davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
Consumer complaint received 2020-12-03
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TN)

On XX/XX/2020 I went to make my monthly payment on my Synchorny XXXX XXXX XXXX  Card and was prompted that my account had been closed. My monthly payment is not due until XX/XX/2020 but I paid it early. I generally pay on it bi-weekly just to make extra payments and keep interest down. I paid on XXXX and XXXX. I called customer service and was told that I received a letter in the mail stating why my account was closed, which the rep said it was closed on XXXX. When I paid on XXXX XXXX my account was not closed. I never received a letter just the monthly bill. The representative told me they pulled my credit report to see what I was spending my money on and made the decision to close it. I explained to her that makes no sense for a company to continue to pull my report like and cause my score to drop by doing so. I asked for a manager so I could get the information on filing a report. The manager decided to argue with me stating " how do I think we receive increases on cards ''. I explained to her you receive increase based on your credit payment history with the company not from them pulling your credit report. She refused to give me the consumer complaint information to make a complainant and continue to try and argue me. She then stated they mailed a letter on XXXX, weeks after the initial rep said it was closed. I have not missed a payment on my account and my account is in good standing yet they have closed my account and caused my credit score to drop 54 points by doing so. From the complaints filed with the XXXX  they have done numerous people like this within the last 6 months. Someone has got to do something about this. They are ruining our credit closing accounts like this.
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting Act. Experian, XXXX and XXXX have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States i have the right to privacy. 

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX NY XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX.
Consumer complaint received 2023-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (FL)

I sold my XXXX XXXX  XXXX XXXX  to we buy any car in XXXX, fl and they gave me paycheck amount for {$4500.00} on XX/XX/XXXX. Chase bank approve day check deposited via their mobile app on XX/XX/XXXX. They sent me an email about it. ( See screenshots ) they said it will be available on Friday XX/XX/XXXX but then they put ahold on my checking account again saying the money wont e deposited and my account is restricted so i can not use my debit card because check can be altered. The number to call for car group holdings is invalid not in their system they do XXXX search etc and they tried several numbers so they don't know if they can verify the check but i called number on check spoke to the woman and got her personal sell chase bank refused to call them number or the lady that works for car holdings group XXXX to verify check. I need that XXXX to buy a car i have XXXX kids under XXXX and we separately need a car worse is I cant use my chase checking account or debit account. Can you please rectify this situation and help me.
Consumer complaint received 2021-12-07
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous 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 INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX of inquiry XX/XX/XXXX XXXX-Date of XXXX XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-12-07
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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous 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 INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX-Date of inquiry XX/XX/XXXX 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
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
Consumer complaint received 2021-12-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NC)

Our mortgage was sold to a Freedom Mortage company on XXXX, we were notified and we set the drafts as usual, on XX/XX/XXXX the payment was reversed saying that it was an error on code, I contacted the company and they found that their system was taking savings accounts as a checking account, we set a one time payment as they instructed and payment was reversed again on XX/XX/XXXX, we set it again with XXXX  bank confirming all the information and it got reversed again o. XX/XX/XXXX, we change it to checking account and it got reversed again on XX/XX/XXXX we finally got a pyme t and then we had the same issue by XX/XX/XXXX we contacted the mortgage company set all again and payment finally went through, I was expecting a draft on XX/XX/XXXX and that payment got reversed again on XX/XX/XXXX now I just want my mortgage be with another company, this is insane.
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I already contact the collection company and been paying that account. They told me if I still paying that they will made a good report to the credit bureau because I want to buy a house. 
The other is that I already pay my house that I sold out about 1 year ago. Have 2 mortgage I don't know why. The house is sold out in good standing and I see that still appears that I owed that I already paid it why is not in my credit report and my credit report still in XXXX or 500 something. This is insane, you people are the worst credit bureau that I ever know. I'm going to report this, I know people that want to start again and can't for you. My wife and I want to buy a new one and we can't for this
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

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. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2021-12-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

I filed for a forbearance with XXXX Mortgage which will end on XX/XX/22 I received a court document stating that the full amount of XXXX must be paid on XXXX or they will start foreclosure proceedings My lawyer agreed to this without my consent I was unaware that there was a court date My lawyer advised me to pay the amount due or let XXXX take the home
Consumer complaint received 2020-12-14
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2019-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK ()

Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States back on XXXX, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports also i have already made report at XXXX 1. XXXX XXXX XXXX XXXX XX/XX/XXXX 1. XXXX XXXX XXXX XXXX XXXX, XXXX 1. XXXX XXXX XXXX XX/XX/XXXX 1. XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX 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 2021-12-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OH)

I have made a purchase in XXXX store with store card issued by Comenity Bank. My due date is the XXXX of each month. Credit card cut of time is XXXX EST. I made a payment on the XXXX after XXXX. Obviously I was charged late fee plus interest. Next month statement indicated late fee and interest. I paid it and again I missed cut of time. I am being charged again late fee plus interest for 2nd time. My purchase balance was paid fully from the first time. But I am still being charged late fee on the late fee.Is this even legal? Thank you. XXXX XXXX
Consumer complaint received 2021-12-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANKMOBILE TECHNOLOGIES, INC (MD)

I had a bank mobile account # XXXX for over 5 years, until today, they closed down my account out of the blue, I called customer service, he was not any help, i asked for a supervisor, the person that claimed to be the supervisor told me when the prompt online asked for my social security number and I did not provide it, they closed down my account. I told him that I banked with them for years, never when I went to go check my account, it asked for my social security number. I been scammed before so I thought it was a scam. I then asked the rep. where is my money that was in the account? what blew my mind, this man told me that i have not used the account in years! Which is a Lie! I work for XXXX  XXXX XXXX and my checks get deposited in that bank account # XXXX every other week, now this so-called supervisor is trying to tell me that i don't have any money in that account or used that account in years.
Consumer complaint received 2021-12-07
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. (NJ)

On XX/XX/XXXX I sent Experian a letter certified that they received on XX/XX/XXXX about the request for a Description of Procedure As per law 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) & 15 U.S. Code 1681i ( a ) ( XXXX ) for reinvestigation Report Number XXXX. The letter that I sent was very clear. I did not ask for a dispute. I did notify them of the law and that they needed to respond within 15 days of the name of the vendor that was used to verify the alleged bankruptcy. I also provided a letter from the courthouse where they claim the bankruptcy came from. The letter stated that they court did not provide for verify this Information with Experian or any other vendor because they do not give information to third parties. Somehow Experian claims that they verified the information with a vendor but will not disclose the vendor, which violates the above law. I also informed Experian in the letter that they were lying in the results of the report number that they provided me and that I was requesting a Description of Procedures. I have not been provided this Information, instead they processed another dispute and said it was certified by a company. Attached is the letter that I sent along with their dispute response. I also sent them a request to delete a old address listed on my consumer report because I have not lived at the address from some time now, but they refuse to remove the address despite me providing a DL with my current address and a utility bill that was given to them. I can not no longer receive mail at this address, and I don't want any identity theft being taken place. I am requesting the address be removed at this time.
Consumer complaint received 2019-10-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

I applied for a mortgage modification with my current mortgage holder Select Portfolio Services. I was told verbally that the trial modification was approved. I waited for the paperwork to evaluate the terms. It never came by US Mail. Therefor I requested that the paperwork be sent via fax. It was received on XXXX. I asked my family attorney to review and thinking I had until XXXX to make my first payment. I was told on XXXX, as I called the company ( SPS ) to ask a question in reference to the terms that they closed my modification on XXXX. I feel as if due to the delay I receiving the paperwork and allowing the time for review I should at least have until XXXX to make my first payment. Please assist and or advise.
Consumer complaint received 2019-05-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (SC)

I recieved a call from a process server about paperwork for a civil suit. I got the law offices information from her. I called the law offices. This is about a payday loan taken out on XX/XX/2010. I have NEVER taken a payday loan out. I have had a title car loan with XXXX XXXX that was paid off in full. The name of the company who sold " my account '' to the law firm of XXXX? XXXX? and XXXX? ( XXXX ) case number XXXX is Ace Cash Express. Again I reiterate that I have not done business with these people ever.
Consumer complaint received 2018-11-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LEXISNEXIS (AZ)

Lexis Nexis has failed to respond through written communication within 30 days from certified mailed letter that was signed by XXXX on XXXX. Lexis Nexis has violated the FCRA 611 ( 15 U.S.C 16811 ) that they did not provide me with a description of the procedure to determines the accuracy and completeness of the disputed information. In dispute letter I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy, who they referred this dispute to ; and who responded back with the required " verification ''. In the meantime, I also obtained a letter from the U.S. Bankruptcy Court which clearly stated that they do not provide any information to the Credit Bureaus. Furthermore : Please Note : Bankruptcy Rule 9037 which states that " personal identific.ation information defined as individuals Social Security, and tax payer identification numbers, names of minor children, last four digits of financial account number, and dates of birth, be redacted from documents filed with the court. " Therefore, ( XXXX XXXX XXXX ) claim that their subscription to XXXX was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, ( XXXX XXXX XXXX ) is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting information that they have assumed is verifiable based off circumstance
Consumer complaint received 2022-06-12
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)

In accordance with the Fair Credit Reporting act XXXX 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