davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (PA)

Ollo Card Services has not updated my account balance since XX/XX/XXXX so the card utilization continues to appear extremely high. The card balance was paid off XX/XX/XXXX, with additional payment made XX/XX/XXXX. I contacted customer service on XX/XX/XXXX and inquired on their reporting, asking if the company reports to all 3 credit bureaus, the representative replied yes. I then asked why my account hasn't been updated and she said they are experiencing a technical glitch in their reporting system. She then placed me on hold so she could speak to a supervisor. When she returned to the phone line, she informed me that they were unable to expedite my request for my account information to be updated and I would have to wait until their system is corrected.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: American Credit Acceptance, LLC (GA)

I have reached out to transunion, XXXX, & XXXX and told them I have noticed unauthorized hard inquiries on my credit report thats Im not aware of. I have already mail in my letter to all credit bureau and not they saying for me to do a FTC Report. The hard inquiries are from XXXX Im not aware of.
Consumer complaint received 2023-02-01
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. (MA)

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 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 2023-02-01
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. (NC)

I would like to have the following 7 companies investigated and deleted from my credit report. Ive never had any accounts with any of these companies and dont know how they ended up on my credit report.

The 7 companies are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-31
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. (GA)

I'm extremely frustrated with the student loan accounts that are being reported on my credit. These accounts were opened at a time when I wasn't attending school, yet the bureaus continue to ignore the inaccuracies I've pointed out. I've tried twice to get the bureaus to investigate the legitimacy of the accounts. The first investigation stated that the accounts were " verified and paid as agreed, '' despite me never making a payment towards them. The second investigation by XXXX was opened on XX/XX/XXXX at XXXX PM, but the results were ready by XX/XX/XXXX at XXXX XXXX, which is completely unacceptable for a second dispute. I'm still waiting to hear back from Equifax and XXXX, but I'm not hopeful they'll do any better. It's outrageous that the bureaus have my actual student loans reported as paid off and closed, yet these other accounts are showing up as mine. These accounts have several inaccuracies, including the dates they were opened and the loan term, which was only for XXXX month. The creditor contact information is also different for each bureau. I attended no universities in XXXX, so I have no idea how these accounts were opened. I've included a copy of my second dispute to XXXX, which is the same for each bureau. This needs to be resolved ASAP.
Consumer complaint received 2020-12-18
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: Experian Information Solutions Inc. (TN)

I have reached out to the bureaus on XXXX/XXXX/2020 and I haven't received any type of indication/notification of the investigation being worked on. These Accounts is inaccurate and I'm seeking litigation please delete at once. I feel like i'm being taken advantage of at this point. It's been well over 60 days I just want these problems resolved. According to the FCRA these inaccurate unverifiable items must be deleted immediately.
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (NY)

Someone unlawfully used my information to open a XXXX XXXX XXXX credit card in XXXX XXXX Texas on XX/XX/22. I live in New York. On that same day they purchased {$1300.00} worth of merchandise.
Consumer complaint received 2022-05-20
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. (NY)

In accordance with the fair credit Reporting act XXXX  account # XXXX ( XXXX  XXXX ), # XXXX ( XXXX ), # XXXX ( XXXX XXXX XXXX ), and a few hard inquires from XXXX  XXXX, XXXX, XXXX XXXX, XXXX 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 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-20
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. (FL)

Account Number starting with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX, Whose address is XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/year>, Dear : whomever who is reading this I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer. As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard.

Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter. Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NC)

I recently pulled my credit report and noticed that you were reporting against the FCRA standards. How can I possibly owe two balances to two different companies for one account? They tried to change one number from XXXX to XXXX but they are both from the same apartment complex that I have never lived in.
Consumer complaint received 2020-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (FL)

I had a past due debt with Synchrony Bank. Synchrony Bank sold the debt to a third party in XXXX of 2017 and reported it to the CRAs as a " Charge Off ''. Despite having sold the debt, Synchrony Bank continues to this day to report a " balance '' owed with the CRAs. My understanding is that pursuant to the Credit Reporting rules, once a debt is sold to a third party, the original creditor must report the balance as XXXX. Nevertheless, for over 3 years since Synchrony Bank sold the debt to a third party, they continue reporting the " charge off '' debt with a balance owed every single month. The balance should be XXXX since they sold it. I notified them multiple times and they refuse to comply. 

Keep in mind that the third party who Synchrony Bank sold the debt to also reported it on my credit and also sued me for the balance. I ended up settling that debt out of court. Nevertheless, due to Synchrony 's refusal to report the balance as XXXX  since they sold the debt, it now looks like I owe double the debt. This is wrong. 

Also note that I had a friend contact their attorneys and they wont even respond.
Consumer complaint received 2020-12-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2021-01-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CCS Financial Services, Inc. (TX)

I never received notice from XXXX that I owed {$100.00} In addition during the period in question I had account issues in moving and changing accounts, nothing financial. They never informed me ever and even on the phone repeatedly told me that owed nothing, Yet the amount showed up in collections and is now killing my credit score I was advised to pay the credit collections agency so I did, but that was in XXXX and my credit is still in the the trash of {$100.00}!!! I've never missed a payment ever!
Consumer complaint received 2023-05-20
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. (MO)

This Acct is inaccurate i will provide proof, Incorrect information on your report XXXX XXXX Is Reporting Duplicate Acct on My XXXX report i disputed mutli times and they will not remove it here is the company response Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response VIA CFPB PORTAL XX/XX/XXXX Re : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Consumer : XXXX XXXX XXXX CFPB ID : XXXX Dear Sir or Madam : This letter is in response to the above-referenced complaint filed with your office on XX/XX/XXXX. XXXX XXXX obtained his account from XXXX XXXX XXXX  in XXXX, MO on XX/XX/XXXX, in the amount of {$310.00} and agreed to repay it in ( 6 ) monthly installments of {$52.00} beginning XX/XX/XXXX. The account was assigned as account number XXXX. No payments were received on the account, and it was charged off on XX/XX/XXXX. The account was then internally transferred to XXXX XXXX in XXXX XXXX, MO on XX/XX/XXXX, and assigned account number XXXX. On XX/XX/XXXX, XXXX sold the account to XXXX XXXX XXXX, XXXX. XXXX XXXX was notified of this sale and the contact information for all future communications regarding the account. XXXX XXXX indicated in his complaint that the XXXX account is not reflecting his bankruptcy. The only case for a XXXX  XXXX bankruptcy under XXXX XXXX name and social security number is in the XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX with a date of file being XX/XX/XXXX. XXXX can find no evidence that XXXX XXXX was under bankruptcy protection during the time XXXX owned his account. Unfortunately, XXXX can only furnish XXXX XXXX account information to the credit reporting agencies up to and including the date when the loan was sold. Any transactions or obligations under state or federal law that allow for protection under bankruptcy after the date of sale need to be addressed with the purchaser of the account. As XXXX  is no longer the owner of the account, all communications regarding this account should be directed to : Customer Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX Department ATTACHMENTS 5_CFPB Response XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Select Portfolio Servicing, Inc. ( " SPS '' ) failed to pay my property tax from escrow impound. SPS claimed that SPS paid my property tax on XX/XX/2019. XXXX XXXX County has not received property tax payment as of XX/XX/2019.
Consumer complaint received 2020-12-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RoundPoint Mortgage Servicing LLC (CO)

Roundpoint Mortgage Account No XXXX Property Address : XXXX XXXX XXXX, XXXX XXXX, CO XXXX Loan refinanced/paid off XX/XX/XXXX Debited my personal checking account XX/XX/XXXX for {$3000.00} How can they debit for a mortgage payment that has been paid off? Called and they said it was my fault because of an online request? Regardless of what the request may have been for, the loan was paid-off. Now being told have to wait 5 working days, and then they 'may ' be able to request a check be issued to me? And they can't XXXX  so I'm looking at not getting my money back until possibly the 2nd week of XX/XX/XXXX? And they can't credit my account, then how is it that they can debit my account?
Consumer complaint received 2024-03-20
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. (FL)

Account Number starting with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX, Whose address is XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX, Dear : whomever who is reading this I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer. As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard. 
Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter. Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (CA)

On XX/XX/XXXX an account from Target/TD Bank was reported to my credit profile. Current data still shows it being reported as of XX/XX/XXXX. According to the State of California, the state I reside in, the statue of limitations for reporting of this type of account is 4 years. Today is XX/XX/XXXX and is past the date the law allows this to be reported.
Consumer complaint received 2020-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

XXXX is incorrectly reporting two separate federal loans as a single loan, improperly causing my credit report at Experian to calculate incorrectly. XXXX has been informed that they are reporting incorrectly and have so far refused to fix their error, most likely because their system is automated and nobody has manually tried to update my reporting to Experian, so my credit score at Experian continues to be negatively effected by their actions.
Consumer complaint received 2023-04-18
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. (TX)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX 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 2016-09-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (AZ)

Mtg ln was sold from XXXX XXXX to Nationstar Mtg off XX/XX/2016. I requested payoff from XXXX so I would not experience fallout. They sent info back to me via snail mail and I got it on XX/XX/XXXX/letter from XXXX stated that eff XX/XX/XXXX, all pmts must go to Nationstar. I decided to send {$50000.00} a day via bill pay ( electronic file ) the week of XX/XX/2016 to XXXX to pay down the loan of {$220000.00} gradually and reduce daily interest. My Monday XXXX and Tuesday XXXX electronic payments were returned from XXXX so I cancelled the remaining electronic payments scheduled for that week ( additional {$120000.00} ). Called their customer support and was advised there was a 'code ' on my account and no credits could be applied UNTIL AFTER the transfer process from XXXX XXXX was completed - BY XX/XX/2016!! ( where I 'd previously worked, conversions of complete banking institutions were completed over a week-end so as not to affect customers ). So for an entire week, I was unable to reduce my principal. So I opted to send a cashier 's check for {$220000.00}. via certified mail on XX/XX/2016 ( tracking # XXXX ) then once applied to my loan # XXXX, I 'd get a new payoff on the remaining balance of approx {$800.00}. But I decided to wait until after they sent my county taxes that were due no later than XX/XX/2016 from the escrow account. As of today, XX/XX/2016, I confirmed my cashiers check for {$220000.00}. was signed for at Nationstar Mtg the morning of XX/XX/2016 but that payment has not yet been credited to my mortgage. Thus the daily interest on that at 3.50 % of {$21.00} has accrued unjustly these past 2 nights. And the county taxes have not yet been paid - they only have this week to get that done. Calls to customer support on XX/XX/XXXX were met with the response that payments can not be effective dated and it was my responsibility to pay the accrued interest during that timeframe! I know that inability to effective-date payments to be a false statement. And their emails welcoming me to their 'world ' noted that payments due the week of XX/XX/XXXX thru XX/XX/XXXX would be posted with the correct effective date when processing was able to be started ... First complaint is the consumer should NOT be penalized daily accrued interest because their system can not complete conversions of purchased mtg loans for a week.. Second complaint : why have they not yet posted my cashier 's check received by them on XX/XX/XXXX. And when they do, they should be required to effective date the posting so that accrued interest will adjust accordingly. Thirdly - when are they paying my county taxes due by XX/XX/2016 ( Sat ). Having worked in XXXX for over 45 yrs, I 'm perhaps a bit more knowledgable than the norm and when I 'm told that effective-dating payments can not be done then I know they are either misinformed in the customer support or they are gouging customers.. Letter with documentation sent to XXXX XXXX , XXXX on XX/XX/2016 as well. Awaiting response.
Consumer complaint received 2024-03-20
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. (TX)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-19
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. (CA)

On XX/XX/XXXX an account from XXXX XXXX was reported to my credit profile. Current data still shows it being reported as of XX/XX/XXXX. According to the State of California, the state I reside in, the statue of limitations for reporting of this type of account is 4 years. Today is XX/XX/XXXX and is past the date the law allows this to be reported.