davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A. (IN)

On XX/XX/XXXX, I attempted to make a payment to PNC through my checking account ( XXXX XXXX XXXX ). PNC did not document the payment until XX/XX/XXXX and sent me a letter reporting they were crediting the payment because they did not have a routing number from my bank. The check came from my bank, as I utilized on-line banking. This has been an on going issue with PNC. When I paid my bills through XXXX XXXX they kept returning the payments. This appears to be a scam to rack up late fees and keep me indebted to them. I appreciate any assistance you can offer.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I have contacted them via telephone and in writing. They are reporting that I filed a recent bankruptcy in XXXX causing me to be declined and or pay higher interest rates. I did not file bankruptcy in XXXX. My ex husband filed in XXXX and I was by accident added by mistake. They quickly corrected the issue and closed the bankruptcy with me. My ex husband currently filed the bankruptcy and not me. The credit company has failed to correct this issue by removing the bankruptcy filed in XXXX by my ex husband. They fail to do anything with removing and its causing me to be declined bc of this error. Banks are looking that I filed bankruptcy in XXXX  counting it has a recent bankruptcy. However, there is no court order showing a discharge of this XXXX bankruptcy but I did not file one. They also fail to remove inquiries that I have in writing disputed. I have a fraud alert on my credit which makes a company have to go through steps to extend credit. The companies have never called me and I have never done business with them. The alert was placed due to my ex husband using my social security number. The same companies are running my credit every month without getting authorization from myself. The credit agencies as well failed to protect my credit account even with several telephone complaints and filing concerns and disputes in writing. This is an issue with all 3 credit agencies.
Consumer complaint received 2023-02-06
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. (GA)

I reviewed my XXXX XXXX and noticed I had some transactions that are reporting late on my consumer report. According to 15 USC 1681 ( a ) ( 3 ), Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I have never been late on payments with the following accounts : XXXX XXXX : Account # [ XXXX ], XXXX XXXX  : Account # [ XXXX XXXXXXXX XXXX : Account # [ XXXX ], XXXX XXXXXXXX : Account : [ XXXX ], XXXX XXXX XXXX XXXX : Account : [ XXXX ], XXXX XXXX XXXX : Account : [ XXXX XXXX XXXX XXXX XXXX XXXX : [ Account : XXXX ] XXXX 

Please investigate and provide proof with statements showing that these transactions were late. If proof can't be provided I demand that these payments be updated on time with no late payments reporting at all as they should be as I was NEVER LATE.
Consumer complaint received 2020-04-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CO)

AGAIN BACK ON XX/XX/XXXX MY WIFE THE MORTGAGE HOLDER PASSED AWAY. SINCE THAT TIME MY SON AND I HAVE BEEN TRYING TO GET THIS MATTER RESOLVED. LAST YEAR MY SON SUFFERED A XXXX  AND FOUND OUT THAT HE WAS XXXX  XXXX   XXXX. THE PROPERTY IN TITLE SINCE IT IS A JOINT TENANCY THAT WAS FILED IN XXXX, XXXX THE PROPERTY IS NOW MINE AND MY SON 'S. THESE XXXX  AT BAYVIEW LOAN SERVICING KEEP TALKING ABOUT PROBATE AND I HAVE ATTACHED A COLORADO LAW TO SHOW THEM THAT THEY MUST HAVE THE BIGGEST BUNCH OF XXXX AS ATTORNEYS WORKING FOR THEM. AS YOU CAN SEE THE PROPERTY PASSES TO ME AND MY SON WITH THE JOINT TENANCY. THERE IS NO NEED FOR PROBATE ACCORDING TO COLORADO LAW. ALL THESE XXXX AT BAYVIEW IS SAYING IT NEEDS TO BE PROBATE. XXXX  XXXX. ALSO MY SON WHO LOST HIS JOB DUE TO THE XXXX WE GOT A LETTER STATING THAT THE PAYMENTS WERE SUSPENDED THROUGH XX/XX/XXXX. I THEN ASKED FOR THE PAYMENTS TO HAVE A 180 DAYS SUSPENSION TO THE NEW CARES ACT AND A XXXX XXXX FROM BAYVIEW STATED THAT DOES NOT APPLY. ANOTHER BREAKING THE LAW. SINCE XX/XX/XXXX XXXX XXXX HAS SENT AN EMAIL STATING THAT XXXX XXXX AUTHORIZATION TO SPEAK TO ME ABOUT THE LOAN BUT STATES THAT SHE CAN NOT OR BAYVIEW CAN NOT DUE ANYTHING. SINCE I FILED A COMPLAINT ON CONSUMER AFFAIRS I HAVE GOTTEN OVER 1500 HITS AND HAVE ATTORNEYS CALLING ME WANTING TO HELP ME AND XXXX  IT  TO BAYVIEW. THE PEOPLE AT XXXX XXXX  XXXX  AS WELL AS XXXX XXXX OF MONTANA WHO TOOK BAYVIEW FOR XXXX HAVE OFFERED OPINIONS AND OTHERS. ANOTHER COPY FROM A COLORADO LAW BOOK AND THE COPY OF THE TITLE SEARCH WHICH BAYVIEW DID IS ENCLOSED. I SUGGEST THAT THIS MATTER IS RESOLVED TO MY LIKING BY XX/XX/XXXX OR CIVIL AND CRIMINAL ACTIONS ON MY BEHALF WILL BE FILED BY ATTORNEYS THAT ARE WILLING TO REPRESENT ME FOR FREE. THIS XXXX HAS GONE ON LONG ENOUGH AND SINCE BAYVIEW IS TAKING FEDERAL MONEY MAYBE AGAIN THE FEDSD SHOULD SHUT IT DOWN. THANK YOU. 

XXXX XXXX XXXX.
Consumer complaint received 2023-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This dispute is regarding XXXX XXXX Inaccuracy # 1- The " date of last activity '' does not match across Transunion XXXX XXXX, and XXXX XXXX Transunion reports XX/XX/XXXX, XXXX shows XX/XX/XXXX, and XXXX shows XX/XX/XXXX. This date must be accurate because this is the date of original delinquency. A collection account can only stay on your credit report for 7 years and then it is deleted. This date also determines when the statute of limitations is up and shows how long a debt collector has to sue and in Texas that is 4 years. 

Inaccuracy # 2- The amount owed of does not match across the bureaus. Transunion is reporting {$500.00}, XXXX is reporting {$500.00}, and XXXX is reporting {$500.00}.

Inaccuracy # 3- The " Report date '' is being updated every month this the current month and making the collection look new. My most recent credit report shows that Transunion is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. 

Inaccuracy # 4- The " Open date '' does not match across the credit bureaus. Transunion is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. 

Other Violations on this collection account include : -XXXX  is reporting a past due amount of {$500.00}. Collection accounts are closed and there for should not be reporting a past due balance. 
-Transunion is reporting is reporting this closed collection account as " open ''.

-There is no date of last payment listed for any of the credit bureaus.

According to the FCRA section 623 ( a ) ( 2 ), if a furnisher, furnishes information to one or more credit reporting agencies that is incomplete or inaccurate, that furnisher must promptly provide the correct the information or remove the incomplete or inaccurate information. 

XXXX and the credit reporting agencies Transunion, XXXX, and XXXX were made aware of all FCRA violations multiple time and the issues were left uncorrected every time. They have also NEVER provided the original contract containing my wet signature, NEVER provided an itemized billing statement of all payments made, NEVER showed proof of ownership to show that they are authorized to the collect the debt, and NEVER provided the method of how the collection balance was calculated. I have already requested this information in previous disputes. This company is taking part in illegal debt collection practices and after this I dispute, if the violation is not fixed, I will be taking further legal action.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (IL)

For the past XXXX  years I have been paying for a " Credit life insurance fee '' plan on my best buy credit card without knowing. The charge shows up as XXXX on my statement. The amount charged each month also varies from month to month, sometimes its XXXX XXXX, other times its {$20.00}, XXXX, XXXX etc.They say I clicked a box when I applied for the best buy credit card that enrolled me. I don't recall signing up for any service. I was in the Best Buy store when I applied for their credit card, and just filled out my info and signed my name in person, I don't recall clicking any box for services nor have I done any such thing before for any of my other credit cards.
Consumer complaint received 2023-02-11
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: OPORTUN FINANCIAL CORPORATION (NE)

Received a report from XXXX  that my social security number was associated with another individuals account. Contacted XXXX and they states that the inquiry was made by oportun bank. Called oportun bank, and they stated that they do not have the ability to search for my social security number or associate it to an account, and they could only see the last four digits of it, and thus could not provide me with any information on what account may have been fraudulently opened using this social security number. Thus, ai could not obtain documents relating to any fraudulent transactions that may have been made or loan accounts that may have been opened using my personal information in violation of the fair credit reporting act.
Consumer complaint received 2023-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2023-02-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (MD)

I have blocked them but they are robo calling from different numbers and harassing me when the debt was discharged I received a 1099c so original debt was written off by the company and I received a 1099 misc form for taxes because they wrote off the debt so how can I be sent tax statement and old debt which I no longer have my records to verify to accurate debt that was even originally owed they pretend to be other companies change name on caller Id and call at hours that are inappropriate and it was written off so how can original debtor write it off their taxes and receive tax break and sell the same debt after discharging it does make any sense to me at all
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update or correct them immediately in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello I see a charged off on my credit report under this name XXXX XXXX XXXX XXXX XXXX XXXX. I've send a letter to XXXX and TransUnion with a detail letter. 

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 appropiate, based on the results of the reinvestigation : and
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am filing this complaint against Equifax regarding their failure to properly resolve a dispute I submitted concerning inaccurate information on my credit report. Despite my formal request for verification and correction of the disputed items under the Fair Credit Reporting Act ( FCRA ), the response I received from Equifax has been inadequate. 

Here are the details of the issue : Confirmation numbers : XXXXXXXX XXXX XXXX XXXX  XXXX Dispute Submitted : XX/XX/year> Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Dispute Reason : This account does not belong to me. 

Equifax informed me that the disputed item had been " updated '' but failed to provide any verification or documentation to support the continued reporting of this item. I formally requested verification as required under FCRA Section 611, and I have not received any substantiating evidence from Equifax to confirm the accuracy of this information. 

Summary of My Issue : I requested verification of the accuracy of an account on my credit report, and Equifax claimed they updated the item but did not provide any documentation to support their findings. 

I asked for the supporting documentation, as is my right under the FCRA, but Equifax has failed to respond appropriately. 

The inaccurate information remains on my credit report, which is negatively affecting my credit score and overall financial standing. 

Resolution Requested : I am requesting the CFPB to assist me in ensuring that Equifax : Provides the necessary verification documentation they claim to have used in their investigation. 

Removes the disputed item if they are unable to provide verifiable proof of its accuracy. 
Ensures that any actions taken by Equifax comply with the XXXX investigation requirement as mandated by the FCRA. 

I also request an investigation into XXXX handling of consumer disputes, as this failure to provide proper verification and their vague response regarding an update is causing significant harm to my credit.
Consumer complaint received 2023-02-14
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. (CA)

I sent a letter last XX/XX/2023 to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. XXXX ) you are required to remove/block any items or information not later than 4 business days after XX/XX/2023. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$320.00} ; XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX Balance : {$950.00} ; XXXX XXXX XXXX : {$390.00} ; XXXX XXXX Inquired on XX/XX/2023 ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX.
Consumer complaint received 2023-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hi, My name is XXXX XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

In 2020 at the height of the pandemic. XXXX did Not apply funds that I paid during the pandemic. I have tried to dispute it and get the 5 months non payment off my report as it is inaccurate. Instead they transferred my loan without my consent and left the incorrect information on my credit plus new additional months not paid which is incorrect information by XXXX and showing on this report
Consumer complaint received 2023-02-06
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: Experian Information Solutions Inc. (GA)

I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Consumer complaint received 2023-02-06
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. (AL)

In XXXX my student loans were transferred from XXXX XXXX to XXXX. As of today, XXXX XXXX is no longer an active company and does not exist. 

In XX/XX/XXXX I filed a dispute on my account because XXXX XXXX and XXXX were both reflected on my credit report. Because it was a transfer of loans, only XXXX should have been shown. After the initial report, some of the loans were deleted off the account but 3 remained. Late XX/XX/XXXX into XX/XX/XXXX I reported that the 3 loans remaining were a mistake and duplicates of the same loan on my account ( XXXX and XXXX ). XX/XX/XXXX Experian completed the dispute and found no duplicates. At this point I added " additional information '' to the report with a screenshot of the duplicate loans showing XXXX loans matching the XXXX XXXX loans that no longer exist. The dispute was re-opened/a new dispute was opened. XX/XX/XXXX the dispute was completed. In the results it says the XXXX loans were " Updated '' and the XXXX were processed. The XXXX loans are still on my account, giving my total student loans debt approximately over {$13000.00} more than what I owe.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-06
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. (GA)

There's an address that's on my credit report I never resided at nor received any mail. The address is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I'm requesting to have this address removed being that I've never been associated with. The information is inaccurate and need to be removed from my files immediately.