davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

From XXXX XXXX : I have dispute with XXXX XXXX XXXX. I bought a vehicle and the loan was from XXXX. I was told that if I paid by a certain date, that I would not be late. They seemed nice and flexible. Unfortunately, I have multiple 30 days lateness on a lot of payments, from what I was told by their company on the phones. The truck is paid in full as of at least 2017, I believe it was prior. Additionally, this is on my husband`s credit report too. The bills were only in my name and they continued to list it jointly, along with the negative feedback, on my husband`s credit reports too. Overall, they are a good loan company, but a really bad company for credit reports. I believe, based upon the timelines I was verbally provided and set up autopayments, the 30 day late payments should be removed from my credit report. Also, they need to remove themselves from my husband`s credit report. My truck had nothing to do with him, it was my bill. 

They hurt the purchase of my recent car and their own loan - I would have picked them, but, not after seeing my recent report, anymore. I honestly thought everything was ontime. 

I concur.
Consumer complaint received 2022-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation.. They have provided information while knowing or having reasonable cause to believe that the information was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint
Consumer complaint received 2019-08-15
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. (FL)

Experian has failed to remove all of the false reports about that I owe any more money to this student loan. I have forwarded them documents signed by the Federal Student loan  representative stating that the loan is paid in full on XX/XX/XXXX. These documents are certified and sworn to in federal court. It is crystal clear. 

My attorney and myself have reminded and resent this documentation several times to the student loan people. They refuse to acknowledge it and are breaking the law by continuing to pursue me. Experian is now an accomplice in harrassing me now that they have seen the clear evidence that I do not owe this money. I will attatch my documents that clearly state this loan is paid in full. 

They are just now sending me to colletions despite the fact that this has been going on since XX/XX/XXXX. I have always disputed this debt vigorously, and they will leave me alone for a while, but they just keep coming back. It is now XX/XX/XXXX and I am still disputing it.
Consumer complaint received 2019-08-15
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: Experian Information Solutions Inc. (WA)

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation.. They have provided information while knowing or having reasonable cause to believe that the information was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint
Consumer complaint received 2019-08-15
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: EQUIFAX, INC. (FL)

XXXX has failed to remove all of the false reports about that I owe any more money to this student loan. I have forwarded them documents signed by the Federal Student loan  representative stating that the loan is paid in full on XX/XX/XXXX. These documents are certified and sworn to in federal court. It is crystal clear. 

My attorney and myself have reminded and resent this documentation several times to the student loan people. They refuse to acknowledge it and are breaking the law by continuing to pursue me. XXXX is now an accomplice in harrassing me now that they have seen the clear evidence that I do not owe this money. I will attatch my documents that clearly state this loan is paid in full. 

They are just now sending me to colletions despite the fact that this has been going on since XX/XX/XXXX. I have always disputed this debt vigorously, and they will leave me alone for a while, but they just keep coming back. It is now XX/XX/XXXX and I am still disputing it.
Consumer complaint received 2019-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX  has failed to remove all of the false reports about that I owe any more money to this student loan. I have forwarded them documents signed by the Federal Student loan  representative stating that the loan is paid in full on XX/XX/XXXX. These documents are certified and sworn to in federal court. It is crystal clear. 

My attorney and myself have reminded and resent this documentation several times to the student loan people. They refuse to acknowledge it and are breaking the law by continuing to pursue me. XXXX  is now an accomplice in harrassing me now that they have seen the clear evidence that I do not owe this money. I will attatch my documents that clearly state this loan is paid in full. 

They are just now sending me to colletions despite the fact that this has been going on since XX/XX/XXXX. I have always disputed this debt vigorously, and they will leave me alone for a while, but they just keep coming back. It is now XX/XX/XXXX and I am still disputing it.
Consumer complaint received 2022-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

This is regards to XXXX XXXX account # XXXX on my credit file on XXXX and Equifax reports. XXXX XXXX was charged off back on XX/XX/2016 and according to the statute of limitations in the State of Florida, which is only 5 years this account has expired and must be deleted immediately from my credit reports
Consumer complaint received 2022-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. XXXX  account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX  account number # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX  OPENED : XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2, States that a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX, XXXX. 
Account # XXXX Collection opened XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2, States that a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX Collection opened XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2, States that a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX Collections opened XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2, States that a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX Date opened XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2, States that a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2, States that a consumer r eporting a
gency can not furnish an account without my written instruction
s.
Consumer complaint received 2024-03-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (TN)

XX/XX/XXXX spoke to XXXX in XXXX XXXX she said my application was denied again. A letter was mailed out to me. There is a foreclosure sale for my house XXXX Mortgage assistance application sent XXXX XXXX, XXXX XXXX said intake did not open application I sent. because in the computer it says there are no more options available to help with my mortgage. 

See Wells Fargo servicing timeline for my mortgage loan.
Consumer complaint received 2021-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Grain Technology, Inc. (CT)

I use " Grain : The XXXX Credit Card '' app and I can not login to update and pay my bill. The app store has tons of reviews of the same issue, they sent out an email saying it was resolved but I still can't login. I have automatic payments but they disconnected my bank account. They are refusing to let me pay for my bill because there is no other way to access the account other than the app.
Consumer complaint received 2020-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRUIST FINANCIAL CORPORATION (NC)

Appeal Suntrust bank XXXX Virginia Attn XXXX va XXXX XXXX Attention suntrust bank XXXX XXXX This cfpb complaint # XXXX is not a duplicate and needs to be addressed By XXXX XXXX Of Suntrust Bank now known as truest Bank .
Consumer complaint received 2017-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (GA)

Around XXXX XXXX Citibank began charging me a penalty interest rate because I had been late on a payment. This was at a time when I was in a financial hardship because of a job loss. It is now XXXX XXXX and I am still being charged a penalty interest rate on part of my balance. Citibank has not made any effort to return my interest rate to the original rate. This should have been done after I made " timely payments for six months '' and yet it has now been at least two years according to my review of past statements. 
When I called Citibank customer service to ask about the rate being lowered I was told that " it does not qualify '' to be lowered. I do not know what that means. This is the same way I was treated by Citibank on my other credit card with Citibank. Only after filing a complaint XXXX with the CFPB did Citibank decide to lower the interest rate back to its original rate. That was in XXXX XXXX. 
Based on Citibank 's conduct, which has now been repeated on not one, but TWO accounts, it certainly seems that they are intentionally keeping the interest rate higher even though my account has been in good standing.
Consumer complaint received 2019-06-08
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: EQUIFAX, INC. (GA)

Unauthorized inquiries reporting on credit report : XXXX XX/XX/XXXX, XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-03
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: CITIBANK, N.A. (IA)

I have called XXXX XXXX XXXX numerous times on a count that was listed on my credit report from Sears credit card through Citibank the card was not mine the account was not mine the balance on my credit report {$1700.00} over 6 months and I reported to the credit bureaus at that balance was not mine the account was not mine they finally removed it 30 days ago and I dropped XXXX points they both told me that Sears is the one that dropped my points I would have to contact Sears Citibank credit card but the count was not mine Sears credit card has no record of me Citibank has no record of me the accounts belong to a relative the relative loss the credit card 3 months ago reported fraudulent activities the card was shut down 3 months ago but for some reason the XXXX balance and the credit card was on my credit report still I reported to the credit bureaus but that card balance and a car needs to be removed off my account it was a fraudulent account the account no longer exists for over 4 months I try to credit bureaus finally moved the account and I was about 20 points for it XXXX told me that Sears credit card Citibank was responsible for the points but yet I can't get an answer from either party due to the accounts not mine the relative that the account belong to can't have access to the account because it was closed over 6 months ago due to the fraudulent activities on the card credit bureaus told me that they can do anything about it until Sears contacts them to change it how can Sears credit card Citibank change a credit score when they have no record of me and their systems credit bureaus are not giving me a straight answer nor are they helping me resolve the issue of my credit points of 20 points being deducted from my credit score nothing happened to my relatives credit score when they count was removed from their credit reporting account. thank you
Consumer complaint received 2022-04-03
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: U.S. BANCORP (CA)

I've already told you, discrimination, at its worst,. I go in the bank withal these papers, jump thru all these hoops, over, and over again. Only to get turned down. If u do nothing, then I will just have to do it myself.
Consumer complaint received 2021-05-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In XX/XX/2019, I submitted a police report and FTC report for items on my credit report that do not belong to me. I am trying to purchase a home and am not able to because of these items on my credit report. I have attached the FTC and Police Report for the fraudulent items : XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX My telephone number is XXXX. These numbers listed on my report I have never had : ( XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-30
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: FlexShopper, Inc (GA)

I bought tires using flexshopper, I had a house fire XX/XX/XXXX and have been having to live in a hotel waiting on home repairs. I told flexshopper that with the added cost of living in a hotel i could not keep up my payments but when i got back in my house and back on my feet i would get the payments back on track. They told me they would repo my tires and report negatively to all three credit agency 's. They call 5 to 6 times a day, every day. For example XX/XX/XXXX they called at XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. J have asked them to stop and i would contact them when i could start paying again. They call so much I have XXXX XXXX every time my phone rings.
Consumer complaint received 2021-07-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Sequium Asset Solutions, LLC (MD)

The debt collector pursuant to 15 US Code 1692a ( 6 ) has contacted my by phone and mail with profane language and also stating that I the natural person/consumer allegedly owes a debt which is a violation pursuant to 15 US Code 1692b ( 2 ). Also, violating 15 US Code 1692e ( 2 ) a the character, amount in a positive amount which can not be paid.
Consumer complaint received 2020-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Clearing House of America, Inc. (TN)

I retrieved my credit report today XX/XX/XXXX to find Credit Clearing House on my report in the amount of {$140.00} in XXXX, KY. 
I have never lived in XXXX, KY. 
The account open date is XX/XX/XXXX, while I was a resident of the state of Washington 3000 miles away from Kentucky.

I want this investigated and removed from my credit report, I will most certainly seek legal action in the event it remains.
Consumer complaint received 2021-07-13
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. (AL)

I still haven't got any response from the credit bureaus after I sent my dispute letters to them for these accounts : US DEPT ED Account # : XXXX XXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX  Account # : XXXX XXXX XXXX Account # : XXXXXXXX XXXX Account # : XXXX
Consumer complaint received 2021-07-13
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)

I still haven't got any response from the credit bureaus after I sent my dispute letters to them for these accounts : XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX XXXX Account # : XXXXXXXX XXXX Account # : XXXX
Consumer complaint received 2019-06-08
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. (FL)

I have did a police report XX/XX/XXXX I have called the credit agency XX/XX/XXXX XXXX XX/XX/XXXX XXXX I have sent certified letter XX/XX/XXXX XX/XX/XXXX The agency have violated my right and will not remove these account of my credit under the fair act reporting. The company the are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The preferred group XXXX XXXX XXXX