davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-03
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. (SC)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-24
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. (GA)

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. 
Accounts are : XXXX XXXX  ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX DEPT OF ED ACCT # XXXX / XXXX ACCT # XXXX DEPT OF ED ACCT # XXXX DEPT OF ED ACCT # XXXX XXXX  XXXX ACCT # XXXX XXXX XXXXXXXX XXXX XXXX XXXX US DEPT OF EDUCATIONXXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX-OPENED XX/XX/2014 ACCT # XXXX XXXX OF XXXX DEPT OF XXXXOPENED XX/XX/2014 ACCT # XXXX XXXX XXXX XXXX ACCT # 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 an 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 2019-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

NewRez financial has applied an escrow account that I have not applied for or authorized. I have tried to call the company multiple times to have it removed. Each time they advised they will remove the additional charges and they have not. My mortgage is still {$150.00} more per month than what we originally agreed to.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2019-07-15
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. (IL)

Instituted credit freeze at Transunion 2 years ago. Bought a new car from a manufacturer that used Transunion and was unable to unlock report. Transunion unhelpful in getting report unlocked. Almost like I was being punished for locking my credit file.
Consumer complaint received 2019-07-15
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Riverwalk Financial CORPORATION (IL)

the name of the company id like to complain about is riverwalk financial.I received several misleading phone calls regarding my federal student loans. XXXX is currently the holder of my student loans and they are currrent and in forbearance. I spoke with one creditor who was very crafty with his words and he sent me some documents that i really didn't understand and i sent them back. He told me it was a program for school loan consolidation and i told him i am current and in forbearance. This company is now calling me all hours of the day and demanding payment when i told the person on the other end of the line that i was in forbearance and unable to make payments at this time. Considering my loans are already in forbearance I thought nothing of it and continued on with my life as usual. Since XXXX XXXX i have been receiving harrasing phone calls demanding payment. when i explained that i am in forbearance and do not have to make payments to a XXXX party the gentleman said that he didn't care, if i do not make payments that it will get sent to collections and go against my credit report. i told him what he was doing was not fair and he basically told me there was nothing i could do about it even if my loans were in forbearance i still owe riverwalk financial institution their payment. i received a message on my banking app that my credit score drop from a XXXX to a XXXX overnight. i feel like this is a scam and are trying to make me pay them instead of my loans and i'm not sure where the money is actually going because my federal student loans are current and in forbearance.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-17
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. (TX)

This company is allowing the furnishers to furnish information that is inaccurate to my credit report even after I notified them of my dispute. From my understanding this is a violation of 15 US Code 1681i and 15 US Code 1681e. The credit reporting agencies must follow reasonable procedures. From my understanding this company could be held liable under 15 usc 1681n for willful noncompliance
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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

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 Reporting income on my consumer report
Consumer complaint received 2019-12-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (DC)

Received multiple harassing phone calls -- 3 in a day, XX/XX/19. I called back because I'm annoyed, the recording asked for me to input my social security number -- which I did not input. I looked the company up, called them, and they again asked for my SSN, which I did not give. Then I told them I was going to report them and I am. They looked up my account with the last 4 of my social and I am not in the system for owing anything. Please investigate them, I can only imagine what they are doing to people who don't know to come to the CFPB. Put Jefferson Capital Systems , LLC out of business.
Consumer complaint received 2023-02-24
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. (WI)

XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : DEPT OF ED/XXXX XXXX charge off account DEPT OF ED/XXXXT XXXX charge off account XXXX XXXX XXXX XXXX late payment account XXXX XXXX late payment XXXX XXXX XXXX XXXX charge off account I do not believe that these items are accurate and I am requesting that they be removed from my credit report. 

Regarding the charge off accounts from DEPT OF ED/XXXX I have been making regular payments on my student loans and I do not believe that I have missed any payments. I would appreciate it if you could review my account and correct any errors that may have been made. 

As for the late payment accounts from XXXXXXXX XXXX  XXXX and XXXX, I do not recall missing any payments and would like to see any evidence that shows otherwise. 

Lastly, I am disputing the charge off account from XXXX XXXX XXXX as I have never had a loan or any type of credit with this company. 

I request that you investigate these disputed items and provide me with a written response detailing your findings. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX has broke this statute/law. They need to prove to me that I received my statements 21 days prior to the due date. 

15 U.S. Code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

( Pub. L. 90321, title I, 163, as added Pub. L. 93495, title III, 306, XXXX XXXX, XXXX, 88 Stat. 1514 ; amended Pub. L. 11124, title I, 106 ( b ) ( 1 ), XX/XX/XXXX, XXXX Stat. 1742 ; Pub. L. 11193, 2, XXXX XXXX, XXXX, XXXX XXXX. XXXX. )
Consumer complaint received 2019-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (TX)

I was denied a credit card with American Express on XX/XX/XXXX ref #  XXXX I was denied due to an acct opened in XX/XX/XXXX and cancelled in XX/XX/XXXX for bankruptcy. That was 17 years ago. American Express says it will issue me a new card if I repay the XXXX XXXX dollars relieved through XXXX XXXX bankruptcy court. I believe this is both illegal and discriminatory.
Consumer complaint received 2019-07-15
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: STATE FARM BANK, FSB (TX)

none of the credit bureau have my number on the fraud alert XXXX aslo state farm is not showing on my get credit with XXXX it showed before and XXXX XXXX also XXXX XXXX   taking more than 30 days for my dispute and XXXX wont let me look at my credit even when i tried paying
Consumer complaint received 2023-02-24
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. (FL)

I asked the 3 major credit bureaus to do a thorough investigation of all the information on my credit report for completeness, accuracy and inconsistency ; I also asked to provide proof of accuracy for such and copy of an updated report within 30 days of receiving my request. 

XXXX and XXXX, provided a copy of my report past the 30 days and stated that everything was accurate. I did a through research myself after receiving the reports and still found improper, inaccurate and missing information in my credit reports. Experian has still not responded to my request or sent an updated credit report, I also did a through research myself and still found improper, inaccurate and missing information in my credit report past 30 days of my request. 

None of the 3 credit bureaus provided documentation with proof of these changes within 30 days and my credit bureaus are is still reporting inaccurate, inconsistent and missing information. 

As per 15 U.S.C 1681i ( a ) ( 1 ) - Procedure in case of disputed accuracy, my rights have been violated. 

In accordance with the Fair Credit Reporting, the following accounts have violated my rights among other inaccurate information such as name and address update. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request to please follow up with the credit bureaus about this important matter.
Consumer complaint received 2019-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (PA)

I have a XXXX Visa Credit Card issued by Commenity Bank. 
I received an email from XXXX, the retailer, selling a XXXX XXXX instant pot. At the top of the email it said, Horray! you have an available credit line of XXXX. 
This email came unsecure with my available credit amount in it. 
I contacted Commenity Bank on XX/XX/XXXX at XXXX at XXXX and explained my concern of my available credit being sent in unsecure email and I didn't authorize this and I would like my privacy updated. 
She transferred me to XXXX XXXX customer service. ( I found out they are a division of XXXX ) I explained my reason for the call, she said she couldn't do anything for me. 
I called XXXX XXXX three times at XXXX XX/XX/XXXX at XXXX est, XX/XX/XXXX at XXXX est and XX/XX/XXXX ( twice this day ) once at XXXX and once at XXXX. I was transferred to their corporate customer service. I had to leave a voicemail. I never received a call back. 
I do not want Commenty bank sharing my available balance with XXXX so XXXX can blast that out in an unsecure email.
Consumer complaint received 2019-12-10
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)

There are two accounts reporting on TransUnion with a company by the name of XXXX XXXX. I have never had any type of account with this company. I even tried to look it up on line and there is nothing that matches this company. I don't have any type of loan with them especially not 2 of them.
Consumer complaint received 2024-02-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am disputing the late payment accounts listed on my credit report due to a tragic event that affected my finances. The associated banks have agreed to remove them under these circumstances. Upon contacting the banks, I talked to someone within the company to confirm the documents had been received and they informed me that they never receive documents from the CFPB. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I've discovered inaccurate information on my reportan incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I am a senior citizen on XXXX a fixed income. due to my condition a modification was negotiated with Ocwen loan Servicing LLc in XXXX with a deferred {$XXXX} at loan term in XXXX. after much litigation, as Ioan had no prepayment penalty I paid all bearing interest principal in full, {$XXXX} monthly payments were made {$XXXX} principal & {$XXXX} escrow. Ocwen then decided to refuse monthly payment after a year of litigation they realized I was complying with modification terms. in XXXX Ocwen decided to modify except they demanded I pay {$XXXX} to start modification. to me it was surprising as I never heard of payment to modify person 's loan on XXXX. ocwen refused paymwents twice, then I included Ocwens representative 's correspondence which stated I was to pay principal bearing interest first then with no penalty. 
as seen in attached documents, with my family 's help I managed to pay all monthly payments in addition XX/XX/XXXX {$XXXX} in following months We paid another {$XXXX}. in XXXX we paid over {$6000.00}. XX/XX/XXXX taxes and insurance as seen paid into escrow. PHH is demanding more escrow for projection which is unfair as I already send my entire Social Security check to satisfy loan. We no late payments or past due except PHH wants to add over {$3000.00} dollars to loan for projections. I advised PHH that my modification is specific to exact payments due to limited income. to no avail even talking to managers.
Consumer complaint received 2022-12-23
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. (TX)

I asked the credit bureauto perform a verification on the collections that are on my credit report. They have stated that all the accounts are accurate. While I performed a through research myself and find improperinaccuracies after they performed their research. 

In accordance with the Fair Credit Reporting act Convergent Account # XXXX Account Name : 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 2019-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Because Equifax does not update the information on my credit report it has caused me to be denied credit. They have been showing accounts as owed that have been paid for months. 
I attempted to resolve with Equifax and they tell me to file a dispute. I know I am one of thousands who are having this same issue. If they can not do their job they, at a minimum, should be fined. I am weary of this happening over and over again. They must be held accountable!
Consumer complaint received 2023-02-15
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: EQUIFAX, INC. (AL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re investigation.