davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-01
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. (MA)

I recently applied to refinance my student loans with XXXX. I was denied because of what I was told were delinquent accounts.I asked the XXXX rep what accounts are they talking about and they gave me a list of 4. 3 of the 4 are not even companies I've had accounts with and the other was an account that was closed 2 years ago that I was a co-signer on, not the primary borrower. 

I was given the following information to get my credit reporting information. 
Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX 1 ) The phone number doesn't work. Regardless of the information one enters or the options one chooses, the answer is " we can not process your request over the phone, submit a written request for information ... '' 2 ) This is the 2nd time I've had something completely false on a credit report from Experian in the past 6 months. ( I filled a different complaint with the CFPB involved a falsely reported accident on my vehicle that resulted in my not being able to trade in my car - the result of the complaint was Experian removing the False information from my report. 

The information from whatever source is false and inaccurate and has caused me financial loss.
Consumer complaint received 2024-01-29
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: Experian Information Solutions Inc. (CA)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
DEPT OF EDXXXX XXXX Balance : {$6200.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-03-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2016-03-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (FL)

This debt is so old it is way past the statute of limitations. I have not had a XXXX phone for more than 5 years and ERC is trying to collect on the debt. I have no other records of last payment bu I know it was more than 5 years.
Consumer complaint received 2019-10-29
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: Experian Information Solutions Inc. (CA)

There are several inquiries on my report that are simply NOT mines. I have ask the credit bureau several times to no avail to investigate each and every inquiry that does not bare an applicable account related to the inquiry. There has been sever time where I get a alert from my credit monitoring service telling me someone is applying for credit. I immediately contacted the credit bureau to notify the of the situation with no remedy.. I have seen with my own eyes. My father who is XXXX and I'm XXXX apply for credit using his Social security number and the inquiry immediately shows on my report. For this reason I have asked the credit bureau to investigate each and every inquiry but to no avil I have ask in writing as well via telephone. I've also ask for proff of all inquiries showing they belong to me ie and application bearing my name social security number and signature and address to prove that their report is completely accurate as reported but as of this date no responce was given!
Consumer complaint received 2019-10-02
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: Experian Information Solutions Inc. (CA)

I am writing to dispute a fraudulent charge on my account of {$20000.00}, {$200.00}, {$20000.00}, {$1500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. PENTAGON FCU with ACCT #  XXXX opened on XXXX XXXX, XXXX with a credit limit of {$20000.00} -This is not my account. 


XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$200.00} -This is not my account. 

3. XXXX-XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$20000.00} -This is not my account. 


4. XXXX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account.
Consumer complaint received 2018-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CO)

Received notification that my account was past due in the amount of {$960.00}, however when logging into my account it shows a past due amount of {$630.00} and they have n't received a payment since XXXX/XXXX/XXXX, though my payment history on their very same portal page indicates otherwise. Note no payments have been made between these two conflicting amounts. The deliquent payments have a date of XXXX/XXXX/XXXX, though a payment in full was deducted from my account on that day and shows as 'received ' under their payment history. I call Navient because my account is set up on auto pay and I had no delinquent payments per their provided account history. I called on XXXX and was told that my payment for XXXX was already showing as delinquent and that it was a system error, the gentleman said that he was submitting a ticket but due to the holiday it was showing that it would n't process until XXXX XXXX, XXXX. I called again on XXXX XXXX, XXXX as I received another delinquency notification, spoke to a different representative who went through the notes and confirmed that they are resolving the issue and to check back after the year end, I asked for documentation and she said she was unable to provide anything. Called again on XXXX XXXX, XXXX to check on the resolution and the representative said the issue has not yet been resolved and that I could do a forbearance on my account to make it current, I declined as I have always made timely payments and my account reflects as such under the payments section so it was misleading and in bad practice to recommend a forbearance. I asked to be transferred to a supervisor who then speculated that the Auto pay cycle set up for me by them was incorrect and I may actually owe one of the cited amounts. No one was able to view my screen or have an insight into what is actually going on with my account. Their practices are misleading and unorganized. As a consumer who pays my student loan payments on time every month ( to the tune of about {$600.00} ) I was left in tears and with no answers.
Consumer complaint received 2022-01-05
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. (GA)

I do not understand why it is taking so long to get an answer from the credit bureaus about a letter I sent them on XXXX. I have been patient, but I thought it was supposed to only take 30 days. At this point, I would like for them to delete all of the accounts that I have disputed on my credit report.
Consumer complaint received 2017-07-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 360 MORTGAGE GROUP LLC (WA)

360 Mortgage LLC in XXXX Texas has been collecting payments via escrow for Property insurance for the subject property. 360 mortgage 's under-educated Insurance group is refusing to pay the property insurance policy because they want to change the policy/ dictate to the insurance company and property owner how the policy needs to be titled. ( they are listed as lienholder - that is the only matter they are entitled to dictate ). We have had this discussion each year for the past three years. Now they have refused to pay the policy and I have received a notice of cancellation of the policy. Whether this is just under-educated people attempting to practice law without a license because they do n't know local laws or insurance underwriting, or whether this is a wholesale attempt to cause the existing policy to lapse so they can force-place a more expensive policy thru an affiliate, it smacks of fraud. They represented they were collecting insurance payments each month into an escrow account so that the policy could be paid - when in reality they have now refused to pay the policy. I recommend their loan servicing practices be investigated for consumer abuses.
Consumer complaint received 2018-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX is reporting inaccurately on my credit file and they are in violation of the FCRA & the Bankruptcy Courts. 
They WERE NOT included in my bankruptcy and in fact I have never missed a payment and have been current, which they have verified. But because I filed bankruptcy they have to stop reporting, they can not continue to report and damage my credit after a discharged bankruptcy.

They did n't stop reporting until XXXX and it is affecting my financing. 
They are clearly in violation. They need to put the dates back to XXXX or delete it from my credit report. 
They will not help me and I have been trying for a long time. Someone needs to ensure they fix this. thank you
Consumer complaint received 2022-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (CA)

indigo credit card made my payment on the due date..they credited my account, and then turned around and returned the payment and billed me a late fee. on top of all that they let my available credit stand and then they charged me for going over my limit... i got this card in hopes of straighting my credit out ... and all they have done is made it worse!!!
Consumer complaint received 2021-08-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (TX)

CONVERGENT OUTSOURCING bought an old debt that is already reporting on my credit with XXXX XXXX making this a duplicated account. Convergent Outsourcing RE-AGED the account. I sent a request to Convergent asking for validation and they just ignored me. They never responded. This has been going on for 90 days
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY PREVIOUS ADDRESS INFORMATION WHICH IS TOTALLY WRONG
Consumer complaint received 2021-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

The XXXX  and XXXX  Credit Bureaus are reporting inaccurate information on CAPITAL ONE ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2017-09-22
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. (UT)

All 3 major credit bureaus have illegally hoarded my personal information without this consumers express written consent, pursuant to the 1974 privacy act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the fair debt collections practices act, all 3 bureaus mulishly and collectively shared this consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions and a host of others.
Fair Credit Reporting Act False and Misleading Practices Truth and Lending
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing to express my deep concern and frustration regarding the fraudulent items that persist on my credit report, despite my previous attempts to address and rectify this matter. This is my multiple attempt to bring your attention to the inaccuracies on my credit file, and I am disappointed that the issue remains unresolved. 

I provided detailed information and supporting documentation to substantiate my claim. However, to my dismay, the inaccuracies persist on my credit file. 

I understand the importance of accurate credit reporting, and these fraudulent items are adversely affecting my creditworthiness. I have taken all necessary steps to verify my identity and provide the required documentation to support the removal of these items. I expect a timely and thorough investigation into this matter. 

I request that you promptly reevaluate my dispute, taking into consideration the evidence I previously submitted. I also urge you to communicate the results of your investigation in a clear and transparent manner. If additional information is needed from my end, please inform me at your earliest convenience. 

I am prepared to cooperate fully and provide any further documentation required to expedite the resolution process. I believe that the prompt removal of these fraudulent items is crucial to maintaining the integrity of the credit reporting system and ensuring fair and accurate credit assessments. 

I appreciate your attention to this matter and expect a swift and satisfactory resolution. Please acknowledge the receipt of this complaint and provide a timeline for the resolution process. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX XXXX : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXX Balance : {$680.00} 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 2022-09-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have been disputing the erroneous accounts and information reporting on my Credit Report but all my Disputes have been ignored and neglected by the Credit reporting Agencies. Under the Fair Credit Reporting Act, the Credit Reporting Agencies are required o conduct an investigation and verify the disputed items being reported on my Credit Report. And if the Credit Bureaus insist that the Disputed accounts are verified, I need the Credit Bureaus to provide me copies of proof of verification. However, all my previous requests for proofs of verification have been neglected by the Credit Bureaus. I am submitting this CFPB Complaint to request another investigation and correct my Credit file from any erroneous reporting. I need the following items deleted if the Credit Bureaus are not able to verify : XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$3700.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1100.00} DPT EDXXXX XXXX Balance Owed : {$3700.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2022-09-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Please re-open Complaint # XXXX and review the following CFPB case carefully. It was closed after submission. The reason regarding closure is not true. I have just registered a new account on XX/XX/2022 and created this complaint on XX/XX/2022. There is no way that it has ever been previously processed.
Consumer complaint received 2017-04-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (KY)

Disputed this claim with the landlord of   XXXX   XXXX   XXXX   XXXX  ,  XXXX , KY. Charged for utilities after I moved. Due to renovations conducted the apartment became a health hazard. I paid rent due according to the lease. They were obstinate about paying utilities no longer in use after I moved and entered the apartment after I left and were working on it while I still had time remaining on the lease. I do n't know when they allowed another occupant into that apartment. It has been reported to   XXXX   and to  XXXX . Online disputes to no avail.
Consumer complaint received 2024-01-29
Product: Credit reporting 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)

The following accounts are fraudulent accounts which were NOT initiated be me. These accounts were initiated on the dates listed in a fraudulent manner. I am requesting that the following inquiries be REMOVED from my credit reports : XXXX XXXX, date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX date XXXX XXXX XXXX XXXX date XXXX XXXX XXXX / XXXX XXXX date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX. Date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX  date XX/XX/XXXX XXXX. Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXX XXXX XXXX XXXX. Date XX/XX/XXXX XXXX. Date XX/XX/XXXXXXXX XXXX XXXX. Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX. Date ( No date listed ) XXXX. Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXXXXXX XXXX. Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXXXXXX XXXX  Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXX XXXX. Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXXXXXX XXXX date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX  Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXX XXXX. Date XX/XX/XXXX
Consumer complaint received 2022-09-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION (TX)

REPOSSESSION DEFICIENCY DISPUTE This account CREDIT ACCEPTANCE CORP acct # XXXX, has violated my rights. Under the laws of the state of TEXAS UCC 9.506 and State RISA and MVISA statues a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhere to. Please provide copies of the legal notices and proof of the commercially reasonable3 manner of the resale of the subject vehicle. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statues and UCC 9 REMEDIES. 
Also, Section 16.004 of Texas Civil Practice and Remedies Code, states ... .the statue of limitations on debt in Texas is four years. And this account is over 4 years old, so it must be removed.
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: EQUIFAX, INC. (TX)

According to the Fair Credit Reporting Act, 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 you post on a credit report.Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I reviewed a copy of my current credit report and show incomplete or inaccurate information listed. The creditor Original Creditor : XXXX XXXX XXXX account number XXXX shows alleged account paid as agreed. This creditor advised that due to payment received successfully the creditor agreed to delete the account. This was a payment received as pay for delete. This is not a dispute buyer request for removal due to pay for delete. Please delete this account as creditor has agreed to do so. 

Account Name : ( Original Creditor : XXXX XXXX XXXX ) Account Number:XXXX** Reason : I don't recognize this account
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

There is a pubic record that remains on my XXXX report. It is not me or associated with me in any way. The address doesn't match any address I've ever lived. 
This is a mix up of records and is interfering with my ability to get credit.