davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have OLD accounts that has been closed for more than 7 years on all 3 of my credit reports XXXX, TransUnion and XXXX. There are still accounts open that suppose to be closed. I have reached out to all 3 credit reporting agencies filing disputes. I dont understand why after 7 years these accounts are still on my reports. I dont understand why accounts the closed isnt closed! According to the Fair Credit Reporting Act, old accounts that are more than 7years should be removed from a consumer credit report. I have closed accounts on my credit reposts that is 7-11years old, why??
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: ALLY FINANCIAL INC. (KY)

I am an existing customer of OLLO Card Bank and have been for over six years now. My account is and has always been in good standing, no late payments, normal card usage EX : gas, restaurants, retail shopping, grocery, etc. I received a letter over a month ago stating that they wanted me to upload a picture of my social security card AND my unexpired government ID ( drivers license/passport ). I originally felt this must be a scam as what financial institution would ask you to send them a COPY of these documents. First, I had to provide them with my social security number when I opened the account, so they already have this information, and I again have been a six plus year customer of OLLO Card. I immediately called the company thinking this must be a scam, although the letter did have their actual phone and address on the letter. The customer service rep could not explain why I would get this letter but she would have someone follow up with me. They never did, and I then got an email from them stating that time was running out and my account would be closed by XXXX if I did not send that info in. I called back only to have another rep tell me it is a law, and only a small percentage of customers are asked for the data. However, he could not tell me " what law '' it was. I have never ever from any other financial company that I have other credit accounts with have been asked to provide actual copies of my information. This seems VERY SHADY to me. I have asked other people I know if they have ever heard of this, and so far I have found no one who has ever been asked by there bank to send this in. If I had been asked as a new customer to send in copies I could have declined to do business with them, but as a six plus year customer to now ask me to send in this is very concerning. I told the guy I was fine with my account being closed as I certainly do not feel comfortable in doing business with them, but I want to report this bank and their requests. Everyone knows how much identity theft there is today and that you should protect your information as well as possible. Why would I or anyone stand to be asked to provide these documents. I was not sure who to report this to, but if you could publish so other consumers avoid OLLO Card Bank I would appreciate, as this is not a law that I can find, and I know for certain that it is NOT normal practice of any other creditor I have ever had. 
Regards, Concerned Consumer
Consumer complaint received 2019-03-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: DISCOVER BANK (PA)

XXXX and XXXX again have threatened to take me to court to review all of my assets, which I have gone over and filled them in very fully on my assets. Which is XXXX a month from social security and XXXX in clothes hair procucts and face products. I have no trusts I am not a beneficiary, I do not own any cars or own the house. I can not afford to pay XXXX a month to them for the full balance. It has been 9 years I need a much lower settlement on this, that can be broken up. I can not pay out of my only income from the government for my XXXX to pay this off. Please stop the court threats, and lets come up with a reasonable settlement.
Consumer complaint received 2018-12-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Nicholas Financial Inc. (FL)

I opened a car loan XX/XX/2009 with Nicholas Financial for a XXXX XXXX. The loan was for 54 months at the payment was {$330.00}. I fell behind due to my grandmother getting ill and I had to travel back and forth to Florida to take care of her until she became so ill that I had to relocate. I tried to contact them on several occasions to discuss the situation but to no avail. My car was repoed and during the I was dealing with my grandmother I couldn't give it as much attention as I wanted to. However, I did call several times as well as sent a letter. 

Nicholas Financial sold the car in question and then requested an incorrect balance for me to pay. I am now in search to obtain housing for my grandmother and I and due to this incorrect balance/charge off showing it is very difficult to do so. 

I tried to contact Nicholas to deal with this matter but this time all my correspondence came back. Unfortunately nothing Nicholas financial  promised they did. I understand I'm responsible for the loan, but I truly tried to contact them prior to getting behind in my notes, while I was behind, during the repo process and afterwards.
Consumer complaint received 2019-03-28
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. (GA)

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1.  This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2020-02-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been working on repairing my credit for about six months now. I have been consistently sending letters to TransUnion during this time, the first one being sent on XX/XX/2019. I am in the process of trying to get a home for my family and me, and the blatant disregard from TransUnion is hindering my efforts. I am trying to better myself and get a better job but TransUnion will not respond to my disputes so I'm not even sure if they are following the laws laid out for them. I have attached all of the letters I sent to TransUnion below.
Consumer complaint received 2020-02-03
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. (TX)

I have contacted Experian for the past year about this inaccurate information. XXXX XXXX account XXXX. I have asked them to send me information verifying that this information is true. I have previous been a victim of fraud.
Consumer complaint received 2022-04-25
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)

XXXX XXXX XXXX XXXX, XXXX XXXX account ending in # XXXX In accordance with the Fair Credit Reporting act 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 2022-03-08
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: EQUIFAX, INC. (NC)

I found an inquiry on my current credit report that I did not authorize and have no knowledge of submitting. 

Creditor Name : XXXX XXXX XXXX Type of Business : Not Listed Date of inquiry : XX/XX/2022 Credit Bureau : Equifax Address : Not Listed
Consumer complaint received 2018-12-18
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. (IL)

I have try to have these account that are a result of identiy theft removed or blocked per the fair credit reporting act section 605 ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. and Equifax will not block o remove these accounts. as a result they are in violation of my consumer rights.
Consumer complaint received 2020-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I contacted Transunion previously to dispute an inaccurate address on my credit report. 
My address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Transunion is reporting an address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I have never resided at this location and believe the apt number were just transposed.
Consumer complaint received 2018-05-24
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. (CA)

This is notify CFPB of EXPERIAN 'S violation of FCRA. Last XX/XX/2018, I sent a letter to this company to dispute accounts from XXXX and XXXX XXXX. I disputed account XXXX with this company and I even requested a debt validation from XXXX which have not sent me proper debt validation documents. XXXX even reported to the bureaus that they are reporting correct and accurate information even though they did not provide me what I am entitled to receive. 
Also included on my account are accounts from XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I sent them a check as payment for these accounts and clearly, " CONDITIONS ARE WRITTEN AT THE BACK ''. It clearly states that 'THEY CAN ONLY CASH THE CHECK IF THEY AGREE TO DELETE ALL THE ACCOUNTS THEY REPORTED TO THE BUREAUS ''. XXXX XXXX CASHED THE CHECK, which means THEY AGREED WITH THE CONDITIONS. They are in violation of the VIOLATION OF CALIFORNIA CIVIL CODE and BREACH OF CONTRACT/AGREEMENT. This is my last resort before I take a step further and get a legal counsel involve.
Consumer complaint received 2018-05-24
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (TX)

THEY ARE REPORTING 90 DAY TO 120 DAYS LATE 3 TIMES I TRY REACH OUT TO CORRECT THE PROBLEM WITH NO RESULT THEY GOING FROM PAYING ON TIME TO 90 DAYS LATE AND IS EFECTING MY CREDIT SCORE.
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCF Intermediate Holdings LLC (AL)

I checked my reports online. XXXX and XXXX. Are reporting XXXX XXXX XXXX account. Which has opening dates inconsistent. On All three Credit Reporting Agencies Reports. This account is Speedy Cash. Which was sent to XXXX XXXX XXXX XXXX. For collections from Speedy Cash. This account shows on All three of my Credit reports. Okay its inconsistent information. Which means this account should be removed.
Consumer complaint received 2022-03-08
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: Experian Information Solutions Inc. (IL)

XXXX XXXX keeps removing and reapplying accounts to my credit report in violation of the FCRA. I have NO LEGAL CONTRACT with XXXX XXXX and I owe them no debt. They have also not provided full validation as requested. Remove this from my XXXX and Experian reports immediately. Account numbers are XXXX and XXXX
Consumer complaint received 2018-05-24
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. (AL)

XXXX XXXX/XXXX XXXX {$13000.00} This account is being reported without accuracy and consistency. 

For example payment history for XX/XX/XXXX are consistent XX/XX/XXXX, XX/XX/XXXX, skips XX/XX/XXXX, reports for XX/XX/XXXX through XX/XX/XXXX. however then goes to a 30-120 days late for XX/XX/XXXX and XX/XX/XXXX. My calculations for XX/XX/XXXX until XX/XX/XXXX is only one month apart so how is that 90-120 days late?

Then report for XX/XX/XXXX but skips again XX/XX/XXXX - XX/XX/XXXX. Returns only a report for XX/XX/XXXX I have been in deferment since I graduated. I dont understand the inconsistency in this reporting system but it is causing issues on my credit and holding me back from buying my house. 

I have called and expressed to a rep that I graduated in XX/XX/XXXX however she advised me they didn't get the record updates until XX/XX/XXXX. 


XXXX/XXXX XXXX {$18000.00} This is a duplicate account with different amount number and reporting information please delete it from my file or send promissory note confirming is duplication of payments received.
Consumer complaint received 2023-06-13
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. (KS)

I have inquiries passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. 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 that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2018-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diversified Consultants, Inc. (TX)

I submitted a complaint to Diversified Consultants via the CFPB portal last year and received correspondence from them with Ref # XXXX stating that they would remove the collection from my credit report totaling {$2100.00} from XXXX. This collection keeps being deleted and reinserted on my credit report without my knowledge. In the letter, Diversified Consultants stated : " All collection efforts have ceased and XXXX XXXX will receive no further calls from DCI ''. I have attached that correspondence to this complaint once again. What DCI is doing is against the law.
Consumer complaint received 2019-11-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

I was contacted by Navient last XXXX and told I was in default on my student loan. I explained I had only recently left college and that I had filed the paperwork for income based repayment. They told me that I had been in default on their loan for over 10 years and that I had never started repayment. Nothing had ever showed up on my credit report concerning this loan and I had never been contacted concerning this loan or the repayment. 
It took me 3 months to finally get them to follow the guidelines for my income based repayment. I started paying them through direct debit in XX/XX/2019. In XX/XX/2019they attempted to take over {$300.00} out of my account with is 6 times what my normal payment is. When I contacted them I was told it was because I hadn't filled out the paperwork for income based repayment. I explained that it was not time for me to file that paperwork again. 
I have had these issues with them repeatedly and I am concerned because I know that a large portion of what I owe them is interest concerning a loan I knew nothing about for 10 years.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

You are in violation! You broke the law!! I have enclosed all documents which includes ( Previous CFPB Complaint, Copy of Driver License, Identity Theft Report, Statement, & instructions ). PLEASE SEE ATTACHMENTS
Consumer complaint received 2022-07-05
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: Experian Information Solutions Inc. (FL)

I called XXXX on XX/XX/2022 and Experian on XX/XX/XXXX about an account that keeps reappearing on my report after being deleted. Reinsertion goes against FCRA regulations. The account XXXX XXXX XXXX  which reported on XX/XX/2022 is a reinserted account for XXXX. The representatives of both let me know to upload an FTC document in order to get this taken off. It appears that their online uploading tool is not working as the bureaus still keep reporting this account after sending them such documents.
Consumer complaint received 2018-12-22
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. (GA)

I am so confused why XXXX XXXX XXXX is being reported as late when I always make my payments on time. Please take this error off my credit report. It is unfair when I am paying this account on time
Consumer complaint received 2018-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (NC)

I called XXXX XXXX about a debt that was brought to my attention. They made the claim that I had an outstanding debt. They gave me the address and the information about the collection service. XXXX XXXX made the claim that they could not help me on the matter as they have sold off the account to the debt collector. I then proceeded to call Bull City Financial Solutions, which was the company that has the debt collection. The first thing Bull City Financial Solutions told me was that they did not buy the debt from XXXX XXXX when I told them verbatim what I was told from XXXX. They gave me more information and I told them I have never lived at the location that they claimed the account was for. I asked for the dates of service, which were from XX/XX/XXXX to XX/XX/XXXX, in which I was XXXX and still living with my mother while I was a student at XXXX XXXX College.
Consumer complaint received 2020-07-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (NE)

returned some of the equipment in XX/XX/XXXX to XXXX and the rest in XX/XX/XXXX also to XXXX, account not showing all returns bal should be {$540.00} instead of XXXX. I have called and visited the store on multiple occasions to resolve the issue
Consumer complaint received 2019-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (TX)

Homebridge GA failed to pay my taxes for XXXX in XXXX Then they sold my mortgage to there sister company homebridge NJ  and never sent any of the paperwork to them. Homebridge GA told me back in XX/XX/XXXX it get paid in XX/XX/XXXX. Then i discovered they sold my mortgage. Homebridge NJ told me they'd pay my taxes in XX/XX/XXXX. They didn't i had to called them 3 more times before payments were made two of them to XXXX office. they lied to me about when and how many payments were made and it still has an outstanding balance. 

Homebridge GA  has still not sent my paperwork to Homebridge NJ and now my escrow is gone. Seems someone as Homebridge GA  is embezzling money. My escrow has vanished homebridge NJ has informed me i have to pay XXXX $ or get XXXX increase to my mortgage. I can not believe in good faith that this is a mistake. it seems to me that they are stealing money and hiding the paper trail. I have the documents for all the above. I will be filing a complaint to the IRS for tax fraud as well. I contacted NJ state bank and file a complaint there as well. XXXX