davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-22
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. (NJ)

My family and I have suffered irreparable damages and financial strain since the credit reporting agency Experian has allowed the creditor, XXXX XXXX XXXX abuse and violate.my credit report along with my rights under the Fair Credit Act. At the beginning of the pandemic the creditor offered payment arrangements for those that were affected economically because of the pandemic. I called in and made an arrangement to change my payment date from the XXXX  to the XXXX of every month making full payments. No late payments were reported to my credit report for over a year and suddenly in the midst of a mortgage approval the company put over five late payments on my credit report. I found the FTC and consumer financial protection bureau Complaint watch the creditor responded that they would remove all late payments and it was an error. The company removed all late payments except to that has drastically impacted my credit report. I filed many disputes in which resolve the issue the last dispute that was filed, except once consumer finance close the complaint and marked it as a result of the company a week later put back on to late payments. Ive been in an extended stay hotel for over six months trying to resolve this and my next step is an attorney. This loan was my ex husbands responsibility in our divorce settlement since 2020 but theres no way to remove it from my credit report because he financed it in my name. I have a copy of my divorce complaint and settlement if needed.
Consumer complaint received 2020-07-16
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. (GA)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX Company Inquiries : 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 XXXX  XXXX
Consumer complaint received 2020-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer dispute. I am very stressed and concerned, i have been sending letters before this and still no response.
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX Bank is misreporting a balance to my Experian credit report. The account was settled for less than full, and is reporting correctly on both my XXXX and XXXX credit reports.
Consumer complaint received 2015-10-12
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (CA)

Navient hired XXXX XXXX XXXX XXXX to collect on a private student loan. XXXX had previously stated in a Consumer Financial Protection Bureau complaint that I had filed that they do not save credit card information. Their statement was false and deceitful because I went online today to make a payment XXXX online payment website and they had XXXX different credit cards saved under my name and account information. XXXX is intentionally misrepresenting that they do not save credit card information when in fact they do save credit card information as is shown in the attached .jpg file which I screenshoted to show that XXXX does save credit card information even though they had previously stated in a prior CFPB complaint that they do not save credit card information. XXXX is engaging in deceitful debt collection and misrepresenting their business practices which is a flagrant violation of the Fair Debt Collection Practices Act. XXXX lied when they previously stated in a prior CFPB complaint that they did not save credit card information which was a flagrant lie and I have proof that they lied to me about it.
Consumer complaint received 2020-07-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (TX)

After reviewing personal credit reports I noticed a collection account has been recently added and is very damaging. I have never received anything in writing from Midwest Recovery Systems, LLC about a debt of {$3100.00}. I do not have any new outstanding debts. I have recently sent a letter inquiring and awaiting a response from Midwest. 
I would very much like to make a complaint against this company for their false claims.
Consumer complaint received 2020-07-16
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. (AZ)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My Trans Union Report incorrectly shows 2 Federal Tax liens. They show paid but the do not include the new necessary information and therefore must be deleted under the new guidelines. It does not show my SSN or DOB. Transunion refuses to delete this despite the new regulations. 

( The standards will apply to new and existing data in files and will require that the public records sources include the individual 's name, address and Social Security number or date of birth. )
Consumer complaint received 2020-10-26
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)

XXXXXXXX XXXX  Transunion received its second complaint in regards to incorrect reporting on my credit file. Transunion has failed to comply with 15 USC Section 1681n and 1671o. 
XXXX Account XXXX and others. Transunion was notified that all XXXX XXXX are XXXX XXXX  of Texas, PA account associated with the XXXX XXXX and were paid by the XXXX. Under the XXXX XXXX XXXX XXXX of 2018 " Prohibiting medical debt that should have been paid by the XXXX to be reported as part of a veteran 's credit history. Yet Transunion continues to report these XXXX. accounts under my name and my credit report. 
XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX The credit bureau has the settlement from a court hearing were the loan is considered paid in full and can not report me to the credit bureau. Transunion continues to ignore the court order and reports this account as charged-off. 
XXXX XXXX Acct XXXX Transunion has the letter from XXXX XXXX  that they were unable to properly identify me as the holder of the account. A police report, a criminal identy theft case was filed with XXXX XXXX XXXX as the letter stating which caused XXXX XXXX to be unable to destinguish me from the fraudulent party. Yet Transunion claims the Account was verified, when XXXX XXXX  said it can not verify the account due to the police report and the identity theft. 
XXXX XXXX  A police report, a criminal identy theft case was filed with XXXX XXXX XXXX  as the letter stating which caused XXXX XXXX to be unable to destinguish me from the fraudulent party. Yet Transunion claims the Account was verified, when XXXX XXXX said it can not verify the account due to the police report and the identity theft.This is the same account as XXXX XXXX, just resold. 
XXXX XXXX XXXX. 
The original creditor XXXX can not verify the account since they can not find the original agreement of credit. Yet Transunion falsely claims the account was verified. 

Rather than remove the items Transunion wants my dispute to confirm to its automated system rather than actually verify the information.
Consumer complaint received 2021-02-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Uplift, Inc (NY)

Upon review of my credit report I see a negative account report from a company named Uplift. I have attempted to reach this company via certified mail, asking for them to validate the debt as well as list it as DISPUTED on my credit report. The certified letter I mail was received by Uplift on XX/XX/2021. I have yet to receive a response from the company. They have NOT verified the debt and have NOT listed the account as disputed on my credit report. I have proof that the verification of debt request was received on XX/XX/2021 by Uplift and I have proof on my credit report it is not listed as disputed. They are in clear violation of the FCRA & FDCPA which protects consumers and allows us to request verification, and if none is provided within a 30 day time frame it must be removed from our credit report. I expect that this company will comply with the laws set forth and remove this item from my credit report in a timely fashion.
Consumer complaint received 2021-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MI)

long story short i bought a washing machine part off XXXX. XXXX completely botched the case I had opened and refused to correct it, so I did a charge back with my credit card who also botched that dispute as well and went to the XXXX for help and they sent me san email claiming they had requested pictures of the damage item which i never received and i would have gladly provided it if i was informed. this involves Dispute ID : XXXX pic of the damaged item is being attached to this complaint. 

since this is being filed i also never received my credit card replacement either or any letter they claimed was sent out on XX/XX/XXXX requesting information. i have filed over a dozen complaints against the post office over the last couple months for various issues including missing mail.
Consumer complaint received 2021-08-18
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. (CA)

I XXXX XXXX a natural living person never gave Equifax permission to report INACCURATE information on my consumers report define 15 USC 1681 B ( 2 ) 15 USC 1692 its been 90 days since i sent them my affidavit of truth! an no response
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (NJ)

I took out a loan with a company called  ''Money Lion '' & I made all my payments on time I WAS NEVER LATE. I decided that I would leave for vacation with my family so I called money lion to pay off the remaining balance of the loan for a total of $XXXX  so I wouldn't have to worry about it when I was away on vacation. I spoke to a money lion representative and he took my debit card number and told me congrats your loan is now paid in full. Soon after I received an email saying my payment has been scheduled for XX/XX/2018 '' YOUR LOAN IS NOW PAID IN FULL''  so I personally thought everything was fine to leave on vacation. When I finally arrived back I got a notification from a credit monitoring service saying I had a ''serious delinquent account 30-60 days late''. and I contacted the company about this matter to have this negative remark removed I've sent in pdf files of my bank statements and the email verification of the payment,  as well I asked for a '' deletion letter '' but they refuse to give it to me. I would really appreciate if you guys can help me solve this issue.
Consumer complaint received 2020-11-26
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. (PA)

I have contacted the three credit bureaus several times about this matter still no update on accurate information I still have an accurate information no proof let me apply for any of this stuff Ive never even went To any college i see there is a account for dept of education i never signed up for i sent complaint # XXXX please remove inaccurate information this is hhurting my family and hindering my credit stopping Me from obtaining new employment please remove inaccurate information listed below Upon investigation XXXX XXXX XXXX  Closed Closed on XX/XX/XXXX XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX Closed Closed XXXX XXXX XXXX {$770.00} Needs attention XXXX XXXX XXXX XXXX  {$370.00} Needs attention XXXX XXXX XXXX {$160.00} Needs attention
Consumer complaint received 2020-09-01
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 — Was not notified of investigation status or results
Company: CL Holdings LLC (CA)

i have sent dispute letters to XXXX and after i did they sold my debt to someonesle. i have also file disputes with jefferson capital systems and yet to hear from them. Im sick of them ignoring my request to resolve my credit issues
Consumer complaint received 2017-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CO)

My loan was suppose to be fixed rate. I consolidated my loans with XXXX XXXX which sold to XXXX. its been XXXX since then them changing my payment plans, when the loan is finally paid off. Originally my paperwork states XXXX. Last time tho last year they sent out indefinite will increase for as long as they gather interest rate. The variable changes greatly as I pad XXXX a month roughly and only XXXX goes to principal and its been that way since it was transferred but was bad even before and I have been paying it it since XXXX. XXXX  years almost XXXX and its only gone down XXXX dollars, it was XXXX k something XXXX roughly XXXX and now its XXXX. I have another school loan that was predatory from XXXX that I finally had enough and am paying back at XXXX a month which will be completed in XXXX. I cant afford much more with this company and they wont work with me and play games. 

I am a normal hard working person who has been been late or missed a payment. This is so predatory. almost XXXX years of XXXX year original loan I took out and its only gone down XXXX? on top of that they went from XXXX to now .... XXXX???????? How is this possible I never signed anything stating they can do that nor was I told about it when I was XXXX living with family and desperately trying to afford college. In which case my degree from XXXX was obsolete ( print design ) by the time I graduated. So Im stuck here. HELP
Consumer complaint received 2020-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

My account with Wells Fargo was placed in forbearance or trial plan by mistake in XXXX, twice. First week of XX/XX/2020, the account goes into forbearance, payments are not accepted based on a problem with Wells Fargo systems and then the account goes out of the plan. Later, at the end of XXXX the account goes again in forbearance and I had to call Wells Fargo once again to get it removed. They finally did this on XXXX  XXXX. I spoke with several representatives, the last one being XXXX XXXX ( direct line XXXX extension XXXX ) who after several phones told me on XX/XX/XXXX that he got approval to issue a letter stating that the account was placed in forbearance by mistake and that he was only waiting for the legal department to approve the language of such letter. After waiting for a week, I spoke again to XXXX. XXXX on XX/XX/XXXX, who informed of the decision by Wells Fargo to not provide such letter. This situation has generated significant issues on my side, as other lenders are now reluctant to provide any financing until the situation gets resolved or some time goes by before they are wiling to look at my applications again. The major issue here, other than the account being inadvertently placed in forbearance is that Wells Fargo continue to mislead customers telling them that accounts entering forbearance during covid19 will not impact credit scores, but they massively fail in disclosing that credit score agencies will still be informed about the situation and that a note on the report will indicate that at some point, the account was in forbearance. Even if this does not affect scores, it DOES affect customers with an impeccable record of never having missed a single payment or liability in their whole lives. Wells Fargo continue with their old practice of misleading customers. A smart lender will always look through scores and if there is anything else on the report that could be a cause for concern, then its reasonable to believe that a note on the report such as the one Wells Fargo has now created on mine, could become a big issue to me in the future.
Consumer complaint received 2021-09-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (DC)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2020-10-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I disputed an alleged debt with Portfolio Recovery Associates to all three credit bureaus ( XXXX, XXXX  and XXXX  ) on XX/XX/2020. All three credit bureaus verified the alleged debt as accurate. I requested that the credit bureaus provide verification of validated on the alleged debt on XX/XX/2020 but was advised I would need to contact the creditor/collection agency directly for additional information. On XX/XX/2020 I mailed a certified letter to the collection company requesting they validate the debt ( per the FDCPA ) by providing the following information : -an explanation of the alleged debt -a calculation of the alleged balance -documentation that shows I agreed to pay this debt -the agreement that grants them the authority to collect on this alleged debt -a copy of their state license including the license number On XX/XX/2020 Portfolio Recovery Associates mailed a letter back providing on 2 out of the 5 items requested during the validation letter. The collection company only provided an explanation of the alleged debt and the calculation of the balance. However, they did not include documentation that I agreed to pay this debt, the agreement that grants them authority to collect on the debt or a copy of their state license including the license number. By not providing all of the requested information, they are in violation of the FDCPA.
Consumer complaint received 2020-10-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I had a credit card with XXXX XXXX  ( XXXX ). The store closed. The credit card I had was written off in XX/XX/2015for an amount not more than {$400.00}. Portfolio Recovery has had this account in their system since XX/XX/2015. They have continued to refuse to provide me with detailed, itemized statements showing I purchased items totaling {$11000.00}. They will only provide a statement showing the balance but not how I obtained that amount. I have been disputing this through the credit reporting agencies since XX/XX/2015. 

I demand itemized, detailed, line by line statements showing my purchases totaling {$11000.00}. This company produces fraudulent documents.
Consumer complaint received 2019-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY (FL)

I have a Bluebird Account through American Express.  You must have a check pre authorized at which time the funds are deducted from your account.  I have now had them bounce my pre authorized rent check twice.  Not only have I incurred charges from my landlord but they are now in the process of evicting me from my home.They have not responded to my previous letter of XX/XX/XXXX and I have written to them again.  I have attached the materials to this email. Any assistance with this would be appreciated.
Consumer complaint received 2020-10-26
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)

On XX/XX/2020 I sent a certified letter requesting validation of inquiries, on my credit file. I was sent a generic letter stating requested information was verified. The reporting agency did not fulfill their responsibility to conduct a proper investigation to my request according to FRA, Section 611 ( a ) ( 6 ) and ( 7 ). However, there were no information, as far, as, proof of who was contacted and what information was obtained to verify the accounts was accurate.