davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

I submitted to experian credit reporting agency a letter I received for further documentation the my mandee 's account was never paid late and this account should be reporting as accounts that are satisfactory. I received the letter from the bank ( XXXX ) that they are to adjust and correct my report. Today I reveiwed online the results of the investigation and now it is showing as N/D for the month of XXXX and still reporting as a late payment for XX/XX/2015. This is completely wrong. Experian requested this letter so they can adjust my report and move this account to accounts that are satisfactory. I spoke with commenity bank and received this letter as they confirmed this account has never been paid late. This account at one time was reporting correctly as accounts that are satisfactory then recently it was moved to accounts that are potentially negative. They re-inserted it back to negative. I spent time on the phone with them plus my time in mailing this letter again and it still is not corrected. I am submitting this complaint about experian credit reporting agency because they have the substantial documentation they need to correct this account. XXXX/XXXX.
Consumer complaint received 2017-04-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

I had a payment with due date XX/XX/2017. 
I paid the amount on XX/XX/2017. 
I received two letters : 1 ) A payment was not made on XX/XX/2017, and that I was past due 2 ) A second payment is due on XX/XX/2017, despite my repayment plan be QUARTERLY. 
I tried paying the XX/XX/2017 payment on XX/XX/2017, and their website was down ( as usual ). 
I would ATTEMPT paying earlier if they posted the payments earlier. I was n't able to reach Heartland ECSI on XX/XX/2017, and on XX/XX/2017 it was Saturday and they were closed. 

I previously filed a complaint against Heartland ECSI for their " convenience fee '' of 5 % when making online payments. That is, when the online payment system actually works. It is down 75 % of the time. I 'm curious this is some kind of retaliatory tactic.
Consumer complaint received 2018-03-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I disputed a bankruptcy on my credit report with TransUnion and It came back verified as accurate. I requested their method of verification, which I am entitled to under the Fair Credit Reporting Act section 611. I received a generic letter in response. I called and requested the method of verification again and was told by a rep and a supervisor that they can not send it to me. This is a clear violation of my rights under the law however the supervisor maintained that TransUnion did not have to provide me with that information.
Consumer complaint received 2017-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

Employment data is missing from my Trans Union credit report. I want the following information added immediately to my credit report : Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX, Position : XXXX XXXX XXXX XXXX, Annual Salary : {$150000.00}
Consumer complaint received 2021-09-09
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. (NJ)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reviewed a copy of my current credit report and show a complete or inaccurate information listed. The creditor XXXX Account # XXXX Credit reporting history is listing inaccurate late payment for this account on XX/XX/XXXX.I have never missed a payment to this account. Please update to show credit report that account payment history was never late and remove late payments to account. Also I attempted on a number of occasions to reach out to have late payments deleted.
Consumer complaint received 2017-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been the victim of identity theft fraud and my attorney has submitted several disputes to the credit reporting agencies along with proof that the accounts and bankruptcy was fraudulently filed in my name. They have yet to delete any of the accounts, inquires and BK filing. They are literally holding me hostage to a debt that I did not create. I need assistance immediately!
Consumer complaint received 2021-08-05
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. (PA)

Experian is willfully & recklessly reporting false information. 
They are continuously reporting errors and failing to investigate or correct the errors. 
I ask that they re-investigate the last delinquent date on my account ending in NY CHILD Support NFC ( XXXX ) Upon close review of the documents, I provided they can see that its been over 7+year ago However, they refused -Instead they chose to re-age my account, and is now reporting that my account was late and my last delinquent dates is now XX/XX/2019 Its unfair how this Consumer reporting agencies ( Experian ) has the right to Violate my rights and report outdated negative informations And to make matter worse, they re-age my account. To reflect my last delinquent date to be XX/XX/2019. 
In most cases, the ( FCRA ) clearly states that a consumer reporting agency may not report negative information that is more than seven years old. I clearly meet that requirement of the 7years. I also truly believe that there was no investigation and If so how did you reach this conclusion to re age my account.
Last, but not lease, how do they closed account and it become late after its been closed? I can see account being open then being late -But account that was closed for 3 years and sent to collections being late after its been closed sound like Truly unfair practices if you ask me?
Consumer complaint received 2017-04-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX is listed with 120 day late payments on my XXXX and Trans Union reports, which are not accurate. I disputed first with both XXXX and Trans Union, and both have kept the late payments on my credit report. I wrote to XXXX, asking them to update the information with XXXX and Trans Union, but never received a response back. I disputed again with the XXXX bureaus, only to have them add a remark to my account. The remark is not helpful when the information is incorrect.
Consumer complaint received 2021-09-09
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. (PA)

3 credit bureaus. are reporting late payments I have never been late on any payments.they stated 1 being mortgage I sent then full copy of all payments they didnt correct. They are Fabracating and reporting to banks credit card cos. etc. THE REPORTS I SEE FROM THEN DONT SHOW ANY LATE PAYMENTS ON ANY 10 ACCOUNTS.THEY ARE REFERING TO.
Consumer complaint received 2021-08-05
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: EQUIFAX, INC. (FL)

I sent letters to the bureaus on XX/XX/21 & XX/XX/21 I have heard no response to my letters. I will attach what I have sent. I'm aware that under the 602 [ 15 U.S.C. 1681 ] they are in direct violation of my rights.
Consumer complaint received 2017-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (AL)

1 ) Navient failed to update my credit report in timely manner 2+ months 2 ) Interest is unfairly accumulated, even with pending payments. Interests is added daily, and it takes several days for a payment to go through. Ex. A loan payment submitted on Monday for the full pay off amount, will not cover the entire balance by the time the payment is processed, resulting in still owing more money on the account that had a payment posted to settle the entire balance. Should it not be compiled at the ends of each month?
Consumer complaint received 2017-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: William C. Grossman Law, PLLC. (NY)

I received a notice from William C. Grossman Law, PLLC today ( XX/XX/XXXX ) stating if I did n't resolve debt that they are authorized with in 30 days to file a lawsuit to collect the balance owing on the account. I have attempted to notify the hold of the debt. XXXX XXXX XXXX when they notified me of debt back in XXXX that this was fraud. I asked them to send me a signed copy of agreement and documentation they had. I never heard back from them. Now I am receiving a letter and a promissory agreement that shows no signature, just an electronic signature. I have also sent documentation to the credit reporting agencies showing this is fraud with no response on behalf of XXXX XXXX. They are outside of the guidelines of sending me verification of the debt back from XXXX XXXX. I request that this be investigated. They are in violation of the FDCPA by attempting to contact me directly.
Consumer complaint received 2022-08-10
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. (VA)

I over paid my XXXX 's payment due in XXXX. Therefore, I should not have had a payment for XX/XX/2022. They reported me as delinquent and as missing a payment. I have paid the account off on XXXX XX/XX/2022 of XXXX. 

They are reporting me inaccurately and refused to change the account. I have filed multiple complaints with Equifax, XXXX and XXXX. I also contacted XXXX regarding the missed payment. 

I told them I overpaid for XXXX and I should not have had a payment for XX/XX/2022. They reported me as missing a payment. 

The account has been paid in Full for XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-07-14
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. (IL)

XXXX XXXX is not in compliance. According to the FCRA XXXX XXXX XXXX is in violation of the FCRA. In XXXX of XXXX when I received my annual credit reports I noticed XXXX XXXX was not reporting accurate data to all major credit reports. I have attempted in XXXX of XXXX, XXXX of XXXX and XXXX XXXX XXXX after disputing and receiving an update credit report from TransUnion and XXXX the dispute was not corrected. What I did notice was that XXXX XXXX XXXX was not in compliance and violated my fair credit rights by not reporting accurate data. XXXX XXXX XXXX XXXXXXXX XXXX is not giving me any type of rating and are flagging my credit report with TransUnion as ( UNKNOWN ). This has been in existing since XXXX of XXXX. My current TransUnion Report XXXX XXXX is dated XXXX XXXX XXXX. Yes, I have utilized my credit card with XXXX XXXX in XXXX, in XXXX, in XXXX and have paid off the balance in full every month. For XXXX XXXX not to give me credit or rate my credit worthiness is absolutely a violation of the FCRA. When I received my XXXX credit Report Number Confirmation Number XXXX, I noticed XXXX XXXX has not reported correct data since XXXX XXXX XXXX. As of XXXX XXXX XXXX XXXX is reporting on my XXXX Credit File Number XXXX NO DATA AVAILABLE. This is definitely a VIOLATION of the FCRA, because I have used my credit card with XXXX XXXX Bank in XXXX, XXXX, and XXXX. More importantly I am not receiving any type of credit worthiness. This is absolutely a FCRA violation, by not allowing the consumer their fair rights. Furthermore, when I called XXXX XXXX XXXX to try to resolve this issue. XXXX XXXX, employee XXXX ID Number XXXX, stated to me she could not answer why XXXX XXXX  was not in compliance with the FCRA. Because I have went back and forth for over 90 days with XXXX XXXX XXXX and the problem is still a credit worthiness problems. I 'm not receiving any type of credit for using or paying my credit card. I felt it was best to file a compliant with the CFPB, so that this matter can be thoroughly investigated and all major credit bureaus will be updated and accurate data will be updated on all major credit reports regarding my XXXX XXXX/XXXX Revolving Credit Card Account. This has went on too long.
Consumer complaint received 2017-07-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (FL)

I have recently sent letters to dispute medical collections on my account to the Collection Agency, I was requesting verification that this was in fact my account, I did not receive verification, however I did receive copies of the procedures that were completed.. this is a HIPPA violation. I have requested that these files be removed from my Equifax CB, I received response from Equifax that this account was verified as accurate and updated.
Consumer complaint received 2022-09-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CT)

Shellpoint informed XXXX on XX/XX/XXXX, that the mortgage service provider had paid PMI from Account escrow when the loan originated with lender-paid PMI. 

Shellpoint stated that PMI was paid from Account 's escrow from XX/XX/XXXX, through XX/XX/XXXX. Starting with XX/XX/XXXX, all PMI payments have been lender paid, according to Shellpoint.
Consumer complaint received 2022-09-09
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. (GA)

In accordance with the Fair Credit Act XXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXt account # XXXX, XXXX XXXX XXXX account # XXXX, I XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WSFS FINANCIAL CORPORATION (NJ)

Dear WSFS, Thank you for attached XX/XX/2021 Response Letter to CFPB Complaint # XXXX. 

Kindly please provide a corrected 1099 for account # XXXX for the property : XXXX XXXX XXXX XXXX, FL XXXX The attached IRS Form 1099 received from XXXX XXXX XXXX, notes that it is the lender for account # XXXX for the above referenced property. 

As there is no account # XXXX noted on the attached XXXX XXXXXXXX XXXX XXXX loan schedule and as there is no evidence that XXXX XXXX XXXX was the lender, we are requesting a corrected 1099 from Wilmington Savings Fund Society , FSB, D/B/A CHRISTIANA TRUST not in its Individual Capacity but Solely As Trustee for the XXXX XXXX XXXX XXXX. 

Please send a corrected IRS Form 1099A. 

Thank you very much for your immediate attention to this IRS reporting matter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: WELLS FARGO & COMPANY (TX)

I have tried several times reaching out and I am done. They send me copies of and old Teen Checking Account. I am talking about the WellsFargo Credit Card that I have never seen or even had in my possession. Please make it make sense. This ongoing saga of Wells Fargo and alleged cases of fraud leaves me with only two questions : As this case refers to actions from XXXX to XXXX, and as the previous cases were also from earlier years, is this something that finally will stop? Does the bank have the necessary culture, controls, and management to eliminate the problems? 
Why would anyone trust this bank in any form at all?
Consumer complaint received 2022-09-08
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. (NJ)

In accordance with the fair credit reporting act Account name ( XXXX  XXXX ) account # XXXX has violated my rights. 

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A. Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-07-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P.S.C., Inc (WA)

( IMPROPER CREDIT REPORING ) To whom it may concern Im filing a formal complaint towards Puget Sound Collections aka PSC regarding their collection practices, bullying methods and unfair consumer credit reporting. Upon pulling my credit I discovered at least XXXX negative medical debt ( s ) that do not belong to me nor are the said individuals on my medical coverage. On XXXX XXXX XXXX I called the company ( PSC ) and spoke with XXXX XXXX and later met with her on the afternoon of XXXX XXXX XXXX in an effort to resolve the matter of improper medical debt reporting. She provided me with a list of the debt which comprise of family members that are not covered on my medical. The total sum of debt - {$15000.00}. This is not my debt and I did not accrued these debts and I am requesting immediate removal from my credit. ( Resolution ) I am seeking assistance to have these claims removed immediately from my credit.
Consumer complaint received 2024-01-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (NC)

I went to the ATM that chime provided to use on XX/XX/XXXX at XXXX. I tried to withdraw {$300.00} and the money never dispensed. I told the cashier at XXXX located at XXXX XXXX XXXX XXXX in XXXX XXXX  NC XXXX. She proceeded to tell me that the company that comes to get money out of ATM just fixed the machine because it was having problems before. She then proceeded to tell me to contact the number on the bottom of the ATM which I did which they in turn told me to call the number on the back of my bank card. When contacting chime they told me that the ATM machine would have to reset itself and see that no money was withdrawn and my money will be returned. I then received a email that stated that there was no error found and they will not be returning my money. The XXXX store has cameras facing the desk and the ATM which sees that I did not receive any money. Now I am out of my money and they still will not return my money or send me footage of who took my money.
Consumer complaint received 2017-04-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (OH)

I have a a unverified account from ENHANCED RECOVERY COMPANY XXXX. I had previously disputed this account. I have never done business with ENHANCED RECOVERY COMPANY. 
Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ENHANCED RECOVERY COMPANY Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY COMPANY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2020-11-29
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. (KS)

I was making my payments and someone hit and ran into my vehicle, I had insurance and had to send the bank check to fix my car, they were supposed to send it back for the damages instead they applied it to the principal of my auto loan which left me stuck paying for the damages even tho I had insurance and still had my car payment due to them putting it toward the balance and not what I owed. This app XX/XX/XXXX threw me off ruined my credit and prevented me from getting a home loan. They have violated my consumer rights
Consumer complaint received 2017-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (CA)

i am a victim of identity theft, my personal information was use to acquired XXXX XXXX credit cards. The name appear on XXXX is not my correct name. Please investigate in this matter.