davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-25
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. (NC)

XXXX ; Experian and XXXX are not investigating the negative accounts reporting on my credit report. ( Attached are copies of my identification documents for reference. ) I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute. Department of Education - XXXX and XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; Medical Collection - XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
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 USC 1681. 

Account name : # XXXX, Account name : # 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 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 2021-05-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (CA)

I took out a student loan in 2008 with Salle Mae. I am dealing with Navient currently and am trying to understand why I have made over 90 payments and my balance is more than when I started! I understand that I have an 8 % interest rate, however, I also understand that I have other loans that have similar interest rates and the balances always go down.

What is happening here? Also, I am make XXXX payments monthly so something seems illegal.

I can't get any help!
Consumer complaint received 2021-12-23
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. (TX)

EXPERIAN HAS RE INSERTED PREVIOUSLY REMOVED FRAUDULENT ACCOUNTS THAT I SUBMITTED POLICE REPORT AND THEFT AFFIDAVIT FOR THEREFORE VIOLATING THE FCRA. THEY ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-07-10
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Reliance Exchange Group (NY)

I was told by this company only told me XXXX.they wont told me who borrowed from or what I owe they wont provide any information and they call me ( XXXX ) and or they do is threaten me being garnish and actually physically threaten me.. They keep telling me I wont pay them but I do n't even know who they are and what I owe. they told me I borrowed this in 2010
Consumer complaint received 2022-10-31
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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
Consumer complaint received 2021-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I made the first payment on the new credit card from Capital One/Walmart of {$490.00} on XX/XX/2021. However, I am yet to have that payment credited to my account to allow for available credit for me to use the card. I called Capital One and spoke to XXXX who told me that the credit will not be available to me until Friday, XX/XX/2021.That is 9 days ( 7 business days ) after Capital One got the money from my bank account. The representative told me there is nothing they can do to make the funds available on the card before XX/XX/XXXX and that if I want I can close the account. This to me, is ridiculous service and goes against their terms of service shared at the time of applying for the credit card. It shows that they do not care about me as the consumer as long they are getting the interest accumulated on held payments ( float ). Also, because I paid the account in full, they are losing on interest that could have been charged on the balance on my account. This is unfair practice.
Consumer complaint received 2023-06-30
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. (FL)

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 2021-05-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BBVA FINANCIAL CORPORATION (OR)

My checking account was migrated from Simple Bank to BBVA on XX/XX/2021. 
After learning BBVA charges NSF fees, which Simple did not, I elected to close my checking account. 
On XX/XX/2021, I logged in online and attempted to transfer the remaining funds out of my BBVA checking account. BBVA 's online account access gave me three options to transfer out my funds, an electronic transfer ( ACH ) with a {$3.00} fee, a wire transfer with a {$15.00} fee, or a transfer service named XXXX with no fee disclosed in the transfer section of BBVA 's online account access. 
I attempted to register for XXXX and was given an error indicating I already have a XXXX account ( there was no option to log in to an existing account ) and instructed to call BBVA at XXXX XXXX ) XXXX. 
I called XXXX and reached several non-native speaking English representatives that could not understand me when I explained I wanted to close my account and needed options to get the funds out. One representative proceeded to go over my transaction history, and another proceeded to discuss NSF fee policy, despite me never having inquired about either. The last representative agreed to transfer me to a native English speaker, and then hung up on me. 
It is my feeling that BBVA is purposely making it difficult to close my checking account by requiring the account have a XXXX  balance prior to attempting to close the account, charging fees to transfer funds in attempt to discourage clients from closing their accounts and staffing their related phone assistance line with non-native English speakers, something I am certain they do not do for all account servicing phone lines.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MRS BPO, LLC (OK)

XX/XX/21 contacted Mrs BPO , LLC XXXX and couldnt speak with live person regarding fraudulent account in amount of {$630.00} XX/XX/21 contacted Mrs ASSOC XXXX for {$630.00} reported to XXXX for collections. XXXX answered phone at XXXXXXXX XXXX CST and provided a different number XXXX. I called and only had automated options, none which applied to fraud. 

XX/XX/21 XXXXXXXX XXXX CDT called XXXX direct. XXXX with dispute team is disputing above two entities.

I was advised if i contacted FTC personally I would get quicker results. Feel free to contact me if i may be of further assistance. My identity was stolen 18 mo ago. I do not know or owe either vendors above any money.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

Greetings XX/XX/XXXX XXXX XXXX closed an account insufficiently and unexpectedly ( Credit Card Act of 2009 ) without advance notice of other significant changes ( 15 U.S.C.1637 The Truth and Lending Act has clearly been violated. I was never given advance written notice of this significant change to this account being closed 45 days prior to. All payments made to this account have been reported and recorded as on time and satisfactory by XXXX XXXX XXXX, XXXX XXXX, and Equifax. These payments have been accurately recorded by these agencies as on time and satisfactory payment history. XXXX XXXX then wrote me a letter stating that they would re-open My Account, which they then told me that I had to reapply which caused an inquiry and a denial of my credit. XXXX XXXX has falsified additional reporting as unsatisfactory late payment history, which is in accurate and clear breach of their contract by defaming my character 28 US code section 4101, section 312231.05. With intentional and reckless malice, these statements were made to third parties. As of XX/XX/XXXXXXXX XXXX XXXX continues to report to third parties as late and unsatisfactory.
Consumer complaint received 2022-03-23
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: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting Act USBK COURT XXXX  Docket # : 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 2021-05-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Source Receivables Management LLC (VA)

Good Morning I have a problem with two different companies the first one is : Source Receivables Management collecting for XXXX XXXX XXXX, I went bankrupt in XXXX of 2019 and XXXX was added into the bankruptcy they were notified as well then just recently XXXX bought the debt from XXXX and is listing it on my credit report as opened 3 months ago and that is false, XXXX was opened many years ago and discharged in the 2019 bankruptcy and they are illegally trying to collect money and ruin my credit score. please help I have reached out to them and have not succeeded in a resolution. 

Second one is XXXX XXXX Bank a credit card was taken out in my name i don't know by who and i have called them repeatedly to notify them that i did not take out any XXXX credit card and they are reporting this debt on my credit report. I called and i keep getting some rep from overseas that doesn't know how to help me. I have called XXXX bank and they send me to all different departments and this still hasn't been resolved, its very frustrating can you help? If so please contact me at XXXX XXXX I apprecaite anything you can do Thank you
Consumer complaint received 2021-05-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MN)

On XXXX I received a letter from XXXX stating my credit card I had since 1986 was closed due to non use, balance is XXXX and I have no debts. So I contact citi they told me that the amount is to high in relation to the income. So I'm trying to talk to a live person at experian.so my current credit score is XXXX  so I want my card restored.
Consumer complaint received 2017-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (AL)

I have been reviewing my credit files and noticed that XXXX Card has a debt that was from XX/XX/2008 but the more I looked, it 's as if the debt was started over. I am not owning up to the debt but seeking assistance. I did file a dispute with the credit bureaus. I have a letter that I need a response on and have provided as much information as I possibly can in regards to this debt on my credit files.
Consumer complaint received 2021-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HOPE BANCORP, INC. (CA)

XX/XX/XXXX- called and then emailed the forbearance request. I was told we were approved for 3 months and after the 3 months resubmit if we need more time. 

XXXX started loan forbearanceXX/XX/XXXX resubmitted for another 3 months of forbearance. 
XXXX was last month of Forebearance. 

XXXX started making my regular loan payments as forbearance period ended. 

I was told that the interest accumulated during the forbearance would be tacked on to the end of my loan or if I refinanced or sold my house I would pay it off then. 

I have been going back and forth with bank of hope for almost 2 months trying to get something g that says this. We are trying to refi and every other bank is providing this type of letter. We are being penalized and told it will take months for us to get a letter. We have been making payments since XX/XX/ and they have taken all to interest and none to principle. I feel we are being taken advantage of and penalized for the covid relief program. This is illegal
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (WY)

Applied for a Business loan at Wells Fargo, Wells Fargo claims that XXXX provided information that was derogatory by reporting Serious Delinquency, Account history and too few accounts with on-time payments. 

I have excellent credit scores of XXXX - XXXX with exceptional payment history. My report shows good credit. 

I can not get a live person at XXXX to provide an explanation and Wells Fargo will not provide a copy of the report they claim to have obtained. 

It is all highly questionable and need to resolve all fraudulent or inaccurate reporting. Wells Fargo should also provide supporting documents for their claim.
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

There is a bankruptcy on my transunion credit report in which transunion indicates they pulled the information from a 3rd party reporting agency. The courts have verified with me that they Do Not report to credit bureaus and therefore this item must be deleted from my report.
Consumer complaint received 2021-05-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I applied to have my information updated over 60 days ago. No reply nor results : please have all unverifiable and un authorized information removed off my credit. I will have to file for litigation
Consumer complaint received 2021-05-25
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (NM)

In or on approximately 2016 t I went to XXXX XXXX XXXX got a loan. I went into store and paid off the accout with my bank which was fXXXX XXXX XXXX checking account .i notice that the company went to debit recovery solutions for collecting the pat due amount. In the month of XXXX XXXXthe have accesses my credit file 3 times in one month. I called bank to get the information with no response from them. I have a witness to this effect that we walked into XXXX XXXX XXXX and paid off the loan. From and to my understanding it is illegal to hit someone credit report more than once in any given time period
Consumer complaint received 2021-05-25
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. (CA)

There are three accounts on my credit report that are not mine they do not belong to me it is not mine I didnt apply for them I didnt use these I dont know where they are coming from. 

Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

Nissan will not update my credit report has not been updated since XX/XX/2021.Also I let Nissan know that the dealership is refusing to send payoff check for warranty. I am banned from dealership I asked for so I can get this account paid off and also charging me daily interest rate which causing hardship since they will not intervene to get my warranty check forward to them.
Consumer complaint received 2021-05-25
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: EQUIFAX, INC. (AL)

On XX/XX/2021, I filed a dispute with XXXX, XXXX and Equifax about the inaccurate report of the account XXXX XXXX Account number XXXX, .. In 2 months I have asked numerous times for a response to their investigation and I have not received anything in response from this bureau, this is a violation of the FCRA 30 day investigation policy. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. I have attached documentation for proof of my complaint. Thank you
Consumer complaint received 2019-05-25
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC (IN)

Sunrise Credit services are repeatedly calling and hanging up. Once I figured out who it was the collector mini-marandia me without verify credentials such as date of birth or address and argued with me once I explained the violation. 

Pay the minimum violations fee of {$1000.00} or clear whatever debt is listed with them.
Consumer complaint received 2021-05-25
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. (CA)

Experian AND XXXX XXXX needs to follow the consumer Protection Law. I disputed XXXX XXXX XXXX XXXX XXXX services. I filed a complaint against both companies with the superior court of Alameda County based on reporting incorrect information on my credit file and negligence. in XX/XX/2020 XXXX XXXX XXXX attorney reached out to me and we settled because both companies were at fault on a proper loan modification and making correction to my credit file by removing 120 days late. I have asked experience in the past to properly investigate this account. the outcome of the dispute was that's XXXX XXXX XXXX and XXXX XXXX  or reporting it correctly. I believe Experian did not investigate or talk about this matter seriously. I am providing Experian with a court document and settlement with both Banks agreeing to remove the incorrect 120 days late. I'm expecting Experian to follow the law and make corrections to my credit file according to my call document. I was not selected as a XXXX XXXX customer so there is no reason select profile recessed can report me 120 days late. XXXX also refused to take my payments which is clearly stated in my complaint against the company. any of these leads showing on my credit report are not my fault actually I was damaged by XXXX Bank financially by reporting incorrect information on my credit files.
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. (GA)

It has come to my attention this company has furnished a late payment to my consumer report. For the month of XX/XX/scrub>XX/XX/2024 XX/XX/2024.

The FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Also Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) 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. 
I HAVE NOT provided this company any writing permission. to furnish any of this information.