davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-18
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (LA)

Hello, Consumer Protection Agency I am having trouble getting these accts closed from my Credit report, I no longer have these Credit Cards and I no longer have any dealings with this lender for these cards : I did use them in the past and I paid them off without any problem and I just want them deleted from my Credit Report, every year I have checked my Credit report and they are still showing on there. I know after 7 years all account accurate or not should be deleted. I called this company ( XXXX XXXX ) and asked them why are they still putting these accts bank on my Credit report and then they told me to contact the Credit report Agency in which I did. Every time I am getting the run around, going back and forth about who should take these old Credit cards off of my Report. These are the Accounts : # XXXX ( 1 ).  XXXX opened XX/XX/XXXX closed XX/XX/XXXX paid off Reported again on my credit report in XX/XX/XXXX and XX/XX/XXXX ( 2 ). Acct- XXXX XXXX XXXX XXXX opened XX/XX/XXXX- closed XX/XX/XXXX( reported again ) ( XX/XX/XXXX- XX/XX/XXXX( 3 ). XXXX  -Acct XXXX opened-XX/XX/XXXX closed Reported XX/XX/XXXX-XX/XX/XXXX ( 4 ). XXXX Acct XXXX-opened XX/XX/XXXX report again XX/XX/XXXX-XX/XX/XXXX 5. XXXX XXXX-opened XX/XX/XXXX closed XX/XX/XXXXreported again on XX/XX/XXXX ( 6 ). XXXX XXXX was opened but I never used the card XX/XX/XXXX reported again in XX/XX/XXXX ( 7 ) XXXX-opened XX/XX/XXXX and the last one XXXX XXXX-opened XX/XX/XXXX Reported in XX/XX/XXXX XXXX XXXX XXXX -opened XX/XX/XXXX -reported again -XX/XX/XXXX The only thing I want is for them to be taken off because they are paid off and I no longer have these cards. I don't want them to keep reporting because they will never get taken off because it pushes the years back each time they report them. 
This is wrong and unfair. Please, help me get these accts deleted from my credit report, this is all I am asking. I paid them very well and I don't understand their logic in reporting them over and over.
Consumer complaint received 2019-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ASTA FUNDING INC. (MI)

The debt collection agency is name XXXX XXXX XXXX, who also hired another company name XXXX XXXX XXXX XXXX XXXX. The companies are trying to collect money from me for a account with XXXX XXXX XXXX XXXX which I do not have. The collection companies can not and have not provided me with documentation of this account. I contacted XXXX XXXX XXXX XXXXXXXX about this matter, which I am a current customer and have been for awhile and was told I have no past due or a old account with them. The collection company has sent me court papers trying to collect money from bank accounts and other means. They also sent me a thing full of papers asking for copies of private information that I am not going to send them. I have contacted this company a few times about this matter and still yet havent been resolved.
Consumer complaint received 2019-04-16
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. (CA)

one BANKRUPTCY CHAPTER XXXX case number XXXX date filed XX/XX/2017, was reporting under my name, with experian credit reporting agency, i disputed and since it was not accurate information belonging to me was removed and after one week this inaccuracy was placed back under experian again. i have disputed and they are not being helpful at all, they just disputed again but i was not able to have that removed. 
i will be attaching my documents which i provided to experian and all the three bureaus. they all have removed this inaccuracy at once. please have experian also removed this inaccuracy as son as possible. i XXXX and found out that you will be able to help me in this matter. 
thank you for your cooperation
Consumer complaint received 2019-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Ive been a capitol one customer for decades and I made my payments on time and never been late or had any past due amounts and sending larger payments so I can have a better credit score ....  few months ago around XX/XX/2019 capital one ended there relationship with me because they were telling me that I opened up too many disputes under my credit card some of the disputes were open up without my permission and most of them were done by my guardians and my wife and I was out of town and capital one will not re-open my account and revoke my credit card and I lost 60 points off my credit score I was very disappointed and sad capital one was my first credit card and the best bank and they let me down and I dont want to re-apply Im willing to talk to them and work out a deal to restore a credit card relationship with capital one ... ..
Consumer complaint received 2019-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Specialized Loan Servicing Holdings LLC (NC)

Under the FDCPA Section 807 ( 8 ) : XXXX XXXX XXXX XXXX, Specialized Loan Servicing ( SLS ), 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 c/o XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ALL have failed to report a disputed debt to the credit bureaus.
Consumer complaint received 2019-04-17
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)

I recently filed an Identity Theft complaint with the FTC. I subsequently forwarded that filing along with items that were a part of the identity theft. Although following all procedures, there is still an inaccurate tradeline reporting on my credit file. XXXX XXXX is a result of Identity Theft. This tradeline WAS INCLUDED in my original FTC filing.
Consumer complaint received 2019-04-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (OK)

I opened a credit card with XXXX XXXX in XXXX and used it intermittently over the years. I hadn't used my XXXX XXXX card for several years and I shopped their bedding and mattress sale on on XX/XX/XXXX, at which time I made a bedding and mattress purchase that totaled {XXXX}. During my interaction with the sales representative, ( XXXX XXXX ), I informed him that I had a card with XXXX XXXX but, had not used it for several years. He accessed my account information online and stated it was open with a limit amount that would allow me to purchase the bedding and mattress set. The representative ( XXXX XXXX ) finalized the sale and set it up for delivery on XX/XX/XXXX. XXXX XXXX delivered and set up the bedding on XX/XX/XXXX. 
On XX/XX/XXXX, I received an email from my Citi credit monitoring service that stated my FICO credit score had dropped by 35 points. I checked to find what had affected my FICO credit score and found that XXXX XXXX had reported that I overcharged/charged over my credit card limits. I contacted XXXX XXXX    Consumer Credit Department XX/XX/XXXX, XXXX XXXX  at XXXX. Spoke with CSR XXXX. Explained my reason for calling and requested an explanation for their credit report that dropped my FICO credit score by 35 points. She stated there was no supervisor for her to consult and she would have one contact me. I called back XX/XX/XXXX, XXXX XXXX, spoke to XXXX/Supervisor, credit specialist XXXX. He stated there was no penalty for going over card limits with XXXX XXXXXXXX. I informed him that their sales rep ( XXXX XXXX ) had closed the sale and made no mention of going over the card limits. He stated their sales reps can't see credit card limits on their systems. He said they didn't send the report that lowered my FICO credit score and there wasn't anything he or XXXX XXXX could do. There haven't been no other businesses that reported on my FICO credit score, other than XXXX XXXX. I seek your assistance in this matter.
Consumer complaint received 2019-04-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (GA)

I have had my loans in deferment for some time and then was scheduled to start making payments. I was making payments as much as I could but could not keep up with the payments for my XXXX degree when they were as much as my mortgage payment. 

I informed Navient that I was going back to school for the XXXX XXXX and they said I could defer the payments if my classes started before XX/XX/2018. I cant control when the classes start and it was conveniently too late to defer payments when the classes actually started. Navient offered to lower payments but would only do it if I provided my bank/credit card information to them so they could automatically withdraw payments. After learning of their lawsuit I was not comfortable with doing this. Now they have my loans in my credit report as a charge off and on a monthly basis report it as a late payment.
Consumer complaint received 2019-04-18
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 — Problem with personal statement of dispute
Company: NCC Business Services, Inc. (TX)

I moved into XXXX XXXX, XXXX, Tx, XXXX of XXXX me and my girls XXXX and XXXX loved it there. I never not once was late paying my rent all the way up to being made to move out in XXXX of XXXX by a landlord XXXX XXXX. She claims that when I moved out that I left {$1600.00} damage to the apartment and that's a LIE, I was on a low rent program and I wouldn't have done anything like that to get me throw off the program. I did turn her into the XXXX XXXX   XXXX and they came out and after that she gotten mad at me and wrote me up and wouldn't renewal my lease so I had to move out and I did but I didn't do anything to damage that apartment I promise. By her lying on me and damaging my credit report I haven't been able to rent a place of my own for 3 years now me and girls having to stay where we can place to place with family and friends and it is not fair for one woman to have that much power to keep me from having a place to call home. She mistreated a lot old people out there and still work there and the company just don't understand or care one or the other. But all I want is for this to be resolved and removed from my credit report so I can get a place to call home. Thank you in advance.
Consumer complaint received 2019-04-17
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. (FL)

After sending information to verify myself with my disputes, I sent a follow-up dispute ( XX/XX/2018 ) by means of a XXXX XXXX XXXX, Transunion has failed to respond. They have violated the FCRA in that it has been more than 30-days. Please see items below COLLECTIONS XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX  XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (UT)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of $ ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-04
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. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-04-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Unified Lending Inc. (UT)

Unified Lending Inc. located at XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX UT XXXX, sent an advertisement to me which was intentionally designed to look like it came from my mortgage lender. The flyer references my lender and my account number in bold type, which is confusing to consumers and deceptive. This type of advertising is specifically prohibited by Regulation N 1014.3 ( o ) " The source of any commercial communication, including but not limited to misrepresentations that a commercial communication is made by or on behalf of the consumer 's current mortgage lender or servicer ; ''. The advertisement also violates UDAAP. I have attached the advertisement and strongly suggest that this type of marketing by Unified Lending Inc. immediately cease.
Consumer complaint received 2019-04-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (PA)

7 yrs ago I tried to apply for a loan modification to lower my 7 % rate. Wells Fargo ignored me. I hired an atty which one would not have to hire if dealing w/a reputable consumer-friendly bank. They stonewalled the atty, sent inappropriate form letters & told him I should have applied sooner. He told them I had. The fact that they only sent letters after his intervention proved you need an atty. They received interoffice emails from a XXXX banking officer throughout XX/XX/XXXX into XX/XX/XXXX. They have no knowledge of those contacts either ( definite pattern ). They foreclosed despite my filing XXXX XXXX ( 3rd attempt w/out prejudice ) & foreclosed. Based on their " promise to have an independent party investigate '' ( that would be the CFPB ) and the " creation of the Office of Ethics '', which was a total lie, and " commitment to make things right by appointing appropriate officials '' have all been denied by the customer service team who has no authority to settle this case.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACS Education Services (TX)

I have a total of 5 university loans that were serviced by my previous loan servicer, Conduent, which has now turned all my loans to XXXX. I looked at my credit record and say that they reported late payments in XXXX and XX/XX/XXXX, which is not true. I have been paying my loans since XXXX with no late payments. I didn't receive anything regarding late payments in the mail either. There is no working number or email associated with Conduent anymore as it says it has been decommissioned. It seems like online there are multiple borrowers that are in the same situation as me where payments were not applied correctly. I have the ability to pay off all the loans entirely so it is frustrating that they reported deliquent payments against me.
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My XXXX  XXXX and XXXX XXXX accounts are reporting inaccurately 1. XXXX XXXX account # XXXX reporting a balance of {$960.00}. the actual balance is {$810.00} and its reporting a 30 days late payment for XX/XX/2019. I have never been late at anytime with this account and need this corrected as I am in the process of buying my very first house. 

2. XXXX XXXX account is reporting a wring balance of {$180.00}. I have a XXXX balance
Consumer complaint received 2019-04-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (NV)

This Company is reporting a debt for {$450.00} on my credit report. 
On XX/XX/2019 i sent USPS certified Debt Validation Letter ( see the letter attached ). 
Shortly after On XX/XX/XXXX they responded to my Debt Validation Letter with nothing that qualifies as Debt Validation Under FCRA and FDCPA. 
on XX/XX/2019 i have sent my second usps certified letter requesting them to remove this debt from my credit report as they failed to validate this. 
As of this date this is still being reported with credit bureaus in violation of FCRA and FDCPA. 

Please see all mentioned letters/paperwork including usps receipts regarding this matter attached
Consumer complaint received 2019-04-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (GA)

I have asked Wells Fargo bank to add my husband as a authorize person on my account since XXXX of XX/XX/XXXX. I have sent a notarized power attorney several times. I want to know in writing why my husband can't be added. My husband have been a authorized person on this account since XXXX 

Also I want to know about my loan modification, I applied for a loan modification back inXX/XX/XXXX I have been asking what documents do Wells Fargo need to complete the process. As of today I have not receive a clear answer. I have asked for a settlement offer on the account, still no clear answer. 
I have asked that the executive office of the president to get involved still no answer. I have had at least 10 people from the office of the president to contact me with no answer. 
I am asking Wells Fargo to Put in writing why I can't add my husband as a authorized person on my loan? Why I don't qualify for a loan modification? Why I am been pressed to do a short sale which will only benefit Wells Fargo? Also why we can't negotiate a settlement on this account? Also why you have contact my place of employment without my permission. A no contact letter have been on file since the origination of this loan. Wells Fargo is using unethical and miss leading practices to steal my home.
Consumer complaint received 2019-04-16
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. (TX)

On XX/XX/2019, I logged into my credit monitoring accounts to review my credit reports so I can apply for a loan in the near future. I noticed with Transunion there are several unauthorized Inquiries that I did not perform on my own credit. I upgraded my credit monitoring membership and locked my credit reports with XXXX XXXX to block any further unauthorized activity. I wrote handwritten letters to each unauthorized credit inquiry and have not received any response from their agencies. On XX/XX/2019, I wrote to Transunion advising of this issue with the creditors and have the tracking numbers for it to monitor. TU Tracking : XXXX, they received it on XX/XX/19 and per the Fair Credit Reporting Act, they have 30 days to investigate and/or block and delete the disputed inquiries. It is now XX/XX/19 and I paid {$29.00} to refresh my credit reports with my credit monitoring account and have had ZERO unauthorized inquiries removed. I am filing a complaint because I know my rights as a consumer and can not become a victim to the amount of time it takes to fix countless issues on my credit reports.