davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-02
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. (MI)

my identity was stolen and used to purchase multiple fraud accounts. i have reported to the FTC multiple times about this matter as well as made a police report and nothing has changed. this is not fair and i would like some results immediately and also would like to be treated like a priority. This is getting ridiculous and i am tired of getting the run around. 

XXXX  XX/XX/XXXX {$13000.00} XXXX XXXX  XX/XX/XXXX {$740.00} XXXX XXXX XX/XX/XXXX {$530.00} XXXX/XXXX   XX/XX/XXXX {$770.00} XXXX  XX/XX/XXXX {$630.00} XXXX   XXXX  XX/XX/XXXX {$740.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XX/XX/XXXX {$630.00} XXXX  XXXX  XX/XX/XXXX {$560.00} XXXX/XXXX  XX/XX/XXXX {$660.00}
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX and XXXX Compliance Deficiencies and FCRA willful violations by Experian and XXXX XXXX require permanent deletion of my closed accounts. Despite my clear disputes for repeated willful FCRA violations about XXXX XXXX non compliance, Experian and XXXX XXXX are still NOT XXXX XXXX Compliant which should have forced and requested XXXX to verify whether EVERY item and every required field is filled in accurately, mandatorily and logically XXXX XXXX  perfect to meet compliance standards as set forth in the XXXX page Credit Reporting Resource Guide , created by Experian, to meet All of the requirements of the FCRA, FCBA and ECOA to insure maximum accuracy and complete information on my credit report. My attached paper credit reports of XX/XX/22 and XX/XX/22 of Experian for XXXX XXXX disclosed numerous XXXX XXXX deficiencies which are quite obvious to mention as deficiencies should have resulted in AUtOMATIC deletion of the XXXX XXXX file. How could mXXXX XXXX Account be closed on XX/XX/22 but open on XX/XX/22 despite my repeated disputes on this issue? Clearly, Experian and XXXX XXXX  are not XXXX XXXX Compliant mandating deletion of my XXXX XXXX account
Consumer complaint received 2023-05-08
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. (VA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-10-02
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Please reference complaints XXXX & XXXX - XXXX. The main complaint against Capital One has not been fixed. 
1. There are 2 ID Theft debts that they refuse to close with the requested paid in full letter, full removal from all 3 credit bureaus, and full removal from all 3rd collections parties. 
-Capital One - XXXX - TXXXX XXXX XXXXt {$430.00} -Capital One - the acct. ends in XXXX - XXXX XXXX XXXX {$700.00} 2. I have continuous harassment from collections ( hits to my credit and harassing phone calls ) in which the original credit company is XXXX XXXX. Capital One is selling old ID theft debt repeatedly to collections companies. The list is as follows so far, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Capital One just sent a letter stating that they sold XXXX XX/XX/2020, to XXXX XXXX XXXX, XXXX. However, the collections was/is from XXXX XXXX, and XXXX XXXX XXXX, so I have no idea where it is.

3. This is a violation of my Fair Credit Reporting Act ( FCRA ) by sending to these 3rd parties as well as harassment.

4. Capital One is refusing to close or even identify these thefts. I have sent every required requested item to them. Ive sent 2 FTC ID Theft reports, notarized affidavit, several validation letters that have gone unanswered with valid information. Letters were sent by certified mail as well. 
The above main cfpb complaints have been answered sort of : 1. Capital One Reply Letter - XX/XX/2020 -Capital One ending in XXXX XXXX XXXX XXXX   {$700.00} ID Theft debt has not been put on our credit yet, and Im receiving harassing phone calls. 
XX/XX/2020 Letter states - that XXXX - XXXX XXXX XXXX   {$430.00} debt was removed from the credit bureaus, it was sold to XXXX XXXX XXXX, and that we do not owe Capital One a balance anymore but we may owe some other collections agency. There is still no requested paid in full letter. 

2. Capital One Reply Letter - XX/XX/2020 -Again, nothing noted on the Capital One ending in XXXX XXXX XXXX XXXX {$700.00}. Capital One has refused to send a paid in full letter, validation of debt, or removal from 3rd parties. 
XXXX letter states - that XXXX - XXXX XXXX XXXX {$430.00} debt. After 3 days, this letter states that this debt is now valid, and there are no signs of fraud after they had just stated that we no longer owe a balance on this debt. This means that Capital One made no real attempt to remove/investigate the fraudulent account. They will continue to make money selling my fraudulent debts to 3rd parties for years to come. I the cfpb doesnt help, I will never be free from Capital One and their illegal acts.
Consumer complaint received 2020-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (WA)

1. I was seeking a refund to which I was entitled based on the service not being rendered due to COVID from a merchant ( XXXX XXXX ) for {$1600.00}, with a transaction date of XX/XX/XXXX. 
2. The merchant was unresponsive to my request on XX/XX/XXXX, so I proceeded to open a dispute for the charge on my credit card. 
3. Upon learning of the dispute, the merchant responded to me saying they would issue a refund. Chase directed me to withdraw my dispute and that its better to work with the merchant if theyre willing to issue a refund. I proceeded to withdraw the dispute. 
4. The merchant later claimed that the dispute remained on their account. Following Chases subsequent instructions, I was directed me to re-open it via sending a Fax letter, and was told the credit would show up on my account within 2-3 weeks. 
5. I called in later and found out that the time had passed to re-open the dispute, and I was no longer eligible for a credit. The bank apologized and said they believe they can re-open it and I should receive a confirmation within 7 days. 
6. I never received a confirmation. I called Chase back and a manager claimed that too much time has passed, and the funds can not be recovered. 

The negligence of Chase both in instructing me to cancel my dispute, and later instructing me that theyd simply be able to issue a credit if I faxed them a letter, caused significant financial damages to me personally, and my recourses are exhausted.
Consumer complaint received 2023-12-26
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. (CA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-10-02
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: V and H Portfolio (GA)

IVE DIPSUTED THESE FRAUDULENT ACCOUNTS SEVERAL TIMES. XXXX  AND XXXX  HAVE REMOVED THEM. XXXX  IS THE ONLY BURUEA THAT HAS NOT REMOVED THESE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE. THIS CANT BE LEGAL. IT SEEMS AS IF XXXX  IS TRYING TO SABBOTAGE MY CREDIT PROFILE BY NOT REMOVING THESE FRAUUDLENT ACCOUNTS FROM MY CREDIT REPORT.
Consumer complaint received 2020-08-06
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)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX {$610.00} XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX  XXXX {$510.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$78.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$820.00} XXXX  XXXX {$630.00} XXXX   XXXX {$500.00} XXXX XXXXXXXX {$650.00}
Consumer complaint received 2020-10-02
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: 1st Franklin Financial Corporation (GA)

IVE DIPSUTED THESE FRAUDULENT ACCOUNTS SEVERAL TIMES. XXXX  AND XXXX  HAVE REMOVED THEM. XXXX  IS THE ONLY BURUEA THAT HAS NOT REMOVED THESE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE. THIS CANT BE LEGAL. IT SEEMS AS IF XXXX  IS TRYING TO SABBOTAGE MY CREDIT PROFILE BY NOT REMOVING THESE FRAUUDLENT ACCOUNTS FROM MY CREDIT REPORT.
Consumer complaint received 2023-02-09
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. (AL)

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., XXXX, XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have 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 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 2020-08-06
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. (CA)

Numerous reports of delinquencies on my credit report for my XXXX XXXX XXXX lease through XXXX  finance. XXXX did an investigation and identified they made mistakes and reversed the 6 months delinquent reporting. Now, two months later the delinquent reporting has come back with new dates reporting XXXX and XX/XX/XXXX past due XXXX days. 

Calls to XXXX confirm no balance is or has been past due. 

My credit report is severely tarnished once again and has caused tremendous issues with bank loans and home refinance. 

XXXX has been extremely difficult to work with. Im unable to get phone support and agents once again say there isnt a problem. My credit report says otherwise. This has been ongoing over XXXX year.
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am XXXX XXXX. This matter concerns student loans ( account number XXXX ) taken out for me by my father, XXXX XXXXl ( deceased as of XX/XX/XXXX ). The lender is the U.S. Department of Education, and the servicer is XXXX. The loans are " Parent Plus '' loans, with a total amount ( principal and interest ) of {$34000.00}. This amount appears on credit reports issued by XXXX, XXXX, and TransUnion for me, XXXX XXXX. The amount was supposed to have been removed due to my father 's status as XXXX ( XXXX XXXX XXXX   XXXX ) ; this status was initiated in XXXX. The issue occurred because in XXXX, my father overlooked renewing his XXXX status with XXXX, which caused the loan to revert to active status. 

Due to my father 's failure to renew his XXXX  status with XXXX, in XXXX of XXXX the loan amount of {$34000.00} appeared on my credit reports issued by XXXX, XXXX, and TransUnion, DESPITE my having submitted to XXXX on XX/XX/XXXX, my father 's death certificate ( see attached document ). Please assist me in removing the {$34000.00} loan amount from my XXXX, XXXX, and TransUnion credit reports. 

Thank you. 

XXXX XXXX
Consumer complaint received 2020-06-10
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: Experian Information Solutions Inc. (IL)

I have contacted XXXX XXXX XXXX and experian in regards to two account being listed on my credit report. the accounts are identity theft and I have submitted a valid police report with a ftc complaint as well. They will not remove the accounts from my report. I have sent four letters to experian and have received the same response as the accounts have been updated or remains.
Consumer complaint received 2020-10-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (FL)

I have been trying to have this debt validated for years. It is for something/medical related in a state that I do not live in nor have ever lived in. I have sent numerous ( 5 ) validation letters to the creditor listed on my credit report, all of which have been returned to sender. I have also disputed the debt with credit bureaus, both XXXX  and XXXX  were also unable to validate this debt resulting in deletion. XXXX  continues to report a debt that I personally believe to be past 7 years, but the collection agency keeps reporting it newer and newer. I asked XXXX  to delete it as it is past the 7 year window, but also as they have not validated the debt nor has the creditor - which is a violation of my consumer rights and why I am escalating it here.
Consumer complaint received 2020-10-02
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. (GA)

On XX/XX/2020 I requested that TransUnion investigate and validate the following accounts reporting on my credit report : I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : 1. XXXX XXXX XXXX Acct # XXXX XXXX 2. XXXX XXXX XXXX Acct # XXXX XXXX 3. XXXX XXXX Acct # XXXX XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be immediately removed from my credit report within 30 days. 

On XX/XX/2020 I advised TransUnion that previously disputed accounts I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information for the following accounts : 1. XXXX XXXX XXXX Acct # XXXX XXXX XXXX. XXXX XXXX XXXX Acct # XXXX XXXX 3. XXXX ( Acct # XXXX ) On XX/XX/2020 I advised TransUnion that previously disputed accounts I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information for the following accounts : 1. XXXX XXXX XXXX Acct # XXXX XXXX 2. XXXX XXXX XXXX Acct # XXXX XXXX 3. XXXX/XXXX  ( Acct # XXXX ) On XX/XX/2020 I advised XXXX  that previously disputed accounts I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information for the following accounts : 1. XXXX XXXX XXXX Acct # XXXX XXXX 2. XXXX XXXX XXXX Acct # XXXX XXXX 3. XXXX XXXX Acct # XXXX )
Consumer complaint received 2023-05-08
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. (MD)

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 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 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Shellpoint Partners, LLC (SD)

My mortgage loan was service transferred to New Rez in XX/XX/2020, at the time of service transfer the loan was boarded and coded as a discharged Chapter XXXX non-reaffirmed loan significantly impacting my credit. 

I submitted a NOE and the issue was not addressed. I called New Rez XX/XX/2020 and was advised there was a systemic issue and approximately XXXX accounts were impacted and flagged as either an active or inactive Bankruptcy where the consumer was NEVER in a bankruptcy nor was the property a part of a bankruptcy. The representative was going to escalate this account to have the bankruptcy flag removed and issue an ACDV to the credit reporting agencies to correct the error. 

I called to follow-up XX/XX/2020 and spoke with a supervisor after I was on hold for 35 minutes and the representative could not advise of the bankruptcy case number on file or any evidence to support why the loan was coded as a discharged bankruptcy. 

Not only did this effect me but several other consumers who may not be knowledgeable to mortgage servicing regulations and requirements. New Rez failed to properly investigate the account when the NOE was submitted advising of such error. New Rez dropped the call, creating additional stress and time creating another call back and being on hold for almost an hour only to be rerouted the the bankruptcy department hung up on significant hold times.

I was unable to to speak to a supervisor today, and was advised I will receive a call back later today. This has caused unnecessary anguish and stress.

Also due to the incorrect credit reporting I had to pay a higher interest rate on a vehicle I recently purchased where this issue was brought to my attention again.

Additionally - the Periodic Billing Statements did not have the appropriate Bankruptcy disclosures for a discharged non-reaffirmed  chapter XXXX since the loan was coded as such.
Consumer complaint received 2020-10-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (VA)

Attached is the pre-construction/construction contract for the property owned by XXXX XXXX XXXX known as XXXX XXXX XXXX XXXX, VA XXXX. There was a surplus identified in the Wells Fargo Contract of approximately $ XXXX at this time. However, Wells Fargo only issued a closing check to XXXX XXXX XXXX for approximately {$1200.00}. Therefore, Wells Fargo will have to explain whom the $ XXXX was granted to ; whether it was the builder XXXX  XXXX XXXX XXXX XXXX the Wells Fargo affiliate, or the Trustee, XXXX XXXX XXXX XXXX, XXXX. Further, it can be ascertained that the land ( paid directly to XXXX  XXXX XXXX by XXXX XXXX XXXX by automatic drafts ), structure and septic is paid for. The allowance of {$6500.00} is due. However, the consideration is made that these were estimates and that these amounts were not to exceed {$6500.00} for the well and {$4000.00} for the septic. Either way, the base price of the home has been paid and the credit ( s ) offset the added amenities. This contract does list XXXX XXXX XXXX and is signed by XXXX XXXX XXXX. However, it has always been understood by the language drafted on all documents concerning this property and upon signature of all parties ', that XXXX XXXX XXXX is the sole owner of this property and XXXX XXXX XXXX would be listed on the mortgage, expected to pay and would improve his credit upon paying. However, XXXX XXXX XXXX was even removed from the mortgage in XX/XX/XXXX by a bankruptcy court order. Therefore, again it is not understood why or with whom would this be a concern approximately 15 years later as he was never an owner on this property, did not contribute to paying the mortgage and was taken off the mortgage in XX/XX/XXXX ; with no further association with the property. The surplus will have to be identified as to whom received it. An estimated balance may be due of {$6500.00} for the well but there are no evidence of actual costs. This property known as XXXX XXXX XXXX XXXX, VA XXXX is considered paid in full and belongs solely to XXXX XXXX XXXX as drafted on all historical documents since XXXX. Majority of sites indicate a well and septic currently cost in the year of XXXX, approximately $ XXXX {$4000.00} respectively. The {$15000.00} request made by Wells Fargo Home Mortgage by attorney or otherwise in XXXX was disputed in multiple courts including but not limited to the U.S. Bankruptcy Court.