davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am formally notifying you of my intention to pursue legal action against your company for repeatedly failing to address inaccuracies on my credit profile, as mandated by the Fair Credit Reporting Act ( FCRA ). Over the phone, I talked to someone within the company to confirm the documents had been received and they informed me that they never receive documents from the CFPB. Your disregard for my requests constitutes a violation of the FCRA, which grants consumers the right to accurate credit reporting. Despite multiple requests, you have neglected to investigate and correct the erroneous information associated with the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I was an account holder with XXXX. My account # was XXXX. XXXX was notified that my Landlord revoked permission to have the dish on my roof. The rep was to cancel my account. I was advised I would NOT be charged a cancellation fee because it was my landlord who was revoking the permissions. A box was sent to me and the receiver was promptly returned. XXXX has acknowledged receipt XXXX XXXX, 2017. A few weeks later I received a bill for early termination and service use. I immediately contacted XXXX  and the rep I spoke with acknowledged my service should have been disconnected. She acknowledged I was being billed incorrectly for the termination fee. She also acknowledged I was being billed for two months of service after I returned the receiver. She advised me the issue would be resolved and I would receive no further bills. NOW I am getting a collection letter from IC Systems. They are advising my account is in collections. I advised I was disputing the debt. The collector stated I needed to contact XXXX directly. I spoke with XXXX from XXXX on Friday, XXXX XXXX, 2017. She was rude and disrespectful. She intentionally hung up on me and placed me back in the queue. The next representative barely spoke English and disconnected my call as well. I called back a 3rd time and XXXX  was my XXXX rep this time. She advised me XXXX did n't have access to my notes since the account was in collections. She advised I write to the corporate office. I spoke with XXXX XXXX at the collection agency. I was advised he was a manager. He offered to Settle the account. I advised him I am disputing this bill as false. I made him aware of my intentions to file a complaint. I have sent this complaint in writing to IC Systems as well as to the corporate office of XXXX in XXXX XXXX, CO. I am desperate to have this corrected. I do not want this falsely reporting on my credit bureau report. This debt is an error. If someone would take the time to read the notes on my file they would see the error by XXXX.
Consumer complaint received 2017-08-07
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (TN)

My ex boyfriend took out loans with XXXX XXXX ( currently Navient ) and put me down as a co-signer without my knowledge. Navient calls me repeatedly throughout the day even though I have told multiple representatives that I am not making payments on these accounts. They have also told me these deliquesces have been reported to the credit bureaus.
Consumer complaint received 2023-01-19
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. (IL)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent inquiries were made. I already contacted the police department about this issue and obtained a police report # XXXX which is attached. Please remove these fraudulent inquiries off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 2. The inquiry was not authorized XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please remove it from my credit report. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX
Consumer complaint received 2021-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

In XX/XX/XXXX the due date of the Capital One Walmart card was changed to the XX/XX/XXXX. I could see this information at the end of XX/XX/XXXX when I checked my account online. It stated that {$28.00} minimum due on the XX/XX/XXXX. However when I went to pay the bill on the XX/XX/XXXX I noticed that I had received a past due fee of {$28.00} on the XX/XX/XXXX. I called today the XX/XX/XXXX and requested to know why if the online screen of their company showed a due date of the XX/XX/XXXX that I was charged a late fee of {$28.00} on the XX/XX/XXXX. 
The rep i was talking to said that even though the online screen showed a date of the XX/XX/XXXX that the statement ( which i had in XX/XX/XXXX signed up to have the statements delivered via email ) stated the XX/XX/XXXX was the due date and that is what they have to go by. I asked specifically why then does the web site say i have until the XX/XX/XXXX to pay the minimum due? That is extremely miss leading. He didn't have any answer for that. So i don't know how many other customers are having this happen where the online screen shows a due date and yet the company is going by a different one and charging fees accordingly.
Consumer complaint received 2020-09-20
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. (MI)

There are numerous errors on my credit reports. Accounts Reporting false information, other peoples information, etc. attempts to file disputes failing. XXXX reporting false information on reports. Everywhere I turn to for help just tells me to contact someone else.
Consumer complaint received 2020-09-20
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. (MI)

There are numerous errors on my credit reports. Accounts Reporting false information, other peoples information, etc. attempts to file disputes failing. XXXX reporting false information on reports. Everywhere I turn to for help just tells me to contact someone else.
Consumer complaint received 2020-09-20
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. (MI)

There are numerous errors on my credit reports. Accounts Reporting false information, other peoples information, etc. attempts to file disputes failing. XXXX  reporting false information on reports. Everywhere I turn to for help just tells me to contact someone else.
Consumer complaint received 2020-07-21
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. (TX)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is  being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2023-01-19
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-05-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Global Lending Services LLC (TX)

On XXXX XXXX, I filed Chapter XXXX Bankruptcy. I asked my attorney to reach out to my creditor Global Lending Services, about establishing a reaffirmation agreement for my car loan. A reaffirming agreement was sent to my attorney by XXXX XXXX XXXX prepared by a 3rd party representative for Global Lending Services the agreement was signed by both parties and filed on XX/XX/2020 with the bankruptcy courts. My case was discharged on XX/XX/2020. I contacted Global Lending Services by phone and email for several months trying to get them to update my account information according to the agreement so that my account would show as current however, each time I called customer service no one could help me or knew what I was talking about. I became concern about my loan going into default even though I was paying the amount identified on the reaffirmation agreement as stated they were still listing my account as past due, showing the original loan information prior to the agreement. Once my discharge was granted by the court XXXX XXXX XXXX began the collections calls every day, when I try to explain about the reaffirmation agreement no one could help me to understand what the issue was they just wanted me to pay the past due amounts they had listed on my account. Finally in XX/XX/2020, I was forwarded to a representative by the name of XXXX who told me she could not do anything until she heard back from XXXX XXXX XXXX  who handles their bankruptcy case this is a 3rd party representative. On XX/XX/2020 GLS 3rd party representative reached out to my attorney implying the original reaffirmation agreement sent by them to my attorney and filed with the bankruptcy court on XX/XX/2020 was incorrect and I would need to sign a new one and file it with my bankruptcy case which had already been discharged as of XX/XX/2020. I refuse to do this when I already have a legal binding document filed with the bankruptcy court agreed upon by both parties and approved by the bankruptcy trustee. As of XX/XX/2020, I am still waiting for them to honor the original reaffirmation agreement signed by both parties and filed with the bankruptcy court to be honored by Global Lending Services. My account with Global Lending Services has not been updated per the original filed reaffirmation agreement and they are reporting each  month the incorrect information to the credit bureaus showing me as past due. I can not get a response from anyone as to when the filed reaffirmation agreement will be honored by them and my account updated accordingly. If I can not get this resolved with CFPB help I will seek additional legal actions to get them to honor this agreement filed with the courts.
Consumer complaint received 2019-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

There is a bankruptcy that does not belong to me on my Equifax Credit Report. 

I have never filed for a bankruptcy, and XXXX and XXXX correctly identify that I have never had one. Only Equifax has this mistake.
Consumer complaint received 2022-03-29
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: Experian Information Solutions Inc. (NJ)

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 XXXX XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-09-20
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. (TX)

Right after I graduated in XX/XX/2017 and searching for employment, Hurricane Harvey hit us bad and destroyed our home, injured my father and no income to the family other than Disaster Unemployment. 
I contacted XXXX and requested for relief which was provided to me. I was able to find a very low income temporary employment and requested XXXX for additional payment relief and provided all forms and documents they requested but they kept saying they did not have all the documents until I was able to work with a rep who watched for my email and confirmed receipt of all documents. BUT, XXXX XXXX, 2017, XXXX reported 14 ( THIRTEEN ) late payments to Credit Bureaus. 
Every time I speak to someone at XXXX, I get a different representative giving me a different set of information. A few months ago, one representative spoke to his supervisor and told me a request was sent to Credit Bureaus to remove these delinquencies but they have not been removed yet in 3+ months. I If the issue is not resolved within 30 days then I will take this matter over to the Court.
Consumer complaint received 2023-01-19
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. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-05-06
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. (MO)

XXXX XXXX  and XXXX and reporting inaccurate information. they are also displaying the wrong fees and interest. The account does not reflect payment and they are violations of fcra and FDCPA
Consumer complaint received 2024-04-30
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: DISCOVER BANK (FL)

My information was leaked several months ago, and I've had credit card applications submitted that are not from me. I've been working on my credit and have applied for credit-building programsnone of which involve any of these companies. I have submitted for this before, and it's affecting my credit significantly. 


XXXX XXXX XXXX ( XX/XX/XXXX ) - Bank Credit Card - I did not apply XXXX XXXX XXXX ( XXXX XXXX, XXXX ) - Bank Credit Card - I did not apply XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) - XXXX XXXXXXXX XXXX- I did not apply XXXX XXXX XXXX  ( XX/XX/XXXX ) - Bank Credit Cards- I did not apply XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) - Bank Credit Cards- I did not apply XXXX XXXX XXXX ( XX/XX/XXXX ) - Bank Credit Cards- I did not apply
Consumer complaint received 2020-09-20
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)

Right after I graduated in XX/XX/2017 and searching for employment, Hurricane Harvey hit us bad and destroyed our home, injured my father and no income to the family other than Disaster Unemployment. 
I contacted XXXX and requested for relief which was provided to me. I was able to find a very low income temporary employment and requested XXXX for additional payment relief and provided all forms and documents they requested but they kept saying they did not have all the documents until I was able to work with a rep who watched for my email and confirmed receipt of all documents. BUT, XXXX XXXX, 2017, XXXX reported 14 ( THIRTEEN ) late payments to Credit Bureaus. 
Every time I speak to someone at XXXX, I get a different representative giving me a different set of information. A few months ago, one representative spoke to his supervisor and told me a request was sent to Credit Bureaus to remove these delinquencies but they have not been removed yet in 3+ months. I If the issue is not resolved within 30 days then I will take this matter over to the Court.
Consumer complaint received 2020-09-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

I use to have a medical bill, from XXXX XXXX Hospital XXXX XXXX California. Although my insurance paid part of the bills and I was a student at that time. I filed for some bill assistance program with the hospital and my bill was overlooked and forgiven. 
CMRE Financial services located at XXXX XXXX XXXX  XXXX  # XXXX, XXXX, CA XXXX. Contacted me in regards to this bill and I was confused, I taught the hospital was messing or joking with me. In XX/XX/XXXX I went to basic training dont have access to my phone. When I got out of basic training I saw 3 collections on my credit report from CMRE. 
I contacted the hospital and I was told my I dont have any pending or outstanding bill that my bill was forgiven last year XXXX. I spoke with several billing officials of the hospital and was told they never send my information to any collection. I was even told CMRE isnt the collection agency the hospital use for collection, and high means XXXX XXXX Hospital XXXX XXXX dont have any affiliation with CMRE financial services. 
I called CMRE and explain that to them, then asked them how they got my information since XXXX XXXX Hospital denied releasing my information to them. They have classified information of me, they have my phone number social security number and my home address. 
CMRE hanged the phone on me, and their collection still appear on my credit report till date, my credit report went down by 70points because of them.
Consumer complaint received 2020-09-02
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. (TN)

XXXX has removed incorrect entry the report and the three major bureaus refuse to remove it from my report. I have long suffered from this willful violation of my section 604 rights for my fair credit reporting rights.
Consumer complaint received 2022-10-07
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: Sequium Asset Solutions, LLC (FL)

Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
Consumer complaint received 2019-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I have reported fraud accounts being reported on my credit report by Equifax and only Equifax. I have took the proper steps per the fcra to have the fruad removed and blocked. I have submitted a FTC report, police report and copies of my id numerous time. I have contact Equifax fraud department several times and was hung up on by the rep when I stated they have violated my rights. I provided them with proof of the violations and have been hung up on every time. This is not ok or legal. Equifax is causing my family great hardships and I will be pursing equifax in court.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent a letter to XXXX, XXXX and TransUnion on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been almost 60 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been almost 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.