davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-24
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. (CA)

My previous CFPB complaint ID is -XXXX. ( XXXX ) -XXXX. ( XXXX ) -XXXX. ( EXPERIAN ) Also, XXXX XXXX Account Number : XXXX CFPB Case Number : XXXX I will file a complaint again because it has not been resolved yet. Anyhow, I have received a confirmation letter from XXXX XXXX on XX/XX/XXXX. 

They told that In your letter, you indicated our credit furnishing is still showing as Settled in Full. We regret any inconvenience this matter may have caused. As a result of your inquiry, we have asked the credit reporting agencies to update their records regarding your XXXX XXXX account to reflect it as Paid in Full ''. 

But after 30 days I looked at the credit reports for each agencies and found out that they were still not yet correct. 

Please, refer the following statements to my previous complaints. 

- XX/XX/XXXX ; XXXX XXXX was charging $ XXXX.Claim for Excess Wear & Tear, after returning leased car. 

- XX/XX/XXXX ; Made for Total Settlement Amount Due {$1200.00} ( Account Balance {$1600.00} ) Payment Installment Plan with XXXX XXXX Down Payment Promise Date XX/XX/XXXX -  {$610.00} ( Paid on time ) Final payments @ {$610.00} XX/XX/XXXX {$610.00} ( Paid on time ) Total Payment Installment Plan : {$1200.00} -XX/XX/XXXX ; XXXX XXXX credit report to Potentially Negative Account with late payment. 

- XXXX XXXX XXXX sent confirmation mail, " XXXX has been settled and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 

-XX/XX/XXXX Made a phone call with XXXX XXXX discussing why my credit report was negative when I already payed off the settlements on time. The reply was if I paid off my remaining balance, the credit report wouldn't be negative anymore. 

-XX/XX/XXXX *Payed off remaining balance of {$400.00}.

*XXXX XXXX sent confirmation mail, " XXXX is now satisfied and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 
*Credit report remained negative even after receiving these confirmation letters. 
*Made a call to XXXX about this issue ; wasn't given a solution. 

-XX/XX/XXXX *Disputed to 3 Credit Bureau for issue ( See above ). 
*Received dispute result from EXPERIAN , " Completed investigation of FCRA dispute - consumer disagrees '' AND XXXX XXXX , " DISP INVG COMP-CONSUM DISAGRS ; >SETTLED-LESS THAN FULL BLNC< ; CLOSED. '' * Also, XXXX " Account paid for less than full balance. '' Thank you.
Consumer complaint received 2017-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Amsher Collection Services, Inc. (FL)

I filed for bankruptcy in XX/XX/XXXX. All my accounts were handed over to a law firm. I checked my credit report in XX/XX/XXXX and  noticed that all my accounts have been closed and discharged except one from XXXX XXXX for {$1600.00} ( originally from XXXX ). I look up their phone number and call ( XXXX ) XXXX to get an account number so I could dispute since I have recieved nothing in writing prior. I speak to rep that transfers me after I provided my social. The second rep proceeds to verify my identity and then tells me that they will not provide me with even an account number.
Consumer complaint received 2017-07-05
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. (MO)

Hello, My name is XXXX XXXX and I have inaccurate information listed on my credit report. This inaccurate information is currently being reported to Equifax and XXXX. I reached out to both the company reporting the inaccurate information and the two credit agencies listed above several times ; and nothing has been done to remedy this false information. Ive requested this information be removed when I first found out about it XX/XX/XXXX, and again XX/XX/XXXX. FYI, I waited a year to do the second dispute because I was under the impression this was corrected and removed after my first dispute in XX/XX/XXXX. The company reporting the incorrect information to the credit bureau is XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, and their phone number is XXXX. Based on the information listed on my credit report this is a collection for {$160.00} from XXXX XXXX Hospital. I dont owe either one of these companys money, this collection states its from XX/XX/XXXX, so I dont remember specifics since it was so long ago, but I pay all of my bills and have excellent credit outside of this false information. Please advise me of my options to get this information removed. Im also concerned my personal medical information has been shared without my consent. <P/>Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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


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 IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
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. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I would like to file a complaint against the three bureaus regarding the negative items on my credit report. These negative items on my credit report are severely affecting me. I would like to request that these negative items be removed from my credit report and made positive. If the three bureaus do not take action, I am prepared to file a lawsuit against them and demand appropriate compensation. According to our laws, I have the right to complain and file a case against them
Consumer complaint received 2024-09-04
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. (MS)

I need your help with an incorrect account listed on my credit report. This matter has negatively impacted my reputation, and I require your assistance. Your mishandling of my credit information has caused significant distress, and the inaccurate reporting has damaged my standing. Please remove these errors so I can live peacefully with my family.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

To whom it may concern I have tried contacting all credit bureaus about unauthorized hard inquires on my credit report please help the applications I applied for with my credit union shows decline due to too many inquiries I have tried everything please help.
<P/>
Equifax shows XXXX disputed XXXX disputed XXXX disputed I am trying to re establish my credit and I ca n't move forward with multiple inquires
Consumer complaint received 2023-07-30
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (MN)

Going back to XX/XX/22 Aspire Servicing Center negatively reported default on my credit report stating that I was not making payments on student loans during the Presidential Freeze on student loans. They refuse to remove the default report even though there was a Presidential freeze.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly depressed upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. 

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both XXXX XXXX Code XXXX ( b ) and XXXX XXXX Code XXXX ( XXXX ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2023-09-24
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. (CA)

To whom it may concern : I am officially asking you to review your data on file for me! As per the Fair Credit Reporting Act ( FCRA ) section 611 and Metro 2 compliance standards, I challenge all inaccuracies of reporting. My profile shall be accurate, authentic, complete and with timely verification by you of each piece within my credit report so that we can document how well they are being kept up-to date.The information in my credit report and below is not accurate. It was never proven to be factual or compliant with reporting laws by any means, so I'm going through the process of correcting this oversight permanently! The time has come for consumers to take back their right of access. I am demanding that factually accurate, verified and compliant data be documented on my credit report so it can accurately reflect me as a person with good standing in society! I also require the permanent removal of any inaccuracies immediately! I am deeply concerned about accuracy, so please take care when checking your work.The way you present your information about me is important. I demand that all inquiries within my credit profile have a permissible purpose and be accurately sourced, so we can stay on top of any potential issues before they become problematic to my future. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXXXXXX XXXX ( XXXX ) - ( XXXX ) XXXX
Consumer complaint received 2018-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC (MD)

My loan has been sold about 4 times since I first opened it in XX/XX/XXXX. The current company, XXXX XXXX, has claimed I have no hazard insurance, and they threatened to make me pay for additional insurance. This information was transferred when the loan was sold. I also had my insurance company fax the information. Today, XX/XX/XXXX, I got a letter, dated XX/XX/XXXX, that this was my second and final notice regarding hazard insurance. They again said I do not have any. I called and ask why they were sending this. They said they never got any information from the insurance company. I then said the information was faxed. They then said they did get information, but it wasn't sufficient. The obviously lied initially and are now claiming there is not enough information. They told me to send the information again. I told them I would, but asked how I would know it was sufficient this time. They said they wouldn't. I would have to call or ultimately pay the additional fee. They are making it impossible and seems like a scam, to say the least. I don't know what to do. I plan to get a lawyer involved, as this seems highly illegal. Also note : in my 2 months with this company, this is not my first issue.
Consumer complaint received 2017-11-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Machol & Johannes, LLC (CO)

Once again, Machol & Johannes has failed to send me the paperwork required by Colorado state law. They garnished my bank account on Monday, XX/XX/XXXX. By Saturday, XX/XX/XXXX - MORE THAN A MONTH LATER - they still had not sent the proper notification and exemption form so that I could fight it in court. Now the deadline has passed.
Consumer complaint received 2018-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NV)

On XX/XX/2018 I send a letter via Certified Mail to XXXX XXXX XXXX to validate the debt they are claiming that I owe of {$310.00}. The original creditor is XXXX XXXX. I have no knowledge of being acquainted with XXXX XXXX or XXXX XXXX. I specifically asked for any signed agreements made by myself and XXXX XXXX or XXXX XXXX stating that I have an obligation to pay them for the alleged debt. They were unable to provide validation of the debt but they have not closed/deleted this from my credit report.
Consumer complaint received 2018-07-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (CA)

MoneyLion shows my payments current, but reports as delinquent. XX/XX/2017 - Loan Approved XX/XX/2017 - First payment of {$170.00} due and set to withdraw from my XXXX  XXXX XXXX checking account, but the account was not funded so I added my XXXX XXXX, XXXX. account ending in XXXX to my profile. XX/XX/2017 - MoneyLion attempted to debit payment from my XXXX XXXX account. I received an email from XXXX XXXX notifying me that payment was not complete. I forwarded the email with the explanation to XXXX. I did not receive a reply ( email attached ). XX/XX/2017 - Automated email from MoneyLion that scheduled payment was not processed successfully. XX/XX/2017 - Notified via email that account has been placed into Collections. I called and spoke with a MoneyLion representative and explained the situation with accounts. She informed me that when you add an account online, it does not do anything. New banking information must be added over the phone. I told her to keep the XXXX XXXX account ending in XXXX the same and we can use that account going forward. I was set up on a new plan. I expressed my concern about any fees I had acquired since I did make the banking change online and contacted MoneyLion support via email. I was told an adjustment would be made and my payments would be for the correct amount, without penalties. I funded my account for {$170.00} and a withdrawal was attempted for {$200.00}. After numerous phone calls, I eventually connected with XXXX XXXX, Retention Department Account Manager. Once I had her email, I continued to use her as my point of contact. Our entire email conversation is attached. She was able to see the confusion in my file and get my payment organized. I spoke to her about my concern with my credit report. She on multiple occasions told me via email and phone that my concerns have been escalated to a supervisor and they would be addressed. I never heard from a supervisor and have never again spoken with XXXX. MoneyLion shows my payments current, but reports as delinquent ( screenshots of both my MoneyLion account and credit report attached. ) When I did finally speak to a supervisor, they told me that I am in their in-house collections, so even though my loan is receiving regular and current payments, MoneyLion will still continue to report my account as delinquent until the loan is paid off. I do not know if XXXX was collecting as a first or third party collector, so I don't know my rights under the FDCPA and Federal Trade Commission XXXX Opinion. For months I was misinformed about my credit reporting. When I spoke to the supervisor, I asked him to read me all the notes on my account. He informed me that XXXX had escalated my claim, but management decided not respond. Because of the damage this 90 - 119 day delinquency status has done to my credit file, I have had other accounts closed or credit limits decreased citing 'SERIOUS DELINQUENCY '' and " TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN ''
Consumer complaint received 2017-11-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had a loan from capital one auto finance, the address on my lean title does n't match with what been set up online, i unfortunately tried to resolve the issue with capital one auto finance, but they could n't help me, i also have two credit cards ending by XXXX and XXXX, but there is no problem with my address. The only problem occurred when i just want to update my right address :XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. Both are the same. capital one auto finance had a restriction on there website, not to allow 32 characters, and not to let me also use XXXX XXXX XXXX XXXX XXXX WHICH is less than 32 characters. If this issue never been resolved i will never get my car after paying off the loan to capital one auto finance. the principal original loan was {$32000.00}, with a monthly payment of {$590.00}, payable every thirteen of the month.