davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-22
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. (MA)

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

I have attached a documents that clearcly shows inaccuracies, specially the reported payment history.
Consumer complaint received 2019-08-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Comerica (CA)

Recently I paid off Comerica Bank line of credit. I have been requesting the lender to provide me complete itemized payoff calculation because I find I overpaid but lender is not responding at all. I have sent a written letter to comerica ; reached out to their quality assurance team over multiple phone calls still no luck. I have attached a pdf file that describes all gory details related to my dispute.
Consumer complaint received 2019-08-22
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. (TX)

XXXX XXXX  Experian and XXXX are reporting incorrectly a charge-off in the amount of {$10000.00} on the XXXX XXXX XXXX account. ( Please see the attached notice from XXXX XXXX. ) There were extenuating circumstances and I was forced to return the vehicle I was purchasing. On XXXX I received the Notice of Our Plan to Sell Property letter from XXXX ( XXXX  letter attached ). The vehicle was scheduled to be sold at auction on XXXX. The letter from XXXX clearly states : If we get more money than you owe, you will get the extra money, unless we must pay it to someone else. The vehicle was sold at auction for {$11000.00}. ( Attached is a copy of the Motor Vehicle Record dated XXXX. ) XXXX made a difference of {$1000.00} from the sale of the vehicle and therefore there is not outstanding debt. Please see below - XXXX Sale of Vehicle = {$11000.00} Charge-off amount reporting = {$10000.00} Difference of = {$1000.00} The charge-off amount is LESS than the sale of the vehicle and therefore there is not outstanding debt. I am not requesting the difference of {$1000.00} however, I am requesting that these line items be removed from my credit report. This incorrect reporting of a charge-off is harming my credit. I have contacted the ( 3 ) bureaus to remove these items from my credit report however, I have not been successful.
Consumer complaint received 2019-08-22
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. (TX)

XXXX XXXX XXXX and Transunion are reporting incorrectly a charge-off in the amount of {$10000.00} on the XXXX XXXX XXXX account. ( Please see the attached notice from XXXX XXXX. ) There were extenuating circumstances and I was forced to return the vehicle I was purchasing. On XXXX I received the Notice of Our Plan to Sell Property letter from XXXX. ( XXXX letter attached ). The vehicle was scheduled to be sold at auction on XXXX. The letter from XXXX clearly states : If we get more money than you owe, you will get the extra money, unless we must pay it to someone else. The vehicle was sold at auction for {$11000.00}. ( Attached is a copy of the Motor Vehicle Record dated XXXX. ) XXXX made a difference of {$1000.00} from the sale of the vehicle and therefore there is not outstanding debt. Please see below - XXXX  Sale of Vehicle = {$11000.00} Charge-off amount reporting = {$10000.00} Difference of = {$1000.00} The charge-off amount is LESS than the sale of the vehicle and therefore there is not outstanding debt. I am not requesting the difference of {$1000.00} however, I am requesting that these line items be removed from my credit report. This incorrect reporting of a charge-off is harming my credit. I have contacted the ( 3 ) bureaus to remove these items from my credit report however, I have not been successful.
Consumer complaint received 2023-03-23
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CCS Financial Services, Inc. (GA)

Case Facts : XXXX XXXX XXXX XXXX XXXX  XXXX ) provided utility services to XXXX XXXX at XXXX FL, XXXX from XXXX to XXXX. Upon moving from this residence XXXX XXXX never received any communication from XXXX regarding the amount due for these services. XXXX XXXX never received communication from XXXX regarding the amount due to be turned over to a collections agency. 
At some point XXXX turned the amount due over to Credit Collection Services ( CCS ). CCS never communicated the amount due to XXXX XXXX. XXXX XXXX was not aware that an amount was due until he seen the amount due reported on his credit history. During XXXX XXXX investigation to determine if the debt was valid, XXXX XXXX contacted CCS to pay the debt believing it would be removed from XXXX XXXX credit history. 
XXXX XXXX did not give CCS consent to disclose the debt or receive payment for the debt from XXXX XXXX. XXXX XXXX asked if the debt would be removed from XXXX XXXX credit history to which a representative of CCS told her it would be marked as paid in full. The representative did not clearly explain to XXXX XXXX that the derogatory account would remain on XXXX XXXX credit history. 
CCS is guilty of disclosing XXXX XXXX debt to a third party without the consent of XXXX XXXX. CCS is also guilty of using deceptive and misleading language during a phone conversation with a third party in order to collect the payment. 
XXXX XXXX made several attempts to resolve this issue with CCS. In XXXX XXXX good faith, he spoke to multiple representatives and a supervisor at CCS about removing the derogatory account from his credit history. CCS refused to cooperate in good faith with XXXX XXXX. The two representatives at CCS made misleading statements about the Fair Credit Reporting Act ( FCRA ). These representatives claimed that the FCRA required CCS to report the account even though it was paid in full. The FCRA does not require the reporting of the account. The FCRA only requires that the information reported is accurate. CCS has the discretion to remove the account from XXXX XXXX credit history once paid in full. CCS is guilty again of making deceptive and misleading statements to XXXX XXXX. 
XXXX XXXX has experienced undue financial hardship due to CCS and XXXX  actions. CCS and XXXX have made derogatory claims about XXXX XXXX financial character. This has caused XXXX XXXX hardship in obtaining both personal credit and business credit for his company XXXX XXXX, XXXX. XXXX XXXX initially sought only to have the derogatory account removed from his credit history. Now XXXX XXXX seeks financial compensation in the amount of {>= $1,000,000} as well as having the derogatory account removed from his credit history. 
XXXX XXXX is retaining XXXX XXXX XXXX to handle this case moving forward. XXXX XXXX and his attorneys will consider filing lawsuits against either CCS, XXXX, or both to resolve this issue.
Consumer complaint received 2023-09-11
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. (TX)

Comenity Capital Bank modified all of my bureaus but lately with XXXX so Comenity Capital violated many ways such as my privacy rights and doesn't have my rights anymore because account is sold but how it is sold to XXXX and Comenity Capital still on my credit report without my written permission to furnished on my credit report it is like triple jeopardy! 

I previously complained to XXXX and it is being modified but look at attached which is lot of violated in many ways with different dates, status : open, closed, last payment I do not make any paid this year that's LIE! Comenity is making my credit report " re-age '' to stay remains when it could've been deleted/removed from my credit reports by now or they should've changed to XXXX XXXX but instead they left my credit report so bad but they do not have a control to report it especially they sold the account but how they still remain as Comenity on my credit report. Third-party such as XXXX doesn't have my signed original because I do not sign contract with them or have written permission to furnished my credit reports. 

In accordance with the XXXX XXXX XXXX Act.Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active us inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 or consent.

15 U.S.C. 1692c states Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2023-07-03
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)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 2021-12-02
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. (IA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Afterpay US Services, LLC (GA)

I placed an order with Afterpay back in XXXX its already paid for and fulfilled because of a glitch with Afterpay duplicated the order I never placed a new order in XXXX but yet I was charged for a new order and it needs to be cancelled I contacted the merchant and the only order they have for me is the one in XXXX which is already fulfilled and paid for.. I do not need this order to be sent again i just need my money back and to stop any future payments on this order. Please canceled this order and cancel all future payments. I have been dealing with this for order a month now and it is not fair to be paying for this order when it was already paid for I am in touch with them since XX/XX/2021 and nothing has been solved instead they were asking me to make payments until this is solved. Why would I make a payment on your mistake. And they were quick to send me to collections I am beyond upset at this point. I have emails acknowledging that it was in fact a mistake and still not refund was received instead a got to be put in collections.
Consumer complaint received 2020-06-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (TX)

Company does not pick up the phone. Received notification of a collection bill related to XXXX XXXX, per XXXX XXXX resources, no bill is owed. This is a false collection with no account number, no debt, no answer just in my report damaging my credit score. I am currently in Escrow and this will impact the outcome of my home financing. No mail, no calls. Per looking at their website this is a known collection agency for making false collections
Consumer complaint received 2019-08-22
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)

XXXX and Transunion are incorrectly reporting me as an Authorized User on the 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. XXXX has removed this line item from my credit report but XXXX and Transunion have not. I have contacted the bureaus to remove this from my credit report however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2022-11-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (FL)

Dear Director of Consumer Financial Protection Bureau, I am writing you regarding the deceiving practices manifested by United Wholesale Mortgage.

UWM is BYPASSING you and they TAKE ADVANTAGE OF ME. 
United Wholesale Mortgage DOESN'T ANSWER the COMPLAINTS Take for instance the complaint XXXX. 
They falsely pretended to respond by adding to their response tens of pages UNRELATED with the issue. ( none of the pages is relevant to the complaint ). 
This manipulates your website ( CFPB ) and also BYPASS a legal requirement to respond in 60 days, because in fact they never answered. 
I am addressing this concern since it already happened 2 times to me with my previous complaints. 
I believe your role is to protects us as consumers, but UWM practices creates so many " entreprenurial '' misleading to BYPASS YOU and to hide the overcharges and violations.

I repeat : THEY MAKE IT LOOK LIKE THEY ANSWER but in reality THEY ATTACHED TENS OF PAGES UNRELATED WITH THE ANSWER because they can BYPASS YOU and AVOID to CORRECT THE ABUSE AGAINST ME.

Please read carefully the COMPLAINTXXXX AND PLEASE READ CAREFULLY THE ANSWER. 
They BYPASS you and they make you CLOSE THE COMPLAINTS without actually answering. 
This creates lots of injuries to me as a consumer. If they BYPASS TO ANSWER HERE, ON CFPB website, can you imagine how much they VIOLATE RESPA on other circumstances and avoiding to answer or to correct the abuse?

This means I remained injured and this system is BYPASSED AND COUNTERPRODUCTIVE. please help! Please look into this situation, this company acted very dishonest.
Consumer complaint received 2018-03-08
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. (MO)

XXXX XXXX originally disputed my GAP insurance claim for the remaining balance of a total loss settlement. The outstanding balance was a few hundred dollars. I was notified by a credit alert that the account went past due even after the settlement check was sent to them. I sent a cease and desist letter to XXXX and they then corrected their error. However it shows on my credit report that the account is delinquent. They need to correct that immediately. I had also filed a complaint with Missouri Department of Insurance in regards to them not originally accepting my GAP insurance claim and refund of the several prepaid years of the insurance policy.
Consumer complaint received 2020-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MN)

this company is reporting a debt on my credit report that i have disputed with them and the 3 credit reporting agencies. it has been over 7 years and im still disputing this with the company and collection agency. 

i am requesting that this company provide me information of this debt, information to validate that i owe this debt, contracts and signatures of this debt. if this company can not provide valid documents stating i owe this debt i am requesting that they remove it off my credit report and to also stop contacting me about it. 

this company is stating i owe {$3500.00} from one debt and {$1000.00} from another company.
Consumer complaint received 2019-08-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (AZ)

On XX/XX/2019 I bought a car XXXX XXXX XXXX, in addition I bought a mechanical protection plan valued in {$2900.00} to be applied to this car. Two weeks after XX/XX/XXXX approximately I cancelled that mechanical protection plan, then a week after TD Bank received the credit from the returned of such mechanical protection plan. Unfortunately XXXX Bank did not applied that credit to the principal of my loan, and my loan monthly payment and length remain the same. Please help to fix this issue.
Consumer complaint received 2021-06-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

In XX/XX/XXXX, Experian began reporting accounts on my consumer credit report without my written consent. According to the FCRA XXXX Fair Credit Reporting Act ), 15 USC 1681b. ( 2 ) consumer reporting agencies may furnish a consumer report under the following circumstances and no other ; In accordance with the written instructions of the consumer to whom it relates. I have repeatedly requested that Experian remove the below accounts and Experian has ignored my request with their latest dispute results dated XX/XX/XXXX stating The company certified to Experian that the information is accurate and the item was not changed as a result of my dispute. 
Those accounts are : 1. XXXX XXXX XXXX XXXX ( this company sent a request to the consumer reporting agencies to have their account removed from my report but Experian is saying that the company certified its accuracy. Please see the attachment with the companies response about requesting this account to be removed after my CFPB complaint against them dated XX/XX/XXXX ) 2XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX. XXXX
Consumer complaint received 2018-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

XXXX XXXX originally disputed my GAP insurance claim for the remaining balance of a total loss settlement. The outstanding balance was a few hundred dollars. I was notified by a credit alert that the account went past due even after the settlement check was sent to them. I sent a cease and desist letter to XXXX and they then corrected their error. However it shows on my credit report that the account is delinquent. They need to correct that immediately. I had also filed a complaint with Missouri Department of Insurance in regards to them not originally accepting my GAP insurance claim and refund of the several prepaid years of the insurance policy.
Consumer complaint received 2018-03-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (IL)

I applied for a short sale back in XXXX and we are in XXXX now and I just get the same response, " it is in review '', I understand it takes time to review documents, but you they asked for documents and I get them to them the next day and yet it takes them months to review these things. I am being transferred for my job and I can not afford two houses and this one is underwater. This should be a very simple response and the offer is great.
Consumer complaint received 2021-09-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America thinks they do not have to follow the FCRA or other state and federal laws. I sent many dispute letters and a CFPB complaint and they have still not gotten back to me in 30 days and STILL have not provided me anything I asked for.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Equifax is allowing XXXX XXXX XXXX to attempt to double dip on their debt recovery. 

I paid them off. Last week. It said 10 days to notify the agency. 

I checked today it was updated, but theres still a balance. When I called XXXX, they said they have up to 30 days and they dont submit the information for removal from report until the last day. 

So they wont tell the company I paid, for at least 30 days. Then, they wont give me any contact information for the department that handles it. No one is a supervisor with that information. And they defer to policies, that if they are as they state them to be, completely illegal and superimpose conditions that make the initial contract worthless. 

I paid XXXX to have it off my credit by XXXX. Not for them to send information on XX/XX/XXXX, according to their agent that hung up in my face, and then wait another 30 days for removal. 

I know it can be done faster because Ive had it done faster as a consumer and I used to work for a debt collection company. 

Policies can not fly in the face of agreement and set law. 

Remove this from my account now, or lose payment altogether.
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Thank you. 

The company is Portfolio Recovery Services Reference # XXXX I have offered three times to pay the via an offer in compromise and a deletion from my report which is a common practice with this agency. I need help. The last payment of the original debt was in XXXX of XXXX. This company keeps re-aging the debt. The debt was originally purchased in XXXX of XXXX, when I inquired about the debt it was re-aged to XXXX of XXXX. I inquired again and it has been re-aged to XXXX of XXXX. I want this corrected on all three credit reporting agencies and I want it paid and deleted just like they do for everyone else. I have made three offers. Collection calls from Portfolio Recovery services began in XXXX of XXXX and accompanied a letter just like this attached one dated XXXX of XXXX. 

Help. me. please. 

Thank you.