davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-01
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)

I submitted a dispute to Experian, XXXX, and XXXX  on XX/XX/2020 to notify them of the accommodations provided by the newly passed HEROES Act in relation to my credit report. 

After the allotted time, there was no adjustment made to my credit report from either agency with regards to the properly submitted documentation and in honorable of the Moratorium. 

After contacting each bureau I was instructed to contact CFPB and file my complaint. 

HEROES ACT Section 110401 is a Moratorium on negative credit reporting during COVID-19.
Consumer complaint received 2021-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

XXXX-Capital One Bank sent an email stating it was restricting my joint account due to unusual activity. My name is XXXX XXXX XXXX is the other account owner. The reference number is XXXX. I received my XXXX back pay on XX/XX/XXXX into my checking account to the tune of XXXX. I fought in XXXX in XXXX and the aforementioned payment was the first payment ever received. I am XXXX years old on my last years of life and XXXX has been by my side helping me to fight VA for years. Once the money came in, I proposed and purchased her an engagement ring. I paid her bills XXXX I purchased a truck. First ever. Then XXXX XXXX shut me down leaving her personal account in ruins also. I want to close my account and have capital one explain to both of us why they XXXX  profiled us and did this to our account. I have notified the veterans administration about this.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

I FILLED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT IT HAS BEEN WELL OVER 30 DAYS AND THEY ARENT HOLDING UP THE LAW, THEY ARE NOT RESPONDING TO ME. I HAVENT RECEIVED ANY RESULTS OF THE INVESTIGATION.
Consumer complaint received 2020-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NC)

XX/XX/2019. Well Fargo agent contact me about my account being late. They offered to settled the debt and they offered to allow it to be 3 equal payments and would close the account. They account is being misrepresented on my credit report across all three credit bureaus. I have contacted them and they keep transferring me different departments with no resolve to the matter. This is preventing my credit score to improve to get a VA Loan.
Consumer complaint received 2017-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONS DIRECT MORTGAGE, LLC (CA)

i have already took action for this and requested the creditor to remove the late payment for the month of XXXX 2017, i have send my payments online and onetime, it has to be a banking error for which has reflected my credit bureaus. therefore i need your help in order to have this inaccurate delinquency to be removed from my creditor and the all three major bureaus thank you for your cooperation.
Consumer complaint received 2020-10-15
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. (SC)

Hey, hope life treating you wonderfully. Anyways XXXX, TransUnion and XXXX  deleted some files off my credit report but about time my credit report updated. They put some items back on my credit report as a new item which hurt my credit. I just want everything in red reviewed and deleted off my credit report by next week. Thank you
Consumer complaint received 2022-11-18
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. (MO)

I am submitting this complaint with regards to erroneous accounts I found on my Credit Report. The XXXX, XXXX, and TransUnion Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$520.00} XXXX  XXXX XXXX Balance Owed : {$2500.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016
Consumer complaint received 2019-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

I have attempted to send letter to all three credit bureaus ( XXXX, experian, XXXX ) with no solution. These letters was first sent to the bureaus on XX/XX/2019 with only a response from XXXX that I should contact the creditors, which I did at the same time as the bureaus. XXXX and Experian provided no response and no deletion for the unauthorized inquiries. On XX/XX/2019 certified letter was mailed out again to the bureaus ( experian, XXXX and experian ) for the same inquiries and I also mailed letters to each creditor that sent those unauthorized inquires.
Consumer complaint received 2020-10-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (IN)

Bank - Huntington When the pandemic first began, we placed our loan into forbearance as we were quickly losing work and, subsequently, income. On several occasions, Huntington representatives confirmed that payments missed during forbearance would either be owed in full at the end of the forbearance period OR payments would be added to the " back '' of the loan, thus changing the loan maturity date. Huntington is now forcing us to either pay the loan or accept a subordination loan, claiming that despite misinforming us throughout the entire forbearance process, our loan is an FHA loan and the modification we were initially told would happen was offered in error. We requested that a supervisor pull and review calls. We were told that this was, in fact, done and that we were misled and misinformed. 

Currently, our loan is showing as 6 months behind. We would have never entered into forbearance had we known we would be forced to accept an additional loan. We are now attempting to refinance our current mortgage and are unable to do anything as our loan is not current. At this time, we have been advised that we will likely have trouble obtaining a refinance with both a mortgage and subordination loan.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX Texas XXXX Transunion XXXX. XXXX  XXXX XXXX, PA XXXX Dear Transunion Credit Services, This letter is a formal request to remove unauthorized inquiries from my credit report. I did not authorized. 

XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX  Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX Accept Inquiry from XX/XX/2020 XXXX/XXXX  Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX XXXX  Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address.

Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 

Sincerely, XXXX XXXX
Consumer complaint received 2020-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/XXXX, {$570.00} was taken out of my account by fraud. On XX/XX/XXXX, I filed a claim with Bank of America, only to be denied TWICE because a couple of the transactions were done by pin, totaling {$70.00}. That left the other {$500.00} unaccounted for, but nonetheless they urged me to re-open the case, knowing that they would keep denying it for the same reason. I lost my card twice during that time period, so those cards are still out there somewhere floating around. Also, if you actually pay attention to the charges, it's impossible that I did all of that in one day. There are charges on the same day that include a restaurant in FLORIDA, and a liquor store in VIRGINIA. When pointing this out to them, they agreed that it didn't make sense, but still didn't hesitate to deny my claim. They keep telling me to re-open the claim, but that's completely pointless considering I don't have any new information for them, and they will keep denying it in regardless of what I say because of the pin transaction. This has been going on since XXXX, and it has cause so many financial issues for me because of not being able to pay my bills on time, resulting in late fees. In hindsight I've lost way more than {$570.00} because of this long process.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

This complaint is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX/XXXX/XXXX  XXXX, DEPT OF EDUCATION/XXXX  XXXX, DEPT OF EDUCATION/XXXX  XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2018-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NJ)

The credit card issuer invited me number of times to apply for a credit card.and every Time i apply i get denied.my credit score is good and i do get accepted through other Credit cards that do approve my application with out no problem.i would like to have them Investigated to be certain that there is no discrimination issues involving my efforts Applying for this type of credit card.so that it will be no complaints in the future.Thank you sincerely.XXXX XXXX.
Consumer complaint received 2021-08-11
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: EQUIFAX, INC. (OH)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2021-08-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc. (FL)

I financed a vehicle with GM Financial. I ended up refinancing with another company, however GM Financial never provided a final statement, they just marked my account closed. It makes me wonder if any overpayment was kept by GM Financial and not sent to me. I thought that a final statement is required to show a {$0.00} balance.
Consumer complaint received 2020-06-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

This company Portfolio Recovery Associates is still reporting these 4 accounts to XXXX, XXXX  and XXXX, I have asked them many times that I want them to provide me with the original contracts for these accounts as proof that these debts belong to me because I am not going to pay them a single dime until I see the original contract. If this company keeps giving me problems then I will take them to court and file a small claims suit against them for reporting false information which is also considered defamation of character. It wouldnt cost me much to do so, on the other hand they will have to provide the original contracts to the court. If they want we can do it that way. Delete the 4 accounts from my credit reports immediately. I know that the FCRA states that a creditor must provide a consumer with the original contract when it is requested, if that cant be provided then the accounts must be deleted from the credit report.
Consumer complaint received 2022-11-18
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. (MO)

I have been submitting ten CFPB complaints and six dispute letters requesting that you remove the fraudulent accounts and information that are being reported on my Credit File! You have been stubborn to not remove the disputed items completely from my Credit File and yet you have been claiming that the disputed items have been verified. Under the Fair Credit Reporting Act section 605b, you ( The Credit Reporting Agencies ) are required to remove any accounts and information that resulted due to identity theft. Despite the numerous attempts in having the disputed items removed, you have been persistent with your claims that these items are verifed, and yet you have not sent me any copies of proof of verification that resulted from your supposedly investigation. Once again, I am requesting that you remove the following items immediately : 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 Balance : {$390.00}. I have informed my legal council about my situation and they are willing to help me resolve this matter in " legal ways '' possible. If it is not too much to ask for, please remove the disputed items immediately.
Consumer complaint received 2020-10-21
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: Experian Information Solutions Inc. (FL)

Hello, Ive a=contacted experian on multiple time about the inaccurate of my credit report. 
I even screen shot the information on my credit report and compared it to the other credit bureau and ofcourse there are multiple inaccuracy and voilatiopns.
Consumer complaint received 2020-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NM)

On XX/XX/2020, my student loan servicer notified me that payments for my loan were temporarily suspended due to legislative action effective XX/XX/2020. The servicer collected payment from my bank account on XX/XX/2020 after the effective date of payment submission but, before they notified me that payment was not required. On XX/XX/2020, I requested by electronic message on their website that they refund the {$450.00} payment that they collected on XX/XX/2020. They did not respond to this request. I made a second request for refund on XX/XX/2020 by written letter. The servicer responded on XX/XX/2020 with a form letter denying my " credit dispute. '' I did not make a credit dispute but, I assume the servicer 's intent was to deny the refund that I requested in my letter of XX/XX/XXXX.
Consumer complaint received 2020-05-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX {$11000.00} 52 % paid off 8 late payments Hover over labels for more details Account number XXXX Account status Open Date opened XXXX XXXX, XXXX Account type Auto Loan Balance Loan Amount {$11000.00} {$23000.00} Payment Info Status Current, was past due 60 days Updated on XXXX XXXX, XXXX Past due amount - Original loan amount {$23000.00} Monthly payment {$0.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more You've made 87 % of your payments on time for this account. 
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 On Time 30 Days Late 60 Days Late Data Unavailable Additional info Responsibility Joint Account Terms 86 Months Company sold - Original creditor - Comments Student loan - payment deferred Your statements XXXX Contact XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX {$24000.00} 3 % paid off XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX. XXXX 
{$1100.00} 0 % paid off Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Balance Loan Amount {$1100.00} {$1100.00} Payment Info Original loan amount {$1100.00} Balance {$1100.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, MAXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX Original creditor : XXXX {$530.00} 0 % paid off print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute
Consumer complaint received 2019-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

Please reverse the late payments reported on the following accounts : XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I Talk to XXXX from Trans Union on XX/XX/XXXX XXXX # XXXX And let her know that its some Fraudulent and Authorize Inquiries on my credit report she look into it I gave her all the Inquiries that i did not Authorize So she told me that Inquiries will be remove from Credit Report ( But all the Inquiries are still on my credit report ) I am very Mad that all of the Misleading Information are steel on Credit Report. 




Please Remove Fraudulent and Authorize Misleading Information from my Credit Report Inquiry Details XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX