davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-09
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. (CA)

XXXX XX/XX/19 XXXX XXXX sold my loan to XXXX XXXX XXXX. They no longer own the debt, or have the legal right to collect on it or report ownership of it to the credit bureaus. I disputed ownership of the account with Experian and they certified on XXXX that they owned the account, the account was past due and that my claim that they didnt own the debt was false.
Consumer complaint received 2024-09-25
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. (IL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2019-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed the government loan accounts with the credit bureau for several attempts, to no avail. These accounts should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report.. CFPB please do something to fix this up.. XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX   XXXX, XXXX-XXXX  XXXX,
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

After disputing the validity of the debt XXXX XXXX with Account # XXXX says I owe them on the behalf of XXXX  XXXX XXXX XXXX. Sent me a letter stating they would be removing the debt from my report. I have not seen the debt removed and I am requesting that it is removed IMMEDIATELY!. I have attached the letter to validate and expedite the process.
Consumer complaint received 2019-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (CA)

Comenity bank/XXXX is reported to my credit report that in XX/XX/XXXX I was recording 30 days past due. I sent my payments via online banking system before due dates which didnt process until a few days later on XXXX of XXXX $ XXXX of XXXX $ and XX/XX/XXXX of XXXX XXXX The bank is Not reporting my payment history accurately. I wrote them a letter and they responded saying that they can not change that that reporting information.
Consumer complaint received 2024-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have previously contacted you in regards to credit cards that were opened in my name due to identity theft. You stated that your investigation shows this is my account due to a fraudulent address, phone number and email. ( XXXX XXXX XXXX XXXX, XXXX, XXXX. ) which were all included with the identity theft report submitted and the signed affidavit. Furthermore, why would you deem one as fraud and not the other. I have made it clear to this company that my identity was stolen and several accounts were opened in my name including checking accounts, emails, addresses, phones, vehicle loans, personal loans, etc. I have never called about any card with this company accept for the fraud investigation department, so you have never spoke with me in regards to verifying anything.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

The day after filing CFPB complaint XXXX, I received a call from Select Portfolios indicating that my account had been sent to the attorneys for legal action and forclosure. 

This action by Select Portfolios is in retaliation and has been conducted with malice for my filing a formal complaint with the CFPB.
Consumer complaint received 2024-09-25
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. (CA)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off and collections. I have tried numerous times to have this situation resolved with no resolutions. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I called TransUnion and spoke with a credit specialist and was advised to mail everything to the XXXX XXXX, PA location because XXXX address will not pick up or will just forward and things will get lost. I was advised on the phone that my report was false and fraud was made by selling information and created a debt.
Consumer complaint received 2019-05-07
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (TX)

They have been reporting this account illegally to my credit report. I have disputed this account through the credit bureaus as well as directly to the XXXX XXXX by certified mail asking to verify this is a valid debt several times and have yet to receive a response from them. Last certified mail sent which I know they received was XX/XX/XXXX and still no response to that one. They are beyond the timeframe to Respond and are in violation of FCRA and FDCPA.
Consumer complaint received 2019-05-08
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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a Bank of America Credit Card where I make a XXXX dollar minimum payment. In XXXX of 2015 I was reported to XXXX as past due/Late. I have made numerous attemps in writing as well as verbally to ask for forgiveness as of said late payment reported. As to Date this blemish is holding down my credit score even though I have had stellar payment history previous to this action with Bank of America as well as thereafter. I want to make it clear that I have stellar payment history and I have been carrying out my obligations effectively.
Consumer complaint received 2019-05-09
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: ALLIANT CREDIT UNION (CT)

Alliant credit union closed my account ( XX/XX/2019 ) but it has been close to a month without sending back my money ( over {$2900.00} ). I can not login online. I called them on the phone and I was told someone would call me back but no one did.
Consumer complaint received 2019-06-04
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: Waypoint Resource Group, LLC (FL)

XXXX XXXX  damage my credit. They claim to give me service on a address that I never live before, XXXX XXXX XXXX XXXX FL XXXX. When I call them to, inf. They have the wrong person they ask me my address, I give them, my address and know they are sending me letters with a balance {$380.00} and opend a bad report in XXXX   credit report. 

Collections are accounts that are seriously overdue and may have been turned over to a collection agency. 

Account Name WAYPOINT RESOURCE GROUXXXX XXXX Creditor XXXX XXXX Open Date XX/XX/2018 Balance {$380.00} Debt {$380.00} Contact Information XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-09-25
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. (CA)

Experian Replied to my initial fraud complaint about the company furnishing information that was fraudulent I then requested the company Experian to produce the steps they took to verify, the said accounts from my original fraud and ftc complaints and I have received a reply XX/XX/year> with a reply being they contacted the original creditors and the accounts disputed have been updated BACK ON XX/XX/XXXX l a Requested that there were Fraudulent negative items appearing on my EXPERIAN CONSUMER credit report in addition to filing a CFPB complaint | ATTACHED an affidavit from the FTC concerning these accounts. 
Instead of honoring the FCRA UNITED STATES CODE FCRA 605B ( 15 U.S. C 1681 c-2 ) Experian Took into their own process of verifying accounts listed under the FTC affidavit and determined these said accounts were Validated and instead of removing these accounts they corrected false information that was previously reported on the EXPERIAN investigation they did not fully investigate all the accounts located on the FTC affidavit only one fraudulently reported account investigated and unlawfully deemed VERIFIED and EXPERIAN returned false information that the other two accounts located on the FTC affidavit were not on my credit report which they are currently reporting these accounts
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing to formally dispute inaccurate information that is being reported on my credit report. 

Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : TN CHILD SUPPORT Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report, and it is only showing on my XXXX account. Please provide evidence of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 

Account Name : TN CHILD SUPPORT Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report, and it is only showing on my TransUnion account. Please provide evidence of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 

I would like to formally dispute the hard inquiries listed on my credit report, as I believe they are fraudulent. Please investigate these entries and take the necessary steps to remove them from my report. 

TRANSUNION 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These items are either inaccurately reported or have already been resolved, and I kindly request a thorough investigation and correction. I have previously contacted both the credit reporting agency and the data furnisher, but the issue persists. I have attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please investigate this matter promptly and update my credit report to reflect accurate information.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

As per the guidance from the XXXX XXXX XXXX XXXX ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking Debt Final Rule XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Experian. Please delete the following accounts : Ally Fincl {$23000.00}, XXXX XXXX {$1100.00}, Rise {$0.00}, Bank XXXX XXXX {$18000.00}, Money Lion {$0.00}, Please Remove all address & Update with my home address XXXX XXXX XXXX, XXXX XXXX Tx XXXX
Consumer complaint received 2019-05-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (CO)

I attempted to call into Credit Collection Services as they were on my credit report. I am attempting to obtain a mortgage and my lender is requiring an official letter that is on letterhead and signed stating that if I pay off this debt that it will be completely removed from my credit report. I called in and spoke to a woman, she told me that there was a disclaimer online stating this and she could not help me. I then asked to speak to a supervisor, he was very rude and told me this is not something that they normally do, that I would have to get the disclaimer online when I am making the payment. I let him know that it was a requirement of my mortgage lender and they would not accept the disclaimer. He told me that I have had 2 years to resolve this issue and I should have thought about this sooner. I was not aware of this collections account until it was brought to my attention on my credit report. He then told me I would have to make the payment with him first and then he would put in a request to his legal team that " might '' get approved and would take up to 4 business days. He basically was asking me to buy the letter from them. I told him I would be more than happy to make the payment if that letter was provided to me first and I could not take his word that I would actually receive it. He then proceeded to cut me off and then hang up the phone. 

I spoke with a customer service agent and senior supervisor on XX/XX/2019 at XXXX at number XXXX
Consumer complaint received 2019-06-04
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: Early Warning Services, LLC (FL)

Early Warning A financial credit reporting agency has prevented me from opening a business banking account. Below was written to the company. 

Dear Early Warnings, I have recently been informed that there is negative information reported by XXXX XXXX XXXX in the file EWS maintains under my Social Security number. I called in to resolve this and explain the circumstances. My checks were canceled due to them missing from my car along with my debut card. No checks were cashed and no money was missing from my XXXX XXXX XXXX account nor was their any fraudulent activity. I do not owe XXXX XXXX XXXX and money in fact they owe me money. You are falsely reporting information without any proof and XXXX XXXX XXXX has admitted that there is no bad debt with their company nor any wrongdoing on my end. I will not engage in your process I will file lawsuit and sue your company for XXXX XXXX USD in damages due to the account at XXXX being frozen over your reporting with XXXX XXXX USD in it. Every day my account is blocked due to your reporting I will hold Early warnings responsible for damages to my clients funds traded in the market. 

I am not just contacting you to evolve in a frivolous dispute for you to validate this claim. I am contacting you because you are in violation of many banking regulations and Federal Credit Reporting Act consumer laws : XXXX XXXX XXXX Sec. 3403. Confidentiality of financial records ( a ) Release of records by financial institutions prohibited ( B ) Release of records upon certification of compliance with chapter Sec.  3410. Customer challenges ( all as such ) Sec. 3412. Use of information ( all as such ) EWS-participating as consumer reporting agency [ ( p ) The term consumer reporting agency that compiles and maintains files on consumers on a nationwide basis means a consumer reporting agency that regularly engages in the practice of assembling or evaluating, and maintaining, for the purpose of furnishing consumer reports to third parties bearing on a consumer 's credit worthiness, credit standing, or credit capacity, each of the following regarding consumers residing nationwide : ] 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. 
A credit report includes information on where you live, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy. 

My Report was not sent in the timeframe by law and still has not been received. I made a phone call to get the following information from your support and found the information supplied is illegally supplied to early warnings and also is incorrect.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed/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.

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!
Consumer complaint received 2019-05-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (NC)

I have 2 loans that navient sent into default. I am trying to get the defaulted loans into rehab so they will stop garnishing my social security. Navient changed my name on my account and I did not request it. I spoke to navient and they said it was changed in error and they had no request from me to change my name. I can not sign the docs until they submit the correct name. XXXX XXXX has the defaulted loans. when I spoke with Navient Post Claims they said hey would submit the right name and not to sign the documents. they are already taking payments from me for the defaulted loans. They are taking my social security, my part time job and the monthly payment that was set up for the rehab program. XXXX XXXX told me to sign the documents and worry about the name change later. I need my checks to not be garnished as I am having multiple surgerys and I dont have insurance to cover these and I need the garnishments to stop but Navinet has not sent the info to XXXX  XXXX.