davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-16
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. (MD)

I wrote and had notarized a signed letter and sent it via certified mail through the USPS to Experian. The letter was received by Experian on XX/XX/2019. 
The letter requested the physical verification of creditors and the information be sent to me of their legal ability to collect a debt and/or physical proof verifying of these debts so that they may be removed from my credit report or remain listed. Some of these unverifiable accounts were deleted while some of these unverifiable accounts remain. After further review, there are a total of 8 accounts now listed on my credit report where physical verification needs to be sent to me.

The letter also requested my legal name be corrected and any/all not-correct names be deleted. Correcting my name was not performed.

The letter also requested incorrect addresses be deleted, the requested revisions were performed but on further review I have now found two more incorrect addresses that need to be deleted. 
The letter also requested verification of several hard inquiries and the physical proof of applying for credit be sent to me. I have not received verification of application for credit nor have I received information that they were removed from my report. 
The letter also requested my personal information cease being sold to marketers by placing a Promotional Suppression on my personal information. I have not received written notice that they are in compliance with my request. 
The letter requested my telephone # be added to my credit file, it has not been added as of today. To date I have not received physical proof validating for the requests made. Experian, did however mail me a copy of my credit report dated XX/XX/XXXX-19 showing some incorrect addresses were deleted.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant XXXX and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2019-07-31
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. (FL)

Two fraudulent accounts have been posted on my credit and I have No association with these accounts. Ive been battling with the debt collections and telling them this is not me and its fraudulent. Its NOT my name nor my information that they have and it needs to be removed. The two fraudulent accounts posted are : XXXX   XXXX, fraudulent balance : XXXX, alert date : XXXX. 
XXXX XXXX XXXX, fraudulent balance : {$880.00}, alert date : XXXX. 

These accounts are not mine and need to be removed. Ive never worked with any of these companies.
Consumer complaint received 2019-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (NJ)

**I was led to believe from the Navy Federal CU mobile app that my credit card payment was not 30 days past due. 

**On Friday XX/XX/2019 the Navy Federal CU mobile app showed my account being 28 days past due. 

**I made the Payment on Saturday XX/XX/2019 and the NavyFederal mobile app now showed the account as being 31 days past due. 

**I have screenshots showing Friday XX/XX/XXXX 28 days past due & then Sat XX/XX/XXXX 31 days past due being displayed on their mobile app. -- - Both screenshots are attached to this complaint -- - **To make matters worse they did not even use my payment date but the posting date of the payment which ended up being XX/XX/XXXX because of the XXXX XXXX holiday. 

**Now when checking my credit reports I have a 30 day past do negative annotation on this credit account. 

**I then made several calls to Navy Federal credit Union and spoke to 2 separate managers in the credit card department. Both explained to me that there was nothing that could be done about the negative mark ( 30days past due ) that was placed on my credit report. 

**I have been a member of Navy Federal Credit Union for 25 years since my enlistment in the XXXX XXXX . I have never had an issue and have always been treated fairly. I have had the credit card for about 2 years and have never made a late payment. 

**I would very much appreciate if the negative mark on my credit reports was removed.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (TX)

Truist Company did the following XX/XX/2022. 
In accordance of the fair creditor reporting act this creditor has violated my rights under 15 usc 1681 sec 6 02 states i have a right to privacy.

15 usc 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

under 15 USCS 166b a creditor may not treat a payment on a credit card a payment on a credit card account under an open and consumer credit plan as late for any purpose.

My account was transfered from Suntrust and the companies incorrectly reported late payments
Consumer complaint received 2019-07-31
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)

Two fraudulent accounts have been posted on my credit and I have No association with these accounts. Ive been battling with the debt collections and telling them this is not me and its fraudulent. Its NOT my name nor my information that they have and it needs to be removed. The two fraudulent accounts posted are : XXXX   XXXX, fraudulent balance : XXXX, alert date : XXXX. 
XXXX XXXX XXXX, fraudulent balance : {$880.00}, alert date : XXXX. 

These accounts are not mine and need to be removed. Ive never worked with any of these companies.
Consumer complaint received 2019-07-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Real Time Group, Inc. (CA)

We are currently in escrow on a property and this lien holder is the 2nd deed of trust. The property has short sale approval from the 1st lien holder. If the escrow doesn't close then the property will be foreclosed on and the second lien holder will get nothing. We are requesting that they reduce the current settlement amount of {$25000.00} as the 1st lien holder will only pay {$6000.00} towards a second lien holder. The borrower is deceased so there will be no other way for this 2nd lien holder to recover money.
Consumer complaint received 2020-09-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pendrick Capital Partners (NC)

Received notification from XXXX XXXX XXXX in regards to a debt of XXXX. Debt was transferred to Pendrick Capital Partners , LLC who has failed to verify that I indeed owe the debt.They sent information that appears to be typed from a home computer ( Pendrick Capital Partners, LLC it they did not verify that the debt actually belongs to me not sure what services I received.
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERINATIONAL COMMUNITY SERVICES, INC. (CA)

AmeriNational is reporting lates on my mortgage that are erroneous. I paid this off in XX/XX/2018 and it is no longer reporting a balance, yet it still continued to add lates and report them to my credit. I need this removed as it is effecting my credit and the lates are erroneous and in violation.
Consumer complaint received 2019-07-31
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: Bread Financial Holdings, Inc. (VA)

This complaint is in reference to my XXXX XXXX account. I made a purchase from XXXX XXXX in XXXX of 2017 and stayed current with the payments. However, my account was purchased by another lender without my knowledge and I was never notified. I've since encountered several billing issues that have resulted in a problematic sequence of events with this lender. The fact that I'm not receiving a bill leaves me behind on several months worth of payments. After the initial breach of terms that I had agreed to I suspect this is the lenders attempt to reconcile the account in full to reduce it's liabilities or sever it's liability altogether by forcing this account into default. I have received hundreds of harassing phone calls from unidentified callers claiming to be associated with this bank demanding bank account information which I have refused to disclose over the phone to an unidentified caller ( sometimes from XXXX XXXX. The bank has admitted a billing error, but refused to bring the account current a resume accepting the agreed upon amount as payment. On every statement they offer credit counseling, which I suspect they charge a fee for. This may play a role in the reason why they do this. I have never agreed to auto-draft payments as they not consistent with my pay frequency, nor did I agree to balloon payments.
Consumer complaint received 2022-10-11
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed or updated them without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXX  XXXX
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

I was looking over my credit report and saw I had some accounts that wasnt mine am a victim of identity theft. XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX and XXXX XXXX XXXX XXXX .According to the fair credit reporting act 15 USC 1681 I have the right to privacy..Also according to 15 USC 6802.No financial institutions is not supposed to share my information to third parties people.these are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2020-11-11
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC. (CA)

XXXX XXXX XXXX ( XXXX ) and Navient : Are reporting against my credit in XX/XX/2017, as a combined report. 
I just learned about this and could not dispute this. 

How are two different companies reporting late payments and why wasn't I notified? 

I need the following since all my student loans were all appropriately deferred in 2017, in all fairness, I am requesting the following ( original documentation for inspection at my home address ) verifying when these two separate companies, which are now combined on my credit report did any of the following : ( 1 ) When they contacted me in 2017 and what address they utilized to notify me ( both individually Navient and CES ) - original documents needed for review ). 

( 2 ) When they verify that they were a new loan server in 2017 and what address they utilized to notify me ( both individually Navient and CES ) - original documents needed for review ). 

( 3 ) I looked online XXXX and Navient are two different companies ; how, are both reporting the same XX/XX/2017 late payment??
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XX/XX/ 2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2019-10-16
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. (CA)

Filled a dispute earlier this year about an old account that was due to fall off my report, it wasnt removed, the account was closed in XXXX of XXXX, its now XXXX of XXXX the 7 year mark has passed, filled the dispute with Experian again and was not removed instead say on record till XX/XX/XXXX.
Consumer complaint received 2024-02-14
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. (AR)

in accordance Fair Credit Reporting Act 15 USC 1681b- Permissible purpose of consumer reports. 
XX/XX/2024 I XXXX XXXX notify XXXX, Experian, XXXX that are in violation of my consumer Rights. 
15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly state : ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), term " credit report '' does not include- ( A ) Subject to secection 1681s-3 of this title, any ( i ) report containing information solely as to transaction or experiences between the consumer and the person making the report. 
There are inaccurate ( late payments ) on my credit report XXXX {$170.00} Account number XXXX XXXX {$1100.00} Account numberXXXX XXXX {$12.00} Account number : XXXX Also without written instruction inaccurate inquiries i did not authorize nor did i consented : XXXX. XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX. XXXX XXXX XX/XX/2024
Consumer complaint received 2019-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that USAA SAVINGS BANK has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2016-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (OH)

There is a legal item on the Equifax credit report dated XXXX XXXX, 2010. It indicates legal item of {$1200.00} - Case number XXXX - Satisfied. 

This item should be removed completely from my credit record.
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 — Information belongs to someone else
Company: WELLS FARGO & COMPANY ()

Upon review of my consumer report I have never signed or had a contract with Wells Fargo but I seen damages and harm to my consumer report after seeing an account Wells Fargo has been reporting thats false and inaccurate information to my consumer report I spoke to Wells Fargo reps on about the XXXX of XX/XX/2022 the names are XXXX, XXXX XXXX And XXXX gave me a case number XXXX XXXX XXXX Executives intake.. 
The account thats being reported is affected my personal life and violates my rights as a consumer
Consumer complaint received 2019-10-16
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. (IL)

TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX XXXX not mine INQUIRIES XXXX XXXX   XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX I XX/XX/2018 unauthorized XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX  XXXX XXXX XXXX not mine
Consumer complaint received 2019-10-16
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. (FL)

THE DISPUTED ACCOUNTS AND INQUIRIES HAVE BEEN CAUSING TREMENDOUS DAMAGE TO MY CREDIT FILE. THOSE ACCOUNTS ARE UNAUTHORIZED AND WERE INACCURATELY PLACED ON MY CREDIT FILE. PLEASE INVESTIGATE THIS MATTER AND HAVE THESE ACCOUNTS AND INQUIRIES OFF MY REPORT.
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

All Customer complaints data is being scraped from multiple websites such as cfpb, XXXX, occ, fdic etc by Capital One Bank. They are accumulating all this data without informing the customers and appropriate source authorities such as cfpb, XXXX, occ, fdic.
Consumer complaint received 2019-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I received a derogatory mark on my TransUnion credit report from XXXX XXXX in XXXX XXXX, Minnesota regarding an XXXX XXXX XXXX XXXX account. This account is the responsibility of my ex-wife as documented in my divorce decree from 2016. A copy of the divorce decree was provided to both XXXX  XXXX and TransUnion. However, they declined my request for removal of the derogatory remark. I am not legally responsible for this debt so there is no reason for my credit report to be affected by this account.
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CT)

XXXX is stating that i am ( 60 ) days late, but the payments were made on time for the wrong amount due to miscommunication. It was off by ( {$100.00} ). 

Ive been a customer at XXXX finacial for 5+ years. I always enroll in automatic with drawl for the whole term of the lease, for some reason in May of this year it expired. Usually its supposed to last for the whole lease term. So XXXX gave me a call to tell me that it had expired and i had to set it up online all over again. Due to the fact that i dont receive statements I enrolled in paperless mail for the past 5+ years, the payment automatically with drawls every month. When i set it up online, I put the amount of ( {$1300.00} ) I recall speaking to someone at XXXX and they gave me that amount. I dont receive statements, so i dont know how they would think i came up with that number on my own.The ( {$1300.00} ) is the amount before taxes. The correct payment thats been coming out of my account for the past 5 years is ( {$1400.00} ). I've been a loyal costumer and I have leased 3 vehicles from XXXX and my payments are always on time, and i always pay the correct amount. The payments were made ( XXXX, and XXXX ) their system kicked out the XXXX payment because it was ( {$100.00} ) off. If someone were to have given me a phone call to tell me that my payments were off, I would have gladly fixed them. I dont feel that this should be on my credit reort due to an error of {$100.00}. This has gotten me very upset, disappointed, and frustrated I really need someone to help me witht this situation, because I have been such a great costumer with them over the years.