davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I had just got a report sent back via email from Transunion and CFPB regarding a matter that STILL is not being taken care of. Transunion keeps reporting the items of XXXX XXXX XXXX which is a car Surrender. We are not disputing the amount that is owed to XXXX XXXX XXXX. We know that it is a collection. We are disputing the way it is being reported. Both items with XXXX XXXX XXXX are CHARGE OFFS. They should be reported as such. I do not understand why it is taking more than two months for this to be corrected. Transunion even wrote it in a letter to you and us that it is a CHARGE OFF but, it is not being reported. It is being reported as opened with a monthly payment. There should be no monthly payment. Again, we acknowledge there is a balance owed. I sent a letter previously to you and Transunion yet this is still something that isn't being corrected and I do not understand why. If it was corrected as a CHARGE OFF, we would have a better chance on obtaining loans. We do know that it is going to be reported as a balanced owed for 7 years. WE JUST WANT IT TO BE REPORTED CORRECTLY AS A CHARGE OFF. Enough is enough already. This is in violation under the Fair Credit Reporting act. It is causing undue stress and anxiety and it effects everyone in the household. Our next step will be to sue for an unresolved Transunion Dispute. We have the right to sue under the FCRA. I am giving them time to correct this action. It has been reported constantly. Nobody should have to deal with this unprofessional practice. Even the CFPB that did the report review previously got the company name wrong we were disputing. THIS IS UNCALLED FOR!
Consumer complaint received 2022-03-07
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: EQUIFAX, INC. (PA)

this company is reporting and allow these company 's to report fraudulent inquiry to my credit. i in no way have willingly given these companies my information and or given permission to take my personal information and now allow it to report on my credit with has financially abused and hurt me! i am disputing these fraud inquiries and want them removed A.S.A.P!
Consumer complaint received 2022-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. I'D REALLY APPRECIATE IT IF YOU UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-03-07
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: 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/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. I'D REALLY APPRECIATE IT IF YOU UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX - Late closed XXXX XXXX XXXX - Charge-off
Consumer complaint received 2018-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX is pulling my credit, sometimes every other day. I don't seem able to cancel and make them stop. They are using various names : XXXX XXXX, XXXX XXXX Interactive, XXXX XXXX XXXX. This has negatively impacted my credit and credit score.
Consumer complaint received 2022-07-24
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

In 2020 we hired a company to purchase and install blinds throughout a new home purchased. The XXXX company didn't finish the job and what they did provide was seriously unacceptable. We tried to contact them many many times with no response. 
We began to get collection bills in the amount of {$5000.00}. When we called the collection company we were getting no response. We'd call and be left on hold for over an hour. 
When we finally got through and explained the problems we had they said they would research. Never got any resolution and found out the XXXX company had gone out of business. When we went to refinance our mortgage we found out the collection agency had filed against us with the credit agencies. I had perfect credit even through Covid-19 I continued to work and was then denied because of this charge from that collection agency. Filed a complaint with all the credit agencies and they said they would check out the issues. Never heard back and then they said all would go away if I just paid the {$5000.00}. I tried to be reasonable but why should I pay for defective and missing product. I am trying to refinance my mortgage in order to buy a a new business and home. I am trying to move on from the terrible position the Covid-19 left all of us in this Country in. This is just not fair. How can we help move this Country on if these collection agencies and mortgage companies just don't care.
Consumer complaint received 2022-03-07
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: EQUIFAX, INC. (SC)

After reviewing my credit, I noticed accounts that are unverified and accounts that do not belong to me. These accounts MUST be removed immediately if you ( the credit bureaus ) do not provide proof that these accounts were opened by me. I want a copy of the documents you used to verify the validity of these accounts. If you do not provide this information in the next seven days ( 7 ). YOU MUST IMMEDIATELY REMOVE THESE ACCOUNTS. 

Collections XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX Ser XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX Inquiries -Rise, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Web Bank/onemain/ Equifax, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXK XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALL NEGATIVE CLOSED ACCOUNTS ARE IN VIOLATION
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2018-04-26
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. (TN)

Creditor XXXX XXXX XXXX has acknowledged in writing ( attached ) that their accounts were reported to my credit file due to an " inadvertent internal error '' and should have been removed. 

Further ; the creditor acknowledged that they never received a payment from me on this account.
Consumer complaint received 2018-08-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

I have disputed Toyota financial off of my credit report multiple times and they still have not taken it off. It has almost been on my credit for seven years and the amount due is not correct. I have spoken with the IRS and toyota filed a XXXX for in the amount of {$3000.00} back in XXXX which is a cancellation of debt which by law means the debt is forgiven. i wa=ant this removed, it is affecting my ability to buy another house, or get a car in my name. I spoke with XXXX ID # SIXW over at toyota who claims there was no form filed with the IRS, but when i speak to them they said it was filed back in XX/XX/XXXX and are mailing me proof of this XXXX form as well.
Consumer complaint received 2020-07-11
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: Dovenmuehle Mortgage, Inc. (NC)

Dovenmuehle Mortgage account was disputed and removed in XX/XX/XXXX from my XXXX  credit report. This was a mistake, at the time of the first reporting account was unfamiliar but in fact valid.This was due partly to the loan being transferred from my previous lender, which I was unaware of at the time of the dispute. Since then, the account has been reported by Dovenmuehle the lender as accurate and updated monthly. Yet, XXXX still continues to suppress this information and essentially blocking the tradeline. As of XX/XX/XXXX account was reporting creating a fico score of XXXX, as of XX/XX/XXXX this information went missing resulting in a lower fico score of XXXX. This is damaging to my credit score and worthiness as a consumer. Covid-19.
Consumer complaint received 2018-08-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: First Associates Loan Servicing LLC (WI)

I received the following e-mail this morning XX/XX/2018 at XXXX XXXX  from XXXX XXXX XXXX. I have two loans through XXXX, only one was affected. 

***Past-due*** We get it, life happens and oversight occurs. We noticed that the payment on your education loan ( s ) from XXXX XXXX XXXX Loans is now at least one payment past due. 

If you have already made your payment, thank you. If you have overlooked making your payment, please send it promptly. You can make your payment online by visiting our web site at XXXX, you can call the number below, or you can mail a check to the address listed below. Check payments, made payable to First Associates Loan Servicing, should be sent in U.S. dollars drawn on a U.S. bank account. Please be sure to write your account number on your check. 

Mail Payments to : First Associates Loan Servicing C/O XXXX XXXX XXXX. XXXX  XXXX XXXX, TX XXXX Please note that under the terms of you loan agreement ( s ) XXXX XXXX XXXX XXXX may charge you late fees on any payment that is 15 days or more past due. 

If you are having difficulty meeting your scheduled payments, you may be eligible for assistance. 

We urge you to contact a servicing team member at XXXX, or visit our web site at XXXX for more details. Our hours of operation are XXXX XXXX  to XXXX XXXX  Monday thru Friday XXXX and Saturday XXXX to XXXX XXXX XXXX. If you have already paid your past due balance, please disregard. 

As required by law, you are hereby notified that we may report information about your account to the credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 

THIS IS AN ATTEMPT TO COLLECT A DEBT. ALL INFORMATION WILL BE USED FOR THAT PURPOSE. 


Sincerely, XXXX XXXX XXXX XXXX Customer Service *************************** ***ACTIONS TAKEN*** *************************** I logged into my account and found that the amount that I owed was {$5.00}. At the time I was setup for auto-payment through their customer website https : XXXX. I tried paying the amount owed through their website, but was unable to as I was setup on auto payment. I called their support number and the support person told me that the amount that I owed had gone up. I had them remove auto pay as their is no use having auto payment if the full amount owed isn't covered and have since paid the amount owed, I was not charged any late fees or penalties, however I think this is a rather deceiving practice and needs to be looked into. Note that this was the first e-mail that I received that the amount that I owed would be going up.
Consumer complaint received 2023-06-12
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. (MS)

I have requested valiadation of debt from XXXX on the two accounts that shows on my credit report on XX/XX/23. I have not been supplied validation of debt and the accounts are still reflected on my consumer report
Consumer complaint received 2022-07-24
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. (MI)

In accordance with the Fair Credit Reporting act 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 DATE XX/XX/2018
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

On XX/XX/2024 I sent an investigation request letter to all 3 Credit Bureaus : Experian, XXXX, and XXXX to check if the account ending in # XXXX is listed and being reported 100 % correctly on my report. 

The Credit Bureaus stated the account XXXX # XXXX was properly investigated and updated but how is that possible if the date opened is incorrect as well as the date last reported, the date last active and also the date of the last payment. 

According to the FCRA by law I have the rights to challenge anything that isnt correct on my credit profile. 

The law states a consumer reporting agency can not furnish an account without my written instructions. 

I havent given these accounts written permission to furnish these accounts on my credit report.
Consumer complaint received 2019-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

Although my credit report correctly reflects payments made on time for each month within my credit file, Experian continues to report a negative payment status and negative worst delinquency of 120 days past due for XXXX XXXX XXXX Acct # : # XXXX. I am not sure if Experian has somehow merged my information with someone with a similar name or birthdate that also happens to have an account with XXXX XXXX XXXX, but the negative status and worst delinquency information that continue to be reported by Experian are erroneous and damaging to my credit scores. When this account was open, payments were always made on time. This account has never been paid late and I have requested on multiple occasions ( in writing ) that Experian make the necessary corrections to their records, with no resolution. This erroneously negative information has caused far-reaching consequences to my credit scores as it pertains to credit that has been extended to me or oftentimes denied.
Consumer complaint received 2018-04-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

Multiple contacts were made to Loancare regarding the discrepancy with my mortgage payment. I have been left on hold and told that a request to reanalyze my payment would be completed but nothing has been done. It has been 2 weeks when I was promised 5 days.
Consumer complaint received 2022-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This is a follow-up complaint regarding Capital One response letter on XX/XX/XXXX to the CFPB Complaint ID : XXXX. I am still requesting Capital One to actually investigate the missing fund of a {$2000.00} check I deposited on XX/XX/XXXX via Capital One mobile app.

First, I tried to call the number provided in the letter three times ( as I was told to call it if I wanted to discuss in details ) between XX/XX/XXXX and XX/XX/XXXX. Nobody picked up and I left voice messages as instructed every single time. There is still no calls back ever since. 

Second, in the response letter, Capital One asked for the source information of the Paid Cash Letter from the paying bank. Please find the Paid Cash Letter from XXXX attached. Please note, I also attached the same letter to my original CFPB Complaint ID : XXXX, so I dont understand why I was asked to provide again. If it is not forwarded, please provide an email address or mailing address in your response letter this time, so I can mail it directly. 

Third, Capital One responded that my check deposited on XX/XX/XXXX was rejected due to a missing signature. Attached please find the check e-image on the paying bank app on XX/XX/XXXX where signatures could be seen on both front and back with the XXXX bank stamp showing Capital One as the receiver. Again, I also did provide this image in my original CFPB Complaint ID : XXXX, so not sure why it was not being looked at.
Consumer complaint received 2022-03-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (TX)

Collection is not from original creditor. I do not owe Americollect- account # ( XXXX ) in an amount of {$250.00}. I never heard of Americollect. Americollect does not have a contract with my signature.
Consumer complaint received 2021-06-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Commencing on or about XX/XX/2020, I fell victim to a multilayered scam operation orchestrated by XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 

Money was transferred from my account via credit/debit card and through an intermediary named XXXX and XXXX in the total amount of XXXX USD utilizing Capital One services.
Consumer complaint received 2016-05-20
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

In XXXX or XXXX we contacted our second mortgage company requesting a modification with regard to our second mortgage with USAA Federal Savings Bank, the bank advise us that we did not need to request mortgage modification in order to maintain our lower interest rate due to the SCRA. We were to obtain a modification on our first mortgage with XXXX XXXX XXXX mortgage. USAA Federal Saving Bank is telling us they are not offering any modification or refinancing regarding our secondary mortgage in order to lower higher current rate now of 8.5 %, after they told us we did not need to, and our rate would remain at 4 %.
Consumer complaint received 2022-07-24
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital one lost the payoff check and marked me 30 days late for two consecutive months. XXXX and XXXX of XXXX. The dealer has record of the check being cashed in XXXX. I sold it to them ( XXXX  XXXX XXXX in XXXX, mi ) on XX/XX/XXXX. I lost over 100 points and capital one now just disconnects me whenever I try to call and get it rectified. I've tried more than 10 times which is completely rediculous. How can a company mark you late after they receive a payoff. This a blatent abuse of power and gross display of ignorance on their behalf to not even acknowledge that they made huge mistakes throughout the process.
Consumer complaint received 2018-08-07
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: EQUIFAX, INC. (LA)

Equifax is violating the FCRA by not blocking and removing fraudulent accounts!!! I have sent in police reports and ID THEFT affidavits and troves of other supporting documents clearly showing this to be the result of ID THEFT, All I keep getting told it that they are begin verified as belonging to me!!! How can this be when the other agencies have removed these fraud accounts with the supporting documents? Equifax needs to follow the law and remove the following!!! 
1.XXXX XXXX XXXX Account XXXX XXXX Date Opened XX/XX/XXXX Balance {$10000.00} 2.XXXX Account # XXXX Date Opened XX/XX/XXXX 3.XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Equifax has also ignored a XXXX complaint that I filed against them by saying that my info does not match even though I sent them the required documents verifying my ID>
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. (GA)

My Information was sold and bought illegally because I was a victim of the XXXX data breach. This resulted in numerous fraudulent accounts being opened due to Identity theft, I want these items Deleted from my credit report effective immediately. I am attaching proof that XXXX has admitted that I was a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

The name should be listed as XXXX XXXX XXXX XXXX. 

The current address is XXXX XXXX XXXX  XXXX, XXXX, GA XXXX Accounts listed in error : Name XXXX XXXX Account XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX  Account XXXX XXXXXXXX XXXX