davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE STATUS AND BALANCE, ETC OF THIS ACCOUNT ON MY CONSUMER REPORT IS INCORRECT. ACCORDING TO THE FCRA IT IN VIOLATION OF THE FCRA. 
XXXXXXXX XXXX. PLEASE CORRECT THIS INFORMATION.
Consumer complaint received 2024-05-20
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: Experian Information Solutions Inc. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-02-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upgrade, Inc. (AZ)

I secured an online personal loan from upgrade.com in XX/XX/XXXX. They gave me a rate reduction if I made the payment from an upgrade checking account. My first payment was due on XX/XX/XXXX. That payment was made on time. I have made the following subsequent payments to the loan on the following dates : XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX. All payments were made ahead of the due date. In late XXXX I was receiving collection calls from upgrade. I logged into the upgrade app, it showed I was delinquent even though I was ahead in my payments and I called them and spoke to XXXX. She stated it appeared to be a system error, and that she escalated to management and then put in a ticket to find out why there was a billing error. Then on XX/XX/XXXX I received another collection call. I called in and was told that the previous ticket had been submitted but they confirmed I was not late, it was their error, and a manager was handling it. I expressed great concern because I am employed by a financial services company that monitors my credit. If I have poor credit, this can affect my work. They assured me that nothing had been reported to the credit bureaus and that the error had been resolved. On XX/XX/XXXX I received multiple alerts from credit monitoring that I had a 60 day delinquency showing on my credit from Upgrade. I called upgrade again and was transferred to XXXX who said he was a resolution team member and that he was submitting another ticket to correct the incorrect reporting. I explained grave concern over my credit being affected because of my job and my good credit history. He stated he could verbally tell me that upgrade made the error but he could not provide me anything in writing and that i would have to wait 30-60 days until the credit reporting agencies got his dispute correction. I asked multiple times to have something in writing and I was denied. I find it incomprehensible that a financial company can make an egregious error and verbally admit to it, but won't put it in writing to remedy the consequences the error is causing.
Consumer complaint received 2024-05-20
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. (AZ)

I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.
Consumer complaint received 2019-06-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NV)

I wanted to refinance with cash out. 

Quicken loans sent an XXXX and appraisal report came out lower than what comparables should have been, because the XXXX used smaller floor plans instead of same floor plans. 

When I researched I found out that Quicken hires and uses XXXX XXXX, which is a parent company. 

There is a clear " CONFLICT OF INTEREST '' since Lender/Client and XXXX are working for the same company!
Consumer complaint received 2024-06-23
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (FL)

Dear CFPB, Member ID : XXXX Experian is reporting invalidated information on my credit report which is against the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2. Furthermore, despite multiple attempts to resolve this issue directly with Experian, I have not received a satisfactory response. Additionally, Experian has prevented me from disputing items on my credit report, which violates my rights under the FCRA, specifically 15 U.S.C. 1681i. I am aware of my rights stating that it is a violation of federal and Florida state law to report false information on a consumer or to maintain information without the consent of the concerned party. 

Therefore, I am requesting that Experian substantiate the claims made under XXXX XXXX in order to properly verify its accuracy. The following can be substantiated by submitting the following pieces of information : * Proof of the existence of the alleged account and/or contract in the actual name of XXXX XXXX XXXX duly signed by both parties. 
* Proof that the agency listed for the claim ( XXXX  ) is the current holder of the original note of the alleged debt and that it has never been sold to another party. 
* A true certified copy of the actual accounting showing that Affirm incurred a loss on the alleged debt in accordance with Generally Accepted Accounting Principles ( GAAP ) and the Internal Revenue Service. 
* Proof that I, XXXX XXXX, gave consent or permission for Experian to share my private transactions, as required under 15 U.S.C. 1666b. 

Should the claimants or Experian fail to provide credible evidence as prescribed within this document, I, the Agent for XXXX XXXX, request that Experian delete the following accounts from my credit report immediately and forward the results to me at the above-mentioned postal address : XXXX ( XXXX, XXXX, XXXX ) XXXX : XXXX If Experian fails to make any reasonable procedures to resolve this matter and delete aforementioned accounts from my credit file or provides any frivolous responses, Experian will be held criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. 
I will also follow up with an invoice for said violations ( {$10000.00} ] per violation ). 

Sincerely, XXXX XXXX Agent/Beneficiary
Consumer complaint received 2024-05-20
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: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-05-20
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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-20
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. (CA)

I'm DISPUTING inaccurate personal information found on my credit report. This information is NOT ME and I have NO RELATIONSHIP to it. Please remove this information from my credit report immediately- If you continue to report inaccurate information I will be filing a lawsuit for willful noncompliance to FCRA regulations. XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Consumer complaint received 2024-05-20
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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-06-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cedars Business Services, LLC (AZ)

Cedar Financial aka Cedar Business Services keeps attempting to get me to pay for interest accrued on medical debt. I did not agree to interest terms. On several accounts for medical debt owed. File # : XXXX, XXXX, XXXX, XXXX XXXX all have interest applied to the principal amount. On XX/XX/2019 they falsely claimed to the Credit Bureau as Loan Installment instead of reporting as debt collection or medical debt. I have talked to them multiple times but they continue to skirt the law, for there fraudulent claims and misrepresentation of facts. My rights are being abused according to the The Fair Debt Collection Practices Act.
Consumer complaint received 2024-05-20
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: Experian Information Solutions Inc. (MA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative items was submitted on XX/XX/2024, and I have not yet received a response. ''
Consumer complaint received 2024-07-06
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: BSI Financial Holdings, Inc. (TX)

I used the COVID forbearance program in XXXX. BSI financial received the payment from the VA for XXXX in XXXX of XXXX and BSI said I still owed XXXX. I agreed to a modification that had a 90 day trial. It raised my mortgage from XXXX to XXXX. I completed the trial XXXX of XXXX and have continued to pay the XXXX. My loan has not been modified, when I call they say that the documents are being completed and I am never able to get through to a manager. BSI is reporting to the credit bureau that I am 120 days past due and have continued to send me foreclosure notices. I have made every payment every month on time from the date BSI received the payment from the VA and it is destroying my credit. They are also not able to tell me what is going to happen to the extra money I have been paying as well as the extra payments I sent in an effort to catch my mortgage up.
Consumer complaint received 2024-06-23
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. (PA)

I did not give any consumer reporting agencies written permission to furnish XXXX XXXX XXXX accounts on my consumer report XXXX XXXX XXXX Account # XXXX 15 USC 1681b Clearly States Any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. That aggravated Identity Theft 18 USC 1028a because the have possession of my information and they are also using it without consent from the consumer
Consumer complaint received 2024-05-20
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: Experian Information Solutions Inc. (VA)

I am writing to file a formal complaint against Experian regarding their failure to address multiple dispute letters I have submitted concerning inaccuracies in my credit report. Despite my repeated attempts to resolve these issues directly with Experian, they have consistently ignored my correspondence and failed to correct the errors in my credit report. Details of the Dispute : XXXX XXXX : Account number : XXXX, Clarify the payment status, comments, balance and account number as I think they are erroneous. If you can not prove any of the information mentioned in the past credit report data that I contested with, I demand this account be deleted from my credit report. 

XXXX : Account number : XXXX, I dont understand how you are continuously able to verify this account! I dont recall ever being associated with this company that is unknown to me. Remove this extremely damaging inaccurate information immediately from my credit report. 

XXXX XXXX : Account number : XXXX, I already demanded a proof of how you dealt with the information that you indicated in my credit report. Again, you can not prove any of the information mentioned in the past credit report data that I contested with, please remove them on my credit history. ". 

XXXX XXXX : Account number : XXXX, There's no way you can update an account that I have no recollection of ever belonging to me. You need to remove this inaccurate information immediately from my credit report.

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that Experian complies with the Fair Credit Reporting Act ( FCRA ) requirements. I am seeking the correction of the inaccuracies in my credit report and a formal acknowledgment from Experian regarding the resolution of my dispute.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had a credit card with Capital One for many years but have not been using it recently due to their low credit line and high interest rate. After many months of not logging into my account, I was logged into the app and it asked me to update my income, to which I did. I did not request a credit line increase nor did I inquire about any other type of credit. I only provided the requested income information which I know is typical for a credit card company to verify. A couple of days later I received an alert that Capital One did a hard pull credit inquiry on my credit, which I did not authorize. I called Capital One immediately and they denied any involvement in doing this and said they don't see anything on their end. I was told to send a letter ( through US Mail ) to dispute it. I was very aggravated that this company did this and then lied about doing it and denied any involvment, that I decided to close my account with them. Over the next few days, I received alerts from multiple credit reporting and monitoring websites ( XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX ) verifying that Capital One did in fact pull my credit and this lowered my score. I am in the planning stages of a business investment and this now reflects that I am preemptively shopping for credit to which I am not. I called the fraud dept of Capital One yesterday and they said they can not do anything, I need to call the credit bureaus. I called XXXX and they said I need to call the company that pulled it and ask for it to be removed. No one is accepting responsibility or helping me get this resolved. These companies should not be allowed to get away with this type of behavior. I want the inquiry removed from my credit.
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/year> I made a XXXX Payment to Capital One Credit Card ending XXXX and on XX/XX/year> I attempted to make a transaction but was declined. I then realized that the credit limit on the card was {$0.00} when it should have been {$300.00} available. After feeling embarrassed and stressed I contacted Capital One and informed them that I was attempting a transaction and was being denied and that the denial was causing me an adverse affect. I was told by XXXX XXXX ID : XXXX Fraud Specialist that Capital One was going to hold my funds for XXXX ( XXXX ) days until they decide that the funds are acceptable for them. I informed them that these funds were already taken out of my checking account and I had no more funds other than my expected available credit on the credit card ending in XXXX. They told me that there's nothing they can do and it was my problem and I had to solve it myself. I was shocked and felt discouraged and abused. 


On XX/XX/year> I then made another payment to Capital One Credit Card ending in XXXX for {$290.00} and again the funds were taken out of my account yet the credit limit on the credit card wasn't available. I tried to enter a transaction and was again denied causing me stress and anxiety. I then contacted Capital One Bank and informed them that I needed to use the credit card ending XXXX and I was told by XXXX XXXX ID : XXXX Fraud XXXX that the funds will be on hold until XX/XX/year>. I informed this agent that I didn't understand why if I had the funds removed from my checking account and what law states that this is something this bank can do? I was told that this is how things worked, I then was told by XXXX XXXX ID : XXXX Fraud Specialist that I must allow her to call the bank where they received the funds from to verify whether the funds were available. I declined because I did not wish to share my personal information with another bank to Capital One. I was told that I would not be able to get any assistance if I didn't. I then asked for a supervisor and was denied and the agent hung the phone up on me.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-04-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (MN)

Venmo I opened an account to help a friend transfer funds. I was not allowed to transfer, to any account. So I bought crypto to transfer that. The crypto I bought takes me 2 minutes to buy but venmo made me wait 5 days for their service provider even after complaining I want to return the service and close the account. Then after the 5 days, with no reason the locked the account for a week. Then after complaining yet again, trying to close my account and not even caring about fees for services the failed to provide. They froze the account for 180 days with me very adamant about not giving consent and they are stealing my money. I've tried 2 times since and I get told the same manager response by pasted saying account closed wait 180days for fraud prevention. They have broken many maxims of Law, many laws and all of the workers just go along with it
Consumer complaint received 2024-05-20
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: Experian Information Solutions Inc. (GA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative items was submitted on XXXX XXXX XXXX, and I have not yet received a response. ''