davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-09
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. (CO)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-29
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. (VA)

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 I am reporting an issue under Section 605c of the FCRA ( Section 605c of the Fair Credit Reporting Act ). Thank you for your attention to this matter and express your hope for a prompt response. I am reporting an issue of inaccurate information of numerous account balances that is not mine. This information is highly affecting my credit score and my ability to secure loans. Please remove these accounts. These accounts are not mine. 
Please have these accounts removed as soon as possible. These accounts listed are not mine.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

To Whom It May Concern, According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of incorrect and outdated personal information on my credit report. The inaccurate data reported negatively impacts my creditworthiness and violates my rights under federal law. Delete this from my personal credit report now! 

Incorrect Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Previous Address : 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 2024-09-06
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: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-06
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. (TX)

I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.
Consumer complaint received 2017-11-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MD)

I had been charged a late fee because ditech had raised their rates. 

However, they failed to deliver proper notification of the raised rates. I had never missed a payment in over 10 years. There was no mention of the raised rates ( as at the time I was paying via internet ). 

All dates below are XX/XX/XXXX. 

XX/XX/XXXX : I email ditech about the situation. 

XX/XX/XXXX : ditech confirms there is no late fee balance ( via email ) XX/XX/XXXX : ditech explains their payment structure where funds from fines are withheld and not used to fully pay off the late fee, thus occurring in another late fee charge ( I have this confirmed in writing by ditech ) XX/XX/XXXX : Another late fee is charged, despite having been assured no charges would be incurred. We paid an extra {$120.00} XX/XX/XXXX : ditech assures, in writing, that money will be applied to the next month 's statement XX/XX/XXXX : I email ditech because they failed to credit the additional money they received. 

XX/XX/XXXX : ditech responds explaining that the money was used to pay off a fine from XX/XX/XXXX ... explaining there are existing charges and fines that I was no notified of Summary : ditech charges fines that are unwarranted. then explains that when a fine is paid ... they use the money to partially pay off the fine, thus leaving an unpaid balance in tact. when they received more money, they instead bring up more fines that were never mentioned. 

ditech has consistently withheld information of my account and ( assuming that these charges are not also nonsense charges ) failed to fully explain how to pay off any existing fines. Also, their payment structure is designed so that fines are never paid in full, and instead held in " unapplied funds '' ( I have this in writing from ditech ). 

-- - I have attached the full email conversation with ditech ... I will checklist the relevant pages Page 4 : ditech confirms that they do not use the money received to fully pay off the bill Page 5 : ditech presents a chart confirming that they do not use the money received to fully pay off any fines or charges ... instead they withhold the money in " unapplied funds '' Page 7 : ditech is informed they received an extra {$120.00} and is asked to credit that amount to the next month 's bill Page 8 : ditech explains the payment will be held in " unapplied funds '' and if I so choose, they can set something up to have the funds applied on the next payment ( note : having extra funds applied to their next bill is not the default action, their default action is to hold the money in " unapplied funds '' ) Page 10 : ditech is made aware that the promised credit was not applied and of my plans to file a complaint with the CFPB Page 11 : ditech brings up 2 separate charges " principal '' and " corporate advance '' ... both charges were never mentioned in the 2 month conversation about fees and charges ... 1 charge apparently from XX/XX/XXXX was never mentioned in the past 3 years.
Consumer complaint received 2024-09-29
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. (PA)

According to the IRS guidelines, creditors are required to issue a Form 1099-C when they cancel a debt of {$600.00} or more. To date, I have not received this form for the aforementioned account. The absence of this document suggests that the charge-off may not have been properly processed, and I believe it should be removed from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. As this charge-off is not accompanied by the necessary 1099-C documentation, I kindly request that you investigate this matter and remove the charge-off from my credit history. 

Please let me know if you require any further information from my side to facilitate this investigation. I appreciate your prompt attention to this matter and look forward to your timely response.
Consumer complaint received 2023-09-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I'll never understand why people in America 's corporate box spend tens of hundreds of thousands and four to eight years in college just to graduate get the highest paying jobs that requires ABSOLUTELY nothing but to lie lie lie every day, bank of America how ever they reached out to you lied, everything everyone I spoke to for two 1/2weeks said,,, We Absolutely CAN not access your account unless your current number is in our system, I'm taking about at least 30 bank of America employees told me that same exact lie, well I knew I would reach a boa employee that has a brain that's separated from liers up top and did his job by using my SSI number to DET INTO My ACCOUNT, can you believe that, now their saying it's still in progress, you know what than say 's to me, a criminal Is a criminal if they went to the most expensive colleges of a XXXX XXXX XXXX XXXX XXXX la
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

In XX/XX/XXXX, I contacted XXXX XXXX to report inaccuracies in my personal information on my Consumer Report, specifically the incorrect spelling of my name and unassociated addresses. I requested documentation confirming the deletions once they were completed, but XXXX never responded. In XX/XX/XXXX, I called the XXXX call center and spoke with a representative who assured me that the additional names and addresses had been removed and that a new report reflecting the deletions would be sent to me, which I never received. In XX/XX/XXXX, I contacted the call center again, and the representative confirmed that only my correct name, mailing address and physical address was listed. He stated that if the incorrect information still appeared on my report, a tech ticket must be submitted to resolve the issue and that he was submitting that ticket. As of today, XX/XX/XXXX, my credit report continues to display incorrect names and addresses with which I have no association.
Consumer complaint received 2020-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (GA)

Franklin Collection Services is attempting to collect on a debt that is allegedly owed by me to XXXX XXXX XXXX. Case # XXXX. 

On XX/XX/XXXX ( via certified mail ) and then again on XX/XX/XXXX, I sent XXXX XXXX who is an account manager at Franklin Collection Services a FTC Identify Theft Affidavit attesting that the account in question was result of identify theft. Mrs. XXXX confirmed receipt on XX/XX/XXXX. Mrs. XXXX attempted to inform me that she needed to allow XXXX XXXX XXXX to conduct its own investigation, however, this is in direct violation of Federal Law since Franklin Collection Services is the furnisher of the erroneous information to the credit bureaus, not XXXX XXXX XXXX. 

Since Franklin Collection Services is currently furnishing the XXXX XXXX XXXX account to the three credit bureaus, and I have sent Franklin Collection Services a FTC Identify Theft Affidavit, Franklin Collection Services is mandated to immediately remove and retract this information from the credit bureaus pursuant to FCRA 623 ( a ) ( 6 ) ( B ).

The statue reads : " ( 6 ) Duties of Furnishers Upon Notice of Identity Theft-Related Information ( B ) Information alleged to result from identity theft. If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. "
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (MA)

In XXXX of 2024i permanently opted out of promotional credit screening with the three credit bureau ( XXXX, XXXX and Experian and all three credit bureaus are still doing soft inquiries into my credit without my permission after I opted out. 
XXXX XXXX I opted out from them a year ago and they are doing up to XXXX credit check per month. 

I called today and all three credit bureau their representative stated it says I am opt out. I asked them then why are the credit bureaus still checking my credits. XXXX is also doing soft check on my credit. 


Why arent these companies not following the guidelines set by CFPB
Consumer complaint received 2024-10-27
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (MD)

The credit collection was reported inn my credit and I tried contacting them and they would not listen to me to remove it because this collection is apart of my on going identity theft.
Consumer complaint received 2023-02-26
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. (LA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-10-21
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (PA)

I tried to make my first payment on XX/XX/2024, after multiple phone calls I was put through to a XXXX  who represented as a real person. Put my card info into the system so I they would pull my payment and set up for auto pay. The XXXX of XXXX I noticed the payment did not come out. I called the company, automatic system kept saying I did not exist in the system. I came out of work on XX/XX/XXXX to my car being gone, I did not receive any call. The other lady on the car loan claimed the dealer had called her after car was taken. I call Westlake to find out what was going on, they advised me to make my payment and I would be able to go to dealer to pick up my car. The reprehensive pulled most of payment from card on file I had originally put on there to have automatic payments taken from. He had no issue. I spoke to dealer after this call with representive and he told me he would get right back to me he had to call them to verify. He did not get back to me until the next day. He had informed me he couldn't give me car due to contract being cancelled. I called multiple times to speak to Westlake, I was hung up on a few times and other times given a different story each time on what had happened. XXXX a supervisor from Westlake did inform me of a " system error '' with my payment and admitted seeing my attempted call on XX/XX/XXXX. I spoke to another representive who said my card was declined. Then another one had another story. I then decided to go straight to dealer because this information was inaccurate and at this point very suspicious. XXXX the dealer showed me some paper work for a repossession order and I gave him all the proof I had, he call his contact through Westlake by the name XXXX who agreed something did not seem right. I was then asked to submit proof of call and money in the account at time of payment for an " investigation ". I submitted the requested information and every follow up I made I was brickwalled, requesting the same information I already sent. After I realized I was not getting anywhere with XXXX I called back to Westlake, when finally spoke to someone who actually would give information he informed me the investigation was not real. I then requested the transcripts of every recorded conversation and they refused to give them to me and stated to go get a lawyer if I want them.
Consumer complaint received 2023-07-25
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. Thank you. 
XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

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 all unauthorized accounts and inquiries.
Consumer complaint received 2023-02-26
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. (TX)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear credit bureau, I was reviewing my credit report and found inaccuracies on my credit report. The creditor, XXXXXXXX XXXX, was required to send me specific paperwork within a certain period of time regarding where it was sold and the balance of the alleged account. The alleged debt dollar amount and late payments appear to be inaccurate. I didn't receive the paperwork and the account needs to be removed as laws have been broken. How did your credit Bureau verify this account and what information do you have to send me proof of proper investigation? I want itemized receipts about the account as well. If you do not have this documentation and can not provide it within the next 30 days, i demand the account listed below be deleted immediately for violating my FCRA rights. XXXX XXXX Bank
Consumer complaint received 2024-09-29
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. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Reporting Agency Name ] TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 605B Dispute of Fraudulent Information Dear Representative I am writing to dispute inaccurate information on my credit report under Section 605B of the Fair Credit Reporting Act ( FCRA ). and the information listed below is a result of fraudulent activity and should be removed from my credit report immediately.

1. Creditors Name : XXXX XXXX. Account Number : XXXX according to FCRA section 605B its is illegal to report information on the consumer report without permission from the consumer. Can you please remove this negative information. 

Please investigate this matter and remove the fraudulent information from my credit report. I would appreciate a written confirmation of your receipt of this dispute and the actions taken to resolve it. 
This account was removed from other credit agencies please removed this account Thank you for your prompt attention to this matter. 

Sincerely, [ Your Name ] XXXX XXXX XXXX
Consumer complaint received 2024-10-27
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: Debt Recovery Solutions, LLC (WI)

XX/XX/year> I contacted the original creditor requesting for a 1099-C because the debt had been charged off and the original creditor stated they had to get the documents together and get it over to me but never responded back with the documents. Then, the debt was sold to a debt collector without my knowledge and placed on my credit report.