davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

child support showed up on my credit report. This was incorrect in the first place because I was on XXXX from XX/XX/XXXX-XX/XX/XXXX so they were not legally able to even go after me for child support at the time. 
Anyway. Eventually they closed the case as paid because they couldn't go after me in the first place, I was never subject to the debt. 
Not only should this not be on my report in the first place, but now it is really really old and still shows. 
it is on XXXX, XXXX ( though XXXX says its from XX/XX/XXXX when I wasn't even born yet. ) and XXXX. 
It is just showing under " closed accounts '' but it reflects badly as it shows I wasn't paying and its very clear what it is for which reflects badly on me personally as well.
Consumer complaint received 2020-08-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Patenaude & Felix A Professional Corporation (PA)

I just received a civil summons for a court date with the National Collegiate Student Loan Trust for the full amount of loans they apparently, serviced at one time. Those loans went into default in XXXX, then in XXXX, I began working with a debt collection service on a XXXX XXXX XXXX, after my XXXX Income Tax Return was garnished. I successfully completed all requirements of the XXXX XXXX XXXX as was then transferred to a new Loan Servicer and began making monthly payments there on time. That's when I last week, I was served by the county sheriffs with civil papers by the National Collegiate Student Loan Trust for the full amount of said loans plus accrued interest. 

I called my current Loan Servicer and they informed that I am up-to-date and in good standing. As my current servicer, no one else should be seeking settlement or have legal standing to do so. My current servicer advised me to contact CFPB based on the prior settlement against the National Collegiate Student Loan Trust.
Consumer complaint received 2020-01-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (IL)

The company is not disclosing the pay off if I want to pay it off early. After researching I'm finding this is a tactic of tribal lenders since they are getting you for +600 % interest.
Consumer complaint received 2024-02-23
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. (NC)

I have disputed the information from XXXX XXXX XXXX with XXXX, XXXX and Experian several times. The credit reports are updated with inaccurate information in which XXXX, Experian and XXXX has been made aware of on several occasions. When I asked to receive the information on how it was verified I don't receive anything. The latest dispute with XXXX was this year XXXX. Started disputing with Experian in XXXX and they are also reporting transaction history in which the law states is illegal. XXXX they just notated the report saying, " Consumer disputes after resolution. '' I have sent XXXX XXXX XXXX and opt out letter there for they should not be providing non public personal information to any 3rd party. XXXX XXXX and Experian are all 3rd parties. The privacy act of 1974 has been violated on so many levels. per 15 usc 6802 and 15 usc 6805 and 16.cfr. 313. 7 has been violated. It is also showing on the credit reports that the account is charged off. A charged off is considered a certificate of indebtedness which means it is income and income must be removed. The law also states it is illegal to report transaction history. despite me attempting for years with XXXX XXXX and Experian about the information on the reports they have opted not resolve this.
Consumer complaint received 2023-01-13
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. (TX)

in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX violated my rights. 15 USC 1681 Section 602 states that I have the rights to privacy 15USC 1681 Section 604A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. I demand that these accounts be permanently deleted from my credit report
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. (NJ)

Experian has been using E-OSCAR to continuously to verify these inaccurate entries on my credit report for 3 years! You or the collection agencies showed no proof verifying these dates belong to me. Please follow The Fair Credit Reporting Act Sections 609 and 609 stating that you must validate a debt by forwarding the original contract bearing my signature, DOB, SSN etc. Why is it taking three years if your obeying the regulations? Because you don ; t have the information needed to keep these inaccuracies on my credit report! 

I've played this game for three years! Obey the regulations. If Experian acts in good faith and adhere 's to The Fair Credit Reporting Act, these inaccuracies would've been removed in 2017 when they were first disputed. 

You're also acting in bad faith by not telling the consumer once an account is disputed online the consumer 's rights are waived, and are automatically stick with a debt that doesn't belong to them! 

Since you can't furnish the original contract bearing my signature, DOB, SSN, act in  good faith and remove these negative items from my credit report! 

Please forward the original contract bearing my signature, DOB, SSN, etc validating the debt belongs to me through this portal. I want the CFPB to see that Experian is acting in bad faith. How are these debts being validated? Anything you send to me, please send through your response to my complaint.
Consumer complaint received 2019-11-21
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc. (TX)

Buyers Beware!!! I closed a Loan in full with the XXXX XXXX several months ago. When the loan was originated an escrow account of 12 months prepaid taxes was set up, plus XXXX collected taxes every month plus fees. It has been almost 3 months from settling this account and XXXX XXXX has still not returned the original Escrow Account Money. Numerous attempts to settle this matter directly with XXXX XXXX have not succeeded. I think they are hoping that I just give up and they keep over {$12000.00}.
Consumer complaint received 2022-10-05
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. (OR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX Balance : {$17000.00}
Consumer complaint received 2020-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (FL)

I have a CitiAAAdvantage card that I have had for over 30 years. Never a single late or missed payment. Always pay off my balance every month. When it expired on XXXX XXXX I was informed the card was not being renewed and I would get a letter in the mail. The letter stated that my card was not being renewed because I had either a write off on another City card or I filed a bankruptcy somewhere along the line.. Both of which are totally false. They cancelled a Universal citi card that I had since XXXX  several months earlier when it was up for renewal for the same reasons!! I spoke to numerous reps from citi to no avail. I was told send copies of my credit reports to the citi credit complaint department, which I did. You do not get to speak to someone from that department to get a straight answer! 
My credit scores are over 800!! I have never made a late payment in my life including 2 current mortgages on my 2 homes 2 leased vehicles and several credit cards! I have no clue what they think they are seeing on my credit report but they refuse to tell me even after I sent them copies when I was told to do so by one of the numerous phone reps I spoke with.. I want a REASON why I am being put though this!!
Consumer complaint received 2022-10-05
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX 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
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A hard inquiry from XXXX XXXX  appeared XXXX, called phone number and discovered this was a TransUnion hard credit pull and I have not applied for any credit recently. TransUnion rep filed a dispute, but did not provide a dispute nber or any other info for tracking resolution. Credit score dropped XXXX  points as a result of the hard pull
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The vehicle loan was financed through XXXX XXXX starting XX/XX/XXXX. About 7 months or shorter into the having the vehicle someone stole and totaled the it. After several months of unanswered questions by XXXX XXXX I was finally able to pay off the vehicle in full. Fast forward to today I noticed they marked this as a charge off in XX/XX/XXXX. I have not been able to get any answers as to why this is marked as a charge off. The charge off needs to be removed from my credit report because I had nothing to do with someone stealing and crashing the vehicle. I should not be penalized for this.
Consumer complaint received 2020-01-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (FL)

Currently I have Flagstar Bank Mortgage. In XXXX the Flood Policy from my Association renewed. I had called Flagstar and gave them a heads up because I had a similar issue with previous mortgage company. I gave them contact for the Flood Insurance company and they said they would note it in my file. I called them after they sent me a letter saying that they needed the information Since I am the XXXX XXXX  I obtained the full policy and added it to there document server. Then I got another letter saying that they need the information. I called again and was first told that they didn't have the information. I told them I called and gave the information and added the policy to the document server. Then I was told that they have the information add they are expediting it. Then I found my escrow account pulled from and called again. I was told it was still being reviewed and they are flagged it to be very important.
Consumer complaint received 2023-01-13
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. (PA)

TRANSUNION is in violation under the FCRA. They have violated 15 USC 1681a ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. All the accounts demanded of fall under these federal law so if CONGRESS DEMANDS these accounts to EXCLUDED from a consumer.report WHY IS TRANSUNION WILLINGLY REPORTING THEM IN DIRECT VIOLATION! TRANSUNION has responded they VERIFIED the accounts past XXXX days THAT I NEVER DISPUTED TO BE INCORRECT there for TRANSUNION conducted a FRAUD RE-INVESTIGATION. I NOW DEMAND TRANSUNION UNDER 15 USC 1681i by definition of investigative report TO PROVIDE ALL NAMES AND ADDRESS OF THOSE PERSONALLY INTERVIEWED to verify such accounts and IF THIS INFORMATION CAN NOT BE GIVEN THESE ACCOUNTS MUST BE DELETED because a proper investigation WAS NOT CONDUCTED
Consumer complaint received 2022-10-05
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX OF XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CARD XX/XX/XXXX
Consumer complaint received 2020-01-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: BB&T CORPORATION (UT)

I purchased a vehicle in XXXX of XXXX for the amount of what I thought was XXXX. As time went on I noticed that even with consistent payments my vehicle cost remained high. I tried refinancing through the company and getting a better interest rate. The company, Regional Acceptance flat out refused to work with me. I found someone to purchase the vehicle on a later date and was told they could not take over the loan. I then tried again to get my interest rate lowered. They refused. Ive looked into re-financing but because the loan terms are so high there is no way to fix the situation without getting into another bad loan. Ive tried to make principal only payments and was told that is also not an option. It would s now XXXX and I still owe {$11000.00}. When I make payments almost {$200.00} is applied to interest and then the rest goes to the principal. I will never have this XXXX car paid off applying most of the payments to interest instead of principal and they wont allow principal only payments in order to bring the interest down. How can this be okay. If there is a lawsuit filed I want my name on it. When I got the car I had just finished a bankruptcy and I am working diligently at maintaining a positive financial history. After 2 yrs of on time payments they should be willing to work with me. The payments are high and I am having a hard time maintaining the high payment. Especially with the rise in housing costs. Right now my son and I are XXXX  because the high auto payment is hindering my ability to pay for an apartment as well as feed my kid.
Consumer complaint received 2023-01-13
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. (FL)

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2020-01-01
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (IN)

On XX/XX/2019 I went into XXXX in XXXX IN to purchase a jacket for my son i went to self check out to expidite my purchase i swipped my card and the message said contact the instituation. I did it two more times because i didnt understand what was going on so i grabbed an employee to assist me on her register it said the same thing i called the company and waited on the line while holding 20+ mins the WAY 2 GO card rep ( Conduent XXXX ) stated '' the system doesnt show that you even tried to use your card ''. For four days i was denied access to my own funds from ATM 's stores over and over again. I was mentally drainned i was emotionally destroyed my children and i suffered tremendously being denied access to my own personal funds. After calling and filing complaints i got a call from a WAY 2 go rep claimimg they were going to deal with the situation and they have failed to
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

Equifax is reporting and account that has been removed from two other Credit Reporting Agencies report. The account is XXXX XXXX XXXX. Ive tried several times to dispute this on Equifax website. XXXX and XXXX have already removed this account.
Consumer complaint received 2022-10-05
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. (CA)

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
Consumer complaint received 2020-01-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

RE : Account XXXX XXXX XXXX XXXX Dear Sir/Madame : I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with the credit bureaus Transunion and XXXX, and you have been able to verify this debt. How is this possible? This is not my account! 

I request that you send me the proper proof that what you are reporting is true, or if you can not, to immediately remove it from my credit report. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for improper reporting of information to the credit bureaus regarding my credit history, actual defamation damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. You have severely limited my ability to purchase a home and get a credit card.

In light of the recent changes to the FCRA ( FACTA ), consumers now have the right to go directly to the original creditor and ask for proof of negative information. In addition, court case opinion No. XXXX XXXX by the US Court of Appeals 9th Circuit, Nelson Vs. Chase Manhattan, the court ruled that the creditor has the responsibility to investigate and make sure that correct information is being reported to the bureaus, and that the consumer has a right to sue under the FCRA, should his or her rights be violated. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter.
Consumer complaint received 2022-10-05
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. (GA)

CFPB complaint # XXXX The business that provided the information in question has 30 days from the date you submitted your request to respond back. No response has been received. The Fair Credit Reporting Act ( FCRA ) requires that Experian allow 30 days for the dispute process to be completed. 

The first initial response was XXXX and now it is XXXX. 

XXXX XXXX XXXX XXXX IS REPORTING UNVERIFIED DATA THAT I DID NOT GIVE THEM PERMISSION OR MY CONSENT TO DO SO.
Consumer complaint received 2022-10-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (WA)

Navy Credit Union has {$10000.00} that should be returned ASAP to the sender. 
It was original send on XX/XX/2022. Navy Credit Union said it will take up to 240 days from XX/XX/2022. Mean while we have been send to collection. 

Please call me for a full discloser.