davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-30
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)

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/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX CXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 2024-04-11
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (CA)

I was not made aware by XXXX XXXX that I had an outstanding balance and was contacted to my brand new phone number by Southwest Credit Agency. I was told I had an outstanding debt and the credentials collection representative XXXX XXXX stated that XXXX XXXX also known as XXXX XXXX gave them my phone number. I spoke with a supervisor named XXXX XXXX who also claimed that XXXX cable gave them my phone number. I verified with XXXX and they said they didnt have my two new numbers. XXXX  also never sent out notices of a debt collection and never knew my debt had gone to collections. Id like to file a complaint against XXXX for failing to inform me of a debt.
Consumer complaint received 2022-12-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

On XX/XX/XXXX. I submited disputes to the credit bureaus and I have not recieved any correspondence to this matter. Under the FCRA, they are supposed to investigate and notify me within 30 days. That has not been done.
Consumer complaint received 2021-12-30
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)

On or about XX/XX/2021, Me and my fiance ' provided a background screening report to XXXX to be considered for a rental apartment home. On XX/XX/2021, I was denied by XXXX due to a past " Delinquent account ( s ), '' -- in which one of the delinquent accounts being XXXX XXXX XXXX XXXXrroneous " 30 days late '' reporting to my credit report. 

Per my prior CFPB prior XXXX XXXX complaint # XXXX, XXXX XXXX resolved this 30 days late dispute in my favor and agreed to send a request to the appropriate credit reporting agencies to update my credit report reflecting the 30 day late/delinquency error.
Consumer complaint received 2021-12-30
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. (FL)

On or about XX/XX/2021, Me and my fiance ' provided a background screening report to XXXX to be considered for a rental apartment home. On XX/XX/2021, I was denied by XXXX due to a past " Delinquent account ( s ), '' -- in which one of the delinquent accounts being XXXX XXXX XXXX erroneous " 30 days late '' reporting to my credit report. 

Per my prior CFPB prior XXXX XXXX complaint # XXXX, XXXX XXXX resolved this 30 days late dispute in my favor and agreed to send a request to the appropriate credit reporting agencies to update my credit report reflecting the 30 day late/delinquency error.
Consumer complaint received 2021-12-30
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. (GA)

I have been disputing certain accounts on all three reporting agencies for over a year now and the same accounts disputed, will return as " verified '' even after submitting factual letters of the incorrect information reported across the reporting agencies. The most recent letter sent in the beginning of XX/XX/2021, all reporting agencies did not respond with the 30 day grace period. I have sent a second round of letters requesting removal due to their failure to respond, and instead I received a letter stating that the information was " verified ''. However, the information that is reported on my credit report, is far from accurate. There are too many inconsistencies on my report from all reporting agencies. At this point, I am very unhappy that my rights are not being taken seriously and my next course of action will be to sue each reporting agency per violation.
Consumer complaint received 2024-04-12
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (OH)

Customer Service does not recognize my credit card number However this Sunoco XXXX Credit Card is recognized by gasoline pumps and inside gas stations to pay for coffee or gas. They have offered me discounted gasoline but the app to obtain the discounted gasoline does not recognize my credit card number. Customer service is unable to find my account with my social security number
Consumer complaint received 2023-01-14
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: Experian Information Solutions Inc. (GA)

I HAVE SUBMITTED CERTIFIED MAIL TO THE CREDITORS ASKING THEM TO REMOVE UNAUTHORIZED INQUIRIES DUE TO ID THEFT I EVEN SUBMITTED A POLICE REPORT TO NO AVAIL
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been disputing certain accounts on all three reporting agencies for over a year now and the same accounts disputed, will return as " verified '' even after submitting factual letters of the incorrect information reported across the reporting agencies. The most recent letter sent in the beginning of XX/XX/2021, all reporting agencies did not respond with the 30 day grace period. I have sent a second round of letters requesting removal due to their failure to respond, and instead I received a letter stating that the information was " verified ''. However, the information that is reported on my credit report, is far from accurate. There are too many inconsistencies on my report from all reporting agencies. At this point, I am very unhappy that my rights are not being taken seriously and my next course of action will be to sue each reporting agency per violation.
Consumer complaint received 2016-12-24
Product: Credit card — 
Issue: Billing statement — 
Company: BARCLAYS BANK DELAWARE (NY)

At the beginning of this year I pulled my credit report and I saw a closed credit account from Barclays Bank. But in my knowledge I never applied for any credit card from this bank. I never received a collection call. When I called their customer service they have advised me to make a payment of XXXX dollar for the settlement of the account as I told them this is not my account and I have never received any statements. Then the representative took my email addres, my home address and my phone number and processed a payment through my debit card. After that the representatives emailed me a bunch of card statements and a notice. But still to date that account shows on my credit report and is adversely affecting my credit score. I tried to talk to their collection agency several times but they never responded and advised me we are looking into the matter and months passed by but they never responded or gave me any advise what they are doing with this account which was not authorized by me.
Consumer complaint received 2021-12-30
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: Experian Information Solutions Inc. (FL)

I DID NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. BLOCK AND REMOVE THEM 1. XXXX XXXX XXXX 2 ( AUTO ) XXXX XXXX, 2021 ( XXXX ) 2. XXXX XXXXXXXX XXXX XXXX ( FINANCE ) XXXX XXXX, 2021 ( XXXX ) 3. XXXX XXXX  XXXX XXXX, 2021 ( XXXX ) 4. JXXXX XXXX XXXX  XXXX XXXX, 2021 ( XXXX ) 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, 2021 ( XXXX ) 6. XXXX XXXX XXXX XXXX XXXX XXXX, 2021 ( XXXX ) 7. XXXX XXXX XXXX XXXX XXXX, 2021 ( XXXX XXXX 8. XXXX XXXX XXXX XXXX, 2021 ( EXPERIAN ) 9. XXXX XXXX XXXX XXXX XXXX XXXX, 2021 ( EXPERIAN )
Consumer complaint received 2019-12-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (UT)

Experian sent a letter declining to investigate an inaccurate account on my credit report. Collection center has received a valid FTC report dated XX/XX/2019. Experian is violating the law by refusing to be NONCOMPLIANCE. Here is a copy of the response they sent to me by mail. Also a copy of the FTC report filed.
Consumer complaint received 2021-12-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I have sent Portfolio Recovery Associates LLC three certified letters ( XX/XX/XXXX and XXXX, XX/XX/XXXX, all in 2021 ) to request them to validate these debts as they belong to my father who died in XX/XX/2021. I have requested an investigation of these accounts and of any proof that these accountsare mine but they have either send inadequate information or ignored my letters.
Consumer complaint received 2021-12-30
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: DISCOVER BANK (IL)

Discover is reporting inaccurate information to XXXX XXXX XXXX regarding an identity theft account that does not belong to me. I have sent all documentation validating that the account is not mines and they have refused to stop reporting inaccurate information. This is a violation of the FCRA laws and I will be force to sue if they do not stop reporting inaccurate information.
Consumer complaint received 2024-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: DIGITAL FEDERAL CREDIT UNION (MA)

DCU does not provide customer support for people that are trying to reach their debt collection department. I have tried to call them on XXXX different days after I found that my debit card was not working. It is absurd to me that I dont have access to my money and there is nobody I can speak with to have an issue with my account resolved. They should be held accountable for not providing customer service while people are trying to manage their money. XXXX business days and I have had no success in reaching the collections department by telephone. They failed to respond to my emails. I believe DCU is lending in bad faith.
Consumer complaint received 2024-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Williams & Fudge, Inc (GA)

There was a balance that was sent to collections by XXXX XXXX XXXX XXXX XXXX The collection company is Williams and Fudge. Neither XXXX XXXX XXXX XXXX or Williams and Fudge made me aware of debut until I requested my daughters transcript. XXXX knew that my daughter was approved for a medical withdrawal, and still allowed a balance to be sent to collections. On top of that, the amounts never matched, and what I recently paid was still higher than what it should have been. There was a {$100.00} summer 2024 fee on her account, and that is impossible because she withdrew before summer. The guys at Williams and Fudge was rude, did not care to listen and demanded I pay because thats what the school had sent, which was wrong. Feeling pressed because I needed my daughters transcript, although it shows all " withdrawal '', I went ahead and paid Williams and Fudge the entire balance of {$4000.00}. They refused to settle even though the principal balance was {$3200.00}. They said the balance of {$4000.00} was due to delinquent fees, but they could never provide proof that we were notified. Also, how is something sent to collections when at the time, my daughter was still enrolled. I am requesting a refund of {$800.00} which is the additional penalties that I paid including a {$100.00} summer fee that's erroneous because my daughter was no longer a XXXX  by that time.
Consumer complaint received 2022-12-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (VA)

I contacted Comenity Bank to schedule XXXX monthly payments of {$200.00} to pay off my XXXX credit card. The Comenity Bank agent only scheduled XXXX payments and I was charged a {$30.00} late fee for their mistake. This was a recorded customer service call and Comenity Bank refuses to remove the late fee for the mistake their agent made. The minimum payment due was only {$22.00} and the scheduled payment was supposed to be for {$200.00}. I have tried to contact Comenity Bank to correct their mistake and their agents are unwilling to listen or assist.
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Around XX/XX/2021 I applied for a XXXX Credit Card. My credit score through XXXX is around a XXXX, I was denied and on XX/XX/2021 I received a letter from XXXXXXXX XXXX stating the information they received from Transunion is the reason for the denial. I went to Transunion Website and put in my user name and password and it wouldnt let me in at first. I was then able to get in to the website but after putting in all the correct information I was denied access to view my credit report. I called the number and spoke to a supervisor named XXXX who informed me that there were XXXX credit reports and they needed to fix that first before I could view mine. I argued that if a credit card company was able to view it and I was denied credit due to what was on the report I should be able to view it as they were.I was told that wouldnt be possible and I should call back in 5 business days. I want to know how there is 2 credit reports { I was told it happened when someone was reporting about me and whoever was inputting the information had made an error } That makes no sense! I have a right to my credit report and I want to view it since I was denied a credit card because of it. I then tried to obtain it through XXXX and was denied on that website as well.
Consumer complaint received 2021-12-30
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. (FL)

of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account is reporting inaccurately. I have NOT been provided with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-18
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. (GA)

In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX {$2400.00} has violated my rights USC 15USC 1681 sec 602 states i have the rights to privacy USC 1681 sec 604 states 2 states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2021-12-30
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)

of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account is reporting inaccurately. I have NOT been provided with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-30
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: EQUIFAX, INC. (MN)

I have 6 loans that are 10 to 12 years old? Is that fair when I know for a fact they should be gone and Im always told it will be gone in 7 years? Here are the pictures of how long these companies will hold on student loans against someone. It isnt fair it isnt right. I have tried every way to get these removed and they are still here? Why? Why! Why? 10 to 12 year old student loans. Im tired of being mistreated wrong. Im tired of having bad credit due to overly old situations. This isnt fair this isnt right 6 loans thats been on my report for over 10 years.
Consumer complaint received 2021-12-30
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. (PA)

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 Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX & XXXX ( Original Creditor : XXXX ) XXXX XXXX - XXXX XXXX
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-12-30
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. (CA)

Under 15 US. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft Under 15 US Code 1681a ( 2 ) ( b ) Exclusions from a consumer report this account is in violation any credit transaction supposed to be excluded from a consumer credit report, if a social security card was used in this transaction.
Consumer complaint received 2019-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Angel Oak Mortgage Solutions LLC (FL)

I arranged a mortgage loan funded thru Angel Oak Mortgage Solutions LLC., which closed XX/XX/2018. A flood insurance policy was required to close. I obtained an agent for that and Angel Oak 'Net funded ' the loan so that they were to pay the premium due of {$550.00}. 

Angel Aok did NOT fund the policy ; quickly sold or transfered the loan and the subsequent company made me pay for the insurance a second time. 

The borker who aranged the loan ( XXXX XXXX ) at XXXX XXXX XXXX tried to help me to get them to fix this but after talking to numerous people, some of whose names are on the forms being uploaded, i have still not received back the XXXX. 

Angel Aok apparently kept my money. Simple as that. Now they won't give it back after numerous poilte efforts to obtain that. 

I am attaching a sheet showing the Net Funding ; the Closing Disclosure and a letter demanding the payment from the company Angel Oak tranfsered/sold the loan to.