davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-23
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. (UT)

XXXX XXXX XXXX # XXXX is reporting a collection to my credit report that is in violation of my 30 Day Right to Dispute, I never received any kind of notice for this collection and I settled it as soon as I found out about it. This should not be on my credit report and needs to be removed immediately.
Consumer complaint received 2023-04-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-03-01
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. (MA)

Morning .... 
My Experian credit report shows an employer that is unknown to me. I file
d two disputes with Experian and they are unwilling to correct. 
This employer is only identified by 'XXXX ' without any other details. 
A XXXX search comes up blank and Experian has/will not provided me with any further details of who this might be. 

Thank you.
Consumer complaint received 2021-11-04
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. (TX)

Ive been in contact with DISCOVER on multiple occasions in regards to this matter. 

They have violated my rights under the FCRA, FDCPA, The Privacy Act Of 1974. Discover has disclosed my private information including my phone number, address, name and social security number to credit reporting agencies and other third party vendors.

The Privacy Act Of 1974 The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions.

DISCOVER violated this act they had no permission by me the consumer to disclose any of my private information.

They also violated my rights under the following statutes.

15 USC 1692b Acquisition Of Location Information. - Shall not state a consumer owes any debt.

In which reported on my consumer report that I owe the a debt. In which the debt has already been paid in full.

15 USC 1681b Permissible Purpose Of Consumer Reports ( 2 ) In accordance with the written instructions of the consumer to who it relates.

I never gave DISCOVER any written consent to disclose any information on my consumer report.

15 USC 6802 Obligation With Respect To Disclosures Of Personal Information A financial institution my not directly or through any affiliate disclose to a nonaffiliated third party no public personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

DISCOVER did not provide me with any notice about disclosure of my personal information to any non affiliated third party. That includes credit reporting agencies or any other data recording agencies.
Consumer complaint received 2023-04-09
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. (TX)

In Accordance with the fair credit reporting act these accounts below have violated my Rights XXXX XXXX account # XXXX XXXX XXXX XXXXccount # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX 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 2022-10-26
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. (FL)

I pulled my report and I noticed an address I never seen before this address below is not mines XXXX XXXX XXXX Fl XXXX Also I noticed an Employer I never heard or work for before I stated the employer below XXXX XXXX XXXX XXXX
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: Experian Information Solutions Inc. (TN)

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-01-11
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HW Holding, Inc (MD)

In XX/XX/XXXX, I got a copy of my credit report and saw this debt on my report so I disputed it with all 3 credit bureaus. After 30 days, the debt was removed from my XXXX and XXXX report because they failed to verify the debt was valid. However, XXXX did not remove the debt. When I called XXXX, I was told that the debt was verified with them and that I needed to contact the creditor. In XX/XX/XXXX, when I called Hunter Warfield, I realized that they were a debt collector and not a law firm. I asked them can they show me proof of the debt to validate it but I was blantantly told that they did not have to show me anything because they proved it to XXXX, he was very nasty, disrespectful, and biligerent with me and hung up the phone on me. It is now XX/XX/XXXX and I have not received any type of communication whatsoever from Hunter Warfield validating this debt. Upon doing my research on this company, I found out that this company has many complaints against them for doing the same things that they are doing to me. Please Help!!!
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2023-04-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Weltman, Weinberg & Reis Co., L.P.A. (MI)

I hired a lawyer to handle all of my debt. I signed so that he could draft and send his power of attorney to the office Weltman Weinberg and Reis. I hired this lawyer because I searched for one that was familiar with that specific office. He contacted the office and tried to send the power of attorney and he was told that the office no longer held my debt despite the fact they would continue to pursue it without including his name. The notices I was sent last week only list my name and not my lawyers name. 
I had contacted Weltman Weinberg and Reis to update my address, because they were sending notices to the wrong address, and to ensure that they have my lawyer 's contact information. I reached the answering machine and left that information with my name and a relevant case number.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have tried for several months to access transunion website and even called in XXXX and spoke to support because the online system advised me to call due to an issue or error. I was told the system was fixed but again I am unable to view my credit report or see my score.
Consumer complaint received 2021-05-24
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. (OH)

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX I had some issues with my income being affected by the COVID-19PANDEMICSHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XXXX XXXX XXXX  XXXX XXXX account is reporting 30, DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Consumer complaint received 2021-11-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (MO)

My payment came due on XX/XX/2021, on XX/XX/2021 I was contacted by XXXX main the agent calling ( a woman XXXX said if I scheduled my payment on line or over the phone with her I would not be contacted again. After I got off the phone with the lady I went on the website and scheduled my payment for XXXX for {$330.00} which is the amount showing past due their website. On XXXX XXXX main called my cell phone at XXXX pm and XXXX pm according to their records, they didn't leave a message and then called my employer at XXXX pm on XXXX. When I received the message from my employer I returned the call to XXXX main and after being transfer once I spoke to XXXX. I advised XXXX when I completed the loan application I requested to not be contacted at work, as this isn't allowed and against company policy. I was assured during the loan process they would not contact my employer. XXXX then explained they were calling because a late fee would be assessed on XXXX bringing my past due amount to {$350.00}, I had only scheduled a payment for {$330.00} as that is what the lady advised I needed to pay back on XXXX when I set up the arrangement for the past due amount. I advised XXXX he cant contact me at my place of employment and inquired as to why they were calling when I had a payment already scheduled to come out of my account on XXXX, at which time he advised because as of XXXX the amount would be {$350.00} ( includes a late fee ) vs the {$330.00} that I was originally told to pay. I don't understand why they are calling me to collect a late fee that hasn't even posted to my account yet, especially when I communicated to them and had a payment schedule on line already to take care of the past due balance.
Consumer complaint received 2020-06-03
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. (NJ)

Credit reporting agencies did not report with the correct information, after numerous attempts to have the incorrect information removed they kept saying that the account was verified with no proof - last correspondence stated that they would no longer investigate into the error unless new evidence arose but the company has refused to remove themselves from my credit report since XX/XX/2016and I am refusing to wait it out until it just " falls off ''
Consumer complaint received 2018-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (LA)

In XX/XX/XXXX and XX/XX/XXXX I contacted Chase Bank regarding 3 credit card accounts that were coming due. I advised them that my checking account information had been compromised and that I am working on recovering missing funds with my financial institution. I advised Chase Bank that because of this I would be unable to make my current payment that was due on 1 credit card the last week of XX/XX/XXXXand the other 2 that were due the first week of XX/XX/XXXX. They advised this would not be a problem and that they would make a notation on the account. I asked if I could pay a double payment the following months bill or if they would like the payment when my checking account was corrected. They advised a double payment the following month would suffice and they would wave any late fees since I called and explained the situation. I recently ran my credit report and to my surprise I have a late payment notification for all 3 that is hurting my ability to obtain a loan. If they would have told me that they were going to make a negative remark on my credit report instead of acting caring and understanding I would have asked a family member to pay this for me. I have contacted Chase Bank and explained everything that happened in XX/XX/XXXX and XX/XX/XXXX and they stated there was a notation that I had called but they would not remove the negative report as the notation was incomplete. I feel they acting unreasonably to my request as I have been a good payer to Chase Bank for a long time. With the proper explanation of what would have happened I would not have opted for the double payment the following month.
Consumer complaint received 2021-01-23
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. (FL)

Transunion currently reports inaccurate, misleading, incomplete information on my consumer reports. 

Account : XXXX XXXX services Reporting late payments : XXXX late payment ; inaccurate ; bank records shows payment was made on XX/XX/XXXX payment. 

XXXX late payment ; inaccurate ; bank records shows payment was made on XX/XX/XXXX XXXX late payment ; inaccurate ; bank records shows payment was made on XX/XX/XXXX XXXX
Consumer complaint received 2021-11-09
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 (FL)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This debt was incurred due to fraudulent charges, which according to XXXX XXXX Zero Liability policy I am not liable. Change the balance and status for legal accuracy. Otherwise, remove ASAP. 
CAPITAL ONE BANK USA ***** Opened XXXX. XXXX, XXXX XXXX {$460.00} XXXX Charge Off CAPITAL ONE ***** Opened XXXX. XXXX, XXXX Balance {$460.00} // Charge Off CAPITAL ONE BANK USA XXXX Opened XXXX XXXX, XXXX Balance {$670.00} // Charge Off CAPITAL ONE ***** Opened XXXX XXXX, XXXX Balance {$670.00} // Charge Off
Consumer complaint received 2020-06-03
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. (NJ)

Credit reporting agencies did not report with the correct information, after numerous attempts to have the incorrect information removed they kept saying that the account was verified with no proof - last correspondence stated that they would no longer investigate into the error unless new evidence arose but the company has refused to remove themselves from my credit report since XX/XX/2016and I am refusing to wait it out until it just " falls off ''
Consumer complaint received 2019-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF THE WEST (CO)

I have tried to open an account with the bank of the in Colorado on XX/XX/2019. Only one person knows how to do the account set up and she is always busy. So i decide to open up my account online on XX/XX/2019. Went in on XX/XX/XXXX to deposit my pay roll check and was informed that the account is so new thats not in the system yet. They told me to leave me check in the overnight deposit and it will be in there on the XX/XX/XXXX. I called them on XX/XX/XXXX asking them why my check is not in my account? They said " since you are so new with us we will be holding your check for 9 business days. ". I was never informed that check was going to be held not online or when I was in there in person. I asked them to give me my check back. They said no it's to late its in the system now and it can't be reversed. I said but it's not in my account how is it your system. They said it's just how ower system works and hung up. So im broke and have to wait 9 business days for my money.
Consumer complaint received 2021-11-08
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 — Investigation took more than 30 days
Company: Freedom Mortgage Company (CA)

Tried 3 times already -- my XXXX NOW SHOWS LATE MORTGAGE for 60 days late XX/XX/XXXX for Freedom Mortgage paid off in XXXX of XXXX
Consumer complaint received 2021-11-08
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: Experian Information Solutions Inc. (PA)

On XX/XX/XXXX Experian sent XXXX XXXX XXXX a hard inquiry credit report on me that was not requested by me. It was a fraudster applying for a credit card in my name and address. They also submitted a Change of Address form to USPS and I called and disputed the COA with the Post office as well as submitted an on line dispute. I contacted XXXX and had them cancel the application, account and unlimited cash credit cards. Also, I put alerts on the 3 credit companies and locked and froze my credit reports.
Consumer complaint received 2021-05-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB (CA)

On XXXX, XXXX, 2020 I purchased a XXXX computer and queried about financial assistance to which I was referred to " Klarna, '' as a credit company they could use to set up payments for a total of {$1300.00} The installments were to be {$81.00} to be made on or before the XXXX of each month, and so far I have made three payments for XXXX, XXXX, and XXXX without trouble. Days before XX/XX/XXXX I attempted to make another payment online using the same method as I did on the other three payments. The same " username '' and " password '' would not get me in to the payment section of the website. Then a menu came up, requesting that I re-establish my account, and start all over with a new " username '' and " password. '' It requests only my email and indicates that it will send me a code. The code shows up in my email but when I enter it on their website, code entry field it just takes me back to re-registering an account again. I go in circles and get nowhere on this site. So of course, I try to pay over the phone but the representatives on the phone say they are unable to take payments. I asked them to mail me a statement and I would pay the entire balance just to end business with them. It has been two weeks and nothing. They were nice enough to take the late payment fee off, during the conversation today, XX/XX/2020, at XXXX XXXX. 

The whole issue is, I simply want to do right and pay them and I don't know how, and I don't want it to have a negative impact on my XXXX XXXX, or incur more late fees. I have never run into a situation like this with any creditors so I am stuck, wanting to resolve this. I want to pay my remaining balance, {$1100.00} XXXX the original {$1100.00} - {$25.00} late fee the representative was kind enough to take off, after the quote ) in full. Again, the ending balance as of XXXX, XXXX, 2020 XXXX XXXX XXXX is {$1100.00}. 

I need some help with this one, yours, XXXX XXXX XXXX.
Consumer complaint received 2020-01-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: IQOR US INC (RI)

I have no been able to repay my student loan and it keeps changing carriers. Further more the interest and penalties now are more than double the principal. 

I understand they are calling me however, Allied Interstate LLC has been calling someone else with a similar name that works for my company. I have no affiliation with this person 's phone number and live 800 miles away from this person. The only link that we have is that we work for the same company.