davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-29
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. (FL)

These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done may attempts to reach out to 3 Credit Bureaus but the failed to give me any results or feedback 's about this concern. Please investigate and remove it from my personal credit file. Thank you. INQUIRIES : XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX  XXXX Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX Date XXXX Balance Owed : {$460.00}, XXXX OF XXXX XXXX Date XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$17000.00}, U S DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, U S DEPT OF ED/XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$0.00}XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$460.00} XXXX U S DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DP OF XXXX XXXX Date Opened:07/01/2015 Balance Owed : {$0.00}
Consumer complaint received 2023-03-29
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. (WA)

Account name : XXXX XXXX XXXX Account number : XXXX Account type : Debt Buyer Date opened : XX/XX/XXXX Status : Collection account. {$450.00} past due as of XX/XX/XXXX. 

XXXX updated : XX/XX/XXXX XXXX : {$450.00} XXXX updated : XX/XX/XXXX This is an inaccurate credit reporting that I don't recognize. I filed a dispute with Experian, XXXX, and XXXX. But for whatever reason it remained on my credit report. They haven't provided any information on how exactly they verified the debt.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2024-10-04
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. (AL)

Im writing to file a complaint against XXXX XXXX XXXX because theyre incorrectly reporting late payment to the credit bureaus while Im enrolled in a COVID-19 recovery modification plan. This is unfair and has seriously impacted my credit, despite the fact that Ive been following all the terms of the agreement. 

Details of the Issue : Loan Servicer : XXXX XXXX XXXX Date of Enrollment in COVID-19 Recovery Modification : XX/XX/year> What Happened : I signed up for a COVID-19 recovery modification with XXXX XXXX XXXX on XX/XX/year>. Since then, Ive made every payment according to the plans terms. I was told that as long as I made these payments, my account would be reported as " current. '' But XXXX XXXX XXXX is still reporting late payments to XXXX, XXXX, and TransUnion, which is unfair and hurting my credit score. 
Documentation I Have : A copy of my COVID-19 recovery modification agreement. 
Payment receipts that show Ive paid on time, according to the agreement. 
A copy of my recent credit report showing the incorrect late payment entries. 
What I Want : I need the CFPBs help to get XXXX XXXX XXXX  to fix this. I want them to update my account status to " current '' on all credit reports and stop reporting these late payments. I also want an explanation from them about why this happened and a guarantee that they wont do it again. 

This has caused me a lot of stress and financial problems, and its affecting my ability to get credit. I need this resolved quickly so I can move forward without this hanging over me. 

Thank you for looking into this and helping me get this resolved
Consumer complaint received 2024-08-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: LendingPoint Holdings LLC (CA)

I got an email promising a loan from lending Point in XXXX XXXX XXXX  on XX/XX/XXXX @ XXXX than the calls start it to come in that I was approved but in order to make sure loan would go in with no problem they need it tol deposit money into my bank acct {$860.00} dlrs. 
they couldn't make the deposit for XXXX hrs so than they called me they need it to unlock my bank acct in order to that I had to give my info of logging because also it may be also my credit score was low but not to worry they will help me out with process. they sent {$860.00} I was able to send it back {$360.00} because XXXX XXXX was not working, they start it calling me and I told them I was busy to wait to see how can I return there money. they waited or at least that's what I thought they called my bank on XX/XX/XXXX claiming on transactions to please be returned I never made those transactions and the bank did put it back, I never called bank and at that point they told me not to worry about the {$500.00} they would make more deposit to increase my credit they deposit more money {$500.00} more and asked me to go to grocery store because my XXXX XXXX was not working, time went by they told me to send transactions receipt and also pictures and text for gift cards .as time went by I called and they kept saying payroll department taking long and I was waiting .I got busy with dinner and when I finished I checked my emails and I had emails from XXXX XXXX XXXX it said to call them immediately, I called and my acct had been closed already an i was band from XXXX XXXX for committing fraud, I have the email saved and text saved also and the gifts card I used to make transctions.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (TX)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XX/XX/XXXXAccount Number : XXXXXX/XX/XXXX Account Number XXXX XXXXXX/XX/XXXX Account Number : XXXXXX/XX/XXXXXXXX Account Number : XXXXXX/XX/XXXX Account Number : XXXXXX/XX/XXXX Account Number : XXXX
Consumer complaint received 2024-08-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC (AR)

I have paid Fay servicing a large sum of money and my payments have quadrupled since I paid them XXXX months ago. I need guidance with this because now they are also saying I owe back insurance when they never paid it because I found out it was t getting paid due to a storm and my bankruptcy lawyer not including it on my XXXX XXXX
Consumer complaint received 2024-08-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, and XXXX credit reporting agency , to block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal auto loan at XXXX  XXXX XXXX on XX/XX/XXXX under the account number ( private ), And a personal line of credit account opened at XXXX XXXX  on XX/XX/XXXX under account number ( private ) and that resulted in collections with a balance of {$4600.00} ( private ) that appears related to the aforementioned personal line of credit account opened at XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-08-28
Product: Credit 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: CITIBANK, N.A. (NY)

In XXXX of 2024 someone opened a XXXX XXXX citibank card at a home depo using my identity. The purchased about XXXX dollars worth of merchandise. I did not make this purchase and did not give anyone permission to use my information. I found out about the theft when a bill was delivered to my home. I immediately disputed it over the phone. I have also sent Citibank my police report, FTC affidavit and a letter describing the fraud. The are still holding me responsible and reporting it to the credit reporting agencies.
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tri-State Adjustments, Inc. (SD)

I was called in XX/XX/XXXX about a debt to something called XXXX XXXX that was from a fraudulent charge that a could prove I was not there as I was across the country most that year for work. They informed me that I needed to get a police report and to send that in. I looked into the police report, and it would require me to fly from my home in XXXX XXXX, SD to XXXX, PA costing me upwards of {$1000.00} not including taxes or a rental car to go and file a police report. XXXX police told me this had to be done in person and XXXX XXXX police told me I had to do it through XXXX as that is were the crime was committed. I was again called on XX/XX/XXXX and XXXX XXXX  and threated for this debt, and told that I was crazy and they didn't believe me ( they don't need to as it's the law ). Afterwards I did offer them the number of both departments if they didn't believe mw so that they could check for themselves but this was not good enough.
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I opened a checking account with Capital One lately and I received my first direct deposit from an employer. When I go to my banking phone app I notice something that says : Your funds are currently not available for withdrawal. please call us at XXXX. 

I called the number and spoke to an agent and the agent told me to go a Capital One branch. I went to a branch and the asks me for my ID, I provided my Employment Authorization Card which I used to open the account in the first place. The agent told me to provide another form of ID, and he asked me specifically for my password. On the next day, I came back to the bank with my passport. I met with another agent who asked me for my Social Security Card and I was upset and asked why they didnt asked me that yesterday. I came back to my place and bring back my social security card some minutes later. I met with another agent to whom I handed my Social Security card. She called on the phone multiple times, I waited for a long time just for the agent to let me know that my Social Security is so new that they had a hard time verifying it, and that was the reason they placed restrictions on my account. The agent couldnt provide a timeframe for the investigation. So I went out with the issues not resolved still. 

After some days, I called Capital several times only for them to tell me that they are still investigating. Last Monday, which was the XXXX XXXX XXXX XXXX I opened a checking account with another bank, and they didnt have any hard time verifying my social security. Today I called Capital One again, and they still investigating and I asked for details and they couldnt provide any details about the investigation. 

I being this was enough and I decided to file this complaint. Today I told the Capital One agent that I dont want any account with them anymore, I just need my money and close the account. The agent told me that I have to wait until they finish their investigation for that. This is frustrating and I want my money.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

This account called Portfolio Recovery Associates XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX : XXXX Account # XXXX should removed from my credit report. I'm not legally responsible for this account and I do not recognize this account. I called the credit bureaus the other day try to remove this account of my credit report. I'm going to upload my XXXX  ID card and Social Security card to try to verify my identity and prove that this account should be deleted from my credit report.
Consumer complaint received 2024-08-28
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp. (TX)

I was contacted by email from True accord who is trying to collect on behalf of XXXX XXXX XXXX. The debt originally owed to XXXX and is well over the 7 years statue I have requested to see and review the original signed contract signed at XXXX when service was set up. Since the first email I have received email after email.
Consumer complaint received 2024-08-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: JPMORGAN CHASE & CO. (NY)

Chase offers a XXXX guarantee if they do not close your home loan within 21 days. The loan was set to close on day 33 on XX/XX/year>. On XX/XX/year>, XXXX XXXX at Chase, she can be contacted at XXXX XXXX XXXX or XXXX, called me to advise Chase 's lawyer was nor informed of the closing date by the representatives handling my loan and, therefore, we could not close on XX/XX/XXXX. I reached out to one of the representatives handling my loan, XXXX XXXX XXXX, and she said that Chase did not have a lawyer via text message. In other words, XXXX did not even know Chase had a lawyer. Neither her or XXXX XXXX, a second representative handling my loan, informed the Chase lawyer of the closing date. XXXX XXXX instructed me that she was responsible for taking care of all the details leading up to the closing. She contacted me on XX/XX/XXXX and stated I was approved for the loan and we were ready to close. There was a glitch with the title, but it was cleared up on XX/XX/XXXX, and I have the paperwork to show the same. Therefore, since it is due to Chase incompetencies that the loan did not close, Chase should pay me the {$20000.00} guarantee.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, Transunioun and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ). 


The inaccurate reporting of both my account status and payment status by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-04
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)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-10-04
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. (OK)

After multiple attempts with disputing unauthorized accounts with the fraud department I have not received any requested documentation connecting me to any of the accounts being disputed. I have run into issues with XXXXXXXX XXXX upload portal to provide follow up documentation and when I called to resolve the issue I was met with an agent responding with the website seems to be having some sort of " lag ''. His advice was to continue attempting the upload and that he could close my dispute and reopen them to restart the investigation thus giving the creditor yet a fresh 30 day resolution time. The consumer reporting agencies are violating my consumer rights under 18 U.S. Code 1028A as I have reported to the agencies that I have filed now multiple IDENTITY THEFT REPORTS with the FTC and still no resolution as they respond they aren't able to verify the document even when provided the REFERENCE NUMBER.