davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2023 I paid my XXXX XXXX account in full. This account was from an old lease which I paid on time throughout the duration of my lease. I was taken advantage of by the dealership into getting a lease with mileage protection knowing I would be going over my lease miles. I was then charged {$2400.00} for mileage. I felt I was taken advantage of by unethical sales practices. I did not want to pay this for that reason. I am self employed and this transaction on my credit began to hurt myself and business. I decided to pay this account in full to better my credit. I made a payment over the phone with a representative and was told my account would be updated within 30 days. Since then XXXX XXXX has continuously reported on my credit incorrectly. Every representative tells me my account has been paid in full and it will properly be reflected however after each communication and dispute they either say on my credit report I settled and paid for less or that I owe {$10.00}. This is inaccurate as my account was paid in full. Account is under my maiden name, XXXX XXXX.
Consumer complaint received 2016-04-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PlusFour, Inc (CA)

I had a XXXX. We both thought I was still covered by insurance but discovered afterwards I was not. They billed me for approx {$700.00} for the total procedure and followup visits. I alerted them the insurance was not in effect so we negotiated the cost to around {$270.00} which I agreed to and paid by check. I even wrote " Paid in full '' on the check ... just in case. They made attempts about a year later to collect the old balance despite my paying the agreed negotiated price to the medical center. Now they have turn XXXX bill into XXXX separate bills. The {$270.00} I already paid then their re-calculated additional bills which did not arise until months after we had already negotiated the charges. The debt collector has now dinged my credit XXXX separate times for the XXXX incident which I already paid the agreed settlement amount. The woman, XXXX, at the medical center has lied because I believe their A/R people told her she should n't have negotiated with me ( just my 2 cents ) So I refused to be black mailed for additional money after negotiating the original cost. I have a copy of the cancelled check and an email from XXXX stating our " agreed negotiation would put my debt at {$0.00} ... she lied.
Consumer complaint received 2024-10-15
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: EQUIFAX, INC. (FL)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2023-08-02
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. (GA)

I am a victim of identity theft. I contacted " Equifax Alerts '' by phone on XX/XX/2023 Eastern standard time at XXXX am. I was connected to a representative in the dispute department by the name of " XXXX ''. I informed the representee that I was in fact a victim of identity theft and per the FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The representative stated the only two ways to dispute identity theft is by mail or fax. The representative then stated their fax machine was down. I stated I do not have the transportation or money to send documents certified and asked about the dispute option only. The representative then informed me he can dispute over the phone but would still rather I send documents for my Federal Trade Commission Identity theft report via certified mail. I insisted on uploading documents immediately online and to provide my identity theft report number in the dispute. The representative was very reluctant to and ended our call without giving me my dispute confirmation number and sent me back into the queue.
Consumer complaint received 2024-10-13
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: EQUIFAX, INC. (FL)

see attached for full complaint Dear CFCB Team, I am writing to formally dispute a duplicate account listed on my credit report. Despite my multiple attempts to resolve this issue, the erroneous account remains. 

The account in question is listed as # XXXX XXXX XXXX XXXX, and it is a duplicate of another entry on my report. Enclosed are supporting documents that confirm this error. I kindly request that you review my file and remove the duplicate to ensure my credit report accurately reflects my credit history. 

I Have enclosed two forms of identification to prevent any further stall tactics. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution. 

Sincerely, XXXX XXXX XXXX [ Enclosures : Supporting Documentation ]
Consumer complaint received 2023-04-19
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. (NJ)

remove this account # XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX account # XXXX. 
XXXX XXXX XXXX  account # XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

my account with XXXX XXXX XXXX  was never late. i have had an exceptional payment history with XXXX XXXX XXXX and all payments were on XXXX. 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 by the company and is not a reflection of my payment experience which violates USC 1681eb. this error has caused severe harm to my reputation, my character, my mode of living and to my family. 

I demand the late payments reported in XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> to be removed. 

They are not in compliance with the following law 15 USC 1666b and its requirements st 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 ) TIMING OF 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 that creditor has adopted reasonable procedures designed to ensure that each 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 XXXX  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 and fraudulent, and not equitable to me as a consumer.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

I 've just seen a report that the CFPB have, in my opinion, rightly, sued Navient, formerly XXXX XXXX. I had more problems in the beginning of my loan in regards to abusive calling, rising & outrageous interest ( sometimes due to deferment plans ), & unrealistic repayment plans/advice. My main 2 issues, however, would be that when I 've called to remove a co-signer, at least 3 times, they 've made it a much more complicated process than it should be, ultimately always denying the request. One such event was not alerting me to a payment that did not go through on their website and not alerting me, even a month later, that it had caused me to go late. Another was also not communicating correctly that when submitting paperwork to release the co-signer that they required redundant forms and when I submitted the form they cited that it had to be filed within 30 days of the original submission, thus leading to a denial of my request. Thank you.
Consumer complaint received 2023-09-11
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: U.S. BANCORP (FL)

Credit Card through US Bank was used to purchase a service from XXXX ( Online ) but the transaction was paid for using XXXX  ( installment agreement service ). The total amount was {$370.00} and the down payment of {$93.00} was required in order to complete the transaction. The remaining balance {$280.00} was then agreed to be paid for using XXXX in the subsequent XXXX months. That is, the {$93.00} down payment was paid to XXXX  using US Bank Credit Card and XXXX paid the whole transaction of {$370.00} to XXXX. Less than XXXX hours later, the whole transaction has been cancelled with XXXX and receipt for cancellation and complete refund has been provided. Days have passed and noticed the charge of {$93.00} from XXXX ( down payment using US Bank Credit Card ) has not been rescinded from the Statement. We reached out to XXXX  and was guaranteed that they may take about XXXX days for the charge to be completely removed from the account since it was refunded by XXXX and they do confirm and validate the cancellation of the transaction. Days later, the transaction was removed from XXXX 's Past Transactions, similar to what were informed with. However, the charge with US Bank is still shown on the Statement. A whole month has passed and the Statement Balance was paid with US Bank, including the {$93.00} charge that was supposed to be returned since the original merchant refunded the purchase. Multiple calls have been completed with US Bank regarding the charge, we have spoken with the XXXX XXXX  and currently speaking with the XXXX XXXX Supervisor to no avail. US Bank states -- XXXX sent them a letter saying they are unable to refund the transaction per the Terms Agreed upon. We requested for the same copy they received ( about last month ) and still have not received said copy of Terms. We have offered to do a XXXX XXXX call with US Bank and XXXX, so XXXX  can verify and confirm what we have been telling US Bank that XXXX  has refunded the purchase and closed the transaction, but US Bank remains unwilling to participate. We have spoken as well with XXXX  XXXX, XXXX, who was asking for the confirmation of refund from XXXX  -- and that was faxed over as well, but US Bank is still standing their ground in saying the information we provided ( the official refund receipt of transaction from XXXX  's main website does not suffice ), thus they are still unwilling to process the refund. We need assistance in resolving this dispute with US Bank. We have been compliant in anything and everything they have asked for as proof of the refund, yet US Bank has been prolonging the ordeal and has only been incongruent and vague about the whole refund process. The refund has been cleared, completed, and validated by XXXX and XXXX, however US Bank holding on to {$93.00} payment and is stating the refund was not issued.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

15USC 1681 a ( d ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX, Equifax is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If all this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

In XX/XX/2023 I called XXXX XXXX XXXX  and requested they verify a debt that is currently in collections. I asked that they send me information that shows I owe the debt but did not receive anything from them. I did a follow up with them in XX/XX/2023 but was informed that they had nothing they could send me to verify the debt. Before I could ask them to stop the collection on the debt until they send me verifying information the rep hung up in my face. Ive tried numerous times to get information regarding this debt and the validity of it but its been to no avail. I also contacted all 3 credit reporting agencies to dispute the debt, XXXX removed the information from my credit report but XXXX and Experian have yet to do so. They even have reporting errors on file such as date opened and date last active that they have failed to update since XXXX of XXXX.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (PR)

Identity theft and did not recognize or gave permission on over 12 closed accounts that are adversely affecting my credit fico score. 
DSPUTED FOR OVER 5 TIMES AND NO REMOVAL HAPPENED. 
These are the account details : XXXX XXXX LVNV FUNDING 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNV FUNDINGXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (TX)

On XX/XX/XXXX, a collection account was posted to my XXXX and XXXX credit files from Credence Resource Management on behalf of XXXX XXXX XXXX. I disputed the information. The account does not belong to me. I notified all credit agencies and Credence Resource Management by letter explaining this. 

On XX/XX/XXXX, XXXX informed me the collection account had been verified by Credence Resource Management as belonging to me. 

I contacted Credence Resource Management by phone on XX/XX/XXXX and spoke with XXXX XXXX  ( Customer Service Representative ). She informed me the debt was for XXXX XXXX, not XXXX XXXX XXXX as listed on my credit report for services at an address I have never lived at from XX/XX/XXXX - XX/XX/XXXX. 

XXXX did not provide the name on the account or the address. However, she did provide the associated account number and email address. I disputed the debt and explained I have never had a XXXX account ; nor have I approved or co-signed for such an account. I have never lived at the address associated with this account and asked for it to be removed from my credit file. 

I am a victim of identity theft due to the XXXX XXXX XXXX and have been fighting issues in conjunction with my stolen information for several years now. Every time I resolve one issue, another one occurs. I have filed numerous FTC reports since XXXX substantiating this fact. 

XXXX XXXX stated she would note my dispute and send the account back to XXXX XXXX for further investigation. I am beyond frustrated that a collection account can be posted to my credit file ( causing a 54-point drop in my credit score ) with no urgency from the reporting company to remove the collection once notified of the identity theft employed to open the account.
Consumer complaint received 2023-09-11
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. (CA)

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. 

XXXX XXXX real estate mortgage with account # XXXX opened on XX/XX/2006 and a balance of {$170000.00}. 

-unable to complete XXXX exchange because of this incorrect item.
Consumer complaint received 2023-09-11
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: FISERV INC. (CA)

The state of California in 2022 issued the Middle Class Tax Refund as a debit card. This service was contracted with the Money Network, apparently. The Money Network has been unable to help customers either 1 ) transfer money out of their activated online accounts or 2 ) receive help getting a new card. Every public phone number leads to automated help. This automates system is also broken, and gives messages about " technical difficulties '' before hanging up on the caller. I fall into both categories, I have an online account with the Money Network, but am unable to transfer my funds out. I also no longer have the prepaid card, so I can not use an ATM to receive my funds. 

These self-help numbers are : XXXX ( general automated help ) and XXXX ( for card activation, and lost or stolen cards ) I have called for four weeks and tried to get to the end of the automated help tree, but have been hung up on by the automate system every time, for every phone option. I was finally able to talk to a human through their online chat system, but they were unable to help as well. They also refused to connect me to a supervisor or any form of additional help. That transcript is included as a email file that I saved. 

I am also including a screen shot of the home page of the online account for the MCTR, serviced through XXXX XXXX XXXX, itself a a service of XXXX XXXX XXXX XXXX, which it itself inactive. The screen shot shows I have money within the account, but no option under " Money Out '' to transfer the amount to my personal account. There is also no option to send a secure message or contact any help. XXXX XXXX  XXXX also has a phone number, but it is completely automated and can not find an account by SSN and DOB.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

I filed a dispute with Experian for a XXXX XXXX credit card account that appears on my credit report twice. I've only had one credit card with XXXX XXXX but two are being reported. I filed several disputes, and talked to the appropriate department but this issues stll hasnt been resolved. My latest dispute was in early XXXX of XXXX XXXX XXXX verfied the inaccurate information on my account.
Consumer complaint received 2023-09-12
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)

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. 

Account Name : OAG CHILD SU Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.