davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-08
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. (FL)

I reviewed my Consumer Reports and noticed that I had FIVE late payments on an account that I was never late for.

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thank you.
Consumer complaint received 2019-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I was looking for a small loan to pay bills and have enough money until payday. Put a request online and then many companies were reaching out to me to see if I qualified. I was denied 3 or 4 times. Then this company XXXX XXXX said they would work with me and put money in my account and would have to pay them back within a day to raise my credit so they could provide me the loan of XXXX XXXX I saw they put XXXX $ in my account and said I needed to go to XXXX to purchase a gift card to pay the amount to them to improve my credit on XXXX XXXX, 2019 plus an additional XXXX $ to me. Then on XX/XX/XXXX they put another XXXX $ into my account and followed the same procedure going to XXXX XXXX buying gift cards. Then Another XXXX $ back in my account. Then I got an email from my apartment complex stating I needed to pay rent, which I had already paid and had a confirmation email that it was paid. So I sent back an email with the confirmation receipt and said it was taking back. Then I started looking into my account and saw that they were not putting money in my account they made claims on behalf of me to my bank putting money back in my account from me then paying them with money I didn't have. Then I went into Chase to try and get this resolved. I don't know how someone else can put claims in as behalf of me and I never got a phone call. These claims were made on bills that I have paid for over 6 months like rent, car payment, car insurance. The guy I talked to was named XXXX XXXX and his contact number is XXXX. His managers number is XXXX. I was obviously scammed and feel stupid looking back at the situation.
Consumer complaint received 2019-10-12
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: SUNTRUST BANKS, INC. (NJ)

I sent a certified letter to XXXX to remove a Inquiry I did not authorize ... 
On XX/XX/XXXX. 2019 XXXX did give a response that the inquiry was factual without providing any documentation to display I authorize this unknown inquiry from SunTrust Bank. 

I then contacted Suntrust Bank as suggested from XXXX  to contact the furnisher directly and spoke to a representative that could not provide details to how the inquiry was initiated, nor did the representative have any factually sound documentation with my signature to show I personally requested services of any kind.
Consumer complaint received 2018-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Leaders Financial Company (NJ)

XXXX  reporting multiple inaccuracies on my credit report such as unauthorized inquiries and inaccurate late payments ive submitted multiple complaints asking for it to be investigated and corrected without sucess
Consumer complaint received 2023-03-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (FL)

CCS COLLECTIONS Address- XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Phone - XXXX ) XXXX My complaint is CCS has wrongly reported to the credit bureau that I have a collection with them in which I never received any letter or call or VM stating I had a debt I never had a chance to dispute the debt to see if it was validated. In XXXX I was forced to relocate due to significant damage to home due to hurricane IAN I was forced to be in a hotel up until XX/XX/XXXXXXXX  I have told them and sent them documents showing I was in temporary housing and that I never received anything in regards to this debt they refuse to remove it off my credit report they have not sent me any validity that this is my debt I wish for this to be removed and for them to ACTUALLY contact consumers instead of just reporting to the credit Bureau also the date that it was opened according to my credit report states on XXXX Date of First Delinquency XX/XX/XXXXXXXX  but states on XXXX  Date opened XX/XX/XXXXXXXX  so if this is mine which date is it and how do I even know its mine CCS is reporting inaccurate information and I would like for this to be removed off my credit report and for CFPB punish them for this I was just notified of this on my credit report XX/XX/XXXXXXXX  and thats the only way I found out about this debt
Consumer complaint received 2020-11-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Total Card, Inc. (CA)

I received a collection notice in the mail and i was devastated. The collection company says that I owed {$340.00}. Someone stole my identity and stole other information from where ever they got it from. The collection agency is called Total card Inc. The current creditor is called XXXX XXXX XXXX XXXX the original credit account number is # XXXX the file number is # XXXX. I have XXXX and i was taken advantage of.
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. (MS)

In accordance with the Fair Credit Reporting act 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. ( i never gave XXXX XXXX permission to furnish an auto account on my consumer report. ) 15 U.S.C 1666B : A creditor may not treat a payment on a open end consumer credit plan as late for any purpose. ( XXXX XXXX has reported several late payments on my Experian and XXXX consumer report, under an open end consumer credit plan. )
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southwest Collection Services, LLC (LA)

I submitted a a dispute to XXXX I contacted Southwest medical collection agency by email and by mail several times in reference to my collections account listed on my credit report. I also contacted the original creditor in reference to the account ad my insurance company. I had a redetermination ran through my insurance company and the claim reprocessed I also had a my credit card set up after the claim was complete in order to ensure that the claim was paid. Southwest collections was informed this information as well as the original creditor My insurance company reprocessed the claim and then processed my health card for payment I informed the company they the reported the collections account as paid. This account should not have been in collections! This was a insurance issue needing to be handled in which it was handled by insurance, They still are reporting it when it was paid by insurance payment on XXXX. I have reach out the them several times to have this removed from my account. They do not respond, they don't send what is in the credit profile that they are reporting to the bureaus. The credit bureaus are claiming this account is verified after sending in the facts that this account is reporting they are not sending the information as well. This account is considered FRAUD I do not have a contract stating I owed them anything. They don't respond to nothing I send to them they ignore messages. How is this account verified and I don't have a contract with them? How can this be reporting and they aren't responding when I ask what documents they are sending or they have.
Consumer complaint received 2021-03-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: TRANSWORLD SYSTEMS INC (TX)

XX/XX/2020 my private loans with University Accounting Service were paid in full ( {$5000.00} ). Because I pay on time and did not want to miss any payments, I overpaid University Accounting Services ( now known as UASConnect ) by a total of {$400.00} ( {$100.00} on one loan and {$300.00} on the second remaining loan ).

I have called customer service 10x in the past 6 months as well as emailed several times with no resolution or refund issued to me for money owed. 

I have attached several supporting documents.
Consumer complaint received 2018-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Transunion reporting multiple inaccuracies on my credit report such as unauthorized inquiries and inaccurate late payments ive submitted multiple complaints asking for it to be investigated and corrected without sucess
Consumer complaint received 2015-06-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (PA)

I ordered my credit report and seen that XXXX had this account as marked as a charge off. I disputed that because I had a paid in full letter dated XX/XX/2012. At first they updated it to paid and listed different dates that were late. I disputed it again and the dates delinquent changed again. I disputed it again. The dates changed again but never corrected this to never late. I contacted them to contact XXXX and they said the did not and would not call XXXX. I said well I dispute this again and within an hour its updated and not investigated. I explained that the car loan I had was for a vehicle that was in a accident and the vehicle was totatled. THe insurance company sent them a lump sum check. I also moved right around the time of the accident and when I spoke to XXXX at XXXX she did say correspondence was sent to me that the deductible was my responsibility. I asked her if they got the letters back since I had moved. She said it was noted that the mail was undeliverable so they began contacting me via phone at which time I did give them an over the phone payment to clear the account. The contact Equifax again today. I was told there is nothing they can do and there is no law obligating them because of errouneous mistakes to change the information. I told them I had the paid in full letter and they said they were not breaking any laws. However they are. They are not even investiaging this as they should. They refused to contacted XXXX other then electronically. Equifax is aware by how many updates they have made to my account that XXXX continues to provide them with accurate information. I spoke with a supervisor today his name is XXXX and then his supervisor XXXX Who said there is nothing more we can do and this would need to be disputed with XXXX and not them. My rights are being violated. and I want this looked into more. They admitted and acknowledged that there were errors but are refusing to fix it or investigate more thorough.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account number XXXX has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I never gave anyone permission or written content this a violation of laws and my rights as a consumer. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested. Likewise, you must provide me with your Method of Verification. You are a partial owner of the eOscar system, which has proven to be unreliable for the intended purpose of my dispute and does not constitute the legally required independent investigation that you must conduct. For clarity, the sections of the Fair Credit Reporting Act of 1970 which are referenced within this letter are : Section 604, Section 609, Section 611, and Section 623. I will assume that by the very nature of your business, I do not need to provide definitions of what is covered under each of these sections individually.

The Information as Shown Below Must Be Investigated Immediately. Failure to Provide Adequate Details, Method Of Verification, Accuracy Of All Dates, Amounts, and other pertinent information will result in the immediate filing of formal complaints with the CFPB and the FTC. I reserve my right to sue you civilly in the court system, which will result in my seeking the maximum allowable penalty. As per the Fair Credit Reporting Act of 1970, I am requesting that when responding to this dispute, you show the Method Of Verification you have used in determining the accuracy of the above listed information. I do not consent to the use of E-Oscar as a verification method.

I am aware that the FCRA provides you ( 30 ) days to investigate these items, and XXXX ) days more to provide me with your findings. I do expect that you will also provide me with an updated copy of my credit report. Upon completion of your investigation, which will show any changes or the lack thereof. I expect these results to include all information requested, including your method of verification. If you are unable to comply within the confines of the FCRA, I will expect all items to be promptly deleted.
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: College Ave Student Loan Servicing, LLC (CA)

College Ave has marked that I was over 30 days delinquent on payment for both XXXX and XXXX of 2020. This is not the case and both months were paid on time, or early. This has caused a precipitous credit score drop. After getting in touch with them, they corrected this problem, and my credit score reflected that. However, the next month the late payment for XXXX showed up again. Ive reached out to them multiple times, filed disputes, and the delinquency still shows on my credit report. They said that they have fixed the issue and it should be updated, but its not. They continually say theyre not sure why its reported late, or that theyve fixed the issue, or they will send it to their supervisor, but nothing changes.
Consumer complaint received 2019-10-13
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. (MA)

Hey, I need serious help in understanding this investigation. There is no way that you are conducting an actual investigation on this auto account I have with the XXXX XXXX XXXX. There are still several inaccuracies with the way this account is reporting on my credit report. There is no way that the same auto loan account would report 3 different negative items to the 3 major credit bureaus. Did you see the attachments? There are severely inconsistent with the payment history, XXXX, XXXX, questionable balance, account type. It should be " CREDIT SALES '', not " Auto Loan '' ... ... .Also, The first late payment listed on this account is wrong and you need to remove this account. Creditor stated they would remove this after payment and its still on my credit report.
Consumer complaint received 2017-05-31
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. (OH)

I have sent request to Experian,  XXXX , and  XXXX  regarding reporting of a Chapter  XXXX  on my credit file. I received a letter from bankruptcy court stating they do not send information to credit bureaus. The  XXXX  major bureau sent me notification stating they received reporting on the account from  XXXX   XXXX . This is inaccurate reporting as nowhere on my credit file does it state that information was obtained from  XXXX   XXXX . It specifically states this was reported b y Bankrupty Court. I  sent the  XXXX  major bureau a 2nd letter requesting this be removed for inaccurate reporting. I received a response again that it had been verified
Consumer complaint received 2019-10-13
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)

Dispute Report Report ID # XXXX For XX/XX/XXXX. 

Experian Lowered my Credit Score on XX/XX/XXXX From ( XXXX ) to ( XXXX ) Due to ( 3 ) Alleged Late Payments. Their decision was based on information gathered via Their Experian Boost System of self reported accounts paid via My Bank Account monthly payment history.The Account in question were removed by me and transferred to newly attained credit cards as recommended to improve my credit score. As a result of my action Experian Boost during the above stated dates did not identify scheduled payments made to the afore stated accounts due to my removal of said accounts. Nor did Experian contact me to inquire if this information was accurate before lowering my score. Apparently Experian Boost did not formulate a procedure for a situation as mine where accounts from Experian Boost ( MY Bank Account ) are switched to another payment method ( Credit Cards ) .As a result of their neglect and use of inaccurate information attained from my bank account via Experian Boost Program was used to lower My Credit Score. I checked the records of the accounts in question all reveal that the payments in question by Experian Boost were paid on time.My Credit Report History states I have an exceptional payment history prior to and after My Bankruptcy filled on XX/XX/XXXX.Also the other Credit Reporting Agencies show I have never missed or been late for a payment. 
As a result the inaccurate information remains on my Experian Credit Report as ( 3 ) late payments During the period of XX/XX/XXXX and XX/XX/XXXX that lowered my score from ( XXXX to XXXX ) effecting My Overall Score by 35 % .Experian Boost Removed the afore stated account but failed to remove the Inaccurate Informatiom of the Alleged ( 3 ) Late Payments. I need this Information removed from My Account Immediately and My Credit Report Score Restored to the correct amount.
Consumer complaint received 2018-05-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Student Relief LLC (WA)

The company XXXX XXXX XXXX called and left me a message today XX/XX/XXXX, stating it was in reference to my student loan and that they needed to discuss payment options with new changes that were taking effect. This was a very misleading message I received and my loan payment is due in a week and a half so I thought I needed to call back and make sure my payment was fine. When I called back I spoke to XXXX, he stated that XXXX has a lawsuit pending against them by the government for giving out loans and offering low monthly payments that would never apply to the principle. This made sense to me given the fact that I have had my loans for almost 20 years and I still have come no where close to the principle amount. XXXX then said that his company worked with the department of education and they were given a list of students with current loans to contact them and help them with their debt. He told me that he sent me an email to help look into my account and I needed to give him the number provided in the email. I stupidly gave him the number and asked him why is this email say it is a password change and it is coming from FSA? He told me not to worry that email was from him and he would be able to access my loan information to help me out. He then changed my password. I though it was all really fishy sounding but I still gave him the number it was all confusing and I had never logged into FSA prior so it did not click what was happening at first. He then proceeded to talk about all 6 loans I have the dates amounts ect. He told me that his company would put it on a 10 year payback plan and complete wipe out the rest of the amount when this was completed. I told him that I wanted to research his company and not make any decisions until this coming Tuesday. XX/XX/XXXX. Upon further inspection, I found there website to look very fictional, the content listed on the site made no sense, not to mention it was built with XXXX  photos. XXXX is there web address. I also found them listed on the XXXX  for fraud. I then luckily went to FSA site and changed my password so they could not access my information any longer. I also called my loan provider and let them know the situation which brought me here.
Consumer complaint received 2019-03-12
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. (IN)

I have submitted 2 requests in writing to have names removed that are not mine. O have sent a copy of my social security card to validate my name. Experian refused to remove the information. They also refuse to remove incorrect addresses.
Consumer complaint received 2019-10-13
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. (NC)

I am writing to dispute the following information in my file. These items are inaccurate because my name is misspelled and unknown addresses are on my file. I am requesting that the items be deleted to correct the information. My collections accounts are reporting that I owe {$2400.00}. My student loans accounts are reporting that I owe {$47000.00}. My auto loan is reporting that I owe {$12000.00}. All these accounts are showing past due and totaling up to {$61000.00} for 20 accounts on my credit report. I've investigated the errors, submitted several disputes online with documentation, and now I'm reporting this to Consumer Financial Protection Bureau.