge the payment was late, but not 29 days late. I paid the balance in full on XX/XX/2019 in the amount of {$3000.00}. I reviewed my credit report and it states Target Mastercard Potential Negative status. 

I spoke with XXXX XXXX on XX/XX/2019 and he advised the payment was one day late it is considered late, I advised it was under 29 days late, and for you to report to the credit bureau I paid over 30 days late is incorrect. I requested a letter from XXXX/Target bank to send a letter stating me account was closed at the consumer request and paid in full. 


XXXX XXXX advised XX/XX/2019 XXXX XXXX  reported I was 30 days late on my account, which was inaccurate. I was one day late!
Consumer complaint received 2022-07-11
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PNC Bank N.A. (WA)

XXXXunknown phone call received XXXX # XXXX received XXXXunknown phone call received : I returned call which I found was XXXX : This was someone from PNC, stating they were attempting to contact my ex-son-in-law ( they only gave me his name, XXXX XXXX ). He said they were reviewing a resume and needed to talk to me ). I asked him to never call again and he stated I would be taken off the list ). 
XXXX XXXX received from XXXX XXXX from XXXX, Wa. I called back to the number XXXX and it was someone from PNC regarding my ex-son-in-law. I told them to not call again. 
XXXX Call from XXXX again. 
Called that number back. Same individual again and repeated that I didnt want to be called re : son-in-law from PNC. He began angry and said I was lying about my son-in-law and hung up on me.
Consumer complaint received 2021-09-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MD)

Subject : Unfair Practices - Mr. Cooper Home Loans/Nationstar Bank In XX/XX/XXXX we reach out to Mr. Cooper to request an Forbearance program due to the COVID 1 9 shutdown in the United States . This was because the virus was spread throughout all of the country. So we contacted Mr. Cooper and they started the paper work for the program and asked us to stay in touch with them regarding our situation and we did. They assured us that after the forbearance that Mr. Cooper goal is to work with its customers. 
On XX/XX/XXXX, after the moratorium end I reach out to the mortgage company to find out what my option were. The customer service representatives encouraged me to start the process for the request for a Loan Modification which would take 30 days or more to process. I filled out the requested forms ( mortgage assistance application, XXXX, pay statement, hardship letter of explanation ). Customer services ask me to submit everything and someone will call me to discuss the options. I stated that the reason for the loan modification was to lower the rate and payment to help us get back on track with paying the mortgage. They said that the forbearance payments would be deferred to the back end of the loan. I was instructed not to make any payments until I heard from customer services regarding the modification option. 
On XX/XX/XXXX, I received an email of declined from Mr. Cooper no one called to discuss the modification option. I spoke with preventative XXXX on XX/XX/XXXX a she stated that Mr. Cooper does not have to abide by the Federal Government lending laws for modifications. She stated this has nothing to do with your information you turned in with your application. The lender instructed the underwriters to not review the application information they chose not to do the modification but request all the money from the forbearance program. XXXX suggested I reach out to HUD Assistance for help she provide the information. I also informed XXXX of out hardship situation regarding my husband and the letter explains everything. She stated that if we dont pay the forbearance amount ( {$64000.00} ) that Mr. Cooper will start the foreclosure process on our home in 2 or 3 months. THIS IS UNFAIR we were not giving the option to do a modification on our home!

I contacted HUD Assistance and Ms. XXXX XXXX spoke with Mr. Cooper to request that they consider review the modification program for us and it was still declined. Ms. XXXX instructed me to reach out to the CFPB for assistance with Mr. Cooper. Im sure we are not the only homeowners who are going through this problem.

Im requesting an investigation be open with regards there loan modification application process. 
Thank you.