davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-19
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)

Hello CFPB, I had XXXX accounts with XXXX XXXX XXXX XXXX which I have paid in full however XXXX, Equifax and XXXX continue to show them as settled for less, not PAID IN FULL. I recently paid them off and XXXX XXXX sent me three letters for each account showing paid in full. I will upload each letter here. When I submit them to the credit bureaus, they refuse to update them. This is affecting my credit report, I cant get a loan and may now affect my employment. I need help and someone to call each bureau and have these three accounts reflect : closed, PAID IN FULL. I have disputed the accounts for the past 30 days, I have called multiple times and written two sets of letters. They are reporting these accounts incorrectly. Please can you help me. 


Thank you
Consumer complaint received 2020-06-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (NJ)

Money was transferred from my account to an account in XXXX where was pick up by a person. This bank said there is nothing they could do because it was a money transfer using western union. They said it was my responsibility for the transfer. They never send me a message or something to confirm these transfers.
Consumer complaint received 2019-09-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I was granted forbearance on all late payments on my student loan. I even updated a document outlining the terms of my forbearance from the lender. All late payments were forgiven up until XX/XX/2019. I submitted a dispute with Experian on XX/XX/XXXX. It was marked as completed today, but when i looked at it, absolutely nothing was done on the account. I tried calling multiple times, but i can get no one on the phone to help me with this issue.
Consumer complaint received 2021-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MI)

We signed up for Credit Card in XXXX. There were rewards points available. 
We never received the reward points. We've been in touch 3-4 times since XXXX. They never responded until this 5th attempt. They've denied the reward points and denied returning our annual fee as they stated we needed to cancel within 30 days. However within that 30 days we never got a response on the points. They are " unable to provide any help '' and state they will call us back later. So this means we have to wait longer and out the money and points.
Consumer complaint received 2023-03-10
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. (GA)

I received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : ACCOUNT NAME : XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : DEPT OF ED/XXXX ACCOUNT # XXXX ACCOUNT NAME : DEPT OF ED/XXXX ACCOUNT # XXXX ACCOUNT NAME : DEPT OF ED/XXXX ACCOUNT # XXXX ACCOUNT NAME : DEPT OF ED/XXXX ACCOUNT # XXXX ACCOUNT NAME : DEPT OF ED/XXXX ACCOUNT # XXXX ACCOUNT NAME : DEPT OF ED/XXXX ACCOUNT # XXXX ACCOUNT NAME : DEPT OF ED/XXXX ACCOUNT # XXXX ACCOUNT NAME : DEPT OF ED/XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT # 21 I have attached a copy of my ID for identity verification and a bill for address verification.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-08-01
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. (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2020-08-01
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (FL)

XXXX XXXX, XXXX has called repeatedly and sent a written letter claiming to collect a debt that I do not owe. I made contact to the Original Creditor and they confirmed it is a scam as they have no record of account reported by this debt collection company.
Consumer complaint received 2022-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I've contacted the company, XXXX XXXX regarding an alleged account reporting on my consumer report on XX/XX/XXXX. The company reported inaccurate and unverifiable information, which I requested for competent evidence that the alleged account belong to me. As a result of XXXX XXXX failing to provide this information, the account was deleted in XX/XX/XXXX. I have recently checked my consumer report on XX/XX/XXXX to find that this same alleged account was placed back on my Equifax consumer report. Also, XXXX XXXX still failed to provide the proof requested and has sold this alleged account to the company, XXXX without my consent and has violated federal law.
Consumer complaint received 2019-09-14
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: Experian Information Solutions Inc. (CA)

I HAVE SENT OVER 3 609 LETTERS AND HAVE ONLY GOTTEN DISPUTES OR INVESTIGATION WHICH IS NOT WHAT I ASKED FOR. I SENT ID SSI WITH THE LETTERS. WHEN I CALLED AND INQUIRY I WAS HUNG UP ON 3 TIMES AND ENCOURAGE TO FILE A COMPLAINT WITH CFPB. SO I AM HEAR NOW HOPING TO FIX THIS. EXPE XXXX XXXX XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019XX/XX/2019
Consumer complaint received 2019-09-14
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: EQUIFAX, INC. (CA)

I HAVE SENT OVER 3 609 LETTERS AND HAVE ONLY GOTTEN DISPUTES OR INVESTIGATION WHICH IS NOT WHAT I ASKED FOR. I SENT ID SSI WITH THE LETTERS. WHEN I CALLED AND INQUIRY I WAS HUNG UP ON 3 TIMES AND ENCOURAGE TO FILE A COMPLAINT WITH CFPB. SO I AM HEAR NOW HOPING TO FIX THIS. XXXX XXXX XXXX XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019
Consumer complaint received 2018-10-22
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. (TX)

A collection company, XXXX XXXX is showing opened account date of XX/XX/2018. This is not correct as that is the date the debt was purchased from XXXX XXXX XXXX  XXXX XXXX. Additionally the amount is incorrect. I have requested this be corrected but it has not.
Consumer complaint received 2021-07-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION (FL)

Navy Federal took {$710.00} out of my checking account and I was unaware that they were able to do that to satisfy a credit card debt!! That was all the money I had!! I get XXXX and I had to put money in this account due to the fact my card was closed down!! I already contacted them and they said it was nothing they could do and could not give any of the money back and they had the legal right to get it cause I agreed with my signature on a promissory or agreement!! So I asked them to send it to me and they sent me a bank disclosure!! I researched and read that banks are not allowed to offset accounts for credit cards!! Can I get any assistance for this matter?
Consumer complaint received 2019-09-14
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (UT)

On XX/XX/2019 I purchased a {$100.00} Visa gift card for my grand-daughter. I gave it to her on graduation night XX/XX/XXXX. On XX/XX/XXXX, she called and told me she had spoken with Visa when she tried to register the card and found the money was spent. According to Visa it was spent on XX/XX/XXXX. She didn't even have possession of the card then. She found someone had registered it and transferred it to their XX/XX/XXXX account without the pin number. I called Visa XX/XX/XXXX.Visa told me it was probably stolen online. Told to fax front and back of card, my ID, Copy of receipt from store. Because it had been 7 weeks since purchase, I no longer has the original receipt. The said no problem, get copy from XXXX/XXXX. I faxed info first time on XX/XX/XXXX. Called XX/XX/XXXX. Told it takes 10 days to get in computer, call back in a few days. Called again XX/XX/XXXX. Fax not found. Found out I had not faxed all the info needed. Needed case number listed on each page, needed to put on cover sheet proof of ownership and change owner to my name and address. Re-faxed XX/XX/XXXX. Called XX/XX/XXXX no fax in computer. Called XX/XX/XXXX told it was denied because they wouldn't accept copy of receipt from store. What!! This is a major chain. The last 4 of my Debit card is on it, my fresh value customer number is on it, been mine for 24 years, first 10 numbers of gift card on it. I don't know what else they want. they said copy of receipt from store not good enough. It has been 4 months of calls and faxes. I'm done fighting with them and need some help to resolve this. Thanks, XXXX
Consumer complaint received 2018-12-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (TX)

In XX/XX/XXXX I purchased a XXXX XXXX and Santander was the one who financed my loan. My balance on XX/XX/XXXX was {$22000.00}. Since then I have made approximately 30 payments of {$510.00} ; Some months even more. Every time I looked at my balance it seemed like it's never decreasing but staying the same or sometimes even getting higher. As of today XX/XX/XXXX Santander is still saying I owe {$17000.00} as the principal balance and {$18000.00} for the payoff amount for a XXXX XXXX that was purchased in XX/XX/XXXX. In XX/XX/XXXX I got  into a horrible accident and received a check for my diminished value. Since Santander is on the loan I called to ask if they could sign the check and send it back to me. I was told to send it in expedited and they would return and send it back. Instead, the cashed my check for {$4100.00} and put it all towards their interest. I had to call the 3rd party to put a stop payment on the check. I've reached out to Santander multiple times to see why my payments are not being applied correctly and also to question how my payments have been applied. I've received no resolution and have been treated poorly as a consumer. Some payments I make go straight to the interest and none to my principal. How is this ethical? I would like a resolution as soon as possible.
Consumer complaint received 2019-09-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

Someone has either hijacked an old account that I opened but haven't accessed for over 10 years or opened an account in my name using ID theft. I know this because I got a decline letter from XXXX XXXX  for paypal credit. I didn't apply for paypal credit and i don't have or use paypal. I have no bank accounts connected to paypal and haven't for over 10 years. If there was an old account I setup long ago, I don't know the bank or account number and this account would now be closed. 

The system will not allow me to change the password and I get stuck in a loop where I'm asked for to change my password over and over again, each time with a password that isn't one of the previously selected passwords in the previous loops! I enter the password and it comes right back to the same screen.

I called paypal and their overseas support department didn't seem to care and had very little interest in helping me resolve this fraud incident. They are asking me for the last 4 digits of the bank account which I don't have since I have no accounts associated with paypal. Again I don't use or have paypal. 

At this point paypal will not close this fraud account that someone besides me controls and so I will try this method. I hope you can help.
Consumer complaint received 2019-09-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (CA)

First off the biggest issue here is that the original creditor XXXX XXXX XXXX never made the appropriate efforts to contact me to advise of the current debt which was partially paid. They have had all my current info and they had the incorrect address since I had moved and moved services to my current address. XXXX XXXX XXXX knew about this and I didn't receive a call or mail advising of this debt before it was sold out to this 3rd party debt collector. It was reported to the credit bureaus. Negatively affecting my credit score. I didn't have a chance to take care of this matter. Also the 3rd part deb collector made no efforts to reach out as well and I had to find after I checked my credit report. I been trying to come to an agreement with them but they are not being cooperative.
Consumer complaint received 2018-12-26
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: Bread Financial Holdings, Inc. (NY)

I was looking through my XXXX XXXX and see I have a hard inquiry on XX/XX/2018 XXXX XXXX / XXXX XXXX. I do not shop there. This is fraud. I did not authorize it. I have called customer service a few times to get removed with nothing concrete done.
Consumer complaint received 2018-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (ME)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX Original Creditor : XXXX XXXX XXXX Alleged amount owed : {$150.00} This is not my account - Never had service with this company?
Consumer complaint received 2019-09-14
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: Experian Information Solutions Inc. (WA)

I purchased the service of XXXX per month. Under this subscription, XXXX XXXX XXXX was to report rent payments to three credit Bureau 's. XXXX XXXX did so for three months. then I changed my user name on my bank account. XXXX XXXX couldn't access my bank account and record my information, I contacted XXXX XXXX via several emails and it would take XXXX XXXX 3 or 4 to respond to a email. 
I was now stuck in a situation of paying for a service and getting nothing in return, I cancelled XXXX XXXX and my Eperian score started dropping my credit score points. 

Here 's a copy of the email prior to my score drop, A self-reported account was removed One of the self-reported accounts you added through Experian Boost was automatically removed from your Experian credit file because no payment was reported for it in the past 90 days. Please connect a different bank account that you use regularly to pay bills through to continue reporting positive payments to your Experian credit file through Experian Boost. 

I have no negative remarks or late payments for over 2 years and
Consumer complaint received 2019-09-14
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. (VA)

Experian removed information from my report in XX/XX/2019 causing my credit scrore to psotively increase, then added the information back to my credit report in XX/XX/XXXX that negatively impacted my credit score. See Attachment.
Consumer complaint received 2022-03-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (WA)

My mortgage is through New Rez and my homeowners insurance is through XXXX. New Rez did not pay our mortgage insurance premium and we were not notified by either party. We contacted XXXX to find out what happened and they said they canceled our policy and that they will not open it back up with New Rez because of the frequency and number of late and no payments from them. They said we can restart our policy but it won't take affect until XXXX. We currently have no mortgage insurance because of this issue. I attempted calling New Rez XXXX times yesterday and sent a message via their site and have not been able to contact anyone. Under article XXXX, they are not in compliance and I want to pursue damages and a refund.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

When reviewing my credit report I was enraged to find a number of inaccurate reportings. One being a late payment that I was not efficiently warned of and is entirely inaccurate and then on top of this there are a few inquiries that I never authorized the release of my information for.
Consumer complaint received 2022-07-10
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: Ability Recovery Services, LLC (FL)

I am a identity theft victim, I have been since 2012. I have several inaccuracies on my credit report that I dont recognize where they came from. I have a fraud alert on my credit file and I have reached out to all 3 credit bureaus about this and I have been having a hard time get theses items removed from my credit report. Accounts from ABILITY RECOVERY SERVICES LLC has a amount of {$1400.00}. And a another in the amount of {$1500.00}.
Consumer complaint received 2019-09-14
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: JPMORGAN CHASE & CO. (CA)

I have been a Chase Bank customer for over 20 years, I had car loans through them through out the years. Five years agoI went through a divorce in the process of my divorce I manage to pay of my car that was finance by Chase Bank. Two years ago my kids wanted an item on XXXX I applied for there promotion they had and to my surprise I was denied it said Chase Has denied your credit application. I called them they told me there was nothing they can do. Almost three years later I applied again They denied me again. I feel that Chase Bank Credit Financing is being extremely unfair, plus Im trying to buy a house right now and this Is affecting my family. Life is not easy after a divorce. Everyone knows that our credit scores are very important. This company Chase Credit Financing, Chase Bank right now is stopping my family the opportunity to  progress and achieve in life again.