davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-11
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. (TX)

I have new information regarding CFPB complaint # - XXXX & XXXX. 

I sent this company a dispute on XX/XX/2022. Tracking # XXXX delivered on XX/XX/2022. Pursuant 15 USC 1681I ( a ) ( 6 ) specifically ( 6 ) ( b ) ( III ). I have the right to get the description of the procedures. This should have been sent to me via mail with in 15 days pursuant 15 USC 1681I ( A ) ( 7 ). Today makes day 21. They are in complete violation. I would also like to note this company only have 30 days to complete this investigation. If the investigation is not complete within that 30 day the company must delete the requested items pursuant 15 USC 1681 ( a ) ( 1 ) ( a ), ( b ), and ( c ) This company is in complete violation.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CO)

I HAD A COLLECTION NOTICE ON MY CREDIT REPORT. BUT IT WAS AN UNORDERED DEVICE SO, BY LAW, I WAS ENTITLED TO KEEP IT AND CONSIDER ITTO BE A GIFT. THE CREDITOR MADE IT IMPOSSIBLE FOR ME TO RETURN IT. WHEN A LETTER FROM A DEBT COLLECTOR ARRIVED, I WAS EXTREMELY UPSET. I FOLLOWED THE ADVICE FROM THE CFPB AND SENT A DISPUTE LETTER, THE DEBT COLLECTOR REPORTED IT TO EXPERIAN AND XXXX. ( XXXX : XXXX WAS FROZEN. I ADVISE ANYONE WHO GETS A DEBT COLLECTOR 'S LETTER TO FREEZE THEIR CREDIT REPORTS ASAP, SO IT CAN'T BE REPORTED. ) MY CREDIT SCORE DROPPED BY XXXX POINTS OVERNIGHT! I'D BEEN PLANNING TO MOVE, AND THE COMPANY, WHO I'LL CALL SCAM CENTRAL, WAS IMPOSSIBLE. I EXPLAINED WHAT HAPPENED TO XXXX, AND THEY DELETED THE ENTIRE NEGATIVE NOTICE. BUT EXPERIAN WA GIVING ME A HARD TIME. I WAS GOING GTO COMPLAIN TO THE CFPB TOMORROW, BUT I JUST LOOKED AT MY EXPERIAN CREDIT REPORT, AND MY SCORE JUMPED XXXX POINTS. HIGHER THAN BEFORE THE DEBT WAS REPORTED. EXPERIAN DELETED THE COLLECTION FROM MY REPORT, AND I WANT TO THANK THEM!
Consumer complaint received 2022-02-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (TX)

XX/XX/2022 Auto pay through their mobile app I replaced the auto-pay feature w/new checking account info and it appeared no problem, went through. As an end-user I received nothing as so much an error notice or that I needed to contact them. Now 2 days later I am getting notices and late fees indicating my account is past due. Had to login again and do a manual payment, even when I login the app my payment info looks good w/the new account info. If they were unable to process my payment or I missed a cut-off time then it should have loaded in the mobile app as such so reasonable measures could have been taken. I would have called them on the spot had I been notified the new account draft info will not be processed. 

XX/XX/2022 speaking w/an agent trying to resolve ; seemed ok until I was put on hold for awhile only to be suddenly disconnected. Nobody has called me back. Now I have a {$29.00} check fee and credit report damage control to undertake.
Consumer complaint received 2017-03-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (MI)

My mortgage company incorrectly reported my payment history as XXXX days late to all three credit bureaus. I am currently XXXX days late, not XXXX. I am requesting this information be corrected immediately. The entire reason for my payments that started falling behind was because Roundpoint did not pay our Homeowner 's Insurance despite it being escrowed. In order to avoid our policy not to lapse, we had to pay our of our pockets. Roundpoint took almost 2 months to rectify their mistake and reimburse us for the error.
Consumer complaint received 2017-01-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (WI)

I have a total of 10 accounts listed on my Equifax credit report that should have been removed ( according to the Fair Credit Reporting Act after 7 years ) that have closed/ last reported dates ranging from XXXX-XXXX. I contacted Equifax and they advise their policy states 10 years, which violates the FCRA.
Consumer complaint received 2022-09-05
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: Experian Information Solutions Inc. (FL)

CFPB + Experian, On my latest Experian credit report I see 4 unauthorized credit inquiries I would like investigated and removed as I never gave permission.

- my drivers license - my social security card - my address- my written complaint - screen shots on Experian where these are located Please have these unauthorized hard credit inquiries removed as soon as possible.
Consumer complaint received 2022-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

CFPB + TransUnion, There are 2 hard credit inquiries that I do not recognize and would like investigated and removed from my credit report.

attached to this complaint are : - my drivers license - my social security card - my address- my written complaint - screen shot where these are located Please have these investigated and removed as soon as possible
Consumer complaint received 2016-02-18
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Citizen banks system told XXXX XXXX 's system my account was invalid and rejected my payment causing adverse entry on my credit report. They also re order debts to maximize fees and this is done during system down time after debits have posted to the account earlier that day.
Consumer complaint received 2022-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (FL)

I have contacted XXXX and also I have disputed several times an account from XXXX listed on my credit report as derogatory with an outstanding balance. I have paid off the account. I will attached the paid off letter to this complain which was also sent to XXXX. I also called XXXX and they have confirmed my account to be paid in full with a Zero Balance. And XXXX keeps saying that they verified the account to be accurate. They are lying and they are breaking the law under FCRA, by proving erroneous information on a credit file of a consumer. It is the on account under XXXX XXXX listed as Original Account last XXXX : XXXX Creditor : XXXX Regarding The XXXX XXXX XXXX Credit Card XXXX and XXXX are refusing to delete the account even when I have provided evidence of the account being paid off.
Consumer complaint received 2016-06-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX My credit score has been effected by a XXXX card never issued to me. I was buying tires and needed them immediately. Considered opening an account but found out I would not receive the money on my purchase for 2 weeks, so I cancelled the transaction to receive the card. Brought my credit score below excellent!!
Consumer complaint received 2015-06-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: KEYCORP (NY)

I applied and received a boat loan though key bank in XX/XX/XXXX and it was for 15 years or XXXX payments.Over that period I received promotional correspondence of a skip a payment promotion which I took advantage of XXXX different times. How it worked was i would send Key Bank XXXX dollars and they would hold that payment and add it to the end of the loan term, which in essence would make it a XXXX payment loan as Key Bank describes it.My final payment was due this past XXXX, which i have n't paid as of yet, Because in XX/XX/XXXX Key Bank contacted me that my final payment which i thought would been the same as the other XXXX payments of XXXX dollars was going to be in excess of XXXX dollars because I took advantage of the promotional skip a payment program, which they claim those XXXX payments had been accruing interest from the time i skipped those payments.Now I do have XXXX of these promotional letters with the mail in coupon at the bottom this promotion did not take advantage of at the time, also will attempt forward it to you in my documentation. This to me is DECEITFUL and not a promotion and consumers including myself should be aware of these slight of hand practices ... .Please help me with this situation.
Consumer complaint received 2022-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (AZ)

Comenity bank XXXX card, has locked my card for fraud, I explained no one has used my card and was willing to verify purchases through receipts, no one can get through on the phone been calling XXXX times to be on hold for a few hours with out anyone to help me, also contacted the XXXX  and they are unwilling to help, left messages on my credit card online account and they refused to help, just told me to call the number which no one can get trough to. Also lost some rewards I accumulated because card is frozen. I make all purchases and account is paid. I'd like to be able to use my card.
Consumer complaint received 2021-01-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (TN)

I reached out to Sequium to get some information in regards to a {$3600.00} collection randomly appearing on my credit report. I have yet to receive verification of the debt nor was I ever notified of any outstanding bills that would warrant Sequium collecting the reported debt. As far as Im concerned, such debt does not exist because there is no correspondence from Sequium letting me know about ANY debts. If such debt exists, why wasnt I made aware from the original person owed? And also, why didnt I receive anything from Sequium as well?
Consumer complaint received 2023-03-28
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. (CA)

I am writing to bring to your attention an ongoing issue with my credit report. I have discovered that you are reporting inaccurate information regarding my XXXX XXXX revolving account, which was previously removed and has now reappeared without my consent or knowledge. Despite numerous attempts to reach out to you and resolve this matter, no corrective action has been taken on your end. 

As a consumer, I am protected by various laws, including the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure the accuracy of the information they report. According to 15 USC 1681i ( 5 ), it is your responsibility to modify or delete any information that is found to be inaccurate. However, despite my efforts, you have failed to take any corrective action, and continue to report false information that is negatively affecting my credit score and ability to obtain credit.

Furthermore, as per 15 USC 1681b ( 1 ), credit bureaus are required to obtain written permission from consumers before reporting their information. I have not provided such permission for my XXXX  XXXX Credit card ( Revolving ) account to be reported, and yet you have included it in my credit report, which is a clear violation of this law. 

I also want to highlight that I have the right to privacy, which has been completely disregarded by your organization. According to 15 USC 1681, I have the right to have accurate and private information reported about me, and this right has been violated due to your inaccurate reporting. 

In light of these violations, I demand that you immediately delete the inaccurate information from my credit report, including the incorrect addresses associated with my XXXX  XXXX Credit card ( Revolving ) account and remove the freeze alert. I also request that you compensate me for the financial losses and emotional distress I have endured as a result of your inaccurate reporting. 

I urge you to take immediate action to rectify this situation and ensure that you comply with the laws that protect consumers ' rights. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Customer service would not help and take care of the negative inquiries reporting on my credit report. 


TEAM XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-03
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 — Problem with personal statement of dispute
Company: Avant Holding Company, Inc. (NC)

In XXXX of 2021 Avant card closed my credit card with an explanation of " they felt I would not pay my balance '' at which time I was not DELINQUENT, or late. Nor had I been. My monthly payments had ALWAYS been way more than the monthly minimum. I have made several calls to company, they say I have to send emails to XXXX ... that they have no answers. I have sent NUMEROUS emails which have just been ignored. I have had card for going on two years. This closure has NO basis and has adversely affected my credit. It's clear looking at my history and credit this account has always been paid.
Consumer complaint received 2016-01-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MD)

Currently, I have a principal retirement payment taken out monthly in addition to my usual payment plus escrow. I want change this. In the middle of the holidays, I called the mortgagor, Santander, to make a change. They blocked access based on both the last XXXX digits of my SSN, and the whole SSN. The response was that it was incorrect. I know my SSN. They do too, as my tax forms ( XXXX, XXXX ) arrive at my address with the correct SSN. After that I tried to access a person and got cut off. I have run into this before with Santander. They obstruct for some reason ant interaction with their clients. 
When I tried to set up this accelerated payment, they resisted my efforts, until I filed a complaint with CFPB. Then they complied. It appears to me that the only way to deal with this bank is through your agency.
Consumer complaint received 2015-03-30
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

I have done multiple requests with XXXX Mortgage to consider giving some help in my HELOC loan # XXXX and after fulfilling all requirements I have been denied XXXX They are now trying to add my XXXX mortgage to my XXXX XXXX to deny me some kind of help
Consumer complaint received 2021-06-03
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX approx XXXX I received a text from my friend at my home watching my dogs while I was gone starting a man came by to serve papers to me. My friend said I wasnt home he went on to look at the papers say that I was being sued by Bank of America ... gave my personal information to a third party. Please help me with this matter as my rights have been violated.
Consumer complaint received 2021-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (IL)

They claimed I did not return their devices which I then called their wear house and they confirmed with me on the phone they had them they then transferred me back to the billing Dept and they then claimed I owed a balance due but my billing was on automatic withdrawal and we left the company to join another with no cancellation fees as our contract was fulfilled. It does not make sense on how I would owe a fee if my contract was fulfilled and I also do not have the devices as they found them in their wear house
Consumer complaint received 2017-02-28
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC. (OK)

We applied for a loan with Citizens Bank and received confirmation on XXXX XXXX 2017 at XXXX. We called XXXX to get all the payment details only to find our first payment was due XXXX XXXX. 25 days after finding out our loan was accepted. We then requested to set our payment up on XXXX XXXX each month. This would be auto paid. They told us they can not change the payment date. The rep said the repayment starts 30-45 days after the funds are sent. We are at XXXX so it is n't even following their own rules. The rep then told me to call Citizens to ask them to change the date. I call Citizens and they tell me they ca n't change the date but XXXX must. I ask what the grace period is and the representative says " your loan does n't have a grace period. '' So I call XXXX back and they inform me a supervisor will call in 24-48 hours. I call XXXX back and they tell me again they set up payments in 30-45 days but mine is still set up in 25 days not enough time to get my funding spread out without double paying. We this time just request XXXX XXXX 2017 as the first payment. This request is denied despite being within 30-45 days per the representative.
Consumer complaint received 2022-02-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX )/ XXXX / {$300.00} XXXX XXXX XXXX / XXXX / {$200.00} XXXX XXXX / XXXX / {$1800.00} XXXX XXXX  / XXXX / {$870.00} XXXX XXXX /  XXXX / {$730.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2017-04-28
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. (NV)

The  XXXX  credit companies that are Experian,  XXXX  and  XXXX   XXXX  are showing that I have a late payment on  XXXX . The account was paid off  XXXX / XXXX /  XXXX   and I had a refund mailed to me on  XXXX / XXXX /  XXXX  .     I am trying to buy a home and with this reported late in the last 12 months it is impossible. I had disputed the mistake with the credit companies and it was never removed. All it showed was ACCOUNT IN DISPUTE -- CONSUMER DISAGREES.     What is there to disagree with? Did they even call to check? I am trying everything I can I just feel as if I have no options. I will continiue to work with my lender to get this fixed but the  XXXX  credit companies have been of no help and  XXXX   XXXX  will not provide a letter that there was never a late on the account, just this payment history that I am attaching below.
Consumer complaint received 2022-02-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

The Company Portfolio Recovery at XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX has been sendig me collection notices with a balance of {$1200.00} due. I do not know this company and do not owe them any money. They do not have a contract with my name on it. I have previously written them in XXXX of 2021 and they have failed to provide me with the verification that I requested. 

They are also in violation of 15 U.S. Code 1692e ( 2 ) ( A ) by giving false representation of the amount of debt allegedly owed and the false representation or deceptive means to attempt to collect any debt Pursuant to 15 U.S. Code 1692e ( 10 ) ;
Consumer complaint received 2022-02-11
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. (NJ)

I have an account that is not mine and inquiries that I did not authorize or make. The account in question is XXXX XXXX Account number : XXXX Opened XX/XX/XXXX. Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX. This account nor inquiries are mine. I am a victim of Identity theft and demand these items are investigated and removed.