davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I am not liable for this debt with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  and I do not have a contract with PORTFOLIO RC plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$510.00}
Consumer complaint received 2022-12-16
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. (LA)

I have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.
Consumer complaint received 2021-11-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Bread Financial Holdings, Inc. (VA)

BJs charged an annual membership fee to a Mastercard that is under my social security number without my permission and the card was never activated. Therefore I had no knowledge of the charge. BJs charged late fees to the card and later closed the account for non payment that I did authorized which severely affected my credit score. BJs have since reversed the charges but the negative information is still affecting my credit score. Please remove the negative information from my credit report. Thank you in advance for your assistance.
Consumer complaint received 2021-11-14
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: LEXISNEXIS (VA)

Lexis Nexis is reporting unauthorized inforomation on my behalf. Under the law permissable purpose any consumer reporting agency may furnish a consumer report under the following cicumstances and no other. This company is reporting a bankruptcy. In accordance with the written instructions of the consumer to whom it relates. This is under the US code 1681b ( a ) ( 2 ) Permissible Purpose. I have not given Lexis Nexis any permission to do the following. Lexis Nexis is reporting information to XXXX and XXXX which is in direct violation to me according to the above stated law. Due the violation of this law XXXX and XXXX are also in violation of this law. Failure to have this information deleted will result in me filing a law suit.
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

There is proof that your credit reporting agency did not do a reasonable investigation. Your agency also did not investigate the challenge stated in my letter ( s ). Which means your agency is not operating in compliance despite other consumer reporting agencies deleting the account ( s ) in question.
Consumer complaint received 2019-07-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION (NY)

I opened a dispute with M & T bank for 4 transactions that i did not recognize. Claim number : XXXX. Card ending in XXXX. All 4 transactions were done on the same day on XX/XX/XXXX. M & T bank honored 3 of the 4 transactions. The 4th transaction that M & T bank did not honor was for XXXX for the amount of {$130.00}. The reason for the denied transaction was my email was found on " XXXX XXXX XXXX  ''. I used XXXX  XXXX in the past and the phone numbers are not that accurate let along emails. Also was stated because i have used XXXX group on XXXX XX/XX/XXXX that my XXXX transaction must be me. I have never used XXXX group before. Why would 3 out of the 4 transaction be honored and the 4th denied if they all happened on the same day.
Consumer complaint received 2018-09-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRINITY HOPE ASSOCIATES (NC)

Trinity Hope Associates recently reported two medical collections on my credit report. Prior to the collection agency reporting the accounts ( which were paid by insurance ), I never received a notice of my right to dispute. This is a violation of my rights under the Fair Debt Collection Practices Act.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 



I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX Delete account for failure to perform an investigation per fcra regulation XXXX XXXX Delete account for failure to perform an investigation per fcra regulation XXXX XXXX XXXXXXXX Delete account for failure to perform an investigation per fcra regulation XXXX XXXX XXXX XXXX account for failure to perform an investigation per fcra regulation XXXX  XXXX XXXX XXXX Delete account for failure to perform an investigation per fcra regulation * Please remove all non-account holding inquiries over 30 days old. 

* Please add a Promotional Suppression to my credit file.

also in accordance with the fair credit reporting act convergent the accounts listed above have 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. 



Thank You, XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX  {$17000.00} XX/XX/XXXX XXXX XXXX, XXXX {$5100.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$760.00} XX/XX/XXXX XXXX XXXX XXXX {$990.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$300.00} XX/XX/XXXX XXXX {$1400.00} XX/XX/XXXX I have not supplied proof under the doctrine of estoppel by silence , Engelhardt V. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Anytime I apply for credit. It comes back denied because excessive delinquent payments. Since my bankruptcy discharged Ive only had XXXX account that was delinquent for XXXX day late payment. 
Should not be any other issues.
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (AL)

I paid my payment to Apple in XXXX at the end of the month. 
I received an email from Apple which I will send to you with this dispute saying that due to a system error my payment was mistakenly not applied for my XXXX payment and that they were updating my XXXX status to current. 
Well, they still reported me as late even though I have an email saying it was their fault and they would change it. It made my credit score go down a ton and I am in the process of buying a house. I called and they are not helpful and act like they have no idea how to fix it. literally have an email from they admitting it was their fault so I want justice. 
I lost a parent to XXXX and had XXXX  myself in XXXX and I had to borrow money to pay them. I DID and THEY made a mistake and need to fix it. 
This doesn't just impact me but my kids and husband who may lose our new home due to APPLES mistake.
Consumer complaint received 2021-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have a signed agreement stating that the account would be closed and reported as paid in full. It still says I owe a balance. They are legit trying to steal from me, I have proof and previous XXXX  conversations. 


They updated it XX/XX/XXXX stating that I still owe half of the balance. I have attached their PDF to me, and I attached their statement to the XXXX. 


They are trying to extort me out of more money because I told them I am in the process of buying a house, this is predatory
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (FL)

I have submitted numerous disputes with XXXX, XXXX and XXXX regarding an alleged bankruptcy chapter XXXX Case Number XXXX. This has been an on going issue since XX/XX/2021 and its now XX/XX/2021 and still no resolution. Lexis Nexis is the company who initially reported this inaccurate bankruptcy to the credit bureaus. Lexis Nexis has advised me that they have deleted this inaccurate bankruptcy from my consumer file however every time I file a dispute with XXXX, XXXX and XXXX they say this alleged bankruptcy has been verified as accurate with there 3rd party data furnisher Lexis Nexis. I have contacted Lexis Nexis several times to resolve this matter and have asked them to contact the credit bureaus by phone and mail and they refuse to. They keep telling me the alleged bankruptcy is deleted from my consumer report however the credit bureaus keep telling me that Lexis Nexis is verifying this alleged bankruptcy as accurate with them. I am stuck between the credit bureaus and Lexis Nexis and I am tried of going back and fourth with them. CFPB I need your help to get this matter resolved as soon as possible. This inaccurate item has ruined my reputation. If you look back on my previous complaints this has been an ongoing issue. Please delete this bankruptcy from my Lexis Nexis, XXXX, XXXX and XXXX credit file immediately as this is inaccurate.
Consumer complaint received 2021-11-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

My wife and I have an Inpounded Account with LakeView Loan Services, LLC. Our home insurance, XXXX XXXX XXXX, informed us that our lender did not pay the yearly renewal that was due XX/XX/21.
Consumer complaint received 2016-03-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX dob XXXX/XXXX/XXXX SS # XXXX XXXX XXXX has agreed to remove both unauthorized inquires from my Transunion report. I did not apply and have no credit with these people. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX my id is attached please verify my signature
Consumer complaint received 2018-09-18
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. (TX)

The account with XXXX XXXX XXXX account # XXXX ending in XXXX is closed and charged off. There should be no DELIQUENCY AFTER A CLOSED DATE ... ..So how is this ever late or past due? On any of these reports. I have provided proof and documents that this has been reporting inaccurately for months. I have been disputing it mulitple times not only with the creditor but with the credit reporting agencies and they have come back and said they have verified that this is accurate but not addressing the concerns of the disputes. Well i do have rights and according to FCRA 623 Duty of Furnishers of Information to Provide Accurate Information at all times. This has not been the case for me concerning this account with Experian and XXXX. Please see attached inaccuracies with mulitple request of disputes to verify the information that was provided by the creditor. 
how was XXXX payments received on a 4 month term loan? 
How is there a payment amount due? 
why are there 3 different amounts on all different bureaus? 
why is this charged off and closed and past due at the same time? 

This has caused me so many issues in the last year that i cant express how thankful i am to finally get help with one bureau, now can you assist with the illegal activity that is being done with the others.
Consumer complaint received 2021-08-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

This is my 3rd complaint with the CFPB in regards to the information that is on my credit report, once again I have been denied credit due to whats showing on my credit report, I will share the number that the creditor has compared to what Experian is reporting. This is problematic because my EIDL loan was also denied, if someone from Experian doesnt fix this I will be speaking with an attorney regarding defamation & incorrect as well as inaccurate information
Consumer complaint received 2023-05-22
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: ALLY FINANCIAL INC. (TX)

Have disputes these invalid and incorrect Hard inquiries from my credit report and there a still showing present in my current report. 
I have spoken to those company and they don't have my information on record. I have also already disputed this information as it was a show in vaild with two on the credit bureau agency. Im am having to resubmit this form as i am currently having a problem with getting these inaccuracies removed Date : XX/XX/2022 Company : XXXX financial Address : XXXX XXXX XXXX XXXX XXXX AR XXXX Date : XXXX XXXX Company : XXXX XXXX, XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX MI XXXX XXXX Company : XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/2022 Company : XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX, VA XXXX
Consumer complaint received 2023-08-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (UT)

I was pre-approved for a new car loan XX/XX/XXXX. We shopped around, found a car, ordered it. I called USAA on XX/XX/23 to make changes to the term of the loan ( Change from 60 months to 72 months ). I was assured that this change was notated and when the loan was funded, it would be the 72 month term. We received the car on XX/XX/23, and the dealership filled out USAA 's request for funding. When the loan showed up in my account a few days later, it was for 60 months. I spoke to XXXX on the app 's chat feature, who couldn't help me over chat, so I called USAA on XX/XX/23 to attempt to resolve the situation. I spoke with " XXXX '', a " lending XXXX ''. Even though they see my loan account notated, I was told that someone made an error and ignored or did not see the notation. XXXX attempted to get the issue fixed, but the under-writer said no. The only way for me to " fix '' it is by re-financing. I should not have to jump through extra hoops because of someone else failing.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the fair credit reporting act XXXX  XXXX XXXX ( XXXX ) account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2019-07-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

Continually in the dark about repayments, information on where I'm at in my payment plan. When under Sallie Mae had no issues, with Navient it seems like no payments were made whatsoever, their systems are always down for maintenance and they keep you COMPLETELY in the dark about your progress/status. The only thing they appear to be competent in is posting a dollar amount that you owe.
Consumer complaint received 2022-05-20
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: Experian Information Solutions Inc. (GA)

Went to dealership with-pre approval letter from XXXX  XXXX, but somehow I now have unauthorized inquiries on my credit reports. An XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (MD)

PNC Bank implemented various " enhancements '' XX/XX/2018. The ability to make an online payment to principal was eliminated and not enabled until late XX/XX/2018. My XX/XX/XXXX statement, received XX/XX/2018 did showed neither my payment to principal nor the automatic payment draw from my checking account. These two debits were shown correctly on my checking account. I contacted PNC by phone and traveled to two separate branches to determine what had happened. ( A log of contact events, telephone conversations, phone numbers and summaries for each event is attached. ) I was informed on XX/XX/2018 that my issue was to be addressed PNC Bank 's Retail Escalation Department. It was assigned complaint # XXXX. On XX/XX/2018 I called the Retail Escalation department to get the status of the complaint. Phone requests for this information made on XX/XX/2018 and XX/XX/2018. I was informed PNC Bank had closed the complaint. I asked if I would now be able to make online payments to the principal without further difficulties. I was told I can only make payments to the principal only, either online or at a PNC Branch office, if the payment is executed after the automatic draw from my checking account and before the statement is generated on the last day of the month. I asked if this would be changed in the near future to allow for payments to principal to occur at the customer 's convenience. I was told there are no plans to change the current status. 

My automatic payment draw is scheduled to occur on the XX/XX/XXXX of the month but has been as late as the XX/XX/XXXX depending of holidays and weekend. This coming XX/XX/XXXX there will be 2 day in which I can make a payment to principal, the XX/XX/XXXX and the XX/XX/XXXX. 

I find this recently implemented policy that narrows the payment window to be unacceptable. It has all the appearances of a method to inhibit accelerated loan payments thus providing a means for PNC Bank to earn more interest on their HELOC. 

I wish to see this policy abandoned and the online payment option allowed to occur on any day of the month.