davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-16
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. (OH)

I was in a mortgage forebearance with XXXX XXXX XXXX XXXX and the forebearance ended XX/XX/XXXX. I started a loan refinance XX/XX/2020 which took the bank 3 months to close and they charged me an extenstion fee as well as now noting on my credit file that I was 5 months past due. My refinance was approved and closed in XXXX with a new loan with the same bank. Now my credit report shows 5 months and over 120 days past due. How can they do that. I have disputed and contacted the bank on their mistake. I was never late on my Mortgage before the cares act forbearance due to the loss of my job due to the XXXX XXXX I worked for didn't want to due all the covid updates and retired. The XXXX XXXX XXXX XXXX suggested to me to do a forbearance per XXXX in collections and told me NOT to make any payments during the forbearance. I paid full month payments on time for XX/XX/2020 and XXXX until the loan closed. I am so frustrated with the mistakes and no positive action from XXXX. Please help
Consumer complaint received 2020-11-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

on XX/XX/2020, i mailed transunion a letter because i saw inaccuracies on my credit report. I asked them to verify the account as I read that they are required to do so by law. it has 3 months and I still haven't received any correspondence from them.
Consumer complaint received 2020-10-08
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. (CO)

I have reached out to Experian in regards to an account listed on my credit report requesting validation that this debt is in fact mine. Experian claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to Experian seeking proof of this debt : Experian XX/XX/2020, XX/XX/2020, XX/XX/2020 Experian continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. 
The account number is XXXX ( {$2300.00} )
Consumer complaint received 2020-03-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Arete Financial Group (MD)

Arete Financial Freedom, XXXX XXXX Student Loans Specialist, XXXX XXXX exit XXXX, contacted me in XX/XX/2018 concerning my student loans. Ms. XXXX convinced me to let her company help me repay my students loans and the payments would be cheaper than what I was paying. I accepted her services and set-up auto payments with her company for monthly auto payments of {$40.00}. Everything was going along fine so I thought until I start receiving correspondence from XXXX XXXX stating I was behind in my payments? I had no idea what they was referring because my loan was with Arete Financial Freedom. I tried to contact Arete Financial Freedom and received a recording saying the number was on longer working? I would like to find out what happen to this company and where did all my payments go. I still have a student loan for the same amount? Is there anyway I can get my payments back and apply them to my loan?
Consumer complaint received 2020-03-05
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. (CA)

I was trying to buy a car at XXXX and when they ran my credit to see what banks I qualified to get a loan from, I was told that no bank was able to approve me for a loan because there are more than five accounts in negative standing appearing on my credit report. The accounts are from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I did not open any of those accounts with these companies and I did not allow anyone else to open those accounts in my name using my information. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I never made any payments towards any of these accounts.
Consumer complaint received 2021-10-17
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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2020-10-27
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: Experian Information Solutions Inc. (NE)

I sent out dispute letters to challenge what was on my credit report they take more than 30days to come back with information and also they have so many different things on my credit report that isnt me I never applied for a loan from XXXX  XXXX
Consumer complaint received 2021-01-16
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: Velocity Portfolio Group (TX)

XXXX is reporting cks prime investments in my credit report as a charge off account with XXXX XXXX XXXX. And I have asked them to investigate this item and send me proof of this account and they have not sent me proof but told me that account was verified. And have not sent me proof of the account.
Consumer complaint received 2020-03-05
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 was trying to buy a car at XXXX and when they ran my credit to see what banks I qualified to get a loan from, I was told that no bank was able to approve me for a loan because there are more than five accounts in negative standing appearing on my credit report. The accounts are from XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX  XXXX, and XXXX XXXX. I did not open any of those accounts with these companies and I did not allow anyone else to open those accounts in my name using my information. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I never made any payments towards any of these accounts.
Consumer complaint received 2020-03-05
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)

There are several accounts reporting on my credit file either in error or result of identity theft. Please assist me in getting these accounts and unauthorized inquiries removed from my credit file. I did not authorize anyone to apply for or open any accounts using m personal information. Please see the attached Identity Theft Form. 

The following accounts does not belong to me : XXXX   XXXX XXXX XXXX XXXX/XXXX  XXXX  INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2020-03-05
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. (CT)

XXXX, Transunion and XXXX are reporting g incorrect information on my credit report regarding XXXX XXXX/XXXX XXXX XXXXXXXX this debt is being report as a charge off and late when it was discharged in my Bankruptcy Chapter XXXX
Consumer complaint received 2020-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

XXXX closed my account in XXXX of 2017. They did not tell me the account was closed and continued to report that I was missing payments on a closed account when I was actually making payments. When I called to ask why my account was reported as a closed account on my credit report, they lied to me and told me that it was open. It wasn't until I spoke with the dispute team that I was informed that the account was in fact closed. They also misappropriated a payment and redistributed it as miscellaneous funds. ( They initially denied this and said that my bank had taken the payment back. I pointed the information out to them when I got a copy of my payment report from them ). I would like them to remove the missed payments that are reported after they closed the account in XXXX of 2017.
Consumer complaint received 2020-03-05
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)

As of today XX/XX/2020 XXXX XXXX is still incorrectly reporting that I have an outstanding balance of {$1100.00}. This balance was paid in full.
Consumer complaint received 2020-10-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Credit Recovery, Inc. (LA)

i sent my 2nd letter to southern credit recovery on XX/XX/2020, they did not respond to my first letter from XXXX XXXX, and it is not marked as disputed on XXXX as has been over the 30 days allowed by law.so i am asking it be deleted before i consult with an Attorney.
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (CA)

Account had an active dispute on file for one in which multiple reps stated they could not attempt to collect money for said dispute but yet they continued to bill and call Then in the process of a collection call I requested covid coverage they advised the minimum was reset to {$0.00} due for the months of XXXX and XX/XX/2020 Additionally I paid the card in full mind you it is closed account and the balance was only {$230.00} I paid it off in XXXX one of the months they are reporting as well if I can afford to pay the {$230.00} clearly the {$20.00} wasnt an issue I set the arrangement much like everyone else out of growing concern for what the future held at the time given all of the uncertainty I trusted their service as prior to this point things went relatively smooth and it could very well be just an oversight but it was one of great inconvenience and greater cost to me as a customer of 8 years in positive standing they not only cost me several closed credit lines but theyve insulted me in every way since from multiple departments including the office of the President At one point credit report said 120+ days past due including months after paid off I advised them of this they said that never happen so I had to send a copy then I advised of the calls they said that never happened so I sent the logs then they said oh well we had already listening to those calls but then today they said they dont have any recordings and they were outbound calls that were lent recorded so Id say a few mix ups haha
Consumer complaint received 2020-11-13
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. (TN)

On theee occasions by certified mail I requested u see 606 that I be provided with proof and method of verification on several accounts because these accounts were verified with NO investigation no information was corrected or changed even the status date was years before the dispute. Further, they provided no proof of method of verification. They lied about verifying information andrefused to delete after missing the 15 day deadline. The rules say that they must delete accounts they do not provide proof of verification and they refused and ignored me.
Consumer complaint received 2020-11-15
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Chime Financial Inc (IL)

Hello so Ive recently had a chime account for a couple of months Ive recently received my disaster fund from Arizona chime closed my account because they said they detected fraud Ive sent them documents Ive even sent them a picture of my self to let them know this is not fraud and customer service still havent looked at my documents they take forever to respond I have to contact them and then all they tell me is they cant give me any information about my account I just wan na get access to my money me and my family are going through a rough time we are XXXX  that money from the disaster is suppose to help us until we can figure out were to go please can you guys help me get my account back open I really need that money they are also holding my direct deposit from my unemployment
Consumer complaint received 2020-11-13
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.
Consumer complaint received 2020-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX  XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX  XXXX. XXXX  XXXX XXXX, TX XXXX TRANSUNION XXXX. XXXX  XXXX  XXXX, PA XXXX 1. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 

2. The following account is not mine U S DEPT OF ED/XXXX Account Number : XXXX Please remove it from my credit report. 
3. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report 4. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report 5. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report 6. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report 7. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report 8. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report 9. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report 10. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report I filed a dispute regarding my credit report. It has been well over thirty days. I still have not heard the results of their investigation.
Consumer complaint received 2020-11-15
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. (MS)

on XX/XX/2020, I mailed a letter requesting verification of inaccurate accounts listed on my credit report. I never received a response. On XX/XX/2020, I sent another letter. it has been 6 months and I still haven't gotten a response and this inaccurate accounts are still on my credit report.
Consumer complaint received 2020-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Back in XXXX fraudulent charges were made to my account. I called Capital one and explained I did not make these charges. They opened a fraud investigation my money was returned however they are claiming the merchant refunded me as well which they did not. The so called merchant was using XXXX as a cover for their activity. Now here it is XXXX and the bank took two withdrawals in the amount if XXXX and after some debating will not put it back. They treated me like I was doing something wrong and now I feel my money is no longer safe with Capital one 360
Consumer complaint received 2020-11-15
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- STUDENT ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-11-16
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I lost my wallet in XXXX, Ga ( XXXX XXXX ) in XXXX, and a couple of years later I began receiving calls about delinquent accounts which I had no responsibility for. So I filed a police report in XXXX County Georgia in XXXX Case # XXXX. After submitting the police report to all the creditors who had been contacting me it seemed all was corrected and updated except with a collection agency who every year renewed a collection to my XXXX credit report. I've contacted them and explained the account isn't mine and requested that they send anything whereby I'd signed and obligated myself to the collection account only not to receive anything. The collection company has submitted copies of payment schedules, but no legitimate copy of any kind whereby I've signed to obligate myself to the account in question. The collection company name is Portfolio Recovery Associates, however, it appears that the company has used several versions of names over the years perhaps in order to resubmit the collection account. I've since learned that the attorney general 's office claims that the Virginia-based company Portfolio Recovery Associates violated the state 's consumer protection laws. Thanks!
Consumer complaint received 2020-11-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

A credit card collection was send to my XXXX credit report by LVNV Funding LLC from XXXX XXXX XXXX XXXX  for {$680.00} I found the collection company number on my XXXX report and I called and spoke to a representative on Saturday XXXX  requesting an explanation, but the representative couldnt give any because she couldnt find a file with my information social security or phone number therefore she told me to contact XXXX and I did on Monday XXXX the representative advised me to follow the present report