davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-10-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Central Portfolio Control Inc. (AZ)

Former complaint for CFPB were, XXXX ; XXXX ; XXXX All of these accounts with the report credit bureau were closed as uncollectable as they could not produce ANY statements I owed this debt as collectable. I am a XXXX  veteran with benefits, I have XXXX with benefits, I also have private insurance coverage with NO deductible and not one of these entities were sent bills from XXXX XXXX XXXX, XXXX which closed their doors and business years ago. You had instructed them accordingly, I am still getting calls regarding this debt AFTER they have closed it out, this debt is STILL listed on my three credit reports as in collection last one from CENTRAL PORTFOLIO CONT., XXXX XXXX  XXXX XXXX, XXXX XXXX MN XXXX XXXX. I have repeatedly told them this is an uncollectable debt that was never billed to my insurance and they can NOT support their findings by sending me any statement to the fact and are BLIND calling me to collect a debt that CFPB said was closed and uncollectable.
Consumer complaint received 2020-08-10
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: EQUIFAX, INC. (AR)

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. US DEPT ED XXXX {$8800.00} US DEPT ED XXXX {$4100.00} XXXX  XXXX XXXX {$1100.00} XXXX XXXX {$530.00} XXXX XXXX XXXX  XXXX {$18000.00} XXXX  XXXX  XXXX {$220.00} XXXX   XXXX {$280.00} XXXX/XXXX  XXXX {$2000.00} XXXX XXXX {$510.00} XXXX/XXXX   XXXX {$700.00} XXXX-XXXX  XXXX {$490.00} XXXX  XXXX {$740.00} XXXX XXXX {$3500.00} XXXX XXXX XXXX {$3100.00}
Consumer complaint received 2020-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX   XXXX {$4900.00} XXXX  XXXX {$6700.00} XXXX XXXX XXXX  XXXX {$520.00} XXXX XXXXXXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$19000.00} XXXX XXXX {$4000.00} XXXX XXXX XXXX  XXXX {$1300.00} XXXX XXXX XXXX {$19000.00} XXXX   XXXX {$1700.00} XXXX XXXX {$2000.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$890.00} US DEPT ED XXXX {$2300.00} US DEPT ED XXXX {$4000.00} DPT EDXXXX XXXX {$4000.00} DPT EDXXXX XXXX {$2300.00} XXXX XXXX {$3600.00} XXXX   XXXX {$2800.00} XXXX XXXX {$2800.00} XXXX   XXXX {$3400.00} XXXX XXXX {$3500.00} XXXX   XXXX {$3900.00}
Consumer complaint received 2020-08-10
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. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX {$10000.00} XXXX XXXX {$100.00} {$21000.00} XXXX XXXXXXXX XXXX {$11000.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX {$1200.00}
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit hs dropped 80 points due to status " Affected By A Natural Disaster '' ; this is incorrect. The CARES Act should not drop my credit score. On XX/XX/2020 I contacted my lender XXXX XXXX XXXX ) at XXXX XXXX and spoke with XXXX who checked my status. She said there was no record of a status of " Affected By A Natural Disaster '' and suggested I contact and start a dispute with the credit agencies. By noon on XX/XX/2020 I started a dispute with XXXX which showed under " Status '' the incorrect information on my school loans " Affected By Natural Disaster. '' On XX/XX/2020 XXXX stated that my dispute was closed, the information had been updated per their inquiry to my lender and the status remained " Affected By Natural Disaster. '' I then uploaded a copy of an email from my lender stating that the company has been incorrectly identified as changing loan holders tatus, but they have not been the entity relaying this information to the credit agencies and the information they have states that all loans they hold have not been given a status change. By XX/XX/2020 XXXX said the reopening of my dispute was complete and again the status was not changed. On XX/XX/2020 I again contacted my lender and confirmed that there was no special status on their records. I then called XXXX  XX/XX/2020 and spoke with XXXX XXXX to clarify where XXXX was getting information from and to dispute the status. XXXX stated that XXXX   received their information from my lender and the only way to change the status was for her to send a direct email to the lender questioning the status. I asked her to proceed with this action. I feel as though I am being given the run around between the two entities. I also found Transunion is reporting the information on my report incorrectly. However, Transunion makes it incredibly difficult to get your free credit report, and when I went to start a dispute the page comes up with error readings with no further way to contact or send the appropriate information. I can't buy a house or refinance my student loans until this situation is resolved.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (NY)

Im Victim of identity theft from XXXX cards, I contacted the EXPERIAN, XXXX, XXXX bureaus and XXXX XXXX to get the information removed from my report, I have uploaded the copy of my SSN, a bank statement, copy of ID an FTC report in order for them to delete the items from my report but, once you talk to the fraud department they become rude when you mention dispute and want to treat me very disrespectfully, dont even let me speak to explain why Im calling, I uploaded them their documents 3 times and they never get it, lastly I sent them certified mail to them so they have no excuse. Ive called them 9 times back to back today, if my issue is not taken care of I will start a legal lawsuit as my family attorney is been suggested me to do.
Consumer complaint received 2020-08-10
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: EQUIFAX, INC. (AR)

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX {$10000.00} XXXX XXXX {$100.00} {$21000.00} XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX {$1200.00}
Consumer complaint received 2020-08-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

XXXX XXXX reporting error of a account over 8 years old removed this account and then after 7 years added it to my credit report. this account was in dispute for 10 months no updated status or response
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (MN)

I paid this account in full 5 years ago I have sent many disputes and many requests for a Goodwill correction but ENHANCED RECOVERY COMPANY LLC continuously refuses to correct the tradeline on my credit report it does reflect a XXXX balance but it is listed as a derogatory account it needs to be corrected to current closed as it has not been derogatory for three years right now and trying to close on a mortgage and it is seriously inhibiting my ability to finalize the loan. My closing date is XX/XX/XXXX and my underwriter with the USDA said this needs to be corrected as it is. Derogatory it should be listed as current closed. 
It is against the Fair Credit Reporting Act to keep harming somebody's ability to acquire new credit by listing is satisfied account as derogatory. 
This item needs to be deleted or corrected. 
I have the tempted many phone calls letters and disputes enhanced recovery collections is blatantly being vindictive despite the fact that this account was paid in full and has not been in collections for 5 years.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

These accounts below are fraudulent and needs to be removed immediately XXXX XXXX XXXX XXXX XXXX during XXXX XXXXXXXX had a data breach and unfortunately I was a part of it and my identity was stolen along with XXXX XXXX other people and due to that is now causing fraudulent accounts reporting on my credit report shown above that dose not belong on my report
Consumer complaint received 2020-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$57.00} XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX {$37000.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX {$540.00} USDOE/XXXX XXXX {$7000.00}
Consumer complaint received 2020-08-10
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$57.00} XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX {$37000.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX {$540.00} USDOE/XXXX XXXX {$7000.00}
Consumer complaint received 2021-06-01
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had made arrangements with two credit card companies during the Covid Pandemic in XX/XX/2020. However, the missed payments are coming up on all three credit bureaus. I have contacted the credit card companies and the credit bureaus. The dispute was " resolved '' but not in my favor. The payments are still on my credit reports. The credit cards companies are Capital One and XXXX XXXX.
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

XX/XX/2020 and several dates before this. Experian is not acknowledging my correct address at XXXX XXXX way where I have lived for 3 years as a home owner. The FICO score on my XXXX erroneously shows XXXX. The score should be around XXXX.
Consumer complaint received 2020-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America failed to reverse a transaction for which I did not receive services promised by merchant. 
XX/XX/2020 for {$32.00} is being disputed by me. 
Merchant changed the terms of the agreement without sufficient notice making it not possible to use their services. COVID related situation. Merchant is charging for services they are not delivering. 

Bank of America promised to help resolve this matter and failed. I am being punished financially due to COVID related issues and mandatory shutdowns. 

This is theft.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

I have noticed some unauthorized and fraudulent inquiries on my credit report. 

XXXX XXXX XXXX XX/XX/2022 The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Consumer complaint received 2020-08-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (FL)

XXXX XXXXXXXX University - XXXX, XXXX ; XXXX I was furloughed without pay in between XXXX and XX/XX/2020 due to COVID ( letter attached to support this claim ). During this time, I missed a couple of payments with UAS because I was very stressed about eLearning for my school-aged daughter, fighting with Florida 's unemployment system ( which is terrible and frustrating ) so that I could pay bills and have food on the table, and a death in the family. UAS does not offer any sort of " Your Payment is Due Soon '' or " You Missed a Payment '' messaging. They only send emails stating, " You Have a New Document Available. '' Every single other creditor sends me a message about payments coming due. This helped me manage all of the other bills and I was not late once on any others. Due to the stress and financial implications of COVID, I feel that all creditors should give some grace. The federal loans got this right. But, the holders of Perkins Loans feel that they must penalize Americans during these uncertain times. With their reporting of this late payment, this dropped my credit score 75 points. In addition, they charged hefty late fees. I paid all of it up to date on XXXX and a few days later was I was rewarded for this with a 60-day late payment mark with the credit bureaus. I have not been late with any creditors for over 2 years and I was trying so hard, but then COVID came. I feel like all creditors need to have some grace. UAS feels that they can be predatory because the federal government hasn't mandated that they give borrowers some grace.
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AmeriHome Mortgage Company, LLC (OR)

Amerihome mortgage states were not current from XX/XX/XXXX to XX/XX/XXXX. When we in fact caught we were making our mortgage payment plus extra to catch it up, caught it up completely in XXXX. They never reported any of that or comment that we were working on it. Then they sold our account to XXXX  and they havent reported that they even have the account or that we've been making out payments and are current.
Consumer complaint received 2020-08-10
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC. (MD)

This is the second complaint filed with CFPB against Ally Financial for call harassment. Ally Financial still calls to harass me by placing the calls to my phone numbers constantly since the year of XXXX. These calls are meant for another person with whom I have no association. These calls are for debt collection for automobile loan that I have no association with Ally Financial. On or around XX/XX/XXXX in the nighttime, Ally Financial damaged my phone device by awakening me from sound sleep to its call. I stumbled as reaching for my phone device thinking it was an urgent call and it fell off the table and hit the floor broken. My phone device is a special equipment for the deaf that takes or makes TTY calls. I was without this phone device for three weeks which was agonizing me. 
On many occasions during call harassments, I notified Ally Financial of the wrong numbers and call harassments must be stopped by speaking the representatives, sending certified mail, and entering the information on Ally Financials automated system. Most recently, on XX/XX/XXXX I spoke with a representative of Ally Financial at XXXX and her name is XXXX. I informed her of the wrong numbers and requested that calls be stopped. Unfortunately, Ally Financial never cease calling to my phone numbers afterward. 


Ally Financial places multiple calls from different numbers which makes it difficult for me to block the calls each month. Ally Financial manages to reach my phone numbers by using many different numbers as following : ( XXXX ) XXXX, ( XXXX ) XXXX ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX and ( XXXX ) XXXX These calls made by Ally Financial to my phone numbers are ongoing call harassment as far back as the beginning XXXX. The calls come in 4 or 5 times per day. Even three calls within 1 minutes. Most of the calls were either prerecorded messages or robocalls. In addition, I receive multiple voicemails left to my phone numbers from Ally Financial. 
The voicemails would often state : This is Ally Financial XXXX Inc. calling for XXXX (? ) XXXX. Please call us at XXXX as soon as possible. Again, our numbers are XXXX XXXX OR Message for XXXX (? ) XXXX my name is XXXX calling from the office Of Ally. It is important for you to call back today at XXXX. We are Open from Mondays to Sundays XXXX XXXX to XXXX XXXX Eastern Standard Time. 

My efforts of stopping the call harassment were of no avail now that It has been over 5 years, Ally Financial viciously calls to harass me knowing that they got the wrong numbers.
Consumer complaint received 2020-08-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (TX)

I was charged {$200.00} due to a promotional balance expiring while I was in a financial hardship due to Covid-19. I was under the impression that though interest would accrue on regular purchases, promotional periods should have been extended during this unqiue and tough time for customers. 

On XX/XX/2020, I sent a message requesting Covid-19 assistance and to inquire about the extension of the promotional period for a promo balance that expired XXXX and had a balance left of {$93.00}. Despite my hardship during this pandemic I managed to make a payment of {$94.00} by XX/XX/XXXX and was advised XX/XX/2020 that if I had a deferred interest promo expiring while I was receiving Covid-19 assistance the promotional term would extend by 2 months. With most creditors there is often a 30-day grace period given after a promotional balance expires to allow the customer to get it paid off within one month and avoid the bulk interest, which I inquired about as well. 

After SEVERAL weeks that has now turned into now 5 months of trying to correspond with them we have not come to a resolution. I keep getting generic form messages that don't address the questions I've asked, or the answers do not acknowledge the fact that I DID pay off the balance within 30 days of the promotion expiring WHILE " supposedly '' being approved for 2 months of Covid-19 assistance AND may have been charged interest ON interest because it's unclear if the interest I've been charged since is based solely on the purchases I made in XXXX or on the total balance due, of which {$200.00} of that is interest from the promotional balance.