davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-04-06
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: EQUIFAX, INC. (TX)

This is XXXX XXXX and I am submitting this CFPB Complaint to dispute the accuracy of my credit report. After reviewing my report, I have identified erroneous accounts that are negatively impacting my credit score. I am asking for your assistance in removing charge off accounts from my credit file. These accounts have been reported inaccurately, which is negatively impacting my credit score and financial well-being. Despite my attempts to resolve the issue with the creditors, the charge off accounts remain on my credit report. I need the following accounts removed from my Credit File as soon as possible : XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}. I am requesting that you investigate the matter and take the necessary steps to remove the charge off accounts from my credit file. I understand that the Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus must report accurate and up-to-date information, and I believe that these accounts are in violation of that law. I would greatly appreciate your assistance in resolving this matter as soon as possible.
Consumer complaint received 2021-02-03
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. (FL)

Hello, I sent out a letter to TransUnion on XXXX XXXX to investigate this matter. I've tried to fix this issue with this company. It has been 45 days today XXXX XX/XX/2021 ) and no responses from them! I am a victim of Identity theft and have accounts reporting on my credit that are not mine! I have filed an Identity theft report with Identity theft.gov. This is not fair, and I want these accounts deleted from my credit immediately : XXXX account, XXXX XXXX, Avant, and XXXX Bank!
Consumer complaint received 2021-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Transunion has marked my account down for XXXX points for a new collections account being added. XXXX XXXX XXXX is the collections company. I look at my report and all the accounts show as old, and that there is no new collections. I think XXXX XXXX XXXX  has re-aged old collections to look new and thus hurt my credit score. They have done this two other times in the past. That is the only explanation that seems reasonable. Or this credit bureau is discriminating against me because of my race or gender, or both cause there is no new collection on my report. I do not acknowledge the debt as valid.
Consumer complaint received 2021-02-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Remitly, Inc. (FL)

Follow up to Complaint Number XXXX. Remitly will still not allow me to access account in order to review and obtain copies of my transaction history. I had requested the ability to do this in the above mentioned complaint. 

" 3 ). The ability to log into account so I have access to transfer history and the receipts from those transfers. '' Remitly failed to address this request in their response to my original complaint.
Consumer complaint received 2023-04-06
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: EQUIFAX, INC. (MO)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from 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 rebelliousnessXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$930.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} US DEPT ED XXXX Balance : {$930.00} US DEPT ED XXXX Balance : {$1300.00} XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXXXXXX Balance : {$760.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$3300.00} XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XX/XX/XXXX XXXX XXXXXXXX.
Consumer complaint received 2023-03-10
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: Access Credit Management, Inc. (TX)

I am a victim of identity theft ACCESS CREDIT MANAGEMENT XXXX XXXX XXXX XXXX  AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX
Consumer complaint received 2023-01-31
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. (TN)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX 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 a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX  account number XXXX, XXXX account number XXXX, XXXX account number XXXX, XXXX  account number XXXX, XXXX account number XXXX, XXXX account number XXXX, XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX account number XXXX, XXXX XXXX account number XXXXXXXX XXXX XXXX account number XXXX have violated my rights. 

15 U.S.C1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1681section 604 A, section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I wrote2 letters to equifax regarding getting old addresses that I never lived at and needs to be deleted from my record as I never lived at these addresses yet they ignored my letter and i this is a time consuming process to send out letters and to get absolutely no response on my letterdated XX/XX/20 was ignored not a change its XXXX no letter saying they deleted a simple request the addresses were XXXX XXXX, XXXX  XXXX XXXX  XXXX XXXX XXXX il XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX Tennessee XXXX XXXX XXXX XXXX ilXXXX XXXX XXXX XXXX XXXX XXXX Il XXXX And acknowledge my mailing address is XXXX XXXX XXXX, ilXXXX
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: PENTAGON FEDERAL CREDIT UNION (FL)

I have officially complained to these companies that I am a victim of identity theft. I did not open these accounts : XXXX XXXX XXXX XXXX XXXX and PENTAGON FCU XXXX XXXX  XXXX And I don't believe any charges made to them are my fault. On XX/XX/2022, I had already submitted the FTC report ; on XX/XX/2022, I contested them with the three bureaus and the relevant corporations. Nevertheless, despite my attempts to fix the situation, they have yet to respond to me and continue to reject removing these false entries from my credit record.
Consumer complaint received 2022-01-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I am not an attorney nor am I a third party. I am filing on my own behalf because it is my legal right to do so. I have a 30 and 60 Late pay the is showing on my credit report from CAPITAL ONE BANK USA N XXXX. My income was affected due to the Pandemic Shutdown. I am seeking some accommodations under the CARES ACT FCRA section 623, 15 U.S.C. 1681s-2 ; 12 CFR part XXXX, XXXX XXXX I am trying to protect the integrity of my credit profile as much as I can. I am current on all the accounts I was told that I have to write and request the late pays to be removed.
Consumer complaint received 2023-01-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: OneMain Finance Corporation (MO)

I filed bankruptcy and One Main did not raise any concerns about their loan being XXXX. My case was accepted by the XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX. My case number is XXXX. 

Additionally, I have not received any correspondence that a balance was due or repossession was possible. I am shocked that my car was repossessed on XX/XX/XXXX. 

XXXX XXXX XXXX
Consumer complaint received 2021-02-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Funding of XXXX, MI or XXXX XXXX, CA uses unfair tactics in reporting debts and collections. They report the same debt twice and they refuse to remove the duplicate information even after you contact them and file a dispute with the credit agencies. As a matter of fact, after I asked them to remove the duplicates they added another account with duplicate info.
Consumer complaint received 2021-09-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (CA)

I purchase a vehicle at XXXX from XXXX XXXX, California around XX/XX/2015 and got a loan through Santander Consumer USA for approximately {$14000.00}. 

I have been making payment of {$390.00} ( sometimes a bit more ) since XX/XX/2015 to date. The issue is I have not really seen a difference in the balance of my loan, which is currently at approximately {$11000.00}. 

I know there have been times when I fell behind on payments and I have requested extensions throughout the six years that I have been paying for the vehicle, but I feel that for the amount of time I have been making payment I should still see a significant drop in the balance and I do not see that. 

I reached out to Santander Consumer USA a while ago to see if I could refinance the loan to reduce my interest rate which is at 26 % and I was told they do not do that. 

Recently I reached out to Santander again asking them to look into my loan being that I don't see a difference in the balance. The representative when over the loan history with me and explained that because I have fallen behind in payment and have requested several extensions most of my payments have been applied towards interest. 

I explained to him that I have been paying {$400.00} for the last six years, which equals to approximately {$24000.00}. How can I pay such a large amount of interest towards a {$14000.00} loan, even if I have fallen behind in payments this can not be. Of this {$24000.00} only about {$3000.00} have been credited towards the principal. 

I don't know what my options are at this point and would like some help in resolving this issue, and I can not afford an attorney to look into this matter. 

I just feel at this point my loan balance should be considerably low considering the length of time I have been paying. 

Your assistance in this matter would be greatly appreciated. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-02-21
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: WELLS FARGO & COMPANY (IL)

In accordance with the fair credit reporting act Wells Fargo has violated my rights by reporting a late payment on my credit report on XX/XX/2020. 

15 USC 1681 Section 602 states I have right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that consumer reporting agency can not furnish an account without instructions.

15 USC166B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

On XX/XX/2023 I made a deposit of {$230000.00} into my Investors Bank account ( which is Citizens Bank today ) and I was told a temporary hold would placed on it. ( No Problem ) It's now XX/XX/2023 and this hold is still in place after several conversations at my local branch with the managerand customer service representatives. It seems very illegal and unethical to hold my money for this amount of time. What kind of institution operates like this? I feel like I've been robbed!
Consumer complaint received 2019-05-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NM)

Since the start of my loan ( XXXX ) with Nation Star now Mr. Cooper they have applied my payments incorrectly. An  Overpayment that should be applied to my principal they are holding in suspense instead of reducing the principal. This has occurred monthly for 4 years resulting in over {$28000.00} not being applied to the principal that has been paid. I contacted the company and they continue to deny that the payments are not being applied correctly after contacting my previous loan holder to ensure I was up to date. They are now requesting bank statements for the last 4 years to verify payment even though their system shows the payments being paid. After asking that they review the account I was told that if they made any adjustment to reverse the payments I would be in default and placed in foreclosure despite over-paying faithfully since the start of the loan. XX/XX/2019 was the very first statement about having payments in suspense.
Consumer complaint received 2019-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (NV)

I am currently in XXXX, and my loans are in deferment status. The interest is being reported every month on my credit report and impacting my score as not paid. Due to my loans being in deferment I am not allowed to pay anything on my loans but my credit score continues to be negatively impacted by the interest rate being increased.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am requesting to formally dispute several inaccurate addresses listed on my credit report. Upon reviewing the report, I noticed that these addresses do not correspond to any locations where I have resided or conducted financial transactions. I can confirm that I have never lived at any of these addresses nor have I authorized any financial accounts to be associated with them. As such, their inclusion on my credit report is misleading and potentially damaging to my creditworthiness. 

I understand the importance of accurate reporting and its impact on my financial standing. Therefore, I urge you to conduct a thorough investigation into these discrepancies and remove the inaccurate addresses from my credit file as soon as possible.
Consumer complaint received 2019-03-18
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. (NY)

XXXX XXXX XXXX XXXX XXXX, GEORGIA XXXX XXXX   XXXX XXXX XXXX XXXX, GEORGIA XXXX EXPERIAN XXXX XXXX   XXXX XXXX, TEXAS XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX has admittedly violated the FCRA by not conducting a complete and reasonable investigation. After disputing an erroneous bankruptcy tradeline on XX/XX/2018, the company sent me a letter that stated the bankruptcy was accurately reporting on my file. I have specifically asked the procedure used to determine the accuracy of this information in my file. I was eventually informed by a representative of XXXX that PACER is often used by the Bureau to validate credit errors. United States Case Law has stated many times that PACER and XXXX and other third party verification is not sufficient. Credit Report Bureaus including XXXX could not merely parrot information from creditors and third party information distributors. Credit Bureaus must go to the ORIGINAL furnisher of the record. 

This erroneous bankruptcy should be immediately removed from my credit report. I have a letter that proves XXXX never went to the bankruptcy court to obtain accurate information. In fact, none of the bureaus ever go directly to the court and obtain the information needed. Otherwise the companies would have responded via mail the requested signed documents needed to Verify this erroneous tradeline.
Consumer complaint received 2019-06-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a XXXX  mother, I attempted to finance a home for me and my family and I could not because of my credit. That made me want to check my credit report and i saw a lot of fraudulent items i did not authorize.
Consumer complaint received 2022-08-15
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. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$360.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00}.
Consumer complaint received 2019-03-18
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. (NY)

XXXX XXXX XXXX XXXX XXXX, GEORGIA XXXX EQUIFAX XXXX XXXX XXXX XXXX, GEORGIA XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX has admittedly violated the FCRA by not conducting a complete and reasonable investigation. After disputing an erroneous bankruptcy tradeline on XX/XX/2018, the company sent me a letter that stated the bankruptcy was accurately reporting on my file. I have specifically asked the procedure used to determine the accuracy of this information in my file. I was eventually informed by a representative of XXXX that PACER is often used by the Bureau to validate credit errors. United States Case Law has stated many times that PACER and E-Oscar and other third party verification is not sufficient. Credit Report Bureaus including XXXX could not merely parrot information from creditors and third party information distributors. Credit Bureaus must go to the ORIGINAL furnisher of the record. 

This erroneous bankruptcy should be immediately removed from my credit report. I have a letter that proves XXXX never went to the bankruptcy court to obtain accurate information. In fact, none of the bureaus ever go directly to the court and obtain the information needed. Otherwise the companies would have responded via mail the requested signed documents needed to Verify this erroneous tradeline.
Consumer complaint received 2019-03-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (OK)

I lost my job In XX/XX/2017 I did qualify for the reduced mortgage for a yr. I found a new job paying XXXX less than what I was originally making so it is hard for me to pay my mortgage. I have filled out the papers for the reduced mortgage but was denied when I ask my mortgage company they say the income is too much or less but will not tell me why. They referred me to HUD I called HUD and spoke with XXXX who does not communicate with me she can not explain to me why I was denied. So I asked to speak to her supervisor XXXX XXXX who has NEVER returned a call and I have left messages and sent emails. 
I do not want to lose my house but I do not know what I need to do, I am trying to get the help but it seems no one is trying to help me.
Consumer complaint received 2019-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC. (WA)

I'm not even sure what debt they are talking about. There were calling me incessantly and would not tell me who they were. If I answered, they would transfer me to an automated message to leave my information. 

The only bill I thought could have been outstanding was a doctor bill from XX/XX/2018. I have called the doctor 's office and my insurance paid. I have a XXXX balance. 

I do not owe anyone any money ; I have impeccable credit. I have also just checked my credit report, in case of identity theft. My credit report is perfect. 

They are now calling my work number ; I am a XXXX XXXX and it rings in my XXXX. I have been forced to unplug the phone. 

The name of the company is Evergreen Professional Recovery, headquartered in XXXX Washington.