davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted 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 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed Disputes with all three credit bureau reporting agencies on XX/XX/2021 ( XXXX  XXXX, XX/XX/2021 ( XXXX  XXXX and XX/XX/2021 XXXX Transunion XXXX against XXXX XXXX XXXX. As of XX/XX/2021, my XXXX  XXXX XXXX student loan was paid in full and therefore closed. On XX/XX/2021, both XXXX  and Transunion closed my Disputes with no change to my account balance and status, because XXXX XXXX XXXX  advised each that I still have a balance when in fact that was ABSOLUTELY false and unsubstantiated by their own records. I dont know why XXXX XXXX XXXX would intentionally provide a fraudulent response, one that has harmed me and caused extreme stress.
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

Purchased XXXX watch on line XX/XX/XXXX. XXXX XX/XX/XXXX according to XXXX required signature. Delivery date I was not home. Contacted XXXX because it seemed long from ordering and not delivered. CS told me watch was delivered and " signed '' for ( COVID new policy no signature ask name of person and driver types it in ) - Ended up opening numerous disputes- contacted sheriff made police report- and contact made with detective. Detective concluded problem was with delivery person XXXX. Description of person did not fit me- Detective XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX error with delivery driver. 
XXXX reported me to three major credit agencies and shows I did not pay for past months even with OPEN disputes- I was told until disputes are concluded I would not be sent to credit bureaus. Not true. I contacted three agencies explained situation and opened investigations. 
XXXX continues to refuse to credit account or send another item. 
I have pleas out on Next-door App- asking if someone received watch in error. No responses. I again posted watch missing- and my credit is now effected. I made a plea if someone reading the post has the watch of knows who has it to please return without questions. 
I checked my mail yesterday and a box and mail was inside my mailbox. Box had no label. I opened it and found the watch. LOOKS brand new- inserts were in the box validating the brand etc. I tried to contact XXXX from XXXX dispute in credit department who left me a message XX/XX/XXXX asking me to call her back at XXXX. I called back then, called again two more times and called the 800 number associated with her department requesting her to return my call. ( XXXX ). I was told XXXX was in a meeting but would call me back when done- it has been WEEKS no call. I looked up my XXXX  reports and found blemished reports from XXXX although I accepted each call from their collection department and each time they looked up my account and said no reports would be made until AFTER disputes completed. 
The detective stated I need to escalate the disputes because the problem is with the delivery person giving the watch to someone else or could have never given the item to anyone- we simply do not know. 
With another plea placed on the next-door app 2 days ago I begged the members if someone was the person who received the watch or knew who had it- please return to me with no questions asked. 
As I said a box was found in my mailbox- no label- inside the XXXX watch was found. I set up a return via XXXX and my husband took it to the USPS in XXXX. I SHOULD NOT OWE any money- no late fees nothing. They are getting the watch back after it has been missing over 7 months, I want my credit scores cleared. I am forwarding this report to each credit bureau since they have open investigations.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: William D. Meeker Enterprises, Inc. (AL)

XXXX XXXX, XXXX XX/XX/2021, XXXX XX/XX/2021 Several inquiries were reported and placed on credit report without knowledge to the consumer that credit checks were being acquired. None of these inquiries resulted in established open accounts. Requests to have these inquires removed have been ignored by the companies and credit bureaus.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (DE)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2021-04-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

We had an credit card with XXXX XXXX with a {$500.00} credit limit. We were not using it and closed the account with a {$0.00} balance to avoid further fees in XXXX. XXXX XXXX stopped communicating with us after we closed the account. In XX/XX/XXXXPortfolio Recovery put an item on our credit report claiming that we owe {$1200.00} on the closed XXXX XXXX card. They claim that the account was not closed and that XXXX XXXX increase the credit limit repeatedly before sending the account to collections. We have requested documentation and disputed the debt three times through XXXX  & XXXX  to avail. Portfolio Recovery claims that they've send us documentation on two occasions but has never done so. They are also required to send documentation when the debt is disputed. They have never done so. Our best guess is that XXXX XXXX secretly kept the account open, charged themselves service fees and increased the credit limit without disclosing this to us. We believe that whatever documentation Portfolio Recovery has shows this and that is why they refuse to provide documentation. We believe that both companies are in clear violation of the FCRA
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (DE)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-08-06
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. (UT)

XXXX XXXX XXXX # XXXX is reporting inaccurately on my credit report. I have settled this debt and I do not owe anything on it. It should not be reporting on my account at all.
Consumer complaint received 2019-08-06
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. (NC)

XXXX confirmed to me today that there should be no late payment on my account. My loan has been paid in full. I need this removed immediately, as it has erroneously dropped my score significantly. I no longer qualify for a mortgage that I qualified for before this error was reported. I have asked the credit bureaus to investigate, but even though XXXX confirmed via phone today that there was no late payment, it is still being reported on all three bureaus, effectively stopping me from buying a home.
Consumer complaint received 2018-12-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (WA)

I was encouraged to sign up for IDR, but was never advised that my interest would be added to my principle if I was ever denied re-certification, or that I could be denied despite my income not significantly changing. I was recently denied and attempted to call Nelnet customer service on XX/XX/XXXX at XXXX XXXX  PST. I asked why I was denied and was told that Nelnet simply decided it was best. I asked to be rectified while on the call and was denied. I requested to find when and how much interest would be capitalized and was told they did not know. I do not believe that I should have over {$6000.00} added to my principle as my income did not significantly change and was not advised that this was even a possibility when I was guided into this plan.
Consumer complaint received 2021-12-13
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX {$1600.00} XXXX  XXXX {$940.00} XXXX {$0.00} XXXX XXXX {$460.00} XXXX {$2000.00} XXXX -Balance {$0.00} XXXX {$1300.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} Collection XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$640.00}
Consumer complaint received 2023-06-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates (TX)

I asked for validation of debt over two months ago. They said it would take one week in XXXX and I moved out over a month after in XXXX and still didn't recieve any validation. They refuse to send me any information over email as well
Consumer complaint received 2021-12-13
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. (GA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation
Consumer complaint received 2021-12-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (VA)

As a consumer has the right to request validation of debt pursuant to 15 USC 1692g. 

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX Be advised that this is a notice sent pursuant to the Fair Debt Collection Practices, Act, 15 USC 1692g stating that your claim is disputed and validation is requested. This is not a proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evident that I have any legal obligation to pay you. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, XXXX ) this action may constitute fraud under both Federal and State Laws. Please provide proper documentation as requested int he following declaration. 

Pursuant to 15 USC I am notifying you that I refuse to pay this alleged debt and I am demanding that you cease and desist communication with me through any and all mediums.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation
Consumer complaint received 2022-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/2022, I reported an unauthorized online XXXX  scam transaction via XXXX that was fraud to my bank Wells Fargo for {$200.00}. I reported that the transaction was fraudulent and sent the emails with evidence. I file complaints with the company XXXX and XXXX, which I use for identity thief protection. Both told me to contact my bank Wells Fargo which I did ; the first claim number was XXXX. 

I then got a letter regarding the claim from Wells Fargo that I approved the transfer, which I reported as fraudulent, which I did not. Stating that they could trace where the money had got and that it was my problem and fault. They would try to contact the transfer institution and get my money back, but they would not be providing any further services and closing the claim. 

I then filed two other claims, # XXXX and # XXXX. Stating that I did not approve the transaction and that fraud had occurred, I faxed and provided them with all the documentation and still got the same results back. Only with a response with different wording, but still stating that I am at fault even though I was the victim of fraud. 

I then escalated my claim to the next level and filed a case for the small business resolution team on XX/XX/XXXX and got the same response back that I got from the other claims, just using different words on XX/XX/XXXX. I feel that no one has taken the time to look at my claim or has been honest about their policies with third-party providers such as XXXX. This is why I am not filling this complaint. 

The case number for that submission on XX/XX/XXXX is XXXX
Consumer complaint received 2022-03-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (VA)

CREDIT CONTROL FAILING TO OBEY THE LAWS HAS BEEN PUT IN PLACE PUTTING MEDICAL BILLS OM MY CREDIT REPORT I DONT OWE I HAVE REACH OUT TO THE CREDIT BUREAU AND THEY FAIL TO RESPOND THIS LETTER IS FOR MY RECORDS MY HIPPA RIGHTS HAS BEEN VIOLATED AND MY MEDICAL RECORDS HAS BEEN COMPROMISED
Consumer complaint received 2019-08-06
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. (UT)

XXXX XXXX XXXX # XXXX is reporting inaccurately on my credit report. I have settled this debt and I do not owe anything on it. It should not be reporting on my account at all.
Consumer complaint received 2021-08-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (IN)

CBE GROUP pulled my credit report with out permissible purpose which is a violation of 15 U.S. Code 1681n ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow They also did not notify me in written which is a violation of 15 U.S. Code 1692g ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice.
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I contacted Equifax to dispute unauthorized inquiries on my credit report. Equifax states that the creditors that made the inquiries had permissible reason to access my credit report. 
I understand this to be them offering services that either I desire or have reporting on my credit report currently.
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Capio Partners, LLC (NJ)

I just happen to check my credit report and I noticed CAPIO Partners LLC, I said, what the XXXX is this? I opened it and it says it is because I owe {$1000.00} to XXXX  Hospital for XX/XX/2020. I didnt live in Florida, I live in New Jersey and I did not visit Florida  and there is a pandemic going on. This has impacted my credit score and I dont even understand what this is. I want an investigation. Proof of hospital bills and signature that this was me. I have utility bills receipts to prove this isnt me and I havent visited or been in Florida. Please help me remove this. Now, I have to do all the troubleshooting, while getting hurt financially by the impact of some random fraudulent person or company.
Consumer complaint received 2024-06-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc. (NJ)

i applied for a personal loan on XX/XX/year>, from XXXX and was redirected to Upstart. The loan was to pay off credit cards totaling about XXXX. Upstart denied me after doing a soft credit pull with XXXX and XXXX. They stated that the credit bureaus reported i had issues repaying my current creditors and they could not verify my work history or income. I knew immediately that was not true all 3 bureaus have reported me as having 100 % on time payments having never been late or missing any payments for the duration of having credit. The bureaus also have my income and work history verified. In addition, they noted i had a lot of inquiries in last 12 months when in fact Ive only had one hard pull on my credit report in 12 months. They denied me the debt consolidation loan but was quick to approve me for an instant same day loan of {$1200.00}. 
They got all my bank information including password, username and acct # 's. They said they did not request it but did thru XXXX. I thought the purpose was to verify income and consistent direct deposits as proof. I reached out to all 3 bureaus, and they told me the information given for denial was incorrect and redirected me back Upstart. Upstart is redirecting me back to credit bureaus. This is so screwed up im not sure who is telling the truth. i consistently check my reports i know my credit usage is high this was the purpose of the loan to pay off the cards.
Consumer complaint received 2021-08-26
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)

I have disputed several charges on my credit report through XXXX. I sent a dispute letter on XX/XX/XXXX and was recieved and signed for on the XX/XX/XXXX. By law, credit companies have until 30 days to respond. I have yet to receive a response. 

I also send both Transuion and XXXX  the same information an have not received a responce XXXX  was sent a dispute letter on XX/XX/XXXX and a receive was received on XX/XX/XXXX. Attached is the proof of delivery.. Also Transuion was sent a letter on XX/XX/XXXX and I proof of delivery on XX/XX/XXXX.
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XX/XX/year> payment of {$370.00} made to my credit card from Bank of America at their ATM. Filed claim they say the cash payment was not found. Again today XXXX XXXX. Cash payment of {$120.00} was made at the same atm. ATM took my money and no receipt again. Payment not showing ATM Id XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted 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.