davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-15
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. (MD)

I have had several disputes with XXXX XXXX XXXX and they will admit to the errors and correct them and then they put the false late payments back on my credit report several months later. This has been an ongoing problem, I have 2 complaints that were filed with the CFPB to resolve this issue XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. Both complaints they admitted the payments were in fact not late and corrected them and now once again the same payments are again being reported as late. The payments that are being reflected as late are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX the same months that were previously corrected.
Consumer complaint received 2018-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have had several disputes with XXXX XXXX XXXX and they will admit to the errors and correct them and then they put the false late payments back on my credit report several months later. This has been an ongoing problem, I have 2 complaints that were filed with the CFPB to resolve this issue XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. Both complaints they admitted the payments were in fact not late and corrected them and now once again the same payments are again being reported as late. The payments that are being reflected as late are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX the same months that were previously corrected.
Consumer complaint received 2022-02-03
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. (MN)

Attached to this complaint is a XXXX XXXX Police Report for proof that the following accounts and credit inquiries listed on my Equifax and XXXX credit report are fraudulent and is the result of identity theft : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XXXX XXXX XXXX XXXX XX/XX/XXXX. All of the accounts and credit inquiries are fraudulent, unauthorized and not my accounts or credit inquiries. Please review the attached XXXX XXXX Police Report. Police Report XXXX XXXX : XXXX. Please keep the attached police report on file.
Consumer complaint received 2022-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022, I sent written disputes via XXXX mail in regards to inaccurate late payments that are currently reporting in error on my consumer credit report. Furthermore, after 45 days with no response, I sent another dispute request on XX/XX/2022 via registered mail with XXXX demanding that these inaccurate late payments be removed from my consumer report immediately. However, it has now been over forty-eight ( XXXX ) days and I have yet to receive any correspondence regarding investigating my disputes. In addition, according to the FCRA Section 611 ( a ), a failure to investigate consumer disputes within 30 days gives reason to lawfully remove those items from my credit report immediately. At this point, I am filing a formal complaint due to the consumer reporting agencies failing to comply with the federal laws that protect me as a consumer. Moreover, this entire dispute process is stressing me out and the late payment error reporting is impacting my ability to obtain reasonable financing to purchase a home for my family! Therefore, I am demanding for you to remove all late payments on the accounts listed and accurately reflect 100 % on time payment history since inception of each account or I will take further action to pursue litigation. Please review attachments for the dispute requests and thank you in advance for your immediate attention to this urgent matter.
Consumer complaint received 2018-08-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NY)

last year XX/XX/2017, i answered an ad from my mortgage comp Wells fargo. 
# 1 home campus XXXX XXXX la XXXX//.XXXX  to refie my mortg with them i want to lower my monthly payments the promo they sent me was what I needed at the time, my job was suffering financial cuts Loan # XXXX. 
after drowning me with numerous documents requests back and forth with them, many times asking for the same documents over and over through out the year XX/XX/2017. 
they claim i do not qualify for the promo refie they sent me, instead they sent me documents to start a new mortgage that extended my current 30 term to a 40 year term. i went for it the new mortgage lowered my payments {$250.00} dollars a month i needed to lower my payments i went for it. 
in XX/XX/2017 the mortgage was tranfered to XXXX XXXX XXXX loan # XXXX XXXX.. i feel i was suckered in and was taken advantage of to bait me with an offer they knew all along it wasnt going to be processed/ instead the new mortgage sounded good at the time to extend the term 10 more years, now that i have gotten my feet back on the ground im sorry i went for it at my age XXXX was this bad practice on wells
Consumer complaint received 2021-03-10
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. (TX)

I previously disputed a XXXX Credit Card with account # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} from the first time I saw it on my report back in XXXX because it doesnt belong to me. Over the years, I have sent several certified dispute letters disputing the validity of this item. And I don't agree with Equifaxs or XXXX 's claims that theyve investigated this item. On my last certified dispute letter to Equifax dated XX/XX/XXXX, I requested that they mail me the proof of their investigation within 30 days. It has been more than 30 days and they have not mailed me the proof. Equifaxs claim that the account is verified it's frivolous and unduly. I provided the reason for my dispute in simple language and they had 30 days to perform an investigation and mail me the proof of their investigation. Because this was not done, Equifax should delete this negative information. It has been a terrible experience dealing with Equifax. I have maintained a careful record of my communications with Equifax for the purpose of filing a complaint with the FTC, the Attorney Generals office, and a local court in Texas should XXXX  not remove this account from my Equifax credit reports. See attached
Consumer complaint received 2015-09-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (OH)

I was reported by XXXX department stor being late in XXXX and XX/XX/XXXX with my payment. I did make full payment with interest and late fee in XXXX and XXXX. With this late payment that XXXX reported to all XXXX credit reporting agencies my husband and I were not able to get the top tier interest rate of 4 % for 30 years instead got a 4.25 % for home refinance due to reported late payment that was payed in full. Contacted XXXX department store to get the late payment removed from the XXXX credit reporting agencies but XXXX was unwilling to remove the XXXX late payments even though the fee, interest and balnce as payed the subsequant month.
Consumer complaint received 2022-02-22
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. (CT)

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. I am requesting that you delete all the following ACCOUNTS AND LATE PAYMENT that are inaccurate. Please remove these negative items from my credit report immediately.
Consumer complaint received 2021-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Eastern Account Systems of Connecticut, Inc. (LA)

I originally had a XXXX and had an account with XXXX XXXX XXXX. Eastern Account Systems, a collection agency, I assume, is reporting this account on my credit report. However, on XX/XX/2021, I called XXXX XXXX XXXX and was told that if the account could be paid online, it would be recalled from collection agency. I was able to pay the account in full through XXXX XXXX XXXX ' online system using my account number that same day. After I paid, I called them and told them that I paid the account with the original creditor and was told that they would delete the account on XX/XX/2021. Instead, they just updated the account to paid, as if I paid them. The account should have been recalled when I paid and deleted. I would like this account deleted from all three credit bureaus.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to file a formal complaint against Experian for the inaccurate reporting of personal information on my credit report and their subsequent refusal to correct this information despite my efforts to dispute it. 

- Incorrect Information : 17 non-mailable, outdated addresses, 4 incorrect names, 1 spouse or co-applicant, 2 phone numbers, 1 former employer - Date Discovered XXXX XXXX XXXX XXXX  - Attempts to Correct : Phone call on XXXX XX/XX/2024 [ Representative named XXXX XXXX XXXX Experian 's Response : Representative refused to remove the non-mailable, outdated addresses stating that they were not inaccurate because they were previously used and it was Experian 's policy to continue reporting them. I cited the FCRA regarding reporting inaccurate information and he still refused to make the corrections. He refused to provide me with the company policy and refused to let me speak with a supervisor in order to clarify the company 's policy on reporting inaccuracies. 

Based on his response, i did not pursue the other inaccuracies listed above. 

I believe this inaccurate information has had a negative impact on my credit score which has hindered my ability to obtain further credit. 

I am seeking the CFPB 's assistance in ensuring that Experian : - Conducts a thorough investigation into the disputed information. 
- Corrects the inaccurate information immediately. 
- Provides me with a written confirmation of the corrections made. 
- Complies with the Fair Credit Reporting Act ( FCRA ) which requires the deletion of disputed, unverified information from consumer reports. 
- Provides a copy of their company policy to substantiate the representatives claims, as i believe such a policy would be in direct violation of the FCRA.
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX my SS XXXX my DOB XX/XX/XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CT)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-02-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (UT)

I was detained in the XXXX county jail in XXXX Utah, on XX/XX/XXXX. And was transferred to XXXX XXXX XXXX XXXX in XXXXXXXX XXXX. Where I was released on XX/XX/XXXX. The transactions that occured between XX/XX/XXXX thru XX/XX/XXXX were made without my authorization. I reported it to NetSpend.com card company and have asked for a statement so I can see who made the unauthorized purchases. They haven't sent any statements. Someone fraudulently used my debit card and spent over XXXX dollars on my NetSpend debit card
Consumer complaint received 2022-02-22
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: EQUIFAX, INC. (CT)

My personal information was used to open fraudulent accounts. I found out around XX/XX/2019, when trying to apply for school and being denied loans. I received a free copy of my credit report to find that I had been a victim of identity theft. I immediately contacted the companies listed and was required to file a FTC affidavit, a CFPB complaint and a police report from my local department. All of that information was retrieved and submitted to all companies of fraudulent accounts. I disputed these accounts with XXXX, XXXX and Equifax, because the companies denied giving me information on these accounts, for the reasons of the information that I gave did not match what was recorded within their system. These accounts in dispute were removed because I supplied all required documents. The accounts have now been inserted back into my credit report XXXX  years later as a charge off. I am being held accountable for fraudulent accounts. I am resubmitting required documents as well as an updated FTC affidavit, and the original police report that was submitted during the time of removal.
Consumer complaint received 2021-06-11
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (IN)

After extensive review of credit report after a prior divorce from a fudiciary noticed this account, and have/had no clear recognition of this account/transaction or any of the kind or similar by this company or affiliates. I have tried contacting them on several occasions to inform them of XXXX  status of XXXX XXXX and my XXXX XXXX XXXXf not being able to manage his/her own finances or contract in accordance with 38 CFR 3.353. After calling their customer service number multiple times and disputing the validity of the account all that would be done is more negative marks on credit report and harassment from the customer service representatives that were doing nothing to assist and only making accusations of false claims of XXXX  status from military service related XXXX  and XXXX  related issues.
Consumer complaint received 2022-12-02
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. (MD)

On XX/XX/, and XXXX XXXX, I wrote letters asking Transunion to investigate a late payment. Transunion continued to keep the late payment on my report with no validation nor verification. This is a error that could have been fixed if a federal law investigation was conducted. Please update XXXX XXXX as XXXX  because of the CARES ACT.
Consumer complaint received 2021-03-10
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. (NV)

I received a preapproved loan/letter from XXXX  XXXX XXXX for the purchase of a new vehicle, during the process of purchasing this vehicle from XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Nevada. I explained to the salesman that I had a preapproved loan, after the song and dance I met with the Finance Manager and gave him my loan letter doc number. I told XXXX XXXX do not run my credit because I all ready had a loan. At XXXX pm, Monday XX/XX/2021 I received an alert from XXXX XXXX that a new inquiry was on my account. After checking the information listed in this inquiry, this inquiry was completed by the Finance Manager the night before at the dealership listed above. There was no reason to perform a credit check, I had a preapprove loan. This action was unlawful, I did not have to fill out a application, nor did I sign any document that gave this Finance Manager the approval to perform a credit check.
Consumer complaint received 2022-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (OH)

XXXX XXXX under a collection agency of Jefferson Capital are reporting to my credit for {$300.00}. Time and time again I have reached out to this company and disputed. I asked the original company to show me proof of debt not using automated machines and this has not happened. I have disputed in emails that Jefferson Capital has sent me again asking for validation, proof that I owe this debt and I have not received this. No one is providing me with legitimate proof just responding yes you owe. This is against the law. And if we can not get this taken care of I will have to pursue this legally my rights are being violated
Consumer complaint received 2022-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP (VA)

I paid a bill to XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$42.00}. The original bill was for {$5.00}. On XX/XX/XXXX I received a bill in the amount of {$80.00}. It was explained to XXXX ( CSR ) and XXXX XXXX ( Supervisor ) that this bill was paid in full in XX/XX/XXXX. 

Provided both of them the confirmation number for the payment made in full on the date provided above and still no resolution of this issue. 

My issue here is that this was paid in full and yet still managed to make it to collections which negatively affect my credit report. I'm being advised that there were more than 1 toll bill, yet I have an XXXX XXXX ( to pay for tolls ) and I have never been provided a bill to pay. Suddenly, I receive a bill for {$80.00} for something I never knew about. I suspect they are holding onto the bills and allowing them to incur late charges. I have requested proof of these bills be sent to me, to no avail.
Consumer complaint received 2021-06-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

I have a car loan with Citizens One Bank. Im at the end of my loan payment for 72 months never late. I have been paying more than I need to pay for years to get my loan paid down faster. On XX/XX/2021 my loan payment due date the loan principal was {$1600.00}. Since Im ahead on my loan payments my XX/XX/2021 payment was XXXX. However, I paid {$200.00} on XX/XX/2021. Now my principal balance as of XX/XX/2021 Billing statement is XXXX. {$5.00} was used for the interest. 

Then I looked on my Citizens One Web page and my bill has gone from {$1400.00} to now XXXX Principal balance. My next month payment was {$260.00} for XX/XX/2021. Now its changed to {$490.00} for the month of XX/XX/2021. Without my knowledge or consent with Citizens One someone reversed my payment of XXXX making the XX/XX/2021 to {$66.00} to my principal instead of my regular payment. With {$130.00} missing out of my account and I have not received a refund. 

I called on XX/XX/2021 to an agent who gave me a conformation number of XXXX regarding my issues. Then Hung up the phone one me soon after. Then I called back to Citizens One requesting a supervisor then I was transferred, and the phone call was disconnected again. Then I decided to file a complaint with the Consumer Financial Protection Bureau. I want my payment to be changed back to the principal balance of {$1400.00} with the {$200.00} payment I made on XX/XX/2021 billed to the regular payment. I'm still ahead on my loan payments. My loan payments are {$49000.00} a month. My last loan payment with Citizens One is XX/XX/2021. 
Requesting my bill to be reversed back to the Billing statement of XX/XX/2021.
Consumer complaint received 2021-12-21
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. (GA)

XX/XX/2021 Certified Letter Sent to Bureau Demand for Verification XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Affidavit with Proof of Identity Theft and Violations XX/XX/2021 Final Follow Up and Response Requested and Demand for Removal XX/XX/2021 Legal Action Notification and Demand for Response My name is XXXX XXXX. I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail Equifax, XXXX, and XXXX on 5 separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts, FCRA 605B, 615 ( f ), and 623 ( a ) ( 6