davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affiliates Management Company (FL)

To Whom It May Concern, Thank you for taking the time out of your day to read this letter. I just pulled my credit report, and discovered that 3 late payments was reported on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for my credit card account. 

I want you to know that I understand my financial obligations and for the majority, I have an excellent repayment record. I made a mistake in falling behind, but since then, I have hired a financial planner to help improve my money management skills. 

I'm not proud of this black mark on my record, but it's the only one I have, and I would be extremely grateful if you could honor this request to remove the lateness from my credit report. Im planning to apply for a mortgage and its come to my attention that the missed payments on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments so that I can further improve my credit score. 

If the lateness can not be removed entirely, I would still be appreciative if you could make a goodwill adjustment.
Consumer complaint received 2018-09-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (KY)

Equifax, XXXX  and XXXX  are all reporting bankruptcy on my credit profile. I've disputed this information they continue to report inaccurately without validating the information.
Consumer complaint received 2018-09-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (MI)

On Friday, XX/XX/2018 XXXX XXXX called 6 times. This is in reference to a Synchrony Bank/JC Penny credit card. 

I have personally reached out to Synchrony several times to resolve the issue and I have scheduled 6 months of reoccurring payments at their suggestion. I am working to remedy this account and 6 calls in one day is UNCALLED FOR!
Consumer complaint received 2018-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I contacted Transunion to get there assessments in verifying items listed below. That are on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, they stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 )
Consumer complaint received 2018-09-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (KY)

XXXX, XXXX and Experian are all reporting bankruptcy on my credit profile. I've disputed this information they continue to report inaccurately without validating the information.
Consumer complaint received 2018-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: TD BANK US HOLDING COMPANY (NJ)

Hello, I have tried on numerous occasions to unlock my online account by calling TD Card Services only to be put on hold for over 10 minutes each time with no CSR answering the call. I am trying to resolve the following : 1. Unlock my account access 2. Redeem my rewards points for cash by sending a check to me.
Consumer complaint received 2018-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In XX/XX/2017 I filed a complaint with Capital One, where it was discovered that my own father stole my identity and acquired three credit cards. Two of these cards were with Capital One. Capital One removed all references to these debts on my credit reports, and I assumed that Capital One would turn over the identity theft issue over to the Federal Bureau of Investigation. Now I receive a letter from a law firm known as XXXX XXXX XXXX, XXXX. out of XXXX, Florida. The debt is not valid pertaining to me, and Capital One knows the facts, they removed the accounts from my credit reports, and it is their responsibility now to pursue charges against my own father. I demand a retraction of this collection attempt, and for Capital One to purge any reference to my name and social security number immediately. The Consumer Financial Protection Bureau needs to see just how easy it is for law firms operating as collection agencies can ruin a person 's creditworthiness so quickly. I demand the purging of my information from Capital One and XXXX XXXX XXXX, XXXX. immediately.
Consumer complaint received 2018-09-08
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. (TN)

There is a child support collection account in my credit reports that should not be there. Its showing I owe XXXX XXXX XXXX XXXX XXXX {$350.00}. I askes fir validation and verification from human services as well as all the credit bureaus. I called human services and they could not tell me why my child support is behind. Support has been coming directly from my check every pay period.
Consumer complaint received 2022-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reported all XXXX major credit bureaus TransUnion, XXXX, and XXXX that the collection from XXXX XXXX for XXXX XXXX XXXX has many inaccuracies. 
TransUnion and XXXX reporting a high balance of {$1500.00}, and XXXX is reporting a high balance of {$1500.00} which is different from Transunion and XXXX. 
Balance owed Transunion and XXXX reporting {$1600.00}, and XXXX is reporting {$1600.00} however the Balance owed is higher than the high credit and amounts are different as well. 
Account number for Transunion and XXXX are different from XXXX. 
Date of last activity for Transunion is XX/XX/XXXX, XXXX is XX/XX/XXXX and XXXX date is XX/XX/XXXX all XXXX dates are different from each XXXX bureaus. 
Transunion is reporting on account status as open which is if its in collection account status can not be listed as open account. XXXX and XXXX account status is listed as closed again all XXXX bureaus reporting inaccurate information on my file credit. These inaccuracies are causing me emotional mental distress due to the fact I can not I apply for credit to make major purchases for myself without paying having to pay high interest due to these inaccuracies. 

XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX -- XXXX High Balance : {$1500.00} -- {$1500.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX -- XX/XX/XXXX Date Reported : XX/XX/XXXX -- XX/XX/XXXX Date Opened : XX/XX/XXXX -- XX/XX/XXXX Balance Owed : {$1600.00} -- {$1600.00} Closed Date : -- -- -- Account Rating : Derogatory -- Derogatory Account Description : Joint -- Joint Dispute Status : Account not disputed -- Account disputed Creditor Type : Collection Services -- Other Collection Agencies Account Status : Open -- Closed Payment Status : Collection/Chargeoff -- Collection/Chargeoff Creditor Remarks : Account informationdisputed by consumer, meets FCRArequirements -- Consumer disputes thisaccount informationSubject has not satisfieddebt. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last Payment : -- -- -- Past Due Amount : {$0.00} -- {$0.00} Account Type : -- -- -- XXXX XXXX XXXX XXXX Account # : -- XXXX -- High Balance : -- {$1500.00} -- Last Verified : -- -- -- Date of Last Activity : -- XX/XX/XXXX -- Date Reported : -- XX/XX/XXXX -- Date Opened : -- XX/XX/XXXX -- Balance Owed : -- {$1600.00} -- Closed Date : -- -- -- Account Rating : -- Derogatory -- Account Description : -- Joint -- Dispute Status : -- Account not disputed -- Creditor Type : -- Other Collection Agencies -- Account Status : -- Closed -- Payment Status : -- Collection/Chargeoff -- Creditor Remarks : -- Customer disputedaccount - reported bysubscriber. 
-- Original Creditor : -- XXXX XXXX -- Last Payment : -- -- -- Past Due Amount : -- {$0.00} -- Account Type : -- -- --
Consumer complaint received 2022-07-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

SINCE XXXX WE HAD A GREAT RECORD OF MORTGAGE PAYMENTS!!!! 
UNTILL XXXX WHEN WE GOT SCREWED BY THE BIG BANKS!!!! 
THEY RUBBED US FROM THE ENTIRE EQUITY IN OUR PROPRTY.!!! 
THEY STOLE OUR RETIREMENT MONEY!!! 
TODAY THE JUSTICE DEPARTMENT IS SUPPORTING THEM!!!!

WHERE DID JUSTICE GO??????? 
YOU TELL ME!!!!!!!!!
Consumer complaint received 2018-08-22
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. (NY)

XXXX : Multiple account with wrong information, Date of last payment false, Loan amount wrong, Balance on XXXX, Open dates wrong, close dates wrong. I have disputed this for over 2 years still no resolution. 

Equifax : Multiple account with wrong information, Date of last payment false, Loan amount wrong, Balance on XXXX, Open dates wrong, close dates wrong. I have disputed this for over 2 years still no resolution. 

XXXX  : Multiple account with wrong information, Date of last payment false, Loan amount wrong, Balance on XXXX, Open dates wrong, close dates wrong. I have disputed this for over 2 years still no resolution. 

These student loans have been around since XX/XX/1998 and they continue to get updated with fake payments so the servicer keep them active.
Consumer complaint received 2018-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In XX/XX/2018 I disputed an inaccurate account with Transunion the account which is XXXX XXXX XXXX # XXXX. Transunion investigated and it came back verified. In XXXX I sent in a certified letter to Transunion for a Method OF Verification. This is my right to see and look over and see who verified the account with the credit bureau and the creditor. I have enclosed a copy of the letter that was sent to Transunion via mail certified and the mail receipt that they received the letter, The letter dated XX/XX/2018 sent on XX/XX/2018 Transunion received the letter ( METHOD OF VERFICATION ) on XX/XX/2018,,, i have copies of the delivery receipts On XX/XX/2018 i was notified that Transunion completed their investigation with the account XXXX XXXX XXXX XXXX, they failed to send me what I requested, how they investigate it and complete the investigation and failed to send me the Methods of verification that I request, I am a consumer and I have rights to request the method verification.. Transunion have violated my rights and need to remove the account from my credit, I am filing a small claims for the non-compliance and violation of the FCRA. This is not right, I have sent letters also asking for the original contract and they failed to send the proof that I am entitled to ... delete the account from my file. A debt is not valid unless there is an original contract signed by me the consumer and I have rights to see the original signed contract and to see there method of verification, if they did a 100 % verification then I should have been allowed to see the names and address and phone number of the people that verified the account with the company. Transunion violated laws and my rights and refused to send me what I Requested. Per the FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your company. Transunion received the certified  METHOD OF VERFICATION Letter from me. They still refused to send me what I am entitled too ... this is not right,,, delete it please off my credit file,, is not right to violate my rights to what I am entitled to,,, I have enclosed the copy of the letter and the certified letter mail receipt and the delivery notification,, I Should have got the METHOD OF VERFICATION. I was entitled to see that information so they refused to send it. You are not asked to delete the account or I am entitled to damages from this company for the non-compliance I am taking this to court if not removed a.s.a.p. I AM ALSO PROVIDING PROOF FROM XXXX THAT THEY WAS IN THE SAME VIOLATION OF MY RIGHTS AND LAWS AND FCRA, XXXX  REMOVED A ACCOUNT FROM MY FILE DUE TO THEM NOT SENDING MY METHOD OF VERFICATION AND TRANSUNION IS IN VIOLATION ALSO. I HAVE ENCLOSED A COPY OF XXXX RESONSE TO MY COMPLAINT WITH THE CFPB ON THEIR NON COMPLIANCE FOR METHOD OF VERFICATION.
Consumer complaint received 2018-09-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CL Holdings LLC (OH)

I was called and I told them how I recieve no income and they said to me I had option to pay to take away debt after me telling them I was a XXXX vet and on my credit report it shows how the account is closed however I have an email from 2018 where it js from XXXX XXXX asking me to pay off the debt and they will not take it off of my credit without ever showing me proof from anywhere that i owe it. On my credit report XXXX. States thats an attorney has been assigned to this account and it is closed but yet I have recieved a call and after a couple disputes with them knowing they can not sue me they added more verbage such as seriously and very bad assigned to attorney after I made two attempts for then to please take it off of my credit
Consumer complaint received 2023-03-18
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. (IN)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (MD)

Dear CFPB, I am filing this complaint through your office for assistance in regards with the inaccuracies on my credit file. I have mailed a dispute to credit bureaus but I was not able to receive a good response. 

AFNI XXXX
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This account that is being reported is identified as a repossession on XX/XX/2022 yet they continue to report late payments on XX/XX/2022, XX/XX/2022, and XXXXXXXX XXXX Since the Vehicle was no longer in my possession it would be impossible for me to Default on the payments after the fact. I have the Right to an accurate credit file and discrepancies like this are unacceptable so please immediately remove this account and its entirety from my credit file.
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

ACCOUNT IS CLOSED AND PAID IN FULL, THIS CAR WAS A LEMON ONLY HAD IT FOR A MONTH, CAR TRANSMISSION LOCKED UP AT XXXX XXXX.
Consumer complaint received 2022-07-10
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. (GA)

I haven't sent XXXX or more letters certified to all 3 bureaus about inaccurate information on my report that is severely impacting me with getting a home. I have requested validation and nobody has responded this is a FCRA VIOLATION and I want these inaccurate items of my report. 

XXXX Acct # XXXX - I have spoke to XXXX and removed my late payments I should have XXXX late payments on my credit report. It is still showing late payments for XX/XX/2021 and XX/XX/2021 XXXX XXXX XXXX  Acct # XXXX - I DO NOT HAVE ANY AGREEMENT WITH THIS COMPANY AND ARE REPORTING INACCURATE INFO ON MY REPORT. THEY WILL NOT RESOND TO ME - FCRA VIOLATION. 

I would like these items to be deleted asap off my report. I've attached screenshots for your reference, thank you.
Consumer complaint received 2024-02-03
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. (CA)

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( XXXX ) suitable identification proof ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the consumer 's identification of the relevant information; and ( XXXX ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (CO)

After Suntrust bank purchased our home loan, we found out that only the primary loan holder can have an online account with access to a mortgage that my partner and I share. She is listed as a co-borrower but we have equal ownership of the home. 

This is an issue because both of us need to independently be able to access the account. We are equal borrowers on the loan and it is ridiculous that only one of us can create an account to access loan information online. Especially since we each were able to have login information prior to Suntrust purchasing our loan. I have called the Suntrust customer service number 6-7 times now from XX/XX/2018-XX/XX/2018 to file a complaint about their online banking system. On XX/XX/XXXX I was told that my case complaint had a Case ID of XXXX by a girl who listed her phone extention as XXXX. On XX/XX/XXXX I called back and no one could find record of that Case ID, which leads me to believe that a case complaint was never filed. When I asked a different representative to file a complaint they said they couldn't do so because it was Suntrust 's policy to only allow the primary loan holder access to the online account, even though, again, my girlfriend and I are equal owners of the loan. 

I emailed their customer service team online about the issue on XX/XX/XXXX and still have not gotten a reply.
Consumer complaint received 2018-09-08
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. (TX)

About the last 18 months or so I've noticed a bankruptcy on my credit report in a state Ive not lived. Also there were 3 accounts opened in a credit union that I don't remember ever opening. I've tried to deal with this company for months without a resolution. I even sent an affidavit to the NJ courts and asked them if they released any information about me to the credit bureaus after I asked them to launch an investigation. The bureaus said they verified the information to be accurate, how could they do an investigation and state it was mine and the source said they didn't send any information about my name to anyone. The bureaus or any other 3rd parties. I wasn't sure if this was identity theft but I filed a police report because my wallet was stolen a few years back and I had social security card, birth certificate, and driver 's license in side of it.
Consumer complaint received 2018-08-22
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: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I have written dispute letters to XXXX, XXXX and XXXX and the creditor in regards to derogatory and negative closed accounts that are on my credit report. All letters were notarized and sent via certified mail starting in XX/XX/2018 and 30 days after each letter was received by the credit reporting companies in XX/XX/2018 and XX/XX/2018 and a letter to the creditor on XX/XX/2018. The credit reporting agencies are saying they have verified the items but are not able to provide me with original documentations ( consumer contract with my signature ) showing that these accounts were indeed open by me. The creditor did not respond at all. Nor are they responding to my request to state who verified these items and the method used for verification as required under Section 611 ( a ) ( 7 ) FCRA states that credit reporting companies must have a copy of the original creditors documentation ( a consumer contract with my signature ) on file to verify that this information is mine and is correct as required by Section 611 ( 5 ) ( A ) of the FCRA.