davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-20
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2023-05-23
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX 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
Consumer complaint received 2021-05-14
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (NJ)

XXXX purchase order number : XXXX date of purchase : XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX : XXXX I bought a XXXX watch from XXXX. The Seller contacted me as it was a local pickup. I said I am in NJ and that he would have to send it. He spoke in what seemed to be a XXXX accent. He said he was going out of town and that he would mail it while he is traveling which he eventually did via XXXX. There was no name or return address on the package. I thought this odd but paid no attention to it at the time. 

When I opened the package, I knew it was a fake watch. I took it to my jeweler/watch dealer XXXX and got paperwork from him stating it was fake. 

I filed a complaint with PAYPAL disputing the purchase because XXXX had failed miserably on three occasions regarding previous disputes. I thought PayPal would be more expedient, but they were not. They sat on this for WEEKS. I called weekly with an update and they had nothing for me. 
Because of their lax handling of my case, I called PAYPAL XXXX XXXX XXXX XXXX and had them reverse the charges and open a dispute for the {$1500.00}. 

Within a week, the bank issued me credit but within two weeks they put it back on my account stating that the merchant said I refused to return the watch for a refund. Which is preposterous. 
I do not know his name or have any contact info for this guy at all. I can not even send him a message via XXXX because they suspended my account for complaining too much and disputing this item. 

I told the bank that if you give me his contact info, I will be sure to send his merchandise back to him, but the bank said it is a privacy law that precludes them from sharing his contact info with me. 
I said that does not make sense. How am I supposed to return the item if I do not have an address? 
Pretty much they told me that is my problem. That bank XXXX In the interim, someone charges {$480.00} on my PayPal XXXX Account. I disputed that with the bank, and they said it was a re-charge from XXXX. I said what was it for and why didn't it go thru then? Who was the merchant? The bank could not answer any of the questions, so I said that is straight-up fraud. I am not paying for that. Even though both these items are still being disputed, the bank keeps charging me interest and late fees on the money ( roughly {$2000.00} XXXX even though they state in writing that they would not do that but when I ask them to adjust the account they refuse. 

This {$1500.00} issue has been going on since XXXX 2020. The bank keeps closing my dispute as resolved in favor of the merchant, but I keep reopening it. 

I am at my wit 's end! I need your help to get my money back. The seller is obviously a fraud.
Consumer complaint received 2024-08-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (KY)

I took a student loan from Edfinancial Student Loan Services. I took the loan out XX/XX/XXXX. It was {$1700.00}. I then paid for this loan on XX/XX/XXXX. I closed the bank account that I paid for loan with a few months later. Edfinancial did not start calling or emailing me that they " did not receive my payment '' until late XXXX. I was told during one phone call that the money was returned to me, even though I never received the money back into my account. They then told me XX/XX/XXXX that they did not receive the money due to " insufficient funds. '' This is untrue because I had sufficient funds in the bank account from the time of payment.
Consumer complaint received 2024-07-05
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. (NV)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2016-07-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

The most recent date for the change in interest rate on our mortgage was XXXX XXXX, XXXX. Nationstar did not send the disclosures required by 12 C.F.R. 1026.20 ( c ) prior to the change in interest rates. Nationstar has not sent us monthly mortgage statements in 14 of the 36 months since taking over servicing on the loan on XXXX XXXX, XXXX. Nationstar did not send mortgage statements for the months XXXX XXXX through XXXX XXXX and then sent statements in XXXX and XXXX of XXXX. The XXXX and XXXX Statements have conflicting information concerning the interest rate on the loan and the monthly payment amount, plus unexplained fees. The XXXX Statement shows a interest rate of 3.00 % through XXXX/XXXX/XXXX and a monthly payment of {$1900.00}. The XXXX Statement shows an interest rate of 3.50 % through XXXX/XXXX/XXXX and a monthly payment of {$1500.00}. In XXXX Nationstar did not provide the disclosures on the loan regarding the first change in interest rate on the loan required by 12 C.F.R. 1026.20 ( d ). All totaled, in the three years Nationstar has serviced our loan they have not provided 14 monthly Statements and two required disclosures concerning interest rate changes. Even after multiple requests, Nationstar has also failed to provide a copy of the Note with any modifications thereto as required by California Civil Code section 2943 ( b ) ( 1 ). Despite previously filing multiple complaints with the CFPB and the California Department of Business Oversight, Nationstar continues with its scofflaw ways.
Consumer complaint received 2023-08-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Collection Systems, Inc. (GA)

I discovered that National Credit Management has reported a collection account for a debt that I believe may not be valid. I have not been properly informed about this debt, nor have I received any communication or documentation from National Credit Management regarding its legitimacy. This lack of transparency has left me deeply concerned about the accuracy of this debt reporting and its impact on my creditworthiness. 

It started on XX/XX/XXXX. The last reporting is on XX/XX/XXXX. The account is XXXX dollars. It is to my understanding that the XXXX XXXX XXXX XXXX  have sold my account to them and they got a credit from the IRS when filing my account as a loss.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-08
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (CA)

I was told that I still owe a balance of {$2800.00} dollars. Even though I sent previous payments in 2022. My balance shouldnt still be this much. I have struggled even became homeless previouslywith no way to pay off this debt. Ive been getting non-stop calls and texts. I would consider this harassment. I havent had a stable job to pay this off let alone XXXX. My remaining balance should be {$800.00}. I do not want to be contacted by this debt collector anymore.
Consumer complaint received 2024-07-05
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. (NJ)

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts I listed below. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

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.

, 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 1681c. ( a ) ( 5 ) selection 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.

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 accurate. 
The items on the ACCOUNT are as followed : 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 XXXX
Consumer complaint received 2022-01-20
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)

A former boss, pre paid money into my credit card and bought the goods with my credit card and then called his bank to stop payment saying that it was a fraudulent transaction and the credit card company ( XXXX XXXX ) is saying that I owe the money. I went to the FTC and the FBI about the matter and nothing has been done. It ruined my credit score and I want to sue XXXX XXXX because I lost a job opportunity because of it.
Consumer complaint received 2024-07-05
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. (GA)

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 : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : XXXXXXXX XXXX Account Name : XXXX and 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.
Consumer complaint received 2024-07-05
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. (MA)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Consumer complaint received 2022-01-20
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. (CA)

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. This account is 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 many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. ( XXXX XXXXXXXX XXXX )
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My account with ( XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH capital 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 reported in ( MONTHS REPORTING LATE ) to be removed. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) 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 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2022-01-20
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau date the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-05
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. (FL)

I have sent a lot of previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum. I recently pulled my credit report and noticed that you were reporting against the FCRA standards. How can I possibly owe two balances to two different companies for one account? Please explain to me how I owe this same alleged debt to two companies? The account was paid in a settlement and therefore removed from my credit report. The account was sold to a collection agency without my knowledge. The account was settled with the collection agency. It seems to me as if you are unclear yourself otherwise you wouldnt be reporting these erroneous accounts. Please delete this account from my credit report immediately. I would like to resolve this and I will consult with an attorney to pursue legal action.
Consumer complaint received 2022-01-20
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: AMERICAN EXPRESS COMPANY (FL)

A former boss, pre paid money into my credit card and bought the goods with my credit card and then called his bank to stop payment saying that it was a fraudulent transaction and the credit card company XXXX American Express ) is saying that I owe the money. I went to the FTC and the FBI about the matter and nothing has been done. It ruined my credit score and I want to sue American Express because I lost a job opportunity because of it.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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.