davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-12
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. (NY)

I sent letters to all three major bureaus the date of the last letter to TransUnion was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means XXXX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 

XXXX XXXX XX/XX/XXXX {$90.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX
Consumer complaint received 2018-05-06
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: EQUIFAX, INC. (GA)

I disputed inaccurate unverifiable items on my credit report on XX/XX/XXXX  after not getting a response I resubmitted response onXX/XX/XXXX along with the FCRA 611 ( a ) ( 1 ) ( a ) and FCRA 623 ( b ) ( 2 ). And as of XX/XX/XXXX Equifax has yet to send me any updates.
Consumer complaint received 2022-03-01
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: Experian Information Solutions Inc. (FL)

Inaccurate reporting for DEPT OF EDXXXX XXXX  previously held by XXXX  ) Accounts : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX DEPT OF ED/XXXX  Accounts are showing one late payment of 90 days for the month of XXXX 2019, but no 30 or 60 day notices of a late payment are present on report. It would not be possible to have missed 90 days of payments, given that the very next month of XXXX 2019 shows as on time, and all other payments since on are also time as well. 

EXPERIAN 9 different DEPT OF ED/XXXX Accounts ( previously held by XXXX  ) are showing one late payment of 90 days for the month of XXXX 2019. 4 different DEPT OF ED/XXXX Accounts ( previously held by XXXX  ) are showing a late payment of 90 days for the month of XX/XX/2019, but no 30 or 60 day notices of a late payment are present on report. It would not be possible to have missed 90 days of payments, given that the month of XXXX 2019 shows as on time, and all other payments since on are also time as well.
Consumer complaint received 2022-06-16
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Bank, Account # XXXX has violated my rights. 

15 US 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 2021-08-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (PA)

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-12-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (MI)

On XXXX XXXX, 2021 I received an email at XXXX XXXX  est stating that my account was charged a {$36.00} overdraft fee. At the time my account sat at a - {$0.00} balance. No overdraft fee is triggered until the account is {$5.00} overdrawn. The bank decides which transaction to authorize and which to refuse at their own discretion, according to the agent I spoke with. So PNC Bank decided to authorize a {$5.00} transaction on an already overdrawn account, which allowed them to charge me {$36.00} because I was over the overdraft limit. It appears that PNC intentionally authorized a withdrawal on an overdrawn account so that they could deliberately push my overdraft amount past the limit of being exempt from an overdraft charge, so that they could charge me {$36.00}. Additionally, the email I received notifying me of the overdraft was sent outside of business hours as was the time of the overdraft fee being charged, which I received 30 mins later. I was not given timely notice which would have allowed me to make a deposit, covering the {$5.00} overdraft. This appears highly unethical I would like the {$36.00} overdraft fee removed so thank I may make a deposit to cover the outstanding overdraft amount.
Consumer complaint received 2021-05-09
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: World Omni Financial Corp. (FL)

Ex wife missed a payment I was the closest signer on the loan I was never contacted by the XXXX XXXX XXXX about the missed payment. I viewed my credit report and noticed the late payment I called and had to make a payment out of my pocket on a vehicle that I was not using. I asked them to remove it in good faith from all 3 credit bureas in good faith and they didnt even have any empathy.
Consumer complaint received 2018-05-07
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 — Problem with personal statement of dispute
Company: AES/PHEAA (FL)

During XX/XX/XXXX was out of school for 7-8 months. Was unable to pay XXXX {$600.00} amount that had left deferment in XXXX/XXXX. Went back to school a month after I was notified of amount needing payment ( XXXX ) and loans all re-entered deferred status. 

I am now out of school and have made the following payments : XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$34.00} {$26000.00} XX/XX/XXXX Payment {$270.00} {$26000.00} I am asking that the 2 missed payments that are showing as 120 days late for every semester of loans ( 9 semesters total ) are removed from my credit report. 

I have reached out to the Pennsylvania Higher Education Assistance Agency, submitted a credit dispute, asking to reduce or remove those reports, and was denied. I was not asking for a removal of payment, just removal from credit reporting. 

Submitted a dispute with XXXX in the past, XX/XX/XXXX with no resolution from agency
Consumer complaint received 2021-06-01
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

There is unknown inquiries listed on my credit report from CAP ONE NA, dated XX/XX/XXXX and XX/XX/XXXX. I have no knowledge of this company nor did I give consent to authorize anything. CAP ONE NA did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-06-01
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2018-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

In XX/XX/XXXX I pulled my credit report and discovered accounts that I have no recollection of. In XX/XX/XXXX I sent in a dispute to have the matter resolved. I have done this each month up to XX/XX/XXXX and each time it has came back verified with no method of verification. I have called several times and they tell me they don't know what I'm asking, they can't find my dispute, they can't read my Id or to just dispute it again. I have asked over and over who in there company has verified it and how and they have failed to provide that information. They also have inaccurate history showing the account to fall of in XX/XX/XXXX but is actually due in XX/XX/XXXX. The dates are even wrong and this shows me that they have not actually verified anything. I have attached the account in question but do have copies and documentation I can provide as well showing what has been sent to them.
Consumer complaint received 2023-04-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC (MI)

XXXX XXXX I received a communication from WAKEFIELD & ASSOCIATES , LLC about an alleged debt at my location that I responded back to via certified mail green return receipt in which I also have a copy of the communication that I sent out on XXXX XXXX in response to your communication disputing this alleged debt. Theres no information in their communication that instructs said consumer how to dispute this alleged debt. Also Id like to inform you that your company is in violation for violating my rights to privacy which has caused me a great deal of mental anguish and XXXX. 

I also like to inform WAKEFIELD & ASSOCIATES , LLC that a copy of your communication is attached with some of the Federal Debt Collection Practices Act violations your company acted in while engaging in trying to collect this alleged debt from said consumer as well as the copy of the notice of dispute said consumer mailed dated XX/XX/
Consumer complaint received 2022-11-02
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: AMERICAN EXPRESS COMPANY (VA)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX  accounts have reported inquires that are not mine. 

XXXX XXXX XX/XX/XXXX XXXX has violated my rights. 
Amex XX/XX/XXXX XXXX NOT MINE! 
XXXX XX/XX/XXXX XXXX NOT MINE! 
XXXX XXXX XX/XX/XXXX XXXX NOT MINE! 
XX/XX/XXXX XXXX XX/XX/XXXX XXXX NOT MINE! 
XXXX XX/XX/XXXX XXXX NOT MINE! 
XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX NOT MINE! 

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

15 U.S.C. 1681 section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. 

15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following times of information. any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2021-04-13
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)

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX  XXXX, XXXX, GA XXXX TODAYS DATE : XX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-03-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NY)

I own a high-end rental property in XXXX, CT. It rents for almost {$5000.00} a month. I had a tenant who lived in this home for 14 years. Unfortunately, this tenant lost his job in XXXX and did not pay for over a year and I ultimately had to evict him. I got behind on my mortgage payments because of this and ShellPoint Mortgage Company threatened me with foreclosure. 

However, in XX/XX/XXXX, ShellPoint Mortgage offered me a formal Repayment Plan. Per the terms of the plan, I needed to pay {$25000.00} down and then pay {$6000.00} per month. There was no explanation of how the amounts were determined. The Repayment Plan included an option to appeal. Furthermore, the Repayment Plan stated that I did not need to make the full payments until the appeal was resolved. 

From my perspective, the payments seemed much higher than I had expected, based on the amount I owed ; so I submitted a formal appeal on XXXX XXXX. I received a response from ShellPoint on XX/XX/XXXX, that addressed the first two points of my appeal. However, the third point of my appeal was not addressed. On or around XX/XX/XXXX, I received a letter in the regular mail from ShellPoint stating that my matter was complex and asking for more time. On XX/XX/XXXX, I had not heard anything, so I sent an email reminding ShellPoint that item # 3 of my appeal had not been addressed, I did not get a response to my appeal during XXXX, so in XXXX I again sent an email to remind them that my appeal had never been answered. I also pointed out to ShellPoint that their team had made a mistake in calculating the payments of the Repayment Plan and the payments were overstated by over {$800.00} per month. 

At this time, ShellPoint advised that I missed the cutoff for the original Repayment Plan because I did not make the payments in XX/XX/XXXX. They advised I would need to apply for a new Repayment Plan and would need to submit multiple documents to see if I could get approved. I reminded them that the original Repayment Plan included a right to appeal and that payments were not required until the appeal was settled. I advised them that it is unethical and perhaps illegal to refuse to honor the Repayment Plan. However, they refuse to honor their written word. 

During the month of XXXX, I had emailed my ShellPoint contact to see if I could submit the regular payment while waiting for my appeal to be completed. I was told that any payment not for the full amount ( even though the amount was overstated ) would be returned to me.
Consumer complaint received 2022-03-01
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: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

CREDITOR NAME : XXXX BANK XXXX XXXX : {$3500.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX XXXX XXXX AMOUNT : {$18000.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX XXXX XXXX XXXX AMOUNT : $ - DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2021-02-12
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

XXXX, XXXX and XXXX of 2020. At the beginning of Covid, Capital One has reported late payments on my credit report for these months. I thoroughly explained to Capital One that a bank error ( due to Covid ) caused some type of payment reversal. The bank explained to me that this was their error and apologized. However, their apology did not fix my problem with this reporting on my credit report. I wrote to Capital One, XXXX, XXXX  and XXXX  explaining the problem. No one as helped. They know darn well when the pandemic hit, lots of businesses experienced all type of problems of computer issues due to staffing etc. This issue caused a significant drop in my credit report. I had been trying feverishly to stay on top of my credit after experiencing problems in the past. I vowed to never be in that situation again unless some tragic happened that prevented my from paying my bills. This was not the case at all. I had plenty of money in my account to cover the XXXX XXXX monthly payment. It was not until months later that I found out about this error after reviewing my credit report. This has caused me great undue stress and I want it fixed ASAP! Or I will push further and be a thorn in the side of Capital One, XXXX, XXXX and XXXX They can clearly see that I had a 3-4 year perfect pay history on this account. They shouldve taken this into account after I pointed out the error and explained what happened.
Consumer complaint received 2018-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (VA)

For approximately XXXX-months, I have attempted to resolve a " Collections '' matter with XXXX XXXX   C/O Resurgent Capital Services XXXX XXXX XXXX XXXX, South Carolina XXXX. Currently, XXXX XXXX is attempting to extort approximately {$8700.00} from me. I have repeatedly sent formal letters to XXXX XXXX  demanding account proof of ownership. To-date, XXXX XXXX provided a copy of the first page of the monthly credit card statement dated XX/XX/XXXX. Moreover, statement did not identify me as the owner, albeit statement listed a former address. Pursuant of the Fair Debt Collection Practices Act, 15 USC 1692g Section 809 ( b ), XXXX XXXX must provide the original credit application with my signature, individual signed receipts for " ALL '' merchandise purchased and name, address, phone number and account number of " ORIGINAL '' creditor. I spoke to XXXX XXXX representative i, e, XXXX XXXX on XXXX XX/XX/XXXX @ XXXX. I was told " We are not required to provide detailed account information i.e. Original Application etc. '' I demanded all documentation in XXXX XXXX XXXX custody. After exchanging expletives, XXXX XXXX representative hung up the phone. Finally, I attempted to contact XXXX XXXX  XXXX ; however, account number provided by XXXX XXXX is inaccurate.
Consumer complaint received 2018-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

My address is XXXX XXXX XXXX, XXXX, FL XXXX. I have had the same address sinceXX/XX/2004, that is, FOURTEEN YEARS. Experian continues to put the wrong address on my credit report. 
I have filed three complaints with this company asking them to correct my address. The Experian company has instructed me to send a copy of my driver 's license and utility bill, which I have done, three times. The address remains incorrect. 
I have never ever lived at any of the three addresses that Experian is listing on my credit report. 
This incorrect information is continuing to cause me problems. 
Please get Experian to purge the three incorrect addresses once and for all and to put in my correct address. Experian already has three copies of my driver 's license, from the three previous times when I  have tried to get this corrected.
Consumer complaint received 2022-07-22
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. (CA)

I need the CFPB to do what is fair and equitable according to the law. As a consumer protection agency, you have a duty to delete what I have identified as erroneous. The companies I have listed is appearing the efficiency of the banking system. CFPB has an obligation to meet my needs and to remove improper utilization of my information without my consent.