davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-23
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. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX/XXXX XXXX
Consumer complaint received 2022-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

I received a debt notice dated XX/XX/year> in re : transactions that were not made by me. I never gave written consent to XXXX XXXX XXXX, XXXX XXXX XXXX, nor XXXX XXXX to report or furnish my information on my consumer report or any other entity.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

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

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UMPQUA HOLDINGS CORPORATION (NV)

Per complaint Complaint Number XXXX on file with CFPB for XXXX. XXXX and XXXX are jointly responsible. 

Please reference original complaint and response on file with CFPB.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please remove this information from my credit report within four business days, in accordance with Section 605C of the Fair Credit Reporting Act. I would appreciate a notification once this has been done. Thank you for your prompt attention to this importantmatter.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to express my concerns about several inaccuracies I have identified in my credit report. These issues include incorrect credit reporting, billing mistakes, unauthorized inquiries, and accounts that do not belong to me.
Consumer complaint received 2022-11-12
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/22 I purchased XXXXXXXX XXXX XXXX XXXXXXXX. The item arrived damaged and not as described. I immediately contacted XXXX XXXX, sent them photos and asked them for an address to return, They declined my request. I then submitted the request to return the items a XXXX time, XXXX XXXX again declined to accept the return. I then opened a dispute with Capital One for the total amount of {$46.00}. 

Capital One then sent me a link to send a photo of the damaged item, I did so on XX/XX/22. I confirmed that they received the photo and confirmed that the dispute would remain open. 

Then on XX/XX/22 then mailed me a letter saying that they were closing the dispute. On XX/XX/22 I called Capital One and went over the matter with representative XXXX, who was no help at all. 

I got my new statement today and they re-billed the charge in the amount of {$46.00}. 

The bottom line is that I am not paying for damaged goods, The merchant will not accept the return and there is no other recourse than to go through Capital One. I am still happy to return the items but have no address, XXXX XXXX will not provide a return address. 

Please help.
Consumer complaint received 2022-11-12
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. (KY)

In accordance with the Fair Credit Reporting act XXXX  for the following accounts : Account # XXXX, Account # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX KY ), Account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ), Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have a 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.
Consumer complaint received 2022-11-13
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. (NV)

No open account associated with these inquirirs and no knowledge of them, please remove and suppress this information, they will not allow me to log into my credit report to even dispute on their website. update my information and remove this incorrect data my name is XXXX XXXX XXXX my phone is XXXX XXXX XXXX my employers XXXX. XXXX XXXX. 

my address are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B Read A and 2 XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX & # XXXX ; XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Credit Inquiries Credit Inquiries- Summary Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-11-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (AZ)

In XXXX I refinanced my home in hopes of paying off some debt. My lender accidentally sent a {$14000.00} payment to my student loan ( which was in Covid deferment at that time ) instead of paying off my vehicle, which created huge financial issues for me. 

I am part of the Public Student Loan Forgiveness ( PLSF ) program XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and when I called my servicer at that time I was told that I would have to complete the PLSF program and would be reimbursed after I hit my 120 payments. I reached 123 payments and have inquired several times about getting reimbursed for the overpayment, but have not been able to get any information about getting reimbursed.
Consumer complaint received 2022-11-13
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. (PA)

I XXXX XXXX am a natural person and i am submitting this complaint/dispute on my own behalf NOT any third person. I have personally disputed an inaccurate account with this CRA as well as the furnisher of this information twice. On XX/XX/2022 i mailed in a third certified letter to to dispute this incorrect information they are reporting. I recieved a notice from TransUnion on XX/XX/2022 that account has been verified as accurate. TransUnion is reporting an account from Eastern Account Systems ( a debt collector ) on behalf of XXXX XXXX XXXX due as of XXXX XXXX in the amount of {$1000.00}. I have a letter from the original company stating that the amount of {$1000.00} was due on XX/XX/2022. How can an account be past due from XXXX if it isnt due until XXXX. I also sent a certified letter to this company to validate this debt with NO RESPONCE. This inaccurate account needs to be DELETED!
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (IL)

On XX/XX/XXXX  I received a copy of my credit report and I noticed 3 accounts that are listed on my credit that are not mine, and I never applied for and never used.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I recently submitted a request for an investigation of the disputed ITEMS, 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 ITEMS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (FL)

On XX/XX/2017 I closed on my home, XXXX was the mortgage holder per the paperwork signed. I was then notified that I would make payments to Planet Home Lending, which I did from the vary beginning. 
Last year my mortgage increased by {$400.00} per month because they stated that they had an escrow shortage due to an increase in my taxes. Not being able to afford that I requested a FHA streamline refinance. 
I received a letter with another individuals Name Address and  Social Security number on it. At that point I was very concerned that my personal information may also be given out to other Customers of this company. 
I called Planet Home Lending to complain and they stated that my refinance was denied. 
I started to research my escrow account only to find that what I paid at closing was not the amount Planet Home Lending started my escrow account with. I paid a total of $ {$1400.00} per my settlement sheet and Planet Home Lending started my escrow account at {$670.00}. 
I contacted XXXX XXXX who explained that this was a net loan and the mortgage company was not paid from the Title Company, but instead deducted the escrow and paid the Title Company the difference ( Never heard of such a thing ). I then contacted Planet Home Lending who told me that XXXX owned my original mortgage and I would have to speak to them. They are out of Business.
Consumer complaint received 2020-01-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity theft. I pulled my credit report and discovered there is a fraudulent account in my credit report. I did not open XXXX XXXX credit card in XX/XX/2007. This is a result of identity theft. I contacted the credit reporting agencies and they deleted the fraudulent accounts from my credit reports. However, Experian credit bureau reinserted the XXXX XXXX account back to my credit report ( please see attached deletion letter from Experian ). I insist that XXXX XXXX XXXX XXXX account is fraudulently opened and I have no knowledge of this account.
Consumer complaint received 2020-01-15
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harpeth Financial Services, LLC (TN)

I have a balance at XXXX XXXX. I've written several times about the high interest and fees regarding this loan. 

I would be happy to pay {$100.00} per month or whatever is agreed upon as I told them before. 

I received a letter from XXXX XXXX XXXX regarding this. The reason I haven't been paying on it is the interest and fees HAVE NOT STOPPED ACCRUING. 

I want the interest and fees to stop accruing from the time I made my last payment, whenever that may have been. 

Now I received this letter from the law firm and they are trying to charge me {$500.00} in attorney 's fees. ARE YOU F KIDDING ME? They are out of their mind if they think I am paying them one dime to write a two paragraph canned letter where they changed the amount and my name and took them 5 minutes. 

I would like to know the total amount of obligation WITH ZERO ATTORNEY 'S fees so I can start paying on the balance WITH NO INTEREST OR FEES from the time I made my last payment a few months ago. This was XXXX 's decision to send this to the attorney. So often, they send it over and laugh about it, then charge the consumer. 

I am also tempted to turn in this law firm to the Bar Association in TN due to this gouging of a payment.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

Ive been trying to get the XXXX date corrected for a long time. And Equifax has failed to correct the problem. So now that it has been XXXX  years since filing XXXX, i want them to delete it from my report. Because legally they have to.
Consumer complaint received 2023-06-06
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: EQUIFAX, INC. (TX)

I need your help in a serious matter involving my credit report. After reviewing my credit, I have realized that you might be reporting damaging information to my name. 
Please review the following : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a collections account. There are late payments and a past due on this account. This is a violation. Please remove this inaccurate account from my credit report. 

After you have finished my request, send me a copy of my credit report reflecting these changes.
Consumer complaint received 2022-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

I have taken a look at my credit report which has caused some confusion. I used my social security number/card defined under 15 USC 1602 ( l ) to extend credit with Capital One Auto Finance to obtain a vehicle. I am a natural person, a federally protected consumer, and the original creditor defined under 15 USC 1602 ( g ). The vehicle which is subject to the transaction was used primarily for personal, family and household purposes. Capital One Auto Finance has engaged in extortion and racketeering activity defined under XXXX XXXX Chapter XXXX. Capital One Auto Finance has violated my consumer rights : -15 USC 1602 ( k ) : I was not informed on the cost of credit. I never received written adequate notice that sets for the pertinent facts for this consumer credit transaction -15 USC 1601 ( a ) : Congress makes it clear that consumer credit would be strengthen by the informed use of credit. The only decision I was given after the consummation of the transaction was to make payments without penalty which is a violation of 18 USC 880 -15 USC 6802 ( b ) ( 1 ) ( B ) : I, the consumer, have never been given the opportunity to direct that my nonpublic personal information should not be disclosed to nonaffiliated third parties such as XXXX, XXXX and XXXX. Nor was I given an explanation on how to exercise the nondisclosure option which is a violation of 15 USC 6802 ( b ) ( 1 ) ( C ). 
-15 USC 1681a ( d ) ( 2 ) ( i ) : the term consumer report does not include a report containing information solely as to transactions or experiences which means late payments should not be furnished on my consumer report -15 USC 1666 ( a ) ( 2 ) I am aware that all extensions of credit are tied to my social security card and that the United States is obligated to all debts under 18 USC 8. Capital One Auto Finance has caused harm by reporting inaccurate information on my consumer report. I am requesting additional clarification in regards to the billing errors under code 15 USC 1666 ( b ) ( 2 ) documentary evidence under 15 USC 44 includes books of account.
Consumer complaint received 2022-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I HAVE PUT XXXX EXTENDED FRAUD ALERTS ON MY XXXX ACCT, ALONG XXXX XXXX XXXX DIGIT SECURITY CODES. NO ONE EVER REQUEST THE CODES IN THE FIRST PLACE. IVE DISPUTED INCORRECT INFORMATION ON THE REPORT MULTIPLE TIMES, YET THE INFORMATION IS STILL SHOWING. AFTER SPEAKING TO CUSTOMER SERVICE, I WAS TOLD THE INQUIREES DIDNT MATTER B/C THEY WERE ONLYM SOFT INQUIREES! THEY ARE REGUALAR INQUIREES AS WELL AS ACCOUNTS THAT HAVE BEEN OPENED AND CHARGED WITHOUT MY KNOWLEDGE. I WAS TOLD BY SOCIAL Security, to be issued a new number, I would need all three bureaus to sign off saying the problem was irreparable. Its obviously irreparable because all I've been able to do since 2020 is dispute items that aren't mine on my credit. Regular inquiries, soft inquiries, ect... If I ever were to obtain any credit Im sure whomever is checking it on every other day basis thru XXXX XXXX XXXX XXXX XXXX would know long before I would and most surely open an account with it.