davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2020-01-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma (TX)

On XX/XX/20 I initiated a one-time {$800.00} deposit into my Credit Karma savings account from my bank account. 

On XX/XX/20 Credit Karma transfers the {$800.00} and then initiates three more transfers for {$800.00} totaling {$2400.00}. Credit Karma then returns {$800.00}. Now I'm missing {$1600.00}. It's not in my bank account and it's not in my Credit Karma account. 

My Bank, XXXX XXXX XXXX XXXX told me I need to contact Credit Karma and that each {$800.00} transfer is its own line item, not multiple attempts to process the same transaction. 

Credit Karma does not have a listed customer support phone number, but they do have a help desk. On XX/XX/20, I submitted three incident reports asking for help. I have received no response. I realize they may need more time to reply, but any credit they issue will require 2-3 days to process. I'm nearing the end of the month and my account is now in the negative. 

I found a phone number on my statement summary. It is just a recording asking the customer to leave a detailed message about the issue. I left a message.
Consumer complaint received 2022-04-29
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2022-04-29
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions
Consumer complaint received 2022-01-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information
Consumer complaint received 2021-04-12
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)

The Department of Education still has incorrect information on my credit report. I have reached out to XXXX  and Experian about the incorrect information. All of my student loans have been consolidated. They are in forbearance. That is what my balance history should reflect also.
Consumer complaint received 2020-06-03
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. (VA)

On XX/XX/XXXX, I, XXXX XXXX XXXX signed an agreement with XXXX XXXX of XXXX, VA for a XXXX XXXX XXXX XXXX. I feel the asking price of the car was ok to fair for the vehicle. However, the interest rate and monthly payment of the car exceeded what interest rates I had in the past and the payment was the same as when I traded in two vehicles on a new XXXX XXXX back in XXXX ; both being approximately in the range of $ 750- {$800.00} a month. I could understand paying this much in XXXX because that's what I paid for two vehicles a month prior to trading them in on the XXXX XXXX, which when the two vehicles were traded in, I still paid {$700.00} and my lease was set to expire on XXXX of the two vehicles. I surrender the XXXX XXXX in a XXXX banruptcy for reasons other than the payment being two high. In XXXX, a XXXX for {$700.00} isn't unreasonable but this car is not new and the interest rate of 18.53 % is what makes the payment higher than normal. I happen to believe that this car with my past and normal interest rate ( s ) offered would be in the $ 550- {$650.00} range. However, my credit report is not accurate and causes higher than normal interest rates and fees. I have signed the paperwork for the vehicle, but I have not taken possession of the vehicle at this time. The intent is to finance $ XXXX {$1500.00} and pay {$100.00} at the time of pickup. The other approximate {$33000.00} ( with the identified cash payment being {$34000.00} ) is to be paid as a part of an auto claim against XXXX XXXX XXXX and XXXX. The XXXX XXXX XXXX surrounding the auto claim with XXXX XXXX XXXX and XXXX was furnished but was not in lieu of the loan as it was a no money down purchase. Insurance for XXXX XXXX XXXX has been notified to add the vehicle to the policy.
Consumer complaint received 2018-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OK)

The credit reporting agencies, have XXXX XXXX an XXXX listed on my credit reports. They are the same accounts, with same account numbers and amounts. I have tried on several occasions, I disputed the entries and have the items corrected with no success. 

On XXXX, my XXXX accounts are closed and wit no late payments. However, on Equifax, the accounts are showing the opposite, that payments are still due. 

Please assist an/or advise how to rectify this situation. It is really disabling me from securing a home or other needed items for me and my family.
Consumer complaint received 2018-10-03
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. (TX)

There is inaccurate information on my credit report. Im not sure what documents are required for this so I will add the incorrect late below including the account number and the date it was opened. I have contacted the creditor and was told to file one of these. This is reporting incorrectly and is preventing me from living a normal lifestyle. I WAS NEVER LATE. Thank you for your help. 
XXXX XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX XXXX XXXX XXXX ( Closed ) Acct # XXXX Opened XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-11-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

as of XX/XX/2020 i sent a letter to XXXX, XXXX, and experian about inaccurate information reporting to my credit report. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have not Received a response from the Bureaus. On XX/XX/2020 I sent another letter to the bureaus to comply and still no response. It is now XX/XX/2020 and i have yet to get a response from the Bureaus.
Consumer complaint received 2019-11-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Portfolio Recovery continues to not follow the laws of the FCRA and tries to collect debt from me they can not validate or verify. I am now owed {$1000.00} per report to each credit bureau under the FCRA. I have proved to XXXX and all bureaus that XXXX and XXXX can not proved an original contract, physical signature, recording by phone or video of me asking for a line of credit. The accounts have been removed from all bureaus. Portfolio Recovery continues to inform me they have a right to collect a debt they bought but 1 ) fail to report to me how much the bought the debt for ; pennies on the dollar, 2 ) continue to send me statements as proof of the account ; under the FCRA this is not proof that I ever owned an account with either company, 3 ) Letters from the company stating they sold the debt but were never able to validate the account  was every mine! Therefore, Portfolio Recovery is ILLEGALLY trying to collect an unvalidated/unverified debt they bought from a collector. Again, statements are not proof of an account under the FCRA. 

Portfolio and I do not have a contract, they do not have my physical signature asking for a line of credit with them, nor do they have video or phone surveillance of me every asking for a line of credit with them. 

I do not owe this money.
Consumer complaint received 2018-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (OK)

The credit reporting agencies, have XXXX XXXX an Navient listed on my credit reports. They are the same accounts, with same account numbers and amounts. I have tried on several occasions, I disputed the entries and have the items corrected with no success. 

On XXXX, my Navient accounts are closed and wit no late payments. However, on XXXX, the accounts are showing the opposite, that payments are still due. 

Please assist an/or advise how to rectify this situation. It is really disabling me from securing a home or other needed items for me and my family.
Consumer complaint received 2021-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2020 XXXX CARD XX/XX/2020 XXXX CARD XX/XX/2020
Consumer complaint received 2021-11-07
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. (IN)

XXXX Equifax and XXXX are violating the LAW in regards to my consumer report. I haven't worked in one year because Consumer Reports violated the law therefore causing me not to obtain credit to get my semi truck leading to me losing out on a $ XXXX deal. This has damaged my life and I am not able to take care of myself or my children properly. I call XXXX everyday and can never get through. When I report it they always say there is a third party involved and that is not true. I am fed up with this. 

15 U.S. Code 1681n - Civil liability for willful noncompliance ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; These accounts should not be on my credit report at all. 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 and this inquiry : XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include consumer report ( Credit Report ) ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Credit Card ( ID, Social Security ) ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

If these items are not removed from my credit report for any reason, I will hire a consumer lawyer and the consumer reporting agencies will be fined {$1000.00} per account.
Consumer complaint received 2021-11-07
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-13
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)

The following hard inquiries listed below were not authorized by me and were observed on my credit report on XX/XX/2019. I am requesting for the hard inquiries to be deleted from my credit file. XXXX and XXXX was also informed and have deleted these unauthorized and fraudulent inquiries. My information was possibly used to try and obtain good. 1 ) XXXX XXXX XXXX XX/XX/2019, 2 ) XXXX XXXX XXXX XXXX XX/XX/XXXX9 and XXXX XXXX XXXX- XX/XX/2019.
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUNRISE CREDIT SERVICES, INC (FL)

there is a delinquent collection on my report that has been paid since early 2018. This just surfaced and we are was discovered because we are trying to refinance our house. We called the company reporting this delinquency. They researched it while we were on the phone and verified the account had been satisfied for some time. I asked them to remove the reported item and they said they no longer held the account and could not remove this item from out credit report. My mortgage broker suggested I file this complaint to get this removed as soon as possible so we could move forward with our refinance.
Consumer complaint received 2019-11-13
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One 's representative XXXX, employee ID XXXX confirmed today that at the management ( supervisor ) level, they were refusing to do anything to get my Walmart credit card application processed. I submitted my application 10 days ago now and they say it is in " pending '' status but refuse to tell me what is needed from me to verify information. They said 7-10 business days but, from what I understand from all representatives I've spoken with, nobody has even looked at the application ( meaning it is likely stuck somewhere ), and now that we are 10 calendar days out it seems impossible that they will get back to me in the timeframe quoted, yet XXXX confirmed nobody is going to do anything. Capital One has a responsibility to process applications. To date, I now have four inquiries on my credit reports from this one card. One inquiry is enough.
Consumer complaint received 2021-11-07
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. (SC)

To whom this may concern, I want to inform your office that you are in violation of fcra and fdcpa. You have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collection that are reporting has not been opened by me. I do not have knowledge of them. Be advise by law, I have the right to PRIVACY and you the credit reporting agencies have violated it. The list of accused collections accounts and dates follow as : CONVERGENT OUTSOURCING opened XX/XX/XXXX FOR {$930.00}, XXXX XXXX opened XX/XX/XXXX FOR {$540.00}, XXXX XXXX opened XX/XX/XXXX FOR {$540.00}, XXXX XXXX XXXX OPENED XX/XX/XXXX FOR {$540.00}. BY LAW WHEN A CONSUMER STARTS DISPUTE WITH XXXX XXXX XXXX, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATION. THE CREDIT REPORTING AGENCIES AS FOLLOWS : EXPERIAN, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FCDPA UNDER U.S. CODE 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( b ) Reasonable Procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2018-02-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (CO)

On XX/XX/2018, I received two text messages with attached voicemails from my mother and my mother inlaw stating that they had received phone calls from Navient stating that someone was looking for me or if they happened to know how to get a hold of me. They also stated that I listed them as a relative on my private loans. I do not live with either of them nor have I listed their phone numbers on my account for references etc. They have continued to call my family members looking for me as well as my husband. I have already filed a complaint about Navient previously and am still awaiting a response. I continue to pay as I am supposed to yet they continue to call. I have told them not contact my family members as they have nothing to do with this situation and it is a private matter, but they continue to do so. This is harassment in the state of Colorado and should be ceased.
Consumer complaint received 2022-01-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting AcXXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2022-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Per the FCRA regarding consumer laws the three credit bureaus are only to report accurate information on all my reports. 
The following information has been published without my written consent to do so, 15 USC 1681 the consumer has the right to prohibit information from being reported or sold in connection to any alleged credit or consumer transaction. 

The accounts I have not given consent to be published on my account are listed as follows : XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MS)

Fact, I the affiant is aware that and has proof XXXX, Equifax, and XXXX have violated my consumer rights. I the affiant am being violated by law 15 usc 1681g and 15 usc 1681g ( a ) ( 1 ). On Sunday XX/XX/2021 around XXXX I tried to get my 3 free credit reports, 3 free investigative consumer reports, and 3 free credit files but was denied my request. Also, I have made additional efforts to reach out and send a letter to " ANNUAL CREDIT REPORT '' certified mail and notarized it aswell on XX/XX/2021 around XXXX. I am askingthat you help me with this inconvenience and frustration I'm having receiving my request. Please and thank you very much. 

Email address : XXXX Mailing address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX