davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On or around XX/XX/XXXX I engaged in a transaction for the amount of {$360.00} USD to purchase clothing from XXXX XXXX. I received the package on or around the XXXX day of XXXX, XXXX. When I received the package, it was empty. There was no merchandise of value whatsoever inside the package. I contacted the merchant, XXXX XXXX who said they were unable to issue a refund. At that point, I filed a dispute with capital one online. I was issued a credit by capital one on or around the XXXX day of XXXX, XXXX. I was not given any update on the dispute by mail or electronic notification. I was never asked for more information from Capital One. With this being said, on or around the XXXX day of XXXX XXXX, capital one reversed the credit without explanation. On or around the XXXX day of XXXX, XXXX I spoke with 4 different individuals at capital one, to wit the final individual disconnected the phone without giving me a resolution.
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Today, XX/XX/2018, I contacted Experian about report number XXXX. I spoked with a XXXX, who then transferred me to an account specialist named XXXX out of the XXXX, TX office, with team ID : XXXX. Not only was XXXX very rude, but she refused to delete incorrect information reporting to Experian. My last name has been legally changed and I asked XXXX to remove the incorrect versions of my name, XXXX and XXXX, as well as the other versions of my name that wasn't incomplete, since she couldn't add my new last name, XXXX, to my credit file. XXXX refused to delete the various variations of my former name. I then told XXXX that there should only be about ten addresses on my credit report, but for some reason, there are over 60. I told XXXX that most of the addresses belonged to family members, as I am an XXXX XXXX, as well as to my mother. 

The addresses that are not valid and should be REMOVED are : XXXX XXXX XXXX  XXXX, SC XXXX XXXX XXXX CT XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX
Consumer complaint received 2024-10-19
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: Experian Information Solutions Inc. (NV)

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 2018-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I explained that I did not authorize the hard credit inquriy on XX/XX/XXXX from XXXX XXXX XXXX. They said it went to the XXXX location branch bc it was closeest to me and then ran my credit report again!!! I want this taken off immediately they did not help me whatsoever
Consumer complaint received 2018-01-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

Hello - Navient ( prior was XXXX XXXX ) was my loan server for many years. I feel that I was misinformed MANY times about repayment loan options. NEVER was I told about The Federal Loan Forgiveness Program option so I continued to make payments to Navient. I have > {$90000.00} is student loan debt AND work for an eligible institution that meets the qualifications for loan forgiveness. I 've been working with this institution for 13 years. 

If they would have been forth coming in my options, told me about the Federal Loan Forgiveness, I would have transferred my loans to the Fed Gov, met the 10 year payment requirements by now and the rest of my loan debt would have been forgiven. This is very upsetting. 

In the past year ( after finding out about the Federal Loan Forgiveness Program ) I transferred my loans to XXXX XXXX. 

Do I have any recourse?
Consumer complaint received 2018-01-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (KY)

The account is reporting on my credit report but is not my account. It 's not even my name on the account. I tried to talk to the company and the first gentleman got aggravated and starting talking over me and told me to hold on, and then his supervisor got on the phone and she said I needed to file a dispute and allow 72 hours for dispute process. I have n't had an XXXX XXXX XXXX account. I 've had XXXX for years.
Consumer complaint received 2018-01-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Linebarger Goggan Blair & Sampson LLP (CO)

In protest, I paid a fraudulent " speed-trap '' fine of {$350.00} imposed by the XXXX County Colorado Court, XXXX XXXX XXXX, Judge. The fine was for a false police radar claim of 44 mph in a 30 mph zone in XXXX XXXX, Colorado. I was travelling 29 mph at the time, but the police radar unit was operated in an RFI ( radio frequency interference ) -zone created by six large neon-type casino billboards located in the narrow valley of XXXX XXXX. The XXXX County Court lied to me about my hearing date so I would not be aware of my appeal date and accepted the false police radar reading as correct ... and imposed a default judgement. 

Since I appealed the above default judgement and delayed payment of my fine, Judge XXXX ordered the cancellation of my Colorado Drivers License and employed the collection form of Linebarger Goggan Blair & Sampson, LLP to collect my fraudulent fine. Since I must travel for work, I was forced to pay the above said fraudulent fine that included court costs, and I did so with a certified bank check, from XXXX XXXX. Linebarger reported to me that they received this check on XX/XX/XXXX but placed a 14-day hold on the check as if it were a personal check. On XX/XX/XXXX, the Clerk of the XXXX County Court advised me that they still had not received any of my fine due to them from Linebarger. In checking with Linebarger that same day, they advised they sent a check to said Court by " snail-mail '' on XX/XX/XXXX. I assume the Court may receive this check on XX/XX/XXXX so the Court can order the Colorado DMV to reinstate my Colorado Drivers License by the following week. 

I object to Linebarger 's collection of fraudulent debt, but this may not be corrected in any way. The error in question is Linebarger 's placing a 14-day hold on my certified bank check as if it were a personal check. This delay cost me time, money, forced changes in my classified training schedule, and added delays in my completing training materials all due to my not having my Colorado Drivers Licence promptly restored. My total damages directly caused by Linebarger 's error are {$750.00}. 

XXXX. For background purposes, I am a former 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 personnel in various parts of the U.S. Linebarger 's above said error acted to delay my travels at least 2-weeks. To confirm my special operations  background, please see the study entitled " XXXX XXXX XXXX ... XXXX XXXX, '' as posted on XXXX ... or check with XXXX.
Consumer complaint received 2018-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/XXXX, I discovered that my personally identifiable information may have been disclosed without authorization due to a data breach. On XX/XX/XXXX, I mailed a Free Annual Credit Report form to the Free Annual Credit Report service, asking for a free copy of my credit report from TransUnion, if it existed. On XX/XX/XXXX, I received a response from TransUnion stating that they did not find a credit report based on the limited details I provided, but that they could perform a more thorough investigation if I asked.

On XX/XX/XXXX, I sent a reply to TransUnion, asking for a reinvestigation. I included copies of my official identification documents that TransUnion desired to have in order to perform their search. I asked them to conclusively inform me whether or not a credit report existed in my name, and if so, to provide a copy of it. On XX/XX/XXXX, I received a response from TransUnion, which again stated that no credit report could be found based on the information I sent to them, but did not conclusively state that no credit report for me existed within their database, as I requested in my letter.

On XX/XX/XXXX, I sent a second reply to TransUnion, again asking for a reinvestigation, and emphasizing that I desired a response in clear and unambiguous language that I either did or did not have a credit report in their database. With this letter, I again sent copies of the official identity documents that TransUnion requested in order to perform their reinvestigation. On XX/XX/XXXX, I received a response from TransUnion identical to the one I had identified as being insufficient.

In spite of my two clear and reasonable letters, TransUnion has failed to answer with an acceptable level of specificity whether or not I have a credit report.
Consumer complaint received 2018-10-08
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. (AZ)

My XXXX XXXX XXXX credit card # : XXXX, XXXX XXXX credit card # : XXXX, and XXXX XXXX XXXX  XXXX XXXX credit card # : XXXX is lost/stolen, and all the charges/transactions on the accounts are fraudulent and unauthorized.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Dear CFPB, I am writing to inquiry about certain entries on my credit report that I do not recognize, including company names, balances, and late payments. These inaccuracies need to be removed from my credit report immediately, as they are in violation of 15 USC 1692.

Additionally, I have repeatedly requested that XXXX XXXX cease all contact with me. Their continued communication is also in violation of 15 USC 1692K. 

XXXX XXXX XXXX has implemented a hard inquiry on my account on XXXX XXXX XXXXXXXX XXXX XXXX implemented a hard inquiry on my credit as well, without consent. 

XXXX XXXX- consistently contacts me despite the repeated ask not to.
Consumer complaint received 2018-12-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC. (OR)

In XX/XX/2018, I became unemployed. I immediately began looking for a new job, but by XX/XX/XXXX I realized it would take longer than I hoped. I filed for a forbearance program with my mortgage lender in XX/XX/XXXX, and was approved for XX/XX/XXXX and XX/XX/XXXX - although no one is sure why it wasn't 90 days instead of 60. Immediately there began to be problems, as one arm of the company was calling me and sending letters even in XX/XX/XXXX, saying that I was behind in my payments.

In XX/XX/XXXX, I spoke with the loan point person who said it was time to reapply for the forbearance, since the 60 days was nearing its end and I was still looking for work. I submitted my paperwork, and it was received by XX/XX/XXXX. However, no one at SunTrust actually looked at the paperwork, as I was told later that since the program was not " officially over '' meaning the program ended at the end of XX/XX/XXXX, I was supposed to have submitted my paperwork on XX/XX/XXXX. So the XX/XX/XXXX application was never looked at, even though they received it.

By the XX/XX/XXXX I was again receiving calls now saying that I was overdue for XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX, and this was also reported to my credit. I resubmitted the packet and it was approved again, and I have had a forbearance that ran through XX/XX/XXXX. 

By then I had found a new job, but it was in XXXX, Arizona, so I was looking to sell the house and move my family. But SunTrust had not only reported the month of XX/XX/XXXX as late, and then as a 60 and 90 day late, ( which they did finally admit was their mistake ) but now has reported the entire XX/XX/XXXX-XX/XX/XXXX as delinquent. I was working on a new 90-day trial loan modification, and am more than happy to fold those payments into a new loan, but I would rather sell the house, and move my family to where my new job is. But this whole thing has so decimated my credit score, that SunTrust is holding me captive, since I can not qualify for a new loan. 

And anytime you try and talk to them, they point to a different department and say " You need to call them. '' And every time you try you speak to someone else who has different information.
Consumer complaint received 2024-10-19
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Re : Account Number : XXXX XXXXAmount of Debt : $ XXXX of Debt : XX/XX/XXXX Dear XXXX XXXX  XXXX XXXX I am writing to request validation of the above-referenced debt. I do not acknowledge this debt and would like to see validation under the FDCPA. 
Please provide : 1. The name and address of the original creditor.

2. A detailed breakdown showing how the alleged amount was calculated.

3. Copies of any agreements or contracts I allegedly signed.

4. Proof that you are licensed to collect debts in my state.

5. Proof of assignment or sale of the debt, including the contract or agreement between you and the original creditor, verifying that you have the legal right to collect this debt. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-19
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. (FL)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C.

1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-04-13
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. (IL)

Hello My XXXX XXXX Credit Card was stolen in XX/XX/XXXX it is now XX/XX/XXXX and they are just not refunding me for the monies that was used they forgot to include one of the charges now they are showing late payments on my credit report I paid this account balance to to a XXXX balance In XX/XX/XXXX and XX/XX/XXXX as a result of XXXX XXXX mistake I now have to late payments
Consumer complaint received 2018-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

XXXX  XXXX XXXX Submitted an amount of {$680.00} that was supposed to be paid by XXXX   XXXX due to their driver 's negligence. My insurance paid {$500.00} of the {$1100.00}. I submitted a complaint to XXXX  and the matter was taken off my credit report. Equifax 's website would not allow me to submit a complaint.
Consumer complaint received 2018-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have disputed the late payment status reported on the account XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment XXXX XXXX**** Collection XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX information : Previous Address ( es ) : XXXX XXXX XXXX XXXX, SC XXXX XXXX Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX : UNITED STATES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Former : XXXX XXXX XXXX Also XXXX XXXX XXXX XXXX, XXXX, MA
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Information on Credit Report Dear CFPB, I am writing to formally lodge a complaint regarding inaccurate late payment information reported by XXXX XXXX on my credit report. The late payments in question were marked on the following account ( XXXX ) on the respective date ( XXXX ) : LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX Under 15 USC 1681 ( a ) ( XXXX ) ( A ) ( i ), it is my understanding that my consumer report should not contain information related solely to transactions or experiences between myself, the consumer, and the person or entity providing the report. The inclusion of late payments as part of my payment history negatively impacts my consumer report, and I believe this is in direct violation of the aforementioned statute. 
Additionally, I am requesting that XXXX XXXX provide, in writing, the reasonable procedures it has adopted to ensure that each periodic statement is mailed to me no later than 21 days before the payment due date, as required under 15 USC 1666 ( b ). This should also include all information mandated by 15 USC 1637 ( b ). 
Per the Fair Credit Reporting Act ( FCRA ), you have XXXX  days from the receipt of this letter to provide me with the requested information. If the information is not provided within this timeframe, I will assume that you are unable to verify the accuracy of the late payments listed above, and I request that these late payments be removed from my account and consumer report with all relevant consumer reporting agencies, including but not limited to Experian, and XXXX. 
Please ensure that any corrections made to my account are forwarded to my address as listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my account standing. 
Thank you for your time and consideration. I look forward to a positive response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX