davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-05
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: Experian Information Solutions Inc. (NJ)

I received a copy of my credit report and correspondence from Experian, XXXX and XXXX stating that my file was modified however they did not remove the 30-day late per my request. Im trying to improve my credit and take care of my responsibilities and noticed this inaccuracy on a few accounts that I wanted a little more explanation on. My score went from XXXX to XXXX with this misreporting. Im fully aware about the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate.
Consumer complaint received 2023-02-24
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. (FL)

The following inquiries continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these inquiries must be verified ( A ). I will bring legal action against you if you do not verify these inquiries. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OK)

We paid our account in full with XXXX XXXX and closed the account. We were assured the account was closed. They lied and fraudulently left the account open. They proceeded to charge us a fee, not alert us a fee was due, and then charge off the account when we failed to pay the fee. This fraudulent activity has been negatively impacting our credit since XXXX. In XXXX of XXXX XXXX XXXX sent us a check and a letter stating that " During a recent review of your account, we identified that an overdraft protection transfer from a linked account may have processed in an unintended manner. Fees, interest, or both related to this transfer are being refunded. As a result, we are enclosing a check in the amount of ( the full amount they claimed we owed ). We apologize for any inconvenience this caused. '' In XXXX of XXXX we filed our third dispute with the credit bureaus to get this taken off our history and XXXX XXXX is still refusing to remove this admittedly fraudulent information from our credit report.
Consumer complaint received 2020-06-19
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Green Square Company LLC. (SC)

I was contacted today by Green Square collections at XXXX and told this was in reference to a loan that I had outstanding with XXXX XXXX XXXX and the balance is {$1700.00}. Per the representative they will be willing to settle this debt for less or set up a payment arrangement. I asked for verification of the contract before agreeing to set up payments and was told " this was nothing more than a stall tactic and good luck in court. '' The representative then disconnected the call. I will not set up a payment arrangement until I receive a copy of the original loan agreement as well as a payment history. I have been advised that this loan was not legal in the state of sc. 

Green Square violated my rights as they are refusing to validate the debt, and I am appalled by the way that I was spoken to. This can not be a legitimate company.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

Experian is reporting inaccurate, unverifiable information. This information is gendering me and affecting my everyday life. Im unable to apply for things. Ive sent Experian validation letters asking for validation on these incorrect accounts. They respond saying they are verified but are not showing me how they are. I have asked for this information since last year 2022. I want to take action now.
Consumer complaint received 2020-06-19
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One is refusing to close my 360 savings account, and is still sitting on my funds. I first wrote to Capital One requesting account closure back on XX/XX/XXXX. Capital One has dragged its feet ever since, holding my account open against my express written instructions.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (CA)

I want to do very basic credit freeze management on Experian. This is easy to do on XXXX and XXXX, but Experian makes it very difficult and forces you to jump through several marketing hoops before providing the necessary controls. This blog post describes it reasonably well : https : XXXX
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

The first delinquent date changed to year of XXXX after I made a payment in that year. I made a payment because it was showing an open balance. 

The first delinquent date was XXXX. This is in violation of my rights and the Fair Reporting Act. This account is past the seven year reporting limitations. 

I have called their customer service several times f for several years, since XXXX. I have disputed the information with the credit agencies and they keep coming back stating the same, but not really investigating it for me. 

Because the date of first delinquency changed my credit score went down XXXX points. This stopped me from getting a home loan for the family. Everything lender needed was accepted but then the score changed.
Consumer complaint received 2020-09-28
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)

In XXXX, I sent a notification to the Credit Bureaus regarding accounts that I don't owe or recollection. I asked to verify. I also contacted the companies reporting. Since XXXX no information has been given from Experian or XXXX. 

This account was Verified as Accurate. My question is, how is this account verified as accurate when, it's not accurate and I do not owe nor has XXXX sent information regarding this account. 

Experian still lists this account AND they have the account listed twice as Duplicate, which is a blatant error and violates Federal Law.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to file a formal complaint regarding the immediate removal of collection accounts from my credit report. 

Despite my persistent efforts to rectify this issue with the credit reporting agencies, the collection accounts continue to negatively impact my creditworthiness and financial standing. The presence of these accounts on my credit report is unjustified and is hindering my ability to access credit and financial opportunities. 

I have provided extensive documentation to support my claims, including evidence of payments and communication with creditors. However, the credit reporting agencies have failed to take appropriate action to remove these collection accounts from my credit report in a timely manner. 

I request that you intervene in this matter to ensure that the credit reporting agencies fulfill their obligations under the Fair Credit Reporting Act ( FCRA ). This includes promptly removing any inaccurately reported collection accounts from my credit report and providing me with a corrected copy of my credit report. 

Furthermore, I request appropriate restitution for any damages suffered as a result of the credit reporting agencies ' failure to address this issue in a timely and satisfactory manner. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-05
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. (TX)

In accordance with the fair credit reporting act XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX has violated my rights. 15 USC 1681 Section 602 states that I have the right to privacy 15USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an 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 purpose
Consumer complaint received 2020-09-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NC)

I received a letter from Specialized Loan Servicing related to an order by Consumer Financial Protection Bureau requiring compensation for a delayed evaluation between the periods of XX/XX/XXXX and XX/XX/XXXX. They sent a check for {$70.00} as redress for the delay. I deposited the check in my account, and the check bounced. I was charged an additional {$12.00} for the check being returned unpaid. I am attaching all the documentation.
Consumer complaint received 2024-03-11
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)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX 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 2020-09-28
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. (OH)

XXXX XXXX XXXX  # XXXX Notice for Proof of Claim Account : XXXX XXXX XXXX  # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Consumer complaint received 2020-09-28
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: Recovery One, LLC (OH)

RECOVERY ONE LLC # XXXX Notice for Proof of Claim Account : RECOVERY ONE LLC # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Consumer complaint received 2023-01-05
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXXXXXX, has violated my rights. Account # XXXX XXXX, has violated my rights. Account # XXXXXXXX XXXX has violated my rights. Account # XXXX XXXX XXXX XXXX, has violated my rights. Account # XXXX XXXX XXXX XXXX  has violated my rights. Account # XXXX XXXX, has violated my rights. Account # XXXX XXXX XXXX XXXX XXXX  has violated my rights. Account # XXXX, has violated my rights. 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 an account without my written instructions.
Consumer complaint received 2020-09-28
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)

an individual with my same name, social security number different by one digit and a year of birth way off than mine ( which I've also tried to dispute & nothing had happened ) This person has opened accounts at XXXX XXXX with an unpaid balance of {$12.00} opened XX/XX/XXXX that has been charged off, I called XXXX XXXX on XX/XX/XXXX but no one to help me, i then filed a dispute with the credit bureaus, one said the account is accurate and the other 2 bureaus dispute are still pending. Please I need your help I am trying to re-finance my current mortgage loan and this is affecting me from getting a much lower interest rate than what I currently have, Please help me, thank you
Consumer complaint received 2023-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC (OH)

I have a collections on my credit report from Frontline XXXX for an unpaid balance of {$210.00}. The balance belongs to XXXX XXXX. My name is XXXX XXXX. On the invoice that was sent to me on my last cfpb complaint the invoice from XXXX stated that the billing address for XXXX XXXX is XXXX XXXX XXXX XXXX NY XXXX XXXX My address is XXXX XXXX XXXX XXXX XXXX Ohio XXXX. This debt does not belong to me please remove this collection from my credit report.
Consumer complaint received 2020-09-28
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. (FL)

an individual with my same name, social security number different by one digit and a year of birth way off than mine ( which I've also tried to dispute & nothing had happened ) This person has opened accounts at XXXX XXXX with an unpaid balance of {$12.00} opened XX/XX/XXXX that has been charged off, I called XXXX XXXX on XX/XX/XXXX but no one to help me, i then filed a dispute with the credit bureaus, one said the account is accurate and the other 2 bureaus dispute are still pending. Please I need your help I am trying  to re-finance my current mortgage loan and this is affecting me from getting a much lower interest rate than what I currently have, Please help me, thank you
Consumer complaint received 2020-06-19
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY (KY)

I allowed my husband to use my dillards charge to make a purchase when I was net to him online. Later that month I asked him for a list of the charges he made so I could reconcile against the statement. He went into his online account with Dillards and in the history of transactions, he was able to view all my purchases. Not just what he bought online but all my transactions that he had no right to see.
Consumer complaint received 2020-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (PA)

I'm trying to link my PNC checking ( spend ) account to my XXXX investing account so that funds are available to invest. When I try to link the account, I receive a message that PNC has made changes that prevents this type of activity and that I should file a complaint with CFPB. I also called PNC about this problem and they offered no solution. I tried to link these accounts multiple times on XX/XX/20 and XX/XX/20.
Consumer complaint received 2023-08-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: EdFinancial Services ()

Edfinancial was designated as my student loan servicer. They are unwilling or unable to process my income based repayment application. I applied on XX/XX/XXXX and no movement has occurred. 

They lost the application sent by FSA. They are unable to receive a copy of my application through their own website even though it was sent on XX/XX/XXXX. Their customer chat has been disabled by the company and the wait time to speak with an agent can be between 300 and 960 minutes even minutes after opening. 

If I am unable to get my IDR accepted, I will be forced to miss a payment that I can't afford to make.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

I have been trying to fix the problem with my consumer report with this company and I have been denied for many things regarding my credit. This is a defamation of my character. These are the following accounts below. 


XXXX XXXXXXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX  - Account # XXXX XXXX XXXX-Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Account # XXXX