davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-20
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. (NM)

Time and time again, I have sent written complaints to Experian only to receive a " we didn't get information about " what '' you're complaining about. 

I have several items on my account that are far past the statute of limitations for California AND New Mexico. 

1. XXXX XXXX XXXXXXXX Mortgage account. Statute is four ( 4 ) years. This account ended in XXXX. Experian refuses to remove. 

2. XXXX XXXX XXXX loan. Statute is four ( 4 ) years. This account ended in XXXX. Experian refuses to remove. 

3. XXXX XXXX credit card. Statue is four ( 4 ) years. This account ended in XXXX. XXXX XXXX demanded payment to remove account. Instead, Experian and XXXX XXXX colluded to reset date and refuse to remove. 

Experian will most likely respond by saying I have not provided information, yet I have records of letters sent from XXXX to present, with signatures of receipt. 

Experian routinely drops my score by over 20 points every time I pay my accounts off monthly. They now list me as " fair '' when all other reporting agencies show me as " very good ''. They rarely inch my score up by XXXX or XXXX points while routinely dropping my score by double digits, followed by a " join our Boost Program '' email, which is a false method of raising your credit score. 

Experian MUST resolve these discrepancies on my account immediately by removing these statute passing accounts and stop colluding with XXXX XXXX.
Consumer complaint received 2022-12-28
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. (CA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

When I pull my credit report my name is always spelled incorrectly. In the past I was a victim to identity fraud. My name is XXXX XXXX. When I get credit reports back from each bureau they spell my name XXXX XXXX.
Consumer complaint received 2022-12-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (FL)

XXXXXXXX XXXX XXXX XXXXXXXX was initially paid by my insurance company. 

On XX/XX/ I negotiated the remaining payment with XXXX from XXXX for a final " PAYMENT IN FULL '' on my account for {$360.00}. 

I have no debt with XXXX XXXXXXXX XXXX XXXX yet they keep harassing me and sending me to collections for a fraudulent debt as I do not owe them anything. 

Capio Partners is now harassing me via phone and mail with a fraudulent bill of {$150.00} which I DO NOT OWE. 

I have attached the cashed check which clearly states " FOR FINAL PAYMENT ON ACCOUNT # XXXX XXXX.
Consumer complaint received 2022-02-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc. (SC)

My car was repossessed back in XXXX. I had to pay {$2100.00} to get it back. I was told that some of the past due would be put at the end of the loan. Its still showing {$1200.00} past due. CarMax didnt keep the promise that was made to me.
Consumer complaint received 2018-10-03
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: City Enterprises, LLC (TN)

XXXX XXXX is reporting on my credit report twice with two different prices as if I have two vehicles and I only had one car with XXXX. Can you please remove them from my credit file so that my credit can be accurate and my score will increase please. I appreciate you guys dearly. XXXX of the prices is showing {$11000.00} and some odd change and the other is showing {$12000.00} and some odd change on them.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (WI)

I tried to open an account and they told me I had one open with them I told them that was fraud, and they need to close it until no vale they sent it to XXXX XXXX. the date was 2015 and the amount was {$500.00}
Consumer complaint received 2022-12-27
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-22
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. (IL)

I AM A PROVEN VICTIM OF IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX 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 : states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the. following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2023-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2021-09-06
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. (CO)

Since XX/XX/2021 I have been disputing with XXXX XXXX XXXX and they have not opened an investigation on this account at all. Equifax is in clear violation of my consumer rights and not honoring the FCRA rules regarding timely investigation. Attached is proof of my disputes that have been sent to Equifax since XX/XX/2021. At this time I am requesting complete removal due to passing timeframe of investigation results.
Consumer complaint received 2020-03-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: AA Recovery Solutions, Inc. (AL)

I took out the loan in XXXX with XXXX to help take care of some bills. I was making payments on time, but realized that the payment amounts were getting higher and higher monthly, to the point that nearly half of my check was being used to pay the bill casing me to fall further behind and deeper in debt. I tried to make arrangements to pay half here and there to get caught up, but my efforts were found to be futile. I was advised off the record by a XXXX employee to stop payments, and close acct. They would then reach out to me in attempt to possibly make an arrangement that was fair. I was contacted, but was unable to reach a payment plan that was fair or reasonable with my salary. About six months ago, I was contacted by a company by the name of AA recovery services. I attempted to get a little background information on them by asking questions, but was meant with rude replies and threats of having my wages garnished. I was told that they could set up arrangements for {$1200.00} a month until amount was paid in full. The initial amount of the loan was {$2500.00}. Even after making several payments initially, that amount has ballooned to approx. {$3900.00}. Today, XX/XX/XXXX. I received a phone call at my job from AA Recovery Services informing me that I need to be at my address on Monday XX/XX/XXXX, to sign for legal documents. I have never received anything in writing regarding any legal matters via mail from said company!
Consumer complaint received 2022-02-20
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. (NY)

I would like to state that XXXX is in violation of 15 USC 1681b ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumers. I the consumer never gave XXXX any written consent to report anything on my consumer report. No consent is identity theft. I have enclosed a Identity Theft report which states that account ending in XXXX are being illegally furnish on my consumer report. I demand that you remove these inaccuracies off my consumer report. If they are not removed I will not extend my credit to anyone or allow XXXX to furnish a report for me. I would like to state that pursuant to 15 usc 1681 ( a ) ( 2 ) that the banking system is dependent upon fair and accurate consumer reports. By XXXX allowing these inaccuracies to be furnish on my consumer report it has cause me to lose confidence in the banking system. If XXXX wants to continue doing business with me, they should delete these inaccurate account off my consumer report.
Consumer complaint received 2023-11-30
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. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Account : XXXXXXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-01-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (UT)

I had my student loans through Navient and they continuously, over the course of several years, kept offering me forbearance via email whenever I went delinquent. They did not attempt to give me other options. It was not until I started working for a XXXX XXXX XXXX myself that I learned what my options were and acted accordingly. I have transferred my loans to another servicer and am now on an IDR plan so I can make payments I can afford.
Consumer complaint received 2022-02-21
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 XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 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. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXXXXXX
Consumer complaint received 2023-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

According to the FCRA, it is Experian job to ensure that the information on my credit report is accurate, verifiable, and reporting timely and if not, IT MUST BE REMOVED! The past investigation requests Ive sent they regarding the inaccurate information as accurate which it is NOT. This account does not belong on my credit profile. My credit reputation is on the line due to their constant neglect for my credit and the FCRA.I am looking at my credit report right now and the accounts that I previously disputed with Experian is STILL inaccurate and apparently can not be verified within accordance of the law, yet youre stating that it is true, which I know that isnt true.

I had asked Experian two months ago for the following they could NOT provide : How did you investigate this account?

Who did you speak with?

What date and time was this investigation Experian could not provide any information.

I will be left no choice but to file complaints with the Attorney General, Federal Trade Commission if this not deleted and removed from my credit profile.
Consumer complaint received 2020-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: GreenSky, LLC (FL)

I was approached by a Home Depot representative in Home Depot.He offered me a special on AC cleaning for {$19.00}. My AC is 20 years old and I had to give up my AC service because of financial reasons so I accepted. The AC man came to clean the AC unit which I knew was in bad shape, he offered me a deal with NO INTEREST.Know I needed to replace the unit I accepted an appointment from a XXXX XXXX XXXX company who was working in conjunction with Home Depot. The unit was installed and inspected ... On XX/XX/XXXX I recieved a statement from GreenSky financing company who is the company XXXX XXXX had set up the financing with. There was a {$43.00} interest payment. I called XXXX and they said yes it was interest free but that was an " agragate '' payment which would be 1 % of the balance each month. That is more than interest would have been. When the salesmen was here and we were discussing the units, size and cost I made it clear I could not afford more than {$150.00} a month this added " agragate '' makes it almost 200.. I am XXXX on fixed income, my daughter had a XXXX XXXX with no insurance at the same time the economy tanked so I have no resources. This is a scam set up between Home Depot, XXXX  XXXX and Green Sky. I told them to fix the contract or come and get their equipment. I have not heard from any one so far. I would appreciate any help you can give me with this problem
Consumer complaint received 2020-01-06
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 DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2020-03-05
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. (OH)

I am filing a complaint regarding unknown inquires on my file. I have never applied for any account for business with the following companies : XXXX XXXX   X2, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX/XXXX  XXXX XXXX  ; I do not have any of these financial products and I do not wish to have an account with these companies please delete them they are errors and I never signed any documents.
Consumer complaint received 2022-02-21
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. (OH)

I received an email from my university XXXX  on Tuesday, XX/XX/2021 at XXXX PM notifying me about a student loan disbursement and that I could cancel it " no later than 14 days from the date of this email ''. I emailed my university bursar on Friday, XX/XX/2021 at XXXX PM requesting that the loan be canceled. The university XXXX  notified me that the loan was canceled. I have contacted XXXX XXXX XXXX XXXX on XXXX different occasions via phone and have submitted XXXX disputes via Transunion. The issue still has not been resolved after 9 months.
Consumer complaint received 2023-05-24
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: Experian Information Solutions Inc. (MI)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with written authorization or remove these items from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2020-03-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I contacted XXXX XXXX to settle a debt with Capital One and came to a payment agreement to have it removed from my credit report and it still appears on my report. 

This unfair business practice that this debt collector has accepted a payment to settle the account but continues to tarnish my credit then why would I make a payment just to have the derogatory mark still reflect on my credit report.
Consumer complaint received 2023-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (ID)

On XX/XX/XXXX I received a letter from my mortgage company, Select Portfolio Servicing stating they're adding PMI to my loan that I've had since XXXX XXXX. I've never had to pay PMI. 
First they add flood insurance to my loan despite a FEMA certificate showing I'm not in a flood plane and it took me more than a year of fight with Select Portfolio Servicing to remove it. Now they're adding PMI to my mortgage and my home has doubled in value. 
Select Portfolio Servicing based in XXXX XXXX XXXX, Utah, ( XXXX XXXX, UT ) XXXX ) are criminals in the mortgage business and will continue to add insurance or any fee they can from their partner companies to steal from consumers. 
They're refusing to remove the PMI which is causing a financial burden and is against the law.
Consumer complaint received 2023-02-12
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: DISCOVER BANK (CA)

The company continues to deny that they had accepted payments > 30 and > 60 days, without credit reporting, due to that having been their policy until XXXX. The company accepted payments > 30 days past due for years. From my recollection, the reason that the company accepted payments > 30 days without reporting to credit, was because it was too difficult to track when there was repayment assistance in place. Subsequently, I was reported, out of the blue, XXXX XXXX XXXX days and XXXX XXXX XXXX in 2021, without notice. I spoke to multiple company representatives and the executive offices, and was verbally advised that Discover arbitrarily change their reporting policies. Being that this is a credit reporting issue, and more importantly, illegal, I would really appreciate the CFPB 's assistance in getting these items removed from my and my co-signer 's credit report. My credit report reflects responsible payment history, with exception to this issue. I also see this as a way for the company to continue to hold my student loans at their high rate, due to impacting my credit and hence, affecting my ability to refinance them.