davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: LEXISNEXIS (TX)

LexisNexis Opt-Out Form Confirmation XXXX Thank you for your interest in the LexisNexis information suppression program. Your request to have information suppressed from publicly facing public records products has been received and is in process. Please note that it may take up to 30 days to suppress your information from LexisNexis products and services. 

Please note that your information will remain in the following products and services : restricted public records products which are available to commercial and government entities that meet LexisNexis credentialing requirements and are used to detect and prevent fraud, enforce transactions, perform due diligence, and other critical business and government functions ; products regulated by the Fair Credit Reporting Act ; third party data available through real time gateways ; news ; and legal documents. 

This suppression request does not expire, and LexisNexis will attempt to suppress all of the information available based on the information you provided in your request. Due to the variations in personal information contained in public records, or insufficient or inaccurate information provided in a request, it is possible that personal information about you may be reintroduced to LexisNexis products in the future. If you become aware that your personal information is available through LexisNexis publicly facing products in the future, please notify the LexisNexis Privacy Hotline and the issue will be investigated so that we may take appropriate action. 

Should you have any questions regarding this confirmation notice, please contact the LexisNexis Privacy Hotline at XXXX. 

Enter another suppression request ... 






filed to not have public records
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AFNI INC. (UT)

XXXX # XXXX is reporting a collection account that I should not owe to my credit. This was for a set of furniture I never received and now they are trying to collect on it. I do not owe this, I never received the furniture this was for and I should not owe money on something I did not get. This needs to be deleted off of my credit.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 


XXXX XXXX
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (IN)

Swiped the CASHAPP card at XXXX XXXX XXXX ( hotel chain ) @ XXXX pm est XX/XX/XXXX it came back declined, they asked me to check my account balance and it showed {$150.00} as pending. I called Cashapp and they told me I had to wait 14 days to get my money back onto my account or submit a letter, they declined my first letter with no explaination why told me I still had to wait and hung up on me not answering my questions. I reviewed the email request for the letter from them and asked the manager at XXXX to be more detailed, sent him the letter from Cashapp and he resent a new letter that I forwarded to Cashapp. Nothing was done so I contacted the cashapp support via chat got the same result that no one could help me I had to wait 14 days, they refused to respond to any of my questions about the letter and the fact that I did what I was to do and they kept ending the chat. I waited until XX/XX/XXXX and XX/XX/XXXX with the last phone call resulting in that it was sent to a special team no date on when it would be resolved, no one in that department to talk to, no manager to talk to, and that both would respond via email. I got an email from them on XX/XX/XXXX at XXXX pm, in response to the email with the attachment with the letter, that they are closing the case that they have provided me with as much information as possible to help resolve the issue. I still havent gotten my money back or contact from a manager.
Consumer complaint received 2018-12-31
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: Commonwealth Financial Systems, Inc. (GA)

COMMONWEALTH FINANCI {$240.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... account was settled with original creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I am writing to complaint the following information that XXXX XXXX XXXX XXXX supplied to Experian, XXXX and XXXX credit bureaus ; whose report has incorrect information that has not been updated in reference to Account ( XXXX opened XXXX XXXX ) that I previously had with XXXX. 

Prior to the Pandemic I had an Impeccable Payment history 800 credit score, I value being a financially responsible client. However, during XXXX I suffered from a major hardship, I had a great death in my family, and I lost my former husband, who at the time was my primary source of income. I also was laid off from my Job due to major cutbacks. Being a Widowed wife and a mother of XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. In XXXX I reached out to XXXX XXXX in reference to this account that I had at the time and requested Hardship options, I agreed to do a settlement with your company, hence each account was paid. I was informed that the account would be kept current, no late payments will be reported due to me agreeing to settle the account. According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I contest that XXXX XXXX remove all late payment history as soon as possible to be in compliance with the federal law. To ensure that creditors adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amend Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during XXXX XXXX. ( 15U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) This has been an ongoing issue. I have reached out to them in XXXX, XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts remain the same inaccurately Late Payment history.

Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed late payment items as soon as possible.
Consumer complaint received 2019-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

XXXX continually reports incorrect information on my Equifax credit report for the Date of First Delinquency ( DOFD ). They currently show the DOFD as XX/XX/XXXX which I have disputed with the CRA and XXXX multiple times to no avail. According to the FCRA 623 ( a ) ( 5 ) ( A ) When you refer an account for collection and notify a CRA that you have done so, you also must report the date of delinquency to the CRA within 90 days. The date of delinquency is the month, and year the consumer 's delinquency resulting in the referral began. This first delinquency leading to charge off was XX/XX/XXXX when I first became delinquent ( 30 days ) leading up to a charge off status NOT XX/XX/XXXX ( the date of charge off status ) as they continually report knowing it is, in fact, inaccurate and a violation of the FCRA.
Consumer complaint received 2020-02-05
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. (WA)

This is the second time disputing an item on my credit that was not verified or accurate. I have given sufficient evidence that the bankruptcy court states that they do not furnish any data anyone or any credit bureaus. I recently put a security freeze on my XXXX report and submitted another dispute letter. Trans Union responded with the item was verified. That was a blatant lie. The couldn't have verified it with XXXX because the was a security freeze on my file/report. Who did they so-call verify the the items with? 

Attachments : Letter from Bankruptcy Court Disputed Letter Proof of Receipt of Letter Response From Trans Union XXXX Security Freeze Letter
Consumer complaint received 2023-06-23
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: Experian Information Solutions Inc. (TX)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

They have put a collection on my credit file. The debt they say that I owe has been paid. The company asked me to sent them the copies of the money orders that I paid them with. I did send the money orders. I have repeatly spoke to them ; my sister as well spoke to them and told them that this bill was paid. They asked my sister to even fax then the money order receipts ; my sister did faxed. I do not owne them and they are trying to get me to pay double.
Consumer complaint received 2018-12-31
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)

XXXX XXXX XXXX {$630.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... account was settled with original creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2019-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MO)

USAA continually reports incorrect information on my XXXX credit report for the Date of First Delinquency ( DOFD ). They currently show the DOFD as XX/XX/XXXX which I have disputed with the CRA and USAA multiple times to no avail. According to the FCRA 623 ( a ) ( 5 ) ( A ) When you refer an account for collection and notify a CRA that you have done so, you also must report the date of delinquency to the CRA within 90 days. The date of delinquency is the month, and year the consumer 's delinquency resulting in the referral began. This first delinquency leading to charge off was XX/XX/XXXX when I first became delinquent ( 30 days ) leading up to a charge off status NOT XX/XX/XXXX ( the date of charge off status ) as they continually report knowing it is, in fact, inaccurate and a violation of the FCRA.
Consumer complaint received 2018-12-31
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: Jon Barry and Associates, Inc. (GA)

XXXX XXXX XXXX {$630.00} I challenge the accuracy, compliance and reportability of these listings.

There is no valid claim ... account was settled with original creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX  or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2018-12-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Ive had an excellent credit score in excess of 750 for the last several years and somehow my credit score has dropped 94 points to the mid 650s with no explanation reflected on the report. I would like my credit score fixed. 

Thank you.
Consumer complaint received 2021-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (TX)

XXXX Opt-Out Form Confirmation XXXX Thank you for your interest in the XXXX information suppression program. Your request to have information suppressed from publicly facing public records products has been received and is in process. Please note that it may take up to 30 days to suppress your information from XXXX products and services. 

Please note that your information will remain in the following products and services : restricted public records products which are available to commercial and government entities that meet XXXX credentialing requirements and are used to detect and prevent fraud, enforce transactions, perform due diligence, and other critical business and government functions ; products regulated by the Fair Credit Reporting Act ; third party data available through real time gateways ; news ; and legal documents. 

This suppression request does not expire, and XXXX will attempt to suppress all of the information available based on the information you provided in your request. Due to the variations in personal information contained in public records, or insufficient or inaccurate information provided in a request, it is possible that personal information about you may be reintroduced to XXXX products in the future. If you become aware that your personal information is available through XXXX publicly facing products in the future, please notify the XXXX Privacy Hotline and the issue will be investigated so that we may take appropriate action. 

Should you have any questions regarding this confirmation notice, please contact the XXXX Privacy Hotline at XXXX. 

Enter another suppression request ... 






filed to not have public records
Consumer complaint received 2019-03-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: FIRST CONTINENTAL MORTGAGE LTD (TX)

I have attempted for over 1 year to get my escrow account removed since First Continental Mortgage 100 % completely messed up my escrow account since they did not properly do an assessment in early XXXX. I am done with this and this complaint BETTER BE HEARD AND SOMETHING BETTER BE DONE ABOUT IT THIS TIME FROM THE CFPB!!! This is my second complaint and NOTHING was done the first time. I was told by First Continental Mortgage that I could have my escrow account removed after XXXX XXXX and after SEVERAL attempts they still have not removed it. I have been forced to make late payments of {$120.00} for the last 3 months now and this needs to be credited back and the escrow accounts needs to removed or the CFPB and First Continental Mortgage are going to be responsible for a Veteran losing his home. LAST CHANCE, GET THIS ESCROW ACCOUNT REMOVED!!! Also take not I made a mortgage payment on XX/XX/XXXX and the automated system did not account for the late payment and I am unable to make any type of payment online and or on the phone again so I better NOT get a 30 day late payment due to the late payment not being apart of the automated system when they took my payment. This mortgage servicing company is XXXX! and if this better be resolved IMMEDIATELY!! REOMVE THE XXXX ESCROW ACCOUNT FOR THE 100TH TIME!!!!!
Consumer complaint received 2018-12-31
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. (NJ)

Ive had an excellent credit score in excess of 750 for the last several years and somehow my credit score has dropped 94 points to the mid 650s with no explanation reflected on the report. I would like my credit score fixed. 

Thank you.
Consumer complaint received 2019-01-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (MI)

Consumer : XXXX XXXX Property Address : XXXX XXXX XXXX, XXXX-MI XXXX Loan Servicer : Ditech Financial LLC Loan # XXXX Complaint : Fraudulent/Illegal Default Notice on Loan & trying to initiate Foreclosure I am a XXXX   father with XXXX children, Ditech is  trying to push my loan into foreclosure without any legal basis & push me out of my home! right at XXXX time! 

On XX/XX/18 I received a default notice from Ditech Financial LLC on loan # XXXX on behalf of XXXX XXXX XXXX XXXX, stating that my loan was in DEFAULT due to 3 missed payments for XXXX, XXXX & XXXX. 

I have not missed any payments & I have the USPS " Certified Return Receipts '' signed & accepted by Ditech for the 3 months. I also have the USPS Money Order Stubs in the amount of the payments to prove that Ditech received & signed for the payments. 
I have attached the copy of Ditech letter, payment stubs & Certified signed return receipts showing that Ditech received & signed for my payments for XXXX, XXXX & XX/XX/2018. 

Ditech has in the past done exactly the same type of fraudulent attempt to push my loan into foreclosure. This is pure harassment & predatory servicing practices that I have faced from Ditech in the past as well.