davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-04
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

Recently, I did an investigation on my report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my cred it reports and Under 15 U.S Code 6181e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report. 
As a consumer, I request to know the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification Description of reinvestigation procedure.
Consumer complaint received 2022-09-14
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. (NJ)

I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and correct : XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2019-06-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: National Recoveries, Inc. (MS)

National Recoveries is currently garnishing my wages. I did a forbearance and income repayment plan with XXXX.  But they still are garnishing my wages. I can't survive this every 2 weeks. I'm now also paying {$5.00} a month rehabilitation. Can something be done to stop this garnishment please.
Consumer complaint received 2020-08-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc. (PA)

AR RESOURCES INC XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XX/XX/2017 ( 2 yrs, 11 mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; reported by grantor Original Creditor Name XXXX XXXX {$2400.00} Highest Balance {$2400.00} I have no knowledge of this debt and affecting all 3 credit reports.
Consumer complaint received 2019-06-05
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. (GA)

I am a victim of identity theft and have file theft report. I was told that information contain in theft report would be blocked per my request. However, I requested to have information blocked and it is still showing on my credit file. I am reaching out to CFPB to assist me in resolving this matter amicably. I did open the accounts listed in this complaint. I have submitted documentation relieving me of this incident. Please assist me in anyway possible..Thanks
Consumer complaint received 2019-06-05
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. (HI)

There is no sufficient information to support credit bureaus claim. the payment here is sent in advance so i don't understand why this is past due. CFPB please check and fix this for me ... XXXX XXXXL XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (NC)

Per the terms listed on the Bridgecrest.com website, in order to submit a request for name change, please fax a copy of your marriage license and government issued ID showing both your former and married names. 

I complied and faxed the documents and was replied via USPS that I needed a notary to verify my legal drivers license. Bridegecrest continues to report my payments and account to the credit bureaus in my maiden name which is no longer valid. 

Again, calling to ask why my name hasnt been updated, the rep claimed that my marriage license hadnt been received. I have a digital fax service which verified the pages were received. I faxed additional copies of my drivers licenses and marriage license requesting a 2nd, 3rd, and 4th time via fax and forwarding the faxes to email and they remain ignored. 

I want my legal name reflected on my loan account and it to be updated as such.
Consumer complaint received 2018-07-04
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. (DE)

On XX/XX/18 I sent a dispute to the Experian at XXXX XXXX XXXX Tx XXXX and XXXX at XXXX XXXX XXXX XXXX, PA XXXX. They received them XX/XX/18 and XX/XX/18 respectively via certified mail. I sent the letter in regards to the inaccurate reporting on my consumer report. Today 's date is XX/XX/18 and it has been over 60 days since they have received my dispute about the collection accounts on my report and according to FCRA they only have 30 days to respond to disputes and both have yet to do so. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. After I contacted them in XX/XX/XXXX it was then being reported as current but fell behind, even though I told them it wasn't me and I never made a payment. The account is XXXX/XXXX in the amount of {$990.00} and needs to be deleted immediately for not following FCRA rules and regulations in a timely manner. This debt has never been verified, I have not received in the mail and EXPERIAN and XXXX aren't responding to my correspondence and this has already jeopardized me getting on my home loan and now is not allowing me to obtain my XXXX and continue my education.
Consumer complaint received 2015-11-04
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: EQUIFAX, INC. (VA)

When I finally locate the on-line credit dispute electronic form it will not honor the completed electronic dispute log-in page. This is a clearly intentional!! The CFPB should interrupt this website and advise customers to go directly to the paper process as the website is not functional & gt ; But you already know this!! if some consumers are successful then it is a lottery thing. 
What are you doing about the credit agencies deliberate switch and bait marketing scheme whereby they clutter their website with much marketing/sales propaganda what are you doing about the credit agencies deliberate switch and bait marketing scheme whereby they clutter their website with much marketing/sales propagandahave several try and confirm what I believe is be the case = independent evaluationXXXX XXXX cell XXXX XXXXXXXXXXXX
Consumer complaint received 2018-07-04
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. (DE)

On XX/XX/18 I sent a dispute to the XXXX at XXXX XXXX XXXX Tx XXXX and Transunion at XXXX XXXX XXXX XXXX, PA XXXX. They received them XX/XX/18 and XX/XX/18 respectively via certified mail. I sent the letter in regards to the inaccurate reporting on my consumer report. Today 's date is XX/XX/18 and it has been over 60 days since they have received my dispute about the collection accounts on my report and according to FCRA they only have 30 days to respond to disputes and both have yet to do so. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. After I contacted them in XX/XX/XXXX it was then being reported as current but fell behind, even though I told them it wasn't me and I never made a payment. The account is XXXX/XXXX in the amount of {$990.00} and needs to be deleted immediately for not following FCRA rules and regulations in a timely manner. This debt has never been verified, I have not received in the mail and XXXX and TRANSUNION aren't responding to my correspondence and this has already jeopardized me getting on my home loan and now is not allowing me to obtain my XXXX and continue my education.
Consumer complaint received 2018-07-04
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. (DE)

On XX/XX/18 I sent a dispute to the Experian at XXXX  XXXX XXXX Tx XXXX and XXXX at XXXX. XXXX XXXX. XXXX, PA XXXX. They received them XX/XX/18 and XX/XX/18 respectively via certified mail. I sent the letter in regards to the inaccurate reporting on my consumer report. Today 's date is XX/XX/18 and it has been over 60 days since they have received my dispute about the collection accounts on my report and according to FCRA they only have 30 days to respond to disputes and both have yet to do so. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. The account is XXXX   XXXX XXXX in the amount of {$4400.00} needs to be deleted immediately for not following FCRA rules and regulations in a timely manner. This debt has never been verified, I have not received in the mail and EXPERIAN and XXXX aren't responding to my correspondence and this has already jeopardized me getting on my home loan and now is not allowing me to obtain my XXXX and continue my education.
Consumer complaint received 2017-06-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

I had gotten behind on my mortage my dad was originally on the mortage note so i applied for a modification and had to do a quit claim deed on my father to get him off of the note so only my income would be used fro the modifcation because with my dads income it was to much to pay. We did the quit claim deed on my dad and them i was approved for the 3 month trial plam for the modification and this is my third month but i received a phone call asking why did i take my dad off of the note so now they are telling me before they can do a final modification i have to do another quit claim deed to put him back on and i can not pay the payment until that is done. I even spoke with my credit counselor and he said that makes no sense to him. the mortage company is saying that the papers have to be the way they were when i first closed on the house.
Consumer complaint received 2022-09-14
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. (NV)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Opened : XX/XX/2015 Balance : {$0.00}
Consumer complaint received 2018-07-04
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I had told them to kindly supply me with any signature or financial account that ties me with the account and if they couldnt they should cease and desist from reporting the negative report they are reporting to all the credit Bureaus and this is being going on for a year and they havent changed anything I have made numerous calls and written several letters
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

Hello, It appears that the credit bureau is still reporting account listed as XXXX ( XXXX XXXX XXXX ) as open. Account has a zero a balance and company agreed after refund and acknowledged errors to report as " paid as agreed '', or to remove all reporting of the item from all consumer credit reporting agencies. Thank you. XXXX XXXX
Consumer complaint received 2018-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC. (TX)

IN REGARDS TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX. I HAVE EXPLAINED COUNTLESS TIMES TO EQUIFAX THAT I HAVE NEVER DONE BUSINESS NOR HAVE I HAD A CARD WITH THEM THAT IVE I APPLIED FOR AND I AM A VICTIM OF IDENTITY THEFT AND FORGERY HAS BEEN COMMITTED. THEY CONTINUE TO KEEP REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT WITH OUT INVESTIGATIONING THE PROPER VALIDATION OR VERIFICATION OF THE ACCOUNT IN QUESTION. IF THIS KIND OF UNLAW BUSINESS PRATICESS THAT BREAKS THAT BREAKS THE FTC LAWS CONTINUES I WILL BE FORCED TO FILE SUIT FOR EACH INFRACTION BROKEN IF THE ACCOUNTS ARENT REMOVED AND THEY DO NOT CEASE AND DESIST AND REMOVE THE NEGATIVE ACCOUNT FROM REPORT. I WILL BE CONSULTING WITH A CONSUMER LAW ATTORNERY ON THIS MATTER.
Consumer complaint received 2018-05-03
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: EQUIFAX, INC. (MI)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I submitted certified letters to XXXX XXXX, XXXX and Equifax regarding XXXX. XXXX XXXX/XXXX for {$2300.00}, XXXX. XXXX XXXX for {$3000.00} this account is older than 7 years old from the first day of default, I've even sent them paperwork from XXXX the company that is handling the loans, the letter verified that my first date of delinquency was XX/XX/XXXX and they still refused to removed they accounts from credit bureaus. According XXXX XXXX letter to me that I submitted to each bureau " the federal law requires defaulted student loans be reported to the national consumer reporting agencies for seven years from the date of delinquency ''. Based on that information the account should be removed, yet they continue to send me verified/updated letters.
Consumer complaint received 2018-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/XXXX I revived an email. Telling me that i had did a great job with my card. They would refund my XXXX $ security deposit on my account. They also said apply on there app for a higher line of credit. I did and they turned me down. When I started8 mouths ago. My credit score was less than 600 way under now almost 700 so why did they turn me down
Consumer complaint received 2017-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (NC)

This company, which I hold no contract with nor have received services from, reported a collection account against my ssn in the amount of  XXXX . I filed a dispute requesting validation of the debt and account however they have not provided any proof. I am not obligated to this alleged debt because I have no signed or verbal contract with this business nor have I received any services from them.
Consumer complaint received 2016-08-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (CA)

US Bank has frozen my accounts ( XXXX ), beginning from on or about XXXX XXXX, 2016 to present without providing any cause of their action. I have received no written documents or phone calls from US Bank representatives giving reasons for freezing my accounts. I have visited branches I do business with on several occasions in the XXXX area and they are not able to give me any justification or even the responsible party that locked me out of my accounts. To date there has been no attempt on the part of US Bank to contact me regarding why these accounts have been frozen. I am a single XXXX XXXX veteran with XXXX who face extreme financial problems if this matter continues further with US Bank.
Consumer complaint received 2018-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (OK)

NAVIENT/XXXX  are reporting a fraudulent balance. A pass due balance of {$13000.00} and a write-off of {$23000.00}. 

This account was transferred to XXXX more than seven months ago, according to information being reported in the report of XXXX. 

It is requested the credit report of XXXX XXXX reflect a closed status and XXXX balance. 

NAVIENT/XXXX does not currently have an interest in this account, has failed to produce any proof of interest in this account, never obtained any collection agreement - nor collected a single dime, and, has subsequently relinquished the account to XXXX. 

Additionally, the account appear poised to drop off all credit reports about XX/XX/2018. 

This will be the third attempt to get this information corrected through CFPB. The previous two file numbers are : XXXX and, XXXX.
Consumer complaint received 2016-04-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Conn's, Inc. (TX)

XXXX 2015 I paid my account through a credit card in good faith. A year later I get a phone call from Conn 's Home Plus customer service telling me that I have a past due balance. I was puzzled and explained to the agent that I had paid off account. They stated they had no record of me calling to get a pay off balance. That is correct. When I logged onto my account online it gave a pay off balance and that 's what I gave the other creditor. Nowhere online did it state I needed to call to get a pay off balance.
Consumer complaint received 2015-08-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (GA)

Received a credit report from apartments i was applying too. Showed XXXX delinquent accounts which XXXX of them was paid in full, then the other by the same bank, was never opened. I tried calling and all i get is a automated system. Then if i get a person its XXXX, and she transfers me back to automated system
Consumer complaint received 2018-07-04
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. (TX)

The information the collection company is reporting is a violation of the fair credit reporting act. This information is showing on all 3 credit bureaus and needs to be deleted from all. They have re aged the debt and I want it removed from my report. I have the original delinquency date and it is aged by more than 2 years in their favor. Original delinquency date was Date of First Delinquency XX/XX/XXXX and they are stating the date of XX/XX/XXXX. It is illegal to age the date of the debt to when they obtained it. This should be removed from my credit reports immediately. I have tried to fight it with Experian and they say it is not a violation. But it is. According to the Fair Credit Reporting Act. No matter when XXXX XXXX purchased this debt, the date of reporting should not have changed. The first DOFD has been reported by XXXX XXXX as Date of First Delinquency XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXX. 
XXXX XXXX  closed this account on XX/XX/XXXX and charged it off. 

XXXX XXXX XXXX ( CLOSED ) Summary Account Number XXXX XXXX Reported Balance {$0.00} Account Status CHARGE_OFF Debt-to-Credit Ratio N/A Payment History Year XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CO CO XX/XX/XXXX CO CO CO CO CO CO CO CO CO CO CO CO XX/XX/XXXX CO CO CO CO CO CO CO CO XX/XX/XXXX 30 60 90 120 Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due 150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account CO Charge-Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available Account Details View detailed information about this account. Contact the creditor or lender if you have any questions about it. 
High Credit Owner INDIVIDUAL Credit Limit Account Type INSTALLMENT Terms Frequency MONTHLY Term Duration 15 Balance {$0.00} Date Opened XX/XX/XXXX Activity Designator TRANSFER_OR_SOLD Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount {$1000.00} Balloon Payment Date Balloon Payment Amount Loan Type Unsecured Date Closed Date of First Delinquency XX/XX/XXXX Comments Charged off account Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX ( CLOSED ) Summary Account Number XXXX XXXX Reported Balance {$0.00} XXXX XXXX  is reporting : XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX