davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-03
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: Experian Information Solutions Inc. (MD)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AR)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX, I received a notification that XXXX/XXXX  was a new account on my consumer credit reports. 

This account was previously deleted back in XXXX and I did not receive a notice from the credit bureaus nor the original creditor that it will be re-inserted. Furthermore, this account does not belong to me. 

This reporting is inviolation of the law that I must receive written notification of re-insertion within 5 business days as per FCRA 611 ( a ) ( 5 ) ( B )
Consumer complaint received 2020-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To whom it may concern : My name is XXXX XXXX XXXX. I mailed off a copy of my ID and SSN Card for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My USPS tracking numbers are Transunion XXXX XXXX XXXX XXXX XXXX The accounts are listed as follows : XXXX & XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (GA)

I was contacted by a credit help company who turned out to be Lexington Law.  I was promised that my credit items would be removed and corrected and they said they would charge me {$14.00} to get started. I was billed a total of {$700.00} over the past 5 months and have not been able to reach Lexington Law to cancel my services despite trying every week. I was able to reach them one time on XX/XX/XXXX and canceled my services, and was told I wouldnt be billed anymore. I was billed twice on XX/XX/XXXX. Lexington Law lied about what they would be doing for me and promised by signing up for their top package my credit would be repaired, but they havent done anything at all. I have since learned that credit repair companies are a scam and they promise a lot of things that they can not deliver. I want all of my services canceled fully, want my fees refunded, and want them to completely stop messing with my credit - I keep getting letters from creditors saying that I am stating accounts are fraudulent when I never said that they were - I feel like they are doing a lot of not above board things. The fees charged are below : XX/XX/XXXX {$120.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$19.00} Late Fee ( why? ) XX/XX/XXXX {$120.00} XX/XX/XXXX {$120.00} Late Fee ( why? ) XX/XX/XXXX {$6.00} XX/XX/XXXX {$6.00} XX/XX/XXXX {$120.00}
Consumer complaint received 2020-06-04
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: Bread Financial Holdings, Inc. (FL)

I've been damaged due to COVID-19 by loosing my employment and still waiting for Unemployment. I contacted my creditors one being Comenity Bank to inform them and request assistance. I was given a letter stating two months payments would be waived due to the Pandemic and my situation. I thought Comenity Bank was here to help consumers during this pandemic but they have done nothing but hurt my credit. I was informed that two months would be waived along with late fee, although I still made payments and managed to pay off some of my accounts, Comenity Bank reported to the credit reporting agencies XXXX, XXXX and XXXX that the accounts were 2 to 3months late when they had informed me that I didn't have to make any payments for two months and late fees were waived. This reporting has caused more damaged to my credit by having other cards closed and credit limits decreased due to their reporting. It is my understanding that due to the Pandemic ( Cares Act ) creditor are suppose to work with consumers and prevent from damaging their credit and credit reporting agencies should not report anything negative on consumers credit during the Pandemic. Comenity has damaged ones credit but advertise they are here to help consumers.. 

Negative information has been reported to my XXXX XXXX XXXX XXXX XXXX all have caused damaged to my credit. I have never had any late payment history until now.
Consumer complaint received 2020-06-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (WA)

During payment process of my loan, the mortgage servicing company failed to withdraw one of the monthly payments. I called them on this several times, had it escalated but was told each time that everything was current on the loan and to just leave alone. Ive have never missed a payment. 
Later, I refinanced my mortgage with a new lender. The original loan was paid off and I received the released of the deed of reconveyed as confirmation. 
3 weeks later the original mortgage company reached out to escrow saying that the payoff was short. Escrow asked for explanation and none was given. I mentioned to escrow what was probably the cause of the issue but then the mortgage company returned the money back to the escrow company and re-open the loan. 
Ever since myself and escrow have been trying to work with them on this. The mortgage servicing company has been investigating but at the same time is sending me foreclosure warnings and now want to move forward with it. 
They have found part of what caused the problem on their side but are now refusing to address the issue and want to charge me for additional payments ( on top of the one they failed to withdraw ) after the loan was closed when I refinanced.
Consumer complaint received 2019-04-29
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (NJ)

I found " XXXX XXXX XXXX '' amongst other bonds. XXXX XXXX XXXX Bank, XXXX XXXX branch in New York issued this bond to me ( maiden name XXXX ) in XXXX of 1972. When I found it, I went to my local CitiBank branch in XXXX, NJ to cash it in. I spoke with a banker named XXXX XXXX, who told me there was no way to cash in the bond because systems were entirely different than at the time of the issue. He gave no further suggestions about how to resolve this problem.
Consumer complaint received 2020-05-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Healthcare Collections-I, LLC (AZ)

Healthcare Collection LLC is reporting a collection account on my credit report. Ive contacted this company in the past and advised them I dont have an account with them and have no knowledge of this debt. I requested verification of this debt and never received anything from them. Ive contacted the original creditor listed on my report ( XXXX XXXX  ) and they said they dont have any accounts for me under my name, SSN, or phone numbers. I do not have any account, contract, or business with this debt collection company and they have no right to report negative information on my credit report.
Consumer complaint received 2020-06-03
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-06-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Perfection Collection (FL)

XXXX FIRST ATTEMPT. 

I RESPONDED TO THE COMPLAINT AND STILL THIS ISSUE HAS NOT BEEN RESOLVED/ TO THIS DAY THERE HAS BEEN NO VALIDTY OF THE DEBT. XXXX XXXX XXXX PREVIOUSLY WORKED UNDER ANOTHER NAME WHICH WAS RECENTLY CHANGED WHEN SPEAKING WITH XXXX  AND XXXX  THIS DEBT BUYING COMPANY WAS NOT ABLE TO PROVIDE A RECENT CONTRACT HOWEVER ACCORDING TO RESPONSE YOU SENT MY CREDIT BUREAU WAS UPDATED THE OLD CONTRACT FROM TIME OF PURCHASE DOES NOT VALIDATE A SERVICE THAT EXPIRED/ I ONCE AGAIN NEVER RENEWED MY CONTRACT THEREFORE THE CONTRACT IS NULL AND VOID. THE ORIGINALLY DOCUMENT SIGNED IS EXPIRED. THIS DEBT WAS ON MY CREDIT REPORT PREVIOUSLY THRU XXXX  THE ORIGINAL CREDITOR AND WAS REMOVED. I SEND ALL THE DOCUMENTS FROM THE XXXX  THAT SHOWS THIS COMPANY 'S NORMAL PRACTICE IS DO THIS TO CONSUMERS. XXXX Complaints Show Sort By Complaint Type : Billing/Collection Issues Status : Answered XX/XX/XXXX This company has reported erroneous information to the credit bureau as well about an account that had already been resolved from XXXX. This has also negatively impacted my credit score. I had not received any invoices or anything regarding debts owed from monitrinics. I asked for Proof if this debt and all I received was a copy of an agreement from XXXX. I do not owe this company anything. 
Complaint Type : Billing/Collection Issues Status : Unresolved XX/XX/XXXX I have never done business with this company and they have placed me for collection with a company called XXXX. I have never had or used anything from a company called XXXX. This business places scam accounts on your file to bully you into paying a balance and never belonged to a person in the first place. They blatantly fail to adhere to the Fair Credit Act and refuse to provide ANY single document that proves their false allegation that a person owes what they allege. This is a scam. All companies are bound by the Fair Credit Act and thi THESE COMPLAINTS GO ON AND ON I'M ASKING TO HAVE THIS COMPANY INVESTIGATED AND ALSO REVIEW THE 202 COMPLAINTS FILED JUST IN THE MONTH OF XXXX. I HAVE CONTINUED TO CONACT XXXX   THRU WRITING WHICH THERE HAS BEEN NOT ONE RESPONSE. I HAVE CONTACTED AT THIS POINT AN ATTORNEY TO ALSO ASSIST ME WITH THIS MATTER.
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)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-03
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. (OH)

The XXXX XXXX XXXX has placed collection on my report that is not mines. They need to provide Validation of Debt and Method of Verification.

The dates on this account does not make any sense. States the account was Opened on XX/XX/XXXX, but updated on XX/XX/XXXX ... How do update account before it's opened?? 

Please removed ASAP off all CA 's or all CA 's will be held responsible for this negative information will face legal actions.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have sent dispute letters time and time again to update my report and dispute inaccuracies. Company is not updating or responding to any of my request.
Consumer complaint received 2020-06-03
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. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.
Consumer complaint received 2020-06-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc. (MI)

I have money on my cash app card I've reached out to cash app about this problem and they stated to contact Unemployment I spoke with unemployment and they said that they can not retrieve the money and tell cash app to return the money back to unemployment which they have not done I can not reach cash app to resolve this issue they have lock my cash card and will not allow Me to get my money off My Cash Card
Consumer complaint received 2020-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

well I paid the minimum balance due before the due date on XXXX XXXX the bill was due XXXX XXXX and for some reason Capital one buy back credit card reported to the credit bureaus my payment was late when I paid the minimum balance before the due date on XXXX XXXX the amount of {$60.00} and when I called to speak to a Rep and then there supervisor they stating I can not due that I've paid on this card before early and never ran into this problem before so this needs to be investigated because no where in the terms of conditions does it state if you pay your minimum balance early you won't be charged a late fee.
Consumer complaint received 2020-06-03
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY (MA)

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2023-11-21
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. (FL)

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 2019-05-02
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

This is in response to XXXX XXXX XXXX , XXXX. ( XXXX ) CFPB response to complaint XXXX, dated XX/XX/XXXX. I have several issues/concerns with this response. 1- XXXX   never addressed the illegal trespassing on private property. 2- XXXX XXXX alleged validation of debt is unacceptable. XXXX is a servicer and/or debt collector. XXXX is not the alleged note holder and has yet to provide any documentation from the alleged note holder providing proof of their security interest ; i.e. assignment documentation. 3- In the XXXX XXXX XXXX XXXX ( XXXX ) provided in the response by XXXX , an " out building '' was used in the assessment. This building is not even on the property of the subject property that was being assessed. Not to mention the entire XXXX is based on the wrong property as described in the mortgage documents. XXXX continues to inflate the price of subject property in a fraudulent manner. 4- XXXX XXXX XXXX states the subject property has an estimated value of {$100000.00}, yet they forced placed insurance on the property in the amount of {$230000.00} in coverage from XXXX XXXX XXXX XXXX as XXXX XXXXXXXX XXXX , XXXX. named as the first insured ( Policy # XXXX ). This is not only unethical, it's illegal. 5XXXX On XX/XX/XXXX, XXXX stated they provided me a copy of all origination related documents pertaining to account # XXXX. This was false and a misrepresentation of the facts. The documents included : Customer Application, Loan Agreement Including Truth-in-Lending Disclosure, Notice of Right to Cancel, Recorded Mortgage, Good Faith Estimate, HUD Settlement Statement, Servicing Transfer Disclosure Statement, Hazard Insurance Disclosure, Waiver of Escrow and Origination Appraisal. However, in XXXX XXXX XX/XX/XXXX response they included a document entitled " Arbitration Rider ''  as part of the alleged loan documents. I have never seen this document and XXXX has never provided it to me as a result of my numerous inquiries. As a result, I would like XXXX to explain why it was not sent with the documents requested and provide a copy of the document and any other document ( s ) they neglected to send me in their XX/XX/XXXX correspondence. Either the document does not exist and XXXX fabricated it, or XXXX has once again been negligent in performing their duties. Please advise, I continue to assert XXXX continues to act in a fraudulent manner and misrepresents their legal abilities as a servicer/debt collector.
Consumer complaint received 2023-06-06
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: Experian Information Solutions Inc. (AR)

I reviewed my consumer reports and I noticed that I had 4-5 late payments on my accounts that I was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX  account # XXXX. Please investigate and provide proof with statements showing that these payments are late.if proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks
Consumer complaint received 2020-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (NJ)

I made payment on my Valley Bank credit card by depositing same at the Post Office in XXXX where the Valley Bank has a branch. I was not able to make a deposit at the branch because the branch was closed because of the coronavirus pandemic. I subsequently learned that the Valley Bank branch in XXXX XXXX was also closed. 

NOW VALLEY BANK IS HITTING ME WITH A {$28.00} LATE FEE. THIS IS APPALLINGLY UNFAIR AS I MADE A GOOD FAITH EFFORT TO MAKE PAYMENT ON TIME BUT THE FACT IS THAT THE VALLEY BANK BRANCH IN XXXX WITH WHICH I NORMALLY DO BUSINESS AND WHERE MY BANK INFORMATION IS STORED WAS CLOSED BECAUSE OF THE CORONAVIRUS. 

I WROTE TO THE CFPB THE VERY DAY I DEPOSITED SAID PAYMENT BUT RECEIVED NOT ONE WORD FROM THE VALLEY BANK! 

MOST DISHONORABLE AND MOST UNFAIR!
Consumer complaint received 2020-06-03
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. (NJ)

I called American credit acceptance a numerous number of times since the beginning of covid-19. I have been out of a job since XX/XX/XXXX. They told me that if I fell behind on my payment that it wouldnt effect me. Because, I was waiting on unemployment.