davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-27
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: EQUIFAX, INC. (CA)

I am grateful for the efforts the Credit Bureaus have done with my Credit Reports. I value the Credit Bureaus ' help to REMOVE a portion of the data on my credit file that came about because of a FRAUD yet I have Accounts and information left that should also be taken out or removed. Per FCRA section 605b, the Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. Under the provisions of the FCRA section 605b, I am in need for the removal of the following fraudulent items completely from my Credit report : 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 DPT EDXXXX XXXX Balance Owed : XXXX DPT EDXXXX XXXX* Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX
Consumer complaint received 2021-02-11
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. (MD)

I have submitted my dispute letters over 30 days ago. The companies listed below have failed to respond and they are in violation according to 15 USC 1692. I did not give my written consent to disclose these things on my credit report according to 15 USC 1681 this is a violation. These accounts should be blocked and removed from my credit report. I have sent my FTC for these fradulents accounts.
Consumer complaint received 2022-09-23
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: CLGF Holdco 1, LLC (NC)

I HAVE HAD THIS CREDIT CARD WITH GENESIS FS CARD SERVICES SINCE 2009 BUT IT IS NOT BEING REPORTED TO THE CREDIT BUREAUS.I CALLED THEM ABOUT A MONTH AGO AND TOLD THEM THEY SAID THAT THEY ARE REPORTING IT.I CALLED XXXX XXXX AND THEY SAID THEY HAD NO RECORDS AND TOLD ME TO CALL THE COMPANY A FEW DAYS AGO AND THEY SAID THE SAME THING AS BEFORE.SO I DISPUTED THEM.THIS HAS CAUSED ME TO KEEP MY SCORE LOWER THAN IT IS SUPPOSE TO BE FOR YEARS AND CAUSE ME HARDSHIP.PLEASE LOOK INTO IT TO SEE IF YOU CAN HELP. THANK YOU
Consumer complaint received 2021-12-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX listed me as a co signer on a loan for 3000 and I have dispute with the lender this loan. Her and boyfriend XXXX also overdrawn my checking account at this bank. I have made several effort to correct this spanning well over 30 days and recent contact with the bank they have no idea what I am talking about for updates on the progress. An attempt to deposit the money into my account failed as her name is not a joint account holder. Please have my name detached from the loan, and investigate the money stolen from the checking account. Please reply by both email and mail. I can not afford a phone at the moment. XXXX is my boyfriend phone. Also someone possibly them are stealing my mail and packages at the door. There are 3 missing reissue XXXX checks that were stolen late last week possibly by them as well.
Consumer complaint received 2021-12-13
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. (IL)

For the last several months, the credit reporting agency Experian has been allowing an incorrect vehicle trade line with ( XXXX XXXX XXXX ) to be reported illegally in my file. I have made several phone calls and sent out several letters in regards to this matter. I have also submitted PROOF to support my claim illustrating that the account does not in fact belong to me but to someone else. Experian has the DOCUMENTATION but still has not updated my credit showing that the account has been removed. Furthermore, the address on the tradeline is an address that I have never lived at or recognize. This is against FCRA rules, regulations and must be rectified immediately. I have been given a complete run around and it is interfering with my mortgage approval and my attorney has advised me to move to file legal action if this situation is not corrected by Experian.
Consumer complaint received 2021-12-13
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. (DE)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX  and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-16
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 (MS)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account under an open-end consumer credit plan as late for purpose.
Consumer complaint received 2021-12-13
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. (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. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-12-13
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. (GA)

XXXX XXXX obtained a copy of my consumer report under false pretenses I never gave them written consent to obtain my consumer report. On XX/XX/2021 they pulled my consumer reporting causing my score to drop tremendously. They used my identifying information without my consent to obtain a copy of my consumer report from Equifax. That is identity theft pursuant to 15 usc 1681 ( a ) ( q ) ( 3 ). The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. Pursuant 15 USC 1681q, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. XXXX XXXX obtained my consumer report under false pretenses and without written consent. This unauthorized inquiry damaged my consumer report and they are now Criminally and civilly liable. Pursuant 15 USC 1681n ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Consumer complaint received 2021-12-13
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. (FL)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (VA)

This company has reported a collection amount of {$520.00} to the credit bureaus and it is negatively impacting my credit. It is being reported as a past due balance and I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Consumer complaint received 2021-12-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (VA)

This company has reported a collection amount of {$620.00} to the credit bureaus and it is negatively impacting my credit. It is being reported as a past due balance and I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Consumer complaint received 2021-12-13
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. (FL)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-06-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC (AZ)

In XX/XX/XXXX, after several attempts to try and resolve the many problems I was having with XXXX, in which they made several promises to me, that included compensation to my bill for their ineptitude, I ended our business relationship and went to another provider. They sent my remaining bill to collections, and it reflected on my credit report for several years before it appeared to drop off. In late XX/XX/XXXX, I noticed a new discrepancy on my credit report for {$460.00} from Waypoint Resource Group, who was reporting on behalf of XXXX, but they reported as a new debt. I contacted both Waypoint and XXXX to offer a payout of {$200.00}, but neither company was willing to accept. I did explain to both that I had ample grounds to make a complaint with the proper authorities, and I would do so if we could not come to an agreement. Here is my first complaint to the CFPB. I am also waging a complaint with the AG in my state, and I will be disputing this zombie debt with all three credit reporting agencies as having been improperly reported.
Consumer complaint received 2021-12-13
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: CREDIT ACCEPTANCE CORPORATION (NE)

Credit Acceptance Corporation silver triangle building* XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX michigan XXXX contact # : XXXX XXXX XXXX www.creditacceptance.com on monday XX/XX/2014 i paid off LOAN.

i was enrolled in auto-pay for years almost guaranteeing their money each month. 
I ( PAID-OFF ) loan sooner then what was due, but this company put on my credit report negative discrepancies. 
I PAID OFF MY CAR LOAN, PAID MY CAR PAYMENT, EVERY MONTH
Consumer complaint received 2022-07-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX EMAIL : XXXX Nation Star Mortgage, LLC DBA Right Path Servicing XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX SUBJECT : Escrow Account for R.P.L.S. Mortgage # XXXX, XXXX Mortgage # XXXX, and XXXX XXXX  # XXXX Dear Right Path Servicing Representative, I received your Annual Escrow Account Disclosure Statement dated XX/XX/XXXX and received by me on XX/XX/XXXX. 
I see that my monthly payment was increased by {$230.00} to cover my escrow account expenses. 
I would like an itemized list of the expenses paid for by my escrow account in XXXX and so far in XXXX. 

Thank you. 



XXXX XXXX
Consumer complaint received 2021-04-16
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. (CA)

XXXX XXXX has marked that I was over 30 days delinquent on payment for both XXXX and XXXX of 2020. This is not the case and both months were paid on time, or early. This has caused a precipitous credit score drop. After getting in touch with them, they corrected this problem, and my credit score reflected that. However, the next month the late payment for XXXX showed up again. Ive reached out to them multiple times, filed disputes, and the delinquency still shows on my credit report. They said that they have fixed the issue and it should be updated, but its not. They continually say theyre not sure why its reported late, or that theyve fixed the issue, or they will send it to their supervisor, but nothing changes.
Consumer complaint received 2022-03-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAC Financial Corp (TN)

Sometime in XXXX of XXXX  I went to the hospital and current hospital bill but I have Medicare policy number to XXXX XXXX XXXX  XXXX and I have North Carolina Medicaid policy number XXXX. What's really foolish about this is they rather send it to collection then accept my Medicaid and Medicare every time I try to talk on the phone and tell them I have Medicaid and Medicare they act like they don't even want to accept that and they want a credit card. I have Medicaid and Medicare and I had coverage back there in XXXX of last year I don't understand how come I'm in collection. Rather send the account to collection then accept my insurance. I don't know who's running this hospital or who's running this collection agency but I keep telling them what my insurance policy is and and they won't accept it.
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX # XXXX is reporting inaccurately on my credit. This was included in my chapter XXXX bankruptcy in 2016 and should not be an active collection on my report.
Consumer complaint received 2018-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had 20 student loans with XXXX XXXX in forbearance. XXXX XXXX and XXXX split and 10 of  my loans somehow defaulted. XXXX XXXX did an investigation and stated they made a mistake but I would need to send certified letter to XXXX to buy back loans. XXXX refused to buy back the loans from XXXX XXXX. So I had NO CHOICE but to do a consolidation with XXXX XXXX XXXX. Now on my credit report these loans are showing NEGATIVELY 120 days late which they were not!!! I have spoken to XXXX and they are unwilling to update the status to NEVER LATE. XXXX XXXX " has no record ''. I filed a dispute with all 3 credit bureaus and they came back " accurate information '' which is not correct. I have ALL OF THESE ACCOUNTS COUNTING AGAINST MY CREDIT!! Please help!! I am asking for the XXXX and XXXX XXXX loans to either change their status to paid never late so they can reflect POSITIVELY or REMOVE them totally from my file. They are paid and closed but still affecting my credit negatively to no fault of my own! XXXX XXXX should have never been on there and would not have been if XXXX XXXX hadn't made a mistake so I am asking to REMOVE that account totally. Basically I have 4 different groups reporting the same monies. My loans are in good standing  with XXXX  XXXX XXXX. I have attached 2 of the 3 credit reports as XXXX is about 30 pages  long. You will see the same account numbers and 20 to 30 accounts for the same monies. This is the biggest hit to my credit score and it's really not fair. I am trying to purchase my first home and this will prevent me from doing so. XXXX 's devious tactics can not continue to ruin people 's lives. After I disputed XXXX started reporting the XXXX XXXX loans under them which had been reporting under XXXX XXXX all this time. Please help and Thank you for your consideration.
Consumer complaint received 2021-12-13
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (CA)

The credit card is a CITI XXXX from store XXXX. On XX/XX/2021 i was charged {$21000.00} for a service that was not existing. I contacted them by phone on Monday XX/XX/XXXX. They started investigations about the fraud. On XX/XX/XXXX the credit card investigator contacted me and confirm it was a fraud, i would not be charged for it. On XX/XX/XXXX The credit card Auto pay charged {$21000.00} to my checking account. I contacted the Credit card immediately to ask how this was possible, it was not correct. The answer from their contact over the phone told me : " we are going to return your money in 3 to 5 business days ''. This did not happen. Again on XX/XX/XXXX I contacted the credit card company, because the money was not returned. I got the same answer from a supervisor " Money will be returned in 3 to 5 business days ''. Today XX/XX/XXXX i contacted them one last time and i obtained a similar answer " Fraud was confirmed and they will return my payment of {$21000.00} in 3 to 5 business days '' In simple terms They agreed in XXXX that there has been a fraud on my card for {$21000.00}. Their Credit card through auto pay charged me {$21000.00}. And they are not returning the amount of {$21000.00} to my personal account. 
sincerely
Consumer complaint received 2021-12-13
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX {$1600.00} XXXX XXXXXXXX {$940.00} XXXX {$0.00} XXXX XXXXXXXX {$460.00} XXXX {$2000.00} XXXX {$0.00} XXXX {$1300.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX XXXX XXXXG ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$640.00XXXX XXXX XXXX XXXX XXXXXXXX Amount : {$0.00}
Consumer complaint received 2021-12-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC (OR)

I downloaded the app called Gemini so i can trade, send and receive Crypto currency in this case Bitcoin and Ethereum. I signed up, verified, got my account linked and made an ACH deposit of {$4800.00} ( XX/XX/2021 ) then i converted money to cryptocurrency Bitcoin and Ethereum. After 4-5 business days as mandated the deposit was cleared ( XX/XX/2021 ) and the market dropped leaving my {$4800.00} to {$4000.00}. I tried withdrawing my asset ( XXXXitcoin ) and they froze my account ( XX/XX/2021 ). i reached out to support and was asked to mail a photo verification showing my face, ID, a piece of paper with the date written on it and the Case ID ( XXXX ) which i did since the XX/XX/2021 and sent to them as instructed but still didn't get any response from their team. i want to know why they haven't responded or how long it will take to get my funds pulled out.