davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-11
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. (TX)

Experian on several ocassions knowingly reported inaccurate and false information on my Experian credit report..On XX/XX/2021. Experian responded to the XXXX the XXXX XXXX Bank account XXXX is not being reported on my Experian credit report. However on XXXX 2021 i receiced a copy of my Experian Credit report file # XXXX that reported this illegal information on my credit file. ( see enclosed CFPB complaint and the Experian Credit report. This a clear violation of the FCRA 611 A ( 1 ) A Re investigation of Disputed.
Consumer complaint received 2020-11-25
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: CITIBANK, N.A. (FL)

On XXXX XXXX, 2019, XXXX add a hard inquiriy on my credit report per XXXX. 
On XXXX XXXX, 2019, CITIBANK NA/THD add a hard inquiriy on my credit report per XXXX. No contact information has been reported by this creditor. 
On XXXX XXXX, 2019, CITIBANK NA., BEST B add a hard inquiriy on my credit report per XXXX  XXXX No contact information has been reported by this creditor.
Consumer complaint received 2018-02-06
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. (MD)

XXXX XXXX XXXX  is incorrectly reporting a 30 day past due on all of my credit reports for XX/XX/2016. After disputing the report with the credit bureaus it came back as " being verified '' by XXXX XXXX XXXX. My payments were due on the XXXX of each month. A payment was made on XX/XX/2016 which is 21 days past due not 30 days past due as being reported for XX/XX/2016. Also this account has been paid in full.
Consumer complaint received 2018-02-06
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. (GA)

I initiated an request for removal of a {$5400.00} federal tax lien on my Transunion credit file on XX/XX/2018. The federal tax lien was satisfied, released and withdrawn by the IRS. The IRS filed form XXXX Withdrawal of Filed Notice of Federal Tax Lien After Release with Clerk of Superior Court of XXXX XXXX XXXX XX/XX/2018. 
Transunion responded on XX/XX/2018 that it was being reported accurately. 
I verified with the Clerk of XXXX XXXX that this federal tax lien has been withdrawn and it is no longer reportable. 
Transunion did not properly contact the Clerk of XXXX XXXX to verify this lien.
Consumer complaint received 2021-11-08
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MS)

I have contacted this company about updating and removing the inaccurate information that shows two Nissan accounts on my report. One account is paid off and never late, and in good standing. They other account shows that it is charged off and is reporting negatively on my report. This information is inaccurate and unverified and violates 12 CFR PART 1022 REGULATION V.
Consumer complaint received 2018-02-06
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: Experian Information Solutions Inc. (VA)

Requested from the credit agencies to verify the validity of the below account currently reporting as a collection. I have contacted the company directly by mail and by phone and was told they will not provide any other proof. The requested help again from the agencies I'm disputing their practices with and they will not allow another dispute stating they verified it and yet I never received any correspondence. 

I attempted to contact the company directly again and was told they will not accept any payments or anything on the debt. I tried so they would remove from my report I offered to pay to delete and was told it was not their problem. I explained under the Fair credit reporting act and the FTC their reporting is not being handled correctly or morally. I was hung up on and do not receive any validation on this debt. 
I am requiring the agencies reporting to remove this account from my reports and to process with regulations on how to fairly report. 

Account to remove XXXX XXXX XXXX Account Number XXXX Account Type Credit card Date Opened XX/XX/XXXX Status Account charged off. {$420.00} written off. {$380.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$380.00} Credit Limit {$300.00}
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX is reporting that I have {$21000.00} in unpaid student loans on my credit report, and this information is not accurate. I have asked XXXX XXXX to correct this for months, and gone through multiple disputes with the credit bureaus, still to no avail. XXXX XXXX simply remains negligent by continuing to allow these accounts to report balances, which is a complete falsehood. The problem started back in 2018. My loans were in good standing, and I was making regular on-time payments every month. Then, out of the blue, XXXX XXXX contacted me and said that I no longer had any balances due, and they would no longer would accept payments from me. Shortly thereafter, these loans started reporting as collection accounts with unpaid balances. Since this time, I've been trying to get XXXX XXXX to correct their reporting error, but they continue to neglect their obligation. To help with your investigation, I am including correspondence from XXXX XXXX, where they openly admit that I no longer have any balances owed to them for these student loans. However, they still haven't properly updated the accounts.
Consumer complaint received 2020-07-24
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: TRUIST FINANCIAL CORPORATION (TX)

We submitted the forbearance application on XX/XX/2020 because I became unemployed for a period of time due to COVID 19. We received a package back from Sun Trust with documents to sign and return. We did not return the documents because we were under the impression that if we signed the documents, our loan would be placed in forbearance and we had decided that it would not be necessary for us to place our loan in forbearance. 
We attempted to call the loss mitigation department of SunTrust Mortgage several times between XX/XX/2020 XX/XX/2020. We were sent a letter that had the name and contact information for our home preservation specialist within SunTrust. I was placed on hold for up to 8 hours a day, several days in a row and when I finally got through to the client representatives voicemail, it was full and my call was disconnected. 
We emailed XXXX XXXX on XX/XX/2020, stating that we had attempted to contact him via telephone numerous times but had not been able to get through. We stated in this email that we did not want to be in the forbearance program. We also stated that we had mailed in our payment for XXXX but it still not yet been processed. Our online access to pay our mortgage was no longer available and we were directed to call the loss mitigation department. 
We spoke with a lady in XXXX that stated our online access would be restored in 2 days and that every single loan that SunTrust had was placed in forbearance. We were assured that no late charges or penalties would apply to our loan during this time. 
We spoke with another customer service representative on XX/XX/XXXX and were once again reassured there were no late fees or penalties and that we were still in forbearance. We made the XXXX and XXXX loan payments via phone at this time. We again stated we would like to be out of forbearance and were told it could take weeks and someone would contact us. 
We then started the refinance process and were informed that SunTrust had reported a delinquent payment to the credit bureau and my credit score decreased 100+ points. I am currently not eligible to refinance and take advantage of the current rates because of the misinformation and lack of communication on behalf of SunTrust. We were told by XXXX XXXX with Sun Trust on XX/XX/XXXX that they had to pull in people from other departments to handle the volume of calls they were receiving and that their employees could have given us wrong information. 
We contacted Sun Trusts credit department and they have told us it will be 30 days to investigate the issue. We are requesting the delinquent report be absolved and the credit score to be restored so that we may move forward with the refinancing of our home.
Consumer complaint received 2021-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX has violated all of my federally protected consumer credit rights. They closed my credit card account fraudulently, and without warning, or explanation. They fraudulently pulled my credit reports without my consent. I have been denied credit cards, and loans, due to them closing my account, and fraudulently putting inaccurate credit information on my credit reports. Pursuant to 15 USC 1692d, XXXX XXXX XXXX has tarnished and abused my reputation with their fraudulent consumer reporting tactics. 

On XX/XX/2021 I sent them my Invoice for violations, Cease and Desist, Affidavit of Truth, and Exhibits via certified mail. They are attached in this complaint. 

I am currently waiting for their response/resolution.
Consumer complaint received 2018-02-07
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: COAST PROFESSIONAL INC (NC)

The Coast Professional has been garnishing my wadges since XX/XX/XXXX without any prior notice. I was enrolled in a Rehabilitation program in XX/XX/XXXX. Said program required 5 payments paid consecutively and on time. I was told by my representative XXXX that afer all paper work was recived I would be enrolled and The garnishments would stop XX/XX/XXXX. In XX/XX/XXXX I recieved a letter stating that my loan was in default. Upon calling the company I was told that I was never enrolled in the program I was just prequalified. I explained that wasnt so because I had doucumentation verifing my enrollment, and told them that payments had been drafted on time monthly since XX/XX/XXXX in addition to bi weekly garnishments since XX/XX/XXXX. I have spoken to XXXX, XXXX, XXXX, and XXXX XXXX XXXX first names, they will not give me last names or direct lines ) all four employees have given me diffrent information and forms needed. and refuse to stop the garnishment as previously stated.
Consumer complaint received 2020-11-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AL)

Being over charged Requested copies of payment history from start up to present ; request has not been met Several payments have been made however monthly payment statement, reflects those payments have not been applied Forbearance was approved for suspended payments ( due to COVID ). I was told these payments would be put at the rear of the loan. However, each month actually accumulated. When I called to inquire I was given a totally different story ; their word against mine and all late payments had to be caught up at one time. Therefore I request the forbearance request be cancelled. There was never a cancellation letter provided or a status on this request. The loan is now current however this issue was never resolved. 
At the direction of my insurance agent, I requested to stop my escrow payment and explained I would pay through the insurance company direct. I have made the request as well as my agent more than once. Agent even informed payment arrangements have been made to automatically withdraw payments each month. Wells Fargo will not honor this request I have been assigned several agents that have consistently fail to provide explanations for their handling.
Consumer complaint received 2023-04-03
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. (SC)

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 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 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 2021-11-08
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (MD)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on SANTANDER. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2020-01-23
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. (FL)

This situation is very stressful. I've call the credit bureaus and they advised me to make a report using this site. 
someone stolen my personal Information. I went to the police Station and I was told to call all Credit all Major Credit bureau to file an complaint which i did. this situation is getting out of hand. all I ask is to have this account cleared up this account is fraud. 
thanks for your time.
Consumer complaint received 2018-02-06
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: Resurgent Capital Services L.P. (FL)

On XX/XX/XXXX, I sent a debt validation letter to XXXX XXXX XXXX requesting that they provide me with specific proof showing that I was responsible for the debt that they are reporting on my credit file. I was very specific in requesting that they provide me with a signed contract by me or verifiable proof that I agreed to pay their company and that I agreed to do business with their company. What I received in return, dated XX/XX/XXXX was an account summary that did not include my written consent to do business with this company. I then submitted a notice to XXXX, requesting that they provide me with the documents included in their file that prove validity of this account, what I received from them was an updated credit report showing this account updated and not deleted.I did not receive from either of these companies any signed documents. I believe that both XXXX XXXX and XXXX are violating my rights under the FCRA by reporting unverifiable information on my credit file. 
I am asking that you assist me in getting a resolution to this unfair credit reporting tactic. Reporting unverifiable accounts is ruining my credit worthiness. 
The account information that I have received from my credit report is : Account # XXXX Original Creditor XXXX/XXXX  for XXXX and Account # XXXX Original Creditor XXXX XXXX XXXX XXXX balance XXXX.
Consumer complaint received 2021-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (OH)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2018-02-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc. (AL)

In XX/XX/XXXX, I purchased a used XXXX XXXX XXXX, VIN # XXXX from XXXX of XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. The amount financed was {$37000.00} on today during routine maintenance damage was found to the front of the end of the vehicle from a mass car accident. I was provided a XXXX report that indicated the car was a significant incident. At inquiried at the time of purchase for the XXXX and never was granted one. This is a total rip-off, had I know about this issue I would never purchase this vehicle. Both the Finance Company and dealership are at fault.
Consumer complaint received 2020-01-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service (MI)

Payments to the XXXX XXXX has been continously made since the account has been opened. The full amount for each month/billing cycle was not made but at minimum half the amount was received. The XXXX XXXX wrote off my account and sent the account to a collection agency XXXX XXXX XXXX - XXXX. The XXXX XXXX is still receiving payments for this account. The wrong amount has been transferred to XXXX XXXX. They are both trying to collect on the same account with different amounts. I received no notice of the transfer of debt. Only my monthly billing statement from the XXXX XXXX whom send confirmation of payment being received.
Consumer complaint received 2022-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

This complaint is really about an internet online company called XXXXThis company actually takes advantage of the credit card and the consumer of that credit card.On XX/XX/2022 I placed an online purchase with XXXX in the amount of XXXX dollars, the company took the money from the credit card.On XX/XX/2022 I received an email from XXXX that the account with the order number XXXX has been posted as being paid/success.Ten days later I attempted to get a tracking number and an email confirmation of sale, along with an possible delivery date.This webpage had the TRUSTWORTHY EMBLEM ON THE CHECKOUT PAGE green in color upon giving the credit card information.This made myself think this was a credible and honest webpage site to do business.Informed my bank credit card company and I started a dispute.The bank advised that an investigation of the transaction and XXXX would be started, and that I would be reimbursed upon finding.The credit card bank stated that the XXXX dollars went to another source called XXXXI contacted the company via email XXXX  and they stated no record of transaction with myself XXXX no order number XXXX was on record.I have to this day beingXXXX to get in contact with this company.It appears if this company XXXX has gone to a ghost upon receiving online internet credit card money.I ordered a pair of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXXThis company XXXX is all over the internet scamming, stealing, misleading and getting away with this.The company will probaly change the site picture on the internet for online purchases and go to another name source.This XXXX fraudulent internet practice needs to be held accountable for its practice of unfair business practices, the company is now all over the internet when buying this line of sneaker.This is much bigger than the XXXX dollars it took from my credit card.This is an overt cyber attack on the credit monetary system in america.Something of this nature commands the attention of elected officials before the wolf is in the oval office.Online scamming is a multi billion dollar business coming out of america.I would like to have my shoes, however we need brand new legislation to kill these online internet companies that are attacking the populus of the american folk.
Consumer complaint received 2021-11-08
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: Bread Financial Holdings, Inc. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I, consumer, entered into a consumer credit transaction with, XXXX XXXX and XXXX bank. A consumer transaction in which a finance charge was involved. 15 USC 1681 ( A ) ( 4 ) under FCRA means the consumer has rights to privacy. in which XXXX XXXX and XXXX Bank failed to provide protection of my rights. Inclusive towards that. The Corporations failed to verify and respond to my accounts over 45 days which also violate my rights of reporting accuracy. I have sent in certified mail which I have receipts from that have yet to be verified also. Companies need to block and delete accounts from credit reports.