davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-01
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. (NC)

On XX/XX/XXXX, my husband and I requested credit investigations as Equifax and XXXX XXXX. Since that time, my husband has received his results, but I still haven't received anything in response. Equifax and XXXX XXXX were supposed to respond within 30 days. I am attaching a copy of the letter we sent them, requesting investigations at the same time.
Consumer complaint received 2024-02-17
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. (AR)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

On XXXX XXXX XXXXXXXX I submitted a letter to the Consumer Financial Protection Bureau about the late reporting error being reported by the creditor, XXXX XXXX XXXX 

According to their response, my XXXX payment was 19 days past due as of XX/XX/, but on XXXX XXXX XXXX they reported my XXXX payment as 30 days late, which reflects their error in reporting. 

According to the payment report they submitted to the Consumer Financial Protection Bureau, my payment was made on XX/XX/, and was 10 days late. 

Not only did they report my payment as being 30 days late, but the error in their reporting caused my credit score to drop XXXX XXXX 

On XXXX XXXX XXXX I submitted a reporting dispute with the credit bureaus, Equifax, XXXX, and XXXX to have their error corrected and on XXXX XXXX XXXX XXXX XXXX XXXX updated my credit file to reflect my XXXX XXXX XXXX XXXX  payments as " unknown '', added my current payment status as " 30-59 days late ' and added a note on my file which reads, " affected by natural disaster '' which this inaccurate reporting caused my score to drop even more. 

The erroneous information remains on my credit report in violation of Federal Law.
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I have on my report a previous address of XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX and I never lived there. I did however live next door at XXXX XXXX XXXX. I disputed this on experien and they updated it as still being XXXX of my previous addresses. I also have XXXX more wrong addresses on my file that I just disputed. XXXX XXXX XXXX XXXX  in XXXX and XXXX XXXX XXXX in XXXX. Both in NJ. I would like them taken off my report please and thank you.
Consumer complaint received 2018-10-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (LA)

I was checking my credit report and saw i had a collection account with this company, I've never had any dealing with this company. I've different tactics such as a debt validation letter asking them to provide my signature as well as with me giving my permission to share my information with a third party as well as contacting them to remove this negative reporting item from my credit report and I've received no solution
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NC)

I submitted a dispute about my Wells Fargo loan because they are closed and 7yrs have passed. When I recieved an update from XXXX  I found that they re opened a closed account without any notice, which dropped my credit score 19points. The drophas ruined the chances of getting transportation to work. Please reverse what was done.
Consumer complaint received 2020-02-17
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: Experian Information Solutions Inc. (FL)

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following NOT Metro 2 Compliant accounts should be removed : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX  XXXX XXXX Account : XXXX Creditor : XXXX ( OC : XXXX XXXX ) - Account : XXXX Creditor : XXXX XXXX ( XXXX XXXX )  - Account : XXXX Creditor : XXXX XXXX ( OC XXXX XXXX XXXX ) - Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Consumer complaint received 2022-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (GA)

My condo insurance was up for renewal. My mortgage service, Loan Depot, charged me {$870.00} on XX/XX/21 for Insurance through my Escrow. Then, in XXXX, Loan Depot changed their servicing from Loan Depot to Loan Depot.com LLC, and changed their log in portal and tranferred the loan. 

The " New '' servicer with basically the same company name is saying they do not have any record of my Condo insurance. I havent been able to get in touch with the original agent on my policy. Loan Depot paid insurance in XXXX and is now acting like they have no record of my policy. They are threatening to purchase another policy on my behalf at 2-5X normal rates.
Consumer complaint received 2017-10-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NV)

We have a mortgage and Select Portfolio Servicing is the servicing company. We have made repeated attempts to get a payoff so we can pay our balance in full. First they told us it takes 72 hours. When 72 hours passed they then said it takes 5 business days. I know other servicers can have a pay off in 10 minutes. This mortgage accrues interest daily and I am not being allowed to pay it off!
Consumer complaint received 2022-06-01
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. (NV)

Hi I am submitting this XXXX XXXX  XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXXXXXX now.with no help.
Consumer complaint received 2022-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (IN)

On XX/XX/2022 Credit Collection Services ( CCS ) signed for a Certified piece of mail that I sent on XXXX XXXX. The letter consisted of a formal dispute of a debt they claim I owe. I requested CCS provide " validation '' that beared my signature showing that I had or ever had any contratual obligation to pay them. CCS was also advised that any negative mark found on my credit report was a violation of the FCRA & FDCPA. CCS responded with a supposedly " final bill '' with another company 's name on it, claiming I owe them for the bill ; with no supporting paperwork that is, competent evidence, bearing my signature showing I had or ever had any contractual obligation to pay them. Their response has failed to provide me with viable evidence bearing my signature that the account is being reported accurately. 

On XX/XX/2022 I was notified by XXXX that CCS has placed a collection item on my credit file illegally. CCS has violated the FCRA, FDCPA and state and local laws by doing so and not providing me with proper evidence to validate the debt.
Consumer complaint received 2019-05-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (NJ)

Paid car loan in full, on XXXX19, was told title and lien release was mailed on XXXX19 and to allow 7-10 business days for receipt. Several phone calls after the 10 days to advise no title was received. Spoke to supervisor who DID NOT return call as promised. Still have not received it as of XXXX19. Have called multiple times to inquire. Each time was told to wait longer. Last call on XXXX19 was told " OH IT MUST BE LOST ''! Was told they will XXXX  XXXX lien release, paid in full documents and I would receive them in 1-2 days. Still no documents as of today, XXXX19. Another phone on XXXX19 indicated that the documents still HAVE NOT been sent out. currently waiting another return call.
Consumer complaint received 2022-12-18
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. (GA)

The credit reporting agencies stated the these accounts where properly investigated and came back verified, however thats not true there are several inaccuracies on my credit report Ive sent certified mail disputes online more than once and they still state thats its correct where they arent In accordance with the fair credit reporting act everything has to be 100 % accurate on my credit report under 15 U.S.code 1681e ( b ) and 15 U.S.code 1681i ( 5 ) these accounts are in violation of reporting 100 % accurate information on my report Account name : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX it state date opened XX/XX/2018 and first date of delinquency XXXX XXXX I have never sign any papers with this account holders name the amount thats on my credit report is outrageous XXXX thats is true
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

Ive received my most current XXXX XXXX  report dated XX/XX/2022. 

THERE ARE XXXX BANKRUPTCIES IN MY REPORT. 

THE CREDIT BUREAU KEEPS SHOWING THERE IS ONE. 

THIS NEEDS TO BE FIXED IMMEDIATELY. 

Ive already attached the report to my complaint I have with the XXXX Attorney Generals Office Thanks
Consumer complaint received 2020-02-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

According to the Fair Debt Collections Practices Act a third party collection agency must be bonded in the state where they are attempting to collect a debt. ARS ( Account Resolution Services ) located at XXXX XXXX XXXX in XXXX, Florida XXXX is reporting a medical collection in the amount of {$530.00} on my credit report, but they are not bonded in my state of residence ( Texas ) to collect debts, therefore, this should be removed immediately from my credit report and they should stop any collection attempts immediately. I have contacted them at least three times and each time I tell them that I have checked with the Secretary of State in Texas and confirmed that they are not bonded they simply transfer me to a voicemail, yet this collection remains on all three credit reports.
Consumer complaint received 2023-06-24
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. (GA)

XXXX has has five fraudulent inquiries on my credit file that needs to be removed, I did not check my credit for these inquiries to show up please remove these inquiries off my credit report they fraudulent I do have screen shots of those accounts transunion has 7 inquiries on my report that are fraudulent I filed this CFPB to have them removed and the two XXXX XXXX XXXX XXXX accounts thats on my credit report also needs to be removed those accounts are fraudulent, I did not open those accounts, and I will send a ftc identity theft report please do yalls job and not ignore this ftc complaint it acts the same way as a police report, I do have screen shots of those accounts
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I recently received a copy of my credit report and I noticed multiple billing errors. 

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. If you can't apply that information then it is false allegations and you are in violation. i am entitled to {$1000.00} per violation.
Consumer complaint received 2022-06-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MA)

On XX/XX/XXXX I made a purchase of {$290.00} at XXXX and agreed to a promotional payment offer made by Comenity bank. The offer was XXXX interest if paid in full by XX/XX/XXXX. I made payments each month in a timely fashion, and they cashed each check I sent, however they failed to post 2 of the checks to my account. I caught the 1st missing payment on Sunday XXXX. I immediately called and messaged to them on their website with copies of the check. On XX/XX/XXXX I caught yet another check that they cashed and had not credited to me. Once again I called and sent a message to them. I was advised by a customer rep on the phone that I would have to pay the amount again ( basically overpay my account ) for the missing payments while they research the problem so as to not get hit with the accrued promotional interest. I did this on XX/XX/XXXX. I checked my account balance on XX/XX/XXXX and it was XXXX. They then proceeded to bill me {$26.00} for accrued interest. (?? ) They have since credited my account for the missing checks but not the XXXX in interest. I paid this so as to not have my credit score hit, but here I wait to get it back all I hear is crickets from Comenity. Hoping you can intercede and get this money back. This is not a lot of money. But this is stealing. This company needs to held accountable.
Consumer complaint received 2022-06-01
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. (PA)

I recently read through a copy of my credit report, and I saw addresses on there that are not correct. I looked up your website and I have enclosed the proof of current address that you require. The only address that should be listed is shown in the image below that's reported from XXXX. I also would like for you to correct the spelling of my name. There should absolutely not be any variations of my name because it is spelled one way and one way only. Please send me an updated credit report as soon as you have deleted the inaccuracies listed above. 

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/1977 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I am writing to request the removal of a dismissed bankruptcy and associated late payment remarks from my credit report. Despite previous attempts to address this matter, I have not received a satisfactory response, and the inaccurate information remains on my credit report. 

The dismissed bankruptcy, which occurred [ XX/XX/year> ], was ultimately resolved and dismissed [ XX/XX/year> ] by the court. As a result, it should not be reflected on my credit report as it inaccurately portrays my financial history. 

Furthermore, any late payment remarks associated with this bankruptcy are also inaccurate and misleading. These remarks do not accurately represent my creditworthiness or financial responsibility, as the dismissal of the bankruptcy indicates a positive resolution to the situation. 

I have sent in attached documentation confirming the dismissal of the bankruptcy for your reference. I kindly request that you promptly investigate this matter and take the necessary steps to remove the dismissed bankruptcy and associated late payment remarks from my credit report. 

I understand the importance of accurate credit reporting and its impact on my financial well-being. Therefore, I urge you to prioritize this request and provide me with confirmation once the inaccuracies have been corrected. 

Thank you for your attention to this matter. I look forward to receiving confirmation of the removal of the dismissed bankruptcy and late payment remarks from my credit report. 

Sincerely,
Consumer complaint received 2022-06-01
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any
Consumer complaint received 2022-06-01
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AES/PHEAA (KY)

As a follow up of complaint ID XXXX. 

After reviewing my recent consumer report, I have noticed that Fed Loan Servicing has failed again to comply with the federal law. They have furnished numerous late payments to my consumer report from their company. 

They have stated and I quote, " Effective XX/XX/2022, your Direct XXXX Loans transferred to a different servicer, XXXX. Because FedLoan Servicing no longer administers the account, no further action is planned at this time. If you wish to pursue this matter further, you would need to contact the new servicer directly. '' Thus meaning, that this company committed an act that they want me to contact another company to resolve. 

As of XX/XX/2022, Fed Loan Servicing is in violation of the federal law pursuant to 15 USC 1666b ( a ) and 15 USC 6821 ( a ) ( 2 ). 

In addition to transferring my personal and private information to another company without my consent, Fed Loan Servicing needs to provide the original instrument of indebtedness with my wet signature or proof that it still exists. Please confirm that what you are sending states that I am the obligated party for repayment.