davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-31
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. (TN)

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 2023-01-07
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I reviewed my XXXX credit report and I am shocked to find fraudulent accounts on my credit report. I am a victim of identity theft and I am requesting for XXXX to block and remove these fraudulent accounts within four day under FCRA 605B. I did not benefit from any of these goods or services. I have filed a police report with XXXX Police Department. I have attached my police report to this correspondence along with my FTC report. 

I also never had any credit card with Capital One Bank and XXXX XXXX XXXX. Please block and remove these fraudulent accounts immediately. Please refer to my police report for the fraudulent accounts.
Consumer complaint received 2023-01-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC (GA)

I didn't think it would ever escalate to this point, but the mortgage servicer on our house, Gregory Funding LLC ( in association with XXXX XXXX XXXX XXXX ) has declared a foreclosure and is directly violating federal law. 
They have claimed falsely that we have not paid the mortgage in over 2 years, starting from the beginning of 2020. 
They continually send back checks and refuse to let us pay them, then claim we missed a payment. 
They have repeatedly refused to look at the evidence and bank records I've given them. I've submitted full bank records to them now 5 times, and they keep saying they'll get around to it, but never do/did. 
They have repeatedly refused to acknowledge or investigate where they came up with saying that my family is in XXXX $ dollars in debt. It came from nowhere. The dollar amount keeps changing randomly, and now sits at {$45000.00}. 
They have repeatedly failed to comply with information requests. 
They have twice now raised the mortgage from XXXX, to XXXX dollars, to nearly XXXX dollars on a FIXED RATE mortgage where the amount hasn't changed in over 20 years! 
They have now suddenly began to escalate after 2 years of waiting! 
We have done everything on our end, provided proof, called, demanded, sent mail, sent emails, nothing has worked! 

They are refusing to cooperate, refusing to listen, and are threatening to illegally steal and invade our home despite us making payments on it for over 20 years. Please. I do not want to lose my home illegally. Send someone. Do something. Anything. This is a cry for help and a dire emergency.
Consumer complaint received 2017-05-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (ME)

On   XXXX   XXXX   XXXX   I mailed a certified bank check for the payoff amount of {$1700.00} to Wells Fargo from a purchase made at   XXXX   XXXX   XXXX   XXXX  . I called Wells Fargo on   XXXX   XXXX   XXXX   to confirm that my payment was received and processed and according to automated system stated new balance was {$2600.00}. I contacted Wells Fargo on   XXXX   XXXX   XXXX   and then on   XXXX   XXXX   called spoke with a supervisor and they stated there was nothing they could do. On   XXXX   XXXX   XXXX   I went to my bank at   XXXX    and   XXXX   XXXX   at   XXXX   XXXX   XXXX   XXXX   XXXX   at   XXXX   XXXX   XXXX     XXXX    ME   XXXX   called Wells Fargo and spoke in a three-way conference call with a  XXXX  from Wells Fargo .   XXXX   XXXX   offered to fax over a copy of the certified bank check made out to Wells Fargo that included our names and account number but they refused.  XXXX  referred us to   XXXX   XXXX   XXXX   XXXX   saying we did n't meet the contract obligations. We spoke to  XXXX  at   XXXX   XXXX   and he said he could n't help us. I contacted my attorney generals was told to contact CFPB to file a complaint. We have contacted Wells Fargo several times to no avail.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I took a personal loan to pay off some credit cards, but did not close those accounts. The credit on those cards is still available. The credit bureaus are lowering my XXXX XXXX, even after I now have more availability. The credit scores should increase. This needs to stop.
Consumer complaint received 2017-05-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (IN)

I have an account with Navient and I been paying then since XXXX and they said I still owe them XXXX until XXXX. But they wo n't working with me and I need to what is going on and get this fix.
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: Experian Information Solutions Inc. (TX)

To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly.

I have the right to privacy.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete From My CREDIT REPORT 4. The inquiry was not authorized XXXX Date of inquiry XXXX XXXX Delete this account.
Consumer complaint received 2022-10-31
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. (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 2018-10-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (MN)

I have been trying to resolve an issue with my XXXX XXXX Credit card for quite some time now. 
In XX/XX/XXXX I moved to a new address for College and changed my email from an old email to a new university email. I stopped into the XXXX XXXX MN XXXX XXXX store to change my address and email. I spoke to the girl at the desk, she took down my information and said she would put it into the system. 

After a few months, that spring ( XX/XX/XXXX ), I logged into my XXXX XXXX online account and saw that I had missed several months of payments. I had received NO mail or emaila notifying me of these missed payments/late fees so over those months they were adding up. I called XXXX XXXX and told them that I had no idea that I owed anything all this time because I wasn't receiving any notifications from them, they would not remove the late payments from my record, they only lowered the late fee cost, which I paid over the phone that day. 

Since then I have been denied for a car loan and not qualified for my home loan application. I have no other issues with my credit, I've never missed a payment before this incident. It's extremely distressing that a small late fee under {$5.00} had brought my credit from a steady XXXX to under XXXX. Since I took action to change my address and email at XXXX XXXX XXXX MN XXXX XXXX XXXX the fault for this issue is not mine and XXXX XXXX should remove all delinquent payments from my record. 

I have investments and savings and a steady job, there should be no reason that I can not get a car or home loan. XXXX XXXX had a chance to right this wrong the many times I called them and they still haven't. 

Thank you,
Consumer complaint received 2018-10-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (MI)

XXXX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/2018 XXXX with a XXXX process fee. Will not remove. Will not put agreement in writing for records. Threatened me. Will not set up payment plan or accept any payments at all. Kept asking for my checking account # or card #. Told me they could seize my bank account and sue me for more money to just pay the amount owed.
Consumer complaint received 2022-11-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I filed a complaint with CFPB on XX/XX/2022 complaint # XXXX resulted in identity theft the Equifax response to the complaint indicated all inaccurate information was removed when I received the The confirmation credit file from Equifax in the mailed confirmation # XXXX on page 6 has XXXX XXXX  on my credit file this file was never removed from my credit file. Also XXXX XXXX was reinserted without me being notified which is a FCRA violation. Please provide steps you took investigating my complaint I provided all required documentation required by FCRA and this neglect from Equifax has damaged my reputation and character and XXXX stress and the hours spent going to get affidavits and other copies notarized. Equifax also stated my data was breached and I have file a claim in regard to that as well. I'm demanding you remove those items that is inaccurate in my credit file. Also attached is a my data breach claim in which I was eligible. For indirect disputes filed with CRCs, the FCRA requires that, upon receiving notice of the dispute from the CRC, the furnisher must conduct an investigation with respect to the disputed information and review all relevant information provided by the CRC. 20F 21 The standard for investigation of indirect disputes is, like direct disputes, that the furnishers investigation must be reasonable. 21F 22 Examiners found one or more furnishers violated these provisions when the furnishers responded to CRC notices of disputes without verifying the accuracy of the disputed information but instead with instructions to the CRC that the consumer should contact the furnisher directly and that the disputed information should not be deleted. In response to these findings, one or more furnishers are developing dispute handling policies and procedures to ensure the investigation of disputes is in accordance with the requirements of the FCRA
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2021, I drafted the attached dispute to TransUnion advising that my " personal information '' appearing on my credit report had errors. I have attached USPS receipts indicating proof that the dispute was delivered on XX/XX/2021. Despite this, the incorrect information remains on my credit report more than 30 days later.
Consumer complaint received 2023-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP (OH)

This is a continuanance of case : XXXX which was unresolved They sent me a file boiler disclaimer. 
It did not address the {$600.00} owed me as mentioned on their voice robot! 

And they did not mention how they miss-handled purchases XXXX through XXXX of next month that should have been in pending. 
But they processed those purchases without using a full XXXX day pending! 
And this caused unnecessary compound interest against those less than 28 days purchases! 



I request a full CFPB audit of their process of policies, And Operating Procedures, And Fair Banking and credit card procedures! AS A BASE TO AUDIT : ( XXXX ) WHAT WOULD my STATEMENT FOR XXXX HAVE BEEN IF THE PURCHASES MADE ON THE XXXX AND XXXX HAD BEEN GIVEN XXXX DAYS IN PENDING? AND WITH THE XXXX PAYMENTS I MADE TRYING TO OBTAIN A XXXX BALANCE. BUT AS IT TURNED OUT, THE RESULTS APPEARED WITH MUCH CONFUSION? 

AND OF COURSE, HAVE THEM DO THEIR OWN CALCULACTION, AND YOU XXXX PERFORM YOUR OWN CALCULTIONS FOR FAIR COMPARISON! THEN SEE IF THIS IS FAIR! 

TODAY, I KNOW I NEED TO MAINTAIN A XXXX BALANCE WITH THIS COMPANY AND TO " NOT MAKE ANY PURCHASES DURING THE XXXX TO THE XXXX OF THE NEXT MONTH! AGAIN .... " XXXX BALANCE AND NO PURCHASES DURING THE XXXX THROUGN THE XXXX OF THE NEXT MONTH ''! UNTIL I CAN SWITCH TO AN HONEST COMPANY!
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Ive recently checked my credit report and Ive noticed my rights are being violated. Ive disputed with the company the have still yet to removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive disputed with creditors with reference of the laws and rights theyve broken. 15 USC 1681a* ( 2 ) * ( B ) & 15 USC 1602
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I sent CRA 's documentation and proof based on the results of the CFPB report that the ( collection account ) XXXX must be deleted. The CRA have not removed it and I have the documentation from the organization as well to support the deletion. 

It should be deleted immediately. This is identify fraud. I have been working with two CRA 's for 3 months and they have not done a proper investigation, when information was requested, they did not have my permission to publish this on my consumer report per Disclosure to Consumer. USC 1681 2 ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. I NEVER gave permission form any credit report to publish my personal identifiable information. ( FRAUD ) I have the document from XXXX states this needs to be removed. Now, they still have not removed it after sending documentation in to support the deletion of collection account in the amount of XXXX from XXXX Account. I have the letter from the collection agency as well stating they have submitted for it to be removed. In addition XXXX has deleted this from my Consumer report, which supports there was not a proper investigation done by Equifax and XXXX. 
I have documented every letter and receipt to support my efforts of removing this from my consumer report.
Consumer complaint received 2023-01-07
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. (MD)

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 : 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. 

These accounts on my credit report I do not recognize. The following accounts are fraud accounts and need to be removed immediately. 
XXXX XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XXXX  XX/XX/2022. *
Consumer complaint received 2023-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (TX)

I had a XXXX XXXX utility bill for {$290.00} that had fallen behind in XXXX. I went into one of their physical locations in XXXX XXXX and paid it off in full and had service restored for many years after. For obvious reasons, they wouldn't have reinstated the account and provided years of future service had it not been paid in full. 

Either way, that bill was eventually sent to collections with a company called XXXX XXXX XXXX. No amount of proof or convincing them of it being paid would suffice and I eventually just paid it because it was only {$300.00}. Which means I paid it twice, both to XXXX XXXX directly and to them as a profit for whatever they bought the " debt '' for. 

The larger problem now is that they updated all of the credit bureaus to show this account having been opened and closed in XXXX and it shows no other data about how old the original " debt '' was, when it will age off, or anything else. So it shows up as a recent collection account any time I apply for anything, removes years off the actual age of the original utility bill, and, if it were reported correctly from that date, it would have aged off my credit already. 

I've attempted to dispute it multiple times, have called the company directly, and am at the point of seeking counsel to file suit against them for harming my credit with inaccurate reporting. 

If they don't respond to this, that's the next step.