davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: McNeil & Meyers Asset Management Group, LLC (SC)

McNeil & Meyers has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to ensure the accuracy of the information given by McNeil & Meyers Receivab before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or McNeil & Meyers to furnish any late payments to my consumer report. It is my belief that due to McNeil & Meyers business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Consumer complaint received 2022-07-23
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. (MI)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again.XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2020-07-29
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (OH)

I have been trying to correct my incorrect credit score with EXPERIAN and XXXX since XX/XX/2020. I have sent 2 certified letters, made countless phone calls taking hours, and did not achie ve a correction. I also hired an attorney, who also could not achieve a correction. Here is the issue ; I have 3 s core factors " helping '' and 2 score factors " hurting '' my credit score on BOTH EXPERIAN AND XXXX On XXXX, I have 4 score factors " helping '' and 0 score factors " hurting. '' THIS NOTATION IN XXXX IS CORRECT. NOW : when I reach out to XXXX AND EXPERIAN to   rectify this wrong, all they keep doing is send me my credit report, and claim that it is correct as it stands. THE ISSUE IS, I AGREE THE CREDIT REPORT IS CORRECT AS IT STANDS. BUT, THE 2 FACTORS HURTING MY SCORE ARE " SERIOUS DELINQUENCY OR DEROGATORY INDICATOR '' AND " FEW ACCOUNTS IN GOOD STANDING. '' SO WHEN I GO TO MY REPORT TO FIND A DELINQUENCY OR DEROGATORY INDICATOR, THERE ARE NONE AT ALL! THIS IS WHY I AGREE WITH THEIR FINDINGS, MY REPORT HAS ABSOLUTELY NO DELINQUENCY AND NO DEROGATORY MARKER AND ALL MY ACCOUNTS ARE IN GOOD STANDING. BOTH EXPERIAN 'S AND XXXX XXXX  CREDIT REPORTS REFLECT THIS ACCURATELY, BUT WHEN I LOG IN TO MY PAGE, THEY ARE STILL NOTING " 2 SCORE FACTORS THAT ARE HURTING MY SCORE. '' YET, THEY CAN NOT PROVE THIS ANYWHERE. HENCE, MY EXPERIAN CREDIT SCORE IS XXXX, AND XXXX IS XXXX. For reference, XXXX which got it ALL CORRECT awards me with a score of XXXX. I feel my scores from EXPERIAN at XXXX and XXXX at XXXX ARE INCORRECT. I NEED MY SCORES CORRECTED AND MY 2 " HURTING '' SCORE FACTORS REMOVED, AS THEY DO NOT EXIST. Again, my credit report is CORRECT from all 3 credit bureaus, but EXPERIAN 's and XXXX XXXX score factors and scores are INCORRECT, as they do not reflect EXCELLENT CREDIT HISTORY EVEN THOUGH MY CREDIT REPORTS ACCURATELY REFLECT EXCELLENT CREDIT HISTORY. 

Please forgive my accentuation with the caps. I have gone through months and countless hours trying to get through to someone, and no one gets it on the end of the credit bureau. THIS IS AFFECTING MY LIFE in getting car loans and applying for a pre-approval for a mortgage to potentially purchase a home. It is not right when my score is incorrectly reflecting poorly on my EXCELLENT HISTORY. 

Thank you endlessly for any and all consideration.
Consumer complaint received 2018-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (WA)

This is a follow up to Equfax 's investigation to complaint number XXXX regarding XXXX XXXX XXXX. 
Equifax 's response exceeded the 30 day window to verify items listed on my credit report. 
This compliant was submitted on XX/XX/XXXX. Equifax responded on XX/XX/XXXX, ( 60 days after complaint ). 
Also, Equifax 's response failed to address the complaint. My complaint was that the Mortgage lender ( XXXX ) exceeded 30 days in verify my inquiry to XXXX in XX/XX/XXXX. Equifax 's response said that they were able to verify the report, but did not address the timeliness.
Consumer complaint received 2018-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (NY)

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you
Consumer complaint received 2018-10-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (AL)

I filed a complaint ( complaint number XXXX-XXXX ) on XXXX XXXX. They is listed on my credit report as a collection company and i have the right to ask them to validate the debt according to FDCPA and they didnt. ERC have been a collection company trying to ruin individuals lies by placing false accounts on consumers credit report.I have attached their response so the cfpb can see all the lies and non compliant incorrect information they attached to the last complaint. 1. ) They said they agency is not a debt purchaser but it clearly say on my credit report they is a collection company first violation 2. ) If they service the account their behalf they purchased the account and was paid by whoever to collect on it so another violation. 3. ) they said erc is in compliance which is not true because they collecting on a debt and they acting as if they is not. 4. ) they said the contract with be with XXXX and not them well XXXX should collect on it and not them when they placed that collectionaccount on my credit report they are collecting on it so another violation 5. ) I clearly stated i do not have an account with erc so they flipped the complaint around acting as if i need a fraud packet and i dont because i am correct i do not have an account listed with erc and they need to delete this incorrect information from my credit report i do not have an account with erc
Consumer complaint received 2018-05-10
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)

XXXX has reported me 90 days late on my credit report twice on my credit report when they were unable to contact me about my loan deferment has ended. I have disputed this information twice but they continue to avoid correcting my credit report and they levy fees that are not interest related.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

Collections accounts that dont belong to me I have dispute and havent been removed, accounts that was fraudulent open that dont belong to me and companies refusing to remove such accounts and not providing sufficient information to me about this accounts or providing where these accounts was properly opened.
Consumer complaint received 2018-05-10
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. (TX)

TransUnion has wrong personal information that list my addresss being in XXXX Texas. I have never lived there. Known addresss XXXX XXXX XXXX XXXX XXXX tx XXXX.
Consumer complaint received 2018-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NC)

As a college student I borrowed Federal Aid from the years XX/XX/XXXX - XX/XX/XXXX. In total, about {$22000.00}. My loans went into repayment in XX/XX/XXXX. I was informed that due to my gross income, I had qualified for income based repayment and have been on the payment plan ever since. My issue is that I have only ever signed an application that did not disclose the terms or consequences of choosing an income based repayment plan, which has now incurred an additional {$10000.00} in principal balance owed. I want to know why a mortgage loan requires 100 pages of disclosure and a truth in lending/loan estimate to be signed, but there are no documents that indicate A ) your monthly payment may not be high enough to pay the interest that accrues on your loan each month, B ) the unpaid interest will be capitalized to your loan balance, thus increasing the principal amount owed, and B ) when your balance is finally " Forgiven '' the amount that is forgiven needs to be claimed as income on your tax return. I have gone through all of my paperwork since XX/XX/XXXX and can not find any piece of paper that acknowledges these items. I feel I was taken advantage of by this servicer in a financial hardship which has snowballed my financial trouble. I spoke with " XXXX '' today who was extremely rude and told me to " relax '' and to " Just keep paying since my balance will be forgiven, '' When I called him out on having to claim the charge off on taxes and that although I keep paying my balance will increase since the payment will not cover interest, he said my other option was to just go back to standard repayment. ( At $ XXXX/month ) I feel that numerous lending laws have been violated in the lack of disclosure of the terms of this repayment program. I want this investigated and I do not want to be responsible for an additional {$10000.00} that I never signed a Note to Borrow.
Consumer complaint received 2018-12-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (PA)

I havent heard anything back from Bridgecrest I asked to speak to a supervisor and I was left on hold the vehicle just got out of the shop I wasnt able to make it to work because of the up and down with payment for the repairs for XXXX $ I had to pay XXXX $ because of this matter I lost my job because the job was a hour 1 1/2 away from home and I couldnt make it into to work because we didnt know when the repairs were going to be pay for by XXXX  XXXX. I was trying to get in touch with Bridgecrest to see if we could set up a payment agreement and arrangements to pay car note While I attend my job placement classes I attend with welfare department I applied for public assistance which is only XXXX $ twice a month.
Consumer complaint received 2018-05-10
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 filed chapter XXXX in XX/XX/XXXX. Unbeknownst to me at the time, I was not required to make any student loan payments outside of my bankruptcy as it was not included in my schedules. I was in school at the time of filing so was not required to pay. I became delinquent in XX/XX/XXXX, but again I should have not been in a repayment status due to the chapter XXXX. I have contacted XXXX 3 times in regards to this matter and they reply that I applied for forbearance after the delinquency, ignoring the fact that I should not have been in repayment at that time.
Consumer complaint received 2018-05-10
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: Nelnet, Inc. (GA)

I filed chapter XXXX in XX/XX/XXXX. Unbeknownst to me at the time, I was not required to make any student loan payments outside of my bankruptcy as it was not included in my schedules. I was in school at the time of filing so was not required to pay. I became delinquent in XX/XX/XXXX, but again I should have not been in a repayment status due to the chapter XXXX. I have contacted XXXX 3 times in regards to this matter and they reply that I applied for forbearance after the delinquency, ignoring the fact that I should not have been in repayment at that time.
Consumer complaint received 2018-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (AL)

I have a problem with my driving history report. 

First problem is that I'd got a ticket for speeding at XX/XX/XXXX and it appears two times in my driving history report. One of them should be removed from my driving history report. 

Also, at XX/XX/XXXX, when I was waiting at traffic lights, a driver hit my car from back side and immediately run away. It was late night and I couldn't see if there was a damage in my car or not. I called police just in case and she gave me report. Then I checked my car and saw that it is not a big problem, only little scratches. I did not even report it to my insurance company. I'm being shown as mistaken on this accident in my driving history report. 

I'm a graduate student and driving for XXXX and XXXX at weekends. Both these company suspended my account. Please help me about this problem.
Consumer complaint received 2022-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX, and I'm including it again. 


DEPTEDXXXX XXXX Balance Owed : {$1100.00} ; DEPTEDXXXX XXXX Balance Owed : {$3100.00} ; DEPTEDXXXX  XXXX Balance Owed : {$3000.00} ; DEPTEDXXXX XXXX Balance Owed : {$2900.00} ; DEPTEDXXXX  XXXX Balance Owed : {$5000.00} ; DEPTEDXXXX XXXX Balance Owed : {$7900.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$1100.00} ; DEPTEDXXXX XXXX Balance Owed : {$2300.00} ; DEPTEDXXXX  XXXX Balance Owed : {$4000.00}
Consumer complaint received 2023-08-11
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-02
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. (CA)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$1300.00}, XXXX XXXX XXXX XX/XX/XXXX {$520.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$6100.00}, Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX Asset Amount : {$0.00}. XXXX : XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2018-12-06
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. (DE)

I had a mortgage with XXXX. In XX/XX/XXXX, I entered into a loan modification program ( attached ). My first new payment was XX/XX/XXXX.  The schedule of payments due is detailed in the attached documentation. I made ALL PAYMENTS on time during this program ... .yet the bureaus indicate past dues in each of those months ( XX/XX/XXXX through XX/XX/XXXX with the delinquency accelerating all the way to 90 days past due. 

This is a violation of my federal rights for bureaus to report incorrect information. I disputed this and they left it on my file.
Consumer complaint received 2018-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (OH)

I reported my card missing to the bank by phone and by mail. I also gave them the fraudulent individual charges that were made. They said they would investigate. They sent me a new card. I received a letter telling me that since I was present the charges were valid. I of course was not present and no-one authorized made the charges. I sent the bank a letter requesting all the documentation they relied upon to determine their conclusion, specifically the signed receipts with my containing my signature. To date they have not produced the request, they continue to bill me for the fraudulent charges, and are reporting negative information to the credit bureaus. The amount involved totals {$4600.00}. My account number ends in XXXX. My request for information was made to them pursuant to the provisions contained in the Federal Fair Credit Billing Act.
Consumer complaint received 2018-05-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (TN)

I was reviewing my credit report and discovered that this company has reported that I owe them a debt I have never received any notice from this company and my rights were violated. I have never entered into a contractual agreement with this company nor have they provided me any goods nor services
Consumer complaint received 2018-05-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MO)

Paypal will not allow me to withdrawal or access {$6400.00} XXXX in my PayPal account. I did not violate ANY PayPal policies. They simply decided they did not like my business but that is not an acceptable reason to withhold a consumer 's funds. I believe they are subject to US laws regarding financial institution funds availability practices and withholding my funds is illegal, as well as unethical, and immoral. They are a multi-billion dollar company and there is no reason to be holding any member of the public 's lunch money for half a year.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I sent over the official FTC report for identity theft to XXXX, they didnt delete the information, I will send the official FTC report of identity theft in this document. I also will include valid identification documents my social security card and a utility bill with my name and address on it. Once they get this information they need to immediately delete and stop reporting this information. I will also include the reference number to FTC report so they can look into this as confirmation that its the official document.