davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-02
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. (IL)

Ive submitted disputes to the reporting agencies and I get nothing in return and when I call they hang up on me or refuse to transfer me to the right department
Consumer complaint received 2022-01-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Lending Club Corp (NY)

This letter is in reference to my poor experience with Lending Club 's customer service operations, from the loan application submission on XX/XX/XXXX to date. 

On XX/XX/XXXX, after submitting the corrected documents requested around XXXX, the same day near XXXX I received an email from Lending Club to upload the same documents that were already submitted. 

I then called Lending Club customer support to clarify the confusion. I called in around XXXX and spoke to a representative who stated he would note my account the specifics of me being self-employed, not possessing a W2 form, and having submitted all equivalent documents requested. As well as the representative verbally confirming my address information. 

However, at XXXX I received yet another email from Lending Club to upload again my : 1 ) W2/Year-end pay stub 2 ) The 1099-MIsc 3 ) Address document Upon calling XXXX XXXX customer service again, I spoke to a female agent who referenced the notes from the previous representative I had just spoken to. In the end, she confirmed again all documents are in receipt, and the email repetition were more than likely due to a systematic error. 

Nonetheless, the disorder continues, as I receive a missed call from Lending Club on XX/XX/XXXX early afternoon. I called customer service only to be informed from the representative, Lending Club is requesting 3 documents. 

When addressing this will in fact the 3rd time Lending Club is asking for the same 3 documents. The representative again apologized for the confusion, confirming yet again documents have been submitted. 

From XX/XX/XXXX to date, this issue was never resolved nor addressed. Instead, after Lending Club received my grievance complaint letter on XX/XX/XXXX, regarding their disorderly customer service I've experienced for over 2 weeks. Instead on XX/XX/XXXX, Lending Club 's response to me was denial of my application.
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XX/XX/2021 I sent a letter to Experian in regards to their investigation with XXXX XXXX XXXX Experian is reporting incorrect information that is hurting my credit report and I asked them to re- investigate and send supporting documents under the Fair Credit Reporting Act Public Law 91-506, Title VI Section Subsection 611 A-D. They haven't sent no supporting documents on their claims that's information they are reporting is correct.
Consumer complaint received 2022-10-26
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I check my credit report every day and I checked my report on XX/XX/XXXX to find out capital one and XXXX XXXX  has added XXXX inquires illegally to my credit profile from XXXX of this year that wasn't showing at all until XX/XX/XXXX these inquiries are fraudulent and are not mine I have not applied for capital one or XXXX XXXX and am not currently a cardholder with these companies these inquiries should be removed immediately ... also the address they provided they say the application was made with of XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX and phone number ( XXXX ) XXXX isn't my address I have never lived or resided at that address at all
Consumer complaint received 2018-03-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: JH Portfolio Debt Equities, LLC (OH)

Jh portfolio kept calling me and said that I owed them money I asked them to validate the debt.I never received a validation of debt from them instead they decided to sue me for a debt I never had.i answered the lawsuit and I put in a counterclaim for harrassment and fraud.i sent a certified letter to them and asked them for a signed copy of the contract.i never received this.i have also put in a dispute with XXXX to have this removed from my credit report.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (FL)

I am writing to bring to your attention certain violations of my rights under the Fair Credit Reporting Act ( FCRA ). 

Right to Privacy : As outlined under 15 USC 1681, Section 602 of the FCRA, I have a fundamental right to privacy. I believe this right has been infringed upon.

Furnishing of Information : According to 15 USC 1681, Section 604 A, Section 2, a consumer reporting agency is prohibited from furnishing information about my account without my explicit written instructions.

Late Payment on Credit Card Account : Under 15 USC 1666 B, creditors are not permitted to consider a payment on a credit card account under an open-end consumer credit plan as late for any reason.

Given these apparent violations, I kindly request an investigation into the matter to ensure my rights are protected and any necessary remedial actions are taken.
Consumer complaint received 2018-02-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Our situation is a little different than the typical " student '' debt situation. My husband graduated in XX/XX/XXXX with his XXXX in XXXX XXXX. He then started to take his licensing tests. Unfortunately he was unable to pass the test. He would then re-take it a total of 6 times. New federal regulations with XXXX came in to affect on XX/XX/XXXX which would put a lifetime limit of his testing. Therefore, he will never be a XXXX XXXX. Even after attempts of appealing, speaking with lawyers, and our senator who is helping us in this area. My husband makes XXXX $ /hr. The 3 other people who have co-signed are in completely different financial situations then when they first signed years ago. The economy has changed drastically. We have been handicapped for any re-payments. Over the years we have spoke to several loan departments who wanta ridiculous amount of money up front or in huge amounts. We rent a small home, have XXXX children who share 1 bedroom, no insurance and lots of debt. The private student loans are from a few different lenders who have now gone into collections and lawsuits : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Amounts are as follows : {$59000.00} {$54000.00} {$18000.00} Federal student loans are {$270000.00} which are in an IBR of {$200.00} a month. Still difficult for us but what are we suppose to do? We are in {$400000.00} of student debt!!! With nothing to show for it because of federal laws that limited the amount of time someone can test. When he missed by minimal points! Please help!
Consumer complaint received 2018-02-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (TX)

To be brief, around XXXX of XXXX, I informed Ditech that I was unemployed at the time and that I was worried about my mortgage, since by that date I was perhaps two months if not more, behind. I was assured not to worry and that things could be worked out. I was told that if I could make payments on XXXX and XXXX of XXXX and XXXX of XXXX, then they would give me a loan modification. If memory serves, either late XX/XX/XXXX or first part of XX/XX/XXXX, I informed Ditech that I was still unemployed, despite applying everywhere and still looking daily for work. I was informed that as long as I make a payment, things could be worked out. Next thing, I receive a letter informing me that my home has been scheduled for foreclosure on XX/XX/XXXX. I was denied unemployment benefits, so even making a partial payment was out of the picture. All that XXXX wasted XXXX time talking to Ditech and being given, what I would now call false hope, just to lose my home anyway. In essence, it appears and feels as if I was just strung along until there was only one thing for Ditech to do and was to foreclose. We have no where to go.
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

THIS IS THE SECOND TIME I FILING A COMPLAINT WITH CFPB WITH THIS CREDITOR. TRANSUNION CREDIT REPORT IS DOING A TERRIBLE JOB WITH THIS CREDITOR. THE CREDITOR NAME IS CHILD SUPPORT. THE LAST 3 MONTHS IT KEEPS OPENING AND CLOSING THE ACCOUNT WHEN CLEARLY ON XXXX ITS SHOWS THE ACCOUNT IS CLOSED. I AM TIRED OF THIS PROBLEM AND IF IT CAN NOT BE FIXED PLEASE DELETE THIS FROM CREDIT REPORT OR I WILL TAKE LEGAL ACTION. I WILL SUBMIT ALL MY PROOF WITH THIS COMPLAINT. I WANT EVERYONE TO KNOW THESE CREDIT REPORTING BUREAUS DO NOT CARE ABOUT YOUR RIGHTS.
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: KEYCORP (OH)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX and XXXX. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2018-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (TX)

I use XXXX XXXX XXXX online banking for the ease of : a ) removing the need for paper bills to mailbox & possible identity theft, b ) extensive electronic relationships provide expedient & efficient payment. 

However, some times due to any number of reason outside of my control, the creditor does not receive timely payment. Case in point against Barclay now seeks to charge {$25.00} late payment, but it's not my issue of their communication with XXXX.. 

I refuse to be charged late fees for matters outside of my control and DEMAND it removed from my bill.
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: Nelnet, Inc. (OH)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

These accounts are reporting late, yet it is closed and the balance is XXXX as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2019-03-15
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: CAPITAL ONE FINANCIAL CORPORATION (UT)

Capital One is reporting a debt on my credit file that is not mine. I was only an authorized user on this account, and I have been removed off of this account for quite some time now. This needs to removed off my credit file.
Consumer complaint received 2018-02-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

XXXX  XXXX XXXX sold my mortgage to Carrington Mortgage Services with an effective transfer date of XX/XX/XXXX. 

Today is XX/XX/XXXX. I contacted Carrington to obtain my loan number so I could make a payment and get some information regarding my escrow and advise them on my upcoming due property tax payment. 

Carrington was unable to retrieve my loan number. In their words, they could not see my loan because it hasn't been transferred over and hadn't yet been onboarded. When I asked for additional information regarding the delay, I was told that they had XXXX accounts transfer over from XXXX  XXXX XXXX. When I asked the estimated date that my account would be visible so I can make a payment, their response was simply, " It's hard to say. '' According to the " good bye letter '' from XXXX  XXXX XXXX, I should have heard from Carrington no later that 15 days prior to the transfer date. I have yet to hear from Carrington. 

I tried calling XXXX XXXX XXXX, who would not provide me with any information because they no longer own my mortgage and state they can not access my information any longer. 

Carrington Mortgage Services now owns my loan. Regardless of any logistical mishaps in the transfer process, someone should be able to access my information.
Consumer complaint received 2021-01-30
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. (PA)

Ive wrote several certified letters to the creditor and credit bureau and told them this was not me. I asked them to provide me a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay the alleged amount. Theyve failed to provide me with a copy of any alleged contract bearing my signature. 

The collection is as follows : XXXX XXXX XXXX
Consumer complaint received 2018-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

After reviewing my credit report I noticed incorrect accounts that were negatively reflecting on my report hindering me from obtaining and sustaining proper living conditions for me and my family. By them not properly and accurately verifying accounts they are violating me and breaking the law by not following the FCRA. I have included another letter in the attachments that you can provide them to remove accounts and delete all unauthorized inquires from my file.
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: I.C. System, Inc. (FL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on I.C. SYSTEM, INC Original creditor : XXXX XXXX XXXX. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2020-06-04
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. (LA)

I've had lots of ID THEFT happen to me over the past few years and there are several incorrect accounts and inquires begin reported on my credit report, I have sent in all supporting documents and police reports in order to have these fraud items blocked and or removed. All documents required by the FCRA have been sent in listing all of the following fraud information. The following is fraud. 

1.XXXX XXXX 2.XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX 3.XXXX XXXX XXXX Inquiry : XX/XX/XXXX 4.XXXX XXXX XXXX  Inquiry : XX/XX/XXXX 5.XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX 6.XXXX XXXX XXXX  Inquiry :XX/XX/XXXX 7.XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX 8XXXX XXXX XXXX Inquiry XX/XX/XXXX 9.XXXX Inquiry : XX/XX/XXXX 10.XX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXX Inquiry : XXXX XXXX, XXXX 11.XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX 12.XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX 13XXXX XXXX Inquiry : XXXX XXXX, XXXX 14.XX/XX/XXXXXXXX Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX, XXXX 15.XX/XX/XXXXInquiry : XXXX XXXX, XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX ALL THE LISTED INFO IS RELATED TO THE ON GOING ID THEFT ISSUES 16.
Consumer complaint received 2018-02-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo {$750.00} claimed debt that I owe. I believe they discharged it but it is negatively affecting my credit report and I need it to buy a new home
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have sent several letters to Equifax about a negative report that is showing up in my credit profile. I am not going to allow Equifax to continue to violate my rights under law 15 USCa ( 2 ) ( b ).
Consumer complaint received 2021-06-04
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. (CA)

XXXX, Experian, XXXX. 
These companies are continuing to report derogatory marks on my credit report without consent. Also, the government closed these accounts and they are still reporting. Remove these accounts immediately. Ive sent debt validations as well as affidavits of truth and still no response in the 30 days time. Under section 3.1.1 Furnisher Incentives and Disincentives, Reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary, so please remove these from my report.

US DEPT ED {$3100.00} US DEPT ED {$690.00} US DEPT ED {$1700.00} US DEPT ED {$1700.00} US DEPT ED {$4600.00} US DEPT ED {$3300.00} US DEPT ED {$4800.00} US DEPT ED {$3100.00} US DEPT ED {$4900.00}
Consumer complaint received 2018-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (TX)

I have a collection on my XXXX credit report from XXXX XXXX. I previously had XXXX for my TV and internet service. Upon cancelling my service I returned all equipment and paid account in full. The collection on my credit report is not accurate and should be removed.
Consumer complaint received 2022-04-29
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: Eastern Account Systems of Connecticut, Inc. (AL)

My name is copy written and in violation of my consumer rights. Under 15 U.S.C. 1681 Section 604 A Section 2. This is in violation because I did not give written permission. Enclosed was my copyright sent to the bureas and I have a national UCC-1 attached to my name as private. 
Delete the following negative accounts -- Eastern Account System, XXXX XXXX XXXX, XXXX Destiny, XXXX XXXX XXXX, The XXXX XXXX XXXX, and XXXX XXXX. Certified mail was sent out on XXXX XXXX
Consumer complaint received 2019-03-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (CA)

I WAS GOING THROUGH A ROUGH SITUATION AND COULDN'T PAY MY CAR AFTER A FEW MONTHS THEY REPOSSESSED MY CAR I NEVER RECEIVED PROPER LETTERS IN REGARDS TO SELL OR ANYTHING UNTIL I CALLED THAT THEY EMAILED ME WAY AFTER ABOUT IT. MY PROBLEM IS I TOOK RESPONSIBILITY AND CALLED THEM TO PAY IT THEY SAID THEY HAD SENT IT TO A COLLECTION ACCOUNT THAT WORKS FOR THEM I CALL THEM THEY DID A SETTLEMENT OFFER AND SENT ME A LETTER I HAVE NOW PAID THE ACCOUNT AND COMPLIED WITH THEIR DEMAND AND NOW THEY HAVE NOT YET DELETED MY ACCOUNT LIKE IT WAS PROMISED ENCLOSED IS THE LETTER RECEIVED.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-03-02
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)

XXXX XXXX XXXX is reporting a charged off account on my credit reports. I have been disputing this account with the credit bureaus for some time now. This account is reporting multiple inaccuracies that are illegal. This account has different account numbers, different last active and payment dates. How are all three bureaus reporting different things if they are all getting their information validated from the same place? Surely they are not conducting a proper investigation into this account otherwise this account would not reporting or reporting very inconsistently. It is the consumer reporting agencies responsibility to report accurate information and they have failed me. I am requesting that this account is deleted from my reports now!
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

My address isn't correct on all three credit reports. I tried to inform them that they still have old address that should be removed. Plus! they still have my old employer information that shouldn't be on my credit report.