davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

Hello I reached out to you guys months ago about Experian deleting incorrect information which included unlawful late payments and fraudulent inquiries and when I informed them they investigated and removed them and my score jumped up XXXX points to XXXXty and when I contacted you guys about how they refused to really do they job and I filed a complaint they retracted the points and my score hasnt gone pass XXXX score, I have no inquiries any more no collections good mix of credit accounts and one inaccurate account they refuse to delete or correct do to USC 15 1681 ( A ) ( 2 ) ( i ) from XXXX XXXX XXXX XXXX I did not miss the payment and they refuse to acknowledge it, but where here about my credit score thats not correct
Consumer complaint received 2022-02-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2022-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (AR)

Hello my name is XXXX XXXX and this is my complaint it is on two credit card companies one is Chase XXXX credit card and the other is XXXX XXXX I have always made my payments on time sometimes I make two three payments a month not trying to ruin my credit or anything but they are and I've got proof every time I try and talk to him they get rude and hateful with me they won't listen they keep telling me they don't receive my payments when I know for a fact they do because it's in my bank statements my text notifications and everything else I've got pictures I will send please can somebody help me I'm a single full-time father and one of these days I'm going to need to rely on my credit don't let these two ruin me
Consumer complaint received 2022-03-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Santander Consumer USA Holdings Inc. (FL)

Santander Consumer USA on XXXX, XXXX, 2022 repossessed my car without notice or warning. My current address is XXXX XXXX XXXX XXXX. Inside the car was personal information and property that belongs to me. I also have reason to believe with a UCC Lien search that Santander does not have a lien on the property. Therefore Santander consumer USA stole my property without giving notice of any kind to the owner. The public was made known of the ownership of the vehicle. In the event that this was a mistake or misunderstanding, I am making a good faith effort to rightfully reclaim my property. Any items or information compromised due to the negligence of Santander will be repaid and returned to me. I have made several attempts to call and communicate with Santander. Please see Florida statutes 537.012 ( 2 )
Consumer complaint received 2022-07-05
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. (AR)

i have asked Experian and XXXX to remove the following unauthorized inquiries as they are not correct and I have not given permission for such inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remove all of these unauthorized inquiries immediately
Consumer complaint received 2022-07-05
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. (SC)

I attempted to resolve this with the agency and was advised to do what I need to do. 

They posted this account all XXXX  with the incorrect date which even if corrected is still in violation of the FCRA as it impacted a credit decision. The XXXX  are also in violation of FCRA for recklessly reporting this account. 

The agency is attempting to re-age a debt that if in fact is mine is nearly ( 6 ) six years old.

My initial request was to just have them remove this from the XXXX without seeking damages. I am now requesting that XXXX  remove these accounts from XXXX.
Consumer complaint received 2022-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (MI)

I am a natural person/consume/creditor. On XX/XX/22, I extended credit to Macy 's XXXX XXXX in good faith pursuant to 15USC1691 ( 3 ). Pursuant to 15USC1602 ( l ), a consumer credit transaction was created upon giving my credit card number. This transaction did not benefit me as the consumer according to 15USC1602 ( p ). The customer associate gave me a record of transaction stating that I'd receive a letter in the mail from Macy 's credit department about my application.

Imagine the hurt and disappointment I felt walking away from that customer service counter, especially with others being witness to this transaction. It was utterly humiliating. I extended credit in good faith that I'd receive credit, because the law clearly states only twXXXX reasons for denial : insurance and employment. This transaction did not involve either. I was in a bout of depression all weekend. 

On XX/XX/22, communication of adverse action came in the mail from Macy 's. The denial was for number of credit burea inquiries based in whole or part on information obtained from XXXX. I did not extend my credit to XXXX ; I extended my credit to Macy 's. I never gave written consent for these parties to share my personal information. 

Macy 's blatant disregard for my rights and their boldness to break the law has resulted in this complaint.
Consumer complaint received 2022-07-05
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX ), has violated my rights. 

In accordance with the Fair Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX  ), has violated my rights. 

In accordance with the Fair Reporting act XXXX  Account # ( XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022, has violated my rights. 

In accordance with the Fair Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX ), has violated my rights. 

n accordance with the Fair Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX, has violated my rights In accordance with the Fair Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX XXXXXXXX ), 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 an account without my written instructions.
Consumer complaint received 2022-02-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Specialized Collection Systems, Inc. (TX)

I have sent several letters to dispute this item and no response. The first letter sent was a Hipp letter on XXXX and no response or removal. I sent a failure to respond XX/XX/21 no response and it is still on my credit report as of now. The amount of the account is XXXX and still not response on this account that should be removed by now after several attempts.
Consumer complaint received 2022-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (CA)

I made Purchase for pool equipment that was never delivered. I contacted XXXX and receive confirmation that the item was not delivered to my home I contacted PayPal and initiated a dispute investigation requesting for the seller to provide proof of shipping and proof of delivery. I never received anything from the seller, no proof of shipping and no delivery. After 10 days of waiting, PayPal found in favor of the seller. The seller did send my purchase and did not provide proof of shipping, the tracking number the seller sent was to an address that isnt mine Nd not in my name. I have paid {$410.00} for an item I never received and PayPal papers to have no interest in resolving the matter in an honest and fair manner.
Consumer complaint received 2022-03-21
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. (TX)

XXXX XXXX 's account was charged off in XX/XX/2017 and since then it has been reporting monthly as a charge off. Also all three bureaus are reporting different information and that which is a violation. I have written letters to all three bureaus asking that this account be removed for the violation and wrong information, and XXXX and TransUnion are still reporting the account. Since my last complaint to TransUnion they said they were unable to verify my address or identity. Since then I have sent my ID and a utility bill reflecting my current address.
Consumer complaint received 2022-02-12
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. (TX)

Months ago I sent this dispute to you CFPB along with the 3 credit bureaus Experian, XXXX XXXX and XXXX - to remove accounts that I have paid the original creditor now going over two years ago and it show as collection with balances which by law is a violation of incorrect information on my credit reports. 

I am requesting that the following inaccurate items be immediately investigated. I PAID OFF in FULL to original creditors. Please delete this misleading information in order to show my true credit history. By provision of 15 USC section 168i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record. 

XXXX XXXX XXXX XXXX Original creditor : XXXX  XXXX Account number XXXX Collection opened XX/XX/XXXX Account type Collection XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX Account type Open account
Consumer complaint received 2022-07-05
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OH)

XX/XX/2022 - Loan sold to Newrez LLC XXXX # XXXX XX/XX/2022 - Husband and I set up automatic payments XX/XX/2022 - XXXX Automatic Payment did not come out ( we have confirmation email ), we realized husband 's name was not added to Newrez account even though all loan documents signed at title agency were signed by each of us and his name is recorded XX/XX/2022 - Paid one time payment. Set up auto-pay AGAIN ( we have a XXXX confirmation email ) per Newrez directions. We were told husbands name would be added to the account and that Newrez did in fact have the documentation to prove his name should be on the loan XX/XX/2022 - XXXX Automatic Payment did not come out again ( we have a confirmation email ), we realized husband 's name was AGAIN not added to Newrez account XX/XX/2022 - Called Newrez again. They're saying the bank account number for automatic payments couldn't be located and that's why they haven't taken them. Paid one time payment with the account they said couldn't be located. 

There is a problem with their payment system as every time we made a one-time payment, the same bank account number they " can not locate '' is the one we've paid with. I am wondering how many other VA home loan borrower 's have been affected by this and have been charged fees/marked delinquent/have taken credit hits because Newrez will not fix their system. We have an email trail of payment set-ups and modifications from when we have talked to customer service that is attached below. 

In addition to a faulty payment system, they also have poor recording and documentation practices. My husband 's name has yet to be added to a loan for which he is a co-borrower, and none of our payments or the fact we have a home loan has showed up as being reported to either of our credit. 

This feels a lot like breach of contract at best, and fraud at worst. Something isn't right and VA home loans should NOT be allowed to be serviced by this company.
Consumer complaint received 2022-07-05
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2022-07-05
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: DISCOVER BANK (CA)

Discover has been reporting this account since 2017. I have made several disputes to DELETE account due to inaccurate information. 
Discover has been reporting inaccurate information since 2017 and refused to delete from my credit after many attempts. 
Discover also refuses to provide original contract.
Consumer complaint received 2022-12-04
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. (IL)

My mail was forwarded online at USPS to an unknown person at address XXXX XXXX XXXX XXXX Indiana in XX/XX/2022. Starting XX/XX/2022 they used my ssn and opened an account with XXXX XXXX XXXX  I contacted USPS and they opened a case to stop my mail being forwarded fraudulently. I told a rep for first XXXX I was the victim of identify theft and fraud. I also filed a police report with my town XXXX Police Department in XXXX, IL. I have a credit fraud and freezes on my accounts. They also tried to use my XXXX credit card but were denied. 

My credit has taken a massive hit and XXXX XXXX  continues to keep dinging my credit. 

The balance is over {$900.00} now that some person in Indiana racked up. 

My police report number with XXXX Police Department is XXXX
Consumer complaint received 2022-03-21
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (FL)

1. VW Credit refuses to provide me with a payoff quote amount today XX/XX/2022. I went on line & says i have to go to one of their chosen dealers & purchase another V.W to get payoff quote.

2. When calling i get the same response & refusal to provide this basic information.
Consumer complaint received 2022-07-05
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 an account without my written instructions
Consumer complaint received 2022-03-21
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. (VA)

It is necessary to reopen CFPB XXXX XXXX. : XXXX, as despite several attempts to correct this reporting error, including with CFPB in which each time the credit reporting agency failed to address the issue- the matter remains unresolved. Experian incorrectly calculates the credit card capacity ratio by including the XXXX XXXX XXXX loan, which is a mortgage and not a credit card product. Instead of a 38 % ratio as reported by Experian, the actual ratio should be approximately 5 % as reported by XXXX and XXXX. This correction will add at approximately XXXX pts to the credit score.
Consumer complaint received 2021-08-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OK)

Portfolio Recovery is illegally reporting a 19 year old debt of a XXXX XXXX XXXX XXXX and XXXX XXXX credit card that was opened in XX/XX/XXXX. The law states that after 7 years the debt should be removed off of my credit report ; but Portfolio Recovery keeps reporting it as a new debt. They can not report old debt as new. Ive disputed with them and the credit reporting agencies, but it is NOT getting removed from my credit report. It should not have showed up after XX/XX/XXXX ; however it was just recently reported on XX/XX/XXXX. The removal date keeps changing each time they report it as new. Please help me get this debt removed off of my credit report.
Consumer complaint received 2022-02-12
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: EQUIFAX, INC. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXXXXXX XXXX  XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-05
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 an account without my written instructions
Consumer complaint received 2019-08-01
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. (CA)

The following accounts were on my credit report as Charge off with balance : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.. the payment history of late payments are completely inaccurate, and lacking.. I paid the account in full, no balance ... Date of last activity is also not correct. So many errors! CFPB step up and remove this listing