davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-23
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. (LA)

Hello, I have contacted companies on my credit report that you ( XXXX equifax, XXXX ) has said to say the debt was validated. Well within one day of filling a complaint with XXXX XXXX its ironic they closed the account. Per FCRA you as credit reporting agencies should really investigate and make sure when they send you these automatic validations claiming that they are in deed a consumes debt that in deed they are valid, Like for instance a contract, drivers license and a signature. Its frustrating because me as the consumer has been through XXXX and back with XXXX just to say, they have said they validated everything when in fact have not. I have sent the same disput letter as I have to XXXX and equifax when they investigated they removed and corrected debts not owed by me. XXXX  you did nothing but send me a credit report and said from findings in previous months its the same meaning you didnt even try the second time to investigate!!!! I wrote a complaint on consumer finance.gov where you stated again that you investigated and these alleged debts were mines. Well here is proof you didnt. Please delete XXXX XXXX from my file as there are many more to come your way XXXX Thanks equifax and XXXX for doing your job and please delete XXXX XXXX from your files as well. 

XXXX XXXX XXXX
Consumer complaint received 2021-11-30
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. (LA)

I mailed in a copy of my FTC report showing fraud on several accounts. I submitted the FTC report to all three bureaus ( XXXX, XXXX, Transunion ) and none of the accounts have been removed or updated from my current credit reports. They are in direct violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Consumer complaint received 2018-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MS)

I am presently trying to lift freeze with the three credit bureaus. Everyone I speak to is a foreign. I can not UNDERSTAND what they are saying. I ask for someone that speaks XXXX and I get another foreign person. This is ridiculous!! I began by answering security questions about my prior employment so I could lift freeze. I was given 5 answers to choose 2 from. Only 1 was where I worked. The other 4 were - 1 was my medical insurance company that I have, 1 was a credit card that I had, 1 was a debt consolidation company I used, and 1 was a company that I did business with. What gives? Because I didn't choose one from the other four answers I will have to mail in letter with a personal info. There is definitely a problem with the credit bureaus and someone should address it. My credit report has a freeze because someone compromised my account. In 2016, I had {$16000.00} of charges racked up on my account that luckily my bank caught then Equifax said my credit report was compromised. If they are so great then how the XXXX did all my info get compromised!!!. Now they worry about keeping it secure. The saying is don't close the gate after horse gets out. Hope that this sort of thing gets corrected. I am DISGUSTED with how people 's personal information is stolen and there is nothing you can do about it. I'll try an attorney next.
Consumer complaint received 2018-08-10
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. (NV)

I am waiting for delinquent payments to drop off credit reports. From information provided on my credit report which I downloaded XX/XX/XXXX, it was indicated on Transunion that delinquent payments would be removed XX/XX/XXXX. I had a short sale and account was deemed delinquent XX/XX/XXXX. I called to speak with Transunion representative who told me it would not be removed until XX/XX/XXXX. He could not tell me why there was a discrepancy and indicated what I had provided to me was inaccurate. I called XXXX with the same question and they agreed it should be removed in XX/XX/XXXX. I would like the problem with Transunion rectified.
Consumer complaint received 2018-06-27
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. (PA)

Through XXXX XXXX I found a Hard Inquiry on XX/XX/2018 from XXXX XXXX XXXX XXXX. It is located in XXXX Florida XXXX ( # ( XXXX ) XXXX ). I contacted them and they said they have never had an application or an account with me. They also claimed that this is a known " glitch '' through XXXX XXXX and TransUnion. 

After more research I tracked down this also has to do with XXXX XXXX. I contacted them ( XXXX ) XXXX ) and talked to XXXX ( employee number XXXX ). She also said I have never applied or have any account through them and said I should contact TransUnion and file a complaint. After attempting to contact TransUnion they said I have to mail a written letter of the complaint and it will take 30-45 days to receive a response. 

After more research I found many people with this exact same problem and being run in circles between XXXX, XXXX XXXX, and TransUnion for months. After finding many more complaints of this exact same issue I found blogs saying to contact CFPB to get the problem taken care of. That is why I am here and would like this Hard Inquiry removed from my Credit reports.
Consumer complaint received 2018-06-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Direct Recovery Services, LLC (OH)

I got a call yesterday from a Direct Recovery Services stating that I owe {$3900.00}, and I had 2 days to resolve this account they didn't state would happen after this but said the file was already audited. I am not sure what this pertains to I have never received any information regarding this company or who the original debt is with.
Consumer complaint received 2018-06-15
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. (TX)

I have disputed an XXXX XXXX account # XXXX. This account was a fraudulent account due to identity theft. I have file a police report and have mail it certified mail to XXXX. I have also called multiple times about this fraudulent account. They have remove the account initially, but now the account has later been reported back on my credit file.
Consumer complaint received 2018-06-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XXXX XXXX received my dispute letter on the following dates according to returned receipts : XX/XX/2018, XX/XX/2018, XX/XX/2018. 

XXXX XXXX continues to report unverified accounts and inaccurate information. 

XXXX XXXX has not provided this consumer with the information of How these accounts were verified as accurate by virtue of proper documentation containing my signature binding me any these negative accounts and debts owed. 

XXXX XXXX is Now is violation of the FCRA and continues to be in noncompliance.
Consumer complaint received 2018-06-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX I sent a certified dispute to this bureau about a closed old account labeled XX/XX/XXXX XXXX and an unknown account with no viability or descriptions ; XXXX California # XXXX. 

XXXX California is not verifiable, valid or an actual account. I never owed the state or city {$88.00} and I have no outstanding debt and never have before. What is this? Remove it please. 

So, basically the dates are not right for XX/XX/XXXX and I would like the bureau to delete the account completely considering the delinquencies are actually from XXXX but for some reason were not reported until XXXX. Delinquencies were not from XXXX. The card was already closed in XXXX. Considering I have not heard back from them in already over 30 days I would like to just have it deleted for an accurate report and abide by FCRA law 605 15 U.S.C. section 1681 ( c ). 

Also, a major concern I have, Still I noticed that the item is not appearing as disputed so that I know at least that they are investigating this and that has violated FCRA 605 15 U.S.C section 1681 ( f ). No indication of dispute present.
Consumer complaint received 2024-10-18
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: Experian Information Solutions Inc. (PA)

Experian FAILED to provide the information that I requested after my dispute was verified regarding my dispute pertaining to CFPB # XXXX. Today I received the results from experian and their agency failed to send the information within 15 Days and I am a federally protected consumer that has a right to pursue monetary compensation because experian did not send me the specific information that I requested regarding XXXX XXXX XXXX XXXX bank totally ignored the fact that they did NOT provide any PROOF that they did not exceed conducting their investigation regarding my dispute that I submitted via CFPB # XXXX on XX/XX/year> was received by experian on XX/XX/year> and did not receive results via CFPB Portal until XX/XX/year> that is in violation of FCRA 611 and more than 45 days. I demanded deletion due to this violation and now find Experian to be in violation again because they violated 15 USC 1681i ( 6 ) ( B ) ( iii ) and 15 USC 1681i ( 7 ) that I requested specific information in accordance with these statutes. I requested the procedures that were used that led to my dispute to be verified.I also requested the name ( s ) of the person ( s ) that experian spoke to along with their telephone number ( s ) and address.

I should by law received this information and experian sent me NOTHING that even remotely resembles what the law requires. Additionally, experian FAILED to send me this information which also places me in a position to receive monetary compensation due to their untimely reponse again. I am pleading with the CFPB to provide me monetary compensation and removal of XXXX # XXXX.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2023-10-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (FL)

I applied for the SAVE program and was granted a reprieve from paying my loan for one year. However, all of the emails and advertising says that your payments will be {$0.00} and while they are, interest continues to accrue at my previous interest levels. So, if I don't pay anything I will rack up thousands of dollars in interest over the course of the year only digging myself further into a hole when I'm already in a hole as my acceptance to the SAVE program can attest. When I try to contact Mohela about the interest accrual, you can't actually talk to anyone. You can't email, the system will send you to FAQs pages and if you try to call them you'll be on hold for hours which just isn't feasible. They are not meeting their contractual obligations with the DOE and the SAVE program is preying upon the most vulnerable of borrowers setting them up for financial ruin by saying they don't have to pay anything when in fact they are accruing massive amounts of interest and will be in severe financial distress if they pay {$0.00} for the next year. When I attempted to pay my interest on XXXX  Mohela put it towards principal, so I still accrued more interest which then gets added to my principal and I'm stuck in a never ending loop.
Consumer complaint received 2018-06-27
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. (FL)

I ask you to do an investigation to the Experian credit company, I have been disputing the erroneous information that they are publicly exposing in a credit report for more than a year, and previously you asked them to demonstrate the reason for this information and they have not presented any legal document that supports this erroneous information. 

I have not authorized this company to disseminate, expose, publish or give my information to anyone, there is no legal document that I have signed between them and myself, so I do not see why they can disseminate my personal wrong information where my record, reputation and prestige are damaged, where there is a law that a company can manipulate personal information for profit to increase sales and credit interests for the economic benefit of others, this is unjustifiable, abusive and illegal, so I demand that this dispute for account information from XXXX " US DEPT OF ED / XXXX  '' # XXXX, be removed from the negative record and, I've never had a delay or ever stop paying there is no reason to have it in collection and delinquency. 

Experian has never presented me with any document or proof, the name of the judge, court, address, and telephone number of each person contacted regarding this alleged account. Have an information inaccurate or incomplete items in a credit history have serious consequences. They do not value the repercussion that brings a disinformation that destroys the prestige of a person, they do not give me work or monetary loans for this error that they are discarding. 
I am presented for more than a year the original documents of the company involved in the problem where it says explicitly that I have no debts and that my account was paid in full, and that I have no debt.
Consumer complaint received 2018-04-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (CA)

I purchased a phone from XXXX XXXX with XXXX XXXX XXXX  provider. I purchased onXX/XX/XXXX and XXXX XXXX XXXX could not transfer my old phone number onto the new purchased phone, so being unsatisfied I returned the phone to XXXX  on XX/XX/XXXX, 8 days later. I was given a receipt that I was fully refunded and the account was cancelled since I did not use the phone only to activate. XXXX XXXX XXXX XXXX XXXX   started sending me computer generated bills stating I owed them for over {$600.00}. Then XXXX revised bill and continue to state that I owed {$100.00}. I am now receiving debt collection threat letters. I have visited and called XXXX XXXX XXXX  provider stores trying to resolve this. I went back to XXXX  in XXXX XXXX, CA that the phone was indeed returned within 14 days and a full refund was issued. XXXX XXXX XXXX has now discredit me by placing a collection debt on my credit reports. After calling XXXX XXXX XXXX for the 4th time and explaining and giving receipt info, XXXX XXXX XXXX  still refused to stop discrediting my credit reports with a negative rating. Please see attached documents showing proof I do not owe {$100.00}. XXXX XXXX XXXX is misleading the consumer and practicing unauthorized accounting practices, by charging a consumer for unfair fee charges. CFPB needs to have this audit/investigate so they don't continue to overcharge consumers. As a consumer, XXXX XXXX XXXX failed to transfer my old phone number which had all my business contacts then consumer, I, did return the phone within 8 days. XXXX was trying to force me to purchase another phone number and I did not want that for my business established with my old phone number. After speaking to a few XXXX XXXX XXXX  customer reps, I was told this account would be closed and no monies owed. I asked for a confirmation email and a letter in writing. XXXX XXXX XXXX customer service stated that everything was removed and they could not send me a letter or email. This is unfair to the consumer. I told them I was a senior and wanted to keep my credit update and in a positive reporting status. I was told again that, not to worry that they noted everything on the account and it was fine. I feel that XXXX XXXX XXXX took advantage of me as a senior and I also believe they are bias in the their customer service. The 5th time I called to complain that I continued to get not only bills from XXXX XXXX XXXX  but not a collection agency. I was met with a very rude customer service who said I was not understanding or listening that I don't need to do anything, because everything was removed and closed! All of the conversations, I asked for an ID or name and was never given one. I was constantly transferred and put on hold for over an hour. XXXX XXXX XXXX does not care about the consumer, only to gouge money out of seniors and make them pay for overcharged fees!
Consumer complaint received 2017-12-27
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)

A bankruptcy chapter XXXX was filed and discharged since XXXX XXXX XXXX and still showing in my credit report. 
As a chapter XXXX should be out of my report in seven year, as XXXX XXXX.
Consumer complaint received 2018-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synerprise Consulting Services, Inc. (TX)

Im writing this complaint is regarding a collection that has been added to my credit and I have been working with a representation name XXXX since XXXX. This is so unfair. I been provided wrong information and now this is effecting my life. Your company has added this collection to my account wrongfully. I have been working with XXXX since XXXX faithful every month. I would also like to point out that XXXX is a wonderful friendly person as well but I was advised that as long as I made a payment of the {$15.00} every month that the account wouldnt be added to my credit. When I seen it was reported on XX/XX/2018, I contacted XXXX and the only thing she could do was apologize to me. There were thing she told me that was the first time I heard any of them. We have spoken almost every single month since this was reported to your office. If I call and XXXX isnt available, I wait to talk to her because I love working with her. We have built a strong relationship. This collection has dropped my credit 40 point on XXXX, 25 on XXXX and Im not sure of XXXX because it hasnt been updated yet. I have held up my end of the agreement with XXXX to pay this balance and it isnt fair or right that your company isnt holding up theirs. Just like your company expects for a client to keep their word when they make promises to pay. Your company should keep the same trust to the client. The only thing I have had to go by was the word of your employee. I trusted your companys employee word. This account needs to be removed from my credit at once.
Consumer complaint received 2018-06-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MB FINANCIAL, INC. (PA)

We were notified in XXXX that we were in danger of facing foreclosure and that we had to act on the Act 91 Notice that they forwarded to us on XX/XX/2018. We contacted XXXX XXXX XXXX to help us complete a HEMAP application and complete the Hardship Package we were sent. Since then with the assistance of XXXX, HUD/FHA and NACA we have submitted 5 Hardship Applications all of which except for the very last one submitted yesterday have be summarily rejected for one flaw or another. We have been served Foreclosure Notice and are afraid that while we are in the process of waiting for a response from the Mortgage Company regarding our latest RMA/Hardship Application that our house will be sold out from under us.
Consumer complaint received 2023-02-17
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.