davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2022-08-30
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)

This is XXXX XXXX submitting yet another CFPB complaint to address the Credit reporting Agencies inability to verify the information being reported on my Credit Report as well inability to report accurate only information my Credit File. I previously sent a letter addressed to the Credit Bureaus requesting that the Credit Bureaus take their time to verify the information being reported on my Credit File. I believe I am victim of Identity theft and the items I am disputing were the results of such crime. I Started disputing my Credit File on XX/XX/XXXX under the provisions of the Fair Credit Reporting Act section 605b and the last letter I sent to the Credit Bureaus was dated XX/XX/XXXX. The Credit Bureaus have failed to remove the disputed items completely from my Credit report and insist that the information they report are accurate and verified. I do not agree with their findings and demanded proofs of verification for me to be able to verify the information myself. But the Credit Bureaus have also failed to send me copies of documents to support their claims. I am now submitting this CFPB complaint to order the Credit Bureaus to remove the disputed items completely from my Credit Report as soon as possible for they have failed to comply with my requests. I need the following items deleted immediately 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
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HUNTINGTON NATIONAL BANK, THE (PA)

On XX/XX/2023, I contact Huntington National Bank informing them that the 30 Day Late mortgage payment XX/XX/2023 reported on my credit is incorrect. The agent acknowledged that the reason for the late payment was because the missed a digit in my bank account number. I requested that they conduct a reasonable investigation into the accuracy of the disputed information and provide me a feedback which I'm yet to receive. 

On XX/XX/2023, I wrote Huntington National Bank ( certified letter ) formally disputing the accuracy of 30 Day Late mortgage payment dated XX/XX/2023 reported on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), specifically under Code 15 USC 1681i ( b ). Additionally, I would like to bring to your attention a violation of the Fair Credit Billing Act ( FCBA ) under Code 15 USC 1666 ( b ).
Consumer complaint received 2019-08-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I would like the debt deleted or say paid. It says collection account paid and I was told balance would be XXXX, and paid then deleted so I paid the account even though I was not sure it was mine. They have great customer service other than what has showed up on my report.
Consumer complaint received 2022-08-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (VA)

I currently owe Navient {$49000.00}. My original loan in 2007 was for {$28000.00}. I wasn't aware at the time that I was eligible for federal loans, and this company never mentioned it. I was told my best option while I finished school was to go into forbearance. I wasn't aware my loan would double. I have contacted them many times and they only option to lower my payment is an interest only payment. I have been paying for years and my balance doesn't move. I told a customer service rep I would have to live in my care to be able to afford this payment. He said " you got ta do what you got ta do. '' My interest rate is 9.25 %. I have tried to renegotiate loan terms or interest but they won't. The original check was sent straight to me and not even my school. They sent the money without verifying the tuition and never told me about federal loans. I can't pay this loan. It is well over what I borrowed. I should have been told to pay on it instead of going into forbearance.
Consumer complaint received 2022-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

For about a year now, we have been disputing incorrect information that was being reported and still is to the credit bureaus, that we later found out was very negative information to have on a XXXX XXXX XXXX. That information occurred after our mortgage loan was sold and transferred to XXXX XXXX XXXX ( XXXX ). All the previous mortgage servicers reported the year of the loan as 30 year. XXXX immediate reported the loan as being a 50 year or 600 month, to it most recently being a floating term of 603 months. We did not pay much attention to this change until a mortgage refinance company after trying to apply, told us that by having that number XXXX on our loans XXXX XXXX gives our loan a very bad status. The same happened with a second mortgage refinance operation, that said that number should not be associated with our loan and it would be dangerous to move forward and not get that number corrected first. So in the many attempts to get this corrected, XXXX explained how they got to that number ( see attached ). We later were told to once more request from them the documents used to make that determination, and they replied that they used our 40 year loan mod, but then used another method to combine the Note and the Loan mod to get a 50 year number. We provided this information to our help and they then asked us to have the credit bureaus provide the documents they received that supports " the alteration of signed contracts without consent '' - they explained that the terms of a loan document can not under any circumstances be changed without writing consent.
Consumer complaint received 2023-12-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (SC)

On the XXXX of XX/XX/2023 I logged onto my robinhood app and received the latest transfer from my bank of XXXX dollars. I had just set up direct deposit a week prior. When I logged on I noticed that there was a message at the top of the screen saying my account was restricted and that I needed to provide some information to get it unrestricted. I figured ok I'll just give the information and everything will be ok. I submitted a selfie and the required PDF of my bank statements for last month. They said they would get back in touch with me. Since then Ive received generic responses and none can tell me why my account has been frozen. I have XXXX dollars in their mostly crypto holdings. I want access to my account as I know I am who I say I am and they do to. I've provided all the necessary documentation and I don't see the need to take a considerable amount of time investigating this. I haven't done anything illegal. The only thing I did was transfer a small amount of XXXX XXXX  to a an option trader account one time. I don't think they was illegal or shouldn't have been seen as fraudulent it was confirmed on the block chain and seems legit. The company I sent the XXXX XXXX  too hasnt ever froze my account as a matter of fact from time to time they deposit money in my account as a gift. Anyways I don't feel like it's just or fair for a company to lure you in and have you use them for the purpose intended and then be able to just all of a sudden freeze your account and not tell you why. Then to be able to just hold your hard earned money indefinitely until they decide otherwise is borderline scam and otherwise fraudulent so in retrospect i should be asking for the selfies and or bank statements from them as I feel thier maybe fraudulent activity in thier accounts. Knowing that this has happened to a lot more people than I feel comfortable with I am terrified that they will decide to close my account and keep my crypto as I know what I invested in is about to take off and be worth a very significant amount. I want my account reopened and I feel like I'm being treated like a criminal and a fraud and they are the ones that are being criminal and being frauds
Consumer complaint received 2023-08-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc. ()

Company related to this case : XXXX Product : Google Pay Company-side Case ID : [ XXXX ] Date : XXXX Amount : N/A ( Since it's a denied transaction ) About a month ago ( XXXX ), I began using my XXXX account on a XXXX  XXXX XXXX. As I am currently residing in XXXX, I attempted to charge my XXXX XXXX card using the Google Pay app. However, my purchase request was suddenly denied, and I received an email stating that my pay account had been temporarily suspended for security reasons. The email instructed me to visit the Google Pay website and submit my bank statement ( attached below ) along with a photo of my card showing previous transactions with XXXX. I followed the instructions precisely and submitted the required documents. 

However, approximately an hour later, I received another email with the same instructions, without any explanation or reason for rejection. This made me suspect that there might have been a mistake, so I reached out to the Google Pay team by submitting a ticket ( Case ID : [ XXXX ] ). Unfortunately, after a week of correspondence, I received templated responses repeatedly, with the team continuously stating that they needed to verify my identity in order to reactivate my profile.
Consumer complaint received 2022-03-20
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. (GA)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2017-08-17
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)

TransUnion credit report associated with errors, and it seems that the accounts & inquiries are also fraudulent. I am a victim of identity theft and I have been identified for someone else with the same exact name as mine. XXXX XXXX is associated with several people in my state. These accounts we 're once removed and has been place back on my credit report. It is definitely an error on the credit bureau part. This is all the information I can provide at this time. My lawyer will be contacting you in a few days to resolve this matter with my name being misused, placed aside fraudulent error accounts and inquiries. Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-30
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. (MI)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX, XXXX XXXXXXXX, XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX, and XXXX XXXX have 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 2022-03-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

My husband was XXXX  for over 3 months due to XXXX. During this time I fell behind on some debts. I didn't receive notice of the delinquency and don't know what this debt is for. We are struggling on one income since my husband is still requiring XXXX  to function and unable to work. This has caused us a true hardship.
Consumer complaint received 2022-08-30
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. (MI)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 2022-08-30
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. (NJ)

XXXX XXXX XXXX has violated my privacy according to 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.
Consumer complaint received 2022-10-27
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. (IL)

My name is XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-10-27
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. (MO)

I submitted a letter to XXXX and Equifax on XX/XX/22 to update this suspicious information. I think they have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-03-20
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. (GA)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2022-03-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (TX)

On XX/XX/2022, I received a notification that a collection account had been placed on my credit report in the amount of {$550.00}. According to my credit report ( since I never received anything directly from this company ), it was from a recent apartment complex that I lived in last year. This was shocking to me because I have never received ANY communication from this company and had no knowledge that this account was due. I was not informed by the initial company saying I owe the debt, neither was I contacted about this debt from the debt collector until I saw the collection on my credit report. I then reached out to this creditor via certified mail at the end of XXXX requesting a response and a debt validation letter. It is now the end of XXXX and I still have not received any calls or documentations proving that I owe this debt. However, it is still showing as a past due collections on my credit report. 

I never received any documentation from this company letting me know that this account was due. I was never given the chance to dispute this debt. I was never given the chance to possibly settle the debt before the lasting effects of putting a collection on my credit score for the next 7 years. This can not be legal!
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have been dealing with these credit reporting agencies for three months and I haven't gotten any resolution they are complying with the laws set in place by our government, I have been treated unfairly and this has really caused me great stress.
Consumer complaint received 2022-03-20
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. (GA)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX  SS # 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 a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2022-03-20
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: Experian Information Solutions Inc. (DC)

This credit reporting agency continues to report adverse information on my credit report without my consent. I have requested several times from the Credit report agency to remove un-verifiable information from my report. They have not complied to my demands or provided proof that the information was verified. Which is a violation of my consumer rights. I am asking for the help of the CFPB to assist me with this credit reporting agency as they are willfully not complying and violating several Federal consumer laws with no consequence and negating proper compliance investigative procedures when a CFBP complaint is filed by simply closing my complaint by stating we will mail you the results. CFBP stop allowing this credit reporting agency get away with this. There no compliance has caused me great hardship and I need your assistance immediately to ensure they comply and follow federal consumer laws. I request they provide proof of evidence via CFBP immediately!
Consumer complaint received 2022-08-30
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. (UT)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX have 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.