davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-17
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. (NY)

This is a continued ongoing complaint. Again XXXX has responded with allegations that they were in their right to pull my credit and perform a hard inquiry, but again and again have failed to provide documentation that supports their right under the Fair Credit Reporting Act ( FCRA ). I never gave my consent for XXXX XXXX to pull my credit history, I never submitted a loan application, I never showed or implied interest in any of their loan products and I never  suggested that I was in the market for a loan of any sorts, yet Equifax continues to side with XXXX XXXX without requesting that they produce material that would support their right under the FCRA claim.. I called XXXX XXXX just to talk to a loan " specialist '' for information regarding how much time from the date of a foreclosure would it take before being once again eligible for a mortgage loan? I was told that they would need some basic information and after giving said info I was then told that I was not eligible for a loan mortgage at this time ... Huh ... I already knew that? Then was told it would take 5 to 7 years before being eligible for any of the  loan products that XXXX XXXX offers, with that I said Okay thanks for your time and hung up. Many months later I came to find out that without my permission or knowledge my credit was pulled for asking a mortgage question only ... This is violation to my rights as a consumer and rights under the FCRA. Furthermore Quicken loan response that I had interest in a loan product because I asked a question and therefore they were in their right to pull my credit is total XXXX and preys on unsuspecting consumers.. So I ask again for XXXX XXXX to provide proof of my interest in being approved for one of their loan products other than a letter that states I called and had a conversation with a XXXX XXXX rep and was denied a loan ... Please be advised that I will continue to use ant ans every platform available in resolving this matter ...
Consumer complaint received 2020-11-06
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. (AL)

Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 5 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 


The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 


1. XXXX XXXX acct. # XXXX bal. $ {$3300.00}
Consumer complaint received 2019-10-05
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (OH)

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 FED LOAN SERVICING has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreover, I was never 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 confirmation of the aforesaid item too. My proper request must be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

Equifax place a consumer report on my credit file that I do not want on my credit report and refuse to remove it from my credit file I did not authorize them to place any kind of statements on my record for lenders and creditors to see I would like this stuff removed from my credit report and they refuse to remove or remove the inquiries that I asked instead they placed my complaint that I filled with the XXXX on my credit report which is unacceptable and against my will I did not ask them to that and do not want that on my credit file
Consumer complaint received 2019-09-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I have contacted Experian several times explaining that this is a fraud account that they are reporting on my credit for XXXX XXXX XXXX. This account does not belong to me & is a result of fraud.
Consumer complaint received 2018-10-15
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. (AR)

In XXXX of 2018 I disputed an account with the Credit bureau, The inaccurate account is XXXX XXXX # XXXX. Well XXXX, XXXX, Equifax responded back saying that the account was verified. Well as a consumer I am entitled to send the original creditor a Debt Validation letter. I Sent a certified letter to XXXX XXXX to the address listed on my credit report. I have that right under the FCRA ... I sent XXXX  XXXX  the certified letter on XX/XX/2018 XXXX  XXXX received the letter on XX/XX/2018 at XXXX XXXX. They had 30 days to send me the debt validation. Well today is XX/XX/2018 and XXXX XXXX has failed to send me what I requested and this is against the law. I am a consumer and I have rights also,,, ,the original creditor should have responded to me letter and they refused to.its been past 30 days and they have violated my rights under the FCRA . I have all rights to sur under the FCRA. I the consumer sent in debt validation letter to the original creditor and they refused to respond to me and they are still reporting to the credit bureaus and this is a violation of the FCRA I am entitled to {$1000.00} for the violation, I would like for the account to be removed from my files since the original creditor didn't send me the debt validation I am entitled to see information on the alleged account before I make any payments on a account that's isn't mines so I did what was right to request the debt validation and XXXX XXXX failed to send that to me so,, to all 3 credit bureau yall need to remove this account asap or I will be filing a suit. they had 30 days and they failed and refused to send me what I am entitled to see. please remove this account XXXX, XXXX, Equifax. I have attached a copy of the certified mail receipt and the letter that was written by me to XXXX XXXX   and attached is a copy of the delivery notice that the company received the letter.
Consumer complaint received 2023-03-08
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. (NC)

I discovered that there is an account on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$5800.00}
Consumer complaint received 2020-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2021-12-08
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. (GA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXXBalance {$100.00} DPT EDXXXX****-Balance {$2300.00} DPT ED/XXXX****-Balance {$5400.00} DPT EDXXXXBalance {$7500.00XXXX XXXX XXXXXXXXBalance {$390.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance {$900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance {$27000.00} ( Original Creditor : ) XXXXBalance {$36.00} ( Original Creditor : XXXX XXXXBalance {$25.00} ( Original Creditor : ) -XXXX**-Balance {$160.00}
Consumer complaint received 2018-04-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

I have sent Resurgent Capital Services several letters to verify a debt that they say that I owe and all I get back are letters that say " We recently received a direct dispute from you regarding certain information in your credit report. After reviewing this dispute, we have reason to believe that it was submitted by, prepared on your behalf, or submitted on a form supplied to you by a credit repair organization. Therefore, as permitted by law, we have determined your dispute to be frivolous and irrelevant and will not investigate it. '' With the letters that I have sent out, one in XX/XX/XXXX and the other in XX/XX/XXXX, Resurgent has failed to do anything to verify my debt. In accordance to the law, they had 30 days to verify it, or it will fall of my report. It has been long past that.
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX is no longer my lender for these loans they fraudulently reported my loan was delinquent which it is not. The bank committed fraud by reversing my payments after being told I was refinancing the car loan in an effort to commit fcra fraud for the loan It is under investigation by the ncua The credit bereaus were told of this and that the reporting is inaccurate and they did not correct the credit report
Consumer complaint received 2019-10-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (IL)

I got this pay day loan 2 years ago.I don't remember the exact amount of the loan. He said its {$970.00}! I started paying it back on my own, then I started paying it back through this company called XXXX XXXX XXXX! Then all in a sudden they stopped paying ACE ; with no notifications to me. Than XXXX XXXX Investigative Officer of ACE started contacting me by email ONLY! No phone number. & demanding that I pay {$200.00} bi weekly on a prepaid debit card! I put the money on a XXXX card so that I'll be able to track it! Now I get emails stating that I have to purchase a XXXX XXXX  card INSTEAD! Keeps harassing me telling me that if I don't get this payment that ALL my wages will be garnished! I'm starting to think that this may be a Scam because of his PERSISTENCE!!! & truthfully I think I already paid off this debt! I NEED some help! I don't know if this is REAL or not! Please help me.
Consumer complaint received 2018-10-08
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. (NV)

I have disputed the late payment status reported on the account XXXX XXXX XXXX XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2018-10-15
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. (CA)

My FICO score dropped significantly due to unpaid debt to a XXXX credit card. The XXXX Credit card debt was true, but I want to explain why I made the mistake. 
I opened the XXXX XXXX card when I bought XXXX clothing valued {$28.00} on XX/XX/XXXX. After four days, I returned all theclothing to the same storeon XX/XX/XXXX. The cashier refund {$28.00} to a cash card, not to the original payment method as others do usually ( see attachment 1 ). So it give me the wrong impression that I don't owe any amount on this card. In addition, XXXX had a wrong address on my profile. XXXX XXXX showedmy original address isXXXX* XXXX XXXX XXXX, XXXX , IL XXXX ( see the attachment 2 ). Its a wrong because it has no APT number.I provided the right address with APT number when I opened the credit card. 
The consequence of a wrong address is that I have never received the XXXX credit card or monthly statements. I didn't know the unpaid debt until XX/XX/XXXX, when I received a letter from XXXX XXXX notifying me that I need to pay a debt of $ XXXX.Because I was abroad at that time, it was difficult for me to figure out what's going on. All I can do then was to payback the moneyto XXXX XXXX as soon as possible. 
I don't have any intentionto not pay off the debt, it's just {$28.00}. I am new to the country. So I am not familiar with the system, which is why I made the mistakes. However, the wrong information on the bank system also partially caused my account to go to delinquent. None of this would happen if I had received those monthly statements. Can you please recover my credit score partly since I am not the only one who should be blamed for? 
BTW, the phone number on the credit report is also wrong.The correct number is ( XXXX ) XXXX, not ( XXXX ) XXXX.
Consumer complaint received 2018-04-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Genessee Financial (MN)

My vehicle was repossessed by the company. I had gotten behind on my payments previously resulting in a XXXX letter and calls to my family members, however I had just gotten my payments completely up to date. The company routinely accepted late payments and payments plans from me. Due to making a substantial payment, I needed time to get caught back up on the current payment. The rep from the company had been speaking to my father ( whom I have never authorized to speak to them ) and he advised him he would contact me to resolve the matter within that same week, meaning if I couldnt pay it, my father would. At this time, I was still within the 30 day window for the payment. My vehicle was then repossessed 2 days later. 2 weeks after my payment date, which the company had advised me no action is ever taken or considered until after the 30 day window had passed, which it had not, since it was still considered current at that point. I did not receive a new XXXX letter, I was told I was ok unless that were to happen again since it was considered a new default, which follows in accordance with MN state laws. After the repossession accursed, I was never informed of a date the vehicle would be sold or auctioned, I didnt receive any kind of notification from the company. I have disputed this account on my credit report numerous times, however the company continues to state it is valid. I have attempted to send correspondence to them to resolve this, however the mailing address they list is not a valid address for them. The vehicle was illegally repossessed and they violated almost all of the state laws that must be follow. The company was communicating through a 3rd party, my father, whom they assured I would be able to resolve the matter within the week, yet they repossessed before I would even make the payment.
Consumer complaint received 2019-09-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NC)

I refinanced my home on XX/XX/XXXX after the death of my husband XX/XX/XXXX. The lawyer advised me that my PMI would drop off of my payment so to keep a watch out for the letter from my finance company Wells Fargo. We originally financed with them XX/XX/XXXX and was not aware at that time that the PMI should drop off and we paid it all those years. I received a letter from Wells Fargo dated XX/XX/XXXX that if I wanted to pay them $XXXX they would drop my PMI but if not it would drop off when I reached 78%. From my calculation, this PMI would drop off XX/XX/XXXX. On XX/XX/XXXX or so, I received another letter from Wells Fargo saying that as of XX/XX/XXXX, they would no longer cancel PMI automatically. I contacted Wells Fargo and am now being advised it will be another year before they will drop PMI. My loan amount XX/XX/XXXX was $XXXX.  My loan amount as of XX/XX/XXXX and payment due on XX/XX/XXXX was $XXXX XXXX. I have never missed a payment nor been late. Please advise as I feel they are doing me wrong.
Consumer complaint received 2019-08-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

IN TRYING TO GIVE SUPPLEMENTAL INFORMATION OF SUPPORT TO MY CFPB COMPLAINT AGAINST EXPERIAN AND DISPUTE AGAINST CREDITOR XXXX, ACCT. NO.XXXX, EXPERIANS DOCUMENT UPLOAD SYSTEM HAS BEEN NON-FUNCTIONAL FOR DAYS ... THIS IS A SERIOUS FLAW AS EXPERIAN IS ONE OF THE BIG 3 AND HAS 500 MILLION CUSTOMERS ... THEY CAN NOT ACT LIKE A MOM AND POP BUSINESS THATS SHUTTING DOWN, HAVING COMPUTER PROBLEMS ... ITS TOO BIG A RESPONSIBILITY THE US CONGRESS IS ALLOWING THEM TO HAVE.
Consumer complaint received 2018-04-17
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: Experian Information Solutions Inc. (CA)

2 weeks ago NO action # XXXX I never got a response from you people. NOW once again these XXXX XXXX XXXX at experian are still blundering away with some flim-flam scam of fraudulent new claims or new collections on what exactly?! # These XXXX XXXX charge and collect a fee then allow anyone to harass cheat enrage me with malignant unproven collections!!! This garbage is NOT new!!!! I just got informed from XXXX   part of XXXX 's breach and free monitoringof my credit reports!!! WHY are these XXXX at experian blundering away with phony fraudulent claims of collections?! # I never received any mail from XXXX at XXXX XXXX XXXX? Collecting what and for who? All bad debt has already been charged off by everyone, can only be there 3 more years. Obviously this must be those corrupt and petty thieves at XXXX still trying to cheat and aggravate me!! I told you countless times XXXX never refunded or credited me my ( 3 ) lines and {$680.00} in advance payments they stolen??? Plus these XXXX cramming/deceit infamous lawsuit. They thought they couldget away with scamming me with that worthless XXXX tablet that I sent back within 14 days, continued to scam me with overcharges duplicate billing for trying there unpopular countless complaints about XXXX tablet. I had to write california attorney general countless times before I got some phony and specious credit. NOW these XXXX XXXX state settled in my credit report and yet still continue with these vile scandalous collections
Consumer complaint received 2019-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (IL)

I was looking to purchase flight tickets for XXXX XXXX in XXXX, as i was browsing i came across from this offer from United ADVERTISED as a XXXX $ credit on the first statement if you are a first time cardholder. The tickets that i was looking to purchase were around 300 $ there was a button showing the value of the tickets - XXXX $ credit and saying APPLY NOW, so i did, i have filled the application and was approved instantly and was able to purchase the tickets. After the first statement, the credit was not applied and i have called CHASE, the card provider to see why the promotion wasn't honored and the answer that i have received was that i have " applied '' and received a different card, their standard card, which offers XXXX miles bonus after you spend XXXX  . I have tried to explain that at any time in my application it did not say that i am applying for their standard card and not the promotional offer. It is a total rip off and FALSE ADVERTISING. Apparently the offer was just advertised but as soon as you apply you get the standard card, i called numerous times and try to get to the bottom of the issue but nobody was able to give me a clear answer, i only got sympathetic tone and apologies. I feel like i was robbed and its very sad to see this happening here. SHAME on CHASE and UNITED.