davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (LA)

I have a utility account with XXXX XXXX. on my credit report that isn't mine. I have an account with this company that has been open and in good standing for over 20 years. The one on my credit report isn't this one. 

I've disputed the account. I received a letter from XXXX XXXX at XXXX explaining that she can't help unless I provide her with the account number. She provided no contact information in her letter. 

XXXX XXXX email address isnt on her XXXX account. Ive searched everywhere for an address for her. I've written XXXX XXXX seven times at five different email addresses trying to explain that I cant give her the account number because Experian wont give it to me for my protection. 

In my email to her, I explained that the XXXX credit reporting agencies all report different information about the account, but taking all of the info from all reports together into consideration, we see that the account was CLOSED and attached to my name in 2017. It was then OPENED the NEXT day. The day AFTER this, the final payment was made, but that payment was already delinquent. And in the one day between the time the account was opened and the time the final payment was made, so much electricity had been used on the account that a balance of {$400.00} remained AFTER the final payment was made. 

I have two living units on the XXXX account Ive had for 22 years. These two units, together, generally run up a bill of $ XXXX. I have no idea how anyone could even begin to run up a bill in one day that would leave {$400.00} due AFTER a payment was made. Or how an account is opened the day after it is closed. Or why it was in my name before it was even opened. And I cant get any answers to any of these questions. 

When I added a copy of the letter I got from XXXX to my Experian dispute, I got a response in about an hour outside of both XXXX  and Experians business hours that XXXX had recertified the debt. This is the {$400.00} debt XXXX wrote me a letter about, saying, basically, What account? This is the debt Ive been emailing XXXX about for a month ( without a response ), trying to explain I cant provide them an account number because Experian is protecting me. Yet, somehow, while both Experians and XXXX  offices were closed, Experian was able to contact XXXX, pass along the information Ive been trying to get to them, receive a response from XXXX, in which they recertified the debt, and then notify me that nothing on my credit report will change concerning the account without an account number that was closed in my name the day before it was opened five years ago. 

And, again, all of this communication took place while both companys offices were closed. 

I dont feel my dispute is being taken seriously.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (AL)

Purchased a car from a dealership in 2015. I voluntary surrendered the car because I was sold a lemon ( a bad car ). It started having problems immediately after purchase. The car dealership has since closed down ( no longer in service ). I can not speak to someone at the dealership about this. However, the loan was with the company XXXX XXXX. XXXX XXXX will not remove the file off my credit report. I have spoken to someone from XXXX XXXX a few months ago and offered to settle the debt if they delete the file from my credit report. XXXX XXXX refused the offer. They also mentioned that the car was sold at auction. I do not feel I should be responsible for the car loan anymore. Because the credit company ( XXXX XXXX ), sold the car at auction, and because the dealership where the car was purchased has since shut down, and because XXXX XXXX refused a settlement on a car that had bad mechanical issues and on something that they resold. I have had this following me on my credit report since 2015. And have attempted various methods to get the company to remove the debt.
Consumer complaint received 2015-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. DATE REPORTED : XXXX/XXXX/2015
Consumer complaint received 2021-10-03
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have my bank statements via bank of America edd prepaid n have been goin thru fraud problems since I started receiving payments. After them closing my account for 6 months to investage n came up with no help to y I was missing money they reopened my account n denied my claims so I had my statements mailed to me n I was able to show double charges made within seconds to up to days apart for the exact same amount n again filed claims. After several attempts n trying to get my claims filed I was able to file 5 out of 7 n received payment for one n was denied the rest cuz I was responsible for all the other charges which I asked how n was given no reason to y. So I had to fax over my bank statements I received from them to prove n resubmit my claims. This has been on goin for 2 years now n I'm out almost {$30000.00} plus my time n efforts n hours of work doin their no job. No including the stress n grife n trouble I've had since day one. I have records to prove n letters n emails n statements to back this all up.
Consumer complaint received 2017-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

XXXX ( now Navient ) did not do what I asked them to do, and misled me. Around 2010 I became aware of the Student Loan Forgiveness Program and called XXXX to enroll because I work in the non-profit sector. XXXX had me move my loans to the DOE and said I was enrolled. But they did n't tell me that I was not in the correct repayment program so my payments since then have not actually counted. When I found out about this last year I called them and they said they would review their notes and get back to me - but they have not contacted me since.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victims of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in process f buying a home for my family. Please removed these fraudulent accounts from my credit report as soon as possible. 
1. State of MI Office XXXX XXXX {$10000.00} 2. STATE OF MI OFFICE XXXX XXXX {$11000.00} 3. STATE OF MI OFFICE XXXX XXXX {$33000.00} 4. STATE OF MI OFFICE XXXX XXXX {$5100.00} 5. XXXX XXXX XXXX XXXX {$840.00} 6. XXXX XXXX XXXX {$570.00}
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (WI)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on the letter. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXXI XXXX Bankruptcy XXXXXXXX XXXX-dismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXXI XXXX Bankruptcy XXXX XXXXdischarged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX, XXXX Balance-
Consumer complaint received 2015-08-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I see that there are XXXX hard inquiries on my credit that took place on XXXX XXXX, 2015. XXXX is from XXXX and the other is from XXXX XXXX. To the best of my knowledge, I did not apply for any credit nor do I have any reason why there would be such inquiries on my account. Can you please find out why these XXXX companies were checking my credit please? 

Thank you, XXXX XXXX
Consumer complaint received 2022-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I opened a checking and savings account with Capital one 360, with XXXX dollars in XXXX XXXX XXXX 
when the money came available, I transferred money to savings, the next day my account was restricted and I needed to contact them. 
I called them as asked, ended up gong to the store font they have and upon giving my drivers license told it was fraudulent activity and they where closing my account. 
I provided my driver 's license and proof that the phone numbers I gave belong to the company that I am an XXXX for. 
it is not XX/XX/XXXX, almost three months and no release of account or closing of account. just stating to contact the phone number which I did previous to going to store font and after. 

I would like my account reinstated due to its their computers and not a person making decisions. my phone numbers do belong to me but they are in an XXXX XXXX XXXX along with I am an XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-06-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

This account was open by someone that used my ID to open it. I filed a complaint with Equifax on the phone the first time last year. Then online and now in writing last month. Equifax sent me a letter telling me that they had verified that this item belongs to me. I call and asked how it was verified and was told " The bank told them it was mine '' It is not and I can not get the bank or Equifax to show me anything that profess that I opened or used this account. I do not think that the bank just telling Equifax that it belongs to me is verifying that it is mine.
Consumer complaint received 2023-03-20
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. (MO)

On XX/XX/2023, I sent another dispute letter to the Credit Reporting Agencies requesting that the disputed accounts which I believe to be reporting inaccurate and erroneous information on my Credit File be immediately removed and or corrected within the time allowed by law. In accordance with the Fair Credit Reporting Act section 1681i, any accounts and information must be corrected and or removed within 30 days after the date of receipt of dispute. I have been disputing the disputed accounts for such a long time and it is clear that the Credit bureaus have been adamant in ignoring all my requests. Under the Fair Credit Reporting Act, I am submitting this CFPB Complaint to request to the Credit Bureaus once again to correct or remove the following accounts as soon as possible. : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The disputed accounts which are reporting misleading information on my Credit File must be corrected by updating the accounts ' status or completely removing the disputed accounts off of my Credit File as soon as possible.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Equifax ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency 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. '' ( Equifax ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Equifax ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Equifax ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX  XXXX XXXX Opened XX/XX/XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$12000.00}
Consumer complaint received 2015-12-03
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Google Compare Credit Cards Inc. (RI)

Google wallet froze my account for me to verify my identity and submit tax ID info. I have verified my ID AND submitted the tax ID info. I have more than {$500.00} in there and it wo n't let me transfer it out. I have asked for someone to call me many times and called their support people ( in XXXX ) many times. The out of country support will not help me. Now I 'm attempting to email, call and get call backs and NOBODY there will contact me -- For example, there 's an option to request call back on the website. I request calls and nobdoy calls me.
Consumer complaint received 2017-03-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

i recently received a letter from Transunion on XX/XX/2017 stating that the investigation of the dispute of credit error item had completed, and the item of error has been successfully deleted or removed from my credit report. So i checked my credit report online and the item was cleared then but somehow on XX/XX/2017 the item of error reappear on my credit report again as i recheck my credit online religiously. i have been discussed this matter with the credit grantor and it was settled in an agreement. In my humble request for the credit report agency to investigate what is happening with this matter and provide a best solution in regard of this item of error.
Consumer complaint received 2015-03-24
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I received a letter dated XXXX XXXX XX/XX/2015 fro PRA LLC- attempt to collect a debt they bought in the amount of XXXX The letter said I had 30 days to dispute- which I did- I sent a XXXX letter dated XXXX XXXX ( receipt is attached ) stating- I wanted proof they were able to collect on behalf of this debt, I wanted validation of debt, and that the statue of limitations had run out on this debt in the state of Texas. I never received any response- It is now on my credit report. All documents are attached-
Consumer complaint received 2015-08-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

I have made multiple attempts to obtain a payoff of my loan for the purpose of refinancing. When myself, my lender or my escrow company would request a status update to the request, Seterus would either say they do not have a copy of it or say they will restart the request. I have waited 19 days as of today to receive my payoff and still do not have it. I have evidence that they have received it. I have lost hrs attempting to resolve to no avail. There is no reason it should take this long and there is no reason I should n't be able to print XXXX on my own from their website. I 'm held hostage to this bank.
Consumer complaint received 2015-06-28
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (NJ)

ALLY BANK HAS LYED ABOUT THE REPOSSIONS OF MY XXXX XXXX XXXX, WE GAVE CAR BACK IN XXXX XXXX, CAR WAS TOTALLY NOT RUNNING, XXXX XXXX DEALER, XXXX NEW JERSEY WAS TOLD TO GIVE CAR TOO BANK, WAS UNABLE TOO REPAIR, CAR COULD NOT BE STARTED, PROGRAMS IN THE MAJOR RUNNING SYSTEM NEEDS TOO BE TOTALLY UPGRADED. 
THE CAR WAS IN A MAJOR ACCIDENT, UNDISCLOSED BY DEALER, OR BANK! 
WE NOTIFIED THE STATE ATTORNEYS OFFICE, CONSUMER PROTECTION AGENCY, NEW JERSEY AND ALSO THE LEMON LAW. 
COMPLAINTS WERE SENT TOO CONSUMER PROTECTION AGENCY, ALSO TOO ALL CREDIT BUREAUS IN XXXX, XXXXTHIS WAS A BAIT AN SWITCH TACTED BY XXXX NJ. 
THEY 'VE DESTROYED MY CREDIT, ALSO LYED TOO THE CREDT BUREAU ABOUT ME VOLUNTARY REPOSSESSION, THEY SAID HEY REPOED VEHICLE IS A MAJOR LYE.
Consumer complaint received 2015-07-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OR)

So, here 's the challenge I 'm facing. 

I have XXXX accounts ( XXXX XXXX XXXX & XXXX XXXX XXXX ) that are XXXX reporting on Eqiufax and XXXX. 

The date of last activity/reporting on each should be XX/XX/XXXX. However, they XXXX have updated the date of last activity to more recent. To my knowledge, this is illegal. 

I have not made any more payments or any other type of activity on either account since XX/XX/XXXX. This is causing the statute of limitations on each account to be extended much further into the future. 

XXXX Now reporting : XX/XX/XXXXXXXX XXXX now reporting : XX/XX/XXXXI would like these errors to be corrected, as they are unfairly lowering my credit scores and damaging my current credit reports. 

If you need further information from me, I 'm happy to provide it. 

Thanks in advance! 

XXXX XXXX
Consumer complaint received 2022-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been sending letters to all three credit bureaus since XX/XX/XXXX. For my student loans my statue of limitation date are different on all three credit bureaus. Date of last activity, date opened are different across all three credit bureaus is a FCRA violation. Due to multiple FCRA violations, please delete! The statute of limitation is different from all three credit bureaus, XXXX is showing that the last payment was XX/XX/XXXX, but XXXX and Transunion show last payment was XX/XX/XXXX, that doesnt make sense. The late payment history is not correct, according to the two-year payment history TransUnion and XXXX shows that I was 30 days late in XX/XX/XXXX, but XXXX shows I was 30 days late in XXXX of XXXX. It also shows that I was 60 days late for the month of XX/XX/XXXX on Transunion and XXXX, but XXXX shows I was 60 days late XX/XX/XXXX. This is incorrect and my payments should be updated to current since the information is in violation of the FCRA. I even sent them copies of my credit report to show proof and all they say is its validated but it is incorrect information reporting.