davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Subject : Removal of XXXX Account Number XXXX from Credit Report Dear CFPB, I am writing to request the immediate removal of the account number XXXX from my credit report. Despite repeated attempts to address this matter, the account remains unjustly listed, and I believe it is in violation of the Truth in Lending Act ( TILA ).

The TILA mandates that consumers receive full disclosure of all terms and conditions when entering into credit transactions. However, in this case, full disclosure was never provided to me. As per TILA regulations, creditors can be held strictly liable for any violations, regardless of intent. Therefore, I am within my rights to rescind the loan and request the removal of this account from my credit report. Full disclosure includes making me aware that Im the one who extended them credit. Failure to do so constitutes a breach of contract. Hence, I urge you to remove this account from my credit report promptly. 

Moreover, it is my understanding that every contract signed is considered a security, and funds should be deposited and transferred into my XXXX XXXX XXXX XXXX XXXX  ).

Furthermore, I wish to emphasize that contracts must be entered into between two living individuals, and full disclosure must be provided. Since these criteria were not met, I am requesting the voidance of the contract and the subsequent removal of the account from my credit report.

If the account is not removed within the next seven business days, I will be compelled to escalate this matter further. I will seek your indenture trustee and trustee information to facilitate the transfer of my past due securities and monthly securities to my XXXX account. 

I trust that you will address this matter with the urgency it warrants. Thank you for your prompt attention to this request.
Consumer complaint received 2019-11-18
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. (IL)

I have explained to Equifax that they are reporting an incorrect balance for XXXX/XXXX. They are not updating this account monthly as they should. The balance on this account is {$0.00} not the balance that they are showing in the amount of {$93.00}. Please update this account to show the correct balance.
Consumer complaint received 2018-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Back In XX/XX/2016 XXXX I had a late fee the following month I paid my bill in XX/XX/XXXX and had told them I had a death in the family they agreed to remove late fee. I was recently on XXXX XXXX and noticed the late fee had never came off.

I had called discover and am still waiting for late fee to be removed.
Consumer complaint received 2018-10-18
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. (GA)

I have disputed the late payment on this WFDS XXXX for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2020-11-06
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. (NV)

I Have contacted CREDIT BUREAUS on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Consumer complaint received 2018-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have disputed the late payment on this XXXX  XXXX for months. XXXX  and XXXX   have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2023-07-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (AZ)

On XX/XX/2023 I made a online payment of XXXX to Nelnet to Account group XXXX. 

At first the payment was misapplied to account AD. I contacted Nelnet customer service to apply payment to account XXXX. 

Today as of XX/XX/2023 upon logging into my Nelnet account online, there was no evidence of this payment anymore. 

This is the second time they lost my payments or didn't know what to do with the money this month. 

I guess I'll be making a lot of these complaints for the next several years. 
Attached are the current payment history and email confirmation of payment.
Consumer complaint received 2022-01-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (GA)

On XX/XX/2022, I reviewed a copy of my XXXX Credit Report & notice Midland Funding is reporting inaccurate information Date account open states XXXX Date of First Delinquency XXXX
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

I have noticed something is wrong with my credit file XXXX XXXX XXXX with account # XXXX it has several innacuracies which I have tried getting them to remove the account but I havent had any luck.the items that are wrong is listed below : Account type Date opened Date last reported Date last active I want this account removed immediately
Consumer complaint received 2020-07-25
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. (CA)

I moved from my apartment And shut off my XXXX service when I initially set up service I paid a deposit and I never received a bill. I was unaware of the balance until it showed up as a collection account on my credit report. I immediately called XXXX and was the representative advised me they would recall the debt and reverse the charge off and bring my account back in good standing and that the collections trade line by XXXX  XXXX XXXX XXXX would be removed from my report. It was onli updated to paid and I called XXXX back and they advised me that they had already notified XXXX XXXX XXXX XXXX that it was no longer a valid debt and that it should have been removed.
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

There are five student loans showing up on my credit bureau as delinquent. However, all of my student loans transitioned to XXXX and are in repayment with a good standing. Some of the delinquent loans have the same date or date range as my XXXX loans. I did not take out separate loans from the ones I already have that originated at XXXXXXXX XXXX  University - XXXX. For example, there are two loans dated XX/XX/2007. Did someone take out a separate loan after I did on the same day? I do not understand why this would show up under the XXXX XXXX XXXX in addition to the XXXX  loan in repayment with the same dates. XXXX is the service provider for all of my student loans including my only private loan. Additionally, the XXXX XXXX XXXX XXXX has sent a letter to garnish my check at my job. The principal amount is {$27000.00} ( see attached ), which is close to the same amount I am still paying. Please help me clear this up so this no longer shows up on my credit bureau doubled up with additional fees.
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I moved from my apartment And shut off my XXXX service when I initially set up service I paid a deposit and I never received a bill. I was unaware of the balance until it showed up as a collection account on my credit report. I immediately called XXXX and was the representative advised me they would recall the debt and reverse the charge off and bring my account back in good standing and that the collections trade line by XXXX XXXXXXXX XXXX XXXX would be removed from my report. It was onli updated to paid and I called XXXX back and they advised me that they had already notified XXXX XXXXXXXX XXXX XXXX that it was no longer a valid debt and that it should have been removed.
Consumer complaint received 2024-03-01
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am deeply concerned by your continued disregard for my requests to rectify inaccuracies in my credit profile, which violates the Fair Credit Reporting Act ( FCRA ). Despite my repeated efforts, including this final request, you have failed to take action. Under the FCRA, you are obligated to investigate and correct inaccurate information promptly. Your persistent non-compliance leaves me no choice but to pursue legal action if this matter is not resolved immediately. 
XXXX XXXX XXXX  Date Opened : XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2018-04-27
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (PA)

I have Federal Student loans that were serviced by Navient/Sallie Mae starting in roughly XX/XX/XXXX, but perhaps prior to that date. Of course, I had no choice in the matter as to whether I wanted Navient/Sallie Mae assigned to me. During Navient/Sallie Mae 's time as my servicer, I made payments that I was led to believe were Income Driven Repayments which were verbally certified to me as such by Navient/Sallie Mae 's customer service teams. The reason for me choosing IDR payments were twofold : 1. So that I could manage my personal budget better ( I am a XXXX XXXX XXXX and could not afford the monthly payment ) and ; 2. So that I could be eligible for the Federal Government 's PSLF Program ( Public Service Loan Forgiveness ) which was signed into law in XX/XX/XXXX.

When I recently was contacted by my new servicer regarding my PSLF status, I learned that Navient/Sallie Mae reported that I had made XXXX ( XXXX ) qualifying payments, which is completely contrary to what they were leading me to believe I was doing from the time period when they were my servicer. When I have contacted Navient, they deny any records and claim that I have to contact Sallie Mae, and vice versa. Furthermore, Navient/Sallie Mae reported to my current servicer that I was in forbearance during periods of time which I believe are inaccurate. I am acquiring bank statements to prove this fact. Navent/Sallie Mae should credit me with the proper qualifying payments, and if need be count my payments that were made during forbearances that I did not request.
Consumer complaint received 2018-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

XXXX XXXX is manipulating my credit files in violation of federal law. Trans Union and XXXX   are complicit in this manipulation. 

I have attached two copies of my Trans Union file ( XXXX is the same ) showing that XXXX XXXX had closed the account in XX/XX/XXXX. They changed that report in XXXX to move the closed date to XX/XX/XXXX. This is negligent non-compliance at best and willful non-compliance at the worst. I did not redeem this repossession nor did I rewrite the balance in any way. The change of the closed date dropped my score 50 points because it now appears that this is a recently closed collection. 

I already have a complain against XXXX XXXX for violation of the FCRA and FDCPA. ( Complaint number XXXX ) They had reported a balance of {$71.00} as late as XX/XX/XXXX. But  when I tried to pay it, they said the balance was {$1500.00} and settled it for more than {$500.00}. Clearly a violation of the added funds portion of the FDCPA TRANS UNION and XXXX  allowing this manipulation of federal law is definitely negligent non-compliance
Consumer complaint received 2018-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX ( one credit card ) and CapitalOne ( two credit cards ) have told me out of the blue they decided to make a business decision to close my wifes and my credit cards. All of my three cards were closed in the month of XX/XX/2018. We tried calling to request what we did wrong to only get a representative either not understanding why it was closed or just a flat answer of " the credit card companies aren't making money off you so they decided to close your account '' and it was a business decision. We asked for help from all the credit cards and asked if we did something wrong please let us know so we can avoid this in the possible future, but they didn't have an answer for this as well. 

One of my CapitalOne credit card I had for more than 12 years. Most of the times we paid our bills on time in full. A few times we had maybe less than {$2.00} interest charges ( attached statement summaries ). My credit score was over 800 on XXXX before our credit card companies closed our accounts. The last major transactions we did were some credit transfers because we were trying to avoid being charged too much interest as my wife is a small business owner. We used our credit card with the various credit products the credit card companies offered and now we are being penalized. These companies offer credit line product that will cause us to lose out on our American dream of owning a home. We were planning on buying a home this coming year so I worked hard to keep my credit score close to 800. Also, I was planning on using my credit line to start up an internet business too. I lost a total of {$60000.00} in credit line. This was all in one month.
Consumer complaint received 2021-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (CA)

On numerous occasions, I've asked a Wells Fargo " banker '' why I can't get a credit card? I get one or all of these answers : 1. My credit score is too low ( it's XXXX ) 2. You have too many inquiries ( most from Wells Fargo ) or applications for credit ( they look for how much credit I'm taking on ) but they NEVER ask if it's me! 
3. You have to prove you want one by increasing your credit score This absolutely infuriates me as I have ALWAYS had a credit card and have never before been denied one until I transferred my banking to Wells Fargo.

There are also several areas within their online banking process that requires the use of a cell phone! Since I can't as yet afford one, I asked how they accommodate those of us who do not have a cell phone. Their reply was : get a cell phone!
Consumer complaint received 2020-01-31
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. (MD)

XXXX, XXXX  and Equifax are reporting an account with XXXX  XXXX XXXX that should have been removed due to the 7 year rule.
Consumer complaint received 2018-10-18
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. (CA)

We were reported as late payment when in fact we have more than enough funds with XXXX XXXX for which the check was drafted. We could not understand as to why our check was not funded by XXXX XXXX. I filed a complaint with XXXX also. For a fact that we are doing our best to abide to our loan obligation, we always pay more than the statement amount.
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TN)

Your XXXX XXXX|FlC0 REP0RTXXXX - Two Suspicious Transactions, FIagged. ResoIve By, XX/XX/XXXX XXXX : XXXX Received the above message at XXXX XXXX on XX/XX/XXXX. CaLLED EQUIFAX AND THEY SAID IT WAS A SCAM/. Wish you could catch these people ... it is scary. 

This is not the fault of Equifax but whomever is impersonating them.
Consumer complaint received 2020-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (TN)

I contacted Radius Global Solutions regarding a medical collections account from XXXX XXXX  XXXX on XX/XX/2020. There was an issue with insurance billing, and I was able to get XXXX to correct the issue and remove the balance on XX/XX/2020 and close out the account ( XXXX ). XXXX even sent me an email as proof that the bill was adjusted. XXXX originally emailed that I had to contact the collection agency to have them remove the debt from my credit reports. I contacted Radius Global, XX/XX/2020 and spoke with supervisor XXXX who told me that either XXXX would have to call, or I could get something faxed to XXXX to get account updated. I again contacted XXXX, XX/XX/2020 and the rep informed me that there was a 2nd account for me and as I waited, he reached out to his manager and she authorized him to adjust the account as well. The rep then told me that he was sending something over to Radius Global to get debt removed and he also emailed me something showing my account was updated to reflect {$0.00}. I called Radius back XX/XX/2020 and was passed around until I got XXXX, the supervisor, again. I explained that I am trying to get a mortgage loan and needed this removed immediately. I told him that the previous rep with Radius verified that the account had been recalled. XXXX verified that it was recalled but he could not get it removed from my credit report. I asked him if it made since that they would continue to report a collection that was XXXX out because it was a billing error. XXXX stated that he did not want to misinform me and have me saying that he told me something that was wrong. He stated that they dont normally receive calls requesting this, which I find hard to believe. But he said he would research and that I could call him back Monday and he might have some info. He said he would reach out to the department that does recalls. I do not believe XXXX was being honest at all. This seems to be an illegal practice for them to continue to report something that has been recalled by the original company. The account was the result of incorrect billing on XXXX part. I really need this resolved and the information removed immediately as I am trying to get a mortgage loan approved and this is holding up process.
Consumer complaint received 2021-10-11
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. (MO)

Since XX/XX/2021 I have been filing a complaint against XXXX XXXX XXXX XXXX and Transunion XXXX XXXX XXXX - Account XXXX XXXX  XXXX XXXX XXXX Account XXXX, XXXX and Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Transuninon and XXXX No investigation has been opened on my behalf. Also have sent request for Debt validation and have not received anything back from the creditors or collection agencies regarding my dispute. The bureaus are now considered being in direct violation of the FCRA guidelines and also the collection agencies are now in direct violation of the FDCPA guidelines. The timeframe for an investigation has now passed and I am requesting within my consumer rights for a permanent deletion of the accounts listed above. I have attached the disputes that was sent in the to creditors/collections agencies and to the bureaus with no regards are response back. I have also attached my Driver 's License, Utility Bill and Social Security card for proof of my identity. Please consider this my written authorization.
Consumer complaint received 2021-10-11
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. (CA)

I have been dealing with fraudulent charges on my Experian account for quite some time. I have mailed them my affidavit since XX/XX/2020. It's taken almost a year. They have not removed the 3 accounts.. They just left them on there even though they are not mine. I also told them that them and XXXX are reporting late payments on my mortgage and I have never been late. They continue to ignore these problems.