davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-02
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: NAVY FEDERAL CREDIT UNION (MD)

I've sent XXXX and XXXX several dispute letters to have these hard inquiries removed from my credit report, I have not authorized these inquiries with my written consent, Section 604 15 U.S.C. 1681B
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southern Credit Recovery, Inc. (LA)

I had a medical debt in collections from Southern Credit Recovery ( XXXX ). The original creditor is XXXX XXXX XXXX. This debt was paid off and is completely shown as paid/closed on my credit report from XXXX. As of XX/XX/XXXX all paid medical debt should be removed from consumer credit files. The collection account that was paid has been removed from my XXXX and XXXX, but not XXXX. I submitted a dispute with XXXX which was resolved without removing the collection from my account. I then called XXXX and was told that they can not remove this despite guidelines from all three CEOs of XXXX and numerous statements from the white house about this new change going into effect. See statement below : Effective XX/XX/XXXX, all medical collection debt that has been paid by the consumer in full will no longer be included on U.S. consumer credit reports. In addition, the time period before unpaid medical collection debt will appear on a consumer 's credit report is being increased from XXXX months to XXXX year, giving consumers more time to address their debt before it is reported on their credit file. 

These changes precede an additional measure set to occur in the first half of XXXX, namely the removal of medical collection debt with an initial reported balance of less than {$500.00} from credit reports. 

This is adversely affecting me due to having a significantly lower credit score of XXXX on my XXXX account, versus my score of XXXX and XXXX from XXXX and XXXX. This is affecting my ability to borrow from lenders or get approved for apartments.
Consumer complaint received 2024-04-04
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mountain Land Collections, Inc. (UT)

Follow up to complaint XXXX. 

MLC states that a legally compliant validation response letter was sent. However, this is a bold lie. No complaint validation response letter has ever been received regarding the account identified in complaint XXXX. The consumer is requesting proof of such communication being sent. The consumer has all tracking and signature information to document her requests and receipt by MLC. However, no communication has been received by the consumer from MLC other than the previously provided letter stating MLC intends to cease any further collection actions dated XXXX XXXX. No communication has ever been received noting consumers communication preferences nor validation of debt. Nor has MLC addressed the proof of the FDCPA violations in their response to the previous complaint. Valid, actual proof was attached in the previous complaint but was not addressed by MLC. How is it that MLC can disagree with violations when proof was provided in the complaint? As previously stated, MLC may contact the consumer via the provided number to discuss settlement. If settlement can not be reached the consumer will move forward with filing proper court documents.

MLC has chosen not to address the valid proof of FDCPA violations provided by consumer included in the initial complaint. MLC simply chose not to address the provided facts and stated they disagree. On what grounds does MLC disagree with the violation proof provided?
Consumer complaint received 2022-05-05
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. (IN)

On XX/XX/2021 an unverifiable account was removed from my XXXX credit report due to XXXX not being able to verify or validate the account. I sent Transunion and XXXX a copy of the report showing XXXX deleted the account and TransUnion and XXXX says the account will remain without sending me the proper documentation as to why they are not following suit. The account should be deleted, it does not belong on my reports.
Consumer complaint received 2020-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (GA)

This debt was removed, then sent to Trident Asset Management, XXXX, GA which called three times a day and called me at work repeatedly after I ask them not to. I do not owe this debt, never had a Visa with the XXXX XXXX XXXX I want this stopped. It gets removed from my report then transferred and back again, causing my score to drastically decrease. I have no account number to give. Please HELP! Amount is a small {$410.00}, I have many credit cards, car loans, mortgage all are paid on time. Why would I not pay such a small bill if it was mine?
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Dear CFPB, I contacted multiple times to Experian to correct my name and address. But it has not fixed to info which is affecting my credit score. 

Would you mind helping me to correct those info. 

Kind regards, XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (PA)

I have a discharge of my student loans attached to the complaint showing the student loans have been discharged over 3 months ago and still XXXX, XXXX, and XXXX never removed the student loans from my reports.
Consumer complaint received 2022-11-06
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. (CA)

In accordance with Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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 2019-04-16
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 — Investigation took more than 30 days
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

On XX/XX/2019 I sent a certified letter to XXXX XXXX XXXX requesting the send a letter of validation. The company only sent 4 out of 7 things I requested.
Consumer complaint received 2020-04-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

The company response does not include accurate information. Also, I have tried to contact XXXX XXXX for almost two weeks and left several messages and there still has not been a returned phone call. 

For clarification, I am not disputing that the payment was late due to the APR change. I am stating that I was not notified of the minimum payment change. It is stated in the response that I still had access to Online Banking. As I stated in the complaint, when the account was closed, I tried to access Online Banking and could not. I contacted Bank of America and a rep told me because the accounts we closed, I no longer had access and would receive paper statements. I was also told that the auto payments of {$60.00} per month would stop, so I set those up on the phone for {$50.00}. All of this phone call should be recorded. It was the same situation for the business credit card. However, I was receiving started receiving physical statements for that account, but not the personal account, so I was not aware of the payment change. 

I am asking Bank of America to reverse the late payment due to the situation and me not receiving notification on the payments. This was the reason the late payments were revered. I am asking for a reversal of the late payment to my credit report. How can you agree to reverse the late payment due to the error of me not receiving statements, but not reverse the credit reporting? I will continue to dispute this until it is resolved. Credit reporting needs to be reversed.
Consumer complaint received 2022-02-21
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. (NY)

I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. 
The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report.
Consumer complaint received 2020-04-08
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. (AR)

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number, name and birthday. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$17000.00}
Consumer complaint received 2024-03-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC (TX)

XXXX I called to get the payoff and was quoted {$7100.00}, which I paid that day. It was withdrawn from my bank accounts on XXXX. Today ( XX/XX/25 ) I got a new statement claiming I owed additional interest of {$82.00} and denied that the pay off amount given on the phone was correct, but it matched the online portal. I was told today they had no record of my call and insisted I still owed another {$82.00}. I paid the {$82.00} to avoid the impact to my credit they threatened.
Consumer complaint received 2020-04-08
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: Experian Information Solutions Inc. (NY)

To Whom It May Concern, I am currently looking at my credit score on XX/XX/XXXX and notice a few things still have not been removed as I was told they would be. Derogatory marks reported on XX/XX/XXXX would removed completely off my credit file and it is currently still showing. Any responsibility I had with them was validated. On Hard Inquiry It still shows from XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX. ( This was fraud and was never authorized by me ) I have contacted the company multiple times to show me proof type of proof that I personally signed up or did business with there bank. They kept saying they would get back to me and now it's been well over 60 days which to my understanding of the fair credit act means it should come off since they have not provided any proof on this?
Consumer complaint received 2020-04-08
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesman that I could not make any tase. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.
Consumer complaint received 2023-01-04
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)

n accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX, has violated my rights. 
n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
n accordance with the Fair Credit Reporting act 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 2020-04-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (NJ)

On XX/XX/2020 I called Westlake Financial to request a Loan Extension, Forbearance, or Deferment due to financial hardship from COVID-19. I was informed by the company that based on my specific account I do not qualify. I was not given any reasons why even though I have never missed a payment of {$200.00} since the inception of the loan. 

I have spoken to 3 customer service persons at the company and was told that when I get my stimulus check I should pay them. I have since filed a complaint with the XXXX XXXX XXXX, as well as sent an email to the CEO, XXXX XXXX.
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one closed my credit card illegally without notice when I paid the balance down to below 30 % utilization My credit card closed affecting my credit score. And being able to obtain new credit because of this. I found yesterday in my phone finally the proof that I did pay them and they have refused to acknowledge it after several emails to verify payment so Ill attach that proof below XX/XX/XXXX on the picture youll see I paid XXXX dollars to cut what I owed on my balance in half and my account in good standing they wrote off and charged off on their end double that amount XXXX and then I saw XXXX makes no sense when I paid half of that. This is illegal.
Consumer complaint received 2023-01-06
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

I received a CARES Act Forebearance on my mortgage and the forebearance ended according to Carrington on XX/XX/2022. Now that the forebearance has ended, Carrington is asking that I pay all missed payments during the time my loan was on CARES Act forebearance immediately. Carrington is threatening me that if I don't pay they will take away my house.
Consumer complaint received 2022-02-22
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)

Complain ID : XXXX It was deemed by the credit bureau , s on XX/XX/XXXX that My XXXX account was fraud but still my credit report With Equifax, XXXX and XXXX still shows this as a collection account. I sent a letter XX/XX/XXXX that will be attached to this. I am requesting that the credit bureau delete XXXX Collections off of my credit profile.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

Carrington Mortgage incorrect reported mortgage payments. Our mortgage payment is made every month like clockwork. They reported to the credit bureau that we had not paid for XXXX XXXX & XX/XX/. That is 100 % false and now hindering us from getting a Home Equity Line of Credit on our home.
Consumer complaint received 2020-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (PA)

XX/XX/2020- I spoke to a representative in regards to an overdue balance. 

I informed the associate I was not aware of the overdue balance and was under the assumption my card was no longer valid ( previously XXXX XXXX card and issued new TD card with new card # ). The card was used by an authorized signer without my knowledge I informed the associate I would pay the balance in full ; however, I requested to have the {$35.00} late fee and interest charges waived as this was an honest mistake. The agent informed me she, herself, could not waive the fee but would escalate to a supervisor. I was informed I would receive a return call on my cell phone ( verified by agent ) within 48 hours. 

XX/XX/ - I called back as I had not received a returned call on my verified cell # as promised. 

I was informed that I was now past 30 days delinquent (XX/XX/2020) cutoff and I would be reported to credit reporting agencies. I was once again told by the agent she, herself, could not not waive the fee but would escalate to a supervisor. I was informed I would receive a return call on my cell phone ( verified by agent ) within 48 hours. 

After the call I logged into my account and paid the balance in full to " stop the bleeding '' as a callback does not seem promising. 

****I was charged an additional {$35.00} late fee and $ XXXX in interest due to TD 's inability to return my call as promised AND I was reported to the credit bureau*********
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion, XXXX, and XXXX are reporting, a bankruptcy on my consumer report and they have put in the data furnisher as ( XXXX BANKRUPTCY XXXX ), of XXXX XXXX which is false. I have attached a letter from the ( XXXX BANKRUPTCY XXXX ), of XXXX XXXX verifying and stating that they do not furnish information to the consumer reporting agency or any credit monitoring service, nor do they validate or verify any information concerning bankruptcy. 


TransUnion, XXXX, and XXXX falsely stated this information on my consumer file and have not deleted this information from my consumer report.
Consumer complaint received 2020-04-08
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: Experian Information Solutions Inc. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$2200.00} XXXX XXXX  XXXX {$670.00} XXXX XXXX   XXXX {$1400.00} XXXX XXXX  XXXX {$560.00} XXXX   XXXX {$370.00} XXXX XXXXXXXX {$510.00} XXXX   XXXX {$5000.00} XXXX XXXX {$800.00}
Consumer complaint received 2020-04-08
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. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX  {$670.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$560.00} XXXX   XXXX {$370.00} XXXX  XXXX {$510.00} XXXX   XXXX {$5000.00} XXXX  XXXX {$800.00}
Consumer complaint received 2020-04-08
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. (AR)

After several attempts in trying to resolve with Experian, unfortunately I haven't been successful in doing so. I have sent several disputes and correspondence but yet Experian has provided any accurate verification of the accounts that they are reporting on my credit file. When I realized I my identity had been compromised several months I was advised that I needed to reach out to the local authorities. After doing so I was informed I should complete an identity theft report which I did and included several of some the fraudulent accounts in question. XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, and XXXX XXXX. Under the Fair Credit report Experian has 30 days to provide accurate verification as per section 609 and 611. It has been several months and yet Experian has failed to provide any documentation obligating me to any of the fraudulent accounts in question. Experian for some reason continues to violate my consumer rights and the Fair Credit Reporting Act and should be held accountable. It is clear in this situation where no accurate verification has been provided these accounts must be removed or I will be forced to proceed with litigation through a consumer attorney.