davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

On XX/XX/2018 I have submit a complaint with the CFPB and the CFPB submit complaint to Experian. On XX/XX/2018 Experian respond to the complaint to the CFPB stating that the account was verified as accurate. In which, clearly the account is not 100 % percent accurate. I also made a dispute with XXXX  and XXXX  about the inaccurate information on my credit report on XX/XX/2018. On XX/XX/2018 XXXX stated that the information on my credit report is verified as accurate. On XX/XX/2018 XXXX stated that the information on my credit report is verified as accurate. However, none of the credit bureaus is 100 % percent accurate or compliant to the FCRA laws. In which, I strongly believe that I have proven and provided enough evidence to this complaint. So, I need this account to be deleted as soon as possible base on the consumer protection law. 

Under the consumer protection law this account is not practicing the Act. And the Acts are Fair Credit Reporting Act, Fair Credit Billing Act, Equal Credit Opportunity Act, Truth and Lending Act, and the Fair Debt Collection Practices Act.
Consumer complaint received 2018-08-25
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. (OH)

I was going to buy a car and I pulled up my XXXX XXXX, XXXX XXXX, XXXX and Equifax credit report found XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX Fraud Student Loans that were not open by me nor did I give anyone permission to use my name to take out a loan. I found addresses that do not belong to me as well on my credit reports. 
XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX   XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX , XXXX, OH XXXX
Consumer complaint received 2021-11-02
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. (AZ)

I recently tried to update information on my Experian Consumer report reached out to the Consumer Reporting agency I need the addresses removed from my report to prevent Identity theft, and they stated these addresses can't be removed I need them removed to prevent issues the FCRA states that all information has to be correct!
Consumer complaint received 2018-08-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (PA)

I submitted a PSLF application online directly to XXXX XXXX and received a letter indicating that my request for public service loan forgiveness was not approved because I did not have enough qualifying payments. I sent several requests to be reconsidered for loan forgiveness through the TEPSLF program and received the same email indicated that my request for TEPSLF would not be evaluated because I did not submitt an PSLF application. When I called the number provided to XXXX   XXXX XXXX I was told that I was not eligible for forgiveness because I didn't have enought payments. They did not answer my question as to why I received emails indicating that my request for reevaluation through TEPSLF was denied because I did not submit an application. My original loans were Federal Direct Stafford Loans disbursed in XXXX through XXXX. I have worked full-time for approved non-profit organizations since XXXX and have consistently been on an income contingent payment plan throughout the past 11 years to different providers who have held my loans including the XXXX XXXX XXXX XXXX, XXXX/XXXX, and most recently, XXXX  XXXX. My calculations indicate that I am well beyond the 10 year/120 payments needed for loan forgiveness, however, only payments made after XXXX are being counted towards eligibility. In XXXX, i was advised by XXXX ( now XXXX ) that to be eligible for student loan forgiveness I needed to consolidate my loans with them. This information was incorrect because my loans were originally direct Stafford loans held by the now defunct XXXX XXXX XXXX XXXX and under PSLF were in fact eligible. I am now being denied because all payments made prior to XXXX XXXX do not qualify. My complaint is against XXXX XXXX for not even taking the time to communicate a valid response to me a reason why my request for TEPSLF consideration was being denied. In addition, I believe the current servicer of my loan should not be the same entity that evaluates and processes student loan forgiveness. Isn't this a conflict of interest? As long as they hold my loans they continue to benefit from the interest. In addition, this company refused to let me speak to an individual in the dept. responsible for reviewing PSLF or TEPSLF requests.
Consumer complaint received 2018-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Consultants, Inc. (MN)

To Whom it my concern, I am being fraudulently pursued by XXXX for a debt I do not owe. XXXX claimed that I owed them {$450.00} and sold the debt ladened with false fees to a company called XXXX XXXX. I disputed the debt with the credit agencies and the debt was deemed illegitimate because XXXX and XXXX could not prove why I owed that amount. The debt under XXXX was removed from my credit report and a week later I began receiving calls from XXXX attempting to collect on the very debt that they could not prove. I informed them that the debt was disputed and removed from my credit report. A month later however a different company named diversified consultant reported the same debt on behalf of XXXX to my credit report. I called the company and they informed me that XXXX had sent the debt back to XXXX  who then sold the same disputed and disproved debt to them. I am now disputing the same debt twice with two different companies. XXXX who allowed a secutiy that put y name, address and social security number at risk, all they offered in return was one year of free credit monitoring. An irresponsible and fraudulent company such as XXXX should not be allowed to endanger my personal information, charge me fradualent fees while I travel abroad and then sell the same debt I have disproved to multiple companies. I will pursue this to the full extent of the law i.e. I will suing. 

XXXX
Consumer complaint received 2022-07-09
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (CA)

I applied for a mortgage with XXXX. Because my 2021 tax return was amended but not yet processed by the IRS. They denied the loan. However, because my amended returns were not yet processed, they placed a " credit reject '' in my FHA file database. Now, no FHA lender can approve me. I spoke with a manager at XXXX and he claimed they file a credit reject with everyone they deny, even know a mortgage lawyer stated today, credit rejects placed into an FHA file are only supposed to be for people who pose a significant risk and are associated with fraud before. They refuse to remove it and now I can't get any FHA loan, apparently because my amended taxes haven't been processed. How can they ruin my life? I don't have a home and now I can't get one ....
Consumer complaint received 2022-07-25
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. (GA)

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$890.00}
Consumer complaint received 2022-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (FL)

I make several payments towards my credit card periodically throughout the month. I pay online through a linked account with my XXXX XXXX checking account.EVERY time I make a payment Barclays Bank, my credit card company, hold the money for 7 days AFTER the funds have cleared my bank, making it therefore unavailable for me to use.
Consumer complaint received 2018-08-25
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. (TN)

I have now tried THREE TIMES via direct dispute with Transunion, XXXX, and oh boy, XXXX! to have the account status of a PAID COLLECTION updated CORRECTLY. For SOME REASON, when I paid it off, it was updated as " debt included in or discharged through bankruptcy chapter XXXX '' " debt included in personal recievorship. '' I HAVE NEVER EVEN FILED FOR BANKRUPTCY LET ALONE COMPLETED ONE! I've called the creditor to have this removed, they swear they never reported it! I've disputed it THREE TIMES with the credit bureau who EVERY TIME swears, the creditor confirmed the information is correct! NOW I DON'T KNOW OR EVEN CARE WHERE THE DISCONNECT IS, I WANT IT FIXED! PAID COLLECTION! HOW HARD IS IT TO CHANGE THE STATUS TO " PAID COLLECTION?! '' IF YOU CAN'T DO THAT, REMOVE IT FROM MY CREDIT REPORT ALL TOGETHER! 

XXXX XXXX is the creditor. I have NEVER had SO many problems with something SO XXXX simple!
Consumer complaint received 2023-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rent Recovery Solutions (GA)

XX/XX/2023 I Reached out to this company by mailing out a Letter to Resolve my issue, I asked Rent Recovery Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt.

Commission for debt collector if collection efforts are successful. 
Please provide the name and address of the bonding agent for XXXXXXXX XXXX XXXX
Consumer complaint received 2020-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I financed a XXXX with XXXX/XXXX and met all obligations as required. A mistake in the accounting procedure of XXXX without my permission or knowledge shifted my account temporarily to XXXX XXXX of which I never applied to or had an account with. This caused numerous reports to the credit people of late payments when they actually were not only on time and correct but 1 account more was paid and the account instead of being late was ahead. I have written numerous times and am attaching 8 pages of documentation for review.

Thank you for helping me get this cleared up and the credit reporting agencie : XXXX, Experian and XXXX to correct and remove all false reports
Consumer complaint received 2018-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED BANKSHARES, INC. (MD)

What product or service is your complaint about? 
PRODUCT OR SERVICE Credit reporting, credit repair services, or other personal consumer reports TYPE Credit reporting Step 2 Edit this section What type of problem are you having? 
ISSUE Incorrect information on your report HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? 
Yes Step 3 What happened? 
Recently my FICO Score dropped significantly. XXXX XXXX referred me to XXXX and they explained that the negative data is reported by the XXXX XXXX Bank, an affiliate bank under the United Bankshares Holdings. Since our mortgage account was serviced by the XXXX bank ( bankingwithunited ) another affiliate of the United Bankshares Holdings, I think that a lack of information synchronization among the sister banks has caused the problem. Indeed, our mortgage account with the XXXX  bank was paid off in XX/XX/2016, the bank later sold our property to another mortgagor for 30 % higher price, but continued to charge our account for additional mortgages almost a year after they bought our property for the value of the balance, but did not release the loan from obligation. This all is a banking irregularity, which should not be affecting the customer. In this case, it seems the XXXX  bank got the property at the reduced price ( mortgage balance ), sold for a higher price ( made a profit ) but still wants to collect mortgages from the owner whose property was extorted. Not a respectable thing to do, but it is happening now. Maybe no, but the whole situation must be resolved. CFPB may help. 


I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. 

The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. 







Edit this section Step 4 Edit this section What company is this complaint about? 
COMPANY INFORMATION United Bank-shares Holdings SOCIAL SECURITY NUMBER ( LAST FOUR DIGITS ) XXXX NAME AS IT APPEARS ON CREDIT REPORT XXXX XXXX OTHER INFORMATION ABOUT THIS COMPANY XXXX  bank XXXX XXXX, XXXX  Virginia XXXX XXXX Step 5 Edit this section What people are involved? 

YOUR CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX United States I authorize and direct any consumer reporting agency to furnish a copy of my consumer report to the CFPB for the purpose of responding to and investigating my consumer complaint. 

The information given is true to the best of my knowledge and belief. I understand that the CFPB can not act as my lawyer, a court of law, or a financial advisor. 
You will not be able to attach documents or edit this complaint after you submit it. 
Please make sure everything is accurate and complete before continuing. 

Submit your complaint
Consumer complaint received 2018-08-25
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't stop withdrawals from your bank account — 
Company: Lendmark Financial Services (CA)

I did a stop payment on any and all payments to Lendmark - They charged my debit card, and the bank information I was given stated that I authorized the payment over the phone.

Lendmark posed as me, and authorized the payment without my consent. This is fraud.
Consumer complaint received 2018-08-25
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: KEYCORP (AZ)

In XX/XX/XXXX, Key Bank 's website was down when i tried multiple times to make my payment ( {$620.00} ). I spoke with a customer service representative about it and they told me they would " bullseye '' the 30+ days past due on my credit report. It is nowXX/XX/XXXX and it is still reporting 30+. I have spoken to multiple people at Key Bank as well as sent SIX credit dispute letters/emails. Key Bank has not acknowledged ANY of my correspondence. If you look at my payment history, you will see I have never been late in the ten years since I opened the account. Please help!!! 

I have attached the most recent correspondence sent to Key Bank. 

Best, XXXX
Consumer complaint received 2018-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXXthere were two hard credit inquiries. 
One for XXXX XXXX One Another for a XXXX card. 
That was not me I lost my social and Id about a month ago I didnt put a freeze on my crediybecause I figured I would find them.
Consumer complaint received 2018-08-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (PA)

The Company Listed below has kept an alleged debt they say I owe on my credit report well over the Florida Statute of Limitations. Mortgage Foreclosure debts remain on ones credit for 5 years F.S 95.11 All other debts ( rent, utilities, health clubs, etc ) fall under the catch-all limitations period of 4 years F.S 95.11 ( 3 ) ( p ) Both of these Statutes have been violated by Hunter Warfield a Revenue Recovery Service located in XXXX Florida. I have filed a dispute through XXXX. This debt continues to remain on my credit which is causing damage to my credit report, for which I file this claim. According to the Fair Credit Reporting Act, they are willfully including inaccurate information on my credit report. 

This company is in direct violation. For which I file this claim to remedy this matter promptly. The information is listed below. 


HUNTER WARFIELD XXXX XXXX XXXX XX/XX/2012 {$2200.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2018-08-25
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. (PA)

For approximately 2 consecutive months, or, since XX/XX/XXXX, I, XXXX XXXX have telephoned Experian and XXXX   Credit Reporting Agencies regarding a Charged-Off Account from XXXX XXXX XXXX ( Credit Information Furnisher ) that contained inaccurate information, or two different amounts owed on this alleged debt. I also contacted XXXX XXXX XXXX   regarding this matter. The multiple Disputes have gone unaddressed in terms of Deleting this Negative and Inaccurate Information from my credit reports. Both credit reporting agencies have allowed XXXX XXXX XXXX  to report or to up-date negative and inaccurate information about this account when in fact XXXX XXXX XXXX claims to have Sold the Account and transferred all Documentation regarding this Account to XXXX XXXX/COLLECTIONS AGENCY AS OF XX/XX/XXXX.

Note : Please see the attached letters for more explanatory details regarding this gross Credit Reporting problem as the Negative reporting of inaccurate information is very hurtful and harmful to my Credit Score!
Consumer complaint received 2023-03-23
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 — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

I received a notice from credit acceptance that if I paid {$4300.00} within 90 days of the letter dated XX/XX/XXXX they would close my account and if the account was still reporting to the credit bureaus it would be updated to XXXX  balance and paid in full for less than full balance. I paid the account in full on XX/XX/XXXX. I then called on XX/XX/XXXX the rep stated the account was closed so I requesed a letter stating that it was paid in full and they would be updating my credit report. I was faxed that letter as well as mailed the same letter. I have had way too many issues with this company in the past so I disputed the info because I knew they would not update it accordingly and of course they responded to the dispute that everything was accurate on the account which is a lie.
Consumer complaint received 2018-08-24
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. (MO)

On XX/XX/XXXX, I got an alert stating that Equifax has a potentially negative unpaid balance from XXXX XXXX XXXX for {$630.00}. Ive never heard of or received any type of communication from XXXX XXXX XXXX. Incidentally, Equifax wont even send me a FREE annual credit report, NEVER signed me up for ( ID THEFT protection ) due to their recent XX/XX/XXXX database breach of id theft, which exposed millions of Americans. 
I dont know whats going on at Equifax. Every time I try to get a credit report, Equifax doesnt know WHO I am.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Information which has not yet been verified to be 100 % accurate as required by the FCRA is continuing to be reported on my credit report. I have tried numerous times to get this off my report and always am ignored.