davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Recently I did an investigation on my credit report and found several items that were inaccurate.Under 15 U.S code 1681e ( b ) accuracy of a report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information possibility accuracy of the information concerning the individual about whom the report relates. 15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. 
in accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX 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 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.PLEASE DELETE IMMEDIATELY
Consumer complaint received 2018-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

There is an address on my credit report that I have never lived at that the credit bureaus will not dispute or allow a dispute of. I am demanding this address be removed from my credit report as the credit bureaus are in violation of the Fair Credit Reporting Act : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2018-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have recently found out about inquiries that i was not aware of. After reporting mine being a victim of identity theft twice to consumer agencies transunion has not removed items on my report. Only XXXX. XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX- XX/XX/XXXX ; XXXX XXXX XXXX, XXXX ; XX/XX/XXXX. XXXX XXXXXXXXXX/XX/XXXX. XXXX-XX/XX/XXXX. XXXX XXXX XXXXXX/XX/XXXX. XXXX-XX/XX/XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXXXX/XX/XXXX. XXXX XXXX XXXXXXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXXXX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX-XX/XX/XXXX ; XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX-XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX-XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX-XX/XX/XXXX. XXXX XXXX XXXX-XX/XX/XXXX ; XX/XX/XXXX. XXXX XXXXXX/XX/XXXX ; XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX-XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-04-22
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: ID Analytics, Inc. (FL)

While shopping for a car, I was told my credit scores were too low? I know my scores from XXXX, XXXX XXXX and XXXX. I was told there is a new credit reporting agency called XXXX XXXX??? Who is XXXX XXXX? NEVER HEARD OF THEM. How do they have my information without my consent and how can companies all of a sudden become credit reporting agencies reporting inaccurate credit information? Is this an attempt to report negative information in order to allow lenders to charge more interest? 
WHO IS XXXX XXXX?
Consumer complaint received 2018-04-30
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 received dispute results from Experian about falsely created student loans in my name. On the dispute results Experian said that it verified that results of debt were accurate. I received a statement from XXXX XXXX stating that only two of the account numbers I submitted are legitimate and will continue to be reported on. Those two accounts are with Department of Education and are in good standing. The falsely created ones were created in XX/XX/XXXX. I'm also having to file charges against XXXX because of XXXX XXXX XXXX falsely created loans. There are two of these. I received a statement from XXXX XXXX XXXX that the two loans originated with them, but XXXX is the servicer. These loans were also created in XX/XX/XXXX. I  wasn't a student and didn't apply for any student loans in XX/XX/XXXX. Also on Experian dispute results there was a different social security number and several addresses that need to be removed.
Consumer complaint received 2018-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (CA)

I applied and got approved for a Wells Fargo Business Platinum credit card that comes with 1 % cashback on purchases. I have not received any of the cashback rewards despite having made over {$2500.00} in purchases on this credit card. I called to fix this issue and never got a call back.
Consumer complaint received 2018-04-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings (TX)

I had taken out a payday loan from Speedy cash for {$800.00} in XX/XX/XXXX. 
During the repayment process I had reached out to them to let them know I was having a hard time paying weekly. Unfortunately they kept taking payments from my account which caused problems with al my other bills. I closed that account because they wouldnt stop. During that time I was moving and had some other health issues going on and ultimately forgot about the end of the loan payment. 
XX/XX/XXXX I was served at work with a law suit from speedy cash for {$1900.00} and lawyer fees of over {$700.00}. Ive never been in that situation before and didnt understand what was served to me. While I was doing research and and working time had gone by and saw a judgment had been made against me. 
This was my second loan I had taken from speedy cash. The first loan I payed off almost immediately. So, for them to take this as far as they did for {$300.00} is beyond me.
Consumer complaint received 2018-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (OK)

On or around the end of XX/XX/XXXXI pulled my credit report and noticed that Santander Bank is reporting false information on my credit report with regards to a car loan that I had with them in XX/XX/XXXX. At that time I notified several credit reporting agencies of the error, they did an investigation and reported updated information from Santander that is still false. I want immediate resolution and expect that if I am denied credit because of their actions that they will be held accountable. 

Complaint Description : I had a car loan with Santander Bank which was paid in full XX/XX/XXXX, Santander is illegally reporting to the credit agencies incorrect information. Account Number : XXXX Make : XXXX XXXX XXXX VIN : XXXX Account Paid in Full Date : XX/XX/XXXX ( per confirmation on Santander letterhead ) Santander has reported this account has charged off on my credit report also has reported inaccurate information after I disputed the information, they added more incorrect information. Status on my credit report : Bad debt & placed for collection & skip They have also updated my credit report that I have not paid since XX/XX/XXXX through XX/XX/XXXX. Which appears as 48 times that I have missed payments, this is materially false information and when asked to correct they have not complied. I have documented a paid in full letter dated on XX/XX/XXXX. With this documentation and the behavior of Santander Bank I have legitimate documentation they are violating consumer credit laws. I would like to avoid legal action against Santander if they will accept my proposed resolution of immediate deletion of my account with all 3 credit bureaus, XXXX, XXXX  and XXXX.
Consumer complaint received 2018-04-22
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: Westlake Services, LLC (GA)

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These are the dates this Finance Company check my credit without my permission. Ive reached out to this company multiple times with no luck. This is a auto finance company, I have not given anyone my permission to finance anything with my credit nor have I applied for any finance loans. Ive been back and forward with the credit bureaus working on my credit fraud case. So Im contacting this company directly to have these inquiries removed and or deleted off of my report.
Consumer complaint received 2018-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

I have tried numerous times to have XXXX removed from my credit. I do not have a XXXX account & I have tried having this removed serveral times unsuccessfully. 
They are currently reporting negative on my credit for two amounts from XXXX. 
One for {$580.00} & XXXX from different dates. 
I did not authorize or have this account.
Consumer complaint received 2018-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection (VA)

I was falsely accused of a debt by the collection agency Perfection Collection, and they entered damaging information to the major credit bureaus, lowering my credit score. The debt was for a security system supposedly installed by XXXX in a daycare center located in XXXX, Kentucky. I am not the person named by XXXX in their purchase agreement. I have never done any business with XXXX, and I do not know and have never met XXXX XXXX ( or XXXX as appears on the Perfection Collection statement ). XXXX XXXX ( or XXXX ) has never lived at or been to my home address in XXXX  where I have lived for XXXX years. I have never been to XXXX, Kentucky, and I have never had any affiliation whatsoever with the daycare center. I have never signed a contract with XXXX  for any purpose. That is not my signature on the attached purchase agreement. I would like to point out that I always write, not print my signature, and I always include my middle initial. In addition, none of the writing on the purchase agreement is mine. 

I have corresponded with Perfection Collection several times to inform them that I am not the person responsible for this debt, but they have not yet ceased collection activity and deleted the XXXX account from the credit bureaus.
Consumer complaint received 2018-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CA)

I requested an explanation as to how I could release the Private Mortgage Insurance on my loan. The lender sent me a letter and an application for that proceed. The letter stated that, subject to a current value appraisal of 75 % or less LTV, as a result of substantial improvements in the property during the first two years of the loan, an appraisal can be ordered at my expense to see if the PMI is no longer required. However, despite this explanation in the letter, the company keeps insisting I must make a substantial principal payment no matter what to qualify. I asked for a supervisor for further information, and have not received a call back from someone other than the person who interpreted this provision of the loan.
Consumer complaint received 2018-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

My student loan is XXXX I only borrowed XXXX navient just keeps giving me forbarences and deferments I have been a XXXX  in ny for 16 years and I should have had my loans forgiven. Navient never enrolled me in the program. I filed chapter XXXX bankrupcy in 2015 and navient has not removed the loan from my credit report.
Consumer complaint received 2018-03-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (WV)

Last week, a debt from Afni was added to my credit report. The date stated that it was opened is XX/XX/2016, which is a lie. I did not have XXXX XXXX XXXX first off, secondly I did not receive any written notification for this debt whatsoever, and if anything were opened in 2016 it would not have just appeared on my report last week. I have proof from all credit bureaus it was never there. Also, since I have never received anything about this debt, I also never received any written notices of my right to dispute or to request validation ( not verification, VALIDATION. ) They are violating multiple rights per the FDCRA.
Consumer complaint received 2018-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I owe a balance to Bank of America and I have been paying more than the minimum due amount for the past 2 months. The amount showing in my credit score does not reflect the amount that I actually own the bank.
Consumer complaint received 2018-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

At XX/XX/2017, I received a offer deal information in my Bank of America XXXX account, which states I could earn a {$100.00} bonus after I receive two direct deposits of at least {$250.00} each within 90 days of new checking account opening. So I opened the account at that date, and I received an additional confirmation letter from Bank of America at XX/XX/2017, reference # XXXX. From then, I have received multiple direct deposites more than {$250.00} including payrolls and tax refunds, but I still didn't receive the bonus until today. I have contact Bank of America about this issue, but the representatives continus telling me that I should not be targeted for this offer because I have already took this bonus before. I acknolwge that I had another {$100.00} bonus from Bank of America in the early 2017, but the second offer letter doesn't mentioned this is a once per lifetime offer. As a result, I want want to get your help to receive the {$100.00} bonus from Bank of America. Thank you!
Consumer complaint received 2018-04-22
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)

back at the end of XX/XX/XXXX I had signed up on their website for auto pay. in XX/XX/XXXX I  received notice from them that I was 30 days past due. I had called them and explained to them I had signed up for auto pay and showed them where on their website I signed up for that. The manager explained that their website was incorrect and I had to go into a different area on the website to set up auto pay. The manager went on to the website and saw where I had signed up for auto pay so he waived the late fees and promised to not report me 30days late since it was not explained that I had to sign up for auto pay in two different areas on their website.

Just recently I pulled my credit and saw the late payment on my credit report. I went ahead and disputed it with transunion and they said that matrix refused that correct the report. 

I then sent a letter to matrix asking them to fix the credit report and reverse the late payment that was reported by them for XX/XX/XXXX. They never responded to me nor have tried to reach out to me. 

This is not my fault and their website is completely to blame. How does a consumer know that they have to sign up in two different areas if not dosent say that. 

Ive been a loyal customer to them since XX/XX/XXXX and pay ontime everytime in addition to their monthly billing fees they charge me just to have their card.
Consumer complaint received 2018-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

I applied for, and received a {$2500.00} credit line from XXXX XXXX Chase.They closed the account on XX/XX/XXXX and when I inquired as to why, they said that in XX/XX/XXXX, I had an adverse relationship with Chase for a Slate card. I have never held a Chase Slate card in my life. They could not tell me if it was charged off, paid off, or what since it was so old. In XX/XX/XXXX or XX/XX/XXXX, I had filed a Chapter XXXX   bankruptcy which doesn't even show up on my credit report but they are using the Slate card from 17 years ago, that I didn't even know about, nor do I have any way of disputing it as it doesn't show on my credit, as well as the bankruptcy that was so long ago, it doesn't even show on my credit as their basis for closing my account arbitrarily. I need to know who opened that Slate card and am curious if it's even legal to use information that far back that is not even on my credit reports as basis for terminating a credit line. In XX/XX/XXXX, I was living in public housing, working my XXXX off to take care of my kid after an abusive marriage. I now hold two XXXX   degrees and work for the most prestigious marketing agency in XXXX Florida - How do I get this fixed? Also, despite closing the account on XX/XX/XXXX, they put another inquiry on my report on XX/XX/XXXX that needs removal.
Consumer complaint received 2018-03-21
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)

Dear Experian, I checked my personal credit report, which I acquired from your organization onXX/XX/XXXX and I noticed a fraudulent inquiry had been made on XX/XX/XXXX.

I contacted XXXX XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX XXXX, they could not verify that the information was being reported.

I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX XXXX ( XX/XX/XXXX) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL.

Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your investigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.

Very Respectfully, XXXX XXXX
Consumer complaint received 2018-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed A Charge on my credit Report with Transunion over a dozen times! I have a fraud warning on my report which I dont understand why thy removed it without my consent. I last disputed with transunion on XX/XX/XXXX regarding the charge with XXXX XXXX for the amount of {$2900.00} I have submitted manually and electronically through various services such as XXXX XXXX, Also directly with transunion over the phone regarding the disputed information! transunion has failed to supply me with factual accuracy information from this company who has reported against me! I told them that I need proof that the company has a signed contract and identification proving that I am whom they are litigating! I have given transunion over 4 months to properly support this information or remove it and neither is done transunion sent me a report on XX/XX/XXXX with open account information! not a disputed decision And I am demanding that any And all information reported be sent to me on this company behalf!
Consumer complaint received 2018-04-22
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 have sent several letters to the credit bureau about the bankruptcy information reporting on my credit report file. I have been sending letters since XX/XX/2017 in regards to this matter. The credit bureau still is reporting the information as verified when I have asked them several times to provide me documation on how the information has been verified and they have yet to obliged. 

The United States Bankruptcy Court stated to me in a letter from the clerk of court that they do NOT provide any information to the credit reporting agencies, nor do they ever validate and/or confirm any public records. The reason why they do NOT validate public records information is because it goes against the privacy laws.

I have sent several copies to the credit bureau from the United States bankruptcy court, the XXXX XXXX, and XXXX XXXX to show proof this item does not belong on my credit file.