davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-25
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)

XXXX  XXXX XXXX  {$4500.00} XXXX XXXX XXXX {$2400.00} not mine, no knowledge of accounts hippa violations
Consumer complaint received 2018-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX   {$2400.00} not mine, no knowledge of accounts hippa violations
Consumer complaint received 2020-02-04
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. (NC)

XXXX XXXX XXXX is reporting an account on my personal credit report that is not mine and is a result of fraud. Credit reporting agency did not fix after initial dispute. Contacted XXXX XXXX XXXX to have account closed, but they did not remove it from my credit report.
Consumer complaint received 2018-10-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: AmeriCash Holding LLC (IL)

The company put a garnishment on my payroll.I wasnt informed about it until two days before.Legally I have a right to revoke the garnishment, but the garnishment department is telling me othereise. The garnishment started XX/XX/2018..I got letter in mail on the XXXX ... I didn't sign a garnishment wage form..
Consumer complaint received 2018-10-25
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc. (TX)

In XX/XX/2018 I sent a certified with return receipt letter to National Credit Systems to Cease and Desist contacting me. I also included a check for the amount of {$490.00} as that is what the ledger states that I owe from the original creditor. I also provided my new address. After a month of not hearing from the company and noticing the check that was sent to them had not been cashed I contacted them directly. They stated that I owed {$4900.00} and that they mailed my check back to me, which I have never gotten back. 

They now continue to call me repeatedly throughout the week and leave voicemails and I will not answer there calls. This is why I am filing the complaint.
Consumer complaint received 2018-10-25
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Recently, our mortgage account was transferred from Select Portfolio Servicing, LLC to XXXX XXXX XXXX. XXXX XXXX XXXX have rejected our payment claiming that the amount due is {$45000.00}. We entered into a contract with previous servicer and is therefore binding. I have attached the repayment agreement on which i have abided by terms under the new contract. The contract states the repayment plan expires on XX/XX/XXXX, yet XXXX XXXX XXXX  are requesting an amount the does not comply with our contract. XXXX XXXX XXXX have engaged in Floridas deceptive business practices. The servicer continues to deny that such contract exist and moving forward with the foreclosure action. OnXX/XX/XXXX, i have been making payments timely accordantly to the contract, however the foreclosure case was never dismissed. When a defendants enters into a repayment plan the foreclosure action must be dismiss because the defendants have entered into a loss mitigation agreement with servicer. The foreclosure action has not been dismissed and XXXX  is seeking a sale date yet i have been making timely payments sinceXX/XX/XXXX. We ask the Consumer Financial Protection investigate this matter, it is clear on its face that XXXX XXXX XXXX  have engaged in Fraudulent banking and business practices.
Consumer complaint received 2017-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (TX)

XXXX XXXX and XXXX XXXX XXXX is being reported as a medical debt owed. However, no such debt is owed due to my insurance paid the original creditor. Also, I was not given notice that I owed a medical debt. I seen this on my credit report for the first time.
Consumer complaint received 2022-07-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP (NC)

I purchased a car, the car have been back to the dealership more than 5 times. I n having a problem with the battery and the etc. It's pulling on the car that makes it hard to turn. I need the credit information to be corrected. I never paid late. I have been try to make sure the car is driving safe. But, the pulling on my car is making it dangerous
Consumer complaint received 2020-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (GA)

On XX/XX/XXXX I filed a dispute through both XXXX and XXXX  for the debt collections company IC systems. I have never had any contact with this business or company nor the company they are collecting for which is XXXX. I have never owned an account or done any business with companies. I do not understand why this fraud claim is being reported on my credit report and it needs to be removed immediately for hurting my credit score and being fraud.
Consumer complaint received 2018-10-27
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I am a victim of Identity theft, someone earlier had opened a store credit card in my first name and my ex-husbnad 's last name. That name is not my legal name. A dispute was filed, complaints were mad to FTC, the clothing retailer the bank that handles their card. I received a letter in the mail on Thursday XX/XX/XXXX that someone tried to apply for a XXXX XXXX clothing company store credit card in that same name. The bank that handles their store credit card is Capital One. Of course, by security freezes and fraud alerts have been placed with the credit repoting agencies. So capital one has denied the application. I would like Capital One and XXXX XXXX to furnish me with information pertaining to the person who applied for this credit card in my first name and my ex-husband 's last name. The credit agency that handled this inquiry was XXXX.
Consumer complaint received 2018-10-25
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. (AZ)

XXXX XXXX assures me that they only made One credit inquiry and that was on the XX/XX/2018. But, Equifax shows that two Hard Inquiries were made by XXXX XXXX first on XX/XX/2018 and again on XX/XX/2018. I notified both Equifax and XXXX XXXX about this discrepancy on my Equifax Credit Report. XXXX XXXX insists that they show only 1 inquiry to Equifax which was done on XX/XX/2018. Nothing in their records to show an additional inquiry on XX/XX/2018 or anytime after XX/XX/2018. I reported this to Equifax and was told to Contact XXXX XXXX to have the additional inquiry removed by request. I did, and XXXX XXXX insisted they can not do that as they only made an inquiry on XX/XX/2018 and can not remove something they have no record of. Equifax told me that Equifax merely records requests from their customers when made and they can not be remove by Equifax. I feel like a tennis ball bashed back and forth in a never ending match. I have been using XXXX XXXX to keep track of my credit history for a couple of years now and that is how I discovered the error with XXXX XXXX. I have been trying to get a resolution to this with both XXXX XXXX and Equifax since I was made aware it happened when I checked my Credit Report on XX/XX/2018 with my last complaint to XXXX XXXX and Equifax on XX/XX/2018 I obviously need higher help.
Consumer complaint received 2018-10-25
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. (HI)

I have disputed the late payments on this XXXX XXXX XXXX account 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 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I have received your recent correspondence from the Complaint regarding the reinvestigation of the accounts mentioned in my previous communication. However, I remain unconvinced by the information provided, as it differs significantly from the data presented by other credit reporting agencies.
Consumer complaint received 2018-10-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (KS)

Radius Global recently reported a medical bill on my credit report. Prior to reporting this bill on my credit report, they did not send me a 30 day notice to dispute. I am certain my insurance paid this bill, yet I was never given the opportunity to address this issue before Radius Global reported this item.
Consumer complaint received 2018-10-25
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)

To Whom It May Concern, It occurred to my attention that I have four inaccurate hard inquiries incurred on my account without my knowledge or consent or by error in the last year. These inquiries have affected my credit standing despite its clean history. These are the following inquiries that I don't recognize and which I hope you could kindly help fix and remove from my credit reporting : XX/XX/XXXX : an inquiry from XXXX XXXX. I don't recognize this inquiry nor have I applied to any credit of such type this year.

XX/XX/XXXX : an inquiry by informative research. I don't recognize this inquiry nor have I applied to any service of such type this year.XX/XX/XXXX : an inquiry by XXXX. I don't recognize this inquiry nor have I applied to any credit of such type this year.XX/XX/XXXX : XXXX XXXX XXXX. This was a collection inquiry that was resolved and removed per complaint no. XXXX submitted on XX/XX/XXXX to CFPB after finding that it was filed on my behalf upon incorrect information.

The only inquiry I recognize from the last two years is my application to XXXX XXXX  load on XX/XX/18.

I kindly ask you to investigate these inquiries, report them to the bureaus and do all necessary actions to remove them from my record as I have no knowledge or consent on their submittals.

Thank you for your consideration.

XXXX XXXX
Consumer complaint received 2017-06-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I had a checking account with Bank of America, that was closed due to " suspected '' fraud activity. Bank of America explanation of the alleged activity was not sufficient and I denied the allegations. They still elected to close the account and further report the reason to XXXX And XXXX. <P/>I have attempted on several occasions to remedy the situation as I 100 % do not agree with the account being closed and furthermore the negative trade line that was listed on XXXX and XXXX. <P/>To date, I have sent two emails to the CEO. I have mailed two letters to the account closure department and I have also spoke to someone in the credit reporting department for Bank of America. <P/>All these departments are unwilling to help with the situation. I have explained in the great detail of what happened and also explained that the negative and unproven item being reported To XXXX and XXXX has hindered me from joining other banks and moving on. I have requested they remove it with each communication. Their response has been a firm " no. '' It is really unfortunate that even the CEO office has not even taken the time to discuss this 4 year old situation with me and bring a resolution to it.
Consumer complaint received 2018-10-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Byrider Franchising, LLC (PA)

XXXX  Complaint XX/XX/XXXX I have had a loan with XXXX   sinceXX/XX/XXXX. I changed jobs on XX/XX/XXXX. My paydates changed and I was now getting paid on the XXXX   and XXXX of the month. I immediately contacted XXXX to advise them of the change in my paydates. I spoke with several employees there and was told to send then a letter from my boss showing my paydates and I would be fine. My loan still has not been adjusted.The paydates XXXX   has me on shows my payments scheduled a week or more before my actual paydate. During some months with 5 weeks XXXX expect me to make a payment. How when I get paid semi-monthly. When I had extra money I had no problem making those extra payments. I don't have the extra that's why I asked to change my due dates. XXXX the Account Manager says repeatedly XXXX  don't change dud dates. She continues to refuse to change it, but they consistently call me for payments and I hadn't gotten paid yet. I only have 1 year left to payoff my loan. Now this will be my 2 payoff auto loan with XXXX. I am only asking for my due dates to be changed to th XXXX  and the XXXX ; witch are my paydates. Thank you for your assistance with this matter
Consumer complaint received 2023-03-20
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)

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 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 2018-10-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION (NE)

I have contacted Navy Federal several times regarding the 24 returned check/ach fees. They agreed to credit 11, however I explained the situation, and how I was dealing with XXXX. They also allowed a charge to go through on an account that did  not have overdraft protection. I have asked them to resolve their error, but they keep giving me the run around.
Consumer complaint received 2022-07-11
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: Experian Information Solutions Inc. (AL)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2018-10-25
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. (FL)

The account XXXX ACC XXXX status is late..How is this even possible when payments are secured on time..I contacted the credit bureaus but I did not get a response yet..I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without contacting me first..CFPB Please step up and reverse the late payemt
Consumer complaint received 2018-10-21
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (IN)

I submitted a payment on XXXX to pay off Loan XXXX Stafford - Subsidized with the amount of {$1300.00}. 

On XXXX, Navient attached an additional balance of {$430.00} to the loan amount with no explanation as to where the new balance is coming from.
Consumer complaint received 2017-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER BANK, NATIONAL ASSOCIATION (IL)

Santander Bank offered a promotion of funding {$220.00} banks after certain conditions were met. Those conditions include direct depositing an amount of {$500.00} or more, and keeping the account open for 90 days. Terms and conditions say it may take up to 30 days for funds to appear in the account after the 90 days. I open an account and funded the initial deposit on XXXX XXXX, XXXX. It has been 125 days since that date. I made two direct deposits to the account, each of a sum of {$500.00}, on the XXXX of XXXX ( approx. 30 days after account opening ) and another direct deposit on the XXXX of XXXX ( approx. 45 days after initial deposit ). I have established good standing with the account and no fees applied, due to continuation of direct deposit. After not receiving and funds after 120 days, I called the bank. A customer service representative told me I should call back later in the week if the funds were n't posted. I called back later that week, and was given a reference number. Was told to call on the following Monday. I called on Monday, and was notified that the bank was performing 'research ' to establish if I would receive the funds from the promotion. I believe the bank is delaying paying me in hopes not to provide the funds offered from the promotion for fraudulent reasons.
Consumer complaint received 2018-10-25
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. (FL)

No entity may include in a consumer 's report any adverse information deficient of physically verified validity of truth accuracy completeness and compliance..CFPB Delete the accounts XXXX XXXX XXXX-XXXX, XXXX XXXX XXXX
Consumer complaint received 2018-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

No entity may include in a consumer 's report any adverse information deficient of physically verified validity of truth accuracy completeness and compliance..CFPB Delete the accounts XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX HOSPITAL ) XXXX
Consumer complaint received 2018-10-25
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. (FL)

No entity may include in a consumer 's report any adverse information deficient of physically verified validity of truth accuracy completeness and compliance..CFPB Delete the accounts XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX HOSPITAL ) XXXX
Consumer complaint received 2018-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX   XXXX, XXXX XXXX,
Consumer complaint received 2018-10-25
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. (NJ)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX Equifax : XXXX XXXX : XXXX. XXXX XXXX  Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX  Equifax:XXXX XXXX : XXXX XXXX : XXXX XXXX  Equifax : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX   Equifax : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX Equifax : XXXX   XXXX : XXXX XXXX : XXXX , XXXX Equifax : XXXX  XXXX  : XXXX XXXX  : XXXX XXXX XXXX XXXX   Equifax : XXXX XXXX  : XXXX XXXX : XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX  Equifax:XXXX XXXX : XXXX XXXX XXXX : XXXX , XXXX XXXX XXXX XXXX   Equifax : XXXX XXXX XXXX XXXX  Equifax : XXXX XXXX : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-12
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: EQUIFAX, INC. (FL)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.