davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (CO)

I signed a stipulation with the county court for an eviction. I had to be out by XX/XX/2020 as a stipulation. The eviction was NOT for non-payment. My lease was signed until XX/XX/2020. I signed the stipulation unaware that without prejudice meant they can sue me for money owed until the end of my lease term. I thought it was suppose to cease further actions if I signed. That was not the case. I found out after reviewing my credit report that National Credit System Inc. Reported I owed XXXX XXXX XXXX XXXX XXXX , the apartment ( student housing ) I accepted the stipulation for, {$5200.00}. This balance is for rent up until XX/XX/2020, when my lease was suppose to end. I left XX/XX/2020. My room was rerented sometime in XXXX, according to my old roommate who still resides in one of the rooms and I called the XXXX and they did say it was rented. I contacted the collection agency, National Credit Systems Inc to dispute the accuracy but I am not sure what they did or what they are going to do about my complaint. I was told by Colorado Housing Authority that they can only charge me for the time the unit was vacant and once it was rented the balance I owe should reflect that. They are double dipping and it is illegal. I want the whole debt deleted from my credit report and the debt dismissed due to these issues.
Consumer complaint received 2020-08-06
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account.
Consumer complaint received 2020-08-06
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 — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I have a loan with USAA SAVINGS BANK and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX  and USAA SAVINGS BANK and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am unsure of who to or how to address this complaint. I disputed accounts with the credit bureaus. It's been over a month. Nothing back has been received. 

Can you get the credit bureaus to do some work? Several of these accounts are 7 years old and some aren't even mine. Why are they on my report and why aren't the credit bureaus fixing it?
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. (NC)

DEPT OF ED XXXX XXXX Company is unresponsive. This isn't my debt as I have never taken out a student loan. This seems to be an error or fraud. I have made several attempts to contact the credit bureau but they all insist I file a complaint directly with the company. This is inaccurate information and needs to be resolved immediately as It is affecting my credibility
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sierra Credit Corp (CA)

I bought a used XXXX XXXXXXXX car thru Sierra credit Corp. My cousin a XXXX for 30yrs looked at the.car for me. It wasn't running right. He told me it had internal engine problems. It was not worth the repairs. I called Sierra credit n told them the information. I then had been paying for the car a year. I asked them to come get the car I didn't want it anymore. I owed about {$3500.00} for the car. Sierra credit was there the next day n took back the car. They then sold it again. I've been getting charged for the car ever since. They sold the car for XXXX XXXX or more. They still wanted all that money from me. I didn't owe them nearly the amount they were charging. I called them to stop the charges. I couldn't work it out with them. I have been disputing it ever since. XXXX XXXX XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (MO)

Per the fcra as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given u written unwritten verbal and non verbal per 15 USC 6802.

Upload to cfpb have u tried to remove : yes For inquiries use 15 USC 1681 permissible purposes : 16 cfr 313 privacy of consumer information.
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-08-06
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: Experian Information Solutions Inc. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX. INQUIRIES : XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX  | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX | XX/XX/XXXX.
Consumer complaint received 2020-08-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SECURITY FINANCE CORP (TX)

On XX/XX/2020, I contacted the loan company and agreed to pay the loan that I had. The company had already charged off the account as a bad account. We agreed that I would settle the account for less than was owed since they had already gotten paid because of the charge off. I paid {$450.00}, half of what the debt was. This account still shows as derogatory on my credit reports. I have recently disputed this account and the status still have not been corrected.
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (TX)

As of XX/XX/2020 my student loan balance increased in error in the amount of {$1200.00}. My loans are currently in a forbearance status due to COVID-19. I contacted Fedloan Servicing and stated they did not see an increase. My credit score dropped 51 points due to this error. I was in the process of trying to apply for a mortgage and unfortunately will be unable to until this issue is resolved.
Consumer complaint received 2020-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2020 there were two unauthorized charges on my Bank of America account. One charge was for {$57.00} from XXXX, a company that doesn't even service my area, and the other was from XXXX for a restaurant named XXXX, where I've never eaten in my life, for {$36.00}. I called the company within a couple of days, and by XX/XX/XXXX, there was a credit on my account for these two charges and a fraud investigation had been started. My card was canceled and a new card was sent out to me. On XX/XX/2020 the credits were reversed. The company sent me a letter telling me that the orders from these services came from my device and that they match my previous account activity. I've never ordered from XXXX in my life, and XXXX doesn't service my area, so how could that be? I also have proof from my order history on XXXX to show that this order never took place on my account. I called the company again and they said that my claim was denied, and that they would resubmit it with this new information ( the information I provided earlier regarding the services ) and that there would be a resolution within 45 days. They have not been responsive or helpful at all, and I've even canceled the card ( they didn't try to retain me as a customer, since I'm clearly not valuable to them ) due to them saying that I would have to pay the minimum balance, which is the fraud charges since I pay my card off in full each month, until they are able to determine whether these charges were truly fraudulent or not. That's ridiculous. I eat XXXX and all of my order history reflects XXXX  restaurants. XXXX is not XXXX. I don't pay interest due to religious reasons, hence my card is paid in full each month, but they would make me pay interest by having me make the minimum payment until they can figure out whether this was fraud or not. The right thing to do here would have been to issue a credit again so I wouldn't have to cancel my card and be stressed about this situation that came about due to no fault of my own. I am still in possession of the card that was used, so I was not negligent in any way. Somehow these criminals got a hold of my card, and I don't want to finance their food or lifestyle. Bank of America needs to make this right. They have a {$0.00} liability guarantee which should be applied in this scenario.
Consumer complaint received 2020-08-06
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shellpoint Partners, LLC (CA)

This is a fraud report. Shellpoint took escrow money since the beginning of my loan for property taxes and never paid them. I had to pay the property taxes myself including the late fee, {$3700.00}, and Shellpoint as of today still did NOT reimburse me. 
In other words, I double paid : Shellpoint withdrawing the money in error ( Shellpoint is liable for this mistake ) and me paying it to the County.
Consumer complaint received 2022-11-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IL)

My PayPal account has been permanently banned. After the funds in the account have been retained for 180 days, I received a withdrawal email notification from PayPal, but I was unable to add a bank account for withdrawal. I also contacted PayPal customer service many times, but the problem has not been resolved.
Consumer complaint received 2020-08-06
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-12-30
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. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2020-08-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Transunion has not Removed the Negative Information below after initiating a Dispute ... 

I have Attached Documentation which is a Letter of Deletion from the Data Furnisher and Debt Collection Company XXXX XXXX XXXX Regarding the Derogatory Account # XXXX ..
Consumer complaint received 2020-08-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been trying to resolve an account with the company XXXX, XXXX. The account number with XXXX  is : XXXX. I have written a letter in XXXX of 2020 to this company regarding rectifying this account and I have not received a response. I have also sent letters in XXXX, 2020 asking for verification and method of verification for this account. THIS COMPANY DOES NOT RESPOND TO MY LETTERS. 

I have also disputed this account with Transunion and XXXX  both online and written letters. This account was disputed in XXXX of 2020, and nothing has been done to rectify this. The account number for XXXX on my credit report is : XXXX. This account with XXXX has been removed from my XXXX  report. This account is inaccurate and falsely reporting because it is not a validated account according to the FCRA and has already been removed from my XXXX  report because of this reason. I am requesting that the item be deleted to correct this information. Please do a full investigation of this item and delete disputed item as soon as possible.
Consumer complaint received 2020-08-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (AR)

i have been sending electronic checks to my mortgage company for a year. The checks were processed ( according to my bank ). The checks i sent weren't enough to cover my mortgage because my mortgage payment increased almost doubled because of the home insurance. i had no idea. so, they told me that they mailed the checks back to me. i havent received any of the checks the amount is around {$10000.00}. I am trying to get to verify that those checks sent back to me havent been cashed and apply that amount to my account. XX/XX/20 i called and they told me that on XX/XX/20, it would go back on my account and i could pay the difference to get my home out of foreclosure status. today i called and they said they i would have to pay the full amount first and then they would work on the uncashed checks. ive called them about 11 times and have gotten 11 different answers on what to do.
Consumer complaint received 2020-08-06
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: Experian Information Solutions Inc. (CA)

I am unsure of who to or how to address this complaint. I disputed accounts with the credit bureaus. It's been over a month. Nothing back has been received. 

Can you get the credit bureaus to do some work? Several of these accounts are XXXX XXXX XXXX and some aren't even mine. Why are they on my report and why aren't the credit bureaus fixing it?
Consumer complaint received 2020-08-06
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: JPMORGAN CHASE & CO. (PA)

XXXX XXXX failure to MOV. Failure to comply with FCRA 611 ( a ) ( 7 ) within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful non-compliance.
Consumer complaint received 2020-08-06
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: Experian Information Solutions Inc. (CA)

Hello there. I don't know how if I am doing this right. I want to complain against Experian. For almost half a year I have been attempting to dispute accounts that I know are not mine. I have sent lots and lots of letters and they have been ignored. There is a company called XXXX XXXX XXXX reporting three times on my Experian credit report for {$42000.00} each time! I don't even know who they are! There is no way I have three different accounts with someone named XXXX XXXX for {$42000.00} on each account. That's just crazy talk. it shows they are all closed but it doesn't matter. They have several late payments reporting on each account so in reality it is three negative accounts on my credit report that DO NOT BELONG TO ME! And Because Experian keeps ignoring all my dispute letters, I've been stuck with them on my report. 

If Experian doesn't fix them now I will have to sue. I can't wait any longer.
Consumer complaint received 2023-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX To Whom It May Concern : CFPB, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX TRANSUNION, XXXX XXXX XXXX 
I am writing to you today to file a complaint regarding the handling of my disputes with XXXX XXXX XXXX XXXX, XXXX, XXXX, TRANSUNION, XXXX, and XXXX. I have been disputing the following inaccurate information on my credit report for over 30 days, and XXXX XXXX XXXX XXXX, XXXX, XXXX, TRANSUNION, XXXX, and XXXX. has not yet completed their investigation :
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: LendingPoint Holdings LLC (IA)

I use XXXX XXXX to monitor my credit. I know that one of their partners is Lending Point. I see the ads all the time when Im checking my credit score/report. Today I received a credit score disclosure from Lending Point in my email. I didnt no apply for any of their products. I didnt not authorize XXXX XXXX to share my info and Im concerned that a loan was applied for with my personal information. I do not have a new inquiry on my report, but I have no way to contact either company to verify that no loan was taken out in my name.