davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-22
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: AES/PHEAA (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate.
Consumer complaint received 2018-07-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On ( XX/XX/2018 ) XXXX of this year a request was made for the ( transunion ) credit reporting agencies regarding my credit file report to the credit reporting agency Transunion. ( FCRA ) Section 609 ( c ) ( 2 ) ( E ), a consumer reporting agencies is not required to remove accurate derogatory information from a consumer file, unless the information is outdated under section 605 or can not be verified. I challenge the credit reporting agencies to verify the negative credit event in the credit report by producing a copy of the " original creditors documentation '', not the veracity, but the bureau abilities to verify their veracity. I used section 609 of the ( Fair Credit Reporting Act ) law to demand the veracity of their credit reportingof my credit reporting file, and If they couldn't verify the data they have no right to continue to maintain it on their credit reports.
Consumer complaint received 2018-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (KS)

XXXX XXXX XXXX notified me in XXXX of an a bill for terminating my cable contract. I paid the full amount directly to XXXX XXXX XXXX. The company below reported the item in collections. When I disputed the items off my credit report. The company reports that this account open, which is incorrect. The full amount was paid in XXXX. The remarks state this account was settle for less than the full amount, which is false. I am contacting XXXX XXXX XXXX, with whom I currently have cell service for my companies that I own to get a statement showing this was paid in full. Regardless of anything, Franklin Collection Service has reported false information stating this account was open when it was not for about 4 years, which impacts my credit score.. Once this response comes back, I will find an attorney to review and determine what action should be taken. I also am watching this account because I do not want it to be illegally re-aged on my credit report .This company also appears to have been involved in multiple lawsuits. I will speak with my Senator 's office on Monday. There needs to be more done to companies like the one below. 

FRANKLIN COLL SVC # XXXX XXXX XXXX XXXX XXXX XXXX , MS XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$0.00} Date Updated : XX/XX/XXXX Last Payment Made : XX/XX/XXXX Original Amount : {$380.00} Original Creditor : XXXX ( Utilities ) Pay Status : >Account Paid in Full ; was a Collection< Date Closed : XX/XX/XXXX Date Paid : XX/XX/XXXX Remarks : ACCT INFO DISPUTED BY CONSUMR ; >SETTLED-LESS THAN FULL BLNC< ; >PAID COLLECTION<
Consumer complaint received 2020-10-26
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Capital One sold this account to a collection agency XXXX in XXXX of 2020. I have been paying automatically to the the collection agency XXXX every since XXXX of 2020 on this account however, Capital One meanwhile continues to report derogatory information each month from the date the account was sold to XXXX XXXX I have disputed this Information with XXXX  four different times and have received the same results back from Capital One. XXXX  has advised me to contact cfpd. I will include supporting documents in reference to this account as well.
Consumer complaint received 2023-01-11
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. (CO)

I am XXXX and I am writing this on my own behalf. After reviewing the credit report/file, I noticed inaccurate, false and fraudulent information being reported. 

XXXX, XXXX, and Transunion are all reporting inaccurate information regarding fraudulent accounts. The XXXX and XXXX XXXX account delinquencies are inaccurate across all credit reporting agencies and have discrepancies across their reports. Not only are the delinquencies reporting different values but they are also reporting on a fraudulent account. 

This information is to be removed completely from the credit report. The derogatory marks and the whole account as it is causing me harm and is tarnishing my reputation.
Consumer complaint received 2020-10-26
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. (FL)

I have filed several reports including contacting other regulators such as SEC, XXXX, FBI, State ATTY 's etc.. to get fair reporting treatment in which has been denied, accounts show closed but have missed payments, accounts discharge show charged off, and also comments that are not valid, alerts that have no contractual reason to be there, third-party accounts that have no contract or obligation to contract with. this is all violation to FCRA I have disputed my whole record nothing is valid. I don't live at previous addresses, some have never lived reported on file. Only address should be on my report is XXXX XXXX XXXX XXXX XXXX, FL XXXX I certify that this address is correct an only address to be used for mailing purposes or domicile I have provided below insurance policy to assist in identity
Consumer complaint received 2018-07-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (TX)

REFERENCE " cfpb '' CASE NUMBER : XXXX cfpb, I appreciate your follow-up regarding the referenced complaint and the dead line to receive feedback. Please note, on XX/XX/2018 ; I submitted feedback to the company 's response to Consumer Financial Protection Bureau ( cfpb ) ; along with copies to Specialized Loan Servicing ( SLS ) ; Federal Trade Commission ( FTC  ) ; XXXX XXXX XXXX ; XXXX ; XXXX ; XXXX Consumer Disputes ; and XXXX XXXX XXXX XXXX.

Per United States Postal Service delivery tracking numbers and confirmation of received response/documentation ; receipt of my response.
Consumer complaint received 2018-07-21
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: PREFERRED CREDIT INC (GA)

On XX/XX/2018 XXXX XXXX XXXX XXXX, placed inquires on my credit file, and illegally retrieved my credit file. 

On this same day my wife, applied for credit with this company when she purchased a XXXX Vacuum Cleaner. I was not present, I was working that day. My wife did not consent to pulling my credit file. She has this account solely in her name, and has a signed contract with her name and signature on it. My speculation is they preferred for me to be listed on the account with her, but that is not legal. I never desired to do any business with this company.
Consumer complaint received 2018-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (TX)

Made ATM deposit at CompassBank in XXXX, TX with 2 checks. ATM didn't give recpt and no record of dep on XX/XX/2018. I called custmr serv and put in dispute XX/XX/18.Went to bank XX/XX/2018, they found checks ( XXXX and XXXX ) said unable to give credit research with XXXX XXXX and takes up to  10days. I informed branch manager my landlord charging late fees and possible eviction. He said show them a copy of research request. Didn't write letter. Landlord req letter to offset fees which totaled over {$200.00}. I called customr serv again for letter XX/XX/18, they said will send lettr in mail and go to branch to hav faxed copy. Again, go to branch in XXXX, TX XX/XX/18 they said non letter was there from customer service. While at branch I called custmr servc spoke to suprv, she said would hav fax sent to branch in 3 hours. I go back still no letter after 3 hrs, called cust service and again I spoke to another supervisr, extremely frustrated due to agent said he was told by anothr suprv they WOULD NOT send a letter because the day before they refunded checks. I asked to spk to that supvr, he got on phone and identified himself as XXXX XXXX and yes I was not going to get the letter and the prev supervisor had given wrong information. Said to hav branch call and ask for Dept One.  Branch employees looked surprised he was giving this info. While I was speaking to branch, XXXX XXXX hangs up the phone. While I understand there is a process, I should not be penalized for deposit not showing up, causing possible bad credit with my landlord and fees. XXXX XXXX is a poor example of a CUSTOMER SERVICE supervisor. Poor skills almost " defamation of character '' in regards to talking about previous supervisor. Also against the company that he works for. When I told him I would file complaint he said " you should ''. The original request for letter was XX/XX/2018. Told XX/XX/18 they would give a letter and at that time checks were still not credited.
Consumer complaint received 2020-06-01
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. (AR)

My identity has been compromised. I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$520.00} XXXX XXXX   XXXX {$340.00} XXXX XXXX XXXX {$550.00} US DEPT ED XXXX {$4800.00}
Consumer complaint received 2023-01-11
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: SIERRA PACIFIC MORTGAGE (MD)

XXXX XXXX at Sierra Pacific Mortgage XXXX promised a {$5000.00} sellers concession then left it off the closing document. I had to ask for it then she added it back. Then I realized the tried to charge me XXXX XXXX in XXXX XXXX XXXX when I am a 100 % XXXX XXXX XXXX. I had given them documentation ahead of time and reminded them of this multiple time. After they fixed the XXXX  funding fees I noticed that the Origination fee went up from 1.044 % to 1.097 %. I confronted them that XXXX loans can not be charged more than 1 % in Origination fees before they lowered it. Finally they are double charging me two months of insurance on the home for a total of XXXX prepaid months as well as charging me 10 months of property taxes in advance when they know I will be exempt from property taxes in Maryland due to my 100 % XXXX XXXX XXXX XXXX XXXX. I fought with them about prepaying so many months in taxes and they would not budge saying I would get reimbursed. XXXX has been a nightmare to work with.
Consumer complaint received 2021-05-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC (IN)

I opened a Gemini account of XX/XX/11 depositing {$1000.00} into my wallet. The problem is that I have not been verified. I have sent the company 3-4 emails regarding my verification but have only gotten automated responses. 
After review of various forms some people have not been verified for months/years. After submitting a request to the CFPB they were verified same day.
Consumer complaint received 2020-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MI)

I just received an alert on my credit report ( XXXX, XXXX and XXXX ) that this company is being reported TWICE. I have never contacted or paid this company and I have never done business with them and they have no right to be reporting on my consumer reports. This is causing an unwanted negative effect on my reports! I have proof that I DO NOT OWE THIS COMPANY ANY MONEY. nor been in contact with or have any contracts with this company at all!
Consumer complaint received 2020-10-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lending Club Corp (FL)

I have had this loan for over five ( 5 ) years and have consistently made my payment of {$690.00} on time. Due to COVID 19 i was laid off from my jod since XXXX and have not received any unemployment insurance payments though i applied. The Lending clum put me on a payment plan where i was paying {$130.00} each month. i have been paying it. The XXXX payment they said was made one ( 1 ) day over the grace period hence i miust pay the full payment. I can not make the full payment and i told them that. I asked for a supervisor and was told one would call and no one has called except customer service asking for money and threatening to report negative to credit bureau.
Consumer complaint received 2018-04-02
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. (FL)

Ive noticed a few changes to my credit report where some inaccurate erroneous information was removed and I totally appreciate it but I listed these accounts along with the last dispute and I dont know why they werent removed. The information that I am providing to use is factual information and it isnt an account Ive ever opened or had to my knowledge. This is an internal dispute and I have record on the dispute, phone calls, certified letters and more for court when the time arrives. I am XXXX that I have to continue going through a dispute process because your company is placing errors and inaccurate information on my credit for no apparent reasons and it isnt fair to me at all. Please look in the attachment area to see the letter I attached. Please read carefully and this is my final warning letter to remove the erroneous information off my credit report within 48 hours and no longer.
Consumer complaint received 2017-12-10
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. (PA)

XXXX XXXX XXXX XXXX loans was transferred to another company. all were transferred and there should be no late payments the loans were all deferred so there should be no negative impact as showing on my credit report. 

I need from Experian proof from XXXX XXXX XXXX XXXX that this loan was late and how considering the loan was in deferment the whole time of the loan. So there are errors on Experian reporting of this loan
Consumer complaint received 2020-10-26
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. (MI)

In XX/XX/XXXX of 2020, XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ( XXXX ) XXXX, ran my credit report three times. I only authorized one. After the first credit report was processed, they failed to ask me if they could run the report for different lenders. I feel that this is a violation of my rights. Since I did not authorize the other two inquiries, I would like two of the inquiries taken off of my credit report. In addition and more importantly, I feel that XXXX XXXX XXXX should be held accountable for failure to request my authorization. 

The banks that processed my credit were : XXXX XXXX  ( XXXX. XXXX  XXXX XXXX, UT XXXX ( XXXX ) ; XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ; and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX. 

Please advise on my rights in this matter. Thank you. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-07-22
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. (NV)

My name is XXXX XXXX and i reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I noticed on my credit report address in XXXX. I never lived in XXXX just XXXX and XXXX XXXX XXXX. Please delete any and all XXXX addresses from my credit file.
Consumer complaint received 2018-04-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (GA)

National Credit Systems is committing fraudulent practices. This collection Agency has reported to the Credit Bureaus that I owe 2 times more than what was agreed upon. I have disputed this debt with National Credit Systems 2 times, back in XX/XX/XXXX and again in XX/XX/XXXX. Their responses has been a copy of a lease and an itemization list showing fraudulent charges from the apartment complex I was previous with. Not only I have solid proof that the fraudulent charges were added after I have left the apartment complex. But I can prove that the apartment complex gave them the information that lead up to these charges. In addition : 1 ) National Credit Systems are in direct violation of 15 U.S.C. Section 1692 ( g ) ; Sections 808 part 1 and 809 ( b ) of the FDCPA. 

2 ) I do not have a contractual agreement with National Credit Systems.
Consumer complaint received 2021-05-01
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: Consolidated Information Services Solutions, LLC (AL)

There are several inquiries on my report that either I do not recognize or may have pulled my credit without my permission. I would like these inquiries removed from my report especially since I do not affiliate with most of them in any way. 

These companies include : XXXX  XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Telephone Companies Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CarMax, Inc. (FL)

I have been Paying Carmax on an auto finance loan for over a year and they are not reporting to the Credit Bureaus to report positive payment history. They are not reporting to the credit bureaus at all for this account. I have reached out multiple times to fix this report but they have not resolved this.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to XXXX XXXX.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Reporting agency reporting information from an organization ( XXXX XXXX XXXX XXXX ) that I have no legal or contractual obligation with. Falsely reporting without consent of consumer. Organization not licensed to report in Georgia.
Consumer complaint received 2019-11-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alliance One, Inc. (NC)

Shortly after XX/XX/2019 I received a collections letter from Alliance One Receivables Management , Inc. of XXXX, PA. They are attempting to collect {$680.00} without verifying the account, without my rights to dispute or validate the collection or by providing a permit number that says they are legally allowed to collect in the state of NC where I reside. 

I have looked this company up on the XXXX XXXX XXXX XXXX XXXX of NC and did not see a permit number or any information that says they are allowed to collect this debt from me. 


Thank you. 

XXXX XXXX