davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-11
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. (AZ)

he class action multi state settlement includes my loan repossession I have called XXXX XXXX attorney generals office for both the state I reside and sate I resided at the time. The settlement XXXX I get ran through circles and told I just have to wait no timeline given. Currently trying to obtain a mortgage and this is XXXX on my credit. I have been trying to get a resolution for weeks and its so frustrating and disheartening. I have obtained a copy of the judgment to attach to this if I dont qualify for the deficiency wavier I would atleast like an explanation as to why.
Consumer complaint received 2020-08-04
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. (NC)

Experian will not thoroughly investigate within 30 days and delete ( furnisher ) XXXX XXXX from my credit file. Experian refuse to  delete disputed item after being provided proof of fraudulent inducement from XXXX XXXX and conspirators, Experian continue to violate FCRA Section 623 XXXX v. XXXX XXXX. US Court of Appeals for the Third Circuit Court case XXXX XXXX XXXX XXXX XX/XX/XXXX, Filed ( XXXX. 
No. XXXX ). 
IN CONTRADICTION, XXXX & XXXX ALL DELETED THIS ITEM FROM MY CREDIT FILE. 
Please view attachments that will show I never authorized the retail contract that was submitted and accepted fraudulently. For example, my correct DOB is XX/XX/XXXX NOT XX/XX/XXXX.
Consumer complaint received 2020-11-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I fell upon hardship during Covid-19. I lost my primary job and was placed on furlough for my secondary. On XX/XX/XXXX, I was laid off permanently from my secondary job. When I spoke to the loan company, ( Capital One ), about having offer letters and starting back to work, they seemed less interested in trying to help me. I also complained about the fact that I attempted to answer the phone from the company on multiple occasions and the agents would hang up immediately. I have complained about the agents hanging up for the better part of 3 years. I think the company is attempting to tack on fees in order to turn my account over to collections and are attempting to threaten my credit with a blemish in an attempt to make me pay more quickly. I also think that agents were hanging up so that they could document non contact in order to send the account to collections. I have only ever had one contact with the company by mail starting XX/XX/XXXX and that was after I told them that I had gained employment and they stated they were no longer willing to work with me to get the payments up to date. When I called them, I was told it would take 24 hours to get back to me and no one ever did. On other occasions when I asked for the Office of the President, I was told that I could not be transferred there, they were unavailable, or they refused to transfer me to a Supervisor or Manager.
Consumer complaint received 2020-08-04
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: Experian Information Solutions Inc. (TX)

I would like to file a complaint regarding two accounts Experian is reporting. I have sent disputes to Experian multiple times reporting the errors in their reporting but somehow Experian continues to respond the accounts are verified as accurate. This is very confusing because the two accounts are reporting the same collection, yet they are reporting completely different information? Account XXXX is reported by XXXX with the DATE OF FIRST DELINQUENCY AS XX/XX/XXXX and the amount owed as {$3500.00} and XXXX is reporting the DATE OF FIRST DELINQUENCY AS XX/XX/XXXX with the amount owed as {$2400.00}. This is the exact same account as reported by the account number. That can not be possible, this is one account with one original Date Of Delinquency and one balance amount. I have also reported to Experian that I did not believe this account was mine due to another family member having the exact same first, middle and last name. Yet again, Experian does not even acknowledge my disputes. I have requested validation from XXXX and XXXX and NEITHER have provided ANY information showing this account belongs to me or proof that what is being reported is correct. XXXX and XXXX have both deleted these accounts from my report because they were unable to substantiate the account. What information does Experian have to report these accounts? And if Experian has correct information, then why are these accounts reporting with completely different Dates Of First Delinquency and different amounts reported? Arent all three of these issues violations? Why is Experian continuing to report these accounts if they have not and can not be verified? And why has Experian completely ignored my requests for an investigation, yet continued to report the accounts? Can you please direct me to the proper channels so that I may hold Experian accountable for the blatant negligence, failure to investigate and continued reporting of these accounts with obvious errors even after I have repeatedly provided Experian the information to make an educated decision. I am also including XXXX in the complaint due to re-aging of the account. These accounts are definitive, they are supposed to have only one open date, one close date, one date of first delinquency and one date of last payment and those dates are required to report the same. XXXX has re-aged this account to make it appear newer in attempt to further damage my credit ; in which both Experians and XXXX false reporting have hurt my credit substantially.
Consumer complaint received 2020-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (FL)

TODAYS DATE : XX/XX/XXXX I.C. SYSTEM, INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very  serious I.C. SYSTEM, INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2020-09-10
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. (FL)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc. (TX)

On XX/XX/2019 I paid a total of XXXX to XXXX XXXX as my final payment before moving out. The payment was done with a cashiers check dispensed through my bank, XXXX XXXX XXXX XXXX XXXX XXXX. I have proof of the check. 

XXXX XXXX submitted the payment on XX/XX/2019 into their system. I also have proof of their records as they have given me a copy. 

Months later I received a copy from National Credit Services that I owed the same amount described above ( case number XXXX ). 

I called the apartment office to let them know of the letter received from National Credit Services. I was told it would be corrected from their end. Over a year now, this collection is still under my credit report. Please let me know what to do in order to have it removed. 

I did call National Credit Systems and was advised to mail in proof which I will. I am in the middle of refinancing my home and this collection is keep me from having an excellent score. Please advise me on the proper steps to get this removed. It seems that mailing my information will still be lengthy process. 

Thank you so much for your time.
Consumer complaint received 2020-12-23
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. (WI)

I am writing this letter because of erroneous information on my file. I have been disputing these accounts for sometime now, I demand comply and conform or I am taking a legal action as soon as possible.
Consumer complaint received 2020-11-11
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. (NY)

I am writing to dispute about a fraudulent charge on my account which is XXXX XXXX XXXX and XXXX XXXX Solution. I am a victim of identity theft and would like that the following account be deleted from my credit report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act
Consumer complaint received 2020-11-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/XXXX, I contacted Wells Fargo Mortgage to start the mortgage process. In todays competitive housing market, its important to combine a preapproval letter with the offer contract when bidding on a home. 
During my first conversation with XXXX XXXX XXXX Wells Fargo, I provided in depth and detailed financial data for approximately 2 hours. Since we all had Wells Fargo accounts it was easy to confirm balances and all payroll information was clearly documented through online portals. After completing the application, XXXX discussed the application with XXXX XXXX his supervisor and I received my first Pre-Approval letter for a house price of {$580000.00} and 20 % down. We put offers on two houses in XXXX  and 1 in XXXX. During the bidding process, we received pre-approval letters from XXXX XXXX at Wells Fargo for $ XXXX, $ XXXX, {$590.00} and $ XXXX. ( all attached ) Unfortunately, we were out bid on two of the houses, but the third one we were still in the running. In order to secure the house we would need to get a pre approval for {$620000.00} with 20 % down. After reviewing the ratios XXXX spoke to XXXX again and the two suggested sending the application to underwriting. I submitted all of the proper documentation on XX/XX/XXXX and 9 days later I received a call from XXXX telling me that Underwriting had made a decision and that we would only qualify for a {$300000.00} house with 20 % down. That is of course 1/2 of the original pre approval mortgage amount. What Wells Fargo doesn't understand or care about is they potentially exposed me to losing the earnest money if my contract offer was accepted. Since that day I have spoken with XXXX the supervisor and XXXX XXXX Area Manager and was met with weak excuses and the reminder that all previous conversations were recorded. I was told on XX/XX/XXXX at XXXX XXXX that XXXX would personally review the file with underwriting and get back to me. I was also told that Customer retention was going to call me so that we didn't move our accounts from Wells Fargo. How can there be such a disconnect between the front line Mortgage Consultant XXXX his Supervisor and Underwriting? It took 2 hours to provide all of the proper financial details to XXXX and most of it was either on my credit report and in the Wells Fargo account and Payroll portals. Additionally, I told XXXX XXXX Area Manager that I would be submitting a formal complaint with consumerfinance.gov. His response was that they already submitted a complaint on my behalf yet I have not received any email from their or any complaint department. As of this writing, XXXX XXXX  on XX/XX/XXXX I have not received any communications from Wells Fargo.
Consumer complaint received 2020-11-11
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. (ID)

The accounts listed are not my accounts. I have shown that I am not a credit repair company nor am I a mortgage company. I also DON'T have a Chapter XXXX bankruptcy and needs to be removed immediately. I have requested the removal of these accounts as now a second request. Please remove them immediately. Thank you.
Consumer complaint received 2020-11-10
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. (NH)

I sent a letter regarding an inaccurate bankruptcy listed on my credit report. I have been going back and forth with the 3 major credit bureaus XXXX, XXXX, EXPERIAN for several months now. I have sent in an FTC report, a letter from the bankruptcy court stating they don't report this information, letter after letter, and the bankruptcy still has not been thoroughly investigated or verified. The credit bureaus stated that they have verified the bankruptcy with XXXX XXXX and XXXX XXXX sent me a letter stating the the bankruptcy has been deleted from their system because it didnt belong there in the first place. So the credit bureaus are blantantly lying and not investigating anything and I would like this bankruptcy DELETED from my credit report IMMEDIATELY! I WILL FILE FOR LITIGATION DUE TO THE STRESS THIS IS CAUSING. MY INFORMATION WAS ALSO IMPACTED BY THE XXXX DATA BREACH AND MAY HAVE GOTTEN INTO THE HANDS OF THE WRONG PERSON.
Consumer complaint received 2020-08-05
Product: Student loan — Private student loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SLM CORPORATION (GA)

This has to do with my Sallie Mae Account, I was going through financial hardship in XXXX from the months : XX/XX/XXXX-XX/XX/XXXX ... and unfortunately i was unable to make payments to this account for a few months. I was unfortunately laid off from my employer and was going through a very difficult period of time financially. I took hits that have followed me to this day and I have spent my HARD earned money properly educating myself about credit and the importance of maintaining good/healthy relationships with banks. Since i was able to get back on my feet and on the right track, I have made CONSISTENT payments every single month on time and will continue to do so from this point on. I am asking to receive forgiveness from Sallie Mae from the late payments in : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ... I plan to continue to maintain a good borrowing history with them, but these negative remarks are holding me back in general.
Consumer complaint received 2020-08-05
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

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 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ONLINE Information Services, Inc. (RI)

Recently I checked my credit report due to interest in a new vehicle and seen a couple of accounts with errors. Mainly it seems as though these credit collectors are reporting that the account was just opened a month ago or few months ago when in fact these accounts are over 7 years old and should of been removed from my credit report. I requested that they  update the info with accurate dates and they refused. These accounts are so old I don't even have a clue of when they were opened. I've tried disputing with credit bureaus but nothing happens. If in fact I did open any of these accounts please have them show you proof. An order form, an jnstall date, or how about an address? I have been living in hotels and traveling state to state for close to 3 years now. So when did I start cable? Or electric? Thank you consumer finance for your assistance in this matter and the work that you do.
Consumer complaint received 2020-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Webcollex, LLC (FL)

Previous debt owed to XXXX XXXX  was paid in full on XX/XX/XXXX directly to the original creditor XXXX XXXX. The check in the amount of {$750.00} was cashed & cleared with no issues. In XXXX CKS Prime Investments ( a collection company ) reported a collection account to XXXX, XXXX & XXXX with a balance of {$750.00}. I never received any prior communication from CKS Prime Investments & tried to resolve this issue directly with CKS staff members including managers. CKS Prime Investments refused to remove the collection account & continue to report the inaccurate balance. The credit bureaus investigation was concluded as " verified as accurate '' even though I have submitted bank statements showing that the debt was paid directly to XXXX XXXX prior to any collection activity.
Consumer complaint received 2020-08-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (CA)

I was approved for a loan with Santander Consumer USA a few years ago. I feel like I was approved with a high interest rate with expectations of defaulting on the loan. I feel like my balance has not changed even after making constant payments. I actually now owe more than the actual principal. My interest rate is over 25 % and its been very difficult to stay on top of it. Im not sure if I am eligible under this class action lawsuit against them but any information would be great. I think that its crooked and unfair that they approved vulnerable people with low credit scores just to add a high interest rate so they can default from loan.
Consumer complaint received 2020-08-05
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: EQUIFAX, INC. (TX)

I have been trying to view my credit report from Equifax. 

Have tried to view my credit report from 1. XXXX XXXX XXXX 2. XXXX and 3. XXXX online monitoring service. 

Equifax is preventing me from viewing my credit report for errors or valid information. 
This is a violation!
Consumer complaint received 2020-09-10
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: U.S. Auto Sales Inc. (GA)

When I disputed the information which XXXX XXXX XXXX was reporting, they updated in accurate information to cover themselves. I opened the account with them XXXX XXXX the vehicle was repossessed in XX/XX/XXXX. They update my information stating the following : My account was closed ( XX/XX/XXXX ) and was included in a BK - which is under a wager plan. I dismissed my Chapter XXXX BK- I have no open BK 's, as well, how could my account with US XXXX XXXX be closed in XXXX and included in a BK- when they repossessed the vehicle in XX/XX/XXXX? Since day one, this company does fraudulent things. when the vehicle was repo- they sent the redempetion letter to my old address- normal mail- when GA laws states the letter need to be sent certified and they had my new address.
Consumer complaint received 2020-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NY)

Experian Credit Bureau has been charging me {$21.00} four times since XXXX. I cancelled the free trial on the 6th day so I should not have been charged. When I call they tell me that the charges will be refunded instead I get charged again the next month.
Consumer complaint received 2022-07-13
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. (GA)

I submitted a letter to the Equifax credit Bureau XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 
XXXX  XXXX XXXX Balance : {$4200.00}