davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-07
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. (IN)

I received a copy of my credit report and am disputing some items that need corrected. The reasons why these items should be corrected are indicate below : REASON FOR CORRECTION : Item # XXXX : This collection is from a furniture store located in Texas. I have never resided in this state. This debt needs to be deleted. 
According to the provisions of the Fair Credit Reporting, these disputed items must be reinvestigated or deleted from my credit record within 30 days, but the credit company that is TransUnion has not sent me an answer and it's been more than 30 business days.
Consumer complaint received 2021-04-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (AZ)

COLLECTIONS & LEGAL DEPARTMENT XXXX CASE NO : - XXXX OUTSTANDING AMOUNT : - {$800.00} TODAYS SATTELMENT AMOUNT : - {$580.00} Keeps sending emails, that are not addressed to my email nor do the emails have my name on them. States is a communication from, mailto : XXXX I get at least one of these emails once a week
Consumer complaint received 2018-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (VA)

American Express is trying to collect a debt from XXXX XXXX. I used to rent her a room at one time, but am not her or responsible for her debt. She put me on her card as an authorized user no financial information should have been exchanged. I never had the card and when I found out I made her remove me and had the company do that as well. At that time she was current with little owed I believe. I'm assuming she's gotten behind because the company keeps calling me and my family. I call back each time and tell them to remove my number, I'm not her and have no idea how to contact her. I still get the calls constantly. Usually from a XXXX XXXX, Senior account specialist and they leave the number XXXX. Also got one from XXXX something but the name broke up on the message so not sure last name. I've called and spoken with America Express a bunch of times. Last time was XX/XX/18 about XXXX. They say they've removed my number but I got another call today. They just won't quit!
Consumer complaint received 2018-10-22
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (NV)

I have a loan with DEPT OF ED/NAVIENT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and DEPT OF ED/NAVIENT with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX 2018.
Consumer complaint received 2022-02-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

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. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

To whom it may concern : The bureaus have reported something on my consumer report that is not 100 % accurate in an attempt to damage my reputation as a consumer and cause me great pain and misery! 

The courts have not supplied the bureaus information about a public record pertaining to me I asked the bureaus to please RE INVESTIGATE and provide proof from the court of this public record! I have never filed bankruptcy ever in my life.
Consumer complaint received 2021-06-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I bank with Bank of America ; I started with {$2200.00}. On XX/XX/2021, the mortgage company withdrew {$2200.00}. By the end of XX/XX/2021, my account still had {$42.00} ; According to Bank of America, to combat a pending transaction of {$57.00} that didn't post until XX/XX/2021, they decided to charge me an overdraft fee even though I had an available balance of {$42.00}. My available balance on XX/XX/2021 ( Friday ) was {$1300.00}, and they pulled a pending transaction of {$57.00} ; they also drew a {$35.00} overdraft fee on XX/XX/2021. Even though there were available funds, and my account didn't have a negative balance, they informed me that it isn't possible to take off the overdraft fee. I spoke with XXXX and XXXX, Manager ID XXXX. Them charging me an overdraft fee for a pending transaction is by far the craziest banking issue I have ever run into and is just another way for banks to capitalize on hard-working American people.
Consumer complaint received 2018-08-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I was approved for a modification on XX/XX/XXXX. The modification that I agreed to and signed before a notary stated that under the agreement the loan would be reduced in three equal installments of {$76000.00} with a final installment of {$28000.00} due on and payable on XX/XX/XXXX. The mortgage payments were made and time and Ocwen failed their terms of the modification. The loan balances should be {$140000.00} 1st/ {$580000.00} 2nd balloon payment. The current pay-off amounts are {$130000.00} 1st/ {$250000.00} 2nd I have called Ocwen numerous times and I am told they are able to  make changes to the agreement with my signature or consent.
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (MN)

I contacted Santander in XX/XX/2018 to make my payment before being reported late to credit bureas. I was given inaccurate information regarding my account and when account could be paid before being reported late. 

I borrowed money from my mother and had her to contact Santander to pay them in my behalf. The customer service representative gave her my account information without my consent, which is against policy and violated my privacy. I later called to speak with a manager and was told the call would be investigated and I'd receive a call back on the following XXXX. I never received a call and they inaccurately reported my account 30 days late with the credit bureau. 

I have called, written letters with no response at all over the last 6 months. This information needs to be corrected as I was not late based on the payment.
Consumer complaint received 2022-10-07
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)

I am disputing the following XXXX account for inaccurately reporting on my credit report for the past several years on Experian. Proof was sent as an additional reference from XXXX to Experian. Late payments have been posted to both accounts ( Experian, XXXX ) inaccurately. On Experian it says that I was 30 days late on XX/XX/XXXX, but on XXXX it says I was 60 days late on XX/XX/XXXX. 

In addition, there are several inaccuracies of late payments. Per Section 15 U.S.C. 1681i. I requested Experian to delete the following account for inaccuracy on my credit report. This letter was sent on on XX/XX/XXXX. I received response on XX/XX/XXXX saying that the account was verified.
Consumer complaint received 2022-02-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS 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
Consumer complaint received 2021-06-12
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: Chime Financial Inc (NY)

I have noticed that the credit reporting bureau, XXXX  has been doing unethical practices when updating my credit score and credit information on my credit report. No matter the changes or update to my credit accounts they will decrease my credit score by 75 points without reason. It is not logical to think every infraction or change to my credit report warrants a a 75 point decrease. In addition to that, I am constantly from XX/XX/2021 to now, disputing a former address that is not mine. Despite the fact that I have provided a copy of my drivers license and had the address deleted it keeps reappearing. Thirdly, I have a secure credit card with Chime bank, a.k.a XXXX XXXX, XXXX. Whatever spending I do on that account is covered by my balance in my checking account. Ive never carried a balance yet they have reported a balance of {$14.00} and even after the XXXX and XXXX statement showing no spending activity and a XXXX  balance, it still remains on my credit report. I have disputed with XXXX  and provided copy of my credit card statement with chime. It still hasnt been removed. XXXX  is doing shady business practices. I havent had these issues with any other credit reporting agency.
Consumer complaint received 2021-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

On XX/XX/2021 I notice a bankruptcy alert in my credit report, from which I was unaware of.I proceeded to call the original creditor which phone num was XXXX, ask them for information regarding the bankruptcy the lady ask for my full name but in her system I appeared to be located in Texas, which is wrong I dont. I communicate her that I couldnt be me and she asked for my social since I didnt have an account number ( because I never received letters to my house regarding the debt that I Own. She said that the only way to verify me was with my social which I denied saying it. I havent been to an ER facility in over a year plus I am not from around the area this ER is located at. I believe someone stole my identity and claimed this money, because they have my old phone number on file. I dont have any documents to upload because this people didnt even sent letters of notice otherwise I would had taken maters since the early beginning, before something like a bankruptcy under my identity would have happened.
Consumer complaint received 2021-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I have noticed that the credit reporting bureau, Equifax has been doing unethical practices when updating my credit score and credit information on my credit report. No matter the changes or update to my credit accounts they will decrease my credit score by 75 points without reason. It is not logical to think every infraction or change to my credit report warrants a a 75 point decrease. In addition to that, I am constantly from XX/XX/2021 to now, disputing a former address that is not mine. Despite the fact that I have provided a copy of my drivers license and had the address deleted it keeps reappearing. Thirdly, I have a secure credit card with XXXX XXXX, a.k.a XXXX XXXX, XXXX. Whatever spending I do on that account is covered by my balance in my checking account. Ive never carried a balance yet they have reported a balance of {$14.00} and even after the XXXX and XXXX statement showing no spending activity and a XXXX  balance, it still remains on my credit report. I have disputed with Equifax and provided copy of my credit card statement with XXXX. It still hasnt been removed. Equifax is doing shady business practices. I havent had these issues with any other credit reporting agency.
Consumer complaint received 2018-08-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: ALLY FINANCIAL INC. (TX)

I signed a contract and took delivery of a XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX in XXXX XXXX, La with financing being provided by Ally Financial. I have been disputing the reporting to the credit bureaus based on the fact that I did not receive statements from Ally Financial resulting in late payments. After disputing these results, Ally Financial mailed me a alleged copy of a letter from XX/XX/XXXX stating that the interest rate and all financing totals were wrong on the original contract and that they updated the contract without requiring my signature. My interest rate was changed from 13.04 to 14.99 percent without me ever being away of the change. I never received a letter regarding this change. The original contract was signed by both parties with the original amount and should have been binding. I was being charged higher interest rates for the life of the loan without being notified. This is a breech of contract and should mean the original contract is no longer valid. Ally Financial also indicated in a phone call to me that they sometimes do edit payment reporting for lost statements but would not do this in my case without providing a reason. The only explanation to this is discrimination based on something in my contract or profile that they do not want to explain.
Consumer complaint received 2022-02-23
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. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-06-12
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. (OH)

I have filed a dispute regarding incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AZ)

The collection account with XXXX XXXX has been on my credit report for over seven years. The collection was last reported on XX/XX/XXXX as being opened in XXXX of 2014.
Consumer complaint received 2021-06-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2019-11-14
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. (VA)

I've sent Transunion LLC several letters disputing accounts : XXXX, XXXX XXXX, XXXX  XXXX XXXX, and XXXX XXXX XXXX, and XXXX XXXX as either inaccurate, inconsistent, or unverifiable and they will reply back stating " verified as accurate ''. Each letter I asked they provide me with reasonable procedures and proof of their investigation. According to the FTC and FCRA, the credit bureau have to tell me how you verified the accounts and Transunion is not following the law when asked.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Hello I deposited my payroll check in the amount of {$540.00} to my account on XX/XX/2021. 2 weeks later, on XX/XX/XXXX, the bank illegally withdrew the money from my account causing my account balance to go negative. I called the same day to understand what happened. It took 4 calls ( yes, 4!!! ) to get to the bottom of the issue. 3 agents told me the money was debited from my account because that same check was cashed twice. I explained that it was impossible but they kept insisting that was what had happened. I finally spoke to a manager and he told me a mistake was made by the bank and the money was withdrawn from my account in error!!!!! He said he would submit a request to fix the issue and that it would take between 3 to 5 days. On XX/XX/XXXX I called them again as the money was still not in my account! I was told it would be there in no more than 2 days. Today is XX/XX/XXXX and the money still isnt there. 
I am a student working only part time so I truly cant afford to have {$530.00} stolen from me! I thought I deposited my money with a bank and not some illegal business. Please help me get my money back!
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (TX)

I APPLIED FOR CREDIT WITH SYNCB/LOWES ON XXXX XXXX, XXXX. THE ONLINE APPLICATION DID NOT STATE IF I WAS APPROVED/DISAPPORVED, SO I CALLED THE CS NUMBER. THIS WAS NO HELP, BECUASE THEY COULD NOT STATE NOR SEND ME TO SOMEONE WHO WOULD TELL ME THE STATUS OF MY APPLICATION. AFTER SEVERAL PHONE CALLS LATER, I WAS TOLD I HAD BEEN DEINED. I ASKED WHY AND WAS TOLD I WILL RECEIVE THE REASON WHY VIA MAIL. I CALLED AGAIN TRYING TO TALK TO A MANAGER AND THEY INDICATED THEY DO NOT HAVE A MANAGER OR AN DEPARTMENT THAT ADDRESS MY QUESTIONS. I CHECK MY CREDIT RATING VIA AN ONLINE APP IT SHOWS I HAVE AN XXXX, XXXX AND XXXX XXXX XXXX. I ALSO NOTICE SYNCB/LOWES IS XXXX TWO HARD INQUIRIES ON THE SAME DAY ( XXXX XXXX ) .AS OF TODAY, I HAVE NOT RECIEVE THE REQUIRE REASON WHY I WAS DENIEDCREDIT NOR HAVE ANYONE FROM SYNCB/LOWES HAVE ATTEMPTED TO CONTACT ME.
Consumer complaint received 2022-02-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX/XXXX  XXXX