davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-09
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: Caliber Home Loans, Inc. (CA)

Had an issue with " caliber home Loans '' Made a payment 7 days before the 30 days due date because of an error. 

Check was dated before the 30 days But they don't receive checks electronically so they received it 2 days after the 30 days and report me. 

When their rep called me for the payment I payed on my online banking with him on the line, he didn't tell me it takes them time to receive checks. 

I was never later for a payment before, ever. 

Spoke to XXXX their supervisor He said he see that check was dated on time but they received it after a week. 

Didnt want to help me or even to at least post that payment was made one day after the 30 days late.

I need to obtain a mortgage and I need this to be corrected. 
I desperately need your help. 

Caliber home loan XXXX
Consumer complaint received 2023-01-20
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. (IN)

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following accounts, inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft, so please do so. I need you to remove the following fraudulent accounts and information off of my Credit File 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am requesting that you immediately remove the disputed items off of my Credit File.
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. (CO)

I have attached documentation from the US Government Bankruptcy reporting system ( XXXX  ) to support my request for removal. The law states that credit reporting companies may not report a bankruptcy case on a person 's credit report after ten years from the date the bankruptcy case is filed or discharged. See 15 U.S.C. 1681 The date listed on the court document states initil filing date of XX/XX/2011 case # XXXX I have requested and submitted all supporting documentation to remove it, and they still have not done so. It is clearly past 10 years old.
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: EQUIFAX, INC. (ID)

Contact the XXXX XXXX XXXX, XXXX Equifax and XXXX to validate the debt, I have not received any supporting claims that the debt belongs to me.
Consumer complaint received 2021-12-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CBK, Inc. (KS)

Person called about debt, asked about payment plan said they needed my employer first and a down payment. 
Threatened to take me to court in voicemail but when I called I was told it was already at the sheriffs office and been filed and nothing I could do but wait for a court date. This was the second voicemail. The letter was dated XX/XX/XXXX I called debt collector on XX/XX/XXXX and debt collector told me it was filed on XX/XX/XXXX
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. (ID)

Contact the XXXX XXXX XXXX, Experian XXXX and XXXX to validate the debt, I have not received any supporting claims that the debt belongs to me.
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)

Hello! I opened a dispute with Experian but they failed to investigate my dispute, even though I sent documents showing there is an error and I have disputed this same issue with Experian 3 times! Pleas help me have an actual person look at my documents
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( CAPITAL ONE XXXX, CAPITAL ONE XXXX )
Consumer complaint received 2021-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (NY)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX is reporting inaccurate information on DISCOVER FINANCIAL SERVI. Per FCRA, reporting must be 100 % accurate or the information must be deleted. ( DISCOVER FINANCIAL SERVI XXXX )
Consumer complaint received 2023-01-20
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)

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there's still an account that needs to be UPDATED. I need this account verified in order to clarify my credit report Here is the account : XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-10-11
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. (IL)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2020-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: DISCOVER BANK (AZ)

I used XXXX to put money on an inmates books. Im already charged a XXXX  + dollar fee from XXXX and then I look at my Discover Credit Card Statement and they decided to charge me a XXXX dollar cash advance fee that I never aggreed to. The main purpose of the credit card is to be a credit card. Not charged like a debit card unless i want to get cash back from a store. Ive never heard of cash xfers through a credit card. The website said put in a credit card not a debit card. Ive always known Discover to be a credit card company and also remember a phone call I asked about cash advances and there was no fee if paid on time. I pulled XXXX out at XXXX and was never charged a cash advance fee. I also had to put in a pin number to get a cash advance and never put in a pin for XXXX. I would like my XXXX back. I will attach my statement pdf of the last 12 months you will see the XXXX cash advance from XXXX in XX/XX/19 with no cash advance fee. Then the XXXX of XXXX which was not authorized as a cash advance. It is a credit card purchase not a cash advance. I did not put in a pin or anything.
Consumer complaint received 2021-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The 3 Credit Bureaus are reporting inaccurate information on COMENITYBANK/JCREW ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. ( XXXX XXXX )
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: Acra Intermediate Holdings, LLC (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. CITADELSVC is reporting late, yet it is closed and the balance is zero as reported in XXXX. Lets correct this immediately. The Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( CITADELSVC XXXX )
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: PNC Bank N.A. (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. BBVA USA account is reporting late as reported in XXXX and XXXX. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 

( BBVA USA XXXX )
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: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. RUSHMORE LMS is reporting late, yet it is closed and the balance is zero as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( RUSHMORE LMS XXXX )
Consumer complaint received 2023-01-20
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. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) require the XXXX and Equifax Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX Date Opened : XXXX Balance : {$270000.00}
Consumer complaint received 2021-12-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (GA)

This company is in violation for the false, deceptive, and misleading representation of the character, amount, and legal status of this alleged debt. The negotiable instrument that I originally signed served as a consumer credit contract and was used as a promissory note to pay this alleged debt according to 16 CFR Part 433. I am legally entitled to assert my rights as debtor.
Consumer complaint received 2021-12-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (CA)

My son was very XXXX  and he was flown to a hospital in California for a XXXX XXXX I called XXXX XXXX and asked them to turn off service because no one was in the home for 8months this was never done the bill got to {$220.00} dollars I contested it with XXXX  and got no where. While my son was in the hospital and we were in a different state they sent it to collections. I was told by the collection service ( CCS ) credit collection service that if I paid the bill they would remove it from my credit. I borrowed the money paid the bill it has not been removed. I called them back and asked why it hadnt been removed and when would it be removed. I was told by a different person that ( CCS ) credit collection service would not remove it now that the debt was paid. I could have just left the debt on my credit because it would have damaged my credit if I left it on there or if I paid. When I called XXXX I was told they could not find a record of me calling because the bill was old and the records were not kept ( Ccs ) would call me early in the morning all day while sitting in hospital I was trying to care for son who was slowly XXXX waiting for a XXXX he was in XXXX XXXX, XXXX XXXX, XXXX XXXX, I felt pressure to pay the bill are risk my credit being ruined so I paid it before I receiving a letter conforming that this would be removed now they wont remove it.Not to mention it showed on my credit report that it is cable/cell phone account it is not it just for internet.I am also filing a complaint with the XXXX
Consumer complaint received 2019-07-19
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: TRANSWORLD SYSTEMS INC (KS)

XXXX XXXX has reported a business account to my personal credit bureaus. 

This was for a business and not my personal account. XXXX XXXX has refused to remove the account from my personal XXXX. Also, the representative informed me the account has been sold to nationwide credit. Previously I was informed the account was not going to be sold, however today I was told it was sold. I requested 4 months worth of statements from 2016, they said they would send them to me but never did. I asked for these documents dozens of times. 

XXXX XXXX hasnt sold the account to any agency. However I was told it was by XXXX with XXXX XXXX. Her ID XXXX. They have lied to me over and over again. I confirmed with the collection agency was it sold. 





Nationwide Credit inc XXXX XXXX pa, XXXX
Consumer complaint received 2021-12-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

This company is in violation for the false, deceptive, and misleading representation of the character, amount, and legal status of this alleged debt. The negotiable instrument that I originally signed served as a consumer credit contract and was used as a promissory note to pay this alleged debt according to 16 CFR Part 433. I am legally entitled to assert my rights as debtor.
Consumer complaint received 2019-11-27
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. (SC)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS REPORTING ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION ; THEY HAVE CAUSED SUCH A GREAT HARM TO MY CREDIT, AND BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS WERE NOT AUTHORIZED BY ME.
Consumer complaint received 2023-01-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc (WV)

XXXX XXXX has put out a blanket statement in the media from XXXX about not using 3rd party collectors to collect past due medical bills and has also wiped out hundreds of thousands of past due medical bills owed to XXXX  for excessive collections and lawsuits well I am being collected after through BullCity Financial Solutions for XXXX from a XX/XX/2021 date from the medical provider XXXX I feel this should be immediately deleted from my credit file and sent back to XXXX  for me to work out a payment solution with the provider or accept charity or other financial help which is stated in the media release by XXXX. I have contacted the ombudsmen and await a response but I was not giving any notice to this bill being overdue or given a chance to form a payment process it just went straight to collections when there own website billing practices says otherwise.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2021-12-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Earlier this year, I complained to your agency about bank of America, even though I didn't owe money they put my name in chex system for no reason except discrimination. Your agency contacted BoA and they were supposed to take my name off XXXX  after talking with me and you again. I recently tried to open an account and was denied, because BoA never followed through with removing my name. I am calling this pure discrimination. BoA knows I'm a XXXX XXXX, and that is what their discriminating against me for. They are playing with my life with their ignorance. I would like to press charges and file discrimination lawsuit. Please direct me in the proper direction for that and please what ever you can do to assist me would be very appreciative. Thank you
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was a victim of identity theft, I have been trying to clean up and keep an eye on my credit, I put alerts and freeze alerts on my credit. XXXX will not lock or freeze my credit unless I pay extra for monitoring. That concept should be illegal. Instead of teaching snd helping consumers, they are adding to scams and identity theft. There is a lot on my reports I have nothing to do with, and the inquiries are out of control and none of them did I authorize. The other 2 agencies are the same they are allowing all kinds of information to access and put items on my reports that don't belong. But none of them will do an actual fact check. And why do they keep unlocking my report? Only I should be able to do that. Why are they given such a powerful business that is so important to people 's lives? The credit agencies are destroying lives and they don't care how wrong the data is. Or that I was identity theft because of their data breaches, and allowing everyone into my credit. This is far to serious of my lively hood to allow the credit agencies to continue this horrible not caring attitudes. Yet the privacy and livelihood of every human is in their hands. I should not have to pay money to lock my credit, especially after identity theft.
Consumer complaint received 2021-12-23
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. (MD)

I recently paid off some of my credit card balances and decided to order my Transunion credit report and scores on XX/XX/2021. My credit report showed my recent paid in full on my XXXX XXXX. On XX/XX/2021 my credit score was XXXX. The very next day I had several alerts from different credit unions, I bank with stating my credit score dropped to XXXX. I contacted Transunion, of course they speak how they were trained, going over all the different procedures and nothing in my favor.. I apologize because I really couldn't figure out which section to select to rectify this problem. Of course I had to problem getting my credit score. Just had a big problem with it staying the same.
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.