davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

I have tried number times to contact this company to remove incorrect information from my credit report. I have attempted to contact them from this website, by mail and by phone. This company has refused to take down this false information on my credit report, they even went as far as to tell me they are getting this information from other companies. 
When I asked this company who are they contacting to receive information about me they refused to tell me. They are collecting personal information on me from unknown sources and attaching it to my personal credit file without my consent.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (WI)

A homeowners insurance loss exists on my LexisNexis XXXX  report. The information on the report is inaccurate as it shows me as the at fault party. I am not the at fault party. The appliance company " XXXX '' is the at fault party and the claim was subrogated through XXXX XXXX XXXX company. I have provided XXXX letters of experience from XXXX XXXX to Lexis Nexis and the information is still being reported inaccurately. This is causing me to pay higher XXXX rates and being denied XXXX. I will also be filing a complaint against XXXX XXXX XXXX, as I can not get any answers on how this should be remedied.
Consumer complaint received 2024-04-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CT)

This morning I woke to XXXX  stating my score dropped XXXX points as the result of a new collection account on my report. Jefferson Capital is stating I owe them XXXX for a XXXX XXXX bill. I have been a customer of XXXX for over 5 years and account is still active. Jefferson Capital had contacted me via email stating that I owed them money for a XXXX  bill, which I then told them that I had previously filled out XXXX fraud packet back in XXXX sprint said it was all set and I've never heard about it again in any fashion. They reported that I just opened an account with XXXX in XX/XX/XXXX, which I clearly did not as I'm a current customer of XXXX.
Consumer complaint received 2024-04-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (FL)

Good morning my name is XXXX XXXX and I have regions bank. and i know it's my fault when I go over on my account. and I know an overdraft fee will accord but I don't think that another overdraft fee should happen and the next day until it pay off on that same charge. i think they should charge one time only. and this has been going on for 3 years now.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

XXXX has repeatedly reported that XXXX XXXX is verifying a bankruptcy on my file. Yet XXXX XXXX has repeatedly advised me their company is NOT verifying that incorrect information and provided me a copy of my report that DOES NOT contain any bankruptcies. The bankruptcy should be removed from my report immediately
Consumer complaint received 2024-04-30
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: CITIBANK, N.A. (IL)

I recently pulled my reports and noticed a company by the name XXXX is reporting incorrect information on my credit profile. The alleged debt is being reported by XXXX as " Charged Off '' but XXXX and XXXX not reporting that can not be true, Because the account on XXXX and XXXX and XXXX are different its not even on them so this means the account has not been properly verified. Please delete this account immediately.
Consumer complaint received 2024-04-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (OR)

As for the home situation I suggest going onto the CFPB website and filing a complaint. The first check sent was lost in the mail ( which is tough to place blame on anyone for ) but the second check, where I was told over a recorded line, would be sent in expediated mail to XXXX was cancelled when they received a letter from XXXX stating the policy was cancelled for non-pay. When they cancelled the overnight payment they did not reach out to you, or our agency to inform us about the cancelled check. We received a phone call today form XXXX asking if the policy was paid and active. The bank MAY try to force place insurance for the lapse ( that they caused ) which you should not be responsible for. You also should not be responsible for the increase in premium from the XXXX policy of {$1100.00} to XXXX of {$1400.00}. 

This is from my insurance agent. I couldnt say it better myself. please look into this. 

XXXX
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 35 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data branch and may have got into the hands of the wrong person.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CBC Companies, Inc. (VA)

I hope this letter finds you well. I am writing to address a matter of utmost importance regarding recent discrepancies observed in my credit report. As per the regulations outlined in the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681s-2 ( 3 ), it is imperative for entities to acknowledge and properly handle consumer disputes concerning the accuracy or completeness of data provided to consumer reporting agencies. 
Upon thorough review of my credit report, it has come to my attention that certain information has been inaccurately reported. I have taken the necessary steps to dispute these discrepancies, providing ample time for resolution, as explicitly stated in my previous correspondences. 
However, to my dismay, these disputes have not been duly noted as required by law. Under the provisions of 15 U.S.C. 1681s-2 ( B ), it is explicitly stated that information must not be furnished to any credit reporting agency if it has been notified by the consumer of specific
inaccuracies. Despite providing clear notification through certified mail, accompanied by return receipts confirming delivery, there has been a blatant disregard for my concerns and legal rights.
Consumer complaint received 2023-10-26
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)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2024-04-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

BOA has not provided a lien release for a loan that was PIF XX/XX/2024. They can only provide a date it was " mailed '' of XX/XX/2024. They keep giving me the run around to call, they just tell me when it was " mailed '' but the bank it was " mailed '' to has not received it. It's all a big circle with no end. They need to produce a second lien release now.
Consumer complaint received 2024-04-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (CA)

In XX/XX/XXXX I called Affirm to notify them of an unauthorized transaction to Booking.com. I had received an email of the loan purchase and I told them I did not make that transaction nor did I authorize it. They opened case # XXXX. On XX/XX/XXXX I received an email from Affirm stating that they completed their investigation and a resolution was found in my favor. It stated I will not be held responsible for the loans made in my name and the loans will not be reported to XXXX. They locked my account and I was told I would be able to later reopen the account once I secured the account and was able to provide my identity. Last year in XXXX I called Affirm to see if I would be able to re-secure my account. On XX/XX/XXXX they send me an email with a link to provide my documents for identity verification. I sent in a copy of my Driver 's License and did the biometrics as requested on their link. On XX/XX/XXXX I received an email from Affirm that stated I was able to recover my account and it is ready for use again. The email specifically states, " This means you can do everything in your account that you did before and you won't see any evidence of the unauthorized activity that occurred. Again, please know that you will not be held responsible for any activity determined to be unauthorized. '' Last week I tried to use affirm, but I was denied because they show that the unauthorized transactions are still showing on my account and they reported them to the credit bureau as charged off in XX/XX/XXXX. I provided all the emails to them that they stated I would not be responsible for those transactions, but they again locked my account and want me to re-secure the account by again sending in my Driver 's License and doing the biometrics. I do not feel comfortable providing that type of information again since I did receive the email from them on XX/XX/XXXX that they received my information and my account was secure. I feel that there is some type of fraudulent things within the company and would like to know where all my information that I provided them in XX/XX/XXXX to prove my identity.
Consumer complaint received 2023-10-09
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. (NC)

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (FL)

It is a late payment being reporting on my credit report from Macys/CBNA Account # XXXX I have never been late please update my payment history to paid on time immediately. I'm more them willing and ready to go to arbitration over this it will cost Macys/CBNA thousands of dollars in fees. 

Again please update my payment history to paid on time.
Consumer complaint received 2023-12-29
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (GA)

XXXX XXXX XXXX has been taken over by a new management company that is reporting on my credit report a delinquency of {$15000.00} from Transworld System collection agency. The new management company refused to give me any informtation and referred me to Transworld. I asked Transworld to send me an itemized statement of the debt to show the details, they stated they would but I have never received anything. I rented from XXXX and was sent a move out statement stating that my sister owed about ( {$1900.00}? ), we were both on the lease, the letter came to my new address in her name, after the company did a move out inspection. The envelope and letter did not have an address or any contact information to dispute any move out charges. I attempted to call and go to the office, they were no longer there. This year this outrageous fraudulent amount is now being reported on my credit report. The new company will not talk to me and the collection company has not sent any documentation. I filed a complaint with the States Attorney General and dsiputed with the credit bureaus. XXXX has sent a dispute resolution stating the collection agency has verified the debt is accurate. This is not accurate, it is fraudulent reporting and I am left trying to prove its false and the creditor has not provided any documentation of proof. I'm being given the run around because the collection agency is blaming the management company and the management company will not talk to me. No attempts were made to collect this debt, no calls, no letters it just appeared on my credit report. This is fraudulent and inaccurate and I need assistance to get this resolved.
Consumer complaint received 2023-05-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Cottonwood Financial Ltd. (TX)

I have a loan at Cash Store in XXXX, Texas. Address is XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. My payment was due on XX/XX/XXXX. Today is XX/XX/XXXX. I called to make the payment and I was told by XXXX that I'm required by the contract to refinance because my payment is late. I understood that she would turn my account over for collection and ruin my credit if I don't refinance, She does not want just the payment that is due. Is there a law to protect me? This is the first time I'm late with my payment.
Consumer complaint received 2024-05-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SOFI TECHNOLOGIES, INC. (NC)

On XX/XX/XXXX, I opened a checking account with XXXXSoFiXXXX The account comes with a bonus of {$300.00} after receiving a direct deposit of {$5000.00}. I received a direct deposit of {$5000.00} on XX/XX/XXXX. However, I didn't receive the bonus. After submitting an inquiry through customer service, I received an email from XXXX stating that the first direct deposit came in on XX/XX/XXXX, before the current promotion period. Per the terms and conditions, members who have had a prior Direct Deposit are not eligible for this promotion. Her statement isn't correct. I had an account with SoFi in XXXX, but the XX/XX/XXXX deposit she's referring to, WAS NOT a direct deposit, it was an ACH XXXX transfer from my account with another financial institution. Additionally, SoFi denied me the bonus in XXXX because that transfer didn't count as a direct deposit and I also had to submit a complaint with the CFPB at that time. CFPB Complaint ID XXXX, filed on XX/XX/XXXX.
Consumer complaint received 2024-04-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (CA)

They dont send mailings, however, I have disputed servers l times, in fact this was t always on my credit as it states. Now its showing in collections and scheduled to be removed in XXXX. This should have NEVER made it to my credit report as I am sure no creditor was forwarded proper information, the card has no proof of usage. This is wrong and due to one collection I cant get help to bury my daughter, I cant rent a place on my own, I am a XXXX XXXX in the XXXX XXXX  I work hard, I pay my bills, but, cant secure a place for my child and I. 

There are other items showing negative on my account that were paid and should be showing as paid with a positive standing XXXX XXXX, which will be another request, but, this is wrong. I have no one else to turn to and I need help fast
Consumer complaint received 2024-06-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (PA)

I applied for income based payments and have not received any updates or information about when payments resume or how much they wil be. I've tried for several days to log into my account online, and every time their website crashes/times out when I try to log in. This company seems like a complete scam and never communicates with me about changes they make. They are not forthcoming with information when I call either and offer little guidance. 

In addition, previously, I had signed up for auto pay, and they withdrew from my account without my consent as a hold to essentially confirm my account. 

This company is sneaky and untrustworthy and does not communicate anything in a timely manner.
Consumer complaint received 2023-05-06
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: East Coast Funding Group (NY)

Hi, in XXXX I got a car for {$9500.00} but they only credited me for {$7500.00}. I was arrested on XX/XX/XXXX, I got out five days later where all charges were dismissed. The police took my car without a warrant from my driveway. I went to pick up my car from the police property department where they told me I could not get my car back because the bank had taken it with all my belongings. So, I spoke with the bank to find out they sold the car. I was never contacted by the bank. I made my payment on XX/XX/XXXX, they sold the car on XX/XX/XXXX without ever notifying me. I had not heard anything from the bank. I moved to in XXXX after that to GA. In XXXX, I had to move back to NY because my mother got XXXX  and passed way. So now I find out there is a judgement against me from east coast funding group. I never received any notices from them. I wrote asking for the full accounting on the account nothing. They stated I never made a payment from the time I got the car, not true at all. So, after some digging and research, I found out that east coast funding has a XXXX XXXX XXXX, I called wisdom financial and asked them if I could get a copy of my full payment history. Wisdom financial mailed me the payment history where I find out east coast funding lied and said I never made a payment but in fact wisdom financial accounting shows I made all my payments up until they stole the car from the police impound with all my personal property. All the while, never sending me any notice or a chance to get my car back. I have sent them all kinds of letters they never answer. I had to write this so people on here realize they can do a lot one being the fact on how XXXX treats and speaks to you its illegal and a violation under the FCRA the Consumer Law and Policy. Also, this company was also fined by the state for unfair banking practices. Please check their XXXX  reviews and ratings. Where people are saying there doing the same to them. I have also filed an order to show cause and the judge did sign it staying the enforcement of the judgement pending a hearing.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

XXXX XXXX Closed onXX/XX/XXXX XXXX XXXX Closed on XX/XX/ XXXX  XXXX XXXX  Closed on XX/XX/. Fraudulent account an shouldn't be on my credit report they do not belong to me they where open fraudulent there fraud accounts