davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Klarna AB (UNITED STATES MINOR OUTLYING ISLANDS)

I attached the documents and emails with dates I purchased an order and did not receive it and it was resent but there was an exchange needed and they did not credit it and the merchandise has not been exchanged and the original merchandise is with the vendor XXXX. I have tried to call but they disconnect and no one seems to know what is going on and I have received no help I sent a letter to the XXXX  and still no response at this point I want my money back
Consumer complaint received 2022-01-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-05
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. (AZ)

I submitted a dispute with XXXX XXXX XXXX XXXX, and with all three credit bureaus for inaccurate and unverifiable information with a charge off the is being reported on my credit report. There is a charge showing with XXXX  in the amount of {$4.00}, Equifax- {$8300.00}, and Experian is reporting {$4000.00}. There are multiple inaccurate with this report. 

1. The balances dont match. 
2. the late payments dont match 3.This account has not been verified by the credit burueas I asked them to send me a copy of the sell and what they for the vehicle, and a proof of debt them and XXXX XXXX failed to provide me with any of this information.
Consumer complaint received 2019-06-08
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: Clarity Services (IL)

MY DAD DIED XX/XX/XXXX XXXX XXXX XXXX AND MOTHER DIED XX/XX/XXXX, XXXX XXXX XXXX. PLEASE UPDATE RECORDS TO REFLECT DECEASED.
Consumer complaint received 2022-04-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX and I am submitting this complaint on my own behalf, without any influences. Please see the attached documents and Identification as it contains my full request to a fair resolution.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I submitted a dispute with XXXX XXXX XXXX XXXX, and with all three credit bureaus for inaccurate and unverifiable information with a charge off the is being reported on my credit report. There is a charge showing with Transunion in the amount of {$4.00}, XXXX {$8300.00}, and XXXX is reporting {$4000.00}. There are multiple inaccurate with this report. 

1. The balances dont match.

2. the late payments dont match 3.This account has not been verified by the credit burueas I asked them to send me a copy of the sell and what they for the vehicle, and a proof of debt them and XXXX XXXX failed to provide me with any of this information.
Consumer complaint received 2022-01-10
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 — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Pursuant to my rights under federal debt collection laws, and under provisions of Public Laws 95-109 and 99-361, also known as the Fair Debt Collection Practices Act, XXXX is reporting UNVALIDATED information, which is an obvious violation pursuant to 15 USC 1681a ( fair and accurate credit reporting is essential in maintaining the efficiency of the banking system and consumer confidence ). Their unfair credit reporting methods has caused irreversible harm in my ability to obtain credit by dramatically reducing my credit score and continuing to list the Portfolio Recovery Associates collection account on my profile. I've written XXXX on XX/XX/2021, to dispute their reporting of this alleged debt and to start an investigation, but they only updated the Portfolio account as " disputed '' and provided no explanation or competent VALIDATION evidence ( pursuant to 15 USC 1692g ) within the required 30 days that'll justify the collection account being listed on my credit profile. The alleged debt was originally removed from my credit report on XX/XX/2021, by XXXX and then relisted on my credit report XX/XX/2021, as a new account. I sent a letter to Portfolio Recovery Associates on XX/XX/2021, requesting information and documents to show VALIDATION of the alleged debt but they didn't provide the requested proof within the required 30 days, making their claim nullified and void. I also requested XXXX remove an inquiry from XXXX XXXX XXXX which is a fraudulent inquiry not requested by me. They haven't responded or provided a status update regarding this request yet.
Consumer complaint received 2019-08-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (WY)

I deposited a check from another bank that was written to me on Monday, XX/XX/XXXX. My cousin wrote me the check in order to assist me in time sensitive bills that are accruing interest daily. A hold was placed on the entire check, prohibiting me to access the funds, and I contacted XXXX XXXX branch in XXXX, WY multiple times yesterday for assistance but continue to be told there is nothing they can do, or it is out of their hands and refuse to provide me information on who to contact to get more information. Meanwhile, the bills I am needing the funds from the check for, are accruing interest at a rate I will not be able to pay off when the money is available for me to use.
Consumer complaint received 2021-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My federally protected consumer rights were violated because Transunion furnished false information without my written consent. I never gave Transunion any written instructions to furnish anything on my consumer 's report. No consent is Identity Theft and infringement on my Consumers right to privacy. Based off Transunion violating my Consumer rights, I am unable to apply for any Consumer credit for my personal as well as my business. These violations are hindering me from purchasing a mortgage and vehicle for my family. Furthermore, I am humiliated as well as dealing with XXXX and stress because of these results.
Consumer complaint received 2019-06-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

This company Navient sets unrealistic payments. They want me to pay nearly 400.00 a month and the only other option they will give me is to be put on deferment or forbearance. It is a scam. They do this to rack up over 90.00 a month in interest on my account. I offered to work with them to give them a payment I can afford so that I am making some kind of payment, but they refuse. They are so eager to put me on a deferment to accrue the interest. Its also worth noting that they bought out my original student loan. I also read online about a forgiveness for those who went to XXXX XXXX because of their shady practices and I couldnt get anyone to even talk to me about it. XXXX XXXX cancelled my program and I was not able to get a education but Im left with the bill. And now I cant even pay the bill because Navient cares only about racking up interest at 90+ dollars a month.
Consumer complaint received 2022-10-10
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (CA)

My name is XXXX XXXX XXXX. 
My address is XXXX XXXX XXXX. XXXX XXXX. XXXX. CA. XXXX READ BELOW This FED LOAN account # XXXX is the same as AES XXXX already paid in full. 
This is the same student loan that I have had with AES. 
See attached AES letter copy of paid in full XXXX Please remove the FED LOAN account because I do not owe anything Report to the credit bureaus that the account is close paid in full. 
Reply to this letter to : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX. CA. XXXX Thanks XXXX, XXXX  XXXX/XXXX/2022
Consumer complaint received 2020-09-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response.
Consumer complaint received 2020-09-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Adjustment Bureau, Inc. (IA)

I sent a USPS certified mail/return receipt letter to Financial Adjustment Bureau XXXX XXXX XXXX, XXXX, IA XXXX, requesting a debt validation letter and to discuss the issue of the interest they were applying to this medical debt. 

Their response to this validation request is enclosed. I am not sure if their letter is sufficient enough to be construed as a debt validation letter. They included a convoluted statement from XXXX XXXX XXXX, but nothing that states XXXX XXXX XXXX acquired the services of Financial Adjustment Bureau to collect the debt.

They stated " Under Iowa law, if interest is not specified in writing, it is allowed at a 5 % annual percentage rate at commences six months from date of charge. '' I went online under Iowa Interest rates laws and saw this, but it did not indicate this applies to medical debts. One website states " Whether a loan is to buy a car, a house, or just to pay the rent or other household expenses, '' but medical debts are not " loans. '' Also, in their letter they did not state what part of Iowa law they are referring to, such as chapter and sections, or any proof under Iowa law that this applies to collecting on old medical debt.
Consumer complaint received 2022-04-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

In XXXX i learned that my husband had opened account.check where my checks with my name from the social security. My name wasnt on his account so i find i went to the office to try to stop the check but it was to late at the time i had a trach i had my sister to speak with them but they didnt want to hear what was going on i contacted the lady that opened the account i found her card. they owe me from checks that wasnt in his name the fees that they took while my money was in his account the checks should have been stopped once they they it the account and his name wasnt on none
Consumer complaint received 2022-01-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-05
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports, I never received any notifications in regards to the investigation results. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response.
Consumer complaint received 2017-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was not granted any minimum payment forebearance waiver.  I did not make my XX/XX/XXXX minimum payment.  That is the help I needed in XX/XX/XXXX related to Hurricane Irma!  The help provided in the Bank of America response is of no help.  I will be filing complaints with the NAACP and ACLU.  I'm not satisfied at all.
Consumer complaint received 2021-05-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (SD)

We have our mortgage with CMG Financial. They had applied a payment incorrectly that they received XX/XX/XXXX. I made a payment in XXXX while waiting for them to fix the original payment and they made a dual in XXXX. We filed for a forbearance due to COVID and not being able to work for 2 weeks and with our payment being pulled twice really put us in a difficult financial situation. The forbearance was filed XX/XX/XXXX. I contacted them XX/XX/XXXX and discussed a deferment. XX/XX/XXXX I called to check on the deferment and was told there is no record of me applying. I requested to apply for the deferment again and was told it could take up to 30 days to process. I did not hear from them or receive any documents so I called back in XX/XX/XXXX. Again I was told there was no record of my applying for a deferment I asked of there was a paper application or something I could do differently to ensure the deferment application is filed and was told no that they would ensure it gets taken care of. I still did not hear anything from CMG I called on XX/XX/XXXX and spoke to a manager after being told they do not have anything on record of me ever calling or applying for a deferment. They discussed foreclosure or shortage and asked if I could pay the entire XXXX this day. When the manager got on they stated that there was a mistake and she could see my application and I was approved for the deferment and I would be receiving documents in the mail. I called back in today to make XXXX 's mortgage payment because it won't let me online and again was informed there was no record of an application for a deferment. I contacted a housing counselor who called in with me and after speaking with the housing counselor the representative from CMG with employee ID number of XXXX stated he needed to document some things and he would be right back with us and put her on hold for 45 minutes and never came back on the line. They can not apply the payments I have made correctly, their online banking won't let me make a payment online, and they refuse to file my deferment application. I honestly do not know what to do to make my mortgage payment and not have my home foreclosed on.
Consumer complaint received 2020-12-07
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

on XX/XX/XXXXmy mortgage debt was paid in full so i assume threre was the taxes that had to completed which i thought was not accurate plus they keep on adding fees and additional interest that i couldn't keep up with so i like for the threats and phone calls to stop and lets work out a deal on the remaining taxes that i really owe and not charge me the mortgage payment that you are asking for you got your money from the monthly mortgage stop being greedy and taking advantage of me because i'm XXXX. I will not recommend your company to anyone. hope to work this out peacefully. thank-you
Consumer complaint received 2020-12-08
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: Experian Information Solutions Inc. (NY)

On my credit report I have the following account reporting XXXX XXXX Account # XXXX. I have no idea what this may be. I have reached out to XXXX XXXX to which they never responded with any documentation showing what this is and more details on this account.
Consumer complaint received 2021-05-05
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: Experian Information Solutions Inc. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2019-08-14
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. (GA)

XXXX XXXX XXXX ( original creditor XXXX XXXX ) is reporting incorrectly to Experian a collection in the amount of {$3800.00}. ( Please see attached page from my credit report. ) XXXX XXXX is billing me for breaking a lease that was never in effect. My first lease was a 15 month lease and even per the detailed documentation attached, the new lease they allege I am responsible for would not have been in effect until XXXX. I provided a ( 60 ) day notice to vacate on XXXX and followed up in writing and again in an email on XXXX. I never received any response from either the written notice or email notification. This was common practice as the staff at XXXX XXXX rarely responded. My last two emails were to a Ms. XXXX on XXXX and XXXX. However, upon receiving documentation from the collection agency it shows that Ms. XXXX did reply to a few emails however, she did not type in the correct email addresses and consequently no communication was ever received by me. I did not have any signed lease on the dates they claim I had lived there. They have sent me to collections in error. I do not owe XXXX XXXX any sums of money and this incorrect reporting of a collection is harming my credit score. This line item needs to be removed from my credit report.