davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I have made 5 yes 5 complaints against Experian with the CFPB this would be the 6th. They have never responded to my complaints stating : " your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. '' I have been sending mail to them for over a year and have recorded phone calls of them stating that they confirm these accounts being Paid In Full in XXXX. Bankruptcy and credit accounts on report validation request are also ignored and I send them certified with a bill and copy of my ID. Experian has stalled for long enough. Please see previous complaints below and review all documents sent to experian directly by me. I have also attached my disability paperwork, bank document, a photo taken today with me holding a note to experian, my Ohio Drivers License, NC ID, Unemployment documentaion that came  today and other mail sent to me today confirming I am me. The call I recorded is also attached in the previous complaints made but will not load to this one. There are so many documents that all can not be loaded due to the MB allowed. I will be willing to send them by mail or email if needed. 

A complaint was filed with the FTC on XX/XX/2020 as well as the XXXX   on XX/XX/2020
Consumer complaint received 2023-01-06
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: Experian Information Solutions Inc. (FL)

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be updated or corrected. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get adjusted immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (IN)

Chase bank has Invading my privacy. With numeral of phone call from collect agency different companies calling me from XXXX o'clock in the morning to XXXX o'clock afternoon. Since XXXX In has not stop yet evening with the crisis of XXXX Executor order [ CRA ] Was put in place on XX/XX/XXXX XXXX. They trying to collect and they doing everything to invade my telephone line my telephone line so phone is a private property. I use my cell phone to conduct business I can not conduct any business with being instruct every time. 
The violation they had cast in mentally, strees with all this situation is going on now they don't care.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

Pursuant to 15 usc 1681n ( civil Liability for willful Noncompliance ) I have disputed with this company time after time, they never validate any of their information, because if they did then my credit report wouldn't continue to harm me but reflect on the truth. 
Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-08
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I HAVE ASKED FOR THE ( PHYSICAL CONTRACT BEARING MY SIGNATURE ) REQUIRED UNDER SECTION 609 FCRA. ALSO I HAVE ASKED FOR THE METHOD OF VERIFICATION IN WHICH THEY HAVE VERIFIED THIS ACCOUNT ( XXXX XXXX XXXX  ). THEY HAVE NOT PROVIDED THEIR METHOD OF VERIFICATION OR A CONTRACT AND IT HAS BEEN OVER 30 DAYS. 

INITIAL DISPUTE XX/XX/20
Consumer complaint received 2020-06-11
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)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report I was caught surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$2600.00} XXXX  XXXX {$2600.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX {$3000.00} XXXX XXXX XXXX {$3300.00} XXXX  XXXX {$1200.00} XXXX  XXXX {$1200.00} XXXX  XXXX {$2600.00} XXXX XXXX {$180.00} XXXX  XXXX {$2600.00} XXXX XXXX {$3000.00} XXXX XXXX {$1200.00} XXXX XXXX {$380.00} XXXX  XXXX {$450.00} XXXX   XXXX {$1100.00} XXXX XXXX {$3500.00} XXXX XXXX {$1900.00} XXXX  XXXX {$370.00} XXXX  XXXX {$1200.00} XXXX XXXX {$96000.00} XXXX  XXXX {$840.00} XXXX   XXXX {$1100.00} XXXX XXXX {$770.00}
Consumer complaint received 2020-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (NY)

1. Harrassed my elderly parents.

2. Refused to provide proof debt is owed.

3. Refused to identify themselves or the reason for the call.

4. Contacted me by email after I sent a letter to cease contact.

5. Refused to dispute of debt
Consumer complaint received 2020-06-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I was recently modified with my Lender Suntrust. In the meantime they filed lis pendens which meant my private information became public in county records and XXXX and I have received a lot of solicitations. 

One particular concerns me because they called me pretending to be the mortgage company and because I am in the industry I knew better and they have called me 3 times now. The number they call from is XXXX Today I told them that I was going to report them and they used profanity back to me. My fear is that they are making these calls to consumers who aren't in the business and don't know the laws and are scamming them. Please tell me who to contact or how I can be of further assistance. 

Thank you in Advance, XXXX
Consumer complaint received 2020-06-11
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: ALLY FINANCIAL INC. (CA)

In XX/XX/XXXX my vehicle was stolen and deemed a total loss. On XX/XX/XXXX my insurance company issued payment in the amount of XXXX to Ally Financial. To date they have not applied this payment to my account. Ally Financial has acknowledged receipt of this payment. In addition Ally is now reflecting this account as charged off as of XX/XX/XXXX. The charge occurred after I disputed this account balance on my credit report. I have made multiple calls with no call back. The balance paid by insurance did not cover the full balance of remaining loan so I opened a gap coverage claim. This claim has now been closed being Ally Financial has not provided documents requested by myself as well as gap company.
Consumer complaint received 2020-06-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A. (MI)

On XX/XX/XXXX, I tried to link my PNC bank account with the investing app, XXXX. However, PNC doesn't allow people to link their accounts with XXXX anymore for whatever reason. I would like this XXXX  decision to be reversed because it is impeding on my ability to make money.
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute an inaccurate late payment entry on my credit report. I have consistently made payments on time for this account, and it is causing me immense stress to see this incorrect late payment entry. I have never faltered in my commitment to timely payments.
Consumer complaint received 2020-06-11
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.
Consumer complaint received 2020-06-11
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. (OR)

Experian is incorrectly reporting a Chapter XXXX Bankruptcy and a Chapter XXXX Bankruptcy on my credit report. They are claiming the bankruptcies to be " updated/verified '' and therefore will not remove them. I have a letter from the United States Bankruptcy Court District of Oregon 's Chief Deputy Clerk, stating, " Ms. XXXX, The Bankruptcy Court does not report to the credit reporting agencies and has no control over the credit reporting agencies. '' ( see attached docs ) I have a security freeze and an opt-out/suppression in place with XXXX XXXX ( see attached docs ) which legally forbids them from reporting any of my information to all 3 Credit Bureau Reporting Agencies, and any other third party Agencies/Creditors. I also attached Security Freeze & Opt-out Suppression Documents from XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX ), & XXXX. Please instruct Experian to remove the Discharged Ch-XXXX Bankruptcy, ID # XXXX, Date Filed XX/XX/XXXX, Date Resolved XX/XX/XXXX ; Please instruct Experian to remove the Dismissed Ch XXXX Bankruptcy, ID # XXXX, Date Filed XX/XX/XXXX, Date Resolved XX/XX/XXXX ; as these items/information are inaccurate, unverifiable or unfair as per FCRA Section 611 ( a ) ( 1 ) ( A ). 
Thank you.
Consumer complaint received 2020-06-11
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 encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my report as soon as possible. XXXX {$1000.00}
Consumer complaint received 2020-06-11
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. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have disputed the late payments from XXXX, XXXX and XXXX but they remain on my credit report, even though these loans originated 11 years ago, in XXXX. As you can see from my loan history, printed directly from their site. The only actual late payments were in XXXX. I need this corrected, as the 4 loans in question reporting these same lates would be able to be removed from my credit report as they originated well over 7 years ago. I was in school and in forbearance or deferment until recently when I graduated.
Consumer complaint received 2020-06-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (WA)

I have two issues : 1. Mortgage company has not provided a statement for 2 months. I have not received a required periodic statement for 2 billing cycles. The statements are also not available online.

2. Mortgage company does not apply payments timely, and I am concerned they are overcharging interest because of this. Almost every single payment I have made has been received timely by my mortgage company, but not promptly applied. My payments are put into 'unapplied funds ' or 'in suspension ' and not applied until weeks after they are received. This means extra interest is charged, because my principle payments are not applied upon receipt. It may not be much money per person, but it is still stealing, and it nay add up to a lot if they are stealing from many customers.
Consumer complaint received 2023-01-06
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

Consumer complaint narrative In accordance with the fair credit reporting act this creditor has violated my rights under 16 USC1681section 6 o 2 states i have the right to privacy 15 USC 1681section 604 a section 2it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2022-11-06
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)

I have submitted multiple complaints identifying identity theft on my report well over 4 business days ago. Because my rights have been violated I am demanding that the accounts that I have identified as being the result of identity theft be blocked or removed from my credit report no later than four business days after the receipt of such information that I have sent over in accordance with 15 USC 1681 c-2.

See multiple previous submissions through CFPB portal showing accounts identified as identity theft.
Consumer complaint received 2020-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc. (TX)

Collection company keeps putting erroneous and misleading information on my credit report. They keep taking it off and replacing it back on. I believe it to be criminal at this point and I am willing to travel anywhere for a deposition or court proceedings.
Consumer complaint received 2022-01-23
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. (OK)

Dear XXXX XXXX, You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 4861681. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system is dependent Upon my consumer reports being fair, and accurate to me. Pursuant to 15 us 1681 ( a ) ( 1 ). Pursuant to 15 us, 1681 ( a ) ( 2 ) congress made it clear that you are an elaborate mechanism with no real standing, or authority. Pursuant to 15 486 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, and those around me causing me severe hardship, XXXX XXXX, and XXXX. I have been unable to get a job because of you assuming this role. Pursuant to 15 u8, 1681 ( a ) ( 4 ) You were unfair in reporting this erroneous information without first consulting with ; me the consumer., You have no proof that this transaction even took place, You were also impartial because you allowed information to be reported while only hearing one side of the story You also infringed upon my right to privacy by having a conversation about me with a third party, and reporting this information as a result of that third party. I am demanding that this information be removed as soon as possible. Pursuant to 15 us 1681 ( a ) ( b ) You did not meet the needs of commerce because this was notFair and equitable to me. This information is not accurate, nor is it relevant to me. Nor was this False information properly utilized in a manner that is or was equitable to me. This transaction If it even took place should've been confidential so you in fact betrayed my confidence, You are in violation of 15 43c 1681a ( d ) ( 2 ) ( A ) 0 ) If this was a factual transaction ( Which you would not know because you were no there ) it would in fact be a transaction that sly took place between me and the person who allegedly made this report. So pursuant to 15 us 1681a ( d ) ( 2 ) A ) ( I ) it should be excluded from my consumer report.
Consumer complaint received 2020-06-11
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: EQUIFAX, INC. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in onXX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

There's a fraud alert placed on my credit report. At the time, I didn't recognize any fraud reported so I requested that the credit bureau remove the fraud alert. They gave me grief and continued to say they would remove it yet they have failed to do so. I've been calling and writing letters to remove the fraud alert for the past couple of months. 

I figured that since they have failed to comply with removing the fraud alert per my request, that I would request that they add my phone number so that way if I do apply for credit then the company could call me and I could verify my identity. They have still failed to even do this. 

I'm in the process of trying to purchase a vehicle and this is the only thing holding me up. The dealership runs my credit every couple of days as the credit bureau said it would take 24-48 hours to update on my credit report, yet it still hasn't. 

At this point, this has gone on far too long. I need help and assistance to get the fraud alert removed from my credit report.
Consumer complaint received 2023-01-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

I got a phone call on XXXX of XX/XX/XXXX from Portfolio Recovery Associates , Inc. 
They know my personal data and SSN number and told me that there are depts on my name {$79000.00} and {$20000.00}. 
And somebody took these debts in XXXX. 

We just arrived to the USA on XXXX of XX/XX/XXXX and the last time I was here in XXXX as a XXXX student. So I could not take debts physically.
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There's a fraud alert placed on my credit report. At the time, I didn't recognize any fraud reported so I requested that the credit bureau remove the fraud alert. They gave me grief and continued to say they would remove it yet they have failed to do so. I've been calling and writing letters to remove the fraud alert for the past couple of months. 

I figured that since they have failed to comply with removing the fraud alert per my request, that I would request that they add my phone number so that way if I do apply for credit then the company could call me and I could verify my identity. They have still failed to even do this. 

I'm in the process of trying to purchase a vehicle and this is the only thing holding me up. The dealership runs my credit every couple of days as the credit bureau said it would take 24-48 hours to update on my credit report, yet it still hasn't. 

At this point, this has gone on far too long. I need help and assistance to get the fraud alert removed from my credit report.