davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CO)

Hello, On XX/XX/XXXX, I made a payment on my student loan serviced by MOHELA. I received a confirmation and my payment left my bank account via electronic transfer that same day. Today it is XX/XX/XXXX and the payment has still not posted to my account. The account shows a past due balance even though I paid the amount in full and they took the money out of my account. 

Guidance says the payments usually post in 3 days, but we are now seven days past the payment and it still is not posted.
Consumer complaint received 2018-05-07
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: Innovis (OH)

On XX/XX/ I submitted a dispute with CBC Innovis in regard to inaccurate public records showing on my credit file. Namely, Judgement with XXXX funding, unknown judgement, and tax lien. I received a response back XX/XX/ that all public records were verified with XXXX XXXX. These public records are inaccurate and according to the law must be removed.
Consumer complaint received 2018-05-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Walwick, Inc (WA)

I have already filed a complaint with you guys an complaint # is XXXX The complaint is against XXXX   XXXX XXXX who has yet to respond to my claim its been over a month I was notified by CFPB that the company had not responded an I just want to know why CFPB has not be able to intervene this is unacceptable this company is trying to collect debt that I do not owe to them they have been calling harassing me I want these XXXX XXXX accounts deleted from my credit report
Consumer complaint received 2023-07-13
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. (NY)

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 U.S.C 1681. ACCOUNT Name : XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX, and XXXX XXXX  XXXX XXXX. 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 an 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 2023-04-25
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-06-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (GU)

From XXXX XX/XX/year> to present I called the Chase reconsideration phone line approximately XXXX times often speaking to multiple customer service XXXX. These XXXX reportedly attempted to process my application. They asked me numerous security related questions and I cooperated fully. They sent me internal notices in my chase app on XXXX XXXX, XXXX XXXX, and XXXX XXXX stating their belief I was a victim of identity theft and someone was trying to seek credit in my name. I called Chase each time and clarified it was I applying for the Chase Ink Cash card. They requested identifying documents and on or about XXXX XXXX I submitted a photocopy of my XXXX Passport, XXXX XXXX ID Drivers license and utility documents. I called to confirm receipt and acceptance. This was all confirmed by Chase representative on XXXX and XXXX XX/XX/year>. I was even lied to by Chase staff who informed me I was approved for this card on XXXX XXXX with a credit limit of {$4000.00}. I learned through subsequent calls to Chase staff that this was untrue.
Consumer complaint received 2023-10-11
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. (SC)

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 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 2024-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This complaint is in regard to a reinvestigation performed by TRANSUNION. A recent investigation was performed by TRANSUNION over multiple inaccurate and incomplete accounts that commenced in early XXXX of 2024 in my consumer report with their agency. I recently received an updated version of my consumer report bearing the updated accounts that were initially investigated and noticed that there is still an existing account that still has missing information. This account is incomplete because it lacks transactional information in the payment history section of the report. This data shows up as " XXXX '' notations indicating the account 's incompleteness. The furnisher has failed to verify and update TRANSUNION with all the relevant information necessary to make the account report as complete and accurate. As a result of the failure, an incomplete account is currently being reported in my consumer report from TRANSUNION which is potentially damaging, misleading, and directly constitutes statutory violations of the Fair Credit Reporting Act. Specifically, the Fair Credit Reporting Act section 1681e ( b ) Accuracy of the report and section 1681 ( a ) ( 1 ) accuracy and fairness of credit reporting. Consequently, I am well within my right to have the disputed account deleted from my credit report based on these violations because of TRANSUNION 's failure to ensure maximum accuracy of my consumer report as evidenced by this existing disputed account during the account 's reinvestigation process.
Consumer complaint received 2023-01-07
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)

My name is XXXX XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (SC)

Equifax is reporting an auto loan I paid off in XX/XX/XXXX as being over 60 days delinquent in XXXX XXXX Originally, it was reporting as being delinquent in XXXX XXXX I disputed it and Equifax changed it to XX/XX/XXXX which is an error, but the statute of limitations would remove it. 

However, today the loan is being reported as being 60 days delinquent 12 months after the loan was paid off.
Consumer complaint received 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2023-04-27
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. (CA)

I'm never late. The Bank agreed to update this account due to a family tragedy. Please update this account ASAP. XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$13000.00}. Please correct.
Consumer complaint received 2023-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/23, I performed a deposit for {$300.00} in {$20.00} bills at the Wells Fargo ATM in XXXX NY XXXX. While performing the deposit, the ATM short circuited after taking my money. I was given a receipt that stated the deposit would be processed at a later time due to the malfunctioning ATM. I have no received the money and the representatives have been unhelpful in resolving my claim.
Consumer complaint received 2020-05-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Awar Holding Inc. (NJ)

In 2014 I was injured in two car accidents one in XX/XX/XXXX of 2014 and the other XX/XX/2014. In XXXX of 2014 I received a notice the debt was not paid however the amount of the debt was incorrect. I advised the representative the debt was paid under my policy with XXXX XXXX under my claim number. I was advised the debt was not paid. I continued to receive harassing calls every week to collect the debt. I advised the representative the debt would be paid from my settlement. I contacted a representative who advised the debt was not paid. I made a final attempt to settle the debt and I was advised I would need to make a payment in full. I advised after Covid 19 I would be unable to pay the full amount the representative stated there is nothing they can do about it.
Consumer complaint received 2024-06-05
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)

I recently reviewed my Transunion credit report and saw fraudulent reports as to a collection company XXXX XXXX with a collection balance of {$13000.00}. Please remove fraudulent reports from my Transunion credit report as to this collection company.
Consumer complaint received 2023-04-19
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Equifax is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX XXXX XXXX  Date Opened:XXXX2019 Balance : {$0.00}
Consumer complaint received 2023-10-11
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. (LA)

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 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 2023-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

I made an electronic payment of {$9000.00} to Chase from my XXXX bank account on XXXX. According to XXXX it was delivered to Chase on XXXX and the payment was " posted '' on XXXX. It's now XX/XX/11 and Chase is not reflecting the payment. THIS IS A REPEAT PROBLEM WHERE CHASE NEVER POSTS PAYMENTS PROMPTLY! In some situations, like this instance, by delaying the posting of my payment, the ILLEGALLY manufacture fee and interested income to themselves. The customer service department of Chase was unable to solve this. Chase should be held-accountable by the CFPB for this disgraceful and unlawful practice -- and I suggest more than a tiny slap on their financial wrist. Disclose this practice and their penalty publicly, and make the penalty big enough they stop doing it.
Consumer complaint received 2024-04-05
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. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item 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 you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX Balance : {$340.00} XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-19
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Experian is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Date Opened:XXXX Balance : {$0.00}
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

This complainant 's Mortgage payments were submitted on time as per contract with Carrington Mortgage Services , LLC . Carrington Mortgage Services , LLC reported to credit agencies that payments were late, for XXXX, XXXX, XX/XX/year> ; continued to report during a XXXX time frame, and continues to erroneously report to credit agencies as of this day of submission of this complaint. Carrington Mortgage Services , LLC processed said payments on time ; subsequently, after depositing said payments reported to credit agencies this Mortgagee 's payments as past due based on incorrect payment amounts. Carrington Mortgage Services , LLC denied request by this Mortgagee to remove their errors from credit agency reports. Carrington Mortgage Services , LLC has a history of " botching homeowners credit reports '', illegally furnishing information to credit reporting agencies that certain borrower 's accounts were delinquent, even though the homeowner 's accounts were current. Furthermore, the " CFPB Takes Action Against Carrington Mortgage Services , LLC for Cheating Homeowners out of CARES Act Rights '' subsequently imposing a {$5.00} XXXX dollar fine to Carrington Mortgage Services , LLC . Complainant seeks redress, and assistance from the Consumer Financial Protection Bureau for Carrington Mortgage Services , LLC 's violations of consumer protection laws. 

ATTACHMENTS Carrington Mortgage Services, LLC.XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-11
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. (NY)

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 2023-10-11
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XX/XX/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
Consumer complaint received 2023-10-11
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. (WI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX.
Consumer complaint received 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (CT)

I sent the documents XXXX required as listed One copy of a government issued identification card, such as a drivers license, state ID card, etc. 
One copy of a utility bill, bank or insurance statement, etc. 
Your full name including middle initial ( and generation - JR, SR, II, III ) Social Security number Date of birth Complete addresses for the past two years ( an official report filed with an appropriate federal, state, or local law enforcement agency, including the Federal Trade Commission or the U.S. Postal Inspection Service or others, the filing of which subjects the person who filed the report to criminal penalties if the information filed is false All was sent, as requested and they continue to say they did not receive the documents which are attached again to this complaint. 

An XXXX rep started screaming at me on the phone for no reason. Every time I call to ask for a supervisor they get upset, claim one will call or they put me on hold and hang the phone up on me. XXXX is not a reputable credit company. No company should give so many problems, it's unusual. 

Its against the law for them to publish accounts in dispute, this account has been in dispute for months, and they keep harming my credit score reporting it. I think it's because I'm a XXXX American, they feel as though they can harm me and get away with it. I have all the reports to prove what I'm saying and will be filing suit against XXXX over this issue. 

My credit score was XXXX now its XXXX because of a false account that XXXX has received all documents requested to remove as well as my formal request to remove it. 

They are not a credible company anymore.. They just continue to lie while harming my financial record and wasting my time. 

No supervisor has called, nothing they say is accurate, and its been 12 weeks, in which time I requested a call no one has called.