davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-06
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. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-07
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. ()

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/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. I REALLY APPRECIATE IT IF YOU UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX
Consumer complaint received 2022-03-07
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. ()

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 Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. I REALLY APPRECIATE IT IF YOU UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2022-03-07
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. ()

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 TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. I REALLY APPRECIATE IT IF YOU UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2022-07-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (CA)

XX/XX/XXXX TO WHOM IT MAY CONCERN : MY NAME IS XXXX XXXX. 

THE ACCOUNT ON MY CREDIT IN QUESTION IS CALIBER HOME LOANS. 

MY ACCOUNT IS SHOWING ( 18 ) LATE PAYMENTS ( 120 DAYS ) WHILE I WENT THROUGH A FORBEARANCE PROGRAM THAT I WAS TOLD WOULD NOT AFFECT MY CREDIT AT ALL BUT IT DID. 

I HAVE TRIED TO FIX THIS PROBLEM BACK ON XX/XX/XXXX. NO RESPONSE AND MY CREDIT REPORT REMAINS THE SAME. 

ON XX/XX/XXXX, I CALLED AGAIN AND WAS TOLD THE FORBEARANCE PROGRAM WOULD NOT AFFECT MY CREDIT SCORE. THEY SAID IT SHOULD OF NOT BEEN REPORTED ( 120 DAYS LATE ). 
THIS HAPPENED IN XXXX AND XXXX. 

THEY ALSO CONFIRMED THEIR RECORDS SHOW ALL PAYMENTS MADE ON TIME. I HAVE ACCOUNT STATEMENT SHOWING EVERY PAYMENT WAS ON TIME. 

I WOULD APPRECIATE THIS TO BE TAKEN OFF MY CREDIT REPORT IMMEDIATELY. 
THIS HAS CAUSED ME FINANCIAL HARDSHIP FOR NO REASON.
Consumer complaint received 2022-03-07
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: Credit Corp Solutions Inc. (OH)

My personal information was stolen and compromise. I have file a police report. These account were open without my permission. This accounts are with the following collection agency : Credit Corp Solution XXXX XXXX {$1400.00}, XXXX XXXX {$2100.00}, XXXX {$1200.00}, XXXX XXXX {$1300.00} ), XXXX, XXXX, & XXXX (XX/XX/XXXX {$2200.00} ) XXXX XXXX XXXX {$960.00} ) XXXX ( XXXX XXXX {$770.00} XXXX XXXX ( {$590.00} ) XXXX XX/XX/XXXX ( {$1900.00} ) XX/XX/XXXX( {$240.00} )
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I was reviewing my credit report and was sent into an anxious spiral upon reviewing it. It is clear to me that the agencies did not do their jobs to make sure that the items and information that they were reporting was accurate and this has in turn affected my life quite negatively. The information being reported is inaccurate and just incorrect and needs to be corrected.
Consumer complaint received 2020-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

My Oregon Tax refund check deposited in XX/XX/XXXX was cashed by B of A from the dept of revenue, but never posted to my account balance. In XX/XX/XXXX ' they verified this with no explanation, and requested I re deposit check electronically, Which I did. They posted the {$300.00} to my acct. for several days, then reversed it and told me Oregon dept of revenue rejected it, due to being more than 120 days old. Oregon says it Was withdrawn from Their account and won't reissue. B of A told ME to have Oregon file a claim against Them, to get MY money back!
Consumer complaint received 2018-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Filed a dispute with the credit bureau all 3, Experian, XXXX and XXXX and the collection agency ( XXXX XXXX XXXX ) on XX/XX/18 with an account that I have no knowledge of this account or the amount owed of {$610.00}, where is this amount coming from? Dispute came back as verified on XX/XX/XXXX but yet I have no proof of how this account was verified and no information was provided that the account even belongs to me. What was the method of verification used? I have no contract or anything that this account belongs to me or much less that I owe them {$610.00}. This collection is hurting my creditworthiness.
Consumer complaint received 2022-06-20
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 Federal Trade Commission Identity Theft Report, identification documentation and a partial Equifax credit report showing they deleted the XXXX credit inquiry which is still listed on my Equifax credit report. The following accounts and credit inquiries listed on my XXXX and Equifax credit report are fraudulent, unauthorized and not my accounts or credit inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The accounts and credit inquiries are all fraudulent, unauthorized and not mine. I have sent XXXX and Equifax the Federal Trade Commission Identity Theft Report along with a police report case number, but XXXX and Equifax continues to keep to put and keep the fraudulent accounts on my credit report. The XXXX XXXX account has been deleted and removed from my XXXX and Equifax report twice, by XXXX XXXX Equifax, but the XXXX XXXX account is back on my XXXX and Equifax credit report. I sent XXXX and Equifax all kinds of documentation proving I am a victim of identity theft, but XXXX and Equifax continues to put fraudulent accounts and the same fraudulent accounts, XXXX and Equifax has deleted previously on my credit report. This is very frustrating. The CFPB, U.S. Congress and the U.S. Department of Justice need to investigate XXXX, Equifax and XXXX XXXX for violating the Fair Credit Reporting Act under Federal law. The U.S. government needs to take over the credit bureau industry because XXXX, Equifax and XXXX XXXX dont listen to the consumers. They violate the FCRA constantly and do whatever they want to do.
Consumer complaint received 2022-03-07
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. (PA)

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 TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. I'D REALLY APPRECIATE IT IF YOU UPDATE OR REMOVE THIS ACCOUNT FROM MY CREDIT REPORT : XXXX XXXX XXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2020-07-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

TSI Collections has reported a collection account to my XXXX, XXXX & XXXX credit files. I do not owe this alleged debt. If TSI has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account via contractual documents stating and proving that I agreed to and that I am responsiblefor this account. TSI has no legal right to attempt to collect a debt. TSI has not validated this debt nor sent me a notice of collection. TSI is inviolation of the FCRA.
Consumer complaint received 2018-08-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (TX)

I took a private student loan with XXXX XXXX last fall with my mom as cosigner. I withdrew in XXXX, which was early enough not to affect my transcript. However, no money was refunded to my loan. I have been left owing the full amount for that semester, which was XXXX. That loan has a ridiculously high interest rate for students in the first place, XXXX and they will not budge in order to help someone struggling!! XXXX XXXX will not even reduce the amount owed for a part time worker who is going back to college this fall. I don't feel that I should owe such a huge amount for only 2 months at that university!! XXXX XXXX is a complete ripoff!!! I do not advise anyone to use them!! Even if I pay only on the interest, my payment is still too high and basicly accomplishing nothing!!! I need help desperately wi th someone who will take my loan at a lower interest rate with a manageable payment, or to negotiate with XXXX XXXX to reduce the amount and reduce the interest rate!!!
Consumer complaint received 2021-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Dynamic Recovery Solutions, LLC (WV)

XXXX XXXX {$6900.00} DYNAMIC RECOVERY SOLUT XXXX {$1400.00} DYNAMIC RECOVERY SOLUT XXXX {$880.00} XXXX XXXX XXXX {$1000.00}
Consumer complaint received 2022-07-24
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. (RI)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A : States I have the right to privacy. 

This account does not belong to me. I was added as a temporary authorized user and was previously removed by the primary account holder of this account. I have attempted to rectify this issue with the company to no avail or proof providing this account was opened by me and belonged me.
Consumer complaint received 2022-07-24
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: V and H Portfolio (FL)

XXXX {$130.00} XXXX {$690.00} XXXX {$620.00} XXXX {$2300.00} XXXX {$1400.00} XXXX XXXX XXXX {$2600.00} XXXX {$560.00} XXXX {$500.00} I wrote letters and called these companies to have these items removed from my report, has not happened as of yet.
Consumer complaint received 2022-03-07
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 (PA)

this company DISCOVER BANK clams charged-off with a owed balance of {$5400.00} This is a formal notice that your claim is disputed. they have false, inaccurate and fraudulent information reporting on my credit report including but not limited to incomplete account number. I have been treated poorly, and financially hurt due to these issuesi recently got a copy of my credit report and i am shocked to see fraudulent information being reporting on my report wish has decreased my credit score wish has finaicailly hurt me! i am super upset because this has gotten me denied for a car that i need to get to and from work wish not i have been fired wish not im not even ablle to take care o me family. i need this issue fixed as fast as possible!
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Velocity Portfolio Group (IL)

I cantacted CKS PRIME INVESTMENT XX/XX/year>, in regards to a collection account reported to the credit reporting agencies. The collection account balance is paid in full, but the account is showing active on my credit reports. 

I called CKS Prime Investment and requested that the collection account information be removed from the credit reporting agencies due to the account has a XXXX balance. 

I was advised by the suppervisor that CKS Prime Investment will not or they do not removed negative information from consumers credit reports even if the account balance is paid in full and have a XXXX balance.
Consumer complaint received 2022-07-24
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # 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 customer Reporting agency cannfurnish a account without my written instructions.
Consumer complaint received 2018-12-19
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: ID Analytics, Inc. (CA)

I was denied a loan by XXXX XXXX XXXX after two inquiries provided misleading and inaccurate information. The two companies that provided the derogatory information were XXXX and XXXX XXXX. I have requested specific information from all three entities to elaborate on this information used against me and gotten no response.
Consumer complaint received 2019-11-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ACS Education Services (AZ)

I received a loan from my school, serviced by Conduent Education, for {$3300.00} ( 5 % interest rate ) for the XXXX - XXXX school year. I remained in school through graduation in XXXX. In XX/XX/XXXX I noticed my credit report showed my loan through Conduent Education was 2 months late. Prior to this I had never received any communication directly from Conduent Education regarding my loan. After contacting them, and submitting documentation, I was able to get my deferment status reinstated. 

I started paying my loan with Conduent Education in XX/XX/XXXX, while it was still in deferment. I paid the loan in full on XX/XX/XXXX. My deferment ended on XX/XX/XXXX. Based on my payment date, I should have been reimbursed for 14 days of interest, as I paid for a month of interest based on the statement. I was never reimbursed that amount, nor was I issued any paperwork indicating my loan with Conduent Education was paid in full. 

Additionally, I was charged a {$3.00} fee even though my account was never late. It was supposed to be in deferment until the XX/XX/XXXX, when I paid it in full. I contacted Conduent Education explaining the above ( fee and interest overpayment XXXX on XX/XX/XXXX, and never received a response. 

To this day I have not received any information from Conduent Education regarding my loan being paid in full. My loan is also no longer being reported to the credit bureaus. I have no official proof indicating my loan was paid off. I can not log on to my Conduent Education account. They do not have an email address posted, and their phone numbers are disconnected. I understand that Conduent Education is no longer servicing student loans as of XX/XX/XXXX ( per their website ), but these issues occurred prior to that. 

I am entitled to documentation stating my loan obligation is fulfilled, as well as a refund of incorrect fees and interest overpayment.
Consumer complaint received 2022-06-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (TX)

I am a federally protected consumer and a natural living person. I am aware that this company by the name of SEQUIUM ASSET SOLUTION, is committing fraud and claiming that I owe this company an alleged debt. I hereby refuse this alleged debt and request that this company provide me with documentary evidence which shows that I legally owe this company this alleged debt. I am also aware that this company has violated the Fair Credit Reporting Act by reporting unfair and inaccurate information as according to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) information solely as to transactions or experiences between the consumer and SEQUIUM ASSET SOLUTION should be excluded from personal reports. I am saddened to see that this company thrives on deceiving its consumers and hope to find a resolution to this problem.
Consumer complaint received 2022-03-07
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. (CA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the following accounts completely from my Credit Reports : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (OH)

I reached out to this financial institution on numerous occasions, via phone call in XX/XX/XXXX and also by via USPS Certified Mail letters. I informed this company that they have in fact violated the FDCPA ( Fair Debt Collection Practice Act ) 15 USC 1692a ( 3 ) pertaining to the alleged loan they claim I owe on my vehicle. I received no response from this company. 

On XX/XX/XXXX I forwarded a certified document to this company- a letter of violation, demand and written instructions along with an affidavit of truth to validate the federal law they have violated.
Consumer complaint received 2023-06-12
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. (NY)

They reported that I was 60 days late to pay. I was never late for my lease. They offered a settlement for the remainder of the lease over mileage and I paid it. If I knew that it would affect my credit score I would have paid the whole amount.
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the following accounts completely from my Credit Reports : XXXX XXXXXXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXXXXXXXXXX XXXX XXXX  XXXX