davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-26
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. (NY)

I am writing to express my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to XXXX  XXXX XXXX  XXXX. Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XX/XX/2021 attempted to purchase a new vehicle. When dealership ran credit check my score came back a zero. Contacted Transunion in regards to the zero credit score and they verified my information and then told me nothing was wrong. Would not provide me further information or give me what my score was so that I would be able to complete the loan application for the new vehicle.
Consumer complaint received 2017-11-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

We were trying to make a payment and catch up on missed payments to XXXX XXXX XXXX, and they refused to accept payment, claiming they were working on a modification. We then faxed numerous amounts of documented data, which they then proceed to " claim '' there was no received faxes. They then came through with an unaffordable payment plan the following 2 months. This all took place during the end of XX/XX/XXXX and the plan was given to us in XX/XX/XXXX, we then proceeded to let the law group help us to deal with this company.
Consumer complaint received 2021-06-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Continental Finance Company, LLC (IN)

On XX/XX/ 2021 at approx. XXXXXXXX XXXX this company called and harrassed my mother trying to locate me. No family members numbers where ever given. This company said they were XXXX XXXX  and repeatedly tried to get a phone number from relative. When I called the number they provided, they said they were " administration '', once they verified it was me calling, then they said they were a law firm trying to collect a debt that was {$790.00} when debt owed was just over {$500.00}. They have continued to call my number up until XXXX XXXX several times a day.
Consumer complaint received 2022-05-23
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. (IL)

In accordance with the Fair Credit Reporting act this information I unfamiliar and unauthorized inquiries that at reporting on my report. 
Here is a list of unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), 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. 
15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2024-02-28
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. (NJ)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2021-06-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC (FL)

I have been with American Credit Acceptance for my car loan for 25 months, out of those 25 months I had 4 late payments in which I reached out to the company to make a payment plan or get assistance due to the corona virus pandemic. American Credit Acceptance told me over the phone there was nothing they can do, even though we are in a global pandemic and I have XXXX children. These four late payments are from XXXX, XXXX, XXXX and XXXX of XXXX, in which each late payment was individual not consecutively four months straight. The car payment was still made every single month just late. Prior to XX/XX/XXXX and after XXXX of XXXX I have not had a single late payment. My loan original date started in XXXX of XXXX.
Consumer complaint received 2018-03-26
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NJ)

Every Monday precisely at XXXX EDT Fair Collection and Outsourcing call me every week. I have sent a letter to them to only contact me via USPS and to validate the debt. Fair Collection Outsourcing has failed to send me a letter via USPS, but instead they have called me during work hours on my mobile phone.
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Walmart capital one added that I was late XX/XX/2021 when I had a auto payment scheduled. Regardless the fact I have two payments paid that month overall there excuse when I talked to them was that because the auto payment wasnt enough cover the exact amount needed be paid it showed as I didnt pay which is not my fault because I have them on auto payment and they should be okay with raising it if needed if I supposedly owe more not wait and give me bad remark and I always pay everyone I have no other negative remarks on my credit cards. I want keep it professional keep my 7 year relationship with them. I called tried speak for help three times last day was today XX/XX/XXXX and they stated they cant do anything about it. They wanted me send them what my credit report was saying because they are stating they did not add that I had a late payment. this is only negative thing on my account Im thankful for my partnership want to make it keep lasting but I would need help assisting me with this issue. I would really appreciate that this is removed from my credit report. I make all my payments on time and very grateful. Im just very confused why they keep saying they never reported it as a late payment when all my apps clearly state late. This is not right judgement i am very unhappy with them not making sense if autopay wasnt enough there system shouldve been the ones to update it they have my approval through autopay! I am not getting this!
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

EXPERIAN, XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX : XX/XX/XXXX -- -> XXXX -- -> : {$1700.00} XXXX XXXX : XX/XX/XXXX -- -> XXXX -- -> : {$1700.00} XXXX XXXX XXXX : XX/XX/XXXX -- -> XXXX -- -> {$6300.00} XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX -- -> XXXX -- -> : {$6300.00}
Consumer complaint received 2021-06-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I have returned the Vehicle on XX/XX/2021 and the leasing company still has not close the account. I tried to pay the bill to stay on time but they denied my payment and returned me the money. The account is now showing XXXX late payment and account still open. They received all paper work required from me and said it would only take 3 days for the account to be close. The account was suppose to be closed under SCRA Benefits and is been more than two weeks. I faxed the paper work again on XX/XX/XXXX and it was confirm by someone on the phone. For this my credit is showing a delinquency and has drop by more than 100 points. I want the acount to be close already and for the late payment to be fixed on my credit report
Consumer complaint received 2022-11-06
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. (CA)

I have submitted multiple complaints identifying identity theft on my report well over 4 business days ago. Because my rights have been violated I am demanding that the accounts that I have identified as being the result of identity theft be blocked or removed from my credit report no later than four business days after the receipt of such information that I have sent over in accordance with 15 USC 1681 c-2. 
See multiple previous submissions through CFPB portal showing accounts identified as identity theft.
Consumer complaint received 2021-06-16
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 contacted Experian via mail to inquire about a bankruptcy being reported on my consumer report. Experian responded via mail that public record items on consumer reports are verified thru XXXX XXXX XXXX. I contacted XXXX, asking them to explain to me the process used to verify that this alleged public record belongs to me. Upon completing their investigation, XXXX was not able to verify the information, and deleted the bankruptcy in question from my XXXX consumer report. I sent all supporting documents to Experian, and asked for deletion since their data aggregator could not verify the information, and too deleted the bankruptcy in question from my consumer report. The FCRA states that a CRA must remove or correct inaccurate or unverified information from its files. This bankruptcy in question was unverifiable by XXXX, Experian 's data aggregator, and therefore is grounds for deletion from my consumer report.
Consumer complaint received 2021-06-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Lincoln Educational Services Corporation (MD)

I went to classed at Lincoln Tech Institute for 9 months and {$25000.00} in debt. to get a certificate of achievement as an A/C tech. which was a scam because as of today the XXXX of XX/XX/2021, I have not yet received my certification or any job placement as promised. I have been Struggling to pay back the loan and unable to get satisfaction from the Lincoln Tech Institute. Please advise me of what I can do.
Consumer complaint received 2023-07-21
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. (NV)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian and XXXX XXXX are violating my FCRA consumer rights. I sent a dispute on XX/XX/2024 and they have not responded. I also contacted the court for the inaccurate Bankruptcy on my report, they stated that they do not report to credit bureaus. I attached a copy of the document they provided. Please help me investigate this. The inaccurate accounts and XXXX are preventing me from obtaining credit.
Consumer complaint received 2023-07-31
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. (WI)

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. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-07-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NC)

I have been dealing with fraudulent charges on my Macy 's account since 2019 and they have refused to settle the fraudulent charges and remove the delinquency from my consumer credit reports. These charges are documented in a police report and several notarized Identity theft affidavits.
Consumer complaint received 2023-07-31
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. (LA)

In accordance with the Fair Credit Report Act ( FCRA ). The listed account below has violated my federally protected rights to privacy under 15 U.S.C 1681 XXXX XXXX XXXX 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 section ( 2 ) Also states a consumer reporting agency can not funnish a account without my written instructions
Consumer complaint received 2023-03-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America Is pushing thru payments that should have been declined to further put my account negative. 
I made a mortgage payment for XXXX they processed it as XXXX which put me XXXX overdrawn! Should have been declined! They are STILL putting thru payments that is further putting me in the negative. 
I asked them to stop the mortgage payment- was told to wait till it processed and then dispute the amount, when I disputed the amount I was told you have to talk to the mortgage company- " because it's already processed '' This Is a VIOLATION OF FEDERAL LAW that they have been cited for in the past! I will send this information to All Federal Agencies till I get this resolved! I can not pay my bills because I'm XXXX dollars overdrawn And Counting!
Consumer complaint received 2023-07-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

In late XXXX we were suddenly unable to access our joint savings account at Citizens Access. My husband and I could log in, but it said, " you have no account. '' At first I thought our account had been hacked, but I called and the agent could see our account was intact. They said to wait a few days and we should be able to access our account as normal. 
That was a month ago. 
We can still not access our account or funds. We can not see any statements or documents. 
We called Citizens Access again XX/XX/2012, XXXX and XXXX. Each time they apologized and said it is a technical error and they opened a ticket and they were working on it. But no resolution. 
The last time, my husband demanded they at least email us a verification of deposit so we can prove we have this account, because we can not even see the balance. They emailed us that paper, but now it is XX/XX/XXXX and we still can not see the account as of today. 
Please help. Citizens Access has done nothing to correct this problem. 
We feel as though Citizens Access has stolen our money. 
I understand that Citizens Access is owned by Citizens Bank, which is owned by Citizens Financial Group , Inc .
Consumer complaint received 2023-07-31
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: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DP OF EDUC  XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX is a fraudulent address listed on all XXXX credit bureaus and every account associated with that address is fraudulent as well. Please assist in removing this information off of all XXXX credit bureaus and my credit reports.
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (CA)

XX/XX/2023 - I went into XXXX and when I was at the front desk purchasing the clothes the front desk representative asked if I wanted a card that would save me 20 %. I thought it was a discount card that most places tend to offer thee days. So I applied and she said " you did not qualify '' I asked if it was a credit card that I was applying for and she said " Yes ''. She didn't inform me that I was applying for a credit card.