davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-03
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: LEXISNEXIS (FL)

CFPB Complaint I requested an investigation AND Method of Verification from LexisNexis, XXXX, XXXX, and XXXX. Per the Credit Reporting Act ( FCRA ), the credit reporting agency is required to give me the method of verification within 15 days of my request. Investigation took more than 15 days. This should be hard evidence that goes all the way back to the original creditor. The credit reporting agencies are not in compliance, and accurate per the Fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( a ).

The attached letter from the courts states the following ; The bankruptcy court does not report or transmit bankruptcy court records or any other information directly to the credit reporting agencies.
Consumer complaint received 2020-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This account is listed on TransUnion current Account owner as XXXX XXXX XXXX for XXXX XXXX XXXX # XXXX Also, listed on XXXX as current Account owner as XXXX XXXX. 

This is not my account my account. I did receive any mail with the opportunity to dispute. Please provide validation of the debt, method of verification and Assignment of debt. Please Delete ASAP # XXXX
Consumer complaint received 2018-04-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Atlanticus Services Corporation (FL)

XXXX  continues to tell me that I owe. Several times I had told XXXX that account had been satisfied. I sent an email telling XXXX account was satisfied. I have forwarded XXXX a copy of receipt that account was satisfied.
Consumer complaint received 2020-09-01
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. (WA)

On XX/XX/2020, i entered into an agreement with XXXX XXXX XXXX account. I spoke with XXXX. I agreed to pay my collection in full, ONLY if they were willing to contact the reporting agencies Immediately and report if Paid and Closed. Both agreed and paid in full, confirmation # XXXX. I now can not move forward with the purchase of my home due to their neglect to hold up their end of the agreement. I called several times today, only to be told, it takes 21 to 30 days. I asked to speak to a manager. Then i asked again for a manager or district manager, and was transfered to a District Manager, and was on hold over 30 minutes. After tiring, i hung up and called back. Then was told there was no such thing as District Manager. They have now lied to me once again. They state our conversations are on a recorded line. I request those transcript  be obtained if needed. I have Verbal Authorization on my XXXX XXXX acct to disclose any information to the credit reporting bureaus, which only is valid for 24 hrs and the bureaus told XXXX XXXX to call them. So, i am being told back and forth. Each saying the other should call them. I ask they just hold up their end of the agreement please. I can not wait 21 to 30 days. Our agreement was immediately. thank you
Consumer complaint received 2022-04-05
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: EQUIFAX, INC. (AL)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-05
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. (VA)

I am still fighting this student loan mess in my credit reports it started in XX/XX/XXXX and I was born XX/XX/XXXX ; the CBs have my d.o.b. however that dont seem to help stop them from allowing this type of stuff to happen. I am frustrated to the max I am trying to buy a home for my family and this is stopping me. Something need to be done immediately and these student loans need to be removed from all 3 CBs Transunion, XXXX and XXXX  ... I need this taken care of from the day I first filed my dispute and they keep saying this stuff is verified JUST HOW IS IT VERIFIED I WAS BORN XX/XX/XXXX was not thought about in XX/XX/XXXX my parents had was only XXXX going on XXXX years old at this time and this is frustrating me too the max!!!!! I need HELP and need it NOW ... It look like the wrong social security number and incorrect names along with addresses I sent on my report and these people is doing nothing to get this cleared/removed when it shouldve NEVER been on my report from day 1!!!
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I appreciate your time to REMOVED some of the fraudulent items in my file that resulted from an alleged fraudulent activity but I still have remaining items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an FTC REPORT # XXXX. Ive already included these remaining items in my previous letter & I am including it here again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an alleged fraudulent activity. I do not consent to E-OSCAR or any means of automated verification.
Consumer complaint received 2021-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AL)

I paid off my loan with Newrez on XX/XX/XXXX. However this company did not credit the payoff amount to my account. I continue to receive monthly bills for XXXX and XX/XX/XXXX. When I called company, I was advised to pay the bills until the problem was resolved. Therefore I paid {$890.00} for XXXX and same amount for XX/XX/XXXX. 

After I called and email Newrez several times, I received an email on XX/XX/XXXX said they closed the loan. On XX/XX/XXXX I received a refund check of {$1700.00}. 

Since I paid off the loan on XX/XX/XXXX, I should have at least receive {$1700.00} ( XXXX ) as a refund plus the interest they owe me for holding up my money. 

The whole process has wasted a lot of my time and I have to come up extra money to pay the loan. This company has never apologized for their mistake at the first place then try to short change me for the refund.
Consumer complaint received 2021-04-26
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. (VA)

I notice there was some fraudulent accounts on my credit report after applying for credit i contact Experian and after disputing the accounts i filed a FTC report and then sent to Experian, They removed the accounts and then 3 days later put accounts back on my report. So i called Experian and ask what was the problem they said creditors told them to put back on report i got in touch with the creditors and put them online with Experian and one of the creditor had told Experian that they haven't talking to them, so i call to talk to another agent with Experian and She said hold on I going to removed them again cause u filed a FTC Report and it shouldn't have been put back on your report. The next day back on which the agent said my supervisor had these accounts put back on because you don't have a real FTC Report and i said are u XXXX the reference number is right there in black in white unless the FTC company and online is fake.I am so tired of Experian really bad business and something have to be done about this company.
Consumer complaint received 2020-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CA)

JPMCB Sapphire Preferred Card XXXX Opened XX/XX/XXXX Closed by Creditor XX/XX/XXXX Late payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Made 85 % Payments on time, percentage was higher at time of closure. 
Recently became aware that account was delinquent and had been closed. Found this out after a rental company pulled my credit report. 

Due to this card and another closed by Chase Bank who reported several delinquent marks, my credit has dropped significantly. I am unable to rent any properties due to this. 

On XX/XX/XXXX I made an online agreement with Chase for this card to make 3 payments of {$210.00} dollars, and Chase reported that they would bring my card up to date. I see nothing of this on the account. I do see the withdraw from my checking account and application to Chase account. All negative marks still appear on credit report, along with amounts considered as due now. 

XX/XX/XXXX I spoke with customer service at Chase Bank with attempt to resolve the negative marks. I brought to attention that my account had always been on time until, unbeknownst to myself that the automatic payments had stopped being withdrawn. I was unaware of this, and want to make this right with the company. Customer service told me there was nothing they could do to help me. 

On Chase account online, there are no No notices or letters on my account.

There are also no branch documents. 

I am a XXXX  that makes a great living. I am honest and want to make this right, I feel like this was out of my hands and I was unaware of the situation. No I am unable to secure a place to live do to these negative marks. The creditor did not help at all.
Consumer complaint received 2020-07-12
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: Experian Information Solutions Inc. (PA)

I have reached out to the following credit bureaus, Experian, XXXX   and XXXX to dispute the Hard Inquiries on my credit profile that I did not approve and had no knowledge. The items below was unauthorized and was asked to be removed from each credit report and the credit bureaus failed to provide any evidence that these inquiries were accurate and have not removed the items. 

XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX   XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX   XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX   Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX
Consumer complaint received 2023-02-08
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-04-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

In process to buy this house I signed a contract with the builder and paid earnest money directly to him, one of the conditions included in the contract was that I had to go through his preferred lender to get the discounted price. I furnished his lender with all documents required, months later when it was time for closing the lender asked me if I had a cosigner, I provided my cousin XXXX XXXX name as a possible co signer. When both of us arrived at closing attorneys office we were told only XXXX is going to sign the closing documents, he started signing the paper an we were told by the closing attorney at the closing table that my name is in the Trailer Deed and I will be able to refinanced later to transfer the deed to my name. Not knowing what we know now we went through the closing. It was clearly fraud and deceptive lending practice. 
Throughout the financial crisis of XXXX I went through at least 8 lenders asking for loan modification in response what I got was several attempt to foreclose, as a result my cousin and I had to file several bankruptcy case to save our home, by the way most of those lenders have been shut down by the Federal Government for fraud and deceptive lending and CEO of the one those lender was prosecuted and served time in a federal prison. 
After long fight and two failed litigations we finally got a loan modification which raised our payment significantly, it was definitely a set up for failure, but I had no choice but to accept it to save the roof over our head. In XXXX my wife was diagnosed with XXXX XXXX after a major XXXX and XXXX she survived but lost her ability to work, this situation again created yet another financial crisis for me, not to mention current COVID 19 crisis added more trouble to my existing difficult situation.
Consumer complaint received 2021-04-26
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 — Was not notified of investigation status or results
Company: National Consumer Telecom & Utilities Exchange, Inc. (IL)

NCTUE stated : " XXXX XXXX XXXX has advised the NCTUE that the accounts have been updated within their internal systems to reflect a zero balance and XXXX XXXX XXXX sent an update to the credit bureaus XX/XX/2021. It can take up to 120 days for the update. The NCTUE has agreed to review the consumers data report periodically to verify the updates have been made. '' XXXX XXXX XXXX zeroing out fraudulent accounts has nothing to do with me. The three XXXX XXXX XXXX accounts # XXXX XXXX, XXXX, and XXXX never belonged to me and should have never been placed in my name since XXXX XXXX XXXX was never able explain why these accounts were placed in my name. 

Further, the issue I have with XXXX XXXX XXXX is currently in arbitration. If XXXX XXXX XXXX can not state with specificity why it maintains that I am responsible for the three accounts by continuing to report same, why is it fair for NCTUE to continue to collaborate with XXXX XXXX XXXX to deceive a consumer and NCTUE not follow its own dispute protocol.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-04-05
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. (GA)

Hello ; and how are you doing on today. My ongoing complaint is, that on numerous occasions. I have been denied credit and i sent in the denial letter, from the creditor, that denied me, to Equifax and on each occasion, i have not received my credit report in the mail.I have tried to retrieve, my credit report online, on their web-site and the problem insist. I called their telephone number, and i was promised, that i would receive my credit report in the mail ; and as of Today. I still haven't received my credit report. This has been an ongoing problem, with Me and Equifax, in pertain with my credit report. Something, has to be done. I am also writing my State Leaders in regards to this matter. Thanks
Consumer complaint received 2018-04-05
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. (MA)

I own a small incorporated business XXXX XXXX XXXX XXXX ( state of MA ) and the credit reporting bureaus Equifax XXXX XXXX XXXX are reporting my business as being under a parent company XXXX XXXX XXXX  XXXX ( state of MA ) which is a totally separate business and entity - I cant set up accounts under my own company due to another company being listed as the parent company. I have a copy of Equifax credit report showing this.
Consumer complaint received 2022-08-05
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: EQUIFAX, INC. (NC)

I recently received a copy of my XXXX XXXX XXXX XXXX in the mail dated XX/XX/2022. After reviewing all three Credit Reports with XXXX, Equifax, & XXXX I noticed several fraudulent inquiries appearing on my credit report that I do not recognize. I have not applied for credit for quite some time. I noticed a total of XXXX inquiries that XXXX be connected to fraud. 

I did some research online on how to take care of these fraudulent inquiries, and then I saw some Credit Attorney online explaining how to fill out an FTC ID Theft Report. I submitted the FTC ID Theft Report back on XX/XX/2022. Please see the attached report for your review. These fraudulent inquiries are not mine are having a major detrimental impact on my ability to borrow.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I need the following items to be updated or repaired ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I have sent in a Identity Theft report from FTC to Experian Credit Bureau. Regarding two accounts that are reporting on my Credit file that are due to identity theft. This has been going on since 2019, and they refuse to remove these two accounts. I have requested on several attempts for them to please sent me their METHOD of how this investigation is coming back as verified? I have not received any documentation, signatures nor ID on file. I have sent in several disputes by Mail, Disputes online with the attached Identity theft reports and they refuse to further investigation and remove the accounts. I did not open these accounts and they refuse to remove these. 

from my understanding by law once I have turned in this Police/ Identity theft report, they are automatically supposed to remove those Fraudulent accounts. I am demanding that you CFPB have Experian to remove these accounts or Legal action under the FCRA act will be taken in place and I will have my legal counsel to begin the process of suing Experian.