davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OK)

I am writing to you in hopes that you can assist me in dealing an Experian Credit Agencies investigation of 3 XXXX XXXX XXXX XXXX XXXX XXXX XXXX debts that were invalid. 

I am a veteran of XXXX  and XXXX and have been using my XXXX XXXX XXXX XXXXXXXX at XXXX XXXX XXXX since XXXX. On XX/XX/XXXX I received a letter from the VA stating that an overpayment had been made for my benefits. I submitted an appeal on the same day of receiving the letter stating that this was due to circumstances that were beyond my control. I kept in contact with the XXXX VA XXXX regarding the appeal and was told that it would take a while due to a backlog of benefit paperwork. I started to receive letters from the XXXX XXXX XXXX XXXX  invoicing me for the overpaid benefits. The XXXX XXXX assured me that the appeal status would determine whether the debt was valid. 

On XX/XX/XXXX, to my horror, I noticed that the XXXX XXXX XXXX XXXX  had posted 3 accounts to my credit report with the status of " In Collections ''. On XX/XX/XXXX, I received a letter by the VA stating that the appeal was in my favor and am no longer responsible for the debt. The XXXX XXXX XXXX refuses to remove the 3 accounts from my credit report. The debt never went to collections as it now states. It never left the XXXX XXXX XXXX and the amount of debt was waived by the appeal. 

Experian was unwilling to remove the account from my credit report.
Consumer complaint received 2021-09-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (MS)

On XX/XX/2021, I saw this collection on my XXXX  and XXXX  reports. I never received any information about this debt and I am not familiar with it. It says it was placed in XXXX of 2021. Furthermore, I do not owe a debt to XXXX XXXX XXXX and do not even have services with them as they do not provide internet at my address. I have to have satellite internet because the location.
Consumer complaint received 2019-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have repeatedly asked Experian to stop reporting delinquent payments which were dismissed in a bankruptcy. They have ignored my requests. My credit scores with XXXX  and XXXX are currently at XXXX and XXXX respectively. Experian reports me at XXXX and sites 10 accounts as " accounts ever late ''. What is the purpose of a bankruptcy if a credit reporting agency can still display credit conditions, primarily payment status, that ultimately diminishes ones credit worthiness far beyond the accepted disclosure of the bankruptcy. It is very clear the government agencies whom regulate their business practices allow them to do whatever they want with no recourse for consumer fraud. What further can I do other than file suit as they hope to compel me to do?
Consumer complaint received 2022-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I performed a consumer credit transaction on XX/XX/XXXX and was denied my right to an extension of credit via Bank Of America. I received an adverse action letter stating nothing but inaccuracies and unverified information. I then proceeded to send correspondence to the company which they received XX/XX/XXXX and I never got a response from them. They violated 15 USC 1691 ( a ) ( 3 ) because I, the creditor, applied in good faith. The credit reporting agencies showed an inquiry confirming that a consumer credit transaction took place, which I also never benefitted from the transaction which violates 15 USC 1602p, because they used my credit card as per 15 USC 1602 ( l ). As a consumer protected by Title 15 Chapter 41, Pursuant to 15 USC 1692c ( c ) ( 3 ) I am demanding the right to an extension of credit.
Consumer complaint received 2019-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc. (CA)

When contacted by phone, explained to the debt collector we do not own the company that they have listed as the debt being owed. The company listed was sold by my in laws eighteen years ago to a man named XXXX. That is all I know. I asked them to please remove me from their phone calls and letters as this debt is not my husbands or mine. This debt is from XXXX to the company XXXX XXXX XXXX XXXX XXXX. My husband and father in law have the same first and last name, different middle name, different social, different address, My father in law passed away three years ago after selling this company eighteen years ago to a man whom I only know as XXXX.
Consumer complaint received 2017-12-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: U.S. Auto Sales Inc. (NC)

The vehicle was wrongfully repossessed in XXXX XXXX. The lien holder of the vehicle failed to fix electrical problems with the car. The car was repossessed and sold in auction. The amount the car sold for and what I owe is completely wrong.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (WI)

JPMCB auto account num XXXX Report XXXX credit bureau XXXX l owe them money .which l have spoken to this fraud dept. .whom agreed information on the file doesn t match .instead of Jpmcb auto chase to stop. reporting to the XXXX whom agrees l don't own .my information doesn't match. That the reason l haven't heard any information to Pay. Cause they aware l l don't owe this company XXXX XXXX XXXX spoke to fraud department whom stated social security num name doesn't match. And. The company never provided bill. To XXXX
Consumer complaint received 2021-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I have contacted Experian explaining that I have several inquires that I have not authorized them to have access to my credit report. This information is fraud and I have attached the FTC report to have this information deleted from my credit report.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I wrote XXXX, TransUnion and XXXX to requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from any of the credit bureaus or any acknowledgment that an investigation has begun. All letters were sent certified mail. Its going on five months and I have yet to receive a response.
Consumer complaint received 2020-06-04
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.XXXX {$3500.00} XXXX {$12000.00} XXXX {$1000.00} XXXX {$110.00} XXXX {$83.00} XXXX {$980.00} XXXX {$180.00} XXXX {$330.00} CHAPTERXXXXBANKRUPTCYDISMISSED
Consumer complaint received 2019-06-08
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

The absolute tragedy of Capital One and thinking that on my credit cars that reports to all the CRAs could actually close my account for Telling them that I had filed a report with the CPFB, Little they care of the discrepancy when I was told not to file for an authorized charges when thats exactly what happened. I submitted the report and they closed my account which no credit and reflects negatively on it. 

XXXX XXXX / XXXX has over 2300 complaints on the internet mostly for reinserting old debt as a form of extortion and despite the submission of the facts to you folks and the FTC these Companies seem to work together to make our lives difficult. 

As a single father was three dollars to raise I cant seem to let this happen since it is not just.
Consumer complaint received 2023-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (FL)

I.C System Inc.XXXXXXXX XXXX XXXX {$2000.00} I have called and asked this company to provide me proof that I opened this alleged account that was opened under a different company name while I was in bankruptcy and they refuse to provide me any proof.
Consumer complaint received 2022-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX My Experian report # is XXXX Account name XXXX XXXX XXXX XXXX  Account number XXXX .... 

requesting your method of verification I am requesting your method of verification, and I am granting you 15 days to respond to this request. If this account was in fact verified as you clam that would mean that you investigated it, and it would also mean that this was in fact an investigative consumer report. If this in face was an investigative consumer report, I am also exercising my rights under 15 USC 1681a ( e ) Please keep in mind that you only have 15 days to respond to this request. If you do not respond in time, this trade account and all information of it must be removed from my consumer report.
Consumer complaint received 2022-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (SC)

I rec 'd a call from XXXX XXXX of Truist Bank at XXXX on XX/XX/XXXX. She wanted to argue about my recent payment. Frankly, if we are arguing about me making a payment, I feel sorry for anyone that actually needs Truist Bank. They should be restricted in all of their ability to lend money. 

On XX/XX/XXXX, I submitted 2 payments to Truist as their website will only allow a max payment of {$99000.00}. I entered this payment followed by a payment of {$12000.00} electronically through by Truist Checking account. At that time, I owed Truist the following on my account : {$110000.00} PLUS interest from XXXX at {$15.00} per day ( {$270.00} ). This totals {$110000.00}. My expectation was that my XX/XX/XXXX payment would more than cover the {$220.00} that I owed Truist. They would adjust the dollars and refund me the difference OR communicate with me as a client. Instead, they declined the first payment of {$99000.00}. This is incorrect. 

There are 3 things I would like to point out regarding the mortgage contract : 1 ) There is no prepayment penalty, 2 ) Payments are made in arrears, 3 ) they are simple interest loans ( billed monthly but interest accrues daily ).

At this point, my second payment of {$99000.00} appears to be suspended. I do not know what will happen XXXX  but I certainly do not want to hear from XXXX again. Her call was ridiculous.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim 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 the process and trying to buy a home for my family. 


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 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 2020-09-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Technology Federal Credit Union (TX)

In XX/XX/2017 a First Tech credit card was opened on my behalf without my authorization. This card has been recognized as an issue on their behalf and stated as a collection on my report when this was not of my doing. This is hurting my score please take this off as soon as possible. I am trying to buy a home for my family during this hard time and this is not making it any easier.
Consumer complaint received 2019-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Dear CFPB, all three credit bureau and XXXX XXXX, I have received a notice from the collection firm XXXX XXXX ( original creditor is XXXX XXXX XXXX ) suggesting I owe {$260.00}. This account was previously under XXXX XXXX and it was remove between XXXX and XXXX because this item as well as the original creditor were disputed, now this same collection agency that was REMOVED on all 3 credit files has re sold my account to a new collection agenct, who have threaten me and sent a notice that if I don't pay this debt ( which is not mine ) within 30 days from notice that " ... ..report this account on your credit history ... ''. So now I will yet take another hit to my score which is wrong, I humbly request since this account was already remove from the same original creditor XXXX XXXX XXXX. That it be remove OR not allowed to report false erroneous collection on my credit file, this debt does NOT belong to me. Also as all bureau are aware that I'am an identity theft victim, I would like to advice that I have received my results from XXXX that my Social Security number has in fact been found associated with another individuals account information, I have taken a picture of XXXX notice with the results I ask you also take into consideration this document for all other items in dispute. I also have attach more documents associated with notice receive and also more proof.
Consumer complaint received 2019-06-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Circle Internet Financial ()

On XX/XX/XXXX, altcoin $ XXXX collapsed more than two thirds of its value during the day, resulting in the margin lending pool incurring a more than {$13.00} XXXX USD loss. Poloniex took 16  % of lenders ' BTC to cover the loss to the lending pool. 
XXXX has been a dead project since 2016. Somehow A REGULATED EXCHANGE not only kept listing it but allowed margin trading to the tune of XXXX BTC of exposure. After the loss they try to persuade lenders like " ... this was a risky transaction and you should have known you could lose your money ... " by writing blog posts, but this wasn't clear before their failure. 
The loss is only because of Poloniex 's system bug and they have to pay back customers ' money.
Consumer complaint received 2021-07-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: COMMUNITY FINANCIAL SYSTEM, INC. (NY)

Vehicle was purchased in XXXX {$6000.00} down 36 months of payments of {$560.00} grand total approx {$28000.00} After the 36 months I called the bank and asked for the lien release. One week later I received a new payment book with 42 additional payments at {$560.00} for an additional {$23000.00}. which would make this used XXXX XXXX XXXX  with XXXX miles {$52000.00} in XXXX. Community Bank stated to my attorney something definitely wrong XXXX used truck no way is {$52000.00} XXXX XXXX XXXX definitely messed up on the loan. The XXXX XXXX sheriff 's deputies to my truck during the covid pandemic when our mayor made the cares act law. Community Bank valued the truck at {$17000.00} which they had posted a bond for double the value. So my question is how does a vehicle depreciate {$35000.00} in 3 years.
Consumer complaint received 2020-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (LA)

On XX/XX/XXXX, I received a notification from XXXX. The notification was in regards to a account that had been flagged for collections. Instantly, I knew something was incredibly wrong. I then filed a dispute through the XXXX center and waited two weeks for my results. The results then claimed the company showed them proof of a recent account with them. I have no knowledge whatsoever about have a account with Sunrise Credit Service, which is located in New York.! I would most definitely appreciate if this issue is resolved quickly.
Consumer complaint received 2019-08-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Grant Mercantile Agency (CA)

Original debt was {$2900.00} no interest charged have bills from XXXX XXXX dated XXXX/XXXX/2018 Collection company bill dated XX/XX//2018 showing principal {$4900.00} interest {$150.00} total due {$5100.00} reported to my credit report I disputed it but nothing was changed I don't know how the principal amount due went from {$2900.00} to {$4900.00} in one day of it arriving in collections. I have attached the bills so it is clear that something is not right I am not understanding how now it is {$2000.00} above what was originally owed.
Consumer complaint received 2023-02-01
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)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have filed multiple disputes with TransUnion in regards to a company by the name XXXX, This company claims an debt amount of {$1700.00} is owed to them. I have NEVER heard of this company, and I do not have any signed agreements or contracts with this company. After a investigation by credit bureau TransUnion has deemed this debt as verified. TransUnion has not provided me with the supporting documentation that would support their decision, I believe they conducted a improper and incomplete investigation.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX aka XXXX XXXX XXXX XXXX refuses to update my credit file with The Tbrer major credit bureaus Transunion XXXX and XXXX .This a credit card is paid in full. Every month XXXX XXXX takes between XXXXp and XXXX  points against my fico score. It's wrong .it appears that this ba k has cut a deal to get paid to continuously take points to keep my score from improving so credit companies like XXXX XXXX  can continue to get paid for posting inaccurate information. This continuous practice is disparate for me as a person of XXXX and it also keeps me at a disadvantage of getting credit or a loan which is unfair. Every month I please with XXXX XXXX to update and they continue to keep my profile of XXXX XXXX in the negative. This appears discriminatory and deliberate. It's been over a year now and XXXX XXXX willmot update my credit profile thus allowing fico to improve my scores. It's simply no reason for this time of treatment especially when the account is paid .this is a honest attempt to remedy this problem otherwise I will have no choice but to bring XXXX XXXX dba XXXX XXXX. 
This practice is hindering all the credit bureaus with my profile.
Consumer complaint received 2022-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

XXXX  a fraudulent account, XXXX also its a fraudulent adress on my report XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX. 

XXXX accordance with the Fair Reporting Act XXXX  Account XXXX, has violated my rights. ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ..15 U.S.C 1681 section 602 A. States i have rights to privacy.

... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting angency can not furnish a account without my written.instructions.