davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-27
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. (CA)

XXXX has been contacted by mail on XXXX XXXX that they are incorrectly reporting the balance on the XXXX XXXX. In addition, they are failing to report payments made on the account. The information supports that the agreement to pay {$9100.00} would be accepted to settle the debt. They agreed to this amount on XX/XX/XXXX. The payments to date have been on XXXX XXXX for {$260.00}, XX/XX/XXXX for {$260.00}, XX/XX/XXXX for XXXX, and {$260.00} XX/XX/XXXX. 
XXXX is reporting the full balance as a charge off for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
The payments have been reflected on the full amount of the balance which was agreed to settle for $ XXXX payments of $ XXXX {$1000.00} which leaves a balance to be paid based on the agreement of {$8100.00}. 
XXXX reports the amount due of {$14000.00} which reflects payments to reduce the balance from the amount that XXXX arbitrarily decided to report on as I am following the rules of the settlement agreement with XXXX. When I discussed the matter with XXXX the agreement would state the balance due of {$9100.00} with the payments being made. The account would be reported as closed versus a derrogative against me each months for making the agreed upon payment. XXXX is making this decision to hurt me regardless of their agreement to settle the account. 
I am demanding the XXXX honor the agreement and report accurate and honest information to all the credit bureaus. The letters sent to me do not respond to the information attached to this complaint and can be viewed as incorrect on the XXXX credit bureaus.
Consumer complaint received 2021-08-26
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: ADP Inc. (MD)

Wisely by Adp Prepaid a Services who was formerly Global Cash Card, blocked my deposited 2021 Tax Refund, and I'm not able to access my funds. They communicated to me I must tell them a Security Phrase, that I never set up with them for the account, or upload my Social Security Card and Identification Card Documents to them through a link they texted to me, in order to access my funds from my account. I communicated to them, that I'm not comfortable sharing that type of information, due to it's sensitive, and they stated they can't release my funds until I do so. Please assist me in coming to a immediate resolution. A copy of the link they texted me, so that I can upload my Social Security Card and Identification is attached below. 
Thank you, XXXX XXXX
Consumer complaint received 2024-02-14
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. (RI)

Dear Sir/Madan, After checking my credit report from your organization, i discovered inaccuracies that needs to be addressed immediately to ensure the accuracy of my report, pursuant to 15 USC 1681e ( b ) Account : XXXX XXXX SSN XXXX XXXX Collection Acct : XXXX XXXX XXXX  Original Creditor : XXXX XXXX Account : XXXX Amount : {$970.00} This debt collector engaged in abusive, misleading, and unfair FDCPA activities, which are prohibited. They provided this account, which we did not agree on and I did not sign. A legal contract is signed by two parties, and I was not involved in any of it. Furthermore, they failed to follow the necessary five-step validation procedure, making their acts unfair According to the FDCPA, I am entitled to {$1000.00} each infraction, and they blatantly violated my rights. I demand that this corporation remove this account from all three credit reporting agencies and reimburse me for the infractions, or I will have no alternative but to forward this to my legal attorney. 

Thank You
Consumer complaint received 2021-05-11
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: BARCLAYS BANK DELAWARE (MD)

Barclays collaborated with XXXX XXXX and issued me an Wyndham Rewards Visa Card to purchase " points '' that I did not want. 
XXXX used deceptive practice and fraudulent pressure to sell their product, and Barclay being the active party immediatey issued a $ XXXX credit card making it difficult to back out. 
Since XX/XX/2019 I have been paying back the loan. I never used the " points '' and will be not be using it in the future. I had exceed the 5 day grace period in XX/XX/2019 to back out of the application. ( Less than a month ) I called them but they provided no resolution. The card was technically never activated by me. 
Just to keep myself from being reported to the Credit Burea I continue to make a monthly payment. I am nealy XXXX and was very tired on the date of the purchase. The value of the Club package was $ XXXX which they kept being charging to this card. I currently pay over {$150.00} in monthly interest. 
I relaxed a moment only to become a victim to their scheme - a nightmare. An entanglement impossible to get out without spending even more money. 
Lost all my respect for Barclay a financial instituion I had admired.
Consumer complaint received 2018-07-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Douglas, Chancellor, Meyers and Associates, LLC (CA)

Between XX/XX/2018 and XX/XX/2018 Douglas Chancellor Meyer placed a collection on my credit report for {$310.00}. I have had no correspondents or communication with this company. Nothing was sent to me in the mail to dispute or confirm/verify that this account is mine. I have never did business with this company. THIS ACCOUNT IS NOT MINES.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I filed bankruptcy and all debts owed were included and discharged in 2019. I communicated this with the debt collection company ( XXXX XXXX XXXX XXXX ) and they stated it was was not. In the event that this is true, I did not obtain, apply or consent to this loan ( XXXX XXXX ) and therefore it was obtained as a result of fraud and should be deleted immediately.

I also contacted all three credit reporting agencies and disputed these directly ; no action was taken. This despite me providing bankruptcy information which was discharged in 2019 ; and the debt collection being reported 18 months later after the original debt was successfully discharged.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I filed bankruptcy and all debts owed were included and discharged in 2019. I communicated this with the debt collection company ( XXXX XXXX XXXX XXXX ) and they stated it was was not. In the event that this is true, I did not obtain, apply or consent to this loan ( XXXX XXXX ) and therefore it was obtained as a result of fraud and should be deleted immediately.

I also contacted all three credit reporting agencies and disputed these directly ; no action was taken. This despite me providing bankruptcy information which was discharged in 2019 ; and the debt collection being reported 18 months later after the original debt was successfully discharged.
Consumer complaint received 2021-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BOEING EMPLOYEES CREDIT UNION (NC)

I opened a BECU account under the refer a friend program. I never received the bonus. It has been the full amount of time to wait and still have not received. I called in several times saying wait few more weeks and I did but the bonus was never put in the account.
Consumer complaint received 2021-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2017-06-11
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. (MN)

I submitted several times to  XXXX  and Experian over incorrect dates used on credit report collection accounts  XXXX  accounts reported and  XXXX  wrong dates these are from healthcare related issues with daughter in  XXXX . Extremely upset as only accounts in collection and due to healthcare and I had credit insurance to make payments in absence of income and inability to keep income. They have brought my score down by reporting them from  XXXX ,  XXXX  and they are all  over 4 years old.
Consumer complaint received 2022-07-06
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: Experian Information Solutions Inc. (NY)

This is my XXXX letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


The following account need to be removed as they are fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If you claim these account are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove this account from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block this account I will be referring this matter to my attorney for further action. Please do not make this a litigious matter
Consumer complaint received 2022-03-28
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. (GA)

I was taken advantage of due to malpractice while several laws were being broken under FCRA by your company. This has caused the financial injury, defamation of character, unable to get a job, and the inability to apply for credit under my consent and authorization. This has hurt my ability to obtain credit. My family and I are suffering due to this. You are indirect violation of the FCRA if these unauthorized inconsistencies are not removed. This leaves me exposed to being a victim of fraud again. Your company is breaking the law! The dates on the accounts that need to be remove are reporting different dates, that is a huge FCRA violation. Thank you for understanding these violations and these inaccurate fraudulent accounts that do not belong to me.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report. Please don't ignore my request to correct the following : 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
Consumer complaint received 2022-03-27
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-05-11
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)

XXXX XXXX Experian and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute Account XXXX ; XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX ; Collection XXXX ; XXXX  Collection XXXX ; XXXX ; XXXX ; and XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Consumer complaint received 2021-12-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

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. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2022-09-23
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (CA)

I aquired about {$34000.00} in federal student loans with Nel Net, from attending XXXX XXXX and after consulting with a Credit Repair Attorney and Credit Analyst, I learned that I have XXXX accounts with Nel Net. Each account is showing that I have 10 late payments, with a total of 90 late payments combined. They are showing on my credit report as negative accounts and it is heavily impacting me and my credit. I placed my loans on forbearance due to economic hardship and while my loans were on a forbearance status, my student loan company kept on reporting my payments as late payments to the credit bureau in XXXX, XXXX- ( 90 days late ), XXXX- ( 120 days late ), XXXX ( 120 days late ), XXXX ( 120 days late ), XXXX ( 120 days late ), and in XXXX XXXX- ( 120 days late ) and again in XXXX XXXX- ( 90 days late ), XXXX- ( 120 days late ), XXXX- ( 90 days late ), XXXX- ( 120 days late ). I placed my loans on forbearance a few times and each time I would do so, I would place my loans in forbearance status over the phone with a representative because I did not have immediate access to a fax machine or computer. I would also ask what I needed to do on my end to make sure I wouldn't fall into a negative status and their response was to continue to call back. 
Nel Net did correct some negative reports and I really appreciate what they did but after learning of the new negative reports, I am asking and begging Nel Net to please remove the negative reports off of my credit. It is really impacting me personally and mentally, there is a very high chance that I will need to move out of my curent home with my children and move into a relatives home because I can't afford to pay a high deposit rate due to my credit that is being impacted by the negative reports from Nel Net.

I've asked Nel Net to please help me out and they state they can't do anything for me but to file a dispute with them. They also stated I was not eligible for the forbearance program because my time on the program expired and I was not informed of the situation.
Consumer complaint received 2021-12-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. Upon reviewing my updates, incorrect information was found in my reports. The Experian 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 inquiries that are reporting on my Credit Reports : ( XXXX XXXX XXXX XXXX XXXX Date XX/XX/2020, XXXX XXXX Inquiry Date XX/XX/2XXXX XXXX XXXX  Inquiry Date XX/XX/2020, XXXX XXXX XXXX Inquiry Date XX/XX/2020 )
Consumer complaint received 2021-08-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CT)

On XX/XX/XXXX, I submitted a loan application to Rocket Mortgage to refinance my property. All documentation requirements were met within 10 days based on the documents that were listed at Rocket Mortgages online portal. My credit score is over 715 at all three credit bureaus. I've had over 8 mortgages in the past 20 years and they were all paid as agreed without issues. 

The matter of child support arrears and unknown issues such as the possible existence of alimony stemming from my XXXX divorce was raised ( on the phone only ) as the only areas of risk. Rocket Mortgage requires any such debts to be paid off similar to existing mortgages on a subject property EVEN IF THERE ARE NO LIENS. 

On the matter of child support, I provided an order from the Court terminating monthly child support payments effective XX/XX/XXXX. At the time of the loan application, I had a balance of approximately {$11000.00}. 

On XX/XX/XXXX, the Title Review and Appraisal were completed with no issues that would prevent loan approval. THERE WERE NO LIENS ON THE PROPERTY. 

On XX/XX/XXXX, I spoke to the loan officer and was informed that the primary reason for cancellation is my unwillingness to provide Rocket Mortgage with a copy of my XXXX Divorce Degree for the purposes of establishing whether I owe alimony to my ex-wife or any other divorce-related debt.
Consumer complaint received 2021-12-14
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. (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. The Equifax Credit Bureau is reporting inaccurate information on XXXX  XXXX XXXX  XXXX ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX XXXX XXXX XXXX XXXX XXXX  )
Consumer complaint received 2021-12-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2021, I sent letters regarding inaccurate and unknown items on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate items within 30 days gives reason to immediate removal of those items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by XXXX data breach and may have got into the hands of the wrong person.