davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-10
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (OH)

At the end of XXXX of XXXX, I applied for a XXXX XXXX credit card in order to more easily pay off a couch purchase of around {$900.00} with no interest. 

As of a letter sent to me from Comenity Capital Bank, the issuer of all XXXX XXXX credit card accounts, on XX/XX/2021, I was denied for the following reasons ( spelling errors included ) : " High average credit limit or loan amounton revolving/real property trades or credit balance to limit ratio on revolving trades High credit limits and balances on revolving trades Low level of authentication indicative of First Party Fraud Low level of authentication indicative of ID Fraud. '' They also gave me a " Behavioral Risk Score '' of XXXX out of XXXX. 

This information was supposedly gathered from XXXX and XXXX but the bureau that was shown to me as the main source of my denial was XXXX 

I spoke with all three credit bureaus listed above the morning of Monday, XX/XX/XXXX and accessed my credit scores for all three that afternoon. From each bureau representative that I spoke to, none could find any information leading them to one of the above causes of concern outlined by Comenity. 

I called Comenity bank the morning of Monday, XX/XX/XXXX after my 3 previous calls to the credit bureaus. I was told that the decision making was up to the provided credit reports, but after stating that I had contacted all three credit bureaus and had found no evidence of the listed issues, I was told I could not escalate this any further and was told to either file a complaint through the mail to them or wait 30 days to re-apply for the credit card. 

After insisting to escalate this issue, I was incorrectly transferred to the wrong department and ended my call. 

On the morning of Tuesday, XX/XX/XXXX, I called XXXX again to re-confirm my credit report and once again go over the reasons for my denial to see what was on my report that could indicate those reasons. I was confirmed that nothing on my account matched what Comenity saw, and in addition, I was told that they had no evidence of Comenity ever accessing my credit report. 

After asking what I could do to solve this, the XXXX representative ( XXXX XXXX ) suggested I report this to the CFPB due to potential negligence on the part of Comenity Capital Bank to source my credit reports to make an accurate decision to give lines of credit.
Consumer complaint received 2021-02-23
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: Bread Financial Holdings, Inc. (AR)

XXXX  MUST RE-DELETE WAYFAIR BY COMMENITY ACCOUNT, THIS ACCOUNT WAS DELETED ONCE BEFORE AND WAS PAID IN FULL BY XXXX XXXX
Consumer complaint received 2019-05-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

i have done no business with these third party debt collectors ive requested proper debt validation in which is still not available and ive also filed reports of identity theft this is in violation of fcra policy due to improper debt validation with signed contracts or some sort of information to prove that i been provided a service from this company
Consumer complaint received 2023-01-28
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: Advanced Resolution Services Inc. (OK)

XXXX in accordance with The Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 usc 1681 section 602 a states i have the right to privacy. 15 usc 1681 section 604 a section 2 it also state 's a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-28
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. (OK)

in accordance with The Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 usc 1681 section 602 a states i have the right to privacy. 15 usc 1681 section 604 a section 2 it also state 's a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-28
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: CBC Companies, Inc. (OK)

XXXX in accordance with The Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 usc 1681 section 602 a states i have the right to privacy. 15 usc 1681 section 604 a section 2 it also state 's a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-08-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (SC)

Dovenmuehle XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX On XX/XX/2021 I called Dovenmuehle to request to end our mortgage forbearance. I was told I would receive the documents to sign within XXXX to 8 days. 

On XX/XX/2021 I called Dovenmuehle relaying that I had not received the requested paperwork. I was then told the process could to up to 4 weeks as the loan was still under review. I questioned what the review process entailed and was not provided with a satisfactory answer. 

Today XX/XX/2021 I still have not received the paperwork and was informed by the Dovenmuehle rep. that Dovenmuehle did not have the paperwork and it would be coming directly from the VA as it was still under review which contradicts the two prior phone calls. 

End goal someone send the paperwork.
Consumer complaint received 2023-01-28
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. (CA)

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. 

Account name : XXXX  XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. Or 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 XXXX 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 2021-08-10
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: EQUIFAX, INC. (NJ)

As of XXXX of 2021 I have made several attempts with the credit bureaus to remove the bankruptcy of my credit reporting profile as this is a violation and I have rights t my privacy. I know my laws and have rights to have it remove. A second letter was send out to the bureaus since XX/XX/2021 and still no response I need this DELETED ASAP.
Consumer complaint received 2021-08-10
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. (NJ)

As of XX/XX/2021 I have made several attempts with the credit bureaus to remove the bankruptcy of my credit reporting profile as this is a violation and I have rights t my privacy. I know my laws and have rights to have it remove. A second letter was send out to the bureaus since XX/XX/2021 and still no response I need this DELETED ASAP.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

On XX/XX/2024, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA.
Consumer complaint received 2023-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I was approved by the state of Florida for financial help with my mortgage for 6 months starting XXXX first XXXX. The state of Florida sent the first check in the amount of {$1100.00} to the mortgage company SELECT PORTFOLIO SERVICING, XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX, and when I called them about the payment, they told me that would take 30 days to process the payment. A this point The state of Florida has sent the payments for the months of XXXX, XXXX and XXXX and the bank has not allocated the payments in my account. they refuse to give me a straight answer about the situation. It has been frustrating trying this matter with this company. 
Any suggestion of how to handle this will be appreciated. 


sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL. XXXX. PHONE : XXXX THANKS.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-28
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. (PA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2021-04-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Continental Services Group, Inc. d/b/a ConServe (NY)

XXXX sold my loan to a debt collection agency, in the middle of a pandemic. I am unemployed and was under the assumption that student loans were being deferred for a few more months. Also, not sure how federally subsidized student loans can be sold to private debt collection agencies.
Consumer complaint received 2017-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC (CA)

Early Warning Services have failed to investigate matter accurately. These items where disputed last year and early warning failed to provide accurate proof of items upon request. Instead of providing items that pertain to the XXXX XXXX XXXX & XXXX XXXX gave a blanket reason for a matter pertaining to a business account under a tax id and not a personal account. The also deflect the matter to non working XXXX  number where no one responds to call or voicemails.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

XXXX XXXX has provided in accurate information on my credit report and which should be removed. on the month of XX/XX/2023 Theres no information process on the on my report which makes this report an accurate and needs to be removed report.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX  : {$3100.00} XXXX XXXX, XXXX. XXXX XXXX  : {$13000.00} XXXX XXXX XXXX  : {$28000.00}
Consumer complaint received 2021-08-10
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: EQUIFAX, INC. (FL)

Yesterday XX/XX/2021 I contacted Equifax via telephone to remove unauthorized inquires on my credit report. The agent refused to, which is a violation of my consumer federal protection rights. Equifax is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2. I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now. Additionally I advised the agent at Equifax that I filed a FTC complaint and faxed it over however the agent still refused.
Consumer complaint received 2021-06-21
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. (PA)

I have reached out to the bureaus several time in reference to this matter and it has yet been resolved. 

The account in question : 1. XXXX Account # XXXX XXXX {$9.00} Opened- XX/XX/XXXX XXXX. XXXX Account # XXXX Balance {$780.00} Opened- XX/XX/XXXX 3. XXXX XXXX Account # XXXX Balance {$1600.00} Opened- XX/XX/XXXX 4. XXXX XXXX Account # XXXX Balance {$2600.00} Opened- XX/XX/XXXX
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit reporXXXX XXXX XXXX XXXX XXXX  : {$3100.00} XXXX XXXX, XXXX. XXXX XXXX  : {$13000.00} XXXX XXXX XXXX  : {$28000.00}
Consumer complaint received 2023-01-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NC)

I have questions about the Wells Fargo lawsuit. What about mortgage loan borrowers that where wrongful denied loan modifications that would have otherwise prevented foreclosure? My house wasnt foreclosed only because I filed bankruptcy to save my house. I was a single parent and had no choose, I needed to keep a roof over my kids head. 

Over the years I have learned that I am not the only person who had a mortgage loan with Wells Fargo that was also denied a loan modification and chose bankruptcy to save their home.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Un-authorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Inaccurate Tradelines It says I was late or bankrupt but I can't find any proof of that.You know those cases, Sarver v. Experian Information Solutions ( 2014 ) and Adams v. National Engineering Service Corp. ( 2006 )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 

XXXXXXXX XXXX XXXX XXXX Account : XXXX XXXXXXXX XXXX XXXXXXXX Account : XXXXXXXX XXXXXXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX  Account : XXXX XXXX XXXXXXXX XXXX XXXX Account : XXXXXXXX XXXXXXXX XXXX XXXX XXXX Account : XXXX XXXXXXXX XXXX XXXX XXXX  Account : XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX REMOVE ALL IN-ACCURATE ADDRESSES ASAP XXXX XXXX XXXX XXXX XXXX XXXX, MN
Consumer complaint received 2023-01-28
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. (CA)

This is my continued endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$330.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-17
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. (FL)

XXXX of XXXX Florida is reporting inaccurate data on all three ( 3 ) credit bureaus. At the inception of my contract I purchased a vehicles that needed repair. XXXX had the company make some repairs, but the horn, spare tire, gas tank and radiator was never repaired which later led to major repairs totaling over an additional {$5000.00}. The original loan amount was {$8500.00} XXXX of XXXX Florida did an additional loan totaling XXXX therefore, giving me two loans with the company. After the last repair XXXX of XXXX Florida sent a mechanic out to evaluate the car and they told me they were going to junk the car and give me another car of equal value. I waited for the new car never received it instead I started getting calls talking about repossessing the car. I sold the car to XXXX XXXX when the car was in the shop she never received the car and it is being reported on her credit report as well. I called the headquarters and was told to speak with the XXXX XXXX office XXXX kept hanging up the phone on me and having a Sheriff office calling threatening me. The lending practices should be investigated.
Consumer complaint received 2023-01-27
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. (CA)

I disputed this back in XXXX and haven't heard back from Equifax until yesterday, I also disputed with XXXX. Equifax continues to mail XXXX XXXX XXXX, And my name is XXXX XXXX no middle initial. I was told to be exact on your name. And my name is XXXX XXXX15.US Code 1681 E ( b ). 15.US Code 1681 ( 5 ) ( a ) Accuracy. 15. US Code 1681i ( 5 ) ( B ), Reinsertion of deleted items.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (KY)

In accordance with the Fair credit Reporting Act the creditor XXXX XXXX XXXX XXXX and creditor XXXX XXXX XXXX has violated my rights. Under 15 USC 1681 section 602 states that i have the right to privacy. Under 15 USC 1681 section 604 A section 2 also states that a consumer reporting agency connot furnish an account without my written instructions. Under 15 USC 1666B states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Please remove all inaccuracies and update my credit profile
Consumer complaint received 2019-05-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (LA)

They keep reporting as a collection on my credit reports and can't provide accurate data such as correct amount owed, correct balances or the accurate age of this account, which by the way is over 7 years.
Consumer complaint received 2019-05-29
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

PRIOR TO WRONGFUL FORCLOSURE WAS WORKING WITH HUD AS REFERRING. ONCE PRIMARY BORROWER PASSED IMMEDIATE DENIAL FOR HARDSHIP & WAS FORCE TO VACATE PRIMARY HOME. THE LENDER HAS YET TO ASSIT WITH COMPLETE UNDERSTAING OF PROFIT AND LOSS. CO BORROWER MYSELF WAS AWARDED XXXX SSI SINCE XX/XX/2006. PRIOR TO INSURED BORROWER PASSING FOR WRONGFUL DEATH. LIVING ADDRESS WAS NOT A BUSINESS. INCOME WAS EXEMPT FOR BOTH