davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have talked to several people at Transunion and explained that the inquires on my report that they have not deleted per my request that this is all Fraud.
Consumer complaint received 2017-10-02
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. (OH)

According to the Fair Credit Reporting Act, Section 609 a. 1. A., you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof an original Consumer Contract with my Signature on it for any inquiry you have on file. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
Experian has not complied with any of my request I ask that my inquries that I list be verified with my signature or be deleted. 

XXXX Date of request XX/XX/XXXX XXXX XXXX XXXX  Date of request XX/XX/XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX XXXX XXXX Date of request XX/XX/XXXX XXXX/XXXX XXXX XXXX Date of request XX/XX/XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX XXXX XXXX Date of request XX/XX/XXXX XXXX Date of request XX/XX/XXXX XXXX  Date of request XX/XX/XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Account name XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX : # XXXX, AEPT OF ED/XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

the account ( letter attached ) has an inaccurate late reporting on my credit reporting agencies all three. 
i have received a letter from bank of america itself stating that this inaccuracy must be removed, please help me to have this removed from credit bureaus. 
thank you
Consumer complaint received 2020-06-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Bayview mortgage placed forced insurance on my property. After providing them with proof of insurance they sent me an email ( page 5 of the attached ) indicating they have removed it. After filing a complaint with CFPB ( XXXX ) Bayview responded by saying they needed more information from my insurance company even though previously in their email they clearly stated what they had received was sufficient. In the meantime, Bayview still have not conducted an escrow review and because of Bayview 's actions my credit score has now dropped from XXXX to XXXX.
Consumer complaint received 2020-03-23
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: LEXISNEXIS (TX)

ftc violations XXXX XXXX XXXX XXXX XXXX reporting inaccurate information XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX All FCRA violations fair and accurate reporting ITS called fair and accurate reporting cost consumer millions Higher RATES LIFE STRESS
Consumer complaint received 2017-10-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (GA)

Company sent a letter to me on XX/XX/XXXX, of an amount of XXXX. XXXX I did not sign a contract with this office I did not know who XXXX XXXX XXXX is. I sent a certified validated letter to this company they sent me back one page and none of the items that I asked for. Also at the credit bureau the amount is {$350.00} two different amount showing this is messing up my credit please help me to remove this thank you XXXX XXXX XXXX
Consumer complaint received 2020-06-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America offered to open my business account online, I accepted and opened 2 accounts, after rigorous Identity verification all information was confirmed the accounts was opened ( account number XXXX ) and charged my debit card to fund the initial deposit. Then 3 days later without any explanations the bank closed the accounts, I called the customer service and they told me that they are unable to give me any information. Now the online ID are deactivated and the accounts closed without any reason, It seem to be like a discrimination, XXXX act and misleading advertising from Bank of America.
Consumer complaint received 2020-06-23
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: EQUIFAX, INC. (NC)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX/XXXX  XXXX {$610.00} XXXX XXXX {$16000.00} XXXX  XXXX {$8900.00} XXXX XXXX XXXX  XXXX {$1400.00} XXXX XXXX   XXXX {$1300.00}
Consumer complaint received 2017-10-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

On XXXX/XXXX/XXXX spoke with XXXX in C/S dispute area of Equifax XXXX after holding over XXXX minutes XXXX XXXX day I received an email from Equifax with a confirmation number. 

Every time I tried to access on line to see my updated info I was locked out by Equifax. 

Called again a couple of days later, after about XXXX minutes of being on hold a representative answered and I was immediately disconnected from the call. 

Called back a little while later and the automated system cut me off. 

Called back today and the automated system cut me off. 

I can not access my dispute on line because I am locked out and I can not reach them on the phone because I " mysteriously '' keep getting cut off.
Consumer complaint received 2018-06-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WA)

I have a student loan payment due the XX/XX/XXXX of each month. Because I am now paid at the end of the month ( instead of the XX/XX/XXXX as before ), I requested to have my payment due date changed to the first of the month.

I made a payment for the bill due on XX/XX/XXXX late on XX/XX/XXXX in the amount due of {$260.00}. Immediately following that, I requested through Navient 's online request system to have the due date changed. 

I received electronic notification via Navient 's automated message servicer that my loan billing groups had to be changed in order to change the due date and the next payment would be due XX/XX/XXXX. 

Shortly after that, I received notification that I had a new message. It was a generic informational pamphlet about allocation. When I logged in to view that message, my account showed that I had a monthly payment of {$260.00} past due with a due date of XX/XX/XXXX. I immediately contacted Navient through their online email system to inquire about this mistake. 

When the issue was not addressed, I called the Navient call center. The customer service representative was unable to read the changes to my account correctly. The rep told me that my payment from XX/XX/XXXX was still pending and the past due notice would go away when it posted. This was incorrect, as the XX/XX/XXXX payment had posted both in my bank statement and on my account information page on Navient 's website. 

As a result of the phone call, I received two automated emails saying my email requests would not be addressed since the customer service rep had addressed my issue. I sent additional emails via their website to inform them that the issue had not been addressed and to please explain why there was a payment due XX/XX/XXXX and why I had not been informed about it. 

Having not received a response from Navient, I logged into my account again to check on the status and my bill date had been changed back to the XX/XX/XXXX of the month. I was not notified in any way about that change. Additionally, it now shows my XX/XX/XXXX payment in the amount of {$160.00}. I paid the full amount of my bill {$260.00} which can be proven by my bank statement. 

I have received no notification as to the status of my account, why my loan due date was changed, why my account no longer reflects my payment of {$260.00}. I have sent multiple requests to Navient for assistance with this.
Consumer complaint received 2018-06-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Allied International Credit Corp., (US) (AZ)

Every day for the last several weeks between XXXX and XXXX I get a call from XXXX about a collection. 

I dont owe anything to anyone and after looking online this company has been known for harassment and has been sued multiple times for this behavior.
Consumer complaint received 2017-10-02
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/XXXX I I took out a 60 month auto loan with capital one for {$15000.00} which was paid off in full ( early ) on XX/XX/XXXX. I have been fighting with Capital One over the last few years because they removed this loan and all tradelines off my credit reports. When removed it was in positive statues as " positive report '' shows. 
Everytime I dispute either to capital one or CFPB Capital One comes up with another excuse. 

The last excuse given last week stated this was deleted and removed under the seven year delinquency rules because it was a bankruptcy loan. However, this is in accurate and another bogus excuse for several reasons : 1 ) When this was removed it was in positive status and reflected so in " positive report ''. A Also On XX/XX/XXXX XXXX the supervisor with capital one at XXXX XXXX XXXX confirmed on a recorded call with himself, myself, and XXXX from XXXX this account was in positive status throughout its life. 
2 ) This was not included in any bankruptcy and outlined in " bankruptcy details '' 3. Even if Capital One wanted to use this 7 year negative excuse the loan was paid off on XX/XX/XXXX making 7 years XX/XX/XXXX which means regardless it should still be reflecting on my account BUT since it was a positive paid in full and early loan it should reflect so until XX/XX/XXXX. 

If capital one does not make the necessary changes and report this loan to all 3 credit reporting agencies I will take further action upon their response with a private attorney.
Consumer complaint received 2020-06-23
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. (AR)

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 called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. 

XXXX XXXX  XXXX {$91.00} XXXX XXXX {$1600.00} USDEPT ED XXXX USDOE/XXXX {$5500.00}
Consumer complaint received 2019-03-08
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. (GA)

Hi I attached my credit report I have student loans and I never went to school. I have multiple collections and charge off. I don't have any bad debt. I drive for XXXX and I have XXXX kids and a wife. Life is hard for us. Please I don't know who could've done this to me. 
XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$630.00} Closed Hide closed ( 1 ) CREDIT CARDS XXXX  XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$2200.00} Closed XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$1400.00} Closed XXXX/XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$440.00} Closed XXXX XXXX   XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed OTHER LOANS XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed STUDENT LOANS DEPT OF ED / XXXX not mines Reported : XXXX XXXX, XXXX + {$4100.00} In good standing DEPT OF ED / XXXX not mines Reported : XXXX XXXX, XXXX + {$4000.00} In good standing Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX report. 

I have not applied for anything please remove these inquiries XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX/XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Travel/Entertainment ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX/XXXX Inquiry : XXXX XXXX, XXXX + Travel/Entertainment ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score. 

XXXX XXXX Reported : XXXX XXXX, XXXX + {$1900.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$860.00} Needs Attention
Consumer complaint received 2019-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Re Acct # XXXX {$680.00} On XX/XX/2018 and XX/XX/2018 I wrote and sent certified letters to PORTFOLIO RECOV ASSOC regarding Acct # XXXX. ( See Attached letters ). There are also 3 other accounts I sent letters so that PORTFOLIO RECOV ASSOC could validate the debt they claim I owe. All letters were sent certified on the same days, which were XX/XX/2018 and XX/XX/2018. I am sending a copy of those letters. The debt hasnt been validated. 
Acct # XXXX  {$3700.00} ( Case Was Dismissed, attaching court dismissal paperwork ) Superior Court XXXX, CA Case number XXXX Acct # XXXX   {$680.00} They have failed to satisfy my request and validate the debt they claim I owe them. This is drastically affecting my family ; my home and credit and I need help taking care of these matters. 
Thank you in advance XXXX XXXX
Consumer complaint received 2016-12-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NH)

Dear Consumer Financial Protection Bureau : I have decided to do my own form of bankruptcy program, since my spouse and I have accumulated a great deal of debt over the years paying for our children to finish college and graduate school, as well maintaining our home. Accordingly, we request a " Cease & Desist '' on any calls to our home or work while we work out our financial matters. We will be from this going forward until the end of XXXX XXXX will be eliminating no less than a dozen lines of credit, as well as the balances on our vehicles. This in turn will eliminate over {$4000.00} in monthly charges that we can eventually apply to any unpaid credit balances, either by settlement or reinstatement. We will place all our student loans in deferment until we can attack these debts one by one. Our second mortgage will be maintained as current, but our first mortgage must go into default until XXXX of XXXX. At that time, we can start making mortgage payments and wish to place the arrearages on the back end of our mortgage. We did have plans on selling our home by the end of XXXX. Our program will work better than any bankruptcy plan that a Chapter XXXX would procure. Therefore, since we know what we are attempting, we do not desire collection calls to our home or work. We will communicate in written form only, and we believe that our program will work out as planned. We do not desire any foreclosure action on our first mortgage as our intentions are pure to start making payments starting XXXX XXXX without exception. Therefore, we desire a complete " Cease & Desist '' on all calls immediately. Thank you for your consideration in this matter as we have submitted written request to our creditors, but the " Cease & Desist '' has been neglected.
Consumer complaint received 2022-08-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe (TX)

My name is XXXXXXXX XXXX and I am submitting this complaint on behalf of myself without any influence to a third party or agency. The debt collection company falls under the FDCPA and they have violated several federal laws.
Consumer complaint received 2021-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (OH)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2017-10-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: National Auto Lenders, Inc. (GA)

Company violated numerous times FBPA- OCGA 10-1-390, XXXX XXXX XXXX XXXX, no title or title bond for 12mos, 7 temporary license plates issued illegally, violated FDCPA by contacting the names as references that were submitted as an addendum to my application, threatening them and giving them personal information about my loan. Reported the car stolen in XXXX XXXX while the loan was active. Illegally repossessed the vehicle in XXXX XXXX. Had to get an attorney, State of Georgia Used Car Commission, XXXX County Auto Theft department involved to get the vehicle back. Filed a civil lawsuit in XXXX XXXX against the XXXX XXXX XXXX. In XXXX XXXX they illegally repossessed the vehicle again, by acting in " self help '' BEFORE judge had granted an order. Quickly sold the vehicle w/o state grace period or offer for redemption while going through court proceeding in XXXX XXXX. Posted repossession to credit with an additional XXXX more than what was owed ... did not subtract the actual sale cost received from the vehicle in XXXX. Company is fraudulent.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXXXXXX XXXX, Are reporting a business credit card from my previous employer on my credit report. I have stellar credit and I was listed as a authorize user on the account NOT THE OWNER. I no longer am employed with the company and I have been victimized by the credit reporting agencies. This is not right and I would like for the credit bureaus to be held accountable for their actions. This mistake has cost me the opportunity to purchase a new home for my family and It should be fix ASAP! 

I have sent certified mail to XXXX as well as all three bureaus, the only option I have if this doesn't work is to SUE all parties involved... Please Help!