davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-09
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. (NJ)

I just came back to XXXX after XXXX yrs and i checked my credit report and it says i owe, XXXX XXXX {$910.00} in XXXX, XXXX XXXX XXXX in XXXX, XXXX XXXX XXXX  {$510.00} in XXXX, & XXXX XXXX in XXXX i would like for you to delete this from my credit report since its hurting me, being that im a new citizen in XXXX XXXX
Consumer complaint received 2018-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

The mortgage payment for account # XXXX with Carrington Mortgage Services was paid but my credit report shows past due and last activity on XX/XX/XXXX. The mortgage was paid off on XX/XX/XXXX. The following is incorrect and on my XXXX credit report : Company/Account Name : CARRINGTON MORTGAGE SERVIC Company Address/Phone : XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Last Activity : XX/XX/XXXX Type : N/A Rate/Status : Not more than two payments past due High Credit : {$190000.00} Terms : N/A Balance : {$160000.00} Past Due : {$1300.00} Most Recent Date Reported : XX/XX/XXXX Comments on Account : Real estate mortgage
Consumer complaint received 2022-01-09
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. (IN)

This is the continuation of complaints filed against Experian about incomplete and inaccurate reporting of accounts on my credit report. This account reflects US Dept of ED, account number XXXX. The credit reports reflects that it is a closed account, and 'transferred to another office ''. The original amount reflecting as XXXX. This account shows that in 2017 no data was available for XXXX, XXXX, XXXX and XXXX, but then reports that the account is 120 days late in XXXX, 120 days late in XXXX and 120 days late in XXXX. The credit report also shows no applicable payment for XXXX and no dates shown for the rest of 2017, XXXX through XXXX. There is no original creditor shown. I have no knowledge of who this debt collector is listed under the guise of US Dept of ED, the number isn't a working phone number and the number on the recording hangs up at ( XXXX ) XXXX. The credit report reflects, " disputed by consumer ''. I have requested validation of this debt, but I only have received generic, vague responses, if any responses at all. I have never received anything substantial. The address listed is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. I have spoken with representatives from a company called XXXX XXXX with this same address that I found on a XXXX search, unfortunately they were unable to help me. I demand validation of this account. I demand proof of claim for this account. I am demanding to know their permissible purpose for being on my credit report, does this company have a binding two party contract with me? I want to verify that there is no debt parking on my credit report.
Consumer complaint received 2019-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

After asking to EXPERIAN to investigate a violation with a Past Due balance in a collection account, EXPERIAN came back to me in XX/XX/2019 marking as " VERIFIED '' the Violation from XXXX XXXX XXXX reporting a past due balance in a Collection account.. 
Why do I have to notify you that its a Violation of the FDCPA to report a collection with a past due? .. 

XXXX XXXX XXXX is reporting a past due in a collection account wich is a violation of the FDCPA and must be deletes from my report.. 

I did the proper request to EXPERIAN and XXXX XXXX XXXX confirm the violation, also I will include picture of the EXPERIAN report where you can see the before and after in a circle ... 
I dont want to see excuses from EXPERIAN or XXXX XXXX XXXX knowing theres a clear violation ...
Consumer complaint received 2024-05-22
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (TN)

Pulled my credit report and disputed with credit bureaus on XX/XX/2024. Which immediately came back as verified on XXXX. 

Reached out to DRS on XXXX and again on sent the same letter requesting that they verify the the debt by sending application of credit, the cardholder agreement and the monthly statements. I sent another letter again on XXXX and I have yet to receive anything on this text by mail as requested. 

I have ask them to remove this item from my credit by failing to provide proof of this debt and they have yet to do so, The amount that they are asking on my credit report is {$1300.00} but I received a text asking for {$1700.00}
Consumer complaint received 2018-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm a victim of identity theft I contacted the credit agency such as TransUnion, XXXX, XXXX via Certified Mail that I had inquiry on my credit fraudulent providing them with a police report of the incident stateing my California Driver license including my Social Security Card TransUnion stated that there was nothing they could do that I had to notify each inquiry on my credit that I was a victim of identity theft and ask for a letter stating I did not inquiry about there agency so I did I was told they don't do that and I just had to wait tell they drop off so I contacted TransUnion again upon my information I was given the same story I stated to them again that they have a report stating im a victim of identity and im asking the inquiry be removed they said no can do I have hard inquiry for Airlines credit I have never been out this State.. please help
Consumer complaint received 2021-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

To whom it may concern, On XX/XX/2021, I deposited {$1100.00} to my bank of America bank account. The machine stopped working during depositing money and the message appeared. It said there was an issue and {$300.00} was deposited to my account. Therefore my {$880.00} dollar was missing. Then I called the bank immediately. They made a claim. But the bank decided there was no problem with my transaction and refused to pay {$880.00} on XX/XX/2021.
Consumer complaint received 2019-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (CO)

I had leased an apartment for a year with my close friends. When XXXX XXXX went under new management, we came home at XXXX  and our belongings were thrown out of the apartment. We had no written letter, no eviction notice, no explanation. When we went to the office we were told that new management was taking over and that there was nothing they could do. I was young when this happened and had no idea how to handle it. Years later I got this collection on my credit but didnt believe it to be true since it wasnt a normal eviction. This was in year 2015. I was XXXX years old. Now XXXX at XXXX XXXX is trying to collect XXXX $ through a debt collector.
Consumer complaint received 2024-05-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (CO)

Regardless of multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The BARCLAYS BANK DELAWARE failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 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 statues. Please remove this account completely from my credit reports. 
Barclays # XXXX
Consumer complaint received 2021-11-09
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. (TX)

This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XX/XX/2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
Consumer complaint received 2021-06-07
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. (FL)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 35 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 35 days gives a reason to immediately remove those items from my credit report. Its been over 35 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-11-05
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. (TX)

I filed a dispute in regards to the incorrect items on my credit report, it has been well over thirty ( 30 ) days and I have yet to recieve any investigation results.
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AR)

I called Experian to tell them about some inquiries on my credit report that were fraudulent. A rep from experian told me to file an ftc report and upload online then call them back so they can remove the fraud inquiries. I did what the first rep told me and I called back and got someone different and they told me a totally different thing to do. I just want my credit report
Consumer complaint received 2021-05-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (MS)

I ordered a indoor security camera online from Lowes and charged it to my LOwes credit card, but the camera does not work. So I called and ask for a return label so as to return it via " XXXX '', as that is the way it was delivered. So I spoke with a LOwes rep and she sent me a email confirmation without a return label which is necessary when returning a package for a refund. THe Fedx man came this morning and did not pick the package up even though he scanned it. I can not get a hold of a lowes rep and I was on hold for 20.5 hours waiting. THe order number is, XXXX. I am not paying for a product that does " NOT '' work.
Consumer complaint received 2021-06-07
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. (CO)

XXXX  and Experian should not be reporting me as an authorized user on the XXXX XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureaus to remove this item however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is seriously harming my credit score and this line item need to be removed from my credit report.
Consumer complaint received 2022-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (FL)

-again and again more overdraft fees in my account even the funds are available and deposited before XXXX XXXX  like their representatives told to do. I called Customer service to sort this problems out but they always refuse to do so. This is the second time I write this issues to consumer bureau about excessive overdraft fees with TD Bank. The funds are always available before XXXX XXXX in my account. 
There is a class action lawsuit against them but they dont want to learn from their experience.
Consumer complaint received 2021-05-25
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. (AL)

On XX/XX/2021, I filed a dispute with Experian, XXXX  and XXXX  about the inaccurate report of the account XXXX XXXX Account number XXXX, .. In 2 months I have asked numerous times for a response to their investigation and I have not received anything in response from this bureau, this is a violation of the FCRA 30 day investigation policy. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. I have attached documentation for proof of my complaint. Thank you
Consumer complaint received 2022-01-12
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Acquired Assets, Ltd. (GA)

Allen & Associates based in XXXX XXXX XXXX XXXX, NY XXXX is a scamming fake debt collection company! They create Non existent debt and call to harass even though they have received a letter from me to stop their illegal sneaky tactics! They also will not take any letters you sent them and will refuse them back to the XXXX XXXX  so they can claim later that they never received anything from the alleged debtor! I sent them a tracked letter and a Fax and yet they still are trying to call me to harass me, even though they are not supposed to especially since I have told them not to and since this is the law! Also they are violating my right since I am on the DO NOT CALL LIST! This company is running an illegal debt collecting scam and must be stopped and prosecuted immediately!
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX was denied stating that : " Based on you r application information, application submitted is incomplete or can not be verified. '' XXXX Equifax XXXX Relations : Time since most recent account opening is too short. ( I was approved for a XXXX XXXX XXXX XXXX without issue {$1500.00} XXXX XXXX which is being managed appropriately ). 

Number of accounts with delinquency. ( I have no accounts with delinquency and have a 100 % perfect payment record ) Proportion of balances to credit limits too high on bank revolving or other revolving accounts. ( I am using between 10 - 25 % Credit limit way below 30 % ) Time since delinquency is too recent or unknown. ( There is no delinquency )
Consumer complaint received 2022-01-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (LA)

I am filing a complaint because I have a FHA loan through the remediation program with Well-Fargo. As you know the recent disaster Hurricane IDA who tour through the XXXX region. My home is located in XXXX XXXX XXXX XXXX XXXX was was severely damage by Hurricane IDA. To make a long story short. My home suffer so much damage that my insurance company maxed out my Dwelling cost. Because mortgages are also endorsed on the insurance checks if there is a long it puts the homeowners at a disadvantage due to the process of endorsement. I feel like Wellsfargo is practicing discrimination by holding funds necessary to complete my home. I believe that they are purposely doing this for this area to make the house go into foreclosure and keep the remaining funds that is need to complete my home. I have submitted receipts and contractors estimates and I am still giving the run around. I am asking FHA to look into Wellsfargo practices with homeowners who have FHA loans and still is required to make monthly payment on a home that is not livable due to Wellsfargo not releasing the remaining of the funds.

I feel like Wellsfargo is practicing discrimination by holding funds necessary to complete my home. I believe that they are purposely doing this for this area to make the house go into foreclosure and keep the remaining funds that is need to complete my home. I have submitted receipts and contractors estimates and I am still giving the run around. I am asking FHA to look into Wellsfargo practices with homeowners who have FHA loans and still is required to make monthly payment on a home that is not livable due to Wellsfargo not releasing the remaining of the funds. I feel like I am being harassed everyday when calling to plead with them to release the funds so I can finished a FHA backed loan which I am required to make monthly payments even though I have no home to stay in.
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX is reporting inaccurate information and fraudulent status never late and is a XXXX balance My account capital is current and never late and there are duplicates my XXXX XXXX  and XXXX  is paid with XXXX balance why does XXXX keep posting old information and inaccurate information. 
My.XXXX  account is a settlement XXXX balance. XXXX  is continuing monthly to report inaccurate information the disparities and discriminatory action to report fairly and accurately must stop. 
These actions hinders my chance of looking favorable to creditors and financial organizations. It must stop and as a last resort if this continues I will seek legal assistance.
Consumer complaint received 2021-06-07
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. (PA)

My personal credit report has a delinquent account referring to " Utilities '' from " XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX. I have tried to contact them to find out what this is for and can not reach a representative. When I call, a recording trying to sell everything from car insurance to XXXX XXXX comes on. I do not have any idea what this is for. The first delinquent date of XXXX XXXX  report is noted XX/XX/2020? The account # from them is noted XXXX. and is noted as " individual account '' all of thisinformation is included on the file attachment.
Consumer complaint received 2019-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On my Transunion report # XXXX dated XX/XX/2019 inaccurate information from the US Dept of Education was correctly removed from my report. Transunion then illegal re-added these items without any notification which is a violation of CRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] regulation.

Please find an excerpt below.

Requirements relating to reinsertion of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinsert in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notice from Transunion.