davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: HEARTLAND PAYMENT SYSTEMS INC (WA)

I received a letter a few days ago stating that my acct went to collections, and is & gt ; 180 days late, yet this is the FIRST letter I receive. I did reply promptly when I received the letter, but they sent my account to collections. They stated that they had a incorrect address for me, until last week. I feel that this is a unfair collection practice, as they get a lump sum when a collection agency purchases the account. Please notice how they suddenly found my correct address when they decided to notify me they would be sending me to collections. Furthermore, they had my correct phone number, and never bothered calling it. My phone broke last week, but I 've had my # XXXX for years, and not once did they call me. ( I have screenshots of my conversation with the ECSI rep ).
Consumer complaint received 2016-04-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (TX)

Received a letter from Receivables Performance Management ( RPM ) that I owe amount to XXXX company. I did have XXXX account 10 years ago and it was closed. Even my name on the letter is incorrect and incomplete. Total money extortion in my opinion.
Consumer complaint received 2022-03-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (NY)

American Express, through its Collection Agent, XXXX XXXX claimed to have agreed to a resolution of a disputed debt. When asked for written confirmation of the arrangement, XXXX initially claimed a letter memorializing the arrangement was mailed. One week later the promised letter never arrived. XXXX refused to email or fax confirmation of this arrangement and then advised that unless a payment was made ( despite still refusing to confirm anything in writing ) American Express would " recall '' their file. 

Every effort was made to assist XXXX in confirming the arrangement in writing. An email initiated to XXXX memorializing the terms was not responded to. XXXX 's refusal to confirm terms of the arrangement are highly problematic.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

This is the third time I am filing a complaints again 1st complaint number with Cfpb # XXXX complaint # XXXX.Experian had spoke to your company and said that it was not appearing on my credit report I gave it time they sent me a letter from Experian she wasn't on there I have a credit monitoring I ran my report and it was on there I called you guys again to tell you that they put it back on so I just I was second time now this is the third time I go to look at my credit report and not only do they put back the account with terrible unaccurate payment history they put XXXX back on which is not mine this is a very serious offense and now this is the third time I'm speaking to you guys you need to do something or you'reme they said and they also said to your company that they did not have the account which is XXXX  XXXX  the account number XXXX xxxxx in the amount of XXXX.they have lied twice and now I just again looked at my credit report and they actually put not only the portfolio but the original XXXX  which again I've been fighting for these accounts to get off my credit report since XXXX of XXXX.I filed a report this morning with the Fair Credit Reporting Agency XXXX have attached the letters that I have sent XXXX XXXX XXXX XXXX certified mail back in XXXX I have all of them since XXXX XXXX.I will keep calling I will keep reporting and making complaints until somebody does something and have experience in the certified letter saying that these are off my credit report and I keep putting them back on and they're not my accounts it's ruining my credit and I can't go forward I'm a single mother and I need my credit score to do anything I can't buy a car I can't buy a house I can't even rent an apartment I can't even get insurance for my car next thing I will be doing is going to the news paper and telling my story I don't understand how your company is allowing experience to do this chicken consumers it's not only me you have a problem with them I read on your website please they have to take off the XXXX XXXX  XXXX  and a XXXX  that they put on again and they take off and put on it's against the law and you know this is against the law so I'm the next thing I'm going to have to do is just I'm going to have to just take you to both of you and you know this is against the law so I'm the next thing I'm going to have to do is just I'm going to have to just take this up in court with your agency and Experian
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

EQUIFAX has broken the law. I did not authorize any of the hard inquiries that I am disputing to access my consumer report. They used false and misleading forms to fraud and swindle me which resulted in adverse action. They deprived me of my right to privacy. Because of my right to privacy has been breached this has caused me XXXX  distress which is a crime pursuant to title 18. EQUIFAX is conspiring with the furnished company in the continuing violation of my constitutional protection rights. 

The banking system is dependent upon my consumer reports being fair, and accurate to me. You allowing inaccuracies to be furnished on my consumer reports has caused me to lose confidence in the banking system and as a result I will no longer be extending my credit to anyone, nor will I allow you to furnish a report on my behalf. 

I have attached identity theft reports, fraud reports and my Identification for these inquiries on my consumer report. 
( Transcript from XXXX XXXX XXXX sent to Equifax )
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

ACCOUNT TYPE : DEBT BUYER DATE OPENDED : XX/XX/2021 PAYMENT STATUS : PAID IN FULL, WAS IN COLLECTION. ACCOUNT SHOULD BE DELETED FROM CREDIT REPORT. I HAVE A LETTER FROM THE COMPANY STATING IT SHOULD BE CLOSED AND DELETED FROM CREDIT REPORT.
Consumer complaint received 2022-03-17
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

ACCOUNT TYPE : DEBT BUYER DATE OPENDED : XX/XX/2021 PAYMENT STATUS : PAID IN FULL, WAS IN COLLECTION. ACCOUNT SHOULD BE DELETED FROM CREDIT REPORT. I HAVE A LETTER FROM THE COMPANY STATING IT SHOULD BE CLOSED AND DELETED FROM CREDIT REPORT.
Consumer complaint received 2024-03-13
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: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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 XXXXXXXX
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (UT)

ALLY FINANCIAL sent me a notice of repossession for a XXXX XXXX. ( I cured it by selling the car and paying off the balance IN FULL ). However, prior to me doing so, they repossessed the car ILLEGALLY by having the company they hired illegally walk onto our private property and break into our closed locked garage door... then removed the car! This is absolutely illegal. Repossession agents are not allowed to break into private property ( open a garage door ) to repossess a car. 

They then proceeded to act unethically and without any care in the world for how it affected my credit scores ... by inaccurately reporting it for years on ALL XXXX CREDIT BUREAUS, first as repossessed, then after many years they put redeemed repossession, both wrong. An illegal repossession can not be reported on one 's credit bureaus, the account MUST BE REMOVED ENTIRELY, or changed to ONLY positive reporting. I have written them for years, wasted so much time, emailing letters, mailing physical certified letters, and calling them requesting they remove my account entirely since it is inaccurately reported and has caused me serious credit damage. They REFUSE to correct my credit report and are still reporting it as repossessed. 

Please make them remove the entire account. They should also pay me damages for causing me credit damage. Sincere thanks.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I believe that according to FCRA 605B, it is mandatory for us to eliminate any erroneous accounts from my credit report. Would you mind reviewing the documents? A few of the mentioned accounts seem to be incorrect, causing me some discomfort.
Consumer complaint received 2015-09-08
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: TD BANK US HOLDING COMPANY (DE)

My current credit rating is between XXXX. We have approximately XXXX in credit on our principle property. I applied for a loan with TD bank in the amount XXXX for debt consildation. The sent me a letter stating I was tentatively approved for the loan. They requested documents pertaining to my existing loan XXXX proof of insurance, XXXX, etc and gave me three days to get paperwork together. XXXX letter wa predated one week prior to receipt ). Once all documents were in place, TD bank requested additional documents not previously documented in letter. My husband and I also own a rental property we are in the process of selling. After two months, I received a call from XXXX XXXX XXXX stating my loan is declined due to loss of money from our rental property. We are renting it at a XXXX loss/month. I strongly believe the denial of this loan is race based. I have a very strong credit rating and have never defaulted on a loan. We also have positive equity with XXXX properties. Their explanation is nothing short of preposterous!
Consumer complaint received 2017-03-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TD BANK US HOLDING COMPANY (MD)

After further investigation and disputes with the company via the credit bureau, I have found that the information listed on my credit report for TD Bank is inaccurate according to the FCRA which states that the date of the first delinquency ( DOFD ) is the date a consumer first became 30 days late and no further payments were made on the account from that date forward. At this stage, the DOFD usually leads to a creditor charging-off the delinquent account. My loan account did meet the DOFD requirements ( 30 days late and no further payments ) to be charged-off by TD Bank. I became aware of a missed XXXX payment that I thought was paid in full in XXXX and made the missed payment. 

TD Bank is erroneously reporting this account as charged-off. The report shows the DOFD as XXXX and the date of last payment ( the final payment ) as XXXX. Further, when making this final payment, the representative did not make me aware that this debt would be charged-off, which I also understand was the banks ' responsibility. I am turning to CFPB for assistance with this matter because I have exhausted all avenues with the creditor and CRA 's through phone calls, letters, disputes, etc. 

Thanks. 

XXXX
Consumer complaint received 2022-01-31
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. (FL)

This is a formal complaint against Experian located in po box XXXX, XXXX, TXXXXX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary XXXX XXXX XXXX  distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, Experian has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon. 

XXXX and XXXX XXXX alleged accounts shows the following inaccurate reporting : Date of last activity has been re-aged I believe this is a violation. 
Close date is reporting as incomplete Dispute status is reporting as Account not disputed which is not true. Creditor remarks states account was disputed. How can they have verified and confirm that this information is completely 100 % accurate?
Consumer complaint received 2022-03-17
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)

Over the course of 30 days. I have filed a dispute in regards to inaccurate and false information on my credit report. My first dispute was XX/XX/XXXX. Experian, is still reporting these incorrect items. According to the fair credit ACT, section 609 ( a ) ( 1 ) ( A ) they are required by Federal Law to only report Accurate information and the have not done so. They have not provided me with any proof i.e. and original consumer contract with my signature on it proving that this is my account. Further more Ive provided an FTC report showing this account is opened without my consent, proof that XXXX has removed this fraudulent account on XX/XX/XXXX, and a credit report that shows only Experian Credit Bureau reporting this fraudulent account.
Consumer complaint received 2022-03-17
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. (VA)

I reviewed a copy of my credit report and I noticed two fraudulent/unauthorized hard inquiries that needs to be removed from my credit report. The inquiries to be removed are listed below and I will also like to add that I was a victim of the XXXX  XXXX data breach. 

1. XXXX XXXXXXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX I made an online purchase a generator on " XXXX  '' for {$110.00}. Since I did not receive any email correspondence as to proof my purchase over XXXX hour my purchase and the fact that I saw full charge has gone through my payment account, I checked back with the aforementioned website only to find out it had gone dark. In fact it never re-surfaced anymore. As of today, XXXX XX/XX/XXXX I have not received any mail, email and or other type correspondence for purchase confirmation, order or shipping status. Several attempts to find the vendor online came back empty. I reported the irregular activity to the PayPal a few days following my order. I disputed this purchase on the grounds that I NEVER receiving my purchase. They initially reverse the charge pending investigation and by the end of XXXX they place the charge back without and explanation. So I refiled my dispute on XX/XX/XXXX. On XX/XX/XXXX, I received a response from PayPal Credit Dispute Department, with a USPS XXXX information allegedly proving shipment of my order. Clearly as I had never received any shipment I contacted our town 's XXXX post office. Upon my investigation at XXXX XXXX XXXX XXXX XXXX, it was determined the tracking information points to totally wrong address. ALSO USPS assured me the item mailed has been a flat ( letter, post card, small envelope ) of only XXXX. This is when the item I purchased is the size of a small ice cooler and weighs about XXXX. Please see attached USPS produced shipping transcript corresponding to that tracking number and manufacturer 's spec sheet. 
On XX/XX/XXXX, in the advice of one PayPal Credit Dispute Department supervisor I mailed all supporting documents that proved my case. Since that date I have spoken twice ( XX/XX/XXXX and XX/XX/XXXX ) to the PayPal Dispute Department and and every time it was elevated to the highest supervisor level, and both times they were able to pull up the documents I sent, and assured my that my documents are complete and sufficient to kick the case out and resolve it in my favor, however I am still being force to pay the charge and am being charge 23.99 % interest on the remaining balance. 
They know full well this was a bogus online site and they charge my account without ever planning to send me any such item. My research online showed the address from which the item allegedly was shipped has several similar complains. This is clearly their modus operandi because they've realized PayPal will not go after them.
Consumer complaint received 2022-01-31
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. (OK)

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every statement date and balance whether reported or not. 

Univeristy of XXXX  Account XXXX : XXXX I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as Agreed, Never Late ) and supply a corrected credit report to my creditors who have requested a copy of my credit report in the last 6 months. Im also requesting the description of the procedure used to determine the accuracy and incompleteness of the information, I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. 

It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this reject the complete within 30 days of receipt of this letter, or you must remove the incorrect information please send an updated copy of my credit report to the above address. Thank you for your prompt attention, time and help in this matter.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I sent a letter to them last XX/XX/2022 and until now I didn't received any response nor see any changes with my report. I never gave anyone any written consent to report anything on my credit report because of this they are violating 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports ( a ) ( 2 )
Consumer complaint received 2022-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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
Consumer complaint received 2022-03-17
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. (NJ)

On XX/XX/XXXX I sent a certified request to Transunion disputing the inaccurate reporting on my report from XXXX. Transunion updated my report and removed the inaccurate information in XX/XX/XXXX. However, I have noticed AGAIN, Transunion has allowed for the false reporting. 

I am requesting the removal of the derogatory reporting from US Department of Education XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX. 

According to the correspondence from XXXX, XXXX began servicing a XXXX XXXX on XX/XX/XXXX which is and has always been in good standing. However, according to the credit bureau Transunion, XXXX continues to falsely report servicing my loan effective XXXX, with negative reporting in XXXX, XXXX and XXXX. 

I have enclosed a copy the letter from XXXX, to me regarding said loan, and unless you can provide valid proof to support otherwise, I request that you immediately cease and desist inaccurate reporting practices and delete the false information outlined in this document form my credit report immediately.