davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-28
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. (TX)

Equifax has refused to properly investigate errors on my credit. I sent Equifax disputes regarding three different alleged collection accounts from XXXX XXXX on XX/XX/2022. Ive also sent in disputes outlining XXXX XXXX XXXX violations as well. In my disputes from XX/XX/2022, I listed an FCRA violation and demanded Equifax remove the account as I have the right to do under the FCRA. The alleged collection accounts are reporting i have a past-due balance with them. How can I have a past-due balance with a company I have no relationship with? Under the Fair Credit Reporting Act, I have a right to a fair and 100 % accurate report and if my credit report isnt accurate, I have a right to demand it be deleted from my credit file. Equifax has deliberately ignored all proof and evidence that Ive sent in regarding these erroneous accounts. I even sent in dispute results from XXXX showing that XXXX removed these accounts because it could not verify these erroneous, alleged collection accounts. Upon checking the disputes results, Equifax not only kept these erroneous accounts on my credit report, it also kept the past-due status on the accounts. Equifax is merely parroting information and not conducting a reasonable investigation. I also have a phone recording of an Equifax representative admitting that the company is using stall tactics to intentionally not investigate my disputes. Again, Equifax has ignored my requests and evidence that these are erroneous accounts. Equifax is guilty of enabling Identity Fraud by keeping these erroneous accounts on my credit file. To further support my statement, Equifax added a new address to my credit report ending XXXX XXXX XXXX I have NEVER resided at that address. Equifax is most certainly guilty of Enabling Identify Fraud!
Consumer complaint received 2021-05-18
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (CA)

I have 3 student loans with Navient. Navient is incorrectly reporting that my student loans were 150 days late twice, back in XXXX, and XXXX. My student loans were never late. I have contacted Navient and wrote letters regrading the issue and they have yet to remove the 2 late payments from XXXX and XXXX. Also under 15 U.S Code 1681b Permissible Purposes of Consumer Reports I never gave Navient written consent to report these accounts. As a consumer these accounts must be deleted immediately, or i will seek monetary damages in small claims court in my city and sate. Under 15 U.S Code 1681b Permissible purposes of consumer reports i never gave Navient any written consent to report anything on my consumer report and no consent is IDENTITY THEFT.
Consumer complaint received 2022-01-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (TX)

The response from Wells Fargo failed to address, nor in anyway acknowledge, my questions. This company 's response, it appears, is a general form letter with bits of my information plugged in. I in no feel my concerns were " looked into '' at all.

The response referenced the dates of three emails they state notified me of the credits they issued to my account. To my point, they did not reference my responses or acknowledgments to the emails. There are none. In XXXX, and now XXXX, who uses personal email? It is scarcely checked and generally only when one is expecting a specific email which the receiver must scroll through copious amounts of spam looking only for the sender to find it. 
My concerns were first, how a bank can credit my account like this and they cant argue this would not be expected by any general person with a bank account. I have had checking and savings accounts since XXXX, the last 6 years with this company and all of that 36 years, I have never received bank credit like this. This should have been a customer option I agreed to or, at the very least, I should have been notified in a form in which an acknowledgment of the credit and the 60 day reversal was required. 
My second issue was a request, that under the circumstances, this reversal be made due over a period time, just as they were credited, rather than reverse all three at the same time. 
The financial hardship this has caused is irreparable.
Consumer complaint received 2022-01-28
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. (WI)

On XX/XX/21 I sent ExperianXXXX a letter disputing the validity of the bankruptcy they are reporting on my credit report. They responed with a letter included with my credit report stating it was " verified '' through XXXX XXXX. I went directly to XXXX XXXX to dispute the item in question and XXXX  XXXX could not verify this item so they deleted it from their database. 

I then went back to Experian/XXXX on XX/XX/21 and showed them the deleted bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete this unverified item which is imploding on my ability to purchase a home and causing me to pay thousands more in intrest every year. 

This item needs to be deleted from my credit report if itcan not be verified within 30 days.
Consumer complaint received 2015-07-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (FL)

Enhanced Recovery collection is reporting on my credit reports a bill, that has been on my credit reports on and off for over 20 YEARS. The account # XXXX first appeared on my credit report in XXXX XXXX with XXXX. 

It was then sold to XXXX XXXX and re reported with account # XXXX in XXXX of XXXX. 

It was then sold to XXXX and re reported with account # XXXX in XXXX XXXX. 

It was then sold to XXXX XXXX and re reported with account # XXXX in XXXX XXXX. 

It was then sold to XXXX XXXX and re reported with account # XXXX in XXXX XXXX. 

It was then sold to XXXX. XXXX XXXX and re reported with account # XXXX in XXXX XXXX. 

It has now been sold to Enhanced Recovery Collections with the account # XXXX in XXXX XXXX and updated by Enhanced Recovery Collections in XXXX XXXX.
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (MD)

Creditor has reported my loan account charged off for {$2000.00} and {$1400.00} past due as of XXXX XXXX with a status date of XX/XX/XXXX. 

All payments were made and the balance shown represents late charges PLUS INTEREST on those late charges. The attached loan disclosure reveals the late charge is {$29.00} BUT the disclosure does not give an interest amount on late charges. Thus, the creditor is in violation of the Truth in Lending Act. Potential lenders viewing my credit report will assume that I did not make the monthly payments and the charge off is due to this failure rather than a dispute as to interest charged. 

Additionally, the creditor has ignored my numerous requests to differentiate between the late charges which I am was willing to pay and the interest amount included with the late charge balance. According to the Fair Credit Billing Act, I was not required to pay the disputed amount and can not be penalized for withholding payment for amounts in dispute. Creditor 's report to the credit bureau that my loan account was charged off violates the Fair Credit Billing law.
Consumer complaint received 2022-09-27
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Bankruptcy discharge ref # XXXX U.S. BANKRUPTCY-CENTRAL DISTRICT Address : XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC. (DE)

This company ran my credit without my permission I received a phone call and this company was asking if I wanted a second mortgage and I asked how did they know my personal information this man lied and ran my credit without my permission I called the company and complained and nothing was done
Consumer complaint received 2022-01-28
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. (CA)

Open loan XX/XX/XXXX amount {$20000.00} 36 months / {$640.00} / month period XX/XX/XXXX to XX/XX/XXXX paid {$640.00} transaction amount on the term of contract no delinquency no late fee. 
period XX/XX/XXXX paid and full the loan {$12000.00} ( overpaid {$64000.00} ) account current payment satisfactory, no delinquency no late fee no past due. 
paid the loan on 17 months current on 36 month therm. loan current every month. 
period XX/XX/XXXX to XX/XX/XXXX current. 
the CoXXXX XXXX XXXX XXXX report my delinquency late payment charge off on XXXX, XXXX and XX/XX/XXXX to XXXX credit agency credit report. TransUnion, XXXX and XXXX. The CoXXXX promise of correction nothing came. 
I lost XXXX point for false report from XXXX XXXX XXXX. 
I contact the Co. on the phone promise of correction to fix the problem. Nothing came. 
I contacted from dispute the 3 credit agencies with additional proven documents. my problem if not fixed date XX/XX/XXXX. 
the CoXXXX XXXX XXXX XXXX return to me the overpayment {$640.00} on XX/XX/XXXX. is never correct the problem of late payment on the 3 Agency. 
I am current loan pay satisfactory and no charge off delinquency late payment
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: QUALITY ACCEPTANCE LLC (OH)

I have contacted the credit bureaus in the creditors on numerous occasions, dates listed below : XX/XX/2021 XX/XX/2021 XX/XX/2021 XXXX XXXX XXXX  Quality XXXX XXXX XXXX XXXX This account is being reported wrong it is showing a XXXX balance The last reported dates don't match, Comments : XXXX reporting Closed ; XXXX- no status ; XXXX- closed or paid/XXXX balance
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I reviewed my consumer reports and noticed two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of ( XXXX ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2022-01-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP (MA)

I received a piece of mail from US Bank saying that a US Bank XXXX XXXX Account was opened in my name on XX/XX/XXXX. They listed an account number. I called US Bank and spoke with XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. She said the application was declined as it was suspicious for fraud. She instructed me to report this to the XXXX and Federal Trade Commission which in turn sent me here.
Consumer complaint received 2022-01-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2021-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (ME)

My mortgage is serviced by Shellpoint Mortgage. I exited forebearance XX/XX/XXXX. We were on forebearance due to XXXX, both my husband and I became XXXX  and my job was lost due to the pandemic. I recently gained full time work and we contacted Shellpoint and followed all directions to exit forebearance, modify the loan and restart our payments. I have made 2 trial payments and will complete my third trial payment in 1 week, all within 45 days, ahead of the three month schedule provided.

Shellpoint Mortgage reported my account to all credit agencies for delinquent over 30 days for the full amount of the forebearance back pay owed, {$32000.00} on XX/XX/XXXX. No mention is made in the credit report that I am in trial payments, current on trial payments and awaiting the final documents to modify loan. It does not mention that I was in forebearance due to COVID. My credit score dropped almost 100 points severely affecting my families ability to complete a refinance of the same mortgage to bring it current. I have a XXXX federally backed loan. 

I am not currently delinquent on my account and the report was not an accurate or necessary step by Shellpoint mortgage service. I contacted Shellpoint Mortgage and they sated this was allowed because they are reporting the " true '' facts of my mortgage. I asked how I could have prevented this reporting. I was told that only if I had made a lump sum payment of the total amount of forebearance and brought the account current would have prevented me from being reported delinquent on my account.

Shellpoint suggested I focus on my repayment and not my credit report in our correspondence. I have spoke with the HOPE hotline and CFB and was advised the report of delinquency on my credit report was not consistent with direction provided by XXXX XXXX to mortgage servicers.
Consumer complaint received 2021-05-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas XXXX Midland Funding XXXX. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2018-12-20
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. (FL)

Please know that I was not late on XXXX XXXX XXXX, XXXX XXXX XXXX. I wonder why Equifax, XXXX   and XXXX report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
Consumer complaint received 2022-04-12
Product: Vehicle loan or lease — Lease
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: VW Credit, Inc (CA)

I totaled my previous car on XX/XX/2020. XXXX insurance issued a check for XXXX and my damages were only XXXX. Whoever my salesman was when I getting into my new lease ASSURED me I wouldnt have anymore debt especially since insurance paid for more. That was how I was able to get a low rate/low down payment was because of assurance that insurance would cover damages and lower everything for me.
Consumer complaint received 2021-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

I deposited a check on Sunday, XX/XX/2021 for the amount of {$4100.00}. I reached out to Chase Bank customer service on Sunday, XX/XX/2021 to see when my deposited check would be available. The customer service representative told me my funds would be available by XXXX on Tuesday, XXXX XXXX. Later that day, I received an automated message from Chase Bank saying my deposited funds wouldn't be available until XX/XX/2021. I called Chase Bank customer service to ask why. All they told me was that they have a hold for 10 days on the check. I went to the Chase Bank by my house to get more clarification and spoke with a branch manager, XXXX XXXX. She told me my check would be on hold for 10 days so they can make sure it was legit and that it was me who deposited the check. I asked if there was anything I can do to expedite this, and she said no. I deposited another check to my account on Tuesday morning, XX/XX/2021, and the funds were available right away. I don't understand why they are holding the check. My account is currently overdrawn, and I let her know that and that I needed the funds to be deposited. She told me there was nothing she could do about it.
Consumer complaint received 2021-05-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc ()

Hello. 

I am from XXXX and i have my paypal account from 20 years and never violated paypal aceptable policy. 
Now paypal says i violated a policy, not saying which, denying to specify and stole my balance and banned me. 

I am pretty sure i didnt made an illegal move, and they refuse to say why and just took off my balance. 

I consider this stealing and i need protection. 

Is there something i can do or can u refer me to the place i need to file a complain so they dont steal me or others? 

I am 100 % sure i didnt violated a policy. I dont mind being kicked off paypal, but they cant keep MY money. 
They made a " transfer '' from my balance " to paypal '' to cover damages they say. but i didnt autoriced or informed what i violated. 


Thanks.
Consumer complaint received 2021-05-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (NE)

Binance.us ( BAM Trading Services Inc. ) has been withholding {$140000.00} from me for the past 3 weeks pending " Identity Verification ''. On XX/XX/XXXX my ability to buy, sell, trade, and withdrawal was suspended without notice. I haven't been contacted nor was I informed what information they need from me to get this resolved. I took the proactive approach and submitted a support ticket XXXX # XXXX XXXX on XX/XX/XXXX with a copy of my drivers license XXXX front and back ), bank statement, and utility bill all attached hoping this would speed up the process thinking this would be sufficient in verifying my identity and proof of address. I reached out to their customer support via XXXX that same day and supposedly had my ticket escalated, but that apparently means nothing since I still haven't gotten a response going on 17 days now. I really don't know what else to do and feel like I'm getting scammed. This whole situation has caused me a huge amount of XXXX and XXXX. Anything you could do to help me out would be greatly appreciated.
Consumer complaint received 2018-12-20
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. (FL)

My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX  XXXX  XXXX, XXXX   XXXX XXXX, XXXX  XXXX and XXXX  XXXX.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I'm filing this complaint against XXXX XXXX XXXX and all the credit reporting agencies because they are reporting inaccurate account status on the credit report. The account is for a 2021 XXXX XXXX XXXX and I got this vehicle last year. I noticed a delinquency remark on the credit report and I contact them because my payments go through thoroughly always and I have a flawless credit report. XXXX continues to report a delinquency to the credit report and the credit reporting agencies continue to be in a bias state that they do not accept dispute. I'm disputing the delinquency that was stated for earlier this year. I contacted XXXX and informed them that I always make my payment on time and they need to rectify their records and report accurate information. XXXX claims that they never received a payment. I have made my payment as I said always. XXXX claims that I am requesting a courtesy delinquency removal and they will not do it because they are protecting their brand. I do not care about their brand, all I care about is that they report my information accurately because I have never been delinquent in any of my payments. I always make my payment on time. If their systems did not process the payments quickly its not my problem, it is their problem and they need to solve their own issues internally not make falsified claims. I am not delinquent on my payments and I'm always on time with my payments. I tried to contact XXXX before making this report with the CFPB to have my issue resolved however, they continue with their claim that they are protecting a brand royalty which is still unclear thus far. Their brand royalty is not my problem but they better fix this delinquency report they falsely claimed because it affects my position as an investor and as a consumer.