davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MO)

I have been disputing XXXX and the Department of education. Listed on my consumer profile. The Accounts are all reportintg the same account numbers. 

There are multiple accounts with the department of education and Navient showing the same account number and reflecting different information. 

some accounts are saying paid and closed with late payments. I was not late on any payments. 

I want would like these accounts removed because it is harming me. And not accuractly showing my credit worthiness. I would like to buy a house in my future. 

I have tried contacting and disputing these accounts and they ignore me. I have tried calling and and both compaines point the finger at each other. Lately i just have been ignored. 

XXXX shows 4 accounts with the account number : XXXX showing two accounts for the same date of XX/XX/XXXX paid & closed with same orignal balance of XXXX, the second & third account for navient states they were opend on XX/XX/XXXX paid and closed with a orignal blance of XXXX, and the second one stating a orignal balance of XXXX. 

In addition i have the the Department of education showing the same account number as XXXX : XXXX with two accounts saying they were opened on XX/XX/XXXX paid and closed with orignal balance of XXXX and the second one showing a balance of XXXX claiming they recieved late payments which is false. 

Then there is a third account with the Departmet of education showing account number : XXXX saying it was opened XX/XX/XXXX and has a balance of XXXX. In good standing and no late payments. 

These compaines have violated the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) They never sent me any proof of debt validated or contractual agreemnet between there company and I. I aslo requested for names and addresses of every person who they spoke with about these accounts. I never recieved any information. 

In addition they violated the 15 U.S.C. 1681b - Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report Im tired of being ignored.
Consumer complaint received 2021-05-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

As you can see I have disputed the same two accounts : XXXX # XXXX and XXXX # XXXX. I disputed previously that this account is reporting inaccurate information. The are reporting never late and bankruptcy for the status but its reporting multiple dates late from 30, 60 and 120 days. As this account shows that I paid it off XX/XX/2021. Which is inaccurate since an account in bankruptcy would not be paid to a creditor 7 years later in bankruptcy. I never paid anything which again I disputed with Experian. 
With the XXXX account I have disputed the reporting of inaccurate information as well with incorrect dates and status. 

I received an update from Experian today which they state " items unrelated to your dispute has been updated '' When I review the updated documents compared to the before and after there is no change or " update " which Experian states. 

Once again Experian continues to not actually investigate these disputes and goes as far as stating that they updated accounts when they haven't.
Consumer complaint received 2024-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : 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 2021-05-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (VA)

Credit Collection Services representing the original Creditor XXXX has contacted me stating that they have taken over XXXX XXXX XXXX. XXXX was not able to verify this account. CCS was sent a letter of verification on the XX/XX/XXXX after CCS had sent me a notice of debt on XX/XX/XXXX. CCS could not verify this debt as mine. CCS sent me a Insurance claim form which i will enclose with my complaint along with other documentation. CCS sent me a letter stating they will be reporting to the credit bureaus on the XX/XX/XXXX. On XX/XX/XXXX CCS was successful in adding this unverify account to my credit report which has damage my score.
Consumer complaint received 2021-04-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (FL)

On XXXX XXXX, 2021, CAVALRY PORTFOLIO SERVIC add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
Consumer complaint received 2023-03-02
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 — Problem with personal statement of dispute
Company: LEXISNEXIS (FL)

XXXX cfpb closed report immediately as SOP AND JUST mailed a letter. This standard operating procedure of do nothing is a Hallmark of what is in my opinion a corrupt organization, fraudulent and a lie. The facts confirm this opinion time after time. I wrote to edify those who actually believe this is a organization with integrity and character when by fact they have proven over hundreds of complaints to be a sham. They know this as truth but frankly don't give a XXXX! Above us all.
Consumer complaint received 2022-10-12
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)

THERE IS 14 INQUIRIES THAT I HAVE NO IDEA WHERE OR WHY THEY ARE THERE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-02-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (FL)

Opened business checking and savings account on XXXX and got an alert on Mobile banking to call due to suspicious activity after calling customer service, was told back in XXXX chase decided I can nolonger open any accounts with them. I have credit card with them that I've had no issues on. If I can get a credit card why can't I get a business checking or savings account.
Consumer complaint received 2020-07-23
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: Experian Information Solutions Inc. (TX)

XXXX  XXXX  XXXX  use  
XXXX
XXXX  XXXX  
XXXX
XXXX  XXXX  XXXX  XXXX
XXXX  XXXX/XXXX
XXXX  XXXX  XXXX  XXXX

not  mine 
and address not mine 

XXXX  XXXX  
XXXX  XXXX  XXXX  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 2020-07-23
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. (IL)

THESE ACCOUNTS ARE STILL REPORTING INACCURATELY ON MY CREDIT REPORT WHICH IS A FCRA VIOLATION. PLEASE CONDUCT PROPER INVESTIGATION AND REMOVE THESE INACCURATE ACCOUNTS IMMEDIATELY. THANK YOU I HAVE ALSO SENT IN PROOF TO SUPPORT MY CLAIM AND HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS.
Consumer complaint received 2021-05-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (VA)

Were being communicated by a debt collector, Convergent Outsourcing , Inc, that we owe money for an XXXXXXXX XXXX that was purchased with stolen information of my identity. The purchase was made in XXXX of XXXX using a fake email address and a deposit placed on a credit card with the last four digits of a card that does not belong to me. The XXXX was apparently leased through a company named XXXX XXXX, XXXX, which we have no clue where this company is located at. Ive had the same XXXX, since XXXX and Im on a plan with my son through XXXX XXXX XXXX. Ive never needed a new phone. 

We have filed a claim with the local police department regarding this identity theft & financial crime. I have communicated to the debt collector that this was due to identity theft by using steps provided by the FTC website to ensure that they stop any collection activity and stop and credit reporting based on these events. However, they consider this debts valid but on what ground? The fact they have have my stolen info and a fake email and a credit card with no ties to my name for a deposit?
Consumer complaint received 2021-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I disputed a purchase in the amount of {$250.00} for services/merchandise I did not receive. Without investigating my dispute, Capital One closed my dispute, claiming I did not supply requested information. Capital One never sent me any request for information, nor did Capital One state what requested information was required. Capital One is engaged in a policy and practice of ignoring disputes in violation of federal law.
Consumer complaint received 2021-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (FL)

We have had a Fidelity Visa Signature Card for several years. The card is now serviced by XXXX. We received a credit card bill stating the Payment Due Date is Sunday, XX/XX/21. We made an online payment on Saturday, XX/XX/21. On Monday, XX/XX/21, the site said we hadnt paid the bill. We will get a late notice. We called to complain. The customer service person said they dont apply payments over the weekend and it would probably be credited on Tuesday, XX/XX/21 and we will probably get a late charge. Imagine requiring payment by Sunday but not recording payments made the date before! This is a scam to increase late payment penalties. This wont happen to us again because we cut up our credit cards and sent them back to Fidelity. Perhaps Fidelity will notice when I move accounts worth 7 figures to XXXX XXXX ... Then again, probably not.
Consumer complaint received 2020-07-23
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (WI)

I signed up for the Home Depot credit card because there was an offer of {$100.00} off on purchases if you did so. The amount may have varied by how much you spent, but in my case it was {$100.00}. I tried to sign up online 3 times and it didn't work. I finally had to call and spend over 1/2 hour on the phone to get this deal setup. The person assured me that I would be the {$100.00} off. I was suspect because it didn't seem like he really understood, but I proceeded. 

I made my purchase online and went through the checkout process. I didn't get my {$100.00} off. I wrote 2 or 3 letters to get my money and finally I rec 'd a credit on my bill, which I had already paid. I sent another letter requesting the money be sent to me, and all I got was a letter back that said call to provide additional information. I am not in position to call any longer, so I sent another letter back saying that they had all the information they needed, but that if they would tell me what else they needed, I would supply it. I just rec 'd the same letter back from them saying, " Call to provide additonal information. '' I just want my {$100.00} back. I even tried to use the card to use up the credit, but that doesn't work now either. They must have froze my account or something. I would like a check sent to my address of record. 

The initial purchase occurred about XX/XX/XXXX. 
I sent them letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX trying to resolve this. 

Thank you
Consumer complaint received 2020-10-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Carvana Group, LLC (CO)

Applied at Carvana to finance a vehicle. Process started at the end of XX/XX/2020, XX/XX/2020 documents were still pending, and several vehicles had been lost. Every time a new vehicle was added ( because the processing took too long on their end ) another credit report was pulled. During two month period that equaled about 4 credit hits from Carvana. At the start of the process credit was just shy of an 800. 
I met all the requirements to be financed through the company, credit score, verifiable income, proof of address. Every document that I send ( documents from my bank, documents from the government, etc ) were rejected at the end of the two months, with no reason given.

The real issue was that they did not want to finance the vehicle because I am a retired XXXX year old XXXX female. Carvana is practicing discriminatory lending processes, they know what XXXX you are before the process starts because they have your drivers license.
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NV)

I'm having issues with Paypal Credit and Synchrony Bank, processing my payments past the deadline date, two times in a row in XX/XX/2023 and XX/XX/2023. And it looks like they're going to post it late again for XX/XX/2023. I've called in both previous instances and they reported each time that I filed a claim that the payment was received on time. 

And it's a delay on their end for processing payments. And try to blame the post office and says that it's not the same since covid. Covid has nothing to do with their failure of processing. And I have a track record of making timely payments with PayPal. 

However, I sent the payment in XXXX for a payment this month in XXXX. And it isn't showing as payment received yet. I'm done with filing claims and ask for CFPB assistance to figure out what's going on?
Consumer complaint received 2022-04-05
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CA)

LoanDepot forced place an insurance even after we have submitted evidence of our own insurance. They have still not updated our insurance after we followed up with them three times. 

Timeline : - XX/XX/XXXX Uploaded our home insurance to a portal called XXXX ( as directed by LoanDepot ) - XX/XX/XXXX Got confirmation that our insurance documents were processed and no further action is required - around XX/XX/XXXX Noticing that our insurance hasn't been updated, I called LoanDepot 's loan servicing and talked a representative named XXXX ( ID XXXX ), who assured me that all the documents needed are there and we will not be charged an extra insurance - XXXX - Noticing that there is still no movement on updating our insurance, I called LoanDepot again, this time given a confirmation number on " we put in a work order to update your insurance '', and we were assured that we will not be charged for LoanDepot 's own insurance. The confirmation number I was given was XXXX - XXXX We got an email informing us LoanDepot is placing an insurance ( {$3000.00} ) on our account. I called LoanDepot again asking why they have not updating our own insurance knowing that we have an active insurance that covers our property - After talking to 4 different customer service reps, we still were not able to update our own insurance. It is unacceptable to be taken advantage of by our mortgage service, who knowingly charges us extremely expensive insurance when we have sent our own over, and who made the process unbelievably difficult to take advantage of consumers.
Consumer complaint received 2022-01-10
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. (NC)

Despite three written requests, for deletion of three fraudulent accounts sent on XXXX, XXXX, and XXXX ; which have been identified as fraud on my consumer credit report Consumer Reporting Agencies continues to violate Federal Law.

Consumer Reporting Agencies continues to furnish inaccurate and deceptive information without my consent. Consumer Reporting Agencies are invading my consumers privacy and causing me adverse actions. Consumer Reporting Agencies has not provided copies of the original documentation required under FCRA. Consumer Reporting Agencies are noncompliant of the federal law.
Consumer complaint received 2020-07-23
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: Eastern Account Systems of Connecticut, Inc. (CT)

I have MULTIPLE fraudulent accounts opened in my name against my account! I have tried MANY times to get these charges off my credit with a response of, 'its my responsibility to pay. ' The accounts are not mine and I did not open them so I will NOT be paying someone's fraudulent charges in my name. Please get back to me ASAP to resolve all of this. Thank you.
Consumer complaint received 2018-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC (FL)

I am writing to dispute the following information in my file waypoint resource group llc # XXXX The item I have identified is inaccurate because I never had a account with XXXX XXXX and or a credit card with XXXX XXXX XXXX.
Consumer complaint received 2021-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (TX)

On XX/XX/21 I opened the Wallet app  on my smartphone to view my Apple Card balance and was given a message stating that the account was restricted and to contact Goldman Sachs customer service. I contacted them via the text support feature and was told that my account is " under review '', that the company will not tell me why the account is under review, and that the company will not give me a timeframe for this issue to be resolved. I am unable to use the card in any way and I am unable to view any information about the card. The only thing I am able to do is make a payment by calling the customer service line. I attempted to escalate the issue with customer service multiple times both within the text support feature and via a phone call to the provided support line. At all levels I was given the same response that they refuse to inform me of why my account is under review or provide a timeframe for when the review process will be completed. If there is potential fraudulent activity or a breach of my information that caused the account to be placed under review then this is something that I should have been alerted to and provided details of so that I can take the necessary steps to protect my financial wellbeing.
Consumer complaint received 2021-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BMO Bank, N.A. (IL)

This complaint is a continuation from CFPB complaint XXXX. The previous complaint was closed out by the CFPB without any verification performed that XXXX had remove the phone number XXXX XXXX XXXX XXXX from its database ( s ) related to debt collection, and phone calls in general. 

I am still receiving phone calls from XXXX XXXX on this number. The last call received from XXXX XXXX was an automated phone call on XX/XX/2021 at XXXX pm CST. 

As I stated in the original complaint, simply having a financial institution say something has been done isn't an appropriate fix. Root cause analysis has to be done for why the number is being called in the first place. Clearly, the root cause of why this number is being called has been left unaddressed.
Consumer complaint received 2020-07-23
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)

On XX/XX/2020, I gave a formal complaint of inaccurate information on my credit report. 30 days later to the date, I have not received any responses from the credit bureaus. Under federal law, they have 30 days to complete my investigation.