davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-09
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)

The following accounts are more than 7 years old. They refuse to remove in the statutory time frames required by law. These items were included in a bankruptcy which is more than 7 years since since the discharge date. 

1. Account Name XXXX XXXX Account Number XXXX -- Discharged through Bankruptcy Chapter Status Updated XX/XX/XXXX 2. Account Name XXXX XXXX  XXXX XXXX Account Number XXXX Status Updated XX/XX/XXXX 3.  Account Name XXXX XXXX XXXX Account Number XXXX Status Updated XX/XX/XXXX 4. Account Name XXXX  Account Number XXXX Status was a account opened via fraud, company will not remove. 

5. Account Name XXXX XXXX Account Number XXXX Account Type Credit card Status Discharged through Bankruptcy Chapter XXXX/Never late. 
Status Updated XX/XX/XXXX 6. Account Name XXXX XXXX XXXX XXXX Account Number XXXX More than 7 years past the original date of XXXX 7. Account Name XXXX XXXX XXXX Account Number XXXX Status, more than 7 years after date of last debt issue, was included in bankruptcy
Consumer complaint received 2018-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

Please see paragraph 6, on this uploaded motion presented to Puerto Rico US Bankruptcy Court by XXXX XXXX XXXX ( XXXX ). 

Here XXXX indicates to the court that debtor ( me and my ex wife ) as of XXXX XXXX we were in arrears by 71 payments. Therefore if you subtract 71 months from XX/XX/XXXX, XXXX, it will bring the delinquency to XXXX XXXX. 

Experian is reporting this account as First becoming delinquent on XX/XX/XXXX. This is incorrect as it then would have been only 43 payments in arrears from XX/XX/XXXX, not 71. 

Therefore this account have been reported longer than 7 years from when it first became delinquent. XX/XX/XXXX and is in violation of 15 USC section 605 ( 4 ) Please order XXXX to remove this account from my Experian report and permanently STOP further reporting this account to any Credit bureau.

Respectfully XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I saw an article that President Donald Trump proclaimed this week as National Consumer Protection Week so I decided to check my credit report as suggested. I noticed I was marked previously past due or late by being 30 days past due on XX/XX/2017 and 60 days past due XX/XX/2017. I had thought I made my payments on time and didn't realize I was ever late.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

On XX/XX/2023, I sent Transunion a letter demanding they investigate an inaccurate account on my credit report. I never did business with the original creditor nor have any contractual obligation with the collection agency. After 30 days, they have neither investigated nor removed the account.
Consumer complaint received 2023-01-03
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 (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for Any purpose.
Consumer complaint received 2020-12-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (MA)

I've seen no changes for the accounts that I have filed last month, I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2019-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (UT)

Nationstar/MrCooper is reporting a late in 2016 that was not my fault. It was XXXX XXXX error. XXXX XXXX  has notified the mistake on their end. This late is not my fault and should be removed off of my credit file.
Consumer complaint received 2018-07-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

THIS IS A SEPARATE ISSUE FROM THE COMPLAINT SUBMITTED LAST WEEK THIS IS NOT A DUPLICATE COMPLAINT Chase is in violation of fair debt collections practices act, acting in bad faith regarding a real estate transaction and CA HBOR At issue is a short sale request that's been submitted and Chase is the 2nd lien holder. The 1st lien holder has approved the short sale and approved all ancillary fees. 2nd lien holders only negotiate the amount that is being paid to them NOT ancillary fees since that does not affect the net they are receiving. These ancillary fees are being paid by 1st lien and have nothing to do with Chase.

Knowing this Chase is illegally demanding the removal a fee approved by 1st lien holder {$5000.00} and a buyer paid fee of {$15000.00}. 

Chase went so far as to demand a contract addendum stating buyer will not pay the fee. This is a violation of a contract negotiation between buyer and 3rd party and is acting in bad faith. It is a violation of debt collections practices act on a fee that is being paid by buyer which has no debt to Chase. It's acting in bad faith because these fees are approved by the senior lien holder and are being paid by senior lien holder and buyer. These are fees they have agreed to and have no bearing on Chase 's input or what they would receive from short sale. 

This egregious, illegal and malicious tactics by Chase must cease and desist immediately. Chase may NOT in anyway interfere with fees that have been approved and are being paid by a buyer and has no effect on Chase 's net.
Consumer complaint received 2018-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX Total amount owed {$4300.00} XXXX XXXX XXXX   Total amount owed {$1500.00} XXXX XXXX Charge off account XXXX XXXX XXXX Charge off account. ( {$470.00} ) XXXX XXXX XXXX   Credit Card Charged off Account. ( {$4800.00} ) I was arrested XX/XX/2015 and served 5 years with half time for my criminal charge. The police have my property ( wallet & Jewelry to my room mate without my consent at the time of my XXXX. My room mate then used my cards and maxed them out, emptied the {$3700.00} in my bank account and used my leased vehicle without my consent or knowledge. There is no way for an XXXX  to cancel their cards, make payments or even contact the merchants. I knew he was doing these things and nothing I could do. I was only just released from XXXX  and the room mate " XXXX XXXX XXXX '' is deceased and so I can't even file a police report against him. All my mail was returned to sender, these credit card companies dint give me the statements to my cards si that I I can dispute what is and isn't my charges. I've started to pay off these debts knowing that part of charges are mine but I know I only had about 3,000 in debts. The XXXX XXXX I never signed up for and has told them from day one that it is fraud and I suspected XXXX without proof until after his death in which his mom found past due notices in his desk at his moms home with my name on it. 

What do I do? I'm willing to pay for part these charges but not the amounts they want especially since most charges are fraudulent. Please help, I'm trying to put my life back together.
Consumer complaint received 2019-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc. (WV)

Today, XX/XX/2019 I received a debt collection notice from XXXX XXXX XXXX. They claim I owe money from a company named Ginnys, which I had never heard from until today. When I tried to get information they just said called Ginnys. When I called Ginnys they said they couldnt tell me who placed the order, what was purchased, or where it was sent. Im very concerned that I have been fully sent to collections and have ruined my credit over an $ XXXX+ charge that is fraudulent. Im concerned that my social security number has been compromised.
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

XXXX fraudulently falsified documentation to put charges on a victim of identity fraud. I was the victim of identity fraud, and sometime around XXXX. 
A couple years ago ( XXXX ), I discovered that my identity was fraudulently used, and someone had opened and charged a credit card account under XXXX XXXX for an amount of {$550.00} ( actually, it appears someone had tried to open many accounts under various banks ). I contacted all the banks that the thief had attempted and/or succeeded to open accounts and warned the banks. When I contacted XXXX XXXX, they notified me that XXXX was the company that handled the account in dispute. Thus, I contacted XXXX, and I informed them of the situation. XXXX indicated that they needed my information so they may further send me the information for filing a complaint. Thus, I provided my address, and XXXX submitted the letter for me to file a complaint. Though, when I followed-up about the complaint weeks after, they indicated that they had my address all along. Though, if so, I would have received the charges ( which were done since XXXX ). Though, when I asked them what was my previous address or any information about the account, they would not provide, which should not be a secret since it supposedly was me. Thus, I suspect that the XXXX was as guilty in falsifying documents to align my actual information to theirs. 
A few months later ( XXXX XXXX, I submitted an official complaint of the stolen identity with the local police department ( XXXX, MD ). 
I notified the credit agencies, Experian, XXXX, and XXXX, and two of the three agencies record me at fault without any explanations : Experian  and XXXX. 
These companies did not perform their due diligence to ever confirm the identity fraud.
Consumer complaint received 2022-11-18
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (SC)

I have disputed this information with the Credit Bureaus and denied my rights to a fair investigation. The creditor is inaccurately reporting as a XXXX XXXX on my Consumer Report but has reported to the IRS as a Write-Off. According to US Code 15 US 1681 ( e ) ( b ) and US Code 15 US 1681 S-2 ( a ) ( 1 ) ( a ), my rights as a consumer have been violated. This creditor is reporting this Income monthly on my credit report negatively yet Ive never received any information of a XXXX c documents of the write off or a validation in my investigation. Also, according to my recent reports, the reported closed dates have been altered since the original reporting date. This is conflicting with the Statute of Limitation denying me my rights to a fair opportunity of receiving an accurate report. In addition to this, the account is inaccurately reported as Past Due. 
This account is linked to an address that is foreign to me yet they still are reporting negatively to my Consumer Report.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETWrong Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX FROM MY CREDIT REPORT.
Consumer complaint received 2019-08-22
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. (CA)

I disputed two entries on my TransUnion Credit Report on XX/XX/XXXX. Both were accounts that I did not recognize. TransUnion has indicated that they have completed the investigation and that they verified the accounts as valid but updated them althoughI don't see any updates. One account, a flexible spending account, was closed in XX/XX/XXXX, one month after it was opened. The other account, a credit card with XXXX XXXX in XXXX CT is still opened. Per TransUnion, they can not provide me with any information provided to them that verified the accounts to their satisfaction, but I am welcome to contact CFPB as well as contact the banks in question. I don't consider that an adequate response, but I guess I have to take the risk as well as the time of doing this investigation. 

I did request a credit freeze from all four credit agencies in XX/XX/XXXX and that is still in effect.
Consumer complaint received 2022-05-02
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (MI)

I received a letter from Nelnet stating my student loan was delinquent back in XX/XX/2021. I called Nelnet to figure out what was going on because Student Loans were on deferment due to the XXXX XXXX. I requested a forbearance for XXXX days while I wait for the paper work to place the loan back in deferment. While waiting on the paper work, my account was reported to the Credit Bureaus as delinquent XXXX days past due. I called Nelnet to see how this could happen when I requested the forbearance for XXXX days and was waiting on the Income Repayment Plan paper work. No explanation given and knocked my XXXX XXXX down XXXX points with each credit reporting agency. Talk to a rep at Nelnet to see why the Student Loans were excluded from deferment when it's not a private loan and why it was reporting delinquent during the Pandemic. Got nothing resolved with Nelnet. Disputed this delinquent status with all three bureaus and it still remains on my credit report as delinquent.
Consumer complaint received 2019-08-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NJ)

I called Ally Financial Inc today XX/XX/19 regarding a discrepancy with my outstanding balance of my car loan. I advised the balance reflected on my account was {$4700.00} short of what I paid. The representative was agreed with me after doing the math together and consulted his supervisor. He cam back on the phone and proceeded to tell me that because my payments were not made by their due date of the XXXX of the month that they were allowed to raise my interest rate to over 50 %. When I advised that his explanation doesn't sound legal he began to tell me he could no longer help me and disconnected the call.
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (FL)

To whom it may concern : I am writing this letter to dispute several inaccurate accounts reported to my credit. 
I would like assistance in investigating these items as soon as possible.Some accounts to my personal knowledge are paid in full or were reported to my credit under fraudulent activity. I am able to provide records and documentation to assist in repairing my credit at request. 

I appreciate your time and dedication to helping me with this matter. Please contact me for additional information or questions you may have. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

USAA responded to my complaint that i submitted here, They are refusing to do anything .They still cant explain why they chargeoff fraud my account .But they say no fraud occured, This makes no sense to me. Is there another person that i could go thru at this bank, The lady XXXX XXXX was very unknowledgeable of accounts and said that they just respond to comp ; laints .She could not answer the question, I think its probablhy internal fraud the way she could not give me any reasons,
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NV)

THE DISPUTED ACCOUNTS ARE BANKRUPTCIES SHOWING DISMISSED CHARGES THAT WERE NOT AUTHORIZED TO REPORT ON MY CREDIT FILE. I HAVE NO AFFLIATION TO THIS ACCOUNT. I HAVE BEEN IN DISTRESSED FIGHTING THIS AND I AM REQUESTING AN INVESTIGATION TO HAVE THIS ACCOUNT OFF MY CREDIT FILE PERMANENTLY.
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I have disputed this problem more than once with the credit bureaus and gave statements and presented documents and still no progress I have been paying this company for my car after it got repossessed they are reporting false information and they are not showing anything I've paid since the before the repossession they are also reporting I have 29 missed payment and that's not true if that was so they would have repossessed the car again the way the payment arrangements were set up by weekly and by weekly my dates went along with my pay dates I asked to split my payments in half and the amount we agreed on I paid for awhile and I called them and set up a different amount they agreed but they are still showing I'm not paying so I have negative marks
Consumer complaint received 2021-12-03
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: HSBC NORTH AMERICA HOLDINGS INC. (NY)

This is XXXX XXXX who is submitting this CFPB complaint myself. Regardless of the multiple written requests, the account listed below are still reporting on my credit report in violation of XXXX Law. HSBC BANK failed to comply with Fair Credit Reporting Act, 15 USC sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. REMOVE the account below : ( HSBC BANK XXXX )
Consumer complaint received 2018-07-30
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. (MS)

On XX/XX/2018 I mailed the credit bureau a letter requesting them to remove dismissed & unconfirmed bankruptcies from my credit report. I stated that I was outraged that their company continues to maintain multiple dismissed ( filed ) bankruptcies as confirmed on my credit report. These unconfirmed, unverified, and dismissed ( filed ) bankruptcies have stopped me from obtaining credit. I know for a fact these companies receive information on bankruptcy from a third party system known as a XXXX XXXX. The XXXX XXXX is inaccurate and incomplete since the XXXX XXXX does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it the credit bureaus policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from date of adjudication or date of order of relief. 
Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. They have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act they delete this from my credit report and send me an updated copy. 
Considering this does not require an investigation, I would appreciated an updated copy of my credit report showing no bankruptcy within two weeks from the date you receive this.
Consumer complaint received 2022-05-02
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: Millco Management (NC)

In accordance with the Fair Credit Reporting Act, AMERIFINANCIAL SOLUTIONS has violated my rights. 

15 U.S.C 1681 602 A. states that I have the rivht to privacy 15 U.S.C 1681 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-09-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (MD)

I am currently experiencing hardship and stated to Navient that I am being affected by COVID. I have been deferred for 12 months due to COVID. They are refusing to defer me although I am not working and have no income. I have spoken with a representative on XX/XX/16, and he did not explain the repayment options and he did send me a forbearance for a federal loan, although I made clear that I was calling about my private loan.