davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (OH)

Lexis Nexus for years now has been giving insurance companies inaccurate information causing my premiums to go up They have already done this before telling people a not at fault accident was my fault in the past. Now they have changed a speeding ticket from XX/XX/XXXX to XXXX so they can keep it on my record and my insurance went up XXXX dollars because of their lies I cant actually get ahold of a human being about it there either Everything is automated and we will have someone get back with you in 7 days
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

I filed a dispute with the credit reporting agencies in regard to inaccurate information reporting to my credit reports. I never received any notifications in regard to the investigation results. It now has been 30 days since I filed a 30-day demand to comply with the credit bureaus and still have yet to receive any responses.
Consumer complaint received 2019-01-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Linebarger Goggan Blair & Sampson LLP (NC)

I received a " Notice of Debt '' for {$80.00} for driving through a tunnel in Virginia. The bill has no date, no license number on the bill, no picture to verify it was my vehicle, and it was sent to an address that is not my DMV address and is not currently nor has not ever been my drivers license address. I am concerned this is a scam. I never received an original notice from XXXX XXXX XXXX so I would like proof of the original invoice with the charges on that bill if there was one and where it was mailed ( with same identifying information requested above ).
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX, FL XXXX XX/XX/XXXX ATTN : Consumer Financial Protection Bureau Subject : Complaint against XXXX, Equifax, and XXXX for Continuously Erroneous Credit Reporting Dear Sir/Madam, I am writing to file a formal complaint against XXXX, Equifax, and XXXX regarding their continuous and reckless erroneous reporting on my credit report. Despite numerous complaints submitted throughout this year, all of which have been ignored, their negligent actions have caused significant financial and emotional distress. 

My personal information is as follows : Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Gender : Female Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX XXXX XXXXXXXX I hereby demand that XXXX, Equifax, and XXXX take immediate action to update and correct my credit report as follows : Removal of all addresses with which I am not associated : XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Removal of the following collection accounts, as the bureaus have failed to provide their method of verification for these accounts, and I confirm that they are not mine : XXXX XXXX  # XXXX ( No creditor listed ) Account # XXXX ) XXXX XXXX # XXXX I want to stress that these inaccuracies have seriously damaged my creditworthiness and caused considerable hardship in obtaining loans, credit cards, and other financial opportunities. The bureaus ' repeated refusal to address these issues shows a blatant disregard for my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

As per the FCRA, I am entitled to have accurate and up-to-date information on my credit report, which is essential for my financial well-being. Failure to comply with these rights is a direct violation, and I will be seeking monetary damages of {$1000.00} per violation. 

I trust that the CFPB will thoroughly investigate this matter and ensure that XXXX, Equifax, and XXXX correct their reporting errors promptly. I expect a timely response from the CFPB regarding the steps taken to rectify this situation. 
Please find attached relevant documents supporting my claim, including previous complaint communications with the credit bureaus. 
Thank you for your attention to this matter, and I look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-01-05
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: Experian Information Solutions Inc. (FL)

I went through a modification process with XXXX XXXX some years ago, account number XXXX. There were 3 different modification specialists that made errors while I went through the process making the process way more extensive than the normal processing time. Due to their error, mishandling of documents sent via fax and other issues that were no fault of my own. Continuously contacting them to verify documents and being told to wait and then after numerous months they would again claim they didnt have the documents which eventually admitting they had which I knew they had as I had faxed. I would complain about the reps being neglectful and each time, I had to start over with another rep doing the same thing and not being informed throughout this extended process that they put late payments on my credit report again because of their neglect numerous late payments were put on my credit reports which was not fair and I am being penalized. I have been a loyal customer with this organization. I have been loyal to this organization and I have had 3 homes with the organizations transitions. I started off with XXXX XXXX, then XXXX now XXXX XXXX. This is not right for me to be penalized with all of these late history payment recorded. This obsolete account has been on my credit reports since XX/XX/2005 and they have uncountable unfair late payments recorded for my history of payments.
Consumer complaint received 2018-01-29
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc. (CA)

I signed up for a credit card at a express store in XXXX, CA in XX/XX/XXXX and when I received my bill in late XX/XX/XXXX it had a late fee. I paid that late fee instead of disputing it and continued making regular payments until XX/XX/XXXX when I paid the remaining amount on the account. Fast forward to XX/XX/XXXX I ran my credit with a service that came free with XXXX   and my score was about 200 points lower than it was on XX/XX/XXXX stating that I had a balance on that express card and it reported late fees. When I called XXXX XXXX ( the bank express uses ) they acknowledged the error and removed the late fees, but said I had to  send in a dispute to get it off my credit report. The cashier at the express typed my address off of my ID and left out the apt number, but I didn't notice this till I started researching how I could owe this much so I'm not sure how I was supposed to receive the bill and why XXXX XXXX couldnt removed this reported late fee after they removed the charges from my account.
Consumer complaint received 2017-12-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

This loan is under American Eduction System, under the name of XXXX XXXX or XXXX XXXX for attending XXXX in the XXXX XXXX area in California. We believed this loan was originally for our older son XXXX XXXX, however he attended XXXX XXXX XXXX garduating in XXXX. The loan was issued in XXXX when neither one of them were attending XXXX. We have been trying to get loan history and whos loan this is and have not been given any information. We now believe that we have been paying on this loan for 10 years without actually owing any monies. The reason we have waited to dispute this is beacause we did have 2 kids go to XXXX and we did take loans out for both, however when we took the loan to the kids, we decovered the descrepancies in the loans. All loans for XXXX XXXX started in XXXXXX/XX/XXXXandXX/XX/XXXX, with XXXX XXXX which were sold to XXXX services. XXXX XXXXXX/XX/XXXXStafford XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX. Thank you XXXX XXXX
Consumer complaint received 2019-01-05
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. (FL)

I went through a modification process with XXXX XXXX some years ago, account number XXXX. There were 3 different modification specialists that made errors while I went through the process making the process way more extensive than the normal processing time. Due to their error, mishandling of documents sent via fax and other issues that were no fault of my own. Continuously contacting them to verify documents and being told to wait and then after numerous months they would again claim they didnt have the documents which eventually admitting they had which I knew they had as I had faxed. I would complain about the reps being neglectful and each time, I had to start over with another rep doing the same thing and not being informed throughout this extended process that they put late payments on my credit report again because of their neglect numerous late payments were put on my credit reports which was not fair and I am being penalized. I have been a loyal customer with this organization. I have been loyal to this organization and I have had 3 homes with the organizations transitions. I started off with XXXX XXXX, then XXXX now XXXX XXXX. This is not right for me to be penalized with all of these late history payment recorded. This obsolete account has been on my credit reports since XX/XX/2005 and they have uncountable unfair late payments recorded for my history of payments.
Consumer complaint received 2018-01-29
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC. (MI)

I'm not sure if you guys have any information on XXXX XXXX student loan they went out of business but before they did I know there was a big lawsuit against them for fraudulent activity well I originally only borrowed a lesser amount then what is now owed, now is crazy an amount, and almost seems as if my loan was doubled somewhere down the road and I can't get any answers from anyone I definitely didn't borrow the amount that they are now showing I owe ..
Consumer complaint received 2019-01-05
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO. (MN)

Ford Credit sent information to this XXXX/customers personal financial banking institution that resulted in a halt of funds for the required agreed upon monthly payment. During this time, this customer, went to the Ford Credit website to apply payment. This customer paid according to the displayed due balance listed on Ford Credits website. This resulted in an unpaid portion of {$29.00}. Notification to this consumer of the unpaid balance did not reside, however, a 30 day late status was reported to all 3 credit bureaus. 

Previous to this experience, this writer, frequently submitted payments over the agreed to amount/balance due, so seeing a change in the amount due was not uncommon. 

This customer has written a letter, including the facts above, to Ford Credit.

Correspondence was received from Ford Credit by the writer. Ford Credit disputed this customer paying via their personal autopay financial institution. This is simply not true. 

The unpaid {$29.00} was an oversight resulting from the Ford website  reporting a balance that differentiated from the ebill. This writer has taken screenshots of the error as it has happened again following the date of the stated grevience. 

This XXXX/customer has reached out to Ford Credits customer service with no resolution.
Consumer complaint received 2019-01-05
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. (IL)

have contacted all 3 major credit bureaus to get accounts removed due to ID Theft along with police report and ID Affidavit and they refuse to reinvestigate, remove or block inaccurate information reporting these accounts are : 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 and XXXX XXXX .
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. Equifax is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-07-19
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: REGIONS FINANCIAL CORPORATION (TN)

XXXX Remaining Negative Accounts. 

Account Name : REGIONSBANK Account Number : XXXX Account Name : XXXX XXXX  XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VIRGINIA DEPARTMENT OF XX/XX/XXXX  XXXX XXXX XXXX  XXXX Balance Owed : {$540.00} XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX  XXXX XX/XX/XXXX  XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2019-01-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio recovery has bought a debt from XXXX XXXX XXXX, in which the original creditor was XXXX XXXX. I paid the balance to XXXX XXXX XXXX. I currently have an open and good standing account with XXXX  XXXX that was opened in XX/XX/2018. Portfolio recovery is trying to collect on a debt in which I already paid. I have tried to dispute this with the credit bureaus and has had no success. Portfolio recovery has harassed me by calling my cell phone constantly and sending me mail!
Consumer complaint received 2021-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CO)

Hello, I have a loan with Caliber Homes and they force me to escrow the money for taxes and insurance. In years past they mailed a payment for the taxes in early XXXX. this year they had not mailed a payment towards the end of XXXX. I reached out to them to find out why they had not mailed out a payment to pay the 1st half of the taxes. Their response was that the taxes had been paid ( in XXXX of 2020 ) and were up to date. Funny thing is I then check back after I made the inquiry they mailed a check, which made it impossible for the county to process it by the deadline. They also assured me that the taxes will be paid on time. Well going on to the county 's web site I see that they have not still been paid, or now late and interest is accruing. I have tried to contact them multiple times and constantly get the run around and a non-answer answer from them or a delay in response that it will take a week to get an answer.
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Utah System of Higher Education (ID)

XXXX was contacted and reports to me as a consumer that my student loans are in closed status as I am still in my 3 year review period from XXXX and XXXX XXXX Discharge. The review period ends on XXXX XX/XX/XXXX. But the Credit report given to a potential creditor on a hard pull of my credit still lists my student loans as delinquent and not in the closed status. The Credit dispute procedure was followed by me with XXXX online in previous weeks and months. I rechecked my credit report with a local credit union and the delinquent student loans are still included in the information that the creditor receives but not in the information I see on my XXXX  credit report I am shown by my XXXXn consumer account. This information is used to deny me credit contrary to the laws of the Consumer Fair Credit Act. I disputed the XXXX account in XX/XX/XXXX and I checked the status today on XX/XX/XXXX. The Delinquent account status is not supposed to be there according to my understanding of the XXXX when I received a XXXX discharge of my loans in XX/XX/XXXX!!
Consumer complaint received 2022-07-19
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)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX # XXXX has violated my rights. 


15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

My credit report is showing late payments on XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history or better yet, DELETE the whole account from my report. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Consumer complaint received 2021-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

The 3 credit bureaus were continuously reporting inaccuracy and errors with this specific account. I have submitted my last letter to them last XX/XX/2021, requesting for a reinvestigation and a copy of any legal documents to be submitted to my address or email. Nevertheless, up to present, I have not received any response from them. Thus, the 3 Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes.
Consumer complaint received 2023-09-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (DC)

Over XXXX weeks ago, Cashapp closed my account for what they claim was a violation of the " terms of service ''. 
I contacted the customer service department to determine what term they claim was violated. 
Customer service at tgat time said an email with that information would be sent. 
No email was sent. 
I contacted customer service again to ask about the status of the email. 
I was required to resubmit my complaint and was again told that I would be receiving an email from the company with regards to the reason my account was closed. 
No email was sent. 
After XXXX weeks, I again contacted customer support. I was told again that I again should expect an email, I requested to speak to a supervisor as I was certain that I was not going to be receiving the email after being falsely promised emails XXXX times before. 

I was then told that there was no supervisor, that I would not be given any further explanation as to why my account was closed, and I was hung up on. 
I called customer service back, speaking to a different agent, and was again told that I would NOT be receiving any information as to why my account was closed, I was not allowed to speak to a supervisor and I was hung up on a second time. 

I have thoroughly reviewed the terms of service. I can not determine ANY term that I have violated. As the company is not willing to provide answers, I have to presume that I am being targeted personally or politically by the company. 

How can a company have terms of service and not inform people of why they are being cancelled?
Consumer complaint received 2019-01-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

On XX/XX/XXXX, I filed a report with the XXXX Police Report that my drivers license and social security had been lost in between XX/XX/XXXX at a house I rented that non of the XXXX XXXX XXXX accounts were mine including satellites tv, internet and landline phone. 


I filed a formal complaint with XXXX XXXX XXXX XXXX XXXX threatened to sue them and with their fraud division at below address on XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX They sent me a letter of apology for the inconvenience stating that the accounts had been removed, no impact on credit and to keep open to their services should an opportunity arise. 

Here we go again after more than two years. There should be a class action suit against XXXX XXXX XXXX and their collection agencies who they sell their accounts that were already removed and communicated to the victims.