davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-31
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. (CA)

have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX   XXXX XXXX XXXX California XXXX # XXXX XXXX XXXX XXXX XXXX XXXX {$110.00}
Consumer complaint received 2018-01-31
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)

have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX   XXXX XXXX XXXX California XXXX # XXXX XXXX XXXX XXXX XXXX XXXX {$110.00}
Consumer complaint received 2016-06-09
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Bliksum, LLC (CA)

I requested a personal loan to Loan Me Company for XXXX, at the time that I requested I have a emergency and I needed the money right away, I was very desperate that at the moment I did n't think about how high was the loan interest, which 144 %, and now I struggling to make the payment on time, is hard for me now because besides this high interest and high payment loan I have another payments, and another basic expensive that sometimes I end without no money left.
Consumer complaint received 2024-08-07
Product: Credit reporting 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. (IL)

It is absolutely bothering me to see inquiries on my credit report which I do not recognize, this is definitely stressing me out and making me anxious wondering how and why can this happen. I am fully aware of the things I apply for and these companies - I never authorized these nor given consent to them to pull up my credit report.
Consumer complaint received 2018-01-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

Carrington bought my mortgage from XXXX  in the middle of XXXX taking my trial payments to modify my loan. Carrington claimed they didnt receive any paperwork they needed and had a nasty bill collector call and harass that the house was being taken and when would we be out of the house. My daughter called the bank and made a balloon payment to bring it up to date and we are late again. Same man started calling and even called me at XXXX. I am having my daughter cal Carrington directly but I no longer want their debt collectors calling me, only carrington directly. They also had someone come out to do residency verification, the previous people employed by XXXX   were more professional, the gentleman in question stepped onto my property without permission, engaged in a verbal dispute with my son-in-law stating that the bank owns the property and he did not have to talk to us.
Consumer complaint received 2018-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX California XXXX # XXXX XXXX XXXX XXXX XXXX XXXX {$110.00}
Consumer complaint received 2016-04-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (GA)

RELATED TO CFPB CASE XXXX WELLS FARGO BANK. 
XXXX XXXX XXXX STATES XXXX XXXX XXXX IS INVESTOR / OWNER OF MORTGAGE LOAN. PLEASE PROVIDE PROOF OF THIS STATEMENT. ALSO REPORT THE DATE OF PURCHASE OF MORTGAGE LOAN AND NAME OF SELLER. XXXX XXXX XXXX STATES FOR HOME OWNER TO CONTACT SERVICER WELLS FARGO BANK. PLEASE PROVIDE LETTER OF WELLS FARGO BANK ASSIGNED AS SERVICER OF MORTGAGE LOAN BY XXXX XXXX XXXX.
Consumer complaint received 2018-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (CA)

I have tried numerous time to dispute the late payment information on my account with both the lender ( NavientXXXX ) and all three major credit bureaus ( CBs ) and they will not update and/or remove the information. 
It is on record with the National Student Loan Database System ( NSLDS ) that specific accounts were in forbearance during a specific period of time yet my lender reported to the CBs that there were late payments during the forbearance period, even though they are the ones who originally reported that information to the NDLDS. 
Another issue I have is during the later half of 2015 I moved and had my mail forwarded for 90 days ( XXXX ) yet I have a late payment during that period and the statements were not forwarded properly.
Consumer complaint received 2018-01-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ResidentCollect, Inc. (KY)

Innovative R reported {$290.00} as owed to XXXX XXXX XXXX for disputed charges which were never resolved ). I only have a statement from XXXX XXXX XXXX showing XXXX which was disputed and I was never contacted by Innovative R
Consumer complaint received 2018-01-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (UT)

I owed a debt to XXXX XXXX XXXX, it was turned over to XXXX   Account # XXXX they turned it over to an attorney XXXX XXXX XXXX XXXX. I was serverd a summons for court. I contacted the law firm and settled the original amount of XXXX for XXXX. I paid the amount in full on XX/XX/XXXX my confimation # XXXX. Since then I have contacted XXXX and this XXXX XXXX XXXX XXXX at least 12 to 15 times with messages on transfers with no answers or resoulution. Please feel free to contact me anytime at XXXX. I feel this is wrong in so many was that you pay a debt yet they give you the run around for weeks at a time with absolutely no answers on how to resolve this, Thank you. XXXX XXXX
Consumer complaint received 2018-01-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

On XX/XX/XXXX at XXXX I received an email from Bank of America alerting me that my checking account had less than {$25.00} available. I checked my account and found that three transactions occurred that day that reduced my bank account to approximately {$3.00}. One transaction was for {$60.00} through an ATM in XXXX XXXX XXXX IL. The other two transactions occurred at XXXX XXXX IL Bank of America where a teller gave an unknown individual {$2000.00} and {$200.00}. I immediately called Bank of America to report the fraud. The debit card department took care of my {$60.00} that day. The check department said they could not do anything until the $ XXXX and {$200.00} transactions were posted to my account. On XX/XX/XXXX I called Bank of America first thing in the morning and reported the fraudulent activity for the $ XXXX transactions and was told I would be receiving correspondence for this claim ( claim number XXXX ). On XX/XX/XXXX I called Bank of America to follow up on the claim and was told that my case had not been looked at yet. I tried to explain that all the money I owned had been given to a stranger who walked into a Bank of America in XXXX XXXX IL and I won't be able to pay my house mortgage or apartment rent. Both are going to negatively impact my credit rating, I will be evicted from my apartment and unable to afford food for my family. I was told they were not authorized to credit my account because they haven't even looked at it yet.
Consumer complaint received 2024-08-07
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. (NY)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as XXXX and my Proof of Address.
Consumer complaint received 2018-02-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (VA)

I disputed an amount with XXXX XXXX in XXXX. They refused and said they would ruin my credit. They then put the amount they said I owed {$82.00} on my credit as unpaid debt. As of XXXX XXXX, a debt collection agency added this debt to my credit as a new debt and has claimed it as late for the last year. This was an old debt, added onto my credit as a new delinquent debt. I found it on XXXX, due to an app I have, and suspect it is also with the other two credit bureaus, but have not paid to receive a copy of those reports yet. This is underhanded ... adding this debt as a new delinquency. 

I contacted XXXX  and disputed the debt and as of XXXX Experian has removed it from my credit report. 

Information is as follows : XXXX Report number : XXXX Account Number : XXXX Company : XXXX XXXX  XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, MN XXXX
Consumer complaint received 2016-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

Someone stole my personal information and fraudulently obtained a bogus credit card. This started in XXXX XXXX 2015. I became aware of this when XXXX XXXX in XXXX, XXXX contacted me of this illegal activity. I reported this to the XXXX Police Dept in XXXX Case # XXXX with XXXX XXXX XXXX conducting the investigation.They started a investigation along with XXXX XXXX and XXXX XXXX in XXXX, XXXX who then turned it over to XXXX XXXX XXXX who have closed the case. 
Many outstanding charges started mounting up on my credit causing my credit score to start dropping. 
I lost my husband last month and I need for someone to correct these errors. I am a victim who is XXXX old that needs HELP!! 
XXXX XXXX XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

The List of accounts which are bankruptcies below which has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XX/XX/XXXX XXXX US BANKRUPTCY COURT-XXXX  XXXX XX/XX/XXXX XXXX US BANKRUPTCY COURT-XXXX  XXXX I looked at my Equifax credit report on XX/XX/XXXXXXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2018-02-26
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: JPMORGAN CHASE & CO. (TX)

I sent a dispute to chase auto in regards to account number XXXX and XXXX XXXX XXXX XXXX and XXXX. asking to reinvestigate information. I now have proof that the investigation was not taken seriously. all credit bureaus did not do there separate investigation per the FCRA. they let chase auto send false and inaccurate info and they also change the date of first delinquency to cover it up. I have a copy of before and after I disputed and the changes that were made. in the payment history sent to me by chase and there was a 30 late inXX/XX/XXXXfor non payment in XXXX. it also reflects in my old credit report. they had that info changed or not reported. so now they can say the first date of delinquency isXX/XX/XXXXXX/XX/XXXXthey also hade different account numbers on different credit reports the other one was XXXX the credit bureaus allowed them to change that instead of have them delete it due to inaccuracies and incomplete information per the FCRA. This account should have been deleted
Consumer complaint received 2016-05-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion fails to remove the XXXX XXXX XXXX XXXX account. Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Consumer complaint received 2018-01-30
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: EQUIFAX, INC. (PA)

I went online at XXXX XXXX to check out some information on a refinance loan. The next day they called me and took some info I asked them not to run a hard credit check. Apparently they did and could not get any of my scores I talked to them for no more then five minutes and received no info on a loan. All that happened was a hard search is now all on three credit agencies I called to have them removed ( I was on hold for a total of 2 1/2 hrs ) between the three and neither would remove this one hard search. Not to mention how rude they were. I just want it removed. I didn't ask for the search and didn't get it even if I did. Nobody should b treated the way these companies treated me. This was on XX/XX/XXXX at XXXX. XXXX XXXX called and I was on the phone asking for it to be removed till XXXX it took 10 min to appear on XXXX XXXX and now it might be there for 2yrs, a five min mistake. please help. P.S. my credit isn't bad I just want to keep it that way.
Consumer complaint received 2018-02-26
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMK Investments Inc (WI)

I called XXXX XXXX Solutions in XX/XX/XXXX. I let them know that the debt with XXXX XXXX XXXX was paid off on XX/XX/XXXX and I have a receipt to show my balance was at XXXX. I faxed the receipt to them on XX/XX/XXXX. It has been well over a month and every time I call they say that they are still waiting a response from the company XXXX XXXX XXXX. They are still reporting this debt to the credit bureaus which is having a negative impact on my credit score. I did submit a dispute online with the credit bureau in XX/XX/XXXX. I want them to not call me and remove this debt.
Consumer complaint received 2018-01-31
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. (NY)

Hello, I've been in contact with transunion over the past couple of months via phone numerous times ... .Everytime I call I get someone who barely speaks english and can never get anyone who I can fully understand what theyre saying nor can they understand what im saying ... After numerous conversations about the errors they have reporting on my credit file I was finally able to understand them directing me to goto their websites ... .I went on there and disputed the incorrect items on my credit report on their website and after not only WOULDNT the dispute not go through but it also delivered me error messages that said the accounts werent reporting on my file, ... .how is this possible? I've become so stressed out I dont know what to do ... I have also attched a copy of the screen shot of the website ... PLEASE CAN SOMEONE HELP ME?
Consumer complaint received 2018-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

To CFPB After making several attempts to get Experian to remove the inaccurate information including old addresses that, according to the FCRA I, as a consumer have the right to have removed from my report, Experian has refused to remove these inaccuracies off my report, responding that I would need to speak to those who placed them there, EXCUSE ME!!! Federal law says I can have them removed. 
Since Experian has refused to comply with Federal law and by their non compliance to that law as well as XXXX XXXX we have decided to give Experian 15 days from receiving this communication to remove these inaccuracies or there will be legal action taken against them by our attorneys.
Consumer complaint received 2024-10-25
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: EQUIFAX, INC. (NJ)

When I investigated my credit report, I realized that some of the information were erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX  Balance : {$440000.00} XXXX  XXXX XXXX Balance : {$100000.00} XXXX XXXX XXXX XXXX XXXX XXXX